Chase Digital Services Agreement

Legal Rights & Agreement Rules · Context

What the agreement covers: Digital Platforms and Services, including AI

The agreement is between you and Chase (J.P. Morgan Chase). It governs your use, access and management of Chase's Digital Platforms, which the agreement names as Chase Online, Chase Mobile, Chase Business Online, Chase Point of Sale (POS), J.P. Morgan Online and J.P. Morgan Mobile. It also governs the products, services (including Online Services and Mobile Services) and software made available on those platforms and on certain third-party digital platforms that Chase decides from time to time, including products and services that use artificial intelligence and those governed by the Addenda. The agreement is made up of the General Terms and Conditions and the Addenda that follow.

Supporting quotations

which is comprised of the “General Terms and Conditions” below and the Addenda that follow (collectively the “Agreement”)

This Agreement is between you and us and governs your use, access, and management of J.P. Morgan Chase’s digital platforms, including Chase Online, Chase Mobile®, Chase Business Online, Chase Point of Sale (POS)SM, J.P. Morgan Online, and J.P. Morgan Mobile (collectively, the "Digital Platforms"). This Agreement also governs your use of the products, services (including Online Services and Mobile Services), and software made available to you on the Digital Platforms and certain third-party digital platforms, as determined by us from time to time, including products and services that use artificial intelligence (“AI”) and products and services governed by the terms contained in the Addenda attached hereto (collectively, "Services").

Qualifications & exceptions

• Third-party digital platforms are included only as Chase determines from time to time.
• Terms specific to each Service are in the Addenda.

Not stated here

• The list of third-party digital platforms that count is not given here.

Legal Rights & Agreement Rules · Restriction or exception

English version controls over the Spanish courtesy copy

The agreement is available in Spanish as a courtesy. If the Spanish and English versions of this agreement or of related documents Chase gives you now or later differ in meaning, the English version is official and prevails, and Chase suggests consulting a translator with questions. Some products and services, including Investment Accounts from J.P. Morgan Securities LLC, are available only in English.

Supporting quotations

is available in Spanish as a courtesy. If there is any difference in meaning between the Spanish and English versions of this Agreement or any related documents we provide you, either now or in the future, the English version is the official document and will prevail. Please consult with a translator if you have any questions. Please note that certain products and services, including Investment Accounts from J.P. Morgan Securities LLC, are only available in English.

If there is any difference in meaning between the Spanish and English versions of this Agreement or any related documents we provide you, either now or in the future, the English version is the official document and will prevail.

Qualifications & exceptions

• Applies to the agreement and related documents provided now or in the future.
• Investment Accounts from J.P. Morgan Securities LLC are English only.

Legal Rights & Agreement Rules · Context

Arbitration notice points to Section 13 of the General Terms

The opening notice says the agreement contains an arbitration provision covering most disputes between you and Chase about this agreement, and tells you to read it because it affects your rights. It cites the provision as Section 13 of the General Terms and Conditions. In the document's own headings, Section 13 is titled No Warranties by J.P. Morgan Chase and the heading titled Disputes and Arbitration is numbered 14, so the cited number does not match the arbitration heading. This analysis reports the citation as written and does not decide which section is meant.

Supporting quotations

This Agreement contains an arbitration provision that covers most disputes between you and us regarding this Agreement. Please read the arbitration provision set forth in Section 13 of the General Terms and Conditions as it affects your rights under this Agreement.

Qualifications & exceptions

• The notice says the provision covers most, not all, disputes about this agreement.

Not stated here

• Whether the notice means the section headed Disputes and Arbitration is not stated in the notice.
• The arbitration terms themselves are analyzed from their own section.

Legal Rights & Agreement Rules · Context

Investment Account is defined as certain non-FDIC insured products

The notice defines Investment Account(s) as certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates. The definition says these may include bank-managed accounts and custody, trust and fiduciary services, and brokerage and advisory accounts offered through J.P. Morgan Securities LLC. The next sentence in the document says that this language does not explicitly reference JPMorgan Wealth Management.

Supporting quotations

“Investment Account(s)” is defined as including certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC.

This language does not explicitly reference JPMorgan Wealth Management.

Qualifications & exceptions

• Defined as including certain products; the list is introduced with may include.

Not stated here

• The document does not say who wrote the sentence about JPMorgan Wealth Management or what rule it is meant to support.

Cross-references

• contrast (model-proposed): Glossary: Mobile Services, Online Services and Investment Account(s) — The opening notice and the Glossary each define Investment Account(s) as certain non-FDIC insured products, but word the custody and trust and fiduciary services portion differently. The document does not reconcile the two wordings.

Legal Rights & Agreement Rules · Context

Agreement layout: General Terms, a Glossary and service Addenda

The table of contents shows that the agreement has two parts: the General Terms and Conditions, followed by a Glossary and then separate Addenda for individual Services. The Addenda listed in this part of the contents are Access and Security Manager Online Service, Account Aggregation Service, ACH Collections Service, ACH Payment Services, Bill Payment Service, Bill Pay Directory Service, Chase and J.P. Morgan QuickDeposit for Mobile and Chase QuickDeposit Classic for Business Banking. The earlier notice says you accept the terms of each Service's Addendum when you enroll, so a Service's own Addendum applies on top of the General Terms.

Supporting quotations

GENERAL TERMS AND CONDITIONS

GLOSSARY

Addendum: Access and Security Manager Online Service

Addendum: Account Aggregation Service

Addendum: ACH Collections Service

Addendum: ACH Payment Services

Addendum: Bill Payment Service

Addendum: Bill Pay Directory Service

Addendum: Chase and J.P. Morgan QuickDeposit for Mobile

Addendum: Chase QuickDeposit Classic for Business Banking

Qualifications & exceptions

• This is a contents list; the operative terms are in the sections it names.

Not stated here

• The contents list continues beyond this part of the document and names further Addenda.

Legal Rights & Agreement Rules · Context

General Terms cover mobile, AI, liability, arbitration, privacy and termination

The General Terms and Conditions are listed with numbered topics including Mobile Services, Artificial Intelligence Features, Records and Communications, Cutoff Times, Notices and changes in terms, Login Credentials, Limitation of Liability, Disputes and Arbitration, Privacy, Indemnity, Intellectual Property, Termination and Suspension, and Governing Law. This list only names the topics; what each section says is in the section itself.

Details not recorded for this card

Supporting quotations

Mobile Services

Artificial Intelligence Features

Cutoff Times

Notices Associated with Electronic Communications, Change in Terms of this Agreement, or New Features

Login Credentials and Other Sensitive Information

Limitation of Liability

Disputes and Arbitration

Privacy

Indemnity

Intellectual Property

Termination and Suspension; Assignment; Survival

Governing Law

Qualifications & exceptions

• Contents entries only; they carry no obligations of their own.

Legal Rights & Agreement Rules · Context

Contents continue with QuickDeposit Classic, Fraud Protection and Gifting Addenda

This part of the table of contents lists the sections of the Chase QuickDeposit Classic for Business Banking Addendum (including Deposit Limits, Item Processing and Cancellation or Termination of Service) and the Fraud Protection Services Addendum, whose sections cover Eligibility, Activation, the Positive Pay Service, the Reverse Positive Pay Service, the ACH Debit Block Service, Unavailability of Service/Alternative Service, a Disclaimer and Definitions. It also lists the start of the Gifting Service Addendum. These are contents entries that name the Addenda; the terms are in the Addenda themselves.

Details not recorded for this card

Supporting quotations

Chase QuickDeposit Service

Deposit Limits

Item Processing

Cancellation or Termination of Service Addendum: Fraud Protection Services

Eligibility

The Positive Pay Service

The Reverse Positive Pay Service.

ACH Debit Block Service

Unavailability of Service/Alternative Service

Disclaimer

Addendum: Gifting Service

Qualifications & exceptions

• Contents entries only; they carry no obligations of their own.

Not stated here

• The contents list continues in the next section of the document.
• The terms those entries name are not supplied here in the contents list; the Addendum text itself says what they provide.

Legal Rights & Agreement Rules · Context

Contents list the payment, wallet, subscription and Zelle Addenda

The rest of the table of contents names the Invoicing Service Addendum; the Online Wire Transfer and Chase Global Transfer Services Addendum (with a section on protecting yourself against wire scams and one on consumer international funds transfers); the PayPal Provisioning Platform Terms; the Real-Time Payments Service Addendum; the Terms & Conditions for Canceling Subscriptions; the Terms Applicable To Your Use of Digital Wallets with Chase Cards; the Transfers Service Addendum; and the Zelle Service Addendum. These are contents entries that name the Addenda; the terms are in the Addenda themselves.

