Last Updated On: July 9, 2026
These Terms of Service (the “Terms”) are entered into between Ryze Money Inc, a company incorporated in Nevada, and having its registered office at 732 S 6TH ST STE N, Las Vegas, NV, 89101, USA (“Ryze”, “our”, “we”, “us”), and any person who accesses or uses the Services (defined below) (“you” or “your”).
These Terms govern your access to, and use of the services, products, features, and related services made available by Ryze through its mobile application, website, and any other interfaces (collectively, the “Platform” and, together with the services made available through it, the “Services”). The Platform provides you Services which enable eligible users to access and use certain financial and non-financial products and services offered or facilitated by Ryze, including products that may be provided in partnership with banks, card issuers, processors, and other financial institutions (collectively, “Ryze Products”). Certain Ryze Products may be subject to additional terms and conditions, agreements, disclosures, consents, fee schedules, policies, or other product-specific documentation, including cardholder agreements, electronic fund transfer disclosures, credit-related disclosures, or partner terms, as applicable (each, a “Product Term” and collectively, the “Product Terms”). The Product Terms are incorporated into these Terms by reference and apply to your use of the applicable Ryze Product.
By accessing or using the Platform or Services, you represent and warrant that you are eligible to enter into a binding contract under applicable law and agree to be bound by these Terms. You agree to be bound by: (i) Ryze’s Privacy Policy and Privacy Notice; (ii) Ryze’s Acceptable Use Policy (“AUP”); (iii) the applicable Product Terms; (iv) any applicable cardholder agreement, deposit account agreement, debit card agreement, and any other agreements, disclosures, consents, notices, schedules, or terms provided or required by our banking partners in connection with the Services (collectively, “Bank Documents”); and (v) any additional policies, rules, disclosures, schedules, consents, guidelines, or Service or Product specific terms that Ryze may publish, provide, or otherwise make available from time to time ((i) to (iii) collectively, the “Additional Terms”). The Additional Terms and Bank Documents are incorporated into and form part of these Terms by reference.
The Services are intended solely for residents of the United States of America. You acknowledge and agree that Ryze and its partners may rely on the physical address and other information provided by you in connection with your application for, or use of, the Services. You further acknowledge that certain Ryze Products or features may not be available in all states, and you agree to promptly notify Ryze of any change to your physical address or other account information. These Terms constitute a legally binding agreement between you and Ryze. If you do not agree to these Terms, you may not access or use the Platform or Services.
Information displayed on the Platform regarding any Ryze Product, including descriptions, features, fees, limits, eligibility criteria, or availability, is provided for informational purposes and does not constitute an approval or binding offer by Ryze or any applicable partner to provide such Ryze Product. Your application to use any Ryze Product constitutes a request by you to obtain such Ryze Product, which Ryze and/or the applicable partner may approve, deny, or limit in accordance with applicable law, these Terms, and the applicable Product Terms. No regulated financial product or service shall be deemed issued, approved, or made available to you unless and until all applicable eligibility, underwriting, compliance, and partner requirements have been satisfied, and you have accepted the applicable Product Terms in accordance with applicable law.
In the event of any conflict or inconsistency between these Terms and any applicable Product Terms, the Product Terms shall prevail solely with respect to the relevant Ryze Product to which they apply, and these Terms shall continue to govern all other aspects of your access to and use of the Platform and Services.
PLEASE NOTE THAT THESE TERMS CONTAIN AN ARBITRATION AGREEMENT UNDER THE SECTION TITLED “DISPUTE RESOLUTION BY BINDING ARBITRATION,” WHICH REQUIRES YOU TO RESOLVE DISPUTES WITH US THROUGH FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS, AND NOT THROUGH JURY TRIALS OR CLASS ACTION PROCEEDINGS.
When we refer to the “Services”, we mean the Platform and all services, features, functionality, tools, content, and related services owned, operated, licensed, or otherwise made available by Ryze through the Platform from time to time, including services that enable you to access, apply for, manage, or use any Ryze Products.
The Services may include access to, or facilitation of certain financial products and services offered by Ryze and/or its partners, including the following Ryze Products:
as well as any additional products, features, or services that Ryze may introduce from time to time.
Please note that not all products and services are available at all times, and our products and services are constantly changing, so you might see features come and go as we continue to improve our experience and services for you.
We do not warrant that:
We reserve the right, in our sole discretion, to modify, suspend or discontinue the Platform and Services (in whole or in part), including any underlying technology or backend service providers. You agree that any such change (irrespective of the cause) may alter or affect the availability, performance, or user experience of the Platform, and that we shall have no liability to you for any such change.
By accessing or using our Services, you represent and warrant that (a) you have full legal capacity, right and authority to agree to and be bound by these Terms, (b) you are of the age of majority in the jurisdiction from which you are accessing our Services, (c) you are a resident of the United States of America, (d) you are not barred or otherwise legally prohibited from accessing or using the Services, and (e) you have neither been disqualified nor been previously suspended or removed by us or any of our affiliates from availing the Services.
Subject to your eligibility and compliance with these Terms, the Services enable you to create and maintain an Account on the Platform. Once your Account has been created and verified, you may use the Platform to access and use the Ryze Products made available to you, subject to these Terms and the applicable Product Terms.
In order to avail the Services, you will be required to create an account on the Platform (“Account”) by providing your name, address, date of birth, and other information that will allow us to identify you.
You agree to provide and maintain true, accurate, and complete information about yourself as prompted on the Platform.
Identity Verification and USA Patriot Act Notice. To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions and their program partners to obtain, verify, and record information that identifies each person who opens an account or applies for certain financial products or services. Accordingly, when you create an Account, apply for, access, or use any Ryze Product, we, our banking partner, and/or our service providers may ask for additional information, data, or documentation (collectively, “Additional Information”) that allows us to verify your identity. You agree to share such Additional Information promptly upon request. We may also verify this information using third-party service providers. Your access to certain Services or Ryze Products may be delayed, restricted, suspended, or denied if we are unable to verify your identity or complete applicable screening requirements.
In the event you were onboarded through Ryze’s webpage, you will be asked to download the mobile application to access the Services. You may be required to complete additional mobile application onboarding and authentication procedures, including:
You must keep your Account credentials confidential; you must not share them, and you are not allowed to permit anyone else to log into our Services as you. You are responsible for all activities that occur under your Account. If you believe that your Account is no longer secure, notify us immediately by emailing us at support@ryze.com.
Subject to Additional Terms and Product Terms, we reserve the right, in our sole discretion and from time to time, to charge such fees for the Services as we may determine (“Fees”).
We also reserve the right to modify the Fees, and such changes shall become effective in accordance with applicable law and any applicable Product Terms and Bank Documents. Certain Fees may be effective once they are published on the Platform.
We may, from time to time, also run certain promotional offers, in connection with the Ryze Products. Any such promotional benefit shall be subject to separate eligibility criteria, additional terms, and such other restrictions as may be notified by us or the relevant third-party provider from time to time. Unless expressly stated otherwise, promotional benefits: (a) are non-transferable; (b) are not redeemable for cash; (c) may not be combined with other offers; and (d) may be modified, suspended, withdrawn, or discontinued by us at any time without liability, to the extent permitted under applicable law.
Except as expressly provided in these Terms, the applicable Product Terms, or as required by applicable law, Fees paid by you are non-refundable. Nothing in these Terms limits any refund, reversal, chargeback, or error-resolution right that you may have under applicable law, or the applicable Product Terms.
We will process payment for the Fees through our arrangements with third-party payment processors. You may pay for Services by providing a valid credit or debit card or any other payment method accepted by us from time to time.
All Fees are exclusive of applicable taxes (including but not limited to any service tax, withholding tax or value added tax), and you shall be responsible for payment of all taxes in relation to the Services.
In connection with your access to and use of the Platform, Services, and any of the Ryze Products, you agree to:
You shall use the Platform only for its intended purposes in a bona fide manner. You shall not:
Ryze reserves the right to monitor the Platform and Services electronically. To the extent permitted by applicable law, we may access, use, transfer or disclose, at any time and without notice to you, any information (including Personal Information as defined in our Privacy Policy) related to your Account, use of Services, transactions and other information, as reasonably necessary to:
The Platform and Services may enable you to access, use, or otherwise interact with services, products, content, or functionality provided by third parties, including integrations made available through the Platform (“Third-Party Services”). Certain Ryze Products may also rely on or be facilitated by third-party providers, financial institutions, data aggregators, or service providers. Your use of certain Ryze Products may require you to link external financial accounts and authorize Ryze and its service providers to access and process information relating to such accounts. Additional terms applicable to such functionality are set out in the applicable Product Terms.
Your access to and use of any Third-Party Services may be subject to separate terms, conditions, privacy policies, and other agreements imposed by the applicable third party. Ryze does not control and is not responsible for any Third-Party Services, including their availability, accuracy, or security, unless expressly stated otherwise in the applicable Product Terms. Ryze may, at any time and without liability to you, modify, suspend, discontinue, or remove any Third-Party Services or integrations available through the Platform, with or without notice.
You further acknowledge and agree that we are not liable for any loss or damage which may be incurred by you as a result of the collection and/or disclosure of your information via such third-party links or as a result of any reliance placed by you on the completeness, accuracy, or existence of any advertising, products, services, or other materials on or available via such third-party links. Any transactions between you and a third party are solely between you and such third party unless expressly stated otherwise in the applicable Product Terms.
