Chase Digital Services Agreement

Content & IP Rights · Permission or license

What you send Chase is non-confidential and Chase may use it for any purpose

Unless prohibited by law or the applicable privacy policies, any communication or material you send to Chase through the Digital Platforms, the Services or email is on a non-confidential basis and Chase may use it for any purpose, including reproduction, publication, broadcast and posting.

Supporting quotations

Unless otherwise prohibited by law or the applicable privacy policies, any communication or material you transmit to us via the Digital Platforms, the Services, or email is on a non-confidential basis and we may use such communication or material for any purpose, including reproduction, publication, broadcast and posting.

Qualifications & exceptions

• Does not apply where prohibited by law or the applicable privacy policies.

Not stated here

• The applicable privacy policies are not part of this document, so their limits cannot be described here.

Content & IP Rights · Permission or license

Chase gives you a limited, revocable personal license to use the platforms and software

Chase grants you, for personal use or, if you are a business, internal business purposes only, a non-exclusive, non-transferable, limited and revocable right to access and use the Digital Platforms and Services, and any software in object code. Software provided through the Digital Platforms must be downloaded by you in the United States. For the term of the agreement, software Chase or its licensors make available for download with the Services comes with a non-exclusive, non-assignable, non-transferable, limited license to use the proprietary software and documentation (Products) only in connection with the permitted use of the applicable Service.

Supporting quotations

We grant to you, for your personal or, if you are a business, internal business purposes only, a non-exclusive, non-transferable, limited and revocable right to access and use the Digital Platforms and Services, as well as any software, in object code.

Any software provided through the Digital Platforms must be downloaded by you in the United States.

for the term of this Agreement, a non-exclusive, non-assignable, non-transferable, limited right and license to use the proprietary computer software products in object code and any associated documentation (“Products”) for use only directly in conjunction with its permitted use of the applicable Service.

Qualifications & exceptions

• Personal use, or internal business purposes if you are a business.
• Software must be downloaded in the United States.
• The software license lasts for the term of the agreement.

Content & IP Rights · Restriction or exception

No commercial use such as co-branding, framing, linking or reselling without written consent

You agree not to use the Digital Platforms or Services for any purpose other than the licensed one, including commercial purposes such as co-branding, framing, linking or reselling any portion of the Digital Platforms, without Chase's prior written consent.

Supporting quotations

You agree not to use the Digital Platforms or Services for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Digital Platforms without our prior written consent.

Qualifications & exceptions

• Prior written consent from Chase lifts the restriction.

Content & IP Rights · Restriction or exception

Platform content and trademarks belong to JPMC or third parties; no implied trademark license

You acknowledge that, other than your electronic records stored by the Digital Platforms or Services, all content on or available through them is the property of JPMC and/or third parties and protected by copyright, trademark or other rights. The compilation of all content is the exclusive property of JPMC and/or its licensors. The trademarks, logos and service marks displayed are registered and unregistered trademarks of JPMC or third parties and may not be copied, altered, modified or changed, and nothing on the platforms grants any license or right to use a Trademark without the express written permission of JPMC or the third party that holds the rights.

Supporting quotations

other than your electronic records stored by the Digital Platforms or the Services, all content included in or available through the Digital Platforms and Services is the property of JPMC and/or third parties and is protected by copyrights, trademarks, or other intellectual and proprietary rights; (b) the compilation of all content on the Digital Platforms and Services is the exclusive property of JPMC and/or its licensors and is protected by copyright or other intellectual property rights;

the trademarks, logos, and service marks displayed on the Digital Platforms or Services (collectively, “Trademarks”) are the registered and unregistered trademarks of JPMC or third parties, and may not be copied, altered, modified, or changed; and (d) nothing contained on the Digital Platforms or any Service should be construed as granting by implication or otherwise any license or right to use any Trademark without the express written permission of JPMC or the third party which has rights to such Trademark, as appropriate.

Qualifications & exceptions

• Your electronic records stored by the platforms are excluded from the ownership statement.

Not stated here

• The agreement uses JPMC without defining it in this section.

Content & IP Rights · Restriction or exception

Chase keeps all rights; breach ends your right to use the platforms; no anti-competitive use

Except for the licenses granted, all rights, interest and title in the Digital Platforms, Services, content, technology, applications, websites and Products, including improvements, modifications and derivative works, stay with Chase or its licensors, and you acquire no rights in them. Your use is subject to and conditioned on complete compliance with the agreement, and any breach immediately terminates your right to use the Digital Platforms and Services. You may not use the Digital Platforms, Services or Products in any anti-competitive manner, for any purpose contrary to Chase's business interest, or to Chase's actual or potential economic disadvantage in any aspect.

