Affirm Debit Cardholder and Account Agreement (Evolve-issued cards)

Account & Service Control · Procedure

Customer service number is (855) 423-3729 for a lost, stolen or destroyed Card

The agreement tells the cardholder to keep the customer service telephone number, (855) 423-3729, for use if the Card is lost, stolen or destroyed.

Supporting quotations

Please keep for future reference the customer service telephone number, (855) 423-3729, in case the Card is lost, stolen or destroyed.

Not stated here

• The agreement does not state all customer-service hours in this block.

Account & Service Control · Procedure

Federal identity-verification rules require personal information, and false information can close the account

Federal law requires financial institutions and their third parties to obtain, verify and record information identifying each person who obtains a Card. When applying, the Bank will ask for name, address, date of birth, social security number or country identification number, and other identifying information, and may ask to see a driver's license or other photo identification. By participating in the Card program or applying, the cardholder certifies that all provided information is true, accurate and complete. Falsifying, misrepresenting or failing to provide requested information may lead the Bank to cancel the Card and Card Account. Funds tied to suspected illicit or illegal activity may be subject to internal and potentially federal investigation, freezes and forfeiture, and the Bank may restrict or delay access to such funds subject to applicable law. The Bank may share the information and investigation results with the Service Provider for use under the Bank's Privacy Policy.

Supporting quotations

federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains a Card

we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you

If you falsify, misrepresent, or fail to provide requested information, we may cancel your Card and Card Account.

funds tied to suspected illicit or illegal activity may be subject to both internal and potentially federal investigation, freezes, and forfeiture

Qualifications & exceptions

• The certification covers the cardholder's real name, valid U.S. mailing and residential address, social security number or identification documentation, date of birth, telephone number and other requested information.
• The Bank may cancel the Card and Card Account for falsification, misrepresentation or failure to provide requested information.
• Funds tied to suspected illicit activity may be frozen or forfeited, and access may be restricted or delayed subject to law.
• Information and investigation results may be shared with the Service Provider under the Bank's Privacy Policy.

Not stated here

• The Bank's Privacy Policy is not supplied in this saved source, so its separate sharing terms are not analyzed here.

Account & Service Control · Restriction or exception

A Linked External Account may be required, and some features need one

The ability to use a Linked External Account depends on eligibility. The Bank may require a Linked External Account associated with the Card in order to use the Card for purchases, and may require that the linked account be Affirm Savings. The Bank may also permit the cardholder to use the Card without a Linked External Account to make a purchase using the proceeds of a Loan obtained in the App before the purchase. Certain features are not available without a Linked External Account, and the App shows whether an external bank account other than Affirm Savings can be linked.

Supporting quotations

Your ability to use a Linked External Account is based on eligibility.

We may require you to have a Linked External Account associated with your Card in order to use your Card for purchases. We may also require that your Linked External Account be your Affirm Savings.

we may permit you to use your Card without a Linked External Account to make a purchase using the proceeds of a Loan you obtained in the App prior to making the purchase

Certain features will not be available if you do not have a Linked External Account associated with your Card.

Qualifications & exceptions

• Eligibility determines whether a Linked External Account can be used.
• A Linked External Account, possibly Affirm Savings, may be required for Card purchases.
• Using the Card without a linked account is limited to purchases funded by a previously obtained Loan.
• Certain features are unavailable without a Linked External Account.

Not stated here

• The agreement does not list every feature that requires a Linked External Account.

Account & Service Control · Company practice

Adding a Linked External Account represents ownership, authorization, a U.S. institution and good standing

By adding a Linked External Account, the cardholder represents and warrants that the cardholder owns and is authorized to use the account for all transactions contemplated by the agreement, and that the account is held by a U.S. financial institution and is in good standing.

Supporting quotations

By adding a Linked External Account, you represent and warrant that you own and are authorized to use the Linked External Account for all of the transactions contemplated by this Agreement, and that the Linked External Account is held by a U.S. financial institution and is in good standing.