AI-Enabled Features. Certain features of the Platform or Services may use automated technologies, artificial intelligence, machine learning, algorithms, or similar tools (“AI-Enabled Features”) to provide insights, recommendations, support, fraud detection, risk assessment, account monitoring, or other functionality. AI-Enabled Features may rely on information provided by you, third-party data sources, linked account information, transaction history, credit information, and other available data. Any outputs, insights, recommendations, explanations, or summaries generated through AI-Enabled Features are provided for informational and convenience purposes only and may not be complete, accurate, current, or suitable for your specific circumstances. You should not rely solely on AI-Enabled Features to make financial, legal, credit, tax, or other important decisions. Ryze does not guarantee that any AI-Enabled Feature will produce any particular result, improve your financial standing, improve your credit score, identify all risks, prevent all fraud, or be free from errors, omissions, or inaccuracies. Where required by applicable law, decisions relating to eligibility, account access, credit reporting, adverse action, suspension, termination, or other material account actions will be made or reviewed in accordance with applicable legal and regulatory requirements.
WE AND OUR PARTNERS PROVIDE OUR SERVICES, OUR CONTENT, AND ALL OTHER CONTENT AND MATERIALS AVAILABLE THROUGH OUR SERVICES AND ON OUR PLATFORM ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO OUR SERVICES, OUR CONTENT, AND USER CONTENT INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OUR SERVICES, OUR CONTENT, USER CONTENT, OR OTHERWISE AVAILABLE THROUGH OUR SERVICES AND/OR PLATFORM WILL CREATE ANY WARRANTY REGARDING OUR SERVICES AND/OR PLATFORM THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU USE OUR SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN OUR CONTENT, OR USER CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES, AT YOUR OWN DISCRETION AND RISK. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR SERVICES, YOUR DEALINGS WITH ANY OTHER MEMBER OR THIRD PARTY, AND YOUR USE OF OUR CONTENT, USER CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE THAT MAY RESULT FROM THE USE OF OUR SERVICES OR THE USE OF ANY OF OUR CONTENT, USER CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES. NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
Any information made available through the Platform is provided for general informational purposes only and does not constitute legal, financial, credit, tax, investment, or other professional advice. No advice or information, whether oral or written, obtained from Ryze or through the Platform shall create any warranty not expressly stated in these Terms. Your use of the Platform, Services, and any Third-Party Services is at your sole discretion and risk.
All rights, title, and interest in and to the Platform and Services, including text, graphics, software, photographs and other images, videos, sounds, trademarks, and service marks, are owned by or otherwise licensed to us. Subject to your compliance with these Terms, Product Terms and Additional Terms, we grant you a non-exclusive, non-transferable, non-sublicensable, revocable, and limited license to use the Services in accordance with these Terms and applicable Product Terms and Additional Terms.
User Content. All content, materials, data, and other intellectual property that you publish, host, transmit, or otherwise make available on or through the Services (collectively, “User Content”) remain your intellectual property. Except to the extent necessary to provide the Services, we do not acquire any rights, title, or interest in the User Content. You grant Ryze a worldwide, non-exclusive, royalty-free license to use, host, store, reproduce, process, and transmit such User Content solely to the extent necessary to provide, maintain, support, improve, and secure the Platform, Services, and Ryze Products, and to comply with applicable law.
All names, whether or not appearing with the trademark symbol, are trademarks that belong to us unless otherwise stated by us. The use or misuse of these trademarks or any other materials, except as permitted in these Terms, is expressly prohibited and may be in violation of copyright law, trademark law, and any other applicable law.
Except as stated in these Terms, nothing in these Terms shall be construed as conferring any right in or license to our or any third party’s intellectual property rights.
You may, from time to time, submit suggestions and other feedback, including bug reports, relating to the Services and/or the Platform either of your own accord or at our request (“Feedback”). In the event Ryze uses, copies, discloses, publishes, displays, distributes, and/or exploits the Feedback (“Work”), you agree and acknowledge that Ryze shall own all intellectual property in relation to such Work and can do so without any attribution to you. To the extent that Ryze is not considered the owner of Work(s) under any applicable law, you hereby assign all rights, title, and interest in Work to Ryze. Such assignment in favor of Ryze is on a worldwide, enterprise-wide, perpetual, unconditional, fully paid-up and royalty-free basis.
To the extent the assignment is not effective under applicable law, you hereby grant a worldwide, enterprise-wide, perpetual, irrevocable, fully paid-up, royalty-free, unconditional unlimited right and license to use the intellectual property rights in the Work to Ryze and further to modify, improve, interpret, compile, recompile and further license the intellectual property rights provided in the Work for any purpose of Ryze and without identifying you or seeking your consent. Notwithstanding anything under applicable law, you agree and acknowledge that the intellectual property rights in Works assigned and/or licensed to Ryze pursuant to this Section shall not revert to you or lapse merely by efflux of time or Ryze’s failure to exercise its rights.
You represent and warrant that:
You agree to indemnify, defend, and hold Ryze, its affiliates and partners, and their officers, directors, agents, employees, partners, representatives and licensors harmless from and against any or all claims, demands, suits, judicial proceedings, losses, liabilities, damages and costs (including but not limited to any attorney’s fees, damages, liabilities and settlements) due to or arising out of:
To the extent permitted under applicable laws, in no event shall Ryze, its affiliates, officers, employees, directors, agents, contractors, partners, suppliers, or licensors be liable to you or any third party for any special, indirect, incidental, consequential, punitive, or exemplary (including without limitation lost business opportunities, loss of profits (including anticipated profits)) damages or any other pecuniary or non-pecuniary losses including but not limited to breach or loss of data, or goodwill, regardless of whether we have been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action or any other claim arising out of or relating to:
Unless restricted under applicable law, the maximum aggregate liability of Ryze for any and all direct claims arising out of or in connection with these Terms shall be limited to $100 (United States Dollars One Hundred only).
Notwithstanding anything to the contrary in this Section, nothing herein shall limit, waive, or otherwise affect any right or remedy available to you under applicable federal consumer financial laws.
We reserve the right to suspend and/or terminate your access or use of the Platform, Services, Account, or any Ryze Product, or any portion thereof, immediately and at any point, with or without notice, at our sole discretion, if:
You agree that any termination of your access to the Services under any provision of these Terms may be effected without prior notice and acknowledge and agree that we may immediately deactivate or suspend your Account. You agree that we will not be liable to you or any third party for any termination of your access to or use of the Services.
Please note that deletion or removal of the Platform or mobile application from your device will not result in the closure of your Account, termination of the Services, cancellation of any pending transactions, revocation of any authorizations previously provided by you, or deletion of information that Ryze, its banking partner, or their respective service providers are required or permitted to retain under applicable law, regulatory requirements, fraud-prevention, recordkeeping, dispute-resolution, or compliance obligations. You will remain responsible for all outstanding balances, fees, charges, repayment obligations, pending transactions, and other obligations incurred prior to or after deletion of the Platform, until your Account and the applicable Services are formally closed or terminated in accordance with these Terms, Bank Documents, and applicable Product Terms.
Upon termination or suspension,
If any Ryze Product involves a bank account, stored balance, or funds held for your benefit, the closure, transfer, or return of such funds will be handled in accordance with the applicable Product Terms, account agreement and applicable law.
Any provisions of these Terms that by their nature should survive suspension or termination shall survive, including provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, arbitration, and governing law.
By using our Services, you consent to receive disclosures, notices, statements, agreements, and other communications that Ryze, its banking partner, service providers, or other partners may be required or permitted to provide to you in writing electronically, in accordance with the Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”).
You agree that we may provide notices to you by electronic means, for example, by posting it on our website, emailing it to any email address that you have provided us, or sending it as a text message to any mobile phone number that you have provided us. We may also send notices to you by postal mail to any postal address that you have provided us. All notices by any of these methods will be deemed received by you no later than the earlier of when received or 24 (twenty-four) hours after it is sent, except for notice by postal mail, which will be deemed received by you no later than the earlier of when received or 3 (three) business days after it is mailed.
You consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including short message service (“SMS”) messages (including text messages), multimedia messaging service (“MMS”), other messaging services, calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialling systems or automatic texting systems. You may opt-out of receiving messages contacting us using the contact information provided in these Terms.
You may request a paper copy of any electronic communication or record provided to you by contacting Ryze at support@ryze.com. Unless otherwise disclosed in the applicable Product Terms or fee schedule, Ryze will provide paper copies of such communications or records without charge. Your request for a paper copy will not, by itself, constitute withdrawal of your consent to receive electronic communications.
You may withdraw your consent to receive electronic communications at any time by contacting Ryze at support@ryze.com. Your withdrawal of consent will become effective within a reasonable period after Ryze receives your request. Withdrawal of consent will not affect the enforceability of any electronic records, communications, disclosures, agreements, or notices provided to you before your withdrawal becomes effective. If you withdraw your consent to receive electronic communications, Ryze and/or its banking partner may be unable to continue providing certain Services or Ryze Products to you electronically. Accordingly, withdrawal of consent may result in suspension, limitation, or termination of your access to the Platform and/or certain Services.
Ryze may provide you with alerts, notifications, and other communications relating to the Services. Such communications may be delivered through the Platform, email, text message, push notification, or other communication channels permitted under applicable law and your communication preferences.
You acknowledge that alerts and notifications may be delayed, unavailable, or inaccurate due to factors outside Ryze’s control, including delays by third-party service providers. Ryze does not guarantee the delivery, accuracy, or timeliness of any alerts or communications.