Supporting quotations

Except for the licenses granted to you under this Agreement, all rights, interest and title in and to the Digital Platforms and Services, associated content, technology, application, website(s) and Products, including any improvements, modifications, and derivative works, will at all times remain with us or our licensors, and you shall acquire no rights in the Digital Platforms, Services, or Products.

Your use of the Digital Platforms, Services, and Products is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Digital Platforms and Services.

you may not use the Digital Platforms, Services or Products (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to our business interest, or (iii) to our actual or potential economic disadvantage in any aspect.

Qualifications & exceptions

• Any breach of the agreement immediately terminates your right to use the Digital Platforms and Services.
• The use limits are broad: contrary to Chase's business interest or to its actual or potential economic disadvantage.

Content & IP Rights · Restriction or exception

Use only for personal or internal business purposes, not time sharing, rental, service bureau or sale

You must use the Digital Platforms, Services and Products solely for your personal or internal business purposes. You may not use them for time sharing, rental or service bureau purposes, or for the sale, marketing or, except as otherwise expressly provided in the agreement, commercial exploitation of the Digital Platforms, Services and Products.

Supporting quotations

You shall use the Digital Platforms, Services, and Products solely for your personal or internal business purposes. For purposes of this clause, you may not use the Digital Platforms or any Service or Product for time sharing, rental, or service bureau purposes, or the sale, marketing or (except as otherwise expressly provided herein) commercial exploitation of the Digital Platforms, Services, and Products.

Qualifications & exceptions

• Commercial exploitation is barred except as otherwise expressly provided in the agreement.

Content & IP Rights · Restriction or exception

No reverse engineering, copying, transfer or removing notices; no rights beyond those granted

You may not, and will not allow or cause any third party to, decompile, reverse engineer, reverse compile, reverse-assemble, disassemble, try to derive source code of, modify, copy or create derivative works of any part of the Digital Platforms, Services or Products; display, assign, sublicense, distribute, export, resell or otherwise transfer any interest in the agreement or the Products to a third party; remove proprietary or intellectual property notices or labels on the Digital Platforms; or exercise any right not expressly granted. Chase or its licensors own all right, title and interest, including names, trademarks, slogans and logos, in the Digital Platforms, Services and Products, including those accessed through the Mobile Services, and no license is granted except those specifically set out.

Supporting quotations

You may not, and will not allow or cause any third party to: (a) decompile, reverse engineer, reverse compile, reverse-assemble, disassemble, attempt to derive the source code of, or modify, copy, or create derivative works of any portion of the Digital Platforms or any Services or Products; (b) display, assign, sublicense, distribute, export, resell, or otherwise transfer any interest in this Agreement or the Products to any third party; (c) remove any proprietary or intellectual property rights notices or labels on the Digital Platforms; or (d) otherwise exercise any other right to the Digital Platforms not expressly granted in this Agreement.

We, or our licensors, own all right, title and interest, including all intellectual property rights (including all names, trade names, trademarks, service marks, slogans, logos or other indicia) in and to the Digital Platforms, Services, and Products (including the products and services accessed through the Mobile Services). No license or other right in or to the Digital Platforms, Services, or Products is granted to you except for the rights specifically set forth in this Agreement.

Qualifications & exceptions

• Applies to what you do and to what you allow or cause a third party to do.
• No license is granted except the rights specifically set forth in the agreement.

Content & IP Rights · Permission or license

Chase can replace, modify or end your license if the Products face an infringement claim

If the Products become, or in Chase's opinion are reasonably likely to become, the subject of an infringement claim, you will allow Chase, at its option and expense, to replace the Products with a non-infringing alternative, modify them so they are non-infringing, or terminate the license.

Supporting quotations

In the event the Products become, or in our opinion are reasonably likely to become, the subject of a claim of infringement, you will allow us, at our option and expense, to replace the Products with a non-infringing alternative, modify the Products so that they become non-infringing or terminate the license.

Qualifications & exceptions

• Triggered by an actual claim or by Chase's opinion that a claim is reasonably likely.

Content & IP Rights · Permission or license

Suggestions and ideas you submit become Chase's property

Upon submission, any suggestion, idea, proposal or other material you provide to Chase becomes Chase's property without limitation or further consideration.

Supporting quotations

Upon submission, any suggestion, idea, proposal or other material you provide to us becomes our property without limitation or further consideration.

Qualifications & exceptions

• Applies to suggestions, ideas, proposals or other material you provide.
• No further consideration or compensation is promised.

