Terms of Use
Last revised June 26, 2024
The following terms of service are terms of a legal agreement (the “Agreement”) between you (“you”, “your”, or “user”) and Line
Financial, PBC., its subsidiaries, affiliates, agents and assigns (“Blitz”, “we”, “us”, or “our”) which sets forth the terms and conditions for
your use of Blitz’s mobile application (“Mobile App”) and Blitz’s website, blitzmoney.co , as well as the products and services offered,
operated or made available by Blitz through the Mobile App (collectively, the “Services”). The Mobile App, website and Services are
owned and operated by Blitz, and are being provided to you expressly subject to this Agreement. By accessing, browsing and/or
using the Mobile App, blitzmoney.co or the Services, you acknowledge that you have read, understood, and agree to be bound by the
terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an
essential basis of the bargain between you and Blitz, and this Agreement governs your use of the Mobile App, blitzmoney.co and the
Services.
THIS AGREEMENT ALSO INCLUDES, AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION
WAIVER. PLEASE REFER TO SECTION 24 BELOW FOR MORE INFORMATION.
1. ACCEPTANCE OF AGREEMENT
Please carefully review this Agreement before using the Mobile App, blitzmoney.co or the Services, or accessing any data thereon. If
you do not agree to these terms, you may not access or use the Mobile App, blitzmoney.co or the Services. To use Mobile App,
blitzmoney.co or the Services and to accept the Agreement, you must be 1) a legal resident of the United States, 2) of legal age to form
a binding contract with Blitz, 3) not prohibited by law from using the Mobile App, blitzmoney.co or the Services.
2. MODIFICATION OF THIS AGREEMENT
Blitz reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised
Agreement on its website, blitzmoney.co . You should check this Agreement on blitzmoney.co periodically for changes. All changes
shall be effective upon posting. We will date the terms with the last day of revision. Your continued use of the Mobile App,
blitzmoney.co or the Services after any change to this Agreement constitutes your agreement to be bound by any such changes.
Blitz may terminate, suspend, change, or restrict access to all or any part of the Mobile App, blitzmoney.co or the Services without
notice or liability.
3. PRIVACY POLICY
Blitz maintains a Privacy Policy, and it details how we handle and protect data. We fully incorporate our Privacy Policy into this
Agreement. Note that we reserve the right to update the Privacy Policy at our discretion, and that any changes made to our
Privacy
Policy
are effective when the updates are live on
4. MINIMUM TECHNOLOGY REQUIREMENTS TO ACCESS SERVICES
To access and use the Mobile App and Services, you must have a mobile device with access to the Internet running either Apple iOS
10.3 or higher, or Android 4.1 or higher. You must also have a valid email address and sufficient storage space to install any required
mobile application. Blitz’s mobile applications are available on the Apple App Store (for Apple devices) and Google Play Store (for
Android devices).
5. USER INFORMATION ACCURACY AND UPDATES
To access Blitz’s Services, you must create a Mobile App user account with Blitz. This process will include creation of a Login ID to
access the Mobile App and the Services. When you sign up for a user account, you agree to provide accurate, current and complete
information—such as your name, mailing address, and email address –as may be prompted by any registration forms available
through the Mobile App, in connection with the Services or as otherwise requested by Blitz for such information (“User
Information”). You further represent that you are a legal owner of, and that you are authorized to provide us with, all User Information
and other information necessary to facilitate your use of the Mobile App and Services. In order to use certain Services, Blitz may be
required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not
respond to such inquiries or we cannot verify your identity, we can refuse to allow you to use the Mobile App and/or Services. Should
any of your User Information change, you agree that you will update this information as soon as possible. To update your User
Information, you may go to the Profile section of the Blitz app, click on “Settings,” and update your User Information accordingly.
Should you believe or have reason to believe that any of your User Information, including your Login ID, has been compromised, or
that another person is accessing your user account through some other means, you agree to notify us as soon as possible at
6. OVERVIEW OF SERVICES
Blitz offers a variety of services and features collectively referred to in this Agreement as the “Services.” These Services together
called Personal Financial Management Services and include: A suite of services and features you can subscribe to that can assist you
in sending money to loved ones, early access to verified deposits, managing your budget, avoiding overdrafts, saving money, checking
credit score, estimating tax payments due to IRS and filing of taxes, getting personalised offers on insurance, loans and more. You can
also set aside money for unexpected expenses. If you encounter an unexpected expense (medicine, gas, diapers, grocery, bills, etc)
before you have enough money saved up, you can get access to your own verified deposits (via Everdraft™ feature) between $5 -
$1,000 to help cover the expense. See Section 8 for terms and details.
7. THIRD-PARTY BANKING ACCOUNT INFORMATION
To use the Services, you direct Blitz to retrieve your account transaction history, balance information, and/or other information
maintained by third-parties which are your personal accounts you own, manage and engage in financial transactions with (“Third-
Party Account Information”). Blitz works with one or more third-party service providers to access this Third-Party Account
Information. We will use this information to provide you with the Services you request, for our own internal business purposes and to
offer you other Blitz products and services that may be of interest to you. By using the Services, you authorize Blitz to access this
information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to
disclose your information to us. By agreeing to this Agreement, you are also agreeing that you are responsible for keeping any
passwords and usernames you provide to us so we can retrieve this Third-Party Account Information secure, and for keeping those
passwords and usernames up to date in the Mobile App. Blitz does not review the Third-Party Account Information for accuracy,
legality or non-infringement, and Blitz is not responsible for your Third-Party Account Information or products and services offered
by or on third-party sites. You acknowledge that any Third-Party Account Information that is displayed through the Services will be
the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity.
8. BLITZ’S PERSONAL FINANCIAL MANAGEMENT SERVICES
8.1 Opening a Blitz account
Blitz offers you to open a personal account for sending money to and receiving money from any other verified user. To create your
Blitz Account, we require that you must meet the following:
1. You must be a resident of the United States or one of its territories.
2. You must be at least 18 years old or the age of majority in your state of residence.
3. You must provide us with your first and last name and email address. To access certain additional features, including a Blitz
Account Balance, we will request that you provide additional information to permit us to verify your identity, including: your date of
birth, social security number, and in some cases a form of photo identification.
Using a Blitz account, you can do the following:
8.1.a. Send money to friends
You can send money to a friend using the Send feature in your Blitz account (sometimes called “personal payments” or “peer-to-
peer/P2P payments”). You can send money to a friend, even if they don’t have a Blitz account, using their email address or mobile
number. If the friend does not have a Blitz account, they can claim the payment by verifying their personal information and your
friend can choose to withdraw the money into a verified bank account or bank issued debit card or a pre-paid card or a gift card of
choice. If they don’t claim any money sent within 7 days of the date it is sent, the payment will be canceled and any money (including
any fees you were charged) will be sent back to you. Blitz does not charge any fees to you for sending money.
8.1.b Receive money
You can receive money from your friends in your Blitz account or bank issued debit card or bank account or prepaid cards or via
gift card, subject to the applicable fees mentioned on the Pricing Page. At any point of time money is credited to your Blitz wallet
balance, it will first settle your outstanding dues if any (any subscription fees, late fees, Everdraft™ dues, etc) and the balance amount
will then be credited to your Blitz balance. It is important to note that in order to use Blitz services, you must link your own bank
account. You cannot link an account belonging to your spouse or anyone in the family and friends. If we identify at any time on or after
your Blitz onboarding that the account that you have linked with Blitz does not belong to you, then your Blitz account services
might get stopped or interrupted immediately in violation of the terms. The name on the bank account must match with the name
provided as part of your PII details while signing up for a Blitz account. You might not get refund of the services fee paid already.
Blitz reserves the right to refill the dues in your Blitz account, from your debit card or bank account linked with Blitz account.