Qualifications & exceptions

• The representation covers ownership, authorization to use the account, U.S. institutional custody and good standing.

Account & Service Control · Procedure

Switching the linked account can be blocked by pending transactions and turns off Backup Protection

An eligible cardholder may be able to switch which account is the Linked External Account. A switch may not be possible while the cardholder has pending Card transactions. If the cardholder has Backup Protection and switches to a Linked External Account other than Affirm Savings, Backup Protection turns off automatically.

Supporting quotations

If you are eligible to have a Linked External Account other than your Affirm Savings, you may be able to switch which account is your Linked External Account.

You may not be able to switch which account is your Linked External Account if you have any pending Card transactions.

If you sign up for Backup Protection and switch to a Linked External Account other than your Affirm Savings, your Backup Protection will turn off automatically.

Qualifications & exceptions

• Switching is available only if the cardholder is eligible to have a Linked External Account other than Affirm Savings.
• Pending Card transactions may prevent a switch.
• Switching away from Affirm Savings automatically turns off Backup Protection.

Account & Service Control · Permission or license

Optional Planning Features automate funding choices under a separate Program Agreement

From time to time the Bank may offer optional features under which an eligible, enrolled cardholder authorizes Affirm to take an action, such as applying for Pre-purchase Loans from a Lender or selecting how a transaction is funded, without a manual action each time. While enrolled, Affirm periodically evaluates continued eligibility and, if the cardholder remains eligible, takes the automated action described in the feature's Program Agreement, which the cardholder must agree to separately before activation. Enrollment is not a request for credit and does not guarantee credit or any outcome; a Loan originated through the feature remains subject to separate underwriting and credit approval. The cardholder may disable a feature at any time in the App, and the Card and Card Account remain subject to this agreement; the cardholder remains obligated under any Loan originated before disabling the feature. The Bank may add features in the future, each with its own Program Agreement, without amending this agreement or section, subject to notice or disclosure requirements. A Program Agreement is a separate agreement between the cardholder and Affirm Loan Services, LLC or another Affirm entity identified there, not superseded by or modifying this agreement.

Supporting quotations

From time to time, we may offer optional features under which, if you are eligible and enrolled, you authorize Affirm to take an action – such as applying for one or more Pre-purchase Loans for you, to be originated by a Lender, or otherwise selecting how a transaction is funded – without requiring you to manually take an action each time (each, an “Optional Planning Feature”).

Enrolling in an Optional Planning Feature is not a request for, and does not guarantee, credit or any particular outcome; any Loan originated by a Lender via an Optional Planning Feature remains subject to separate underwriting and credit approval consistent with Section I.B above.

You may disable an Optional Planning Feature at any time in the App, and your Card and Card Account otherwise remain subject to this Agreement regardless of whether you are enrolled in any Optional Planning Feature and you remain obligated to the terms of any Loan originated prior to when you disable the Optional Planning Feature.

We may make additional Optional Planning Features available in the future, each with its own Program Agreement, without amending this Section or this Agreement, subject to any notice or disclosure requirements under applicable law.

If you separately enroll in an Optional Planning Feature, the Program Agreement governing that Optional Planning Feature is a separate agreement between you and Affirm Loan Services, LLC (or another Affirm entity identified in that Program Agreement) that is not superseded by, and does not modify, this Agreement.

Qualifications & exceptions

• Requires eligibility and separate enrollment in each feature.
• The Program Agreement governs the automated action and is a separate agreement with an Affirm entity.
• Enrollment does not guarantee credit or any outcome; Loans remain subject to underwriting and approval.
• The cardholder can disable a feature at any time in the App but remains obligated under Loans originated before disabling.
• New features may be added with their own Program Agreements without amending this agreement, subject to applicable notice or disclosure law.

Not stated here

• The Program Agreements for current or future features are not supplied in this saved source.