Details not recorded for this card

Supporting quotations

Addendum: Invoicing Service

Addendum: Online Wire Transfer and Chase Global Transfer Services

Protect Yourself Against Wire Scams

Consumer International Funds Transfers

Addendum: PayPal Provisioning Platform Terms

Addendum: Real-Time Payments Service

Addendum: Terms & Conditions for Canceling Subscriptions

Addendum: Terms Applicable To Your Use of Digital Wallets with Chase Cards

Addendum: Transfers Service

Addendum: Zelle® Service

Qualifications & exceptions

• Contents entries only; they carry no obligations of their own.

Not stated here

• The terms those entries name are not supplied here in the contents list; the Addendum text itself says what they provide.

Legal Rights & Agreement Rules · Context

Individual Addenda carry their own liability, privacy, disputes and account-type terms

The contents show that several Addenda have sections of their own on matters the General Terms also cover. The Invoicing Service, the Digital Wallets terms and the Zelle Service each list a limitation of liability or no-warranties section; the Digital Wallets terms list Governing Law and Disputes; the Zelle Service lists Binding Arbitration and No Purchase Protection; the Transfers Service has Guarantees and separate consumer-account and business-account sections; and the Zelle Service has additional terms applicable only to business accounts. The contents do not show how these interact with the General Terms.

Supporting quotations

Limitation of Liability; No Warranties Addendum: Online Wire Transfer and Chase Global Transfer Services

Governing Law and Disputes

Limitation of Liability; No Warranties

Additional Terms Applicable Only to Payments and Transfers For Consumer Accounts

Our Guarantees

Additional Terms Applicable Only to Payments and Transfers for Business Accounts

Limitation of Liability: No Warranties

Binding Arbitration

No Purchase Protection

ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS

Qualifications & exceptions

• Contents entries only; the Addenda text says what each section provides.
• The Transfers Service and Zelle Service split terms between consumer and business accounts.

Not stated here

• How an Addendum section relates to the matching General Terms section is not stated in the contents list.
• The terms those entries name are not supplied here in the contents list.

Legal Rights & Agreement Rules · Restriction or exception

Account agreements and other documents control in a direct, irreconcilable conflict

You also agree to follow other written requirements Chase provides in connection with the Digital Platforms, Services or Products, including terms in account agreements, loan documents, cardmember agreements, EULAs and privacy policies (the Other Documents), and all applicable state, federal and international laws and regulations. If there is a direct and irreconcilable conflict between this agreement and the Other Documents, the Other Documents control unless this agreement specifically says otherwise. The agreement is not meant to modify the Other Documents, which continue to apply to your accounts.

Supporting quotations

such other written requirements as we may provide in connection with the Digital Platforms, Services, or Products, including all terms and conditions contained in any account agreements, loan documents, cardmember agreements, EULA, and privacy policies (collectively, the "Other Documents"); and (b) all applicable state, federal and international laws and regulations. To the extent there is a direct and irreconcilable conflict between this Agreement and the Other Documents, the Other Documents shall control unless this Agreement specifically states otherwise.

This Agreement is not intended to modify the Other Documents and the Other Documents will continue to apply to your accounts.

Qualifications & exceptions

• The Other Documents win only in a direct and irreconcilable conflict.
• An exception applies where this agreement specifically states otherwise.

Not stated here

• The Other Documents themselves are not part of this document, so what they say cannot be described here.

Legal Rights & Agreement Rules · Restriction or exception

This agreement outranks employee statements; third-party services have their own terms

If the agreement conflicts with statements made by one of Chase's employees or by its affiliates' employees, the agreement governs. When you use services or features that are available through the Digital Platforms but provided directly by third parties, your use is also governed by the agreements and other terms of those third parties.

Supporting quotations

If this Agreement conflicts with any statements made by one of our employees or by our affiliates’ employees, this Agreement will govern. When using other services or features available through the Digital Platforms but provided directly by third parties, your use of such services or features will also be governed by the agreements and other terms or conditions with such third parties governing use of those services or features.

Qualifications & exceptions

• Third-party terms apply in addition to this agreement for services provided directly by those third parties.

Not stated here

• The third-party terms are not part of this document.

Legal Rights & Agreement Rules · Context

How capitalized terms, headings and wording are read

Capitalized terms have the meaning given in the General Terms, the applicable Addendum or the Glossary, and terms used but not defined take their meaning from the Other Documents. Words like "herein" refer to the agreement as a whole, titles and captions are for convenience and do not limit the scope or intent of any provision, and include or including is exemplary and not exclusive even without the phrase without limitation. Plurals include singular forms, "or" and "and/or" are treated as accurate unless context suggests otherwise, and each covenant is a separate and independent covenant. The Spanish courtesy copy does not control: if the Spanish and English versions differ, English prevails.

Details not recorded for this card

Supporting quotations

Unless otherwise defined within these General Terms and Conditions or the applicable Addendum, capitalized terms have the meanings given to them in the Glossary.

All titles or captions are inserted only as a matter of convenience and for reference and in no way define, limit, construe, or describe the scope of this Agreement or the intent of any provision hereof.

The words “include,” “includes,” and “including” will be deemed to be exemplary and not exclusive

The use of “or” and “and/or” shall be deemed to be accurate throughout this Agreement unless the context suggests otherwise.

Each covenant and agreement will be construed for all purposes to be a separate and independent covenant or agreement.

the English version is the official document and will prevail.

Except as otherwise provided, the terms “hereby,” “herein,” “hereof,” “hereto,” “hereunder,” and similar terms refer to this Agreement as a whole

Defined terms include the plural as well as the singular

Qualifications & exceptions

• Titles and captions carry no limiting force under this clause.
• Spanish and English: English is the official version.

Legal Rights & Agreement Rules · Restriction or exception

You are responsible for what you tell AI features and for checking what they return

You are responsible for the accuracy and completeness of all information, instructions and requests you submit to Services that use AI, whether the AI feature is optional or required. You are also responsible for reviewing and verifying AI information or responses before you act on them, you should not rely solely on AI for important decisions, and you are encouraged to confirm information independently. You are responsible for decisions you make or actions you take in reliance on AI outputs.

Supporting quotations

You agree that you are responsible for the accuracy and completeness of all information, instructions, and requests you submit to Services that use AI, regardless of whether the AI feature is optional or required. You are also responsible for reviewing and verifying any information or responses provided by AI features before you act on the information or responses. You should not rely solely on AI for important decisions, and you are encouraged to independently confirm any information. You are responsible for any decisions you make or actions you take in reliance on AI outputs.

Qualifications & exceptions

• Applies whether the AI feature is optional or required.

Legal Rights & Agreement Rules · Restriction or exception

AI answers may be wrong and are not professional advice; AI features can change

You understand AI-generated responses may be incorrect, incomplete, out of date or not reflect your intent, and AI features may misunderstand requests, lack context, make mistakes or not work as expected. Chase cannot guarantee that AI outputs on the Digital Platforms will be uninterrupted or error-free. AI outputs are not financial, investment, legal, tax or other professional advice, guidance or recommendations and do not reflect Chase's views or policies. AI features may be updated, suspended or discontinued at Chase's discretion.

Supporting quotations

responses generated by AI may be incorrect, incomplete, out of date, or not accurately reflect your intent. AI features may misunderstand your requests, lack full context, make mistakes, or not function as expected. We cannot guarantee that our AI outputs on the Digital Platforms will be uninterrupted or error-free. AI outputs do not constitute financial, investment, legal, tax, or other professional advice, guidance or recommendations and do not reflect our views or policies. AI features may be updated, suspended, or discontinued at our discretion.

Qualifications & exceptions

• Outputs are not professional advice and do not reflect Chase's views or policies.

Legal Rights & Agreement Rules · Restriction or exception

Chase's records of your Instructions are presumed accurate and binding

Chase's records are presumed to accurately reflect the contents of your Instructions and, unless there is manifest error, are binding and conclusive.

Supporting quotations

Our records shall be presumed to accurately reflect the contents of your Instructions to us and, in the absence of manifest error, will be binding and conclusive.