8.1.c Move Money out of your Blitz Account
Money in your Blitz account may be transferred out of Blitz by:
Transferring it via standard transfer (ACH) to a bank account linked to your Blitz account for free, or
Buying prepaid card or gift cards for free, or
Transferring it instantly to an eligible verified debit card, subject to the fees applicable to such transfers that can be found on the
Pricing Page.
Bank transfer reviews
We review account and transaction activity at various times, including when bank transfers are initiated. This review checks for,
among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you’ve
transacted comply with this agreement. In connection with our review process, you may be required to provide us with additional
information and/or documentation to verify your identity. We may limit your account and your access to money in it or that is sent to
you until verification is completed.
Bank transfer reviews may result in:
delayed, blocked or canceled transfers;
money or payments being held by us;
money or payments being applied to amounts you owe to us or used to offset loss incurred by us;
account limitation, suspension or termination;
money or payments being seized to comply with a court order, warrant or other legal process; and/or
money or payments you previously received being reversed (i.e., sent back to the sender or to the card or bank account that was
used to fund the payment).
Among other reasons, we may take the above actions if you knowingly or unknowingly were a participant in a payment that was
made from a stolen card, compromised bank account, or compromised Blitz account, or if you were a participant in a transaction
for goods and services between two personal accounts.
BLITZ SHOULD ONLY BE USED TO TRANSACT WITH PEOPLE YOU KNOW AND TRUST. DO NOT USE BLITZ TO TRANSACT WITH
PEOPLE YOU DON’T KNOW. IF YOU USE BLITZ TO CONDUCT SUCH A TRANSACTION AND WE LATER REVERSE THE PAYMENT
(WHICH COULD OCCUR IF IT IS DETERMINED THAT THIS AGREEMENT WAS VIOLATED OR IF THE PAYMENT WAS MADE USING A
COMPROMISED PAYMENT METHOD OR ACCOUNT), YOU COULD LOSE THE MONEY SENT FOR THEM.
8.1.d Manage Money (“Budget”)
If you subscribe to Blitz’s Personal Financial Management Services, you will have access to “Budget”, “Insights”, and transaction
monitoring across all your linked bank accounts. With Budget, we track your income and expenses, and we let you know about
estimated upcoming bills and other expenses. Budget will monitor your linked bank account held at a depository institution (a “Linked
Account”) and generate an automated personalized budget for you along with letting you know when you’re in danger of having
insufficient funds in your Linked Account, helping you avoid overdrafts, returned transactions and bank fees. With Insights Feeds, we
inform you about potential financial pitfalls 72 hours ahead of time, remind you of upcoming bills and subscriptions, exceeding budget limits, intelligent insights on where to spend and save and more.
8.1.e Get Early Access to your Verified Bank Deposits via “Everdraft™” feature
Blitz offers Everdraft™ as part of its personal financial management suite of services. It is one of the many features delivered as part
of the Blitz subscription. Putting money aside for unexpected expenses is important. If you encounter an unexpected expense
(medicine, gas, diapers, grocery, bills, etc) before you have enough money saved up, you can get access to amounts (called Everdraft™
) between $5 to $1,000 to help cover the expense. These funds could be the money from your income, side gigs, refunds,
government benefits etc that you have set aside over time into your linked account/s. This feature has no fee associated with it, no
credit scores or FICO credit checks are performed to deliver this service, using this service will not impact your credit, there is no
interest associated with this service, there are no late fees for this service, there are no finance charges to use this service and there
is no due date when you use this service which means funds delivered as part of this service are not due on Pay Day and being unable
to settle the funds automatically on or before PayDay does not result in any fees or issues. However, just like the funds are not due on
Pay Day, similarly your funds can be settled as soon as fund arrive in your account at any time as Everdraft™ is delivered in lieu of funds
you are entitled to ahead of time for emergencies and when funds arrive into your account it is automatically settled. In other words,
not having a due date works both ways. You might be able to settle the funds at a later time if funds you are entitled to are delayed but
you may settle the funds ahead of time if funds you are entitled to arrive early. This service uses data from one or more accounts that
you link to use Blitz so you can manage your financial life better to deliver funds entitled to you and scheduled to arrive at a later time
net of obligations (each, an “Everdraft™”). If you have subscribed to Blitz's personal financial management services and we detect
that you are likely to have insufficient funds for upcoming transactions in your Linked Account based on your previous account
activity, we will alert you to the possibility of having insufficient funds through the Mobile App, SMS messages and/or email. Eligible
users will be offered the opportunity to receive a free “Everdraft™” to their Linked Account or debit card, if applicable. You may also log
into the Mobile App and request an Everdraft™ at any time. In all cases, you must affirmatively choose to receive or withdraw
Everdraft™. The amount of each Everdraft™ you are eligible for is based on, among other things, whether you have an active account
with transactions that directly relate to funds you are entitled to coming into that account like alimony, govt benefits, income, side gigs,
regular transfers etc along with regular expenses a.k.a obligations. We reserve the right to Everdraft™ amounts and our eligibility
criteria at any time. You are not required to make voluntary payments referred to as 'Tips' or 'Donations' in appreciation of the service
provided.
1. Instant Transfer Fees
You may request that Blitz expedite disbursement of your Everdraft™ using non-standard non-free methods by choosing that
option on your own and may have to pay fees related to the same. There are multiple free disbursement methods available and you
can choose any of them. You are not obliged to choose the non-standard non-free method. While you can generally receive an
Everdraft™ within three (3) business days depending on processing times, if you choose the non-standard option and pay the fee, we
will use a faster delivery method that will deliver the Everdraft™ to you within 8 hours. The fee structure is at Pricing Plans page.
When you request an Everdraft™ and choose the non-standard non-free option to expedite disbursement of the Everdraft™, we will
disclose the amount to you again through the Mobile App before you make your selection. The fee is auto collected with your
Everdraft™.
2. Settling your Everdraft™
Each Everdraft™ is auto-settled as your funds arrive into your account because the Everdraft™ was provided in lieu of funds entitled to
you arriving into your account ahead of time, so when the funds arrive Blitz will detect this and begin the auto-settling process
including partially settling your Everdraft™ over time which means when funds arrive sooner, settlement will occur sooner and when
funds arrive later than anticipated funds will be settled later giving you the ultimate flexibility. We reserve the right to charge your
Linked Account or debit card for Blitz any time after the later of: (1) we see evidence of funds you are entitled to deposit into your
Linked Account or (2) the date selected by you through the Mobile App. However, Blitz warrants that it has no legal or contractual
claim against you based on a failure to repay an Everdraft™, but Blitz will not provide you further Everdraft™s while any amount
remains un-settled under the “Everdraft™” Service. With respect to a failure to settle an Everdraft™, Blitz warrants it will not engage
in any debt collection activities, place the amount owed with or sell to a third party, or report you to a consumer reporting agency.
Blitz does not waive any rights regarding fraudulent activity, and Blitz will pursue instances of fraud. Although Blitz is helping
users avoid financial emergencies, Blitz is not responsible for these emergencies including overdraft fees, over-the-limit fees,
insufficient fund charges, or any other bank fees that result from your failure to maintain a sufficient balance in your Linked Account.
Blitz may reach out to you via phone call, email, sms, app notifications to inform you of what has happened, its impact to you and the
community. Blitz may also help you overcome your situation so you can continue to improve your financial health via the Blitz
subscription. Blitz monitors your balance and will attempt to ensure you have sufficient funds before debiting your account, but
Blitz makes no warranties that an overdraft will not occur. At any point of time money is credited to your Blitz wallet balance, it will
first settle your outstanding dues if any (any subscription fees, late fees, Everdraft dues, etc) and the balance amount will then be
credited to your Blitz balance.
Blitz is not currently licensed by the Department of Financial Protection and Innovation.