Account & Service Control · Procedure

Card replacement moves access to the new Card; inactive accounts may escheat

The Card's expiration date is listed on the Card. The Card Account and underlying funds do not expire. When the Card expires, the Bank may send a replacement Card. If a replacement Card is issued for any reason, once the cardholder activates it, the money in the Card Account becomes accessible only by the replacement Card, and the cardholder can no longer use any previously connected Card. If the Card Account becomes inactive and subject to escheatment under state law, the Bank may remit the funds to the cardholder's state of residence, and the cardholder may claim them from the state.

Supporting quotations

The expiration date of the Card is listed on the Card. The Card Account and underlying funds do not expire. When the Card expires, we may send you a replacement Card.

If we issue you a replacement Card for any reason, once you activate your replacement Card, the money in your Card Account will become accessible only by your replacement Card, and you will no longer be able to use any other Card that was previously connected to your Card Account.

If your Card Account becomes inactive and subject to escheatment under state law, we may remit funds in your Account to the state of your residence, and you may claim the funds from the state.

Qualifications & exceptions

• The Card Account and funds do not expire even though the Card does.
• Activating a replacement Card cuts off access through previously connected Cards.
• Escheatment depends on state law and account inactivity; funds may be claimed from the state.

Not stated here

• The agreement does not state the inactivity period that triggers escheatment or the escheatment rules of a particular state.

Account & Service Control · Context

A virtual Card shares the Card Account and may have a different number; wallet terms may apply

In addition to the physical Card, the cardholder receives a virtual Card. The virtual Card may have a different Card number from the physical Card, but both are connected to the same Card Account. The Bank may offer a virtual Card through a third-party wallet service; if it does, the cardholder may be required to accept additional terms for using the virtual Card. The Bank is not responsible for any third-party wallet service.

Supporting quotations

In addition to the physical card, you will receive a virtual Card. The virtual Card may have a different Card number than your physical Card, but both are connected to the same Card Account.

We may give you the opportunity to use a virtual Card through a third-party wallet service. If we do, you may be required to accept additional terms and conditions regarding your use of the virtual Card.

We are not responsible for any third-party wallet service.

Qualifications & exceptions

• The virtual and physical Cards may have different numbers but access one Card Account.
• Third-party wallet use may require additional terms.
• The Bank disclaims responsibility for third-party wallet services.

Not stated here

• The third-party wallet's terms are not supplied in this saved source.

Account & Service Control · Restriction or exception

The Card is for personal, family and household use only, with prohibited transactions

The cardholder agrees that the Card and Card Account will be used for personal, family and household purposes only and not for business use. The cardholder may not use the Card for cash equivalent transactions, any illegal transactions, including illegal gambling, or any other transaction the Bank deems fraudulent, suspicious or high risk. The Bank reserves the right to cancel, close or restrict use of the Card and Card Account, including by refusing to process a transaction, if it believes the cardholder violated this agreement or applicable law.

Supporting quotations

You agree that the Card and Card Account will be used for personal, family and household purposes only and not for business use.

You may not use the Card for cash equivalent transactions, any illegal transactions, including illegal gambling, or any other transaction we deem fraudulent or suspicious or high risk.

We reserve the right to cancel, close or restrict use of the Card and Card Account, including by refusing the processing of any transaction, if we believe you have violated this Agreement or any applicable law.

Qualifications & exceptions

• Use is limited to personal, family and household purposes; business use is prohibited.
• Cash equivalent transactions and illegal transactions, including illegal gambling, are prohibited.
• The Bank may also refuse transactions it deems fraudulent, suspicious or high risk.
• Violation may lead to cancellation, closure, restriction or refusal to process a transaction.

Not stated here

• The agreement does not list every transaction the Bank may treat as a cash equivalent or high risk.

Account & Service Control · Restriction or exception

No authorized users: the cardholder is responsible for anyone permitted to use the Card

The cardholder is responsible for all authorized transactions initiated and fees incurred by use of the Card and may not permit anyone else to use the Card or Card Account. If the cardholder permits another person to have access to the Card or Card Account, the agreement treats that as authorized use, and the cardholder is liable for all transactions and fees incurred by those persons. The cardholder is wholly responsible for the use of each Card according to the agreement, subject to Sections XVI and XVIII and other applicable laws.