Qualifications & exceptions

• Does not apply where there is manifest error.

Legal Rights & Agreement Rules · Company practice

Chase can change the agreement and Services at its sole discretion; keeping your Digital Profile means you accept

Chase may amend the terms of the agreement (including fees and service charges or adding new Addenda) or update, discontinue or modify any Digital Platforms, Services or features, including adding new Services, at any time in its sole discretion. If a change would adversely affect you, Chase will notify you in advance unless the change is necessary to comply with a legal requirement or is otherwise permitted by regulation; otherwise it will post the updated terms on the Digital Platforms and may also send email or regular mail unless the law requires a different method. Continuing to have a Digital Profile after the changes is considered your agreement. To shut down your Digital Profile you can call (877) CHASEPC (877-242-7372), and if you find the agreement unacceptable you should stop using the Digital Platforms and Services.

Supporting quotations

We may amend or change the terms of this Agreement (including applicable fees and service charges or adding new Addenda) or update, discontinue or modify any of the Digital Platforms, Services, or features to the Digital Platforms or Services (including adding additional/new Services), at any time in our sole discretion.

If any change would adversely affect you, we will notify you in advance, unless the change is necessary to comply with a legal requirement or as otherwise permitted by regulation.

Continuing to have a digital profile with us (i.e., login credentials that provide access to your account on our Digital Platforms) (“Digital Profile”) after we have made such amendments, changes, new Services or features available will be considered your agreement to the change or addition.

To shut down your Digital Profile please call (877) CHASEPC (877-242-7372).

If you find this Agreement unacceptable to you at any time, please discontinue your use of the Digital Platforms and the Services.

Qualifications & exceptions

• Advance notice is promised only for changes that would adversely affect you, and not where a legal requirement or regulation permits otherwise.
• Otherwise updated terms are posted on the Digital Platforms.

Not stated here

• How far in advance the notice is given is not stated.

Legal Rights & Agreement Rules · Company practice

Chase may send required notices by website, email, text, app message or mail

By using the Digital Platforms and any Service you agree that notices Chase must give you under the agreement may be sent, at Chase's option, in any manner the law permits, including posting on its website or the Digital Platforms, electronic notice to any email it has for you or to another email address or phone number you provide, a message through the Digital Platforms, or mail to the address it has on file.

Supporting quotations

all notices or other communications which we may be required to give you arising from our obligations under this Agreement may be sent to you by any or all of the following sources, at our option: Any manner permitted by law including posting it on our website or on the Digital Platforms; through electronic notice given to any email we have for you, any other email address or phone number you provide to us, sending a message to you via our Digital Platforms, or sending mail to the current address we have on file for you.

Qualifications & exceptions

• Chase chooses which of these methods to use, singly or together.

Legal Rights & Agreement Rules · Restriction or exception

You carry the full risk of misuse of your credentials; Chase may rely on instructions that use them

You assume the entire risk for fraudulent, unauthorized or otherwise improper use of your login credentials. Chase is entitled to rely on the genuineness and authority of all Instructions it receives accompanied by those credentials, and to act on them.

Supporting quotations

YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH LOGIN CREDENTIALS, AND TO ACT ON SUCH INSTRUCTIONS.

Qualifications & exceptions

• Applies to Instructions accompanied by your login credentials.

Not stated here

• This clause does not mention consumer protections that may apply under other documents or law, and none are described here.

Legal Rights & Agreement Rules · Restriction or exception

Chase treats your Agent's instructions as yours and does not screen them; you answer for the Agent's actions

When you let Agents use the Services with your secure customer credentials, Chase will rely on any instructions or actions by your Agent as if you took them personally, will treat them as evidence of your authorization, and has no obligation to investigate their authority or validity. You must monitor your Agent's activities to keep them within the scope you agreed, Chase will not automatically review or screen Agent activities, including transactions, and you must keep and produce on request your timely revocation of consent to the Agent's actions. You are responsible for actions or transactions the Agent enters or requests and for actions or errors resulting from the Agent's incorrect interpretation or implementation of your instructions, unintended actions or exceeding the authority you gave.

Supporting quotations

When you provide Agents with access or allow Agents to use Services with your secure customer credentials to perform any actions, access, or transactions on behalf of, for, or upon the authority of you on any of Services, you understand and accept that we will rely on any instructions or actions taken by your Agent as if they were taken by you personally, that we will consider it evidence of your authorization, and that we shall have no obligation to investigate the authority or validity of any such instructions or actions.

You agree it is your responsibility to monitor your Agent’s activities to ensure they are within your agreed-upon scope and you acknowledge that we will not automatically review or screen Agent activities including transactions, for predictability, practicality or appropriateness.

You must retain and produce to us, upon request, your timely revocation of consent to the Agent’s actions.

You are responsible for any actions or transactions entered or requested by the Agent and for any actions or errors that may result from the Agent’s incorrect interpretation or implementation of your instructions, if it performs unintended actions or exceeds the authority you gave it.

Qualifications & exceptions

• Applies when you give Agents access or allow them to use Services with your secure customer credentials.
• Additional account-level restrictions may apply.

Legal Rights & Agreement Rules · Restriction or exception

When the platforms are unavailable, use another channel; Chase is not liable for the lost access

Your access may be limited during high volume, systems upgrades and maintenance or for other reasons. If the Digital Platforms or Services are unavailable for transactions or conditions make their use inappropriate, you agree to use alternative means to transact or place orders, such as calling your J.P. Morgan Chase representative or the call center servicing your account. Chase will not be liable if you cannot access the Digital Platforms or Services or complete transactions through them.

Supporting quotations

Your ability to access the Digital Platforms or any Service may be limited during periods of high volume, systems upgrades and maintenance or for other reasons. If the Digital Platforms or Services are not available for transactions or if conditions render its use inappropriate, you agree to use alternative means to conduct transactions or place your orders, such as calling your J.P. Morgan Chase representative or the call center servicing your account. We will not be liable to you if you are unable to access the Digital Platforms or the Services, or complete transactions through them.

Qualifications & exceptions

• Chase's no-liability statement covers inability to access the platforms or complete transactions through them.

Not stated here

• The Limitation of Liability section and applicable law may affect how this applies; this section does not say.

Legal Rights & Agreement Rules · Restriction or exception

Chase and related parties are not liable for indirect or consequential damages from using the platforms

To the fullest extent permitted by law, and except as otherwise specifically set out in the agreement, Chase, its affiliates, its third parties and their respective directors, officers, employees, representatives, affiliates and agents are not liable to you or any third party for indirect, incidental, special, compensatory, consequential or exemplary damages arising from or relating to access to, use of or inability to use, or availability or lack of availability of the Digital Platforms, Services or Products. This applies regardless of the form of action and even if Chase was advised of the possibility of such damages.

Supporting quotations

TO THE FULLEST EXTENT PERMITTED BY LAW, AND EXCEPT AS OTHERWISE SPECIFICALLY SET FORTH IN THIS AGREEMENT, WE, OUR AFFILIATES, ANY OF OUR THIRD PARTIES, AND ANY OF OUR OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES, AND AGENTS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES THAT ARISE FROM, REGARD OR RELATE TO, OR RESULT FROM THE ACCESS TO, USE OF (OR INABILITY TO ACCESS OR USE), OR AVAILABILITY OF (OR LACK THEREOF) THE DIGITAL PLATFORMS, SERVICES, OR PRODUCTS, REGARDLESS OF THE FORM OF THE ACTION AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Qualifications & exceptions

• Applies to the fullest extent permitted by law and except as otherwise specifically set forth in the agreement.
• Covers indirect, incidental, special, compensatory, consequential and exemplary damages, not every kind of damage.

Not stated here

• Other sections and Addenda set their own liability terms, which are analyzed where they appear.

Legal Rights & Agreement Rules · Restriction or exception

Liability limits do not cancel Chase's duty of good faith and care and survive termination

A provision of the agreement that limits Chase's liability does not negate its duty, if any, under applicable law to act in good faith and with reasonable care. If a provision limits liability in a way applicable law prohibits, it will nonetheless be enforced to the fullest extent that law permits. The Limitation of Liability section survives termination of the agreement.

Supporting quotations

Any provision of this Agreement that limits our liability does not negate our duty (if any) under applicable law to act in good faith and with reasonable care. If any provision of this Agreement is determined to limit our liability in a way prohibited by applicable law, the provision will nevertheless be enforced to the fullest extent permitted under that law.