If the Department does decide in the future to license Blitz, and/or require Blitz to make modifications to its product agreement,
such developments may have no impact on your obligation under this agreement.
Although Blitz is not licensed by the Department, any consumer is invited to share any comment and concerns about Blitz or its
product and practices with the Department of Financial Protection and Innovation at 1-866-275-2577 (toll-free) or at the following
URL:
https://dfpi.ca.gov/file-a-complaint/
3. Blitz Boost
Blitz offers you Blitz Boost, which are performance milestones based cashboosts and are over and above your qualified
Everdraft™ balance. These Blitz Boost once unlocked get automatically added to your Everdraft™ balance and are available for
withdrawal upto 30 days from the day of unlocking. Blitz Boost availability will vary depending on multiple factors like verified status
of your debit card, linked bank account transaction activities, Income trends, Everdraft™ repayment behavior/pattern etc.
8.1.f Credit Monitoring & Identity Theft Protection
If you subscribe to Blitz’s Pro and Plus plan, you get access to Credit Monitoring and Identity theft protection. With Credit monitoring
feature, you can check your credit scores regularly and get timely alerts on increase and decrease of score from the Bureau. You
can also simulate your credit score and understand what actions can lead to improve your credit and increase credit score. With this
feature, you can also analyze your debt balance to income ratio to avoid getting into a debt trap.
With Identity Theft Protection feature, Blitz keeps tabs on your personal information and ensures it is not compromised like being
used by a fraudster pretending to be you and covers you up to $1Million for issues that arise from it while helping you reestablish your
identity.
8.1.g Pay Subscriptions & Bills to build credit
Blitz is offering a GrowCredit membership as an add-on to all of its subscription plans. The GrowCredit membership offers a Debit
Card powered by Mastercard, which lets you to pay for online subscriptions & bills to build your credit score. The plans offer an annual
credit limit starting from $204 to $1,800. The Debit Card can be used to pay for multiple subscriptions and is not limited to Netflix,
Hulu, AT&T, SiriusXM etc. The entire list of subscriptions & bills can be found here at https://marketing.growcredit.com/#fees. Some
important points to note are listed below:
GrowCredit is NOT a credit repair service and does not remove negative history from your credit profile. Testimonial Disclaimer:
Individual results will vary. Unique experiences and past performance for individuals do not guarantee future results for other
individuals. Testimonials may not be representative of all individuals and certain individuals may have inferior results than indicated in
testimonials.
Access to premium and cell phone plans require one successful on-time statement payment.
In the event your credit score doesn’t improve, Blitz will not be responsible as using the service does NOT guarantee any
improvements.
8.1.h Other Services
Using a Blitz account, you also get access to below services:
1. File Federal and State taxes - With this feature, you can file individual tax returns for both Federal and State on the Mobile App and
website and track the status of the refunds, tax owed and make payment to IRS. You can file for any tax situation (W-2, 1099, single or
joint status, all combinations supported apart from multi-state filing). This feature currently is free of cost and there is no subscription
required.
2. Send or use Gift cards - Using a Blitz account, you can send a gift card for free to your friends and loved ones.
3. Get Cheaper Insurance Quotes - You get free access to insurance quotes to choose from and then buy or renew your auto
insurance with the insurance provider at actual cost.
4. Get Personalized Personal Loan & Savings Accounts Offers - You get access to personalized loan & savings account offers from
lenders marketplace, where you can compare multiple loan and saving products, interest rates and terms.
5. Get Affordable health solutions for individuals and families - You get to compare affordable health insurance offers basis your
needs.
8.1.i Blitz Drive Program
Blitz Drive is a telematics based service which uses telematics SDK to evaluate your driving behavior and provide you with
insurance offers based on the same.
Relevant data privacy and security terms as may be applicable under Applicable Law. Features of the Blitz Drive Program are listed
below:
Location Information and Driving Event Features:
Certain features of the Blitz Drive Service are designed to collect and share location information about you and other individuals
who use the service, and to detect and monitor driving behaviors. In order to access and use these features, the Service collects
location, sensory and motion data from your mobile device in order to share location information, calculate and detect driving
behavior and driving events (such as speeding, hard braking, distracted driving, collisions, precise location history and movements of
a motor vehicle), provide compiled reports, and otherwise provide or facilitate the features and functionality of the Service. This data
is collected when you are in a moving vehicle, even if you are not the driver. If you do not have permission from the driver to collect
this information, please be sure to deactivate the location services, driver behavior and reporting and crash detection features. By
using the location services, driver behavior and detection features in a motor vehicle, you represent and warrant that you are the
driver, or that you have the consent of the driver, for Company to collect and use location, movement and driving behavior
information from your device to provide the Services, and for other purposes as described in our Privacy Policy.
The data collected shall be shared with our third party partners and with certain insurance companies to provide insurance offers for
you. You may choose to accept or decline to pay for these offers. By purchasing insurance through offers on Blitz Drive, you
consent to the insurer's Terms & Conditions and Privacy Policy. Blitz owes no obligation to compensate you for an insurance offer in
case of any post- purchase issues with the insurance firm you choose to accept the offer from.
If you enroll in Blitz Drive and then you want to leave the program, Blitz and third parties will store your driving data for the
foreseeable future to make sure we can provide you with the full service in the event you decide to enroll back into the program.
In the event of a crash while using Blitz Drive, Blitz will not be responsible for your damages. We encourage you to not use your
phone and focus on the road while driving.
8.2 Link or Unlink a Payment Method
You can link or unlink certain payment methods such as a debit card or a U.S. bank account to your Blitz account. Please keep your
payment method information current (e.g. debit card number and expiration date). If at any time, the debit card has expired or bank
account has closed or deactivated, you must update the information in your Blitz account to continue availing the services. It is
important to note that in order to use Blitz services, you must link your own bank account. You cannot link an account belonging to
your spouse or anyone in the family and friends. If we identify at any time on or after your Blitz onboarding that the account that you
have linked with Blitz does not belong to you, then your Blitz account services might get stopped or interrupted immediately in
violation of the terms. The name on the bank account must match with the name provided as part of your PII details while signing up
for a Blitz account. You might not get refund of the services fee paid already. Blitz reserves the right to refill the dues in your Blitz
account, from your debit card or bank account linked with Blitz account.
8.3. Fees and Payment Limits
1. We may, at our discretion, impose limits on the amount and/or the number of payments and transfers you can add, send and
receive. You can view the limits on our Payment Limits page.
2. The fees applicable to adding, sending, receiving and moving money can be found on the Pricing Page. In order to manage risk, we
may limit the payment methods available when you make a payment. Fees and limits may change from time to time in our sole
discretion.
8.4. Subscription Fee
Blitz tries to help as many people as possible but may not be able to help everyone. After Blitz has determined if it can help you, it
will present available plans to you. Blitz has a freemium model with paid plans starting as low as $2.47/month (“Subscription”) to
maintain a connection to your external bank account through third-party services, to access our account monitoring and notification
services and the Personal Financial Management Services. Blitz deducts the Subscription from your Linked Account or a linked
debit card. The fee will be charged regardless of the status of your connection. If you are experiencing connectivity issues, please try
to update your connected bank’s log-in credentials. If the Membership charge fails or the subscription dues are not paid on time, by
agreeing to these terms, you authorize Blitz to process any failed or missed Subscription charges together with the following
month's Subscription which will be debited irrespective of the balance in your Linked Bank Account or Debit Card. Should all attempts
fail, Blitz reserves the right to charge the fee from another one of your connected bank accounts or debit card. You will be billed for
your first Subscription on a monthly basis and always upfront. To help you keep your Blitz services in active status and avoid late
fees, your subscription for the immediate future month is collected in advance as soon as we detect funds in your account. This will
also protect you from incurring late fees of $5 every month for every missed subscription, capped to $15 in aggregate late fees. You
may choose to either cancel pause your subscription through the website or notify us by email at [email protected] if you do
not want to renew your subscription. Your subscription would be canceled once all the outstanding dues are settled. The detailed fee
structure and benefits under each plan, including the free services, are mentioned in the Pricing Page on our website.