Supporting quotations

You are responsible for all authorized transactions initiated and fees incurred by use of the Card. You may not permit anyone else to use your Card or Card Account.

if you permit another person to have access to the Card or Card Account, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons

You are wholly responsible for the use of each Card according to the terms of this Agreement, subject to Section XVI (Lost or Stolen Cards or Unauthorized Transfers) and Section XVIII (Your Liability for Unauthorized Transactions) below, and other applicable laws.

Qualifications & exceptions

• No other person may use the Card or Card Account.
• Permitting access is treated as authorization, making the cardholder liable for that person's transactions and fees.
• The responsibility is subject to Sections XVI and XVIII and other applicable laws.

Account & Service Control · Company practice

Statements are monthly through the App, at least quarterly, with charge-off and bankruptcy rules

Affirm makes a periodic Statement available for the Card Account each month, covering activity on the Card and Card Account and a summary of current installment loans during each monthly cycle. Affirm may make Statements available through the App and has made the Statement available on the day it notifies the cardholder that it is available. If the Card Account balance has charged off, Affirm may provide quarterly Statements. If the cardholder has filed for bankruptcy before a Statement is made available, the Statement is informational only and is not an attempt to collect a debt. If the cardholder does not make a transfer in a monthly cycle, Affirm may not provide a Statement for that cycle but will provide one at least quarterly.

Supporting quotations

Affirm will make available to you a periodic statement ("Statement") for your Card Account per month, covering activity on your Card and Card Account and a summary of your current installment loans during each monthly cycle.

Affirm may make your Statements available through the App. Affirm has made the Statement available to you on the day Affirm notifies you that the Statement is available.

If your Card Account balance has charged off, Affirm may provide you with quarterly Statements.

In the event you do not make a transfer in a particular monthly cycle, Affirm may not provide you with a Statement; notwithstanding, Affirm will provide you with a Statement at least quarterly.

Qualifications & exceptions

• Statements cover Card and Card Account activity plus a summary of current installment loans.
• Statements may be delivered through the App and are treated as available on the notification day.
• Charged-off accounts may receive quarterly Statements.
• A bankruptcy filing makes the Statement informational only, not a debt-collection attempt.
• No transfer in a cycle may mean no Statement for that cycle, but at least quarterly statements are promised.

Not stated here

• The agreement does not state the exact monthly statement date or delivery time beyond the App notification.

Account & Service Control · Permission or license

Affirm services Loans and the Bank may rely on Affirm's instructions for Card purchases and Loans

Affirm Inc. and Affirm Lending Services are responsible for servicing Loans, as Lender or as a service provider to the Lender, including communications with the cardholder. Affirm provides access to submit loan applications associated with Card purchases through the App. Through use of the Card and the App, the cardholder provides instructions to Affirm for Card purchases and associated Loans. The cardholder authorizes and agrees that the Bank may rely on instructions provided by Affirm on the cardholder's behalf.

Supporting quotations

Affirm Inc. and Affirm Lending Services are responsible for servicing Loans, as Lender or service provider to Lender (as applicable), including any communications with you.

Through your use of the Card and the App, you are providing instructions to Affirm for Card purchases and associated Loans. You authorize and agree that Bank may rely on instructions provided by Affirm on your behalf.

Qualifications & exceptions

• Affirm's Loan-servicing role may be as the Lender or as a service provider to the Lender.
• The cardholder's use of the Card and App is treated as providing instructions to Affirm.
• The Bank may rely on Affirm's instructions on the cardholder's behalf.

Not stated here

• The agreement does not describe every instruction Affirm may give the Bank.