Governing Law. Except as otherwise provided in the Section titled “Dispute Resolution by Binding Arbitration”, these Terms will be governed by the laws of the State of Nevada without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as set forth below, you and Ryze agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within Nevada.
Limitation Period. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or these Terms must be filed within 1 (one) year after such claim or cause of action arose or be forever barred.
Electronic Records. A printed version of these Terms and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
California Consumer Notice. Under California Civil Code Section 1789.3, users from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
Agreement to Arbitrate. This Dispute Resolution by Binding Arbitration Section is referred to in these Terms as the “Arbitration Agreement”. For purposes of this Arbitration Agreement, “Covered Parties” means Ryze and its current or former affiliates, subsidiaries, banking partners, service providers, licensors, agents, employees, officers, directors, predecessors, successors, and assigns.
This Arbitration Agreement applies to all disputes, claims, and controversies between you and any Covered Party arising out of or relating to these Terms, the Services, the Platform, any Ryze Product, or your relationship with any Covered Party, unless superseded by a product- or service-specific agreement containing a separate arbitration provision applicable to the same subject matter.
You agree that any and all disputes or claims that have arisen or may arise between you and us, whether arising out of or relating to these Terms (including any alleged breach), the Services, any advertising, any aspect of the relationship, or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you or we may assert individual claims in small claims court, if your claims qualify. This Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and we are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not by a judge or jury.
Prohibition of Class and Representative Actions and Non-Individualized Relief. YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIMS.
Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) Consumer Arbitration Rules that are in effect at the time the arbitration is initiated (the “AAA Rules”), as modified by the terms set forth in this Arbitration Agreement. For information on the AAA, please visit its website, https://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration page, https://www.adr.org/Consumer. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the terms of this Arbitration Agreement will control, unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement.
Unless we and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of each party’s ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing, as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.
Costs of Arbitration. Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. The arbitrator may award fees and costs, and we shall not be obligated to reimburse your portion of the Arbitration fees, except to the extent required under the AAA Rules or applicable law, if the arbitrator determines that a claim, proceeding, or defense was frivolous or brought for harassment, for an improper purpose, or in bad faith.
Arbitration Involving California Residents. If you reside in California, the arbitration provisions of these Terms are intended to be fully enforceable under the California Arbitration Act (Cal. Code Civ. Proc. §§ 1281 et seq.). Arbitration shall be conducted in accordance with the rules of the selected arbitration provider, consistent with California law governing arbitration agreements. Nothing in this agreement prevents you from seeking public injunctive relief in a court of competent jurisdiction as permitted under California law. However, any claim for monetary damages or individualized relief shall be subject to arbitration under this agreement.
Right to Opt Out of Arbitration. You may opt out of this Arbitration Agreement by sending written notice of your decision to opt out to Ryze at the email address specified in these Terms within 30 (thirty) days after you first accept these Terms. Your opt-out notice must include your full name, the email address associated with your Account, and a clear statement that you wish to opt out of this Arbitration Agreement. If you validly opt out of this Arbitration Agreement, all other provisions of these Terms will continue to apply. Opting out of this Arbitration Agreement will not affect any other arbitration agreements that you may currently have, or may enter into in the future, with Ryze or any Covered Party.
Severability. If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the Section titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, such term or provision shall be severed and the remainder of this Arbitration Agreement shall be given full force and effect. If a court or the arbitrator decides that any of the provisions of the Section above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable with respect to any claim or any particular remedy for a claim (such as a request for public injunctive relief), then that claim or particular remedy (and only that claim or particular remedy) shall be severed from any remaining claims and/or remedies and may be brought in a court of competent jurisdiction, but the Section titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” shall be enforced in arbitration on an individual basis as to all other claims or remedies to the fullest extent possible. You and we agree that a court will decide any claim or any particular remedy for a claim severed from any arbitration only after the completion of that arbitration.
Future Changes to Arbitration Agreement. Notwithstanding any provision in these Terms to the contrary, Ryze agrees that if it makes any change to this Arbitration Agreement in the future (other than a change to the registered address) while you are a user of the Services, you may reject any such change by sending Ryze written notice within 30 (thirty) days of the change to the email address specified in these Terms. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or the effective date of any subsequent changes to these Terms).
Survival. The provisions of these Terms that, by their nature, are intended to survive termination or expiration shall so survive, including without limitation those relating to intellectual property, liability, indemnification, payment obligations, disclaimers, governing law and dispute resolution, and any other provisions which, by their terms or intent, extend beyond the termination or expiration of these Terms.
Severability. If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the Section, in which case the entirety of the relevant provision will be deemed to be deleted).
Waiver. No failure or delay in exercising any right, power, or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege. Every right or remedy herein conferred upon or reserved by either party shall be cumulative and shall be in addition to every right and remedy existing under contract, law or equity, and the pursuit of any one right or remedy shall not be construed as an election.
Force Majeure. You agree that we shall not be liable for any breach of these Terms if such breach is caused by an event that is unforeseeable and beyond our reasonable control such as, depending on the circumstances, unavailability of any communication system, breach or virus in our system, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, unauthorized access to computer data and storage devices, computer crashes (“Force Majeure Event”). In such circumstances, we will be entitled to a reasonable extension of time to fulfill our obligations and shall take commercially reasonable methods to inform you of the Force Majeure Event and use all reasonable endeavors to mitigate the effects of the Force Majeure Event.
Notices. Any notice required or authorized to be given under these Terms shall be in writing and may be served (a) to Ryze by sending an email to legal@ryze.com marked for the attention of Legal; and (b) to you by sending an email to the email ID provided by the User while creating the Account. A notice shall be effective from the day it was received, and if not received during a business day, then from the recipient’s next business day.
Modifications. We reserve the right to modify these Terms, Product Terms and Additional Terms at any time. Except where a different notice period is required by applicable law, or the applicable Product Terms, such modifications will become effective when posted on the Platform or otherwise notified to you. We may also communicate such modifications to you if required by applicable law through one or more of the following methods: (a) a notification sent to the email address associated with your Account; (b) a notice displayed within the Platform; or (c) such other means as Ryze may determine from time to time. In the event you do not agree with any of the changes, please do not continue to access and/or use our Services and our Platform.
Regulatory Changes. You acknowledge and agree that we may have to modify the Services or the Platform to comply with applicable laws. As a result of this, you may be unable to access or use all or any part of the Services or the Platform. We shall not be liable to you for such inability to use the Services or the Platform pursuant to our compliance with applicable laws.
If you would like to exercise any of your rights or if you have any grievances or queries, you may contact us at support@ryze.com or by selecting the option “Contact Us” on the Platform.
We may also provide live chat, or other contact methods through the Services. Please note that email or electronic communications may not be secure; do not include sensitive information such as Social Security numbers or full financial account numbers in any correspondence.
Last Updated On: July 9, 2026
Pulse is a Ryze Product that enables eligible users (“you”, “your”) to access credit score and credit-related insights from credit reporting agencies from time to time (“Pulse Services”).
By enrolling in, accessing, or using Pulse, you agree to these Pulse Product Terms (“Pulse Terms”). These Pulse Terms supplement, and are incorporated into, the Terms. In the event of any conflict between these Pulse Terms and the Terms, these Pulse Terms shall prevail solely with respect to your use of the Pulse Services. Capitalized terms not defined in these Pulse Terms shall have the meanings assigned to them in the Terms.
Pulse Services enable you to access credit scores, credit-related information and monitoring services that Ryze may make available from time to time through the Platform.
To use the Pulse Services, you may be required to provide certain personal information requested by Ryze or its service providers from time to time. You agree that all information you provide in connection with the Pulse Services shall be true, accurate, current, and complete.
In order to avail the Pulse Services, you must:
Pulse Services may not be available in all jurisdictions or to all users, and Ryze reserves the right to limit, suspend, or discontinue access to Pulse at any time in its sole discretion and in accordance with applicable law.
By accepting these Pulse Terms and using the Pulse Services, you understand and agree that you are providing your written instructions, in accordance with the Fair Credit Reporting Act (“FCRA”) and other applicable laws, for Ryze, its partners and third party service providers to obtain, access, retrieve, use, and retain information about you, including consumer reports, credit scores, credit-related information, and other information from third parties, including consumer reporting agencies such as TransUnion, Equifax, and Experian.
You further authorize Ryze and its partners to obtain, access, or retrieve such information on a recurring basis for as long as you maintain an Account, use the Pulse Services, or otherwise use any applicable Ryze Products, subject to applicable law and the Privacy Policy.
Any inquiries made by Ryze or its service providers in connection with the Pulse Services will constitute soft pulls and will not negatively affect your credit score. Ryze will not initiate a hard inquiry on your credit file in connection with the Pulse Services without your separate, explicit written authorization.
Ryze may collect, use, process, store, and retain your credit-related information in accordance with these Pulse Terms, the Privacy Policy, and applicable law. This may include:
You have certain rights under the FCRA with respect to information held in your credit profile, including:
If you believe that any information in your credit report is inaccurate or incomplete, you may dispute it directly with the applicable consumer reporting agency or with the furnisher of the information.
For more information about your rights under the FCRA, visit www.consumerfinance.gov or www.ftc.gov.
The credit scores, credit-related information, and other information made available through the Pulse Services are provided solely for informational and educational purposes.
Ryze does not guarantee:
You agree and acknowledge that your credit score and credit profile may change over time based on numerous factors that are outside Ryze’s control.