Canceling Your Monthly Subscription
1. What happens when you cancel: Cancelling your subscription stops it from automatically renewing at the end of your current billing
cycle.
2. Using Everdraft after cancellation: You can still withdraw Everdraft funds until your current subscription expires or renews.
However, if you withdraw Everdraft after canceling but before the expiry/renewal date, your subscription will automatically renew.
Canceling Your Annual Subscription
1. What happens when you cancel: Cancelling your subscription stops it from automatically renewing at the end of your current year.
2. Impact on Everdraft amount: Canceling might reduce the amount of Everdraft you're eligible for. We'll notify you of the new qualified
amount.
The Credit Monitoring and Identity Protect services available under the Pro and Plus plans get activated once the subscriber starts
accessing the services on the Mobile App. However, if the subscriber stops accessing the services on the Mobile App, these services
are auto-turned off on non-usage and get auto-activated again when the subscriber starts accessing the service. In order to enjoy
the services by Blitz, you need to have an active subscription and to help us provide continuous services, you should not turn off
your debit card linked with the Blitz account. Disabling debit transactions on your Blitz account linked debit card is considered a
breach of the terms and conditions you have entered into with us. Consequently, your Blitz services might get impacted and you
might experience delays in accessing the services on the Mobile App.
8.4.1 Add-on Subscriptions & Services
8.4.1 (a) GrowCredit Membership
The GrowCredit membership has 2 types of plans, one which requires a security deposit and one which doesn’t. Within each type of
plan, there are 3 sub tiers offering different benefits and features. GrowCredit determines the plan eligibility of the user depending on
their internal policy. The GrowCredit membership which is free for the 1st year and doesn’t require a security deposit is made
available to all Blitz subscribers as a bundled service. The other plans are optional to select from. The paid plans start at
$2.99/month and go up to $9.99/month. Upon selecting a paid membership, the fee needs to be paid monthly. Pricing details of each
plan and their benefits can be found on their pricing page at https://blitzmoney.co/pricing.
The GrowCredit support team can be contacted at [email protected] and their services are governed by their
Terms of
Use
8.5 Late Fees for non-payment of active subscription
Our intention is not to charge any late fees to access Blitz’s services. Blitz will assume you will need the services you have
subscribed to, in order to keep the services on. If there is a delay in payment of subscription fees only, then we would be incurring
cost, which is why you may incur a late fee. A late fee is applicable for active users whenever the subscription is not paid within 7 days
after the end of the current subscription cycle i.e. calendar month. A late fee of $5 is billed for every missed subscription and it
accumulates to $15 in the next 3 months if the subscription is still unpaid. In case of a financial hardship, the user can apply for a late
fee waiver from the Mobile App, which will be evaluated for consideration.
8.6 Account Statement
You have the right to view all transaction history showing your Blitz account activity. You may view the transactions in your Blitz
account by tapping on “Your transactions” section on the homepage of your Mobile App.
8.7 Closing a Blitz Account
You may close your account and terminate your relationship with us without cost, but you must clear all amounts or fees due to us,
including subscription fees. Any incomplete transactions or transfers must be completed or canceled. In case you have an active
Everdraft in your account, you must settle the amount due, before cancelling the subscription or deactivating the account. In certain
cases, you may not close your Blitz account, including:
a. To evade an investigation
b. If you have a pending transaction or an open dispute or claim.
c. If you owe amounts to us.
d. If your Blitz account is subject to a hold, limitation or reserve.
Once all dues are cleared, you can choose to cancel the subscription from our website and then deactivate the account, which can be
done from the blitzmoney.co website as well.
9. REFUNDS
Fees provide for non-standard non-free options such as instant disbursement, additional fees for subscription payment delays and
the Subscription Fee are non-refundable. However, Blitz at its discretion and based on request for financial hardship waiver
provided by customer, may choose to waive one or more of these fees.
10. CREDIT AND DEBIT AUTHORIZATION
If you enroll in the Personal Financial Management Services, you authorize Blitz to electronically debit your Payment Method for the
Subscription Fee once each month. As applicable, you also authorize Blitz to electronically debit and credit your Payment Method to
correct erroneous debits and credits or to verify if this is a valid instrument that belongs to you. You have the right to receive notice of
any debit for the Subscription Fee that would vary in amount from a previous Subscription Fee, but you agree that we only need to
notify you in advance under these circumstances. (Our policy is that no single debit will exceed the amount shown to you and agreed
by you, so we expect not to provide you with advance notice of each ongoing debit from your Payment Method).You acknowledge
that, as applicable, the electronic authorization contained in this Section represents your written authorization for automated
clearinghouse (“ACH”) and debit card transactions as provided herein and will remain in full force and effect until you notify Blitz that
you wish to revoke this authorization by emailing [email protected]. You must notify Blitz at least three (3) business days
before the scheduled debit date in order to cancel this authorization. When you call or email, please include the name and telephone
number associated with your Mobile App user account. Failure to provide correct and complete information may make it impossible
for Blitz to stop withdrawal of the preauthorized transaction. You agree to indemnify and hold Blitz harmless from and against any
loss incurred as a result of its withdrawal of a pre authorized debit transaction from your Payment Method if any of the information
relied upon in your request to stop payment is incorrect or incomplete. This policy applies only to accounts with no outstanding dues.
For accounts with outstanding Everdrafts, you can request for temporarily pausing ACH payment processing by providing a valid
reason. However, the ability to pause ACH auto-debits temporarily is limited. Each account is allowed to temporarily pause automatic
ACH payment processing three times. During the pause period, you will still be billed for your monthly subscription so as to access
other services included in your plan. You warrant and represent to Blitz that you have the right to authorize us to charge and credit
your Payment Method for payments due to us under this Agreement. If you have a joint Linked Account, you represent and warrant
that you have the authority to (a) bind the absent account holder; and (b) enter into this Agreement independently. You agree to
indemnify and hold Blitz harmless from any claims by any other owner of the Linked Account. You represent that you are capable of
saving or otherwise storing a copy of this electronic authorization for your records, and the credit and debit transactions you request
comply with applicable law. See Sections below for more information about your rights associated with electronic funds transfers.
11. CONSENT TO ELECTRONIC COMMUNICATIONS AND DOING BUSINESS ELECTRONICALLY
11.1 Communications to Be Provided in Electronic Form
By choosing to use the Mobile App or the Services, you will receive from time-to-time disclosures, notices, documents, and any other
communications about our Services, the Mobile App, or Blitzs from Blitz (“Communications”). We can only give you the benefits of
our Services by conducting business through the Internet, and therefore we need you to consent to receiving Communications
electronically. This section informs you of your rights when receiving electronic Communications from us. We may discontinue
electronic provision of Communications at any time at our sole discretion.
11.2 Communications in Writing
By accepting this Agreement, you agree that electronic Communications shall be considered “in writing” and have the same meaning
and effect as if provided in paper form, unless you have withdrawn your consent to receive Communications electronically as stated
below. You agree that we have no obligation to provide you Communications in paper format, although we reserve the right to do so
at any time.
11.3 Minimum Requirements
You understand that, in order to view and/or retain copies of the electronic Communications, you will need either:
A computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or
Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); or
A mobile device that meets the requirements described in Section 4.
You will also need a valid email address, sufficient storage space to save Communications or the capability to print the
Communications from the device on which you view them.