This Section shall survive termination of this Agreement.

Qualifications & exceptions

• The preserved duty is Chase's duty, if any, under applicable law.
• A provision prohibited by law is still enforced to the extent permitted.

Legal Rights & Agreement Rules · Company commitment

You represent you are authorized and will obtain needed written authorizations

You acknowledge, represent, warrant and covenant to Chase that you are authorized to enter into the agreement, including each Addendum as applicable, and to bind you and your business as applicable. You will obtain all written authorizations Chase needs to perform the Services that applicable law, rules and regulations require, and will give Chase copies if asked. You are also authorized to have viewing access to any account you access through the Digital Platforms or any Service.

Supporting quotations

You acknowledge, represent, warrant, and covenant to us that:

you are authorized to enter into this Agreement, including each Addendum, as applicable, and to bind you and your business (as applicable) hereto;

you shall obtain all written authorizations necessary to enable us to perform the Services and that are required by applicable law, rules, and regulations, and shall furnish us with copies of authorizations if requested;

you are authorized to have viewing access to any account that you access through the Digital Platforms or any Service;

Qualifications & exceptions

• These are your promises to Chase, listed in Section 12.
• Copies of authorizations are required if Chase requests them.

Legal Rights & Agreement Rules · Restriction or exception

You promise to follow the law, avoid international ACH and prohibited uses

You represent and covenant that you will not use any Service for international ACH transactions, which the agreement prohibits, and that you will comply with the agreement and all laws, rules and regulations that apply to your use of the Digital Platforms, Services and Products, including those on exports or imports of software and related property, use or remote use of software and related property, or registration of any Addendum. You also promise not to use the Digital Platforms or any Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority.

Supporting quotations

you will not use any Service for international ACH transactions, which are prohibited under this Agreement;

you will comply with this Agreement and all laws, rules and regulations applicable to you in your use of the Digital Platforms, Services, and Products, including those pertaining to

(a) exports or imports of software and related property; (b) use or remote use of software and related property; or (c) registration of any Addendum;

you will not use the Digital Platforms or any Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority.

Qualifications & exceptions

• International ACH transactions are prohibited under the agreement.

Legal Rights & Agreement Rules · Restriction or exception

Platforms and Services are provided as is, with all warranties disclaimed

Except as the agreement expressly provides, Chase provides no warranties about your use of the Digital Platforms and Services. They are provided on an as is, where is and where available basis and are subject to change at any time without notice. Chase and its third-party service providers make no warranty that they will be uninterrupted, timely, secure or error-free unless stated otherwise on the Digital Platforms, site or in an applicable agreement. To the fullest extent permitted by law Chase disclaims all representations, warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement, and no license is implied by the disclaimers.

Supporting quotations

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THIS AGREEMENT, YOU UNDERSTAND AND AGREE THAT WE PROVIDE NO WARRANTIES REGARDING YOUR USE OF THE DIGITAL PLATFORMS AND SERVICES. THE DIGITAL PLATFORMS AND SERVICES ARE INFORMATION, SOFTWARE, HARDWARE, CAPTURE DEVICES, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) PROVIDED ON AN “AS IS” “WHERE- IS” AND “WHERE AVAILABLE” BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

MAKE NO WARRANTY THAT THE DIGITAL PLATFORMS OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE DIGITAL PLATFORMS, SITE OR IN ANY APPLICABLE AGREEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON- INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

Qualifications & exceptions

• Applies except as otherwise expressly provided in the agreement, or as stated on the platforms or in an applicable agreement.
• Disclaimer applies to the fullest extent permitted by law.

Legal Rights & Agreement Rules · Restriction or exception

Disputes about the platforms go to binding arbitration at either party's election, with listed exclusions

You and Chase agree that, if either of you elects, any claims or disputes (as defined below in the section) pertaining to the digital platforms, products and services in the agreement will be resolved by binding arbitration and not in court, except for matters in small claims court. The arbitration agreement is made under the Federal Arbitration Act. Disputes about the underlying accounts, loans, credit cards and similar matters are resolved under the Other Documents that cover them, and disputes in connection with an Investment Account are resolved under the agreement governing that Investment Account and are not subject to this section's dispute provisions.

Supporting quotations

upon the election of either of us, any claims or disputes (as defined below) pertaining to the digital platforms, products, and services in this agreement will be resolved by binding arbitration as discussed below and not through litigation in any court (except for matters in small claims court).

This arbitration agreement is entered into pursuant to the Federal Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA").

Any dispute, claim or controversy about the underlying accounts, loans, credit cards, etc. will be resolved pursuant to the provisions of the Other Documents (as defined in Section 1 above) pertaining to them.

Any dispute, claim or controversy in connection with an Investment Account will be resolved pursuant to the provisions of the agreement governing your Investment Account and is not subject to the dispute provisions of this Section.

Qualifications & exceptions

• Arbitration happens upon the election of either party.
• Small claims court matters are excepted.
• Disputes about underlying accounts, loans and credit cards, and about Investment Accounts, are excluded and handled under other documents.

Not stated here

• What counts as a claim or dispute, and how to opt out or arbitrate, are covered in the rest of this section.
• The Other Documents and the Investment Account agreement are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Unless you opt out, you give up court, judge, jury and class proceedings for covered disputes

The agreement states that you have a right to opt out of the agreement to arbitrate. Unless you opt out, you and Chase waive the right to have a dispute heard before a judge or jury or otherwise decided by a court or government tribunal, and also waive any ability to assert or participate in a class, representative or consolidated proceeding, in court or in arbitration. Except as stated in the section, all disputes must be resolved by binding arbitration when either you or Chase requests it.

Supporting quotations

YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW. UNLESS YOU OPT OUT OF ARBITRATION, YOU AND WE ARE WAIVING THE RIGHT TO HAVE OUR DISPUTE HEARD BEFORE A JUDGE OR JURY, OR OTHERWISE TO BE DECIDED BY A COURT OR GOVERNMENT TRIBUNAL, AND YOU AND WE ARE ALSO WAIVING ANY ABILITY TO ASSERT OR PARTICIPATE IN CLASS, REPRESENTATIVE, OR CONSOLIDATED PROCEEDING, WHETHER IN COURT OR IN ARBITRATION. ALL DISPUTES, EXCEPT AS STATED BELOW, MUST BE RESOLVED BY BINDING ARBITRATION WHEN EITHER YOU OR WE REQUEST IT.

Qualifications & exceptions

• The waivers apply unless you opt out of arbitration.
• Applies to disputes within the arbitration section's scope, subject to its stated exceptions.

Legal Rights & Agreement Rules · Restriction or exception

Arbitrable Claims cover all theories and remedies, past, present and future, including prior similar agreements

Claims or disputes between you and Chase about the digital platforms, products and services in the agreement are subject to arbitration. This includes any claims or disputes arising from or relating to the agreement or any prior agreements of a similar type between you, whatever theory they are based on and whether they seek legal or equitable remedies, and whether they arose in the past, exist now or arise in the future. These are all called Claims in the section.

Supporting quotations

upon the election of either of us, any claims or disputes (as defined below) pertaining to the digital platforms, products, and services in this agreement will be resolved by binding arbitration

Claims or disputes between you and us about the digital platforms, products, and services in this agreement are subject to arbitration. Any Claims or disputes arising from or relating to this Agreement or any prior agreements of similar type between us are included. Claims or disputes are subject to arbitration, regardless of what theory they are based on or whether they seek legal or equitable remedies. Arbitration applies to any and all such claims or disputes, whether they arose in the past, may currently exist or may arise in the future. All such claims or disputes are referred to in this section as "Claims."

Qualifications & exceptions

• Claims are defined as disputes about the digital platforms, products and services in this agreement and related prior agreements of a similar type.
• Disputes about underlying accounts, loans and credit cards, and Investment Accounts, are excluded under the section's opening paragraph.

Cross-references

• contrast (model-proposed): Glossary: Claim covers any dispute arising now or later in any way related to the agreement — The Glossary defines Claim broadly as any dispute arising now or later under or relating in any way to the agreement, while the arbitration section defines Claims for its own purposes as disputes about the digital platforms, products and services with listed exclusions. The document does not say how the two definitions relate outside the arbitration section.