Ryze does not undertake any obligation to actively monitor your credit score for fraud, identity theft, unauthorized activity, or any other changes or activity relating to your credit profile. The Pulse Services are designed to enable you to independently monitor your credit information.
The credit scores and credit-related information made available through the Pulse Services may be obtained from one or more consumer reporting agencies and may differ from the credit scores, reports, models, or other information used by creditors, financial institutions, or other third parties in evaluating your creditworthiness.
Ryze is not a consumer reporting agency, a credit repair organization, a lender, or a financial, investment, tax, or legal advisor. The Pulse Services are designed to provide you with access to your credit information for monitoring and informational purposes only. Through Pulse Services, Ryze does not provide credit repair services, will not dispute information in your credit file on your behalf, and will not make representations about improving your credit score.
Last Updated On: July 9, 2026
Booster is a Ryze Product that enables eligible users (“you” or “your”) to access and use a charge card linked to your Primary Linked Account (defined below) for the purpose of making eligible Purchases (defined below) and, where applicable, helping users build credit history. Where Autopay is enabled, your Outstanding Balance (defined below) is automatically repaid via ACH debit from your Primary Linked Account, with such debits initiated after eligible transactions settle rather than on a fixed billing-cycle basis. If Autopay is disabled, you must repay your Outstanding Balance manually by the applicable Due Date. Balances are not designed to be carried over and must be repaid as they become due.
By enrolling in or accessing Booster, you agree to these Booster Product Terms (“Booster Terms”). These Booster Terms supplement, and are incorporated into, the Terms. In the event of any conflict between these Booster Terms and the Terms, these Booster Terms shall prevail solely with respect to your use of the Booster Services. The Booster Services are currently designed to operate without requiring a security deposit or charging interest; however, certain fees or charges may apply as disclosed in these Booster Terms, or other applicable disclosures.
Additional terms, disclosures, and conditions imposed by Ryze’s banking partner, First National Bank of Lacon N.A., Member FDIC and/or applicable payment networks may apply to the Booster Services, including the cardholder agreement governing your Booster Card (the “Cardholder Agreement”).
The Cardholder Agreement contains the bank-provided disclosures applicable to your Booster Card, including applicable fees, payment due dates, and billing dispute procedures, and will be made available to you before account opening. In the event of any conflict between these Booster Terms and the Cardholder Agreement with respect to such bank-provided disclosures, the Cardholder Agreement shall prevail.
Certain features of Pulse will be available as part of the Booster Services at no additional cost.
Capitalized terms used in these Booster Terms shall have the meaning as ascribed below. Capitalized terms not defined in these Booster Terms shall have the meanings assigned to them in the Terms.
“ACH” means the Automated Clearing House Network;
“Authorization Hold” means a temporary reduction in your Available Balance for authorized transactions that have not yet settled or posted;
“Autopay” means the automatic repayment feature under which Ryze and/or its banking partner initiates ACH debits from your Primary Linked Account to repay your Outstanding Balance, as described in the section titled “Repayment Authorization, Autopay and ACH Payments”;
“Available Balance” means the amount currently available for eligible transactions using your Booster Card at a given time after taking into account your Credit Limit, outstanding balances, Pending Transactions, Authorization Holds, Bank Account information, transaction risk assessments, and other operational or risk-based considerations;
“Bank Account” means a checking account held at a U.S. chartered or FDIC-insured depository institution, which is at least six (6) months old;
“Billing Cycle” means the period covered by a Statement, beginning on the day after the closing date of the prior Statement and ending on the Statement closing date identified in the applicable Statement;
“Booster Card” means the charge card made available through the Booster Services and issued by Ryze’s banking partner in connection with the Booster Services;
“Business Day” means any day other than a Saturday, Sunday, or federal holiday on which commercial banks in the state of Illinois are generally open for business and the ACH network is operational;
“Credit Limit” means the maximum amount that may be extended or made available in connection with your Booster Card, as determined and modified from time to time by Ryze and/or its banking partner, including the automatic reduction that applies while Autopay is disabled;
“Due Date” means the date specified by Ryze and/or its banking partner by which the applicable Outstanding Balance must be repaid, as communicated through the Platform, the applicable Statement, or other disclosures;
“Manual Repayment” means a repayment of your Outstanding Balance initiated by you through the Platform or such other method as Ryze may make available, rather than through Autopay;
“Outstanding Balance” means, at any time, the aggregate amount payable by you in respect of settled transactions on your Booster Card, together with any applicable fees, charges, Returned ACH Debits, credits, adjustments, or other amounts, that has not yet been repaid;
“PIN” means the personal identification number associated with your Booster Card and established by you in connection with the activation or use of the Booster Card;
“Primary Linked Account” means the Bank Account used in connection with the Booster Services, including for underwriting, balance verification, transaction authorization, Autopay ACH debits, and Manual Repayments;
“Pending Transactions” means transactions that have been authorized or initiated using your Booster Card but that have not yet settled or posted to your Account;
“Processing Period” means the three (3) calendar day period beginning when you submit a request to disable Autopay, during which automatic ACH debits may continue to be initiated for eligible transactions that have settled or otherwise become eligible for collection during such period;
“Purchase” means the use of your Booster Card to purchase or pay for goods or services, including transactions conducted in person, online, by mail order, through mobile wallets, or by telephone, as permitted under these Booster Terms;
“Returned ACH Debit” means an ACH debit initiated in connection with the Booster Services that is returned, rejected, reversed, disputed, dishonored, or otherwise not successfully completed for any reason, including insufficient funds; and
“Statement” means the periodic account statement made available to you electronically through the Platform or other authorized delivery methods, which reflects your transactions, repayments, balances, and other Booster account activity for the applicable Billing Cycle.
Booster enables you to:
(collectively, the “Booster Services”).
In order to access and use the Booster Services, you must:
Ryze and/or its banking partner may require you to satisfy additional eligibility requirements on an ongoing basis in order to continue accessing or using the Booster Services.
Booster Services may not be available in all jurisdictions or to all users, and Ryze reserves the right to limit, suspend, or discontinue access to Booster at any time in its sole discretion and in accordance with applicable law.
Account Linking. We use third-party open banking service providers like Plaid Inc. to link your Bank Account for the purposes of providing the Booster Services. You agree to provide true, accurate, complete, and current information about yourself and your accounts. Please note that we will not be able to provide you with the Booster Services if you do not consent to linking and maintaining your Bank Account as required under these Booster Terms.
Verification. You authorize Ryze and its service providers, such as Socure, to verify the information provided by you in connection with the Booster Services, including information relating to your identity, linked Bank Account, payroll deposits, and other information. Ryze and/or its service providers may conduct Know Your Customer (“KYC”) and Office of Foreign Assets Control (“OFAC”) checks, in connection with the Booster Services.
Ryze and its respective service providers may access and retrieve information relating to your linked Bank Account, including on a recurring basis, for purposes including (a) identity verification and authentication; (b) underwriting; (c) fraud prevention and risk management; (d) transaction authorization and monitoring; (e) repayment processing and ACH payment processing; and (f) providing, maintaining, improving, and supporting the Booster Services.
Compliance with Privacy Policies. You authorize Ryze, its banking partner, and their respective service providers to access, retrieve, use, and process information relating to your linked Bank Account in connection with the Booster Services in accordance with these Booster Terms, the Terms, the Privacy Policy, and the applicable privacy policies of such third parties.
Your eligibility for the Booster Services and your Credit Limit may be determined based on cashflow underwriting, linked Bank Account information, risk assessments, and other underwriting criteria determined by Ryze and/or its banking partner from time to time. Ryze does not guarantee approval for the Booster Services or the availability of any minimum Credit Limit or Available Balance.
Ryze and/or its banking partner may review, modify, increase, decrease, restrict, or terminate your Credit Limit, Available Balance, or access to the Booster Services at any time based on underwriting reviews, account activity, repayment history, fraud prevention considerations, risk assessments, compliance requirements, or other operational or regulatory considerations.
If you disable Autopay, your maximum Credit Limit will be reduced to fifty percent (50%) of your underwritten maximum Credit Limit, effective immediately, and that reduced Credit Limit will remain in effect for as long as Autopay is disabled. Your underwritten maximum Credit Limit will be restored promptly upon re-enabling Autopay, subject to underwriting, risk, compliance and operational requirements, as described in the section titled “Repayment Authorization, Autopay and ACH Payments”.
Following successful completion of onboarding, verification and underwriting processes, Ryze and/or its banking partner may issue a Booster Card to you. The Booster Card will be made available through the Platform as a virtual card and a physical card will be delivered to the address associated with your Account.
The Platform will enable you to manage certain Booster Card functionality, including activating your Booster Card, freezing or unfreezing your Booster Card, reporting your Booster Card as lost, stolen, or compromised, and requesting a replacement Booster Card.
Activating Your Card. You must activate the Booster Card before it can be used. You may activate it on the Platform. You will be prompted to select a PIN when you activate your Booster Card. You should keep your PIN confidential and ensure that you do not write or keep your PIN with the Card. If you believe that anyone has gained unauthorized access to your PIN, you should inform us immediately.
Use of Booster Card. You may use the Booster Card to Purchase goods or services everywhere Mastercard cards are accepted. To initiate a Booster Card Purchase, you may (a) swipe the Booster Card through a POS terminal, (b) insert the Booster Card into an EMV chip-enabled POS terminal, (c) tap your contactless card at a contactless terminal, or (d) pay using a mobile wallet on your mobile phone to which you have added your Booster Card.