Account & Service Control · Procedure

Error disputes must be reported within 60 days of the first statement, using the listed contacts

For errors or questions about electronic fund transfers, the cardholder should visit affirm.com/help/debit to submit a webform, call (855) 423-3729, or write to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 as soon as possible if the cardholder thinks a statement or receipt is wrong or needs more information about a listed transfer. The cardholder may also have the option to notify through the App. The Bank must hear from the cardholder no later than sixty days after it sent the FIRST statement on which the problem or error appeared.

Supporting quotations

In Case of Errors or Questions about your Electronic Fund Transfers, please visit us at affirm.com/help/debit to submit a webform or call us at (855) 423-3729 or write us at Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.

We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared.

Qualifications & exceptions

• The 60-day deadline runs from the first statement on which the problem or error appeared.
• The cardholder may use the webform, phone, written address or possibly the App.

Account & Service Control · Procedure

An error report should include the cardholder's name, account number, a description and the dollar amount

The cardholder should tell the Bank the cardholder's name and account number, describe the error or transfer the cardholder is unsure about and explain as clearly as possible why the cardholder believes it is an error or why more information is needed, and tell the Bank the dollar amount of the suspected error. If the cardholder reports orally, the Bank may require that the complaint or question be sent in writing within ten business days.

Supporting quotations

Tell us your name and account number.

Describe the error or 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 ten (10) business days.

Qualifications & exceptions

• The report should include name, account number, description and dollar amount.
• An oral report may require written follow-up within ten business days.

Account & Service Control · Procedure

The Bank investigates errors within 10 business days, may take up to 45 days, and generally provides provisional credit

The Bank will determine whether an error occurred within 10 business days after hearing from the cardholder and will correct any error promptly. If it needs more time, it may take up to forty-five days to investigate. If it takes more time, it will credit the Card Account within ten business days for the amount the cardholder thinks is in error so the cardholder has full use of the money during the investigation. If the Bank asks for a written complaint or question and does not receive it within ten business days, it may not credit the Card Account.

Supporting quotations

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 forty-five (45) days to investigate your complaint or question.

If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error so that you will have full 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 ten (10) business days, we may not credit your Card Account.

Qualifications & exceptions

• The initial determination target is 10 business days.
• The investigation may be extended to 45 days.
• Provisional credit is provided within 10 business days for the disputed amount when more time is needed.
• No provisional credit may be given if requested written confirmation is not received within 10 business days.

Account & Service Control · Procedure

New-account, point-of-sale and foreign-initiated error investigations may take up to 90 days

For errors involving new Card Accounts (an account where the first deposit occurs less than 30 days before the error), point-of-sale transactions or foreign-initiated transactions, the Bank may take up to 90 days to investigate the complaint or question. For new accounts, it may take up to twenty business days to credit the Card Account for the amount the cardholder thinks is in error.

Supporting quotations

For errors involving new Card Accounts (an account where the first deposit to the account occurs less than 30 days before the error), point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.

For new accounts, we may take up to twenty (20) business days to credit your Card Account for the amount you think is in error.

Qualifications & exceptions

• The 90-day investigation period applies to new accounts, point-of-sale and foreign-initiated transactions.
• For new accounts, provisional credit may take up to twenty business days.
• A new account is one where the first deposit occurs less than 30 days before the error.

Account & Service Control · Company commitment

The Bank reports error-investigation results within three business days and explains a no-error finding in writing

The Bank will tell the cardholder the results within three business days after completing its investigation. If it decides there was no error, it will send a written explanation. The cardholder may ask for copies of the documents used in the investigation.

Supporting quotations

We will tell you the results within three (3) 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.

Qualifications & exceptions

• The three-business-day period runs after the investigation is completed.
• A no-error decision comes with a written explanation.
• The cardholder may request copies of the documents used.

Account & Service Control · Context

Mobile access may carry carrier charges and restrictions

The Bank may make certain services available via a mobile device or telephone. If the cardholder accesses services through a mobile device, the wireless carrier's standard charges, data rates and other fees may apply. Downloading, installing or using certain services on a mobile device may be prohibited or restricted by the carrier, and not all mobile services may work with all carriers or devices.