Legal Rights & Agreement Rules · User right or choice

Either side may use small claims court instead of arbitration

The only exception to arbitration of Claims is that both you and Chase have the right to pursue a Claim in small claims court instead of arbitration, if the Claim is within that court's jurisdiction and proceeds on an individual basis.

Supporting quotations

The only exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basis.

Qualifications & exceptions

• The Claim must be within the small claims court's jurisdiction and proceed on an individual basis.

Legal Rights & Agreement Rules · User right or choice

You can opt out of arbitration only within 60 days of accepting the agreement

You may opt out of the agreement to arbitrate if you tell Chase within sixty days of accepting the agreement, and opt-out requests made more than sixty days after initial acceptance are invalid. An opt-out does not apply to litigation or arbitration already pending against or with Chase when you accept. To opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile or in Chase Mobile or JP Morgan Mobile. Opting out does not affect the other provisions of the agreement and applies only to this arbitration agreement, not any other.

Supporting quotations

You have the right to opt out of this agreement to arbitrate if you tell us within sixty (60) days of accepting this Agreement. Requests to opt out of this Agreement that are made more than sixty (60) days after the initial acceptance of this Agreement are invalid.

If you already have pending litigation or arbitration against/with us when you accept this Agreement, any request to opt out of this arbitration clause will not apply to that litigation or arbitration.

If you want to opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile or on Chase Mobile or JP Morgan Mobile.

Opting out of this agreement to arbitrate will not affect the other provisions of this Agreement. If you validly opt out of this agreement to arbitrate, your decision to opt out will apply only to this arbitration agreement and not any other arbitration agreement.

Qualifications & exceptions

• Deadline: within sixty (60) days of accepting the agreement.
• Not applicable to litigation or arbitration already pending when you accept.
• Applies only to this arbitration agreement, not any other.

Not stated here

• The agreement does not say whether a later acceptance of a changed version restarts the sixty days.

Legal Rights & Agreement Rules · Restriction or exception

Arbitration is individual only: no class, representative or public injunctive claims

Claims in arbitration proceed on an individual basis, on behalf of the named parties only. You and Chase each agree not to seek to proceed on a claim in arbitration as a class claim, class action, private attorney general proceeding or other representative proceeding; not to seek to consolidate claims involving different claimants (except claimants on the same account) unless Chase agrees; not to be part of or represented in a class or representative action brought by anyone else; and not to seek any award or remedy in arbitration against or on behalf of anyone who is not a named party, including public injunctive relief.

Supporting quotations

Claims in arbitration will proceed on an individual basis, on behalf of the named parties only.

YOU AND WE AGREE NOT TO:

SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE PROCEEDING;

SEEK TO CONSOLIDATE IN ARBITRATION ANY CLAIMS INVOLVING DIFFERENT CLAIMANTS (EXCEPT FOR CLAIMANTS WHO ARE ON THE SAME ACCOUNT), UNLESS WE AGREE;

BE PART OF, OR BE REPRESENTED IN, ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE; NOR

SEEK ANY AWARD OR REMEDY IN ARBITRATION AGAINST OR ON BEHALF OF ANYONE WHO IS NOT A NAMED PARTY TO THE ARBITRATION, INCLUDING BUT NOT LIMITED TO PUBLIC INJUNCTIVE RELIEF.

Qualifications & exceptions

• Consolidation is allowed for claimants on the same account, or if Chase agrees.
• The restrictions bind both you and Chase.

Legal Rights & Agreement Rules · Restriction or exception

A court decides whether the class-action limits are enforceable; unenforceable parts go to court

Any question about the enforceability or interpretation of the class and representative action section is decided by a court and not the arbitrator. If a court finds any of its terms legally unenforceable for a Claim or relief sought, then Claims and relief for which arbitration is enforceable must be filed and decided in arbitration, the rest are decided in court, the court litigation is stayed until the arbitration of all other Claims is finished, and when litigation resumes the court may consider but is not bound by the arbitrator's determinations. For example, if a Claim seeks public injunctive relief and other relief and the ban on public injunctive relief is unenforceable, the public injunctive relief request would be decided in court after the other relief is decided in individual arbitration. No arbitrator may entertain a Claim for a person who is not a named party or make an award for or against such a person.

Supporting quotations

Any question regarding the enforceability or interpretation of this section (“What about class actions or representative actions?”) shall be decided by a court and not the arbitrator. If a court determines that any of the terms of this section are legally unenforceable for any reason with respect to a Claim or request for relief sought in connection with a Claim, then you and we agree that the arbitration and litigation shall proceed as follows: (1) all Claims or requests for relief for which arbitration is legally enforceable must be filed and adjudicated in arbitration; (2) any Claims or requests for relief for which arbitration is not legally enforceable will be decided through litigation in court; (3) any Claims or requests for relief that are to be decided through litigation in court will be stayed pending completion of the arbitration of all other Claims or requests for relief; and (4) when litigation in court resumes, the Court may consider but will not be bound by any determination made by the arbitrator.

By way of example, if a Claim seeks both public injunctive relief and other relief, and the prohibition on an award of public injunctive relief is found to be unenforceable, then the request for public injunctive relief will be decided in litigation in the court after Claims seeking other relief had been adjudicated in arbitration on an individual basis.

no arbitrator shall have authority to entertain any Claim on behalf of a person who is not a named party, nor shall any arbitrator have authority to make any award for the benefit of, or against, any person who is not a named party.

Qualifications & exceptions

• Applies if a court finds a term of the class and representative action section unenforceable for a Claim or request for relief.
• The court is not bound by the arbitrator's determinations.

Legal Rights & Agreement Rules · Restriction or exception

Third parties can be pulled into arbitration; "you" and "we" are defined broadly

Arbitration applies whenever there is a Claim between you and Chase. If a third party is also involved in a Claim between you and Chase, the Claim is decided with respect to the third party in arbitration too, and the third party must be named as a party under the arbitration rules. The arbitrator grants no award or relief except on behalf of, or against, a named party. For arbitration, you includes any person listed on your account, and we includes J.P. Morgan Chase, all its affiliates and all third parties regarded as its agents or representatives in connection with a Claim, including an unaffiliated third party to whom Chase assigns your account. The arbitration may not be consolidated with any other arbitration proceeding.

Supporting quotations

Arbitration applies whenever there is a Claim between you and us. If a third party is also involved in a Claim between you and us, then the Claim will be decided with respect to the third party in arbitration as well, and it must be named as a party in accordance with the rules of procedure governing the arbitration.

No award or relief will be granted by the arbitrator except on behalf of, or against, a named party.

For purposes of arbitration, “you” includes any person who is listed on your account, and “we” includes J.P. Morgan Chase, all its affiliates, and all third parties who are regarded as agents or representatives of ours in connection with a Claim. (If we assign your account to an unaffiliated third party, then “we” includes that third party.)

The arbitration may not be consolidated with any other arbitration proceeding.

Qualifications & exceptions

• A third party involved in a Claim between you and Chase must be named as a party.
• Anyone listed on your account counts as you; affiliates, agents and representatives count as Chase.

Legal Rights & Agreement Rules · Procedure

The filing party picks JAMS or AAA; this agreement controls over their rules

The party filing a Claim in arbitration must select JAMS or the American Arbitration Association as the administrator, and that organization applies its rules and procedures in effect when the arbitration begins. If there is a conflict between those rules and this arbitration agreement or the agreement, this arbitration provision and the agreement control. If JAMS or the AAA cannot handle the Claim, a neutral arbitrator chosen by agreement of the parties, or by a court under the FAA if they cannot agree, arbitrates under the AAA rules of procedure.

Supporting quotations

The party filing a Claim in arbitration must select JAMS or the American Arbitration Association ("AAA") as the arbitration administrator. That organization will apply its rules and procedures in effect at the time the arbitration is commenced. If there is a conflict between the applicable rules and procedures and this arbitration agreement and/or this Agreement, this arbitration provision and this Agreement will control.

In the event that JAMS or the AAA is unable to handle the Claim for any reason, then the matter shall be arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with the FAA), pursuant to the AAA rules of procedure.

Qualifications & exceptions

• If JAMS or the AAA cannot handle the Claim, a neutral arbitrator is chosen under the AAA rules.

Not stated here

• JAMS and AAA rules are not part of this document.