A transaction may be approved or declined in Ryze’s and/or its banking partner’s discretion including based on your Available Balance, Credit Limit, linked Bank Account information, repayment history, fraud prevention controls, merchant category restrictions, and compliance requirements.
Your Available Balance is determined dynamically and may be adjusted in real time based on multiple factors including:
Available Balance Calculation. In practice, your Available Balance equals the lesser of: (a) your Credit Limit minus your current outstanding balance; and (b) your last known Bank Account balance minus your current outstanding balance. Your Bank Account balance is fetched at least once every twenty-four (24) hours via open banking. Ryze does not guarantee that the fetched balance reflects all pending debits or credits at your bank at the time of a transaction.
When a transaction is authorized using your Booster Card, the amount of such transaction may be placed on hold and reflected as a Pending Transaction or Authorization Hold until the transaction settles, expires, or is otherwise released. Your Available Balance may be reduced by the amount of any such Authorization Hold during this period.
An Authorization Hold will not exceed the authorized transaction amount, plus any amount permitted by applicable payment network rules for particular merchant categories and will be released promptly following settlement of the transaction or upon expiry of the hold in accordance with applicable Mastercard network rules.
If you make a transaction in a currency other than United States Dollars, the transaction amount may be converted into United States Dollars by the applicable card network or financial institution at the exchange rate selected or determined by such party on the applicable processing or conversion date. The exchange rate applied to such transaction may differ from the rate in effect on the transaction date or the date on which the transaction is posted to your Account. Additional fees, charges, or exchange rate adjustments imposed by the applicable card network or financial institution may apply.
Transactions that (a) exceed your Available Balance; (b) violate applicable transaction restrictions; (c) are identified as suspicious, fraudulent, unauthorized, unlawful, or high-risk; or (d) otherwise fail Ryze’s and/or its banking partner’s fraud prevention, compliance, operational, security, or authorization checks, may be declined, reversed, or blocked by Ryze and/or its banking partner at any time.
Certain transactions or merchant categories may be prohibited, restricted, or unsupported in connection with the Booster Services, including cash advances and such other merchant category codes (“MCCs”), transaction types, or payment activities as Ryze and/or its banking partner may restrict from time to time.
Ryze and/or its banking partner may, at any time and with or without prior notice, modify, suspend, or remove restrictions relating to the Booster Services or Booster Card and are not responsible if any merchant, financial institution, or other third party refuses to accept or honor your Booster Card.
Ryze will generate and make available to you monthly electronic Statements through the Platform following the completion of each Billing Cycle.
Such Statements will include the information required by applicable law for the Booster Card, including the balance at the beginning of the Billing Cycle, an identification of each transaction during the Billing Cycle, the amounts and dates of any payments or credits applied, your current balance and Available Balance, pending transactions, the closing date of the Billing Cycle, the payment due date, and such other transaction information as Ryze and/or its banking partner may determine from time to time. You may access this information on the Platform as well.
You are responsible for reviewing your Statements, transaction history, and account information made available through the Platform and promptly notifying Ryze of any suspected errors, unauthorized transactions, inaccuracies, or suspicious activity in accordance with these Booster Terms and applicable law.
Your Booster Card may be blocked, suspended, disabled, or reinstated as described in this Section. As used in this Section, a “block” or “suspension” temporarily prevents new Purchases and other card activity without cancelling your Booster Card, while “disablement” permanently and irreversibly deactivates a Booster Card. A block, suspension, or disablement does not extinguish or reduce your obligation to repay any outstanding balance. Nothing in this Section limits any protection available to you under the section titled “Billing Disputes”, the section titled “Unauthorized Transactions”, the Cardholder Agreement, or applicable law.
Ryze and/or its banking partner may block your Booster Card at any time, with or without prior notice, where suspicious, fraudulent, unauthorized, unlawful, or high-risk activity is detected or suspected, or where a block is otherwise required for security, compliance, risk-management, operational, or fraud-prevention purposes, or for the safety and soundness of our banking partner. A block under this Section may be imposed pending review. Following its review, Ryze and/or its banking partner will, as applicable, either (a) lift the block and restore card functionality where the matter is resolved to its satisfaction, or (b) permanently disable the Booster Card and, where applicable, suspend, restrict, or terminate your access to the Booster Services. Where the block relates to a suspected unauthorized electronic fund transfer or other matter governed by the section titled “Unauthorized Transactions”, the investigation and any provisional credit will be handled in accordance with that section and applicable law.
You may temporarily freeze and unfreeze your Booster Card through the Platform. If you report your Booster Card as lost, stolen, compromised, or used without authorization (whether through the Platform), the Booster Card will be permanently disabled, cannot be reactivated, and a replacement Booster Card will be issued to the address associated with your Account. Issuance of a replacement Booster Card does not affect the determination of your liability under or your obligation to repay any outstanding balance.
Where a temporary block or suspension is lifted, card functionality will be restored after the applicable condition has been satisfied. Ryze and/or its banking partner are not required to reinstate a Booster Card that has been permanently disabled or an account that has been closed and may instead require the issuance of a new Booster Card or a new application, subject to eligibility and these Booster Terms.
Autopay is enabled by default for repayments when you sign up for Booster Services. Autopay remains active unless and until you disable it through the Platform, as described below. By enrolling in the Booster Services, you authorize the recurring ACH debits described in these Booster Terms.
Repayments in connection with the Booster Services may be processed either automatically through ACH debits initiated from your Primary Linked Account or manually by you through the Platform using ACH debit from your linked Primary Linked Account. No secondary or alternative account may be used for repayments at this time. If your Primary Linked Account is closed, frozen, or otherwise unavailable, you must contact Ryze to update your linked account before repayments can be processed.
Where repayment is processed automatically, Ryze and/or its banking partner may initiate ACH repayment transactions by aggregating eligible transactions that have settled on a given settlement day into a single ACH debit from your Primary Linked Account. The ACH debit amount may include settled transaction amounts, Returned ACH Debits, applicable fees, and other amounts included in your Outstanding Balance, in each case as disclosed in these Booster Terms, the Cardholder Agreement, your ACH authorization, or other applicable disclosures.
When an ACH repayment is initiated, a hold is placed and your available credit is not restored immediately. Your available credit is restored once the ACH debit is deemed successful, which generally occurs when no return is received within the applicable ACH return window (typically up to two (2) Business Days for Same-Day ACH).
If you disable Autopay, the Processing Period will apply. During the Processing Period, ACH debits may continue automatically for eligible transactions that have settled or otherwise become eligible for collection during the Processing Period. After the Processing Period ends, Ryze will not initiate further automatic ACH debits from your Primary Linked Account for transactions that settle after such period unless you re-enable Autopay or otherwise provide affirmative authorization. Disabling Autopay does not extinguish or reduce your repayment obligations with respect to any Outstanding Balance. While Autopay is disabled, your Credit Limit will remain reduced to fifty percent (50%) of your underwritten maximum Credit Limit, and you will remain responsible for ensuring timely repayment of all Outstanding Balances, including by Manual Repayment through the Platform.
During the Processing Period: (a) you may not re-enable Autopay; and (b) your Credit Limit will remain reduced to fifty percent (50%) of your underwritten maximum Credit Limit. Following the end of the Processing Period, while Autopay remains disabled, you will be responsible for repaying all Outstanding Balances by Manual Repayment through the Platform by the applicable Due Date. Transactions that settle after the Processing Period ends will not be collected automatically unless you subsequently re-enable Autopay or otherwise provide affirmative authorization.
Preauthorized Transfer Authorization. By enabling Autopay or by using the Booster Services in a manner that triggers automatic ACH repayment, you authorize Ryze and its banking partner to initiate ACH debit entries from your linked Primary Linked Account. Because the amount of each ACH debit will vary, Ryze will provide you advance notice of the amount and date of each varying debit at least ten (10) days before the scheduled transfer, except that you may agree to receive such notice only when a debit falls outside a specified range, in each case as permitted under applicable law. You have the right to stop payment on a preauthorized ACH debit by notifying Ryze in writing at least three (3) Business Days before the scheduled transfer date.
If any ACH repayment transaction is declined, reversed, disputed, or otherwise unsuccessful for any reason, including as a result of a Returned ACH Debit, Ryze and/or its banking partner may:
Where a Returned ACH Debit occurs, Ryze may automatically retry the returned amount in the next settlement-day ACH batch. After two (2) consecutive Returned ACH Debits, automatic retries will cease, your Booster Card will be temporarily blocked, and no further transactions will be permitted until you repay the full Outstanding Balance by Manual Repayment through the Platform. Your card access will be restored once the Manual Repayment is confirmed as successful.
You must notify Ryze of any suspected billing errors or disputed transactions relating to the Booster Services no later than sixty (60) days after Ryze sent or made available the first Statement on which the suspected billing error or disputed transaction appeared. Your notice should identify your name and Booster Card or account information, the suspected billing error or disputed transaction, and the reason you believe it is an error. A summary of your billing error rights will be provided on or with each Statement.
Upon receipt of a billing dispute notice, Ryze and/or its banking partner will acknowledge your notice in writing within thirty (30) days of receipt (unless the suspected billing error is corrected within that period) and will resolve the dispute, or explain in writing why it believes no billing error occurred, within two (2) complete Billing Cycles after receiving your notice (and in any event no later than ninety (90) days after receipt). Ryze and/or its banking partner may investigate the disputed transaction and request additional information or documentation from you in connection with such investigation.