11.4 Withdrawing Consent
You may withdraw your consent to receive Communications electronically by contacting us at [email protected]. If you
withdraw your consent, we reserve the right to limit or close your Blitz Account. If you withdraw your consent, the legal validity and
enforceability of prior Communications delivered in electronic form will not be affected. You agree to pay any amount owed to Blitz
such as Subscription Fees or Instant Transfer Fees even if you withdraw your consent and we close or limit access to the Mobile App
and/or the Services.
11.5 Updating Records
As noted above, you can update your User Information in the Mobile App or by emailing us at [email protected].
12. BLITZ ALONG - Blitz Community Funds
12.1 Contributors
All contributions made via Blitz’s upcoming BLITZ ALONG program are at your own risk. When you make a contribution through
Blitz, it is your responsibility to understand how your money will be used. Blitz is not responsible for any offers, promises, rewards
or promotions made or offered by our users; such conduct violates these Terms of Service. We do not and cannot verify the
information that Users supply, nor do we represent or guarantee that the contributions will be used in accordance with any
fundraising purpose prescribed by a User or in accordance with applicable laws. Notwithstanding the foregoing, we take possible
fraudulent activity and the misuse of funds raised very seriously. If you have reason to believe that a User or Fundraiser is not raising
or using the funds for their stated purpose, please use the “Flag” button on the BLITZ ALONG page. You may report it to
[email protected]. Blitz makes no representation as to whether all or any portion of your contributions, including, if any, fees,
are tax deductible or eligible for tax credits. Blitz will have no liability for any claim by any federal, state, provincial, territorial, local or
any other tax authority with respect to the characterization on any applicable tax return of any contribution by you. You should
consult your tax advisor to determine if any amount of your contribution is tax deductible or eligible for tax recognition, having regard
to (among other things) the tax status of the recipient of any contribution in any relevant jurisdiction. Your Registration Obligations:
You may be required to register with Blitz in order to access and use certain features and services. If you choose to register, you
agree to provide and maintain true, accurate, current and complete information about yourself. Organizers must register using their
true identities including their name, address and any image or video purporting to depict their goal. You agree to keep registration
information current and up to date. In order to contribute, a Contributor will be required to provide Blitz information regarding the
Contributor’s credit card or other payment instrument (“Payment Instrument”). You, as a Contributor, represent and warrant to
Blitz that such information is true, current and accurate and that you are authorized to use the applicable Payment Instrument. You
agree that a certain minimum contribution amount may apply, and that all contributions are final and will not be refunded unless
Blitz, in its sole discretion, agrees to issue a refund, for example in accordance with its Refund Policy. Blitz uses third-party
payment processing partners to bill you through your Payment Instrument for any contributions made, and contributors
acknowledge that by contributing to a Community Goal, you agree to the processing, use, transfer or disclosure of data by the
Payment Processors pursuant to these Terms of Service as well as any and all applicable terms set forth by our payment partners.
12.2 Privacy
By making a contribution, you acknowledge that some of your activity and information may be public, such as your name and amount
of contribution. In addition, Blitz will use, and store your profile information and any other information you enter in connection with
your contribution. Please see our Privacy Policy for more information on how we use, and store certain information on your use of
our services.
13. SECTION RESERVED
14. SMS MESSAGING AND TELEPHONE CALLS
You consent to receive SMS messages (including text messages), and telephone calls (including prerecorded and artificial voice and
autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided
to us, with service-related information such as alerts, or questions about your use of the Services and/or Mobile App. You certify,
warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You
represent that you are permitted to receive calls and text messages at the telephone number you have provided to us. By providing
us with a mobile number, either when you sign up for an Account or update the contact information associated with your Account,
you consent to receiving text (SMS) messages and push notifications from us. Such communications may include, but are not limited
to requests for secondary authentication, receipts, reminders, notifications regarding updates to your account or account support,
and marketing or promotional communications. You acknowledge that you are not required to consent to receive promotional texts
or calls as a condition of using the Services. You agree to promptly alert us whenever you stop using a telephone number. Blitz and
our agents, representatives, affiliates and anyone calling on our behalf may use such means of communication described in this
section even if you will incur costs to receive such phone messages, text messages, emails or other means. Standard message and
data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services
from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without
liability to you.
When you register with Blitz, by default you OPT IN for receiving SMS. You can OPT OUT of the SMS service at any time. Just text
"STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have
been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the
first time and we will start sending SMS messages to you again.
15. LIMITATIONS OF USE
You agree to use the Mobile App, blitzmoney.co and Services only for lawful purposes. You are prohibited from any use of the
Services or Mobile App that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Mobile App or Services, including but not limited to unauthorized entry into Blitz’s systems, misuse of passwords, or misuse of any
information posted on the Mobile App, blitzmoney.co or through the Services is strictly prohibited. Blitz makes no claims concerning
whether use of the Mobile App, blitzmoney.co or Services is appropriate outside of the United States. If you access the Mobile App,
blitzmoney.co or the Services from outside of the United States, you are solely responsible for ensuring compliance with the laws of
your specific jurisdiction. You agree you will not 1) try to reverse engineer, disassemble, decompile, or decipher the Mobile App,
blitzmoney.co or the Services or software making up the Mobile App, blitzmoney.co and Services, 2) navigate or search the Mobile
App, blitzmoney.co or Services with any tool, software, agent, engine or other means (including bots, avatars, intelligent agents, or
spiders), 3) use a means other than Blitz’s provided interface to access the Mobile App, blitzmoney.co or the Services, 4) use the
Mobile App, blitzmoney.co or the Services in a way that could impair, overburden, damage, or disable any portion of the Mobile App,
blitzmoney.co or Services, or 5) mirror any material contained on the Mobile App, blitzmoney.co or the Services. Blitz reserves the
right to take various actions against you if we believe you have engaged in activities restricted by this Agreement or by laws or
regulations, and Blitze also reserves the right to take action to protect Blitz, other users, and other third parties from any liability,
fees, fines, or penalties. We make take actions including, but not limited to: 1) updating information you have provided to us so that it is accurate, 2) limiting or completely closing your access to the Mobile App, blitzmoney.co or the Services, 3) suspending or terminating your ability to use the Mobile App, blitzmoney.co or the Services on an ongoing basis, 4) taking legal action against you (note, as described in Section 8.1.e (2) Blitz will not take action against you for failure to settle an Everdraft™, 5) holding you liable for the amount of Blitz’s damages caused by your violation of this Agreement.
16. INTELLECTUAL PROPERTY RIGHTS
The Mobile App, blitzmoney.co and the Services are owned and operated by Line Financial, PBC. All content, visual interfaces,
information, graphics, design, compilation, computer code, products, software, services, text, data, contents, names, trade names,
trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays,
sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever and the selection and arrangement thereof (collectively, the “Blitz Materials”) are owned exclusively by Blitz
or the licensors or suppliers of Blitz and are protected by U.S. copyright, trade dress, patent, and trademark laws, international
conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. Nothing on this blitzmoney.co ,
Mobile App or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of
the Blitz Materials displayed on the Mobile App, blitzmoney.co or the Services, without our prior written permission in each instance.
You may not use, copy, display, distribute, modify or reproduce any of Blitz Materials found on the Mobile App, blitzmoney.co or the
Services unless in accordance with written authorization by us. Blitz prohibits use of any of the Blitz Materials as part of a link to or
from the Mobile App, blitzmoney.co or the Services unless establishment of such a link is approved in writing by us in advance. Any
questions concerning any Blitz Materials, or whether any mark or logo is a Blitz Material, should be referred to Blitz. All rights
related to the Blitz Materials are hereby reserved. You agree that the Blitz Materials may not be copied, reproduced, distributed,
republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical,
photocopying, recording, or otherwise, without the express prior written consent of Blitz. You acknowledge that the Blitz Materials
are and shall remain the property of Blitz. You may not modify, participate in the sale or transfer of, or create derivative works based
on any Blitz Materials, in whole or in part.