Legal Rights & Agreement Rules · Procedure

A single arbitrator applies the law and can award relief only as the law and the agreement allow

The arbitrator decides the Claim under applicable law and consistently with the FAA. A single arbitrator conducts the arbitration and applies applicable substantive law, including the Uniform Commercial Code, statutes of limitation, conditions precedent to suit and recognized principles of equity, and honors claims of privilege recognized by law. The arbitrator may award a party any damages or relief permitted by law and by the agreement between you and Chase, including the limitations set out above.

Supporting quotations

The arbitrator will decide the Claim in accordance with all applicable law and consistent with the FAA. A single arbitrator will conduct the arbitration and will apply applicable substantive law, including the Uniform Commercial Code, statutes of limitation, conditions precedent to suit, and recognized principles of equity, will honor claims of privilege recognized by law.

The arbitrator will have the power to award to a party any damages or relief as permitted by the law and the agreement between you and us (including the limitations set forth above).

Qualifications & exceptions

• Awards are limited to what the law and the agreement permit, including the limitations set out earlier in the section.

Legal Rights & Agreement Rules · Restriction or exception

The arbitration ruling is final and binding; appeal only as the FAA provides

The arbitration ruling is considered final and binding and is enforceable by any court having jurisdiction. No party may seek an appeal of the ruling, except as provided under the FAA.

Supporting quotations

The arbitration ruling will be considered final and binding, and enforceable by any court having jurisdiction. No party may seek an appeal of the arbitration ruling, except as provided under the FAA.

Qualifications & exceptions

• Appeal is available only as provided under the FAA.

Legal Rights & Agreement Rules · Procedure

Claims are filed with JAMS or AAA; hearings are in your federal judicial district

Rules and forms can be obtained from, and Claims filed with, JAMS (www.jamsadr.com) or the AAA (www.adr.org). Arbitration hearings take place in the federal judicial district that includes your address when the Claim is filed, unless the parties agree to a different place.

Supporting quotations

Rules and forms may be obtained from, and Claims may be filed with, JAMS (www.jamsadr.com) or the AAA (www.adr.org). Arbitration hearings will take place in the federal judicial district that includes your address at the time the Claim is filed, unless the parties agree to a different place.

Qualifications & exceptions

• The location is based on your address when the Claim is filed unless the parties agree otherwise.

Legal Rights & Agreement Rules · Restriction or exception

The arbitration section survives termination, but it calls itself Section 13

The last sentence of the arbitration section, which is headed 14 in this document, says "This Section 13 shall survive termination of this Agreement." The same section number 13 appears in the opening notice's reference to the arbitration provision, while the heading numbered 13 in this document is No Warranties by J.P. Morgan Chase. The sentence is quoted as written, and this analysis does not decide which section is meant or rewrite the number.

Supporting quotations

This Section 13 shall survive termination of this Agreement.

Qualifications & exceptions

• The sentence appears at the end of the section headed 14, Disputes and Arbitration.

Not stated here

• The document does not say whether Section 13 here means the arbitration section; the number does not match the heading.
• Whether the No Warranties section also survives termination is not stated by this sentence.

Legal Rights & Agreement Rules · Restriction or exception

You indemnify Chase for third-party claims arising from your conduct and anyone you give access

You are responsible for your conduct, and the conduct of any individual or agent, including AI agents and agentic AI, to whom you gave access, while using the Digital Platforms and Services. You agree to indemnify, defend and hold harmless Chase, its affiliates and their officers, directors, shareholders, employees and agents from losses, claims, damages, liabilities, costs or expenses of any kind, including reasonable attorneys' and expert witness fees and costs of investigation, in connection with any third party claim resulting or arising from the situations listed in the section. If you are a business entity, the obligations extend to the acts and omissions of your employees, consultants and agents, including AI agents and agentic AI.

Supporting quotations

you are responsible for your conduct, and the conduct of any individual or agent, including AI agents and agentic AI, to whom you provided access, while using the Digital Platforms and Services and agree to indemnify, defend, and hold us, our affiliates, and each of our respective officers, directors, shareholders, employees and agents (the “J.P. Morgan Chase Indemnified Parties”) harmless from and against any loss, claim, damage, liability, cost or expense of any kind (including reasonable attorneys’ and expert witness fees and expenses and all costs of investigation) (collectively, “Losses”) in connection with any third party claim resulting or arising from:

if you are a business entity, the obligations under this Section will extend to the acts and omissions of your employees, consultants, and agents, including AI agents and agentic AI.

Qualifications & exceptions

• Covers losses in connection with a third party claim arising from the listed situations.
• For a business entity, extends to employees, consultants and agents, including AI agents.

Legal Rights & Agreement Rules · Restriction or exception

Indemnity triggers: your use, credential misuse, agents' acts, breaches and misconduct

The indemnity is triggered by your use of the Digital Platforms, any Service or Product, or use by anyone using your Card number, account number, PIN, user ID, Password or other credentials, identity verification methods or sensitive information, or your violation of the agreement or of a third party's rights, including privacy rights. It also covers the acts or omissions of you or anyone you give access to your account, including employees or agents such as AI agents, including erroneous transactions or actions beyond your agent's authority; your breach of any representation, warranty or covenant in the agreement or the Other Documents; and willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any other person or entity other than Chase.

Supporting quotations

your use of the Digital Platforms, any Service or Product, or the use of the Digital Platforms or any Service or Product by anyone using your Card number, account number, PIN, user ID or Password, or other login credentials, identity verification methods or sensitive information, or your violation of this Agreement or the rights of any third party (including privacy rights);

your acts or omissions or the acts or omissions of any other person or entity, including any employee or agent, such as AI agents or agentic AI, to whom you give access to your account, Digital Platforms of Services, including but not limited to erroneous transactions or actions that were not within the scope of your agent’s authority;

breach by you of any representation, warranty or covenant made by you under this Agreement or the Other Documents;

willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any other person or entity (other than us);

Qualifications & exceptions

• Applies to losses in connection with a third party claim.
• Negligence or misconduct of any person or entity other than Chase triggers the indemnity.

Legal Rights & Agreement Rules · Restriction or exception

More triggers: Chase relying in good faith on your credentials or authorizations, Item warranties and IP

The indemnity also covers any transmission or Instruction, authorized or not, that Chase acts on in good faith in reliance on your user IDs, Passwords or other credentials, identity verification methods or sensitive information; Chase acting, or purporting to act, or disclosing information as you authorize through electronic or written instructions granting view-only, view and update, or view and transact privileges to your agents, including AI agents, attorneys-in-fact or other third parties; your providing a phone number, email address, information and photographs of recipients from your mobile device contacts, or other delivery location that is not your own, or violating applicable law; any warranty or indemnity Chase makes about an Item under laws, regulations and industry and clearing house rules, including Federal Reserve Board Regulations CC and J; and your infringement, misappropriation or violation of a third party's property or other right.

Supporting quotations

any transmission or Instruction, whether or not authorized, acted upon by us in good faith and in reliance upon the user IDs, Passwords, or your other login credentials

our acting, purporting to act or disclosing any information in accordance with your authorization pursuant to electronic or other written instructions granting view only, view and update and view and transact privileges to the Services to your agent(s), including AI agents or agentic AI, attorney(s)-in-fact, or other third parties;

your provision of a phone number, email address, information and photographs associated with recipients contained in your mobile device contacts, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance;

any warranty or indemnity that we make with respect to an Item under any and all laws, regulations and industry and clearing house rules, including the 21st Century Act and Federal Reserve Board Regulations CC and J, applicable to the Items; and

your infringement, misappropriation, or violation of any property or other right of any third party.

Qualifications & exceptions

• Applies to losses in connection with a third party claim.
• Covers Chase's good-faith reliance on instructions, whether or not authorized.

Legal Rights & Agreement Rules · Procedure

Chase gives prompt notice of third-party claims; you cannot settle against Chase without consent

Chase will give you prompt notice of third party claims and reasonably cooperate in your defense, but you have no authority to settle any claim against a J.P. Morgan Chase Indemnified Party without that party's prior written consent, which may not be unreasonably withheld. Your obligations under this indemnity are in addition to any in the Other Documents and survive termination of the agreement.

Supporting quotations

We shall provide you with prompt notice of any third party claims and shall reasonably cooperate with you in your defense of any such claims; provided, however, you shall have no authority to settle any claim against any J.P. Morgan Chase Indemnified Party without the prior written consent of such J.P. Morgan Chase Indemnified Party (which consent shall not be unreasonably withheld).