Supporting quotations

We may make certain services available via a mobile device or telephone. To the extent you access our services through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply.

In addition, downloading, installing, or using certain services on your mobile device may be prohibited or restricted by your carrier, and not all mobile services may work with all carriers or devices.

Qualifications & exceptions

• Carrier charges, data rates and other fees may apply.
• A carrier may prohibit or restrict downloading, installing or using certain services.
• Not all mobile services work with all carriers or devices.

Not stated here

• The agreement does not list the services affected or the carrier restrictions.

Account & Service Control · Procedure

The cardholder must update contact information and report insolvency, bankruptcy or death

The cardholder must notify the Bank of any change in address, email address, telephone number or other contact information. Failure to do so may result in information about the Card or important information about the Card or Card Account being delivered to the wrong person or the cardholder's transactions being declined. The cardholder or an authorized representative must notify the Bank immediately of the cardholder's insolvency, receivership, conservatorship, bankruptcy or death.

Supporting quotations

You must notify us of any change in your address, e-mail address, telephone number, or other contact information you provide to us.

Failure to do so may result in information regarding the Card or important information about your Card or Card Account being delivered to the wrong person or your transactions being declined.

You or your authorized representative must notify us immediately in the event of your insolvency, receivership, conservatorship, bankruptcy, or death.

Qualifications & exceptions

• The notice duty covers address, email, telephone and other contact information.
• Failure may cause misdelivery or declined transactions.
• Insolvency, receivership, conservatorship, bankruptcy or death must be reported immediately by the cardholder or an authorized representative.

Account & Service Control · Company practice

The cardholder represents age, U.S. residence, a verifiable street address and agreement to the Privacy Policy

By activating the Card or retaining, using or authorizing its use, the cardholder represents and warrants that: (i) the cardholder is at least 18 years old or the age of majority where older; (ii) the cardholder is a U.S. citizen or legal alien residing in the United States or its territories; (iii) the cardholder provided a verifiable U.S. street address, not a P.O. Box; (iv) the personal information provided is true, correct and complete; (v) the cardholder received a copy of the agreement and agrees to be bound by and comply with its terms and the Privacy Policy, which is incorporated by reference; and (vi) the cardholder accepts the Card.

Supporting quotations

By activating the Card or by retaining, using or authorizing the use of it, you represent and warrant to us that: (i) you are at least 18 years of age (or the age of majority if you reside in a jurisdiction where the majority age is older than 18); (ii) you are a U.S. citizen or legal alien residing in the United States ("U.S.") or its territories; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms and our Privacy Policy, which is incorporated herein by reference; and (vi) you accept the Card.

Qualifications & exceptions

• The age test is 18 or the age of majority if older.
• Residence is the United States or its territories as a citizen or legal alien.
• The address must be a verifiable U.S. street address, not a P.O. Box.
• The Privacy Policy is incorporated by reference.
• The representations are made by activating, retaining, using or authorizing use of the Card.

Not stated here

• The Privacy Policy is incorporated by reference but not supplied in this saved source.

Account & Service Control · Procedure

The Bank may modify the agreement with notice and cancel or suspend the Card; cardholder cancels by zeroing the balance

The Bank may modify the agreement and will provide notice to the extent applicable law requires, including by email or other electronic communications. The Bank may cancel or suspend the Card or the agreement at any time. The cardholder may cancel the agreement by bringing the Card Account balance to $0.00 and returning the Card to the Bank. The cardholder's termination does not affect the Bank's or Service Provider's rights or the cardholder's obligations arising before termination.

Supporting quotations

We may modify this Agreement and will provide you with notice to the extent required by applicable law. We may provide you notice by email or other electronic communications.

We may cancel or suspend the Card or this Agreement at any time. You may cancel this Agreement by bringing the balance in your Card Account to $0.00, and returning the Card to the Bank.