17. TERMINATION
Blitz may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Mobile App,
blitzmoney.co or the Services at any time, with or without cause, in Blitz’s absolute discretion and without notice. The following
provisions of this Agreement shall survive termination of your use or access to the Mobile App, blitzmoney.co or the Services: the
sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Dispute Resolution by Binding Arbitration,
and General Provisions, and any other provision that by its terms survives termination of your use or access to the Mobile App,
blitzmoney.co or the Services. Blitze further reserves the right to modify or discontinue, either temporarily or permanently, any
portions or all of the Mobile App, blitzmoney.co or Services at any time with or without notice.
18. DISCLAIMER OF WARRANTIES
THE MOBILE APP, blitzmoney.co AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST
EXTENT PERMITTED BY LAW, BLITZ AND ALL OF ITS SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS,
STOCKHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES AND ATTORNEYS AND THEIR RESPECTIVE HEIRS,
SUCCESSORS, ASSIGNS, LICENSORS AND SUPPLIERS INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS
(COLLECTIVELY, THE “BLITZ PARTIES”) EXPRESSLY MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS,
STATUTORY, OR IMPLIED AS TO THE CONTENT OR OPERATION OF THE MOBILE APP, blitzmoney.co OR THE SERVICES. YOU
EXPRESSLY AGREE THAT YOUR USE OF THE MOBILE APP, blitzmoney.co OR THE SERVICES IS AT YOUR SOLE RISK. IF YOU ARE A
CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES
NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER
FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS
OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”THE BLITZ PARTIES MAKE NO REPRESENTATIONS, WARRANTIES
OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, ADEQUACY, TIMELINESS, RELIABILITY, COMPLETENESS, OR
USEFULNESS OF ANY OF THE INFORMATION OR CONTENT ON THE MOBILE APP, blitzmoney.co, OR THE SERVICES, AND EXPRESSLY
DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. THE
BLITZ PARTIES MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE MOBILE APP, blitzmoney.co OR SERVICES ARE
FREE OF VIRUSES, BUGS, DEFECTS, ERRORS, OR OTHER COMPUTING ROUTINES THAT CONTAIN DAMAGING OR OTHERWISE
CONTAMINATING PROPERTIES, OR PROGRAMS INTENDED TO INTERCEPT OR STEAL PERSONAL OR SYSTEM DATA. Please note, the
ability to exclude warranties varies in different jurisdictions. To the extent that a jurisdiction places limits on the ability for a party to
exclude warranties, these exclusions exist to the extent permitted by law. Because of this jurisdictional variance, some of the above
exclusions may not apply to you.
19. NO LEGAL TAX OR FINANCIAL ADVICE; ALERTS
BLITZ DOES NOT INTEND TO PROVIDE YOU WITH ANY LEGAL, TAX, OR FINANCIAL ADVICE THROUGH THE MOBILE APP,
blitzmoney.co OR THE SERVICES. BLITZ IS NOT A LAWYER, TAX ADVISOR, BROKER, OR FINANCIAL PLANNER. BLITZ ENCOURAGES
YOU TO CONSIDER CONSULTING AN ACCOUNTANT OR OTHER FINANCIAL ADVISOR AWARE OF YOUR INDIVIDUAL
CIRCUMSTANCES BEFORE IMPLEMENTING ANY FINANCIAL STRATEGY OR MAKING OTHER FINANCIAL DECISION. BLITZ WILL MAKE
REASONABLE EFFORTS TO PROVIDE TIMELY AND ACCURATE ALERTS TO YOU, BUT YOU ACKNOWLEDGE AND UNDERSTAND THAT
ALERTS MAY BE DELAYED OR PREVENTED FOR VARIOUS REASONS. BLITZ DOES NOT GUARANTEE THE DELIVERY, ACCURACY, OR
TIMELINESS OF ALERTS. FURTHER, BLITZ IS NOT LIABLE FOR ANY ERRORS IN THE DELIVERY OR CONTENT OF AN ALERT, AND BLITZ
IS NOT LIABLE FOR ACTIONS YOU TAKE, OR DO NOT TAKE, IN RELIANCE ON ALERTS. BLITZ IS NOT LIABLE FOR ANY THIRD PARTY
RELIANCE ON ALERTS.
20. LIMITATION OF LIABILITY
THE BLITZ PARTIES WILL NOT BE RESPONSIBLE, UNDER ANY CIRCUMSTANCES, TO YOU OR ANY THIRD PARTY FOR ANY DIRECT,
INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES, INCLUDING DAMAGES
UNDER WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR ANY OTHER CLAIMS, ARISING OUT OF OR RELATING TO YOUR USE OF THE
MOBILE APP, blitzmoney.co OR THE SERVICES, THE BLITZ MATERIALS, OR ANY CONTENT OR OTHER MATERIALS ON OR ACCESSED
THROUGH THE MOBILE APP, blitzmoney.co OR THE SERVICES, EVEN IF BLITZ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. THE BLITZ PARTIES WILL ALSO NOT BE LIABLE TO YOU FOR ANY USE OF INFORMATION, DATA, OR OTHER MATERIAL
TRANSMITTED VIA THE MOBILE APP, blitzmoney.co OR THE SERVICES, OR FOR ANY ERRORS, DEFECTS, INTERRUPTIONS,
DELETIONS, OR LOSSES RESULTING FROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART
FROM YOUR ACCESS TO, OR USE OF, THE MOBILE APP, blitzmoney.co OR THE SERVICES. IN NO EVENT WILL THE BLITZPARTIES’
TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED USD $1,000 (ONE THOUSAND UNITED
STATES DOLLARS). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR
EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET
FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE MOBILE APP, blitzmoney.co OR THE
SERVICES OR WITH THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR SERVICES.
21. INDEMNIFICATION
To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Blitz Parties from and against any and
all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to,
use of or alleged use of the Mobile App, blitzmoney.co or the Services; (ii) your violation of this Agreement or any representation,
warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including
without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues
between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any
matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. You shall
cooperate as fully as reasonably required in the defense of any such claim. Blitz reserves the right, at its own expense, to assume
the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior
written consent of Blitz.
22. DISPUTE RESOLUTION BY BINDING ARBITRATION
YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE
BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN SECTION 24.3
BELOW.
22.1 Election to Arbitrate. You and Blitz agree that the sole and exclusive forum and remedy for resolution of a Claim be final and
binding arbitration pursuant to this Section 26 (the “Arbitration Provision”), unless you opt out as provided in Section 24.3 below. As
used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or
persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this
Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, including (except to the extent
provided otherwise in the last sentence of Section 24.8 below) the validity or enforceability of this Arbitration Provision, any part
thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or
otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims,
counter‐claims, cross-claims, third-party claims, or otherwise. Please note that you may continue to assert Claims in small claims
court, if your Claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-
representative) basis. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.
22.2 Applicability of the Federal Arbitration Act; Arbitrator’s Powers. This Arbitration Provision is made pursuant to a transaction
involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act (the “FAA”). The arbitrator
will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other
types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator
will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably
protect confidential information.
22.3 Opt-Out of Arbitration Provision. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out
notice to [email protected], within 60 days of the date of your electronic acceptance of the terms of this Agreement. The opt out
notice must clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name,
address, and social security number; and be signed by you. You may send an opt-out notice in any manner you see fit as long as it is
received at the specified address within the specified time. No other methods can be used to opt out of this Arbitration Provision. If
the opt out notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the
opt out notice on your behalf.
22.4 Informal Dispute Resolution. If a Claim arises, our goal is to learn about and address your concerns and, if we are unable to do so
to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. You agree that before filing
any claim in arbitration, you may submit Claims by sending an email to [email protected] at any time.