Pending resolution of a billing dispute, Ryze and/or its banking partner may withhold adjustments, reversals, credits, or refunds solely with respect to the amount in dispute. While a suspected billing error is being investigated, Ryze and/or its banking partner will not require you to pay the disputed amount, will not treat the disputed amount as delinquent or report it as delinquent to any consumer reporting agency, will not impose any fee or charge on the disputed amount, and will not close or restrict your Booster Card solely because of the dispute.
You must notify Ryze immediately if you believe your Booster Card, PIN, device, or authentication credentials have been lost, stolen, compromised, or used without authorization.
Your liability for unauthorized transactions depends on the type of transaction. For unauthorized use of your Booster Card, your liability will be determined in accordance with the Mastercard Zero Liability policy, the Cardholder Agreement, and applicable law, under which you will generally not be held responsible for unauthorized Booster Card transactions, provided you have exercised reasonable care in safeguarding your Booster Card, PIN, and authentication credentials. For unauthorized electronic fund transfers from your linked Bank Account (including unauthorized ACH debits), your liability will be determined in accordance with applicable law and, where your linked Bank Account is held at another financial institution, the agreements and disclosures provided by that financial institution. You should notify Ryze, its banking partner, and/or the financial institution holding your Primary Linked Account promptly if you believe any unauthorized transaction or unauthorized electronic fund transfer has occurred.
Your liability for unauthorized use of your Booster Card will be determined in accordance with the Cardholder Agreement, applicable payment network rules, and applicable law. Your liability for unauthorized electronic fund transfers from your linked Bank Account, including unauthorized ACH debits, will be determined in accordance with applicable law and, where your Primary Linked Account is held at another financial institution, the agreements and disclosures provided by that financial institution. Your maximum liability for unauthorized electronic fund transfers, including unauthorized ACH debits from your linked Bank Account, is as follows:
Ryze and/or its banking partner may investigate any reported unauthorized transaction and may require you to provide additional information, documentation, or cooperation in connection with such investigation. For unauthorized electronic fund transfers, Ryze and/or its banking partner will comply with applicable error-resolution and provisional-credit requirements to the extent required under applicable law and to the extent Ryze and/or its banking partner is the financial institution responsible for such investigation. Where your linked Bank Account is held at another financial institution, error resolution and any provisional credit in respect of unauthorized electronic fund transfers from that account may be handled by that financial institution under its own agreements, disclosures, and applicable law. Ryze and/or its banking partner will provide the results of any investigation conducted by them within the timeframes required by applicable law.
You acknowledge and agree that Ryze may furnish information relating to your Booster Card, including repayment history, outstanding balances, delinquency, and other account-related information, to consumer reporting agencies, including TransUnion, Experian, and Equifax, in accordance with applicable law.
Timely repayments and responsible use of the Booster Services may contribute to your credit history; however, Ryze does not guarantee any specific impact on your credit score or credit profile. Late payments, failed repayments, ACH reversals, delinquency, and other negative account activity may also be reported to consumer reporting agencies in accordance with applicable law and may negatively affect your credit score and credit profile.
Third-Party Scores. Ryze may make your credit score or credit monitoring information available through the Platform via third-party providers such as TransUnion TrueEmpower. Such scores are provided for informational purposes only and may differ from scores used by lenders or other third parties in their own credit decisions.
Rights under FCRA. You have certain rights under the Fair Credit Reporting Act (“FCRA”), including:
When bureau reporting is active, your Booster Card account may be reported to consumer reporting agencies as an unsecured credit card with a portfolio type of “Open”, and your credit limit may be reported as $0. A reported credit limit of $0 reflects the charge-card structure under which your full balance is required to be repaid when due and does not affect your ability to make Purchases up to your actual Credit Limit or Available Balance.
Adverse Action. If Ryze or its banking partner takes adverse action against you based in whole or in part on information obtained from a consumer reporting agency or other information source (including, without limitation, a reduction in your Credit Limit, suspension of Booster Services, or denial of an application), or otherwise takes adverse action within the meaning of the Fair Credit Reporting Act or the Equal Credit Opportunity Act, Ryze or its banking partner shall, to the extent required by applicable law, provide you with an adverse action notice identifying the basis for such action and your rights under applicable law.
Furnisher Obligations. Ryze and/or its banking partner, as applicable, will maintain reasonable procedures designed to promote the accuracy and integrity of information furnished to consumer reporting agencies in connection with Booster. If you believe that information furnished about your Booster Card account is inaccurate or incomplete, you may dispute such information by contacting Ryze at support@ryze.com or by contacting the applicable consumer reporting agency directly. Ryze and/or its banking partner, as applicable, will investigate disputes in accordance with the FCRA and applicable furnisher rules.
Bureau Reporting Timing. Please note that bureau reporting to TransUnion, Experian, and Equifax may not commence at the time of initial account opening. Ryze will notify you when bureau reporting becomes active in connection with your account. For the avoidance of doubt, on-time repayments made prior to the commencement of bureau reporting shall not be reported to consumer reporting agencies retroactively unless Ryze expressly notifies you otherwise. Ryze does not guarantee that any particular account activity will be reported, or reported within any particular timeframe, except to the extent required by applicable law.
Network Rules. The Booster Card operates on the Mastercard payment network. Your use of the Booster Card is subject to the rules, regulations, operating standards, and policies of Mastercard International Incorporated (“Mastercard Network Rules”), as amended from time to time. In the event of any conflict between these Booster Terms and the Mastercard Network Rules with respect to the use, processing, or settlement of transactions involving the Booster Card, the Mastercard Network Rules shall prevail to the extent of such conflict.
Mastercard Marks. The Mastercard name, logo, and associated marks are the trademarks of Mastercard International Incorporated. Nothing in these Booster Terms grants you any right, license, or interest in the Mastercard marks.
Network Modifications. Mastercard may modify its Network Rules from time to time. Ryze and its banking partner may modify, restrict, or discontinue certain features of the Booster Card to the extent required to comply with applicable Network Rules, without prior notice to you.
Ryze may suspend, restrict, or terminate your access to the Booster Services, at any time, with or without notice, if:
Upon suspension, restriction, or termination of the Booster Services:
Failure to pay the full Outstanding Balance by the applicable Due Date may result in your account becoming delinquent. Accounts that remain delinquent for six (6) delinquency cycles may be suspended, restricted, closed, charged off, and reported to consumer reporting agencies as charged off, in accordance with applicable law and Ryze’s and/or its banking partner’s servicing policies.
Ryze does not guarantee:
You agree and acknowledge that your credit score and credit profile may change over time based on numerous factors that are outside Ryze’s control.
Please refer to the following table to understand the fees and charges in relation to the Booster Services.
| S. No | Item | Fee |
|---|---|---|
| 1 | Annual Fee | Nil |
| 2 | Joining Fee | Nil |
| 3 | Late Payment Fee | Nil |
| 4 | Repayment Return Fee | Nil |
| 5 | Interest | Nil |
| 6 | Foreign Transaction Fee | To be disclosed |
| 7 | Card Replacement Fees | To be disclosed |
Ryze and/or its banking partner may charge an applicable replacement card fee, require additional verification, decline a replacement card request, or restrict replacement card requests if Ryze and/or its banking partner reasonably determines that the number or frequency of replacement requests is excessive, suspicious, or creates operational, security, or fraud-prevention concerns.
Any fees charged in connection with the Booster Services may be added to your Outstanding Balance and collected in accordance with your repayment schedule, your ACH authorization, these Booster Terms, and applicable law.
Ryze and/or its banking partner may amend these Booster Terms from time to time.
Where required by applicable law, Ryze and/or its banking partner will provide you advance notice of changes to the terms of your Account (generally at least forty-five (45) days before the change becomes effective) and, where applicable, your right to reject the change.
Your continued use of the Booster Services after a change becomes effective constitutes your acceptance of the amended Booster Terms, to the extent permitted by applicable law.
If you would like to exercise any of your rights or if you have any grievances or queries, you may contact us at support@ryze.com or by selecting the option “Contact Us” on the Platform.
Last Updated On: July 9, 2026
Vault is a Ryze Product that enables eligible users (“you” or “your”) to access and use Vault Services (defined below).
By enrolling in, or using the Vault Services, you agree to these Vault Terms (“Vault Terms”). These Vault Terms supplement, and are incorporated into, the Terms. In the event of any conflict between these Vault Terms and the Terms, these Vault Terms shall prevail solely with respect to your access and use of the Vault Services.
Certain features of Vault Services are provided by Ryze’s banking partner, First National Bank of Lacon (“FNBL”), Member FDIC. Ryze acts as the program manager for certain Vault Services, while FNBL is the depository institution providing the Vault Account (defined below) and the issuer of the Debit Card. The Vault Services are subject to terms, conditions, agreements, and schedules, as provided in the account and cardholder agreement (“Bank Agreement”) and additional disclosures, policies, and terms issued by FNBL and/or applicable payment networks from time to time.
Capitalized terms used in these Vault Terms shall have the meaning as ascribed below. Capitalized terms not defined in these Vault Terms shall have the meanings assigned to them in the Terms.