Content & IP Rights · Restriction or exception

You must keep the platforms, Services and Products confidential as trade secrets

You acknowledge that the Digital Platforms, Services and Products are trade secrets of significant value to Chase and/or its licensors and must be kept secret, confidential and proprietary, and that copyright legends do not reduce that nature. You will take all reasonable steps to prevent unauthorized disclosure or use, with at least the same degree of care you use for your own most valuable confidential information, and will not remove or alter copyright or other proprietary legends. This section survives termination of the agreement.

Supporting quotations

You acknowledge that the Digital Platforms, Services, and Products constitute trade secrets and represent significant economic and commercial value to us and/or our licensors and must be maintained as secret, confidential and proprietary. You agree that copyright legends borne by the Digital Platforms, Services, and Products in no way reduce the trade secret, proprietary and/or confidential nature thereof. You will take all reasonable steps to safeguard the Digital Platforms, Services, and Products to ensure that no unauthorized disclosure or use is made, in whole or in part, and will use at least the same degree of care to prevent the unauthorized use, disclosure or availability of the Digital Platforms, Services, and Products as you ordinarily use in protecting your own most valuable confidential and proprietary information.

You will not remove or alter any copyright or other proprietary legends contained on the Digital Platforms, Services, and Products. This Section 21 shall survive termination of this Agreement.

Qualifications & exceptions

• The standard of care is at least the care you use for your own most valuable confidential and proprietary information.
• The section survives termination.

Content & IP Rights · Permission or license

Limited, revocable licence for personal or internal business use; the Service is generally available around the clock

Chase grants you, for personal use or, if you are an eligible business, internal business purposes only, a nonexclusive, limited and revocable right to access and use the Service on its digital platforms. You agree not to use it for any other purpose, including commercial purposes such as co-branding, framing, linking or reselling any portion of the Service without Chase's prior written consent. Subject to the terms, the Service is generally available 24 hours a day, seven days a week, except for outages for maintenance and circumstances beyond Chase's or the Service Provider's control.

Details not recorded for this card

Supporting quotations

5. License; Availability of Service

We grant to you, for your personal use or, if you are a business eligible to use the Service, for internal business purposes only, a nonexclusive, limited and revocable right to access and use the Service on our digital platforms. You agree not to use the Service for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Service without our prior written consent.

Subject to these Terms, the Service is generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Service Provider’s control.

Qualifications & exceptions

• Personal use, or internal business purposes for an eligible business.
• Availability excludes maintenance outages and circumstances beyond the control of Chase or the Service Provider.

Content & IP Rights · Restriction or exception

Zelle Content Standards: no unlawful, abusive, infringing, harmful or competing content in memos or elsewhere

You agree not to use the Service, or upload or post, transmit, distribute or disseminate through it, including in memo fields accompanying a transfer, any material that is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive or inflammatory; encourages conduct that would be a criminal offense or give rise to civil liability; breaches or infringes any duty toward or rights of any person, including rights of publicity, privacy or intellectual property; contains corrupted data or other harmful files; advertises products or services competitive with Zelle, as Zelle determines in its sole discretion; or is in Zelle's or Chase's sole judgment objectionable, restricts or inhibits anyone from using the Service, or may expose Chase, Zelle or their affiliates or customers to harm or liability.

Supporting quotations

k. Zelle Content Standards: You agree that you will not use the Service in any way, or upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service (including but not limited to memo fields accompanying a transfer) any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle, as determined by Zelle in its sole discretion; or (f) in Zelle’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle or our respective affiliates or customers to harm or liability of any nature.

Qualifications & exceptions

• Includes memo fields accompanying a transfer.
• Several limits turn on Zelle's or Chase's sole discretion or judgment.

Not stated here

• The next section of the document continues with Chase's monitoring of content.

Content & IP Rights · Permission or license

Chase and Zelle can remove any content at will and may monitor it, with no liability for content

Although neither Chase nor Zelle has any obligation to monitor Content, both have absolute discretion to remove Content at any time for any reason without notice, and may also monitor Content to detect and prevent fraudulent activity or violations of the terms. You understand that using the Service may expose you to Content that is offensive, indecent or objectionable. Chase and Zelle are not responsible for and assume no liability for any Content, including any loss or damage to your Content, and make no representation or warranty that content uploaded to a User profile accurately identifies a particular User.

Supporting quotations

l. Although neither we nor Zelle have any obligation to monitor any Content, both we and Zelle have absolute discretion to remove Content at any time and for any reason without notice. We and Zelle may also monitor such Content to detect and prevent fraudulent activity or violations of the terms and conditions.

You understand that by using the Service, you may be exposed to Content that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any Content, including any loss or damage to any of your Content. We and Zelle make no representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Service.

Qualifications & exceptions

• Removal can be at any time, for any reason and without notice.