22.5 Arbitration Procedures. The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or
Judicial Alternatives and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and the location of the
arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules
conflict with this Arbitration Provision or any countervailing law. If you have any questions concerning the AAA or would like to obtain
a copy of the AAA arbitration rules, you may call 1(800) 778-7879 or visit the AAA's web site at: http://www.adr.org . If you have any
questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 or visit their
web site at: http://www.jamsadr.com . In the case of a conflict between the rules and policies of the administrator and this Arbitration
Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the
rules and policies of the administrator apply. The arbitration will be held in the United States county where you live or work, or any
other location we agree to.
22.6 Arbitration Fees. If we elect arbitration, we shall pay all the administrator's filing costs and administrative fees (other than hearing
fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of
the administrator selected, or in accordance with countervailing law if contrary to the administrator's rules. We shall pay the
administrator's hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party
requesting the hearing, unless the administrator's rules or applicable law require otherwise, or you request that we pay them and we
agree to do so. Each party shall bear the expense of its own attorneys' fees, except as otherwise provided by law. If a statute gives you
the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary
herein.
22.7 Appeals. Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a three-
arbitrator panel selected according to the rules of the arbitrator administrator. In the event of such an appeal, any opposing party
may cross-appeal within 30 days after notice of the appeal. The panel will reconsider de novo all aspects of the initial award that are
appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrator's rules, in the same
way as the initial arbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel award on
appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act (“FAA”), and may be entered as a
judgment in any court of competent jurisdiction.
22.8 No Class Actions. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS
PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE
ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR
COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join,
consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same
arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an
award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in
arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of
anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No
administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this Section 26.8, and any attempt to
do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this
Section 25.8 shall be determined exclusively by a court and not by the administrator or any arbitrator.
22.9 Survival and Severability of Arbitration Provision. This Arbitration Provision shall survive the termination of this Agreement. If any
portion of this Arbitration Provision other than Section 24.10 is deemed invalid or unenforceable, the remaining portions of this
Arbitration Provision shall nevertheless remain valid and in force. If there is a final judicial determination that applicable law precludes
enforcement of this Arbitration Provision’s limitations as to a particular claim for relief or particular term, then that claim (and only
that claim) or that term (and only that term) must be severed from the Arbitration Provision and may be brought in court. If an
arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in Section 24.8 are finally
adjudicated pursuant to the last sentence of Section 24.8 to be unenforceable, then no arbitration shall be had. In no event shall any
invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration
Provision.
22.10 Judicial Forum for Claims. Except as otherwise required by applicable law, in the event that this Arbitration Provision is found
not to apply to you or your Claim, you and Blitz agree that any judicial proceeding (other than small claims actions) will be brought in
the federal or state courts of Los Angeles County, California. Both you and Blitz consent to venue and personal jurisdiction there. We
both agree to waive our right to a jury trial.
22.11 WAIVER OF RIGHT TO LITIGATE. THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A
COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS
ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN
A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.
23. GOVERNING LAW AND VENUE
Except for Section 22 which is governed by the FAA, this Agreement and all Claims are governed by the laws of the State of California,
without regard to conflict-of-law rules.
24. ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT
The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds
and other electronic transfers. There may be limitations on your Linked Account or debit card that restrict your ability to make
electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your Linked Account or debit card.
The disclosures in this Section 24 apply to all Services described in this Agreement.
24.1 Definitions.
Electronic Fund Transfer : Any transfer of funds that is initiated through an electronic device or computer to instruct us to debit or
credit a Linked Account or debit card. Electronic Fund Transfers include such electronic transactions transfers initiated via telephone
or the Mobile App.
Preauthorized Electronic Fund Transfer : An Electronic Fund Transfer that you have authorized in advance to recur at substantially
regular intervals; for example, withdrawal of funds out of your Linked Account to pay the Subscription Fee.
Unauthorized Electronic Fund Transfer is an Electronic Fund Transfer initiated by a person other than you who does not have actual,
implied, or apparent authority to initiate the transfer, and from which you do not benefit. If you give access to your Mobile App user
account to another person, all payments by that person are authorized unless and until you notify us that payments by that person
are no longer authorized.
24.2 Your Liability.
Authorized Transfers : You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly.
Unauthorized Transfers : Tell us at once if you believe your Mobile App Login ID or password has been lost or stolen or if your Mobile
App user account has been, or may have been, subject to Unauthorized Electronic Fund Transfers. Contact us immediately to keep
your possible losses to a minimum. You could lose all the money in your Linked Account(s).
If you tell us within four (4) business days after learning of the loss or theft of your Mobile App Login ID or password or after learning of
any other Unauthorized Electronic Fund Transfers associated with your Mobile App user account, you can lose no more than $50.
However, if you DO NOT tell us within four (4) business days after learning of the loss, theft or unauthorized use associated with your
Mobile App user account, and we can establish that we could have prevented the Unauthorized Electronic Fund Transfer(s) if you had
told us in time, you could lose as much as $500.
If your periodic account statement issued by your bank or financial institution shows Unauthorized Electronic Fund Transfers and you
DO NOT tell us within ninety (90) days after the statement was delivered to you, you may not get back any money you lose after the
ninety (90) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an
extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or
stolen Mobile App Login ID or password or of any other suspected Unauthorized Electronic Fund Transfers(s), the time periods
specified in this Section 24.2 may be extended for a reasonable period.
24.3 Business Days. For purposes of this Section 28, Blitz business days are Monday through Friday. Holidays are not included.
24.4 Types of Transfers; Limitations. You may use the Services to request and receive Everdraft™s to your Linked Account or debit
card, to repay such Everdraft™s in the amounts and on the days you request, to pay voluntary tips to Blitz, and to pay the monthly
Subscription Fee. Any limitations regarding Everdraft amount, tip amount or Subscription Fee amount will be displayed to you
through the Services. Through the Mobile App you may also authorize recurring preauthorized Electronic Fund Transfers from your
Linked Account to pay for the Subscription Fee. See Section 11 for more information about stopping payment of preauthorized
Electronic Fund Transfers.
Transfers between your Linked Account and Blitz, as well as payments made to third parties through the Send a Check service, are
governed by the Blitz Deposit Account Agreement, available here. Please refer to that agreement for information concerning any
limitations that may apply to these transfers and payments.
24.5 Fees. Blitz charges no fees to access an Everdraft™. However, you may choose to pay an Instant Transfer Fee to expedite an
Everdraft™ as set forth in Section 8.1.e (1)
24.6 Documentation. Your Everdraft™ and payment history can be viewed within the Mobile App by navigating to the “Your
Transactions” section on the homepage depending on the type of transactions you seek to view. You are responsible for reviewing
payment history and transaction history, if applicable, and maintaining copies for your records.
24.7 Our Liability. See Sections 21 and 23 above. If Blitz does not debit or credit your Linked Account or debit card in accordance with
these Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
If, through no fault of ours, you do not have enough money in your Linked Account or debit card to make a payment.
If the Linked Account or debit card you specify as the payment source is closed or does not contain sufficient funds to complete the
payment or the charge is rejected or returned by your bank or financial institution.
If the Services were not working properly and you knew about the problems when you started your payment.
If we cannot complete a payment due to fraud or attacks on our systems or the Services.
If circumstances beyond our control (such as fire or flood) prevent a payment, despite reasonable precautions we have taken.
There may be other exceptions stated in our Agreement with you.
24.8 Confidentiality Related to Electronic Fund Transfers. We will disclose information to third parties about the Electronic Fund
Transfers you make through the Services:
Where it is necessary for completing the Electronic Fund Transfers; or,
In order to comply with government agency or court orders; or,
If you give us written permission; or,
As otherwise provided in our Privacy Policy.