“ACH” means the Automated Clearing House network;
“ATM” means an automated teller machine;
“Available Balance” means the amount of funds available in your Vault Account or External Account, as the case may be, for undertaking transactions, including without limitation, withdrawal, transfer, card transactions, or other permitted use, after taking into account Pending Transactions, holds, restrictions, and other operational or risk-based adjustments;
“Vault Account” means the checking account made available in connection with the Vault Services by Ryze’s banking partner;
“Business Day” means any day other than a Saturday, Sunday, or federal and state holiday on which commercial banks in Lacon, Illinois are generally open for business and the ACH network is operational;
“Debit Card” means the physical and/or virtual debit card issued in connection with the Vault Services;
“External Account” means any external bank account linked by you in connection with the Vault Services;
“Pending Transaction” means any transaction authorized or initiated using your Vault Account or Debit Card that has not yet settled or posted;
“PIN” means the personal identification number associated with your Debit Card and established by you in connection with the activation or use of the Debit Card; and
“Statement” means the monthly statement of your Vault Account made available electronically through the Platform or other authorized delivery methods reflecting account balances, transactions, transfers, fees, and other account activity for the applicable statement period.
Vault enables you to:
(collectively, the “Vault Services”).
In order to access and use the Vault Services, you must:
Ryze and/or FNBL may require you to satisfy additional eligibility requirements on an ongoing basis in order to continue accessing or using the Vault Services.
Vault Services may not be available in all jurisdictions or to all users, and Ryze reserves the right to limit, suspend, or discontinue access to Vault at any time in its sole discretion and in accordance with applicable law.
Account Opening. In order to access and use certain Vault Services, you will be required to open and maintain a Vault Account through the Platform in accordance with these Vault Terms and any additional requirements specified by Ryze and/or FNBL from time to time. Your Vault Account and certain Vault Services may also be subject to separate agreements, disclosures, policies, and terms provided by FNBL and/or applicable payment networks from time to time, including any applicable account agreements, electronic funds transfer disclosures, fee schedules, and funds availability disclosures. Please note that the Vault Services do not include overdraft protection or overdraft credit functionality unless expressly stated otherwise by Ryze and/or FNBL.
Verification. You authorize Ryze, FNBL, and their respective service providers, such as Socure, to verify the information provided by you in connection with the Vault Services, including information relating to your identity, Vault Account, External Account, debit cards, account activity, and other information. Ryze and/or FNBL shall conduct Know Your Customer (“KYC”) and Office of Foreign Assets Control (“OFAC”) checks, in connection with the Vault Services.
Account Linking. We use third party open banking service providers like Plaid Inc. to link your External Account in connection with the Vault Services. You agree to provide true, accurate, complete, and current information about yourself and your accounts. Please note that we will not be able to provide you with some of our services/ products, if you do not consent to linking your External Account for availing our Vault Services.
Ryze, FNBL, and their respective service providers may access and retrieve information relating to your Vault Account, linked External Accounts, and debit cards, including on a recurring basis, for purposes including (a) identity verification and authentication; (b) account opening, servicing, and verification; (c) fraud prevention and risk management; (d) transaction authorization and monitoring; (e) ACH transfers, transaction processing, and payment processing; and (f) providing, maintaining, improving, and supporting the Vault Services.
Compliance with Privacy Policies. You authorize Ryze, FNBL, and their respective service providers to access, retrieve, use, and process information relating to your Vault Account, External Accounts, and debit cards in connection with the Vault Services in accordance with these Vault Terms, the Terms, the Privacy Policy, and the applicable privacy policies of such third parties.
Following successful completion of onboarding, verification, and account opening processes, Ryze and/or FNBL may issue a Debit Card to you in connection with the Vault Services. The Debit Card may be made available through the Platform as a virtual card and/or as a physical card delivered to the address associated with your Account.
You must activate your Debit Card before it can be used. You may activate the Debit Card through the Platform or such other methods as Ryze and/or FNBL may make available from time to time. You may also be required to establish or manage a PIN in connection with the use of your Debit Card.
You should keep your PIN confidential and ensure that you do not write down or store your PIN with your Debit Card. If you believe that anyone has gained unauthorized access to your PIN, you should inform us immediately.
You may use your Debit Card to make transactions from your Vault Account wherever Mastercard-branded debit cards are accepted, subject to your Available Balance, applicable transaction limits, these Vault Terms, Bank Agreement, Bank Documents and any restrictions imposed by Ryze, FNBL, or applicable payment networks from time to time.
Your Debit Card remains the property of FNBL and may be cancelled, repossessed, restricted, suspended, or revoked by Ryze and/or FNBL at any time in accordance with these Vault Terms, applicable law, or applicable payment network requirements.
The Vault Services may also enable you to link and use eligible External Accounts or debit cards in connection with certain funding, transfer, payment, or account management functionality. Such External Accounts and debit cards are provided by third-party financial institutions and remain subject to the terms, conditions, and restrictions imposed by the applicable third-party provider or issuer.
The Platform will enable you to manage certain Debit Card functionality, including activating your Debit Card, temporarily freezing or unfreezing your Debit Card, reporting your Debit Card as lost, stolen, or compromised, and requesting a replacement Debit Card. If you report your Debit Card as lost, stolen, compromised, or used without authorization, the reported Debit Card may be permanently disabled and a replacement Debit Card issued to the address associated with your Account. Ryze and/or FNBL may block or disable your Debit Card at any time, with or without prior notice, where suspicious, fraudulent, unauthorized, unlawful, or high-risk activity is detected or suspected, or where a block is otherwise required for security, compliance, risk-management, operational, fraud-prevention, or safety-and-soundness purposes.
Fund Availability. Funds deposited into your Vault Account may not be immediately available for withdrawal, transfer, or use. Availability of funds may depend on transaction verification procedures, fraud prevention reviews, regulatory requirements, network processing timelines, and Bank Agreement. The funds availability policy applicable to your Vault Account will be provided to you at or before account opening as part of the Bank Agreement and any applicable FNBL issued disclosures. You should review the funds availability disclosure carefully before opening your Vault Account.
FDIC Insurance. Vault Accounts are provided by First National Bank of Lacon, Member FDIC. Eligible deposits held in your Vault Account are insured by the FDIC up to $250,000 (United States Dollar two hundred and fifty thousand) per depositor, per insured bank, for each account ownership category, subject to applicable FDIC rules and limitations. Ryze is not an FDIC-insured bank, and FDIC insurance does not apply to non-deposit products.
The Vault Services may enable you to initiate, receive, authorize, and manage ACH transfers and other electronic payment transactions involving your Vault Account and linked External Accounts, subject to these Vault Terms and any limitations imposed by Ryze, FNBL, applicable payment networks, or applicable law.
By using the Vault Services, you authorize Ryze, FNBL, and their respective service providers to initiate ACH debits, credits, transfers, reversals to and from your Vault Account and linked External Accounts in connection with the Vault Services, including for:
Transfers and electronic payments initiated through the Vault Services may be subject to processing timelines, transaction limits, settlement delays, verification procedures, fraud prevention reviews, network requirements, and other operational or compliance-related restrictions determined by Ryze and/or FNBL from time to time. Certain outbound ACH transfers or transfers involving newly linked payees or External Accounts may be subject to additional account validation, fraud prevention reviews, processing delays, or authentication procedures in accordance with applicable NACHA rules, network requirements, and fraud prevention obligations. Please refer to Annexure II for further details.
You are responsible for ensuring that all payment instructions, transfer details, linked External Account information, and funding instructions submitted through the Vault Services are accurate and complete. Ryze and FNBL shall not be responsible for delays, failed transfers, misdirected payments, or other losses arising from inaccurate, incomplete, or incorrect instructions provided by you.
Preauthorized Transfers. If you authorize a recurring preauthorized electronic fund transfer from your Vault Account or External Account, you have the right to stop payment of such transfer by notifying Ryze in writing at least three (3) Business Days before the scheduled transfer date, using the contact information made available through the Platform. Please note that stopping payment of a preauthorized transfer does not revoke or extinguish any underlying payment obligation you may have towards Ryze or any third party. Ryze is not responsible for any fees, penalties, charges, or other consequences arising from your decision to stop a preauthorized transfer, except to the extent caused by Ryze’s error or required by applicable law.
Electronic Fund Transfer Disclosure. Certain Vault Services involve electronic fund transfers to or from your Vault Account, including debit card transactions, ATM withdrawals, ACH transfers, and external account transfers. Your rights and obligations in relation to such electronic fund transfers are described in the Electronic Fund Transfer Disclosure attached as Annexure II to these Vault Terms or otherwise provided to you by FNBL before you make your first electronic fund transfer. The Electronic Fund Transfer Disclosure forms part of these Vault Terms and applies to your use of the Vault Services.
Your Debit Card may be used to withdraw cash, obtain balance information, and perform other supported transactions at ATMs that accept Mastercard-branded debit cards or participate in supported ATM networks made available in connection with the Vault Services.
ATM transactions may be subject to transaction limits, withdrawal limits, availability restrictions, network rules, fraud prevention controls, and other operational or security requirements imposed by Ryze, FNBL, ATM operators, or applicable payment networks from time to time.
Certain ATM operators or networks may impose additional fees, surcharges, restrictions, or limitations in connection with ATM transactions. Such fees and charges are determined by the applicable ATM operator or network and are separate from any fees charged by Ryze or FNBL. Ryze and/or FNBL do not operate or control third-party ATMs and are not responsible for the availability, functionality, security, or operation of any third-party ATM, including any delay, error, malfunction, cash unavailability, or failure affecting ATM transactions.
Ryze will generate and make available to you monthly electronic Statements through the Platform in connection with the Vault Services. Such Statements may include information relating to your Vault Account, Debit Card transactions, ACH transfers, balances, deposits, withdrawals, fees, Pending Transactions, and other account activity.
Statements may be provided electronically in accordance with the Terms and applicable law. You have the right to withdraw your consent to electronic delivery at any time by contacting Ryze using the contact information available through the Platform. Upon withdrawal of your E-SIGN consent, Ryze will arrange for paper Statements and other required communications to be delivered to you by mail.