Your termination of this Agreement will not affect any of the Bank's or Service Provider's rights or your obligations arising under this Agreement prior to termination.

Qualifications & exceptions

• Modification notice is required only to the extent applicable law requires.
• The Bank may cancel or suspend the Card or agreement at any time.
• The cardholder cancels by bringing the balance to $0.00 and returning the Card.
• Termination does not affect rights or obligations arising before termination.

Not stated here

• The agreement does not state the exact notice period or form for a particular modification.

Account & Service Control · Procedure

The cardholder should obtain and retain receipts to verify transactions

The cardholder should get or request a receipt when making a transaction using the Card and agrees to retain receipts to verify transactions.

Supporting quotations

You should get or request a receipt at the time you make a transaction using your Card. You agree to retain your receipts to verify your transactions.

Account & Service Control · Context

The Bank does not provide rewards; Affirm may, and the Bank may share Card Account information for them

The Bank does not provide rewards in connection with the Card or Card Account. Affirm may provide rewards independent of the Bank and subject to terms and conditions between the cardholder and Affirm (the "Rewards Terms"). Rewards provided by Affirm are not provided by the Bank, and the Bank does not control Affirm's rewards program. The cardholder agrees not to hold the Bank liable for issues arising from participation in the Affirm rewards program. The cardholder authorizes the Bank to disclose Card Account information to Affirm so Affirm can provide rewards or support participation in its rewards program.

Supporting quotations

Bank does not provide rewards in connection with your Card or Card Account. However, Affirm may provide you with rewards independent of Bank and subject to terms and conditions between you and Affirm ("Rewards Terms").

Rewards provided by Affirm are not provided by Bank and Bank does not control the rewards program offered by Affirm. You agree not to hold Bank liable for issues that may arise from your participation in the Affirm rewards program.

You authorize Bank to disclose Card Account information to Affirm in order for Affirm to provide you rewards or support your participation in its reward program.

Qualifications & exceptions

• Any rewards are provided by Affirm, not the Bank.
• Rewards are subject to separate Rewards Terms.
• The cardholder agrees not to hold the Bank liable for rewards-program issues.
• The cardholder authorizes Card Account information sharing with Affirm for rewards.

Not stated here

• The Rewards Terms and the specific rewards available are not supplied in this saved source.

Account & Service Control · Restriction or exception

The Bank may cancel or restrict the Card with or without cause, and the cardholder can cancel by phone

The Bank reserves the right, at any time and in its sole discretion, to limit use of the Card, including limiting or prohibiting specific types of transactions. The Bank may refuse to issue a Card, revoke Card privileges or cancel the Card with or without cause or notice, other than as required by applicable law. If the cardholder wants to cancel use of the Card, the cardholder may call (855) 423-3729. The cardholder agrees not to use or allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. Cancellation of Card privileges does not otherwise affect the cardholder's rights and obligations under the agreement. Not all services are available to all persons or at all locations, and the Bank may limit the provision of services to any person or location at its sole discretion. Any offer of service in the agreement is void where prohibited. The Bank can waive or delay enforcement of its rights without losing them.

Supporting quotations

We reserve the right, at any time and in our sole discretion, to limit your use of the Card, including limiting or prohibiting specific types of transactions.

The Bank may refuse to issue a Card, revoke Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law.

If you would like to cancel the use of your Card, you may do so by calling (855) 423-3729.

The cancellation of Card privileges will not otherwise affect your rights and obligations under this Agreement. Not all services described in this Agreement are available to all persons or at all locations.

Qualifications & exceptions

• The Bank's limit, refusal, revocation or cancellation power is at its sole discretion and may be exercised with or without cause.
• Notice is required only as applicable law requires.
• The cardholder cancels by calling (855) 423-3729.
• Cancellation does not affect other rights and obligations under the agreement.
• Service availability may vary by person and location; offers are void where prohibited.
• Waiver or delayed enforcement does not waive the Bank's rights.

Not stated here

• The agreement does not list every service restriction or location where a service is unavailable.