24.9 Error Resolution
In case of errors or questions about your Electronic Fund Transfers, telephone us at +1 (442)-233-3232 or email us at
[email protected]. If you think your Linked Account statement, receipt, or payment history within the Mobile App are wrong, or
if you need more information about a transfer listed on the statement, receipt, or within the Mobile App, contact us as soon as you
can. We must hear from you no later than 90 days after the statement or receipt was delivered to you. In your notification to us, you
must:
Tell us your name and phone number associated with your Mobile App user account.
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you
need more information.
Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If
we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will
credit your Linked Account within 10 business days for the amount you think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not
receive it within 10 business days, we may not credit your account.
For errors involving new Mobile App user accounts, we may take up to 90 days to investigate your complaint or question. For new
Mobile App user accounts, we may take up to 20 business days to credit your Linked Account for the amount you think is in error. We
will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send
you a written explanation. You may ask for copies of the documents that we used in our investigation.
ALL QUESTIONS ABOUT TRANSACTIONS MADE THROUGH THE BLITZ SERVICES MUST BE DIRECTED TO BLITZ, AND NOT TO THE
BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR LINKED ACCOUNT. We are responsible for the Services and for
resolving any errors in transactions made in conjunction with such Services.
We will not send you a periodic statement listing transactions that you make through the Services. The transactions will appear only
on the statement issued by your bank or other financial institution. SAVE THE RECEIPTS YOU ARE PROVIDED WHEN YOU USE THE
SERVICES, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM YOUR BANK OR OTHER FINANCIAL
INSTITUTION. If you have any questions about one of these transactions, call or write us at the telephone number and address
indicated below:
+1 (442)-233-3232 Line Financial, PBC. 44 Montgomery St, San Francisco, CA 94104 Email: [email protected]
IF YOUR MOBILE APP LOGIN ID OR PASSWORD IS LOST OR STOLEN, NOTIFY US AT ONCE by calling or writing to us at the telephone
number or address listed above.
25. SEVERABILITY
If any provision of this Agreement is found to be invalid, unlawful, void, or unenforceable by either an arbitrator or a court of
competent jurisdiction, this Agreement’s remaining provisions shall be enforced to the fullest extent possible, and the remaining
provisions of the Agreement shall remain in full force and effect.
26. WAIVER
You agree that if Blitz does not enforce any of its legal rights or remedies under this Agreement, or other legal rights or remedies
Blitz has under applicable laws, this shall not be construed as a formal waiver of those rights or remedies or any other rights in any
way whatsoever.
27. GENERAL PROVISIONS
This Agreement is the entire understanding and agreement between you and Blitz. This Agreement supersedes any previous
Terms of Use agreement or other agreement to which you and Blitz may have been bound. This Agreement will be binding on, inure
to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct
between parties nor trade practice shall act to modify any provision of the Agreement. You may not assign or transfer this
Agreement or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may
assign this Agreement or any of our rights or obligations under this Agreement at any time without notice. All rights not expressly
granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the
scope or extent of such section.
28. AUTHORIZATION FOR THE SOCIAL SECURITY ADMINISTRATION TO DISCLOSE YOUR SOCIAL
SECURITY NUMBER VERIFICATION
When you click on the confirm button on the "Verify your Identity" page, you authorize the Social Security Administration (SSA) to
verify and disclose to Line Financial, PBC. through Socure, Inc., their service provider, for the purpose of verifying your identity,
whether your name, Social Security Number (SSN) and date of birth you have submitted matches the information in SSA records.
This consent is for a one-time validation within 90 days of the date of submission.
29. USAGE OF THIRD PARTY SERVICES
29.1 The Services may contain links or connections to third-party websites or services that are not owned or operated by us or our
third-party service providers or licensors. We provide such links and connections for your reference only. We do not control such
third-party websites or services and are not responsible for their availability or content. Our inclusion of such links and connections
does not imply our endorsement of such third-party websites or services or any association with their owners or operators. We
assume no liability whatsoever for any such third-party websites or services or any content, features, products, or practices of such
third-party websites or services. Your access and use of such third-party websites and services is subject to applicable third-party
terms and conditions and privacy policies. We encourage you to read the terms and conditions and Privacy Policy of each third-party website or service that you visit or utilize.
In order to verify your identity information such as email, SSN, ITIN, Date of Birth, Address, you must accept Socure’s Terms of Service
and Privacy Policy. You authorize Socure to share your identity data with Blitz for the purpose of verifying your identity information.
In order to verify your identity and complete transactions, you are required to use a selfie verification service powered by Auth id. By
using this service, you agree & accept to Auth id's Terms of Service and
Privacy Policy.
In order to verify your identity, you authorize your wireless carrier to use or disclose information about your account and your
wireless device, if available, to Blitz or its service provider for the duration of your business relationship, solely to help them identify
you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
In order to use the payment functionality of the Application, you must open a "Dwolla Platform" account provided by Dwolla, Inc. and
you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in the Dwolla account are held by Dwolla's financial
institution partners as set out in the Dwolla Terms of Service. You authorize Blitz to share your identity and account data with Dwolla
for the purposes of opening and supporting your Dwolla account, and you are responsible for the accuracy and completeness of that
data. You understand that you will access and manage your Dwolla account through the Blitz Application, and Dwolla account
notifications will be sent by Blitz, not Dwolla.
In order to initiate fund transfers (either credits or debits or both) within the Application, you acknowledge and agree to be bound by the terms of use and privacy policies of our authorized payment processing partners, including but not limited to Checkbook, Stripe, Dwolla and Tremendous.
In order to estimate tax payment owed to or refund due from the Internal Revenue Service or for filing individual tax returns for
Federal and State, Blitz uses a third party platform “April” and you must accept the April Terms of Use and
Privacy Policy.
Blitz will provide customer support for your Dwolla account activity, and can be reached at [email protected]
In order to use Blitz Drive service, driving data and other information will be shared with our telematics third party partners and
certain insurance companies.
In order to enroll into Payment Guard Insurance for Everdraft in event of a disability or a covered job loss, you agree to share your
personal information such as full name, date of birth, full address, phone number and email address with our insurance partner
TruStage and accept their Terms of Use and Privacy Policy.
In order to give you access to personalized offers on personal loans, credit repair products & savings accounts, you may choose to
click on offers, compare terms and lenders and fill in the application form of individual lenders and accept their Terms of Use and
Privacy Policy. Blitz has partnered with Engine by MoneyLion ("ML Enterprise Inc. (formerly Even Financial) for offering these
services. Click here for their Terms of Use and
Privacy Policy.
In order to give you access to affordable health insurance offers, Blitz has partnered with Allstate Health Solutions. You may choose
to click on offers, compare health solutions and buy their plans and accept their
Terms of Use
and
Privacy Policy.
In order to give you access to a Debit Card to pay selected online subscriptions and bills on credit, Blitz has partnered with
GrowCredit. You may choose to avail their services and subscribe to their plans and accept their Terms of Use and
Privacy Policy.
30.2 In conjunction with your access or use of the Services, you may be subject to additional terms, rules, policies, and conditions that
are posted on the Website or the Application, such as any terms and conditions for (a) our referral or rewards programs, (b) Offers,
(c) special discounts, sweepstakes, contests or other promotional programs (“Promotions”) (collectively, “Additional Terms”), which
are hereby incorporated by reference into these Terms. In the event of a conflict between any Additional Terms and these Terms,
these Terms will control. Offers and Promotions may be offered, modified, continued, altered, withdrawn, extended or terminated by
Blitz in its sole discretion at any time with or without notice to you.
30. CONTACTING US
If you have questions regarding the Agreement or the practices of Blitz, please contact us by email at support@tryBlitz