You may also access transaction history, account balances, transfer activity, card activity, and other account-related information through the Platform.
You are responsible for reviewing your Statements, transaction history, and account information and promptly notifying Ryze of any suspected unauthorized transactions, errors, inaccuracies, or suspicious activity in connection with the Vault Services.
Ryze and/or FNBL may place holds on transactions, delay processing, reject transfers, reverse transactions, or decline payment instructions if:
Certain transactions, merchant categories, payment activities, or transfer functionality may be prohibited, restricted, or unsupported in connection with the Vault Services, including cash-equivalent transactions, unlawful transactions, gambling-related transactions, and such other merchant category codes (“MCCs”), transaction types, or payment activity as Ryze and/or FNBL may restrict from time to time.
Ryze and/or FNBL may modify, suspend, restrict, or discontinue certain transaction functionality or access to the Vault Services at any time in accordance with applicable law, applicable payment network requirements, and operational or risk management policies.
Ryze and FNBL are not responsible if any merchant, ATM operator, payment network, financial institution, or other third-party refuses to accept, honor, process, or authorize any transaction involving your Debit Card, Vault Account, or Vault Services.
Notice of Errors or Questions. You must promptly notify Ryze if you believe there has been an error involving your Vault Account or an electronic fund transfer, or if you need more information about your transaction history. This includes suspected billing errors, unauthorized transfers, incorrect charges, duplicate transactions, missing transfers, computational errors, or any other discrepancy relating to the Vault Services.
Time for Reporting Errors. You must notify us no later than 60 days after the first Statement or other account documentation on which the suspected error appeared was made available to you.
Information to be Provided. When notifying us of a suspected error, you should provide:
You may notify us at support@ryze.com or by selecting the option “Contact Us” on the Platform.
Upon receipt of a dispute or error notice, Ryze will investigate the relevant transaction or account activity and determine whether an error occurred within 10 (ten) business days after receiving your notice of error. If Ryze is unable to complete the investigation within 10 (ten) business days, we will provisionally credit the account. We may require additional information, documentation, or cooperation from you. We will notify you of the results of the investigation within 3 (three) business days after completing the investigation and will correct any error promptly, including by making any required credit, reversal, refund, or adjustment.
If Ryze and/or FNBL require more time to investigate your complaint or question, the investigation period may be extended up to 45 (forty-five) days from receipt of your notice of error. For errors involving a new account, point-of-sale transaction, or foreign-initiated transfer, Ryze and/or FNBL may take up to 90 (ninety) days to investigate your complaint or question.
If Ryze determines that no error occurred, we will send you a written explanation of the determination. You may request copies of the documents that were used in the investigation, to the extent required under applicable law.
Your Liability for Unauthorized Transfers. Subject to applicable law, Mastercard Zero Liability Policy, Cardholder Agreement, your liability for unauthorized electronic fund transfers will depend on how quickly you notify us after you learn of the loss, theft, compromise, or unauthorized use of your Debit Card, Account credentials, PIN, Vault Account, or other access device.
Ryze and/or its banking partner may investigate any reported unauthorized transaction and may require you to provide additional information, documentation, or cooperation in connection with such investigation. For unauthorized electronic fund transfers, Ryze and/or its banking partner will comply with applicable error-resolution and provisional-credit requirements to the extent required under applicable law and to the extent Ryze and/or its banking partner is the financial institution responsible for such investigation. Ryze and/or its banking partner will provide the results of any investigation conducted by them within the timeframes required by applicable law.
If your Vault Account remains inactive or dormant for an extended period of time, Ryze and/or FNBL may classify the account as dormant or inactive in accordance with applicable law, regulatory requirements, and internal policies.
Funds held in dormant or inactive accounts may become subject to applicable unclaimed property, abandoned property, or escheat laws and may be reported and remitted to the appropriate governmental authority in accordance with applicable law.
Prior to remitting funds to a governmental authority, Ryze and/or FNBL may attempt to contact you using the contact information associated with your Account; however, it is your responsibility to maintain accurate and current contact information at all times.
Once funds are remitted to a governmental authority pursuant to applicable unclaimed property or escheat laws, Ryze and FNBL may no longer have any responsibility or liability with respect to such funds, and any claim relating thereto must be made directly with the applicable governmental authority.
Network Rules. The Debit Card operates on the Mastercard payment network. Your use of the Debit Card is subject to the rules, regulations, operating standards, and policies of Mastercard International Incorporated (“Mastercard Network Rules”), as amended from time to time. In the event of any conflict between these Vault Terms and the Mastercard Network Rules with respect to the use, processing, or settlement of transactions involving the Debit Card, the Mastercard Network Rules shall prevail to the extent of such conflict.
Mastercard Marks. The Mastercard name, logo, and associated marks are the trademarks of Mastercard International Incorporated. Nothing in these Vault Terms grants you any right, license, or interest in the Mastercard marks.
Network Modifications. Mastercard may modify its Network Rules from time to time. Ryze and its banking partner may modify, restrict, or discontinue certain features of the Debit Card to the extent required to comply with applicable Network Rules, without prior notice to you.
Ryze and/or FNBL may suspend, restrict, block, close, or terminate your access to the Vault Services, Vault Account, Debit Card, or certain transaction functionality at any time, with or without notice, if:
Upon suspension, restriction, closure, or termination of the Vault Services:
You may close your Vault Account and terminate your use of the Vault Services at any time by following the account closure process made available through the Platform or by contacting Ryze and/or FNBL, subject to settlement of any pending transactions, repayment of any amounts owed, and completion of any applicable verification or closure procedures. Upon closure at your request, any remaining available funds will be returned to you in accordance with the section titled “Return of Remaining Funds” and the Bank Agreement. Closure of your Vault Account may affect your access to other Ryze Products or Services that rely on the Vault Account.
Return of Remaining Funds. If your Vault Account is closed, any remaining available funds in your Vault Account, after deduction of any applicable fees, charges, pending transactions, reversals, set-offs, or other amounts owed or permitted to be withheld under these Vault Terms, the applicable Bank Agreement, or applicable law, will be returned to you in accordance with the Bank Agreement.
Restrictions on Return of Funds. Ryze may delay, restrict, or withhold the return of funds where required by applicable law, court order, dispute investigation, chargeback or reversal process, negative balance recovery, or other compliance requirements. Funds that cannot be returned to you after account closure may be handled in accordance with applicable unclaimed property or escheat laws.
The Vault Account is a non-interest-bearing account.
No interest or annual percentage yield (“APY”) will be paid on funds held in the Vault Account.
No minimum balance is required to open or maintain the Vault Account unless otherwise specified by Ryze and/or FNBL.
Please refer to Annexure I of these Vault Terms for the fees and charges in relation to the Vault Services.
Any such modification to these Vault Terms will be communicated to you in accordance with applicable law, and any Bank Agreement or disclosure.
Without limiting the foregoing, where a change to any electronic fund transfer term is required to be disclosed in advance, you will be provided written notice at least 21 (twenty-one) days before the effective date of such change, unless an exception applies under applicable law. Where a change to any deposit account term is required to be disclosed in advance, you will be provided written notice at least 30 (thirty) calendar days before the effective date of such change, unless specified under applicable law.
Where any change is made to the funds availability policy applicable to the Vault Account, such change will be notified in accordance with the applicable FNBL Funds Availability Disclosure.
If you would like to exercise any of your rights or if you have any grievances or queries, you may contact us at support@ryze.com or by selecting the option “Contact Us” on the Platform.
The fee schedule for Vault Services will be published here when finalized. Until then, any applicable fees will be disclosed in the Platform and/or in separate disclosures provided at or before account opening or before a fee is charged.
Scope of this Electronic Fund Transfer Disclosure. This Annexure II constitutes the Electronic Fund Transfer Disclosure applicable to electronic fund transfers involving your Vault Account. It should be read together with the Vault Terms. In the event of any conflict between this Annexure II and the Vault Terms in relation to electronic fund transfers, this Annexure II and any applicable FNBL-issued disclosure shall prevail to the extent of such conflict.
Types of Electronic Fund Transfers Available. The types of electronic fund transfers available through the Vault Services will be disclosed on the Platform and in the applicable FNBL-issued disclosures.
Transaction Limits. Applicable transaction, withdrawal, and transfer limits will be disclosed on the Platform and in the applicable FNBL-issued disclosures.
Statements. We will provide periodic statements for your Vault Account as set out in the section titled “Statement and Account Information” of these Vault Terms.
Error Resolution and Unauthorized Transfers. Your rights and obligations in relation to errors, unauthorized transfers, transaction disputes, investigation timelines, provisional credit, and liability for unauthorized transfers are set out in the section titled “Errors, Unauthorized Transfers and Transaction Disputes” of these Vault Terms.
Liability for Failure to Make or Stop Transfers. If we do not complete a transfer to or from your Vault Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages in accordance with applicable law. However, there are some exceptions as set out under the section titled “Transaction Restrictions” of the Vault Terms.
Disclosure of Account Information to Third Parties. Ryze may disclose information relating to your Vault Account or electronic fund transfers to third parties where permitted under applicable law, including:
Business Days. Our business days are every day, except Saturdays, Sundays and federal and state holidays in the state of Illinois.
Contact Information for Electronic Fund Transfers, Errors and Unauthorized Transfers. You may reach out to us at support@ryze.com or by selecting the option “Contact Us” on the Platform.