Your obligations under this Section 17 shall be in addition to any obligations contained in the Other Documents and shall survive termination of this Agreement.

Qualifications & exceptions

• Consent to settle may not be unreasonably withheld.
• The indemnity survives termination and adds to obligations in the Other Documents.

Legal Rights & Agreement Rules · Restriction or exception

After a system failure you bear the risk of lost data and must verify transactions; you also bear Product loss

In a system failure or interruption your data may be lost or destroyed. You should verify any transaction you initiated, were completing or completed shortly before the failure by means other than the Digital Platforms or Services. Except as otherwise provided by law, you assume the risk of loss of your data during a failure and the responsibility to verify the accuracy and completeness of affected transactions. You also bear the entire risk of loss, destruction and damage to the Products from any cause, and that does not reduce your obligations.

Supporting quotations

In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction(s) that you initiated, were in the process of completing, or completed shortly before a system failure or interruption should be verified by you through means other than the Digital Platforms or Services to ensure the accuracy and completeness of such transaction(s). Except as otherwise provided by law, you assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s) so affected.

you will bear the entire risk of loss, destruction and damage to the Products from any cause whatsoever, and no such loss, destruction or damage shall impair any of your obligations hereunder which shall continue in full force and effect.

Qualifications & exceptions

• Except as otherwise provided by law.

Legal Rights & Agreement Rules · Restriction or exception

Links to third-party sites are at your own risk; Chase does not control or endorse them

Chase's websites may contain third party content and links to other apps or websites (Linked Sites). Chase is not responsible for and does not control their content, products or services, does not endorse or guarantee their products, information or recommendations, and is not liable for any failure of products or services advertised on them. A third party site may have less security than Chase and a privacy policy different from Chase's, and your access, use and reliance on that content, products or services is at your own risk.

Supporting quotations

We are not responsible for, nor do we control, the content, products, or services provided by Linked Sites. We do not endorse or guarantee the products, information or recommendations provided by Linked Sites, and are not liable for any failure of products or services advertised on those sites.

each third party site may provide less security than we do and have a privacy policy different than ours. Your access, use and reliance upon such content, products or services is at your own risk.

Qualifications & exceptions

• Third-party sites may provide less security and a different privacy policy than Chase.

Not stated here

• The third parties' own terms and privacy policies are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase may assign the agreement or delegate its duties; you may not assign it

Chase may assign its interest in the agreement, in whole or in part, to its successors or to any present or future direct or indirect subsidiary of Chase or its affiliates, and may assign or delegate certain rights and responsibilities to independent contractors or other third parties. You may not assign the agreement.

Supporting quotations

we may (a) assign our interest in this Agreement, in whole or in part, to our successors or to any now-existing or future direct or indirect subsidiary of us or our affiliates or (b) assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

You may not assign this Agreement.

Qualifications & exceptions

• Chase may assign to successors, subsidiaries and affiliates, and delegate to contractors or other third parties.
• You may not assign the agreement.

Legal Rights & Agreement Rules · Procedure

Give Chase prompt written notice of any Claim you receive about the platforms or a Service

If you receive notice of any Claim regarding the Digital Platforms or any Service, you must promptly give Chase written notice of it.

Supporting quotations

If you receive notice of any Claim regarding the Digital Platforms or any Service, you shall promptly provide us with a written notice of it.

Qualifications & exceptions

• Notice must be written and prompt.

Not stated here

• Claim here is capitalized as in the agreement, and the arbitration section defines Claims differently; this section does not say which meaning applies.

Legal Rights & Agreement Rules · Restriction or exception

Chase waives rights only in a signed writing; delay is not a waiver

Chase is not treated as having waived any right or remedy unless the waiver is in writing and signed by Chase. No delay or omission by Chase in exercising a right or remedy operates as a waiver, and a waiver on one occasion is not a bar or waiver on future occasions.

Supporting quotations

We will not be deemed to have waived any of our rights or remedies under this Agreement unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Qualifications & exceptions

• A waiver by Chase must be in writing and signed by Chase.

Legal Rights & Agreement Rules · Restriction or exception

Invalid terms are restated to reflect the original intent, and the rest of the agreement stays valid

If a provision conflicts with the governing law or is held invalid or unenforceable by a court of competent jurisdiction, it is treated as restated to reflect as nearly as possible the parties' original intentions in accordance with applicable law. The remaining provisions, and the application of the challenged provision to other persons or circumstances, are not affected and remain valid and enforceable to the full extent permitted by law. The section survives termination of the agreement.

Supporting quotations

If any provision of this Agreement conflicts with the law under which this Agreement is to be construed or if any provision of this Agreement is held invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remaining provisions of this Agreement and the application of the challenged provision to persons or circumstances other than those as to which it is invalid or unenforceable will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.

This Section 26 shall survive termination of this Agreement.

Qualifications & exceptions

• Applies to a provision that conflicts with governing law or is held invalid or unenforceable by a court of competent jurisdiction.

Legal Rights & Agreement Rules · Restriction or exception

The agreement and the Other Documents are the entire agreement and replace prior understandings

The agreement, including the Other Documents, is the entire agreement between you and Chase and supersedes all prior agreements and understandings on its subject matter, notwithstanding any oral representations or statements to the contrary.

Supporting quotations

This Agreement, including the Other Documents, constitutes the entire agreement between you and us and supersedes all prior agreements and understandings as to the subject matter hereof, notwithstanding any oral representations or statements to the contrary.

Qualifications & exceptions

• Includes the Other Documents (account agreements, loan documents, cardmember agreements, EULAs and privacy policies).
• Overrides contrary oral representations or statements.

Legal Rights & Agreement Rules · Restriction or exception

New York law governs disputes about the platforms; account and card disputes follow their own agreements

Disputes related to the Digital Platforms or Services covered by the agreement are governed by the substantive law of the State of New York, without regard to choice of law principles. Disputes relating to your accounts or Cards accessed through the Digital Platforms or Services are governed by the laws set out in the underlying account or cardmember agreement. The section survives termination of the agreement. An Addendum can state its own rule: the Digital Wallets Addendum says its terms are governed by federal law and, where state law applies, the law of the state that governs your Chase Card agreement.

Supporting quotations

Disputes related to the Digital Platforms or Services covered by this Agreement shall be governed by the substantive law of the State of New York, without regard to choice of law principles.

Any disputes relating to your account(s) or Cards accessed through the Digital Platforms or Services shall be governed by the laws set forth in the underlying applicable account or cardmember agreement.

This Section 28 shall survive termination of this Agreement.

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Chase Card is covered.

Qualifications & exceptions

• New York substantive law applies to disputes about the Digital Platforms or Services without regard to choice of law principles.
• Account and Card disputes follow the underlying account or cardmember agreement.
• The Digital Wallets Addendum has its own governing law statement.

Not stated here

• The underlying account and cardmember agreements are not part of this document, so the governing law they name cannot be stated here.

Legal Rights & Agreement Rules · Context

Glossary: what Agreement, Addendum, ACH, Alerts, Bill Payments, EULA and carrier mean

The Glossary defines the Agreement as the Digital Services Agreement together with the Addenda, as amended or modified from time to time, and an Addendum as each addendum to the agreement, including any Chase may add in the future. ACH refers to an electronic deposit to, or withdrawal from, your account that Chase receives or sends through the automated clearing house network. Alerts is a service giving customers text message, email and push notification communications about their accounts from JPMC. A Bill Payment is a one-time or repeating payment from an eligible account to companies, merchants or individuals. A Communication Service Provider is an entity that transmits, routes or provides connections for communications or access via the telephone. EULA means an end user license agreement or software license agreement establishing the purchaser's right to use the software.

Details not recorded for this card

Supporting quotations

“ACH” or “Automated | Refers to an electronic deposit to, or withdrawal from, your

Clearing House” | account that we receive or send through the “automated clearing house” network.

“Addendum” | Refers to each addendum to this Agreement, including any addendum that we may add in the future.

“Agreement” | Refers to this Digital Services Agreement, together with the Addenda, as amended or modified from time to time.

“Alerts” | Refers to a service which provides customers text message communications, email communications and push notifications regarding their accounts from JPMC.

“Bill Payment(s)” | Refers to a one-time payment or repeating payments made from an eligible account to companies, merchants, or individuals.

“Communication Service Provider” | Refers to an entity offering the transmission, routing, or providing of connections for communications or access via the telephone.

“EULA” | Refers to an end user license agreement or software license agreement whereby a licensor and purchaser establish the purchaser’s right to use the software.

Qualifications & exceptions

• Definitions apply where these capitalized terms are used in the General Terms and Addenda, unless an Addendum defines the term differently.

Legal Rights & Agreement Rules · Context

Glossary: Claim covers any dispute arising now or later in any way related to the agreement

The Glossary defines a Claim as any dispute, claim or controversy arising now or in the future under or relating in any way to the agreement, including the Digital Platforms Account or Services. The arbitration section separately defines Claims for its own purposes as disputes about the digital platforms, products and services, including prior similar agreements, and excludes some matters, so the capitalized word has more than one definition in this document and the document does not say which applies to a given use outside the arbitration section.

Supporting quotations

“Claim” | Refers to any dispute, claim or controversy arising now or in the future under or relating in any way to this Agreement, including the Digital Platforms Account or Services.

Qualifications & exceptions

• The Glossary definition covers disputes arising now or in the future under or relating in any way to the agreement.
• The arbitration section has its own definition of Claims for that section.

Not stated here

• The document does not say how the Glossary definition and the arbitration section's definition relate where the word Claim is used elsewhere, such as in the Notice of Claims section.

Cross-references

• contrast (model-proposed): Arbitrable Claims cover all theories and remedies, past, present and future, including prior similar agreements — The Glossary defines Claim broadly as any dispute arising now or later under or relating in any way to the agreement, while the arbitration section defines Claims for its own purposes as disputes about the digital platforms, products and services with listed exclusions. The document does not say how the two definitions relate outside the arbitration section.

Legal Rights & Agreement Rules · Context

Glossary: JPMC, Chase and J.P. Morgan cover affiliates, successors and agents

The Glossary defines JPMC, J.P. Morgan Chase, J.P. Morgan Chase Bank, N.A., JPMorgan Chase Bank, N.A. and Chase as JPMorgan Chase Bank, National Association, any parent company, subsidiary, affiliate, licensee, predecessor or successor of that entity that holds your accounts or provides you services, and any agent, independent contractor, designee or assignee that Chase may, at its sole discretion, involve in providing the applicable Service. J.P. Morgan and JP Morgan mean J.P. Morgan Securities LLC. J.P. Morgan Mobile and J.P. Morgan Online are the mobile and online client-facing platforms (the online one at www.jpmorganonline.com) on which certain JPMC customers, including clients of the Private Bank, manage assets and access investment, banking and credit account information.

Supporting quotations

“JPMC”, “J.P. Morgan Chase”, “J.P. Morgan Chase Bank, N.A.”, “”JPMorgan Chase | Refers to JPMorgan Chase Bank, National Association, any parent company, subsidiary, affiliate, licensee, predecessor, or successors of such entity that holds your accounts or provides you services and any agent, independent contractor, designee, or assignee that

Bank, N.A.”, “Chase” | we may, at our sole discretion, involve in the provision of the applicable Service.

“J.P. Morgan” and “JP Morgan” | Refers to J.P. Morgan Securities LLC.

“J.P. Morgan Mobile” | Refers to the mobile, client-facing platform on which certain JPMC customers, including clients of our Private Bank manage their assets and access their investment, banking and credit account information.

“J.P. Morgan Online” | Refers to the online, client-facing platform, www.jpmorganonline.com, on which certain JPMC customers, including clients of our Private Bank manage their assets and access their investment, banking and credit account information.

Qualifications & exceptions

• The Chase definition reaches affiliates, licensees, successors and anyone Chase involves in providing the Service, at Chase's sole discretion.
• J.P. Morgan and JP Morgan mean J.P. Morgan Securities LLC, a different entity from Chase.

Cross-references

• contrast (model-proposed): Glossary: we, our and us mean Chase and J.P. Morgan Securities LLC as applicable; you is broad — The Glossary defines we, our and us as JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC as applicable, and separately defines Chase and JPMC more broadly to include affiliates, successors and agents. The document does not say how the two definitions relate.

Legal Rights & Agreement Rules · Context

Glossary: Mobile Services, Online Services and Investment Account(s)

Mobile Services are any mobile products, services, functionality and associated documentation or software available on Chase Mobile or J.P. Morgan Mobile through a mobile or tablet device. Online Services are any online products, services, functionality and associated documentation or software available on Chase Online or J.P. Morgan Online through a desktop or laptop. Investment Account(s) refers to certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, as part of its trust and fiduciary services, and brokerage and advisory accounts offered through J.P. Morgan Securities LLC. The opening notice's version of this definition words the custody and trust and fiduciary services portion differently.

Details not recorded for this card

Supporting quotations

“Mobile Services” | Refers to any mobile products, services, functionality and associated documentation or software available on Chase Mobile or J.P. Morgan Mobile through the use of a mobile device or tablet device.

“Online Services” | Refers to any online products, services, functionality and associated documentation or software available on Chase Online or J.P. Morgan Online through the use of a desktop computer or laptop.

“Investment Account(s)” | Refers to certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, as part of its trust and fiduciary services, as well as brokerage and advisory accounts offered through J.P. Morgan Securities LLC.

which may include bank-managed accounts and custody, trust and fiduciary services

Qualifications & exceptions

• Mobile Services are tied to a mobile or tablet device; Online Services to a desktop or laptop.
• Investment Account(s) is a list of what the products may include.

Not stated here

• The two versions of the Investment Account definition are not reconciled in the document.

Cross-references

• contrast (model-proposed): Investment Account is defined as certain non-FDIC insured products — The opening notice and the Glossary each define Investment Account(s) as certain non-FDIC insured products, but word the custody and trust and fiduciary services portion differently. The document does not reconcile the two wordings.

Legal Rights & Agreement Rules · Context

Glossary: NACHA, NACHA Rules and RDFI

NACHA is the National Automated Clearing House Association, NACHA Rules are the Operating Rules of NACHA as amended from time to time, and RDFI is the receiving depository financial institution.

Details not recorded for this card

Supporting quotations

“NACHA” | Refers to the National Automated Clearing House Association.

“NACHA Rules” | Refers to the Operating Rules of NACHA, as amended from time to time.

“RDFI” | Refers to the receiving depository financial institution.

Qualifications & exceptions

• NACHA Rules are the rules as amended from time to time.

Not stated here

• The NACHA Operating Rules themselves are not part of this document.

Legal Rights & Agreement Rules · Context

Glossary: we, our and us mean Chase and J.P. Morgan Securities LLC as applicable; you is broad

We, our and us refer to JPMorgan Chase Bank, National Association and J.P. Morgan Securities LLC, as applicable. You, your, them and user refer to an individual or entity that owns an account or is a party-in-interest to it (such as a grantor, beneficiary or co-trustee of a trust account), an individual authorized by an owner or party-in-interest to view account information or effect transactions, or an individual with secure sign-on credentials to the Digital Platforms.

Supporting quotations

“We”, “our”, “us” | Refers to JPMorgan Chase Bank, National Association and J.P. Morgan Securities LLC (as applicable).

“You”, “your”, “them”, “user” | Refers to (i) an individual or entity that is the owner of an account or a party-in-interest to an account (such as a grantor, beneficiary or co- trustee of a trust account), (ii) an individual authorized by an account owner or a party-in-interest to view account information and/or effect transactions in an account, or (iii) an individual with secure sign-on credentials to the Digital Platforms.

Qualifications & exceptions

• We can mean Chase or J.P. Morgan Securities LLC depending on the product.
• You includes people authorized by an owner and anyone with secure sign-on credentials to the Digital Platforms.

Not stated here

• The Glossary does not say how this definition of we relates to the broader definition of JPMC and Chase.

Cross-references

• contrast (model-proposed): Glossary: JPMC, Chase and J.P. Morgan cover affiliates, successors and agents — The Glossary defines we, our and us as JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC as applicable, and separately defines Chase and JPMC more broadly to include affiliates, successors and agents. The document does not say how the two definitions relate.

Legal Rights & Agreement Rules · Restriction or exception

Addendum indemnity adds to the General Terms: your Account Administrator's and agents' actions and delays

In addition to the indemnities in the General Terms and Conditions, you will indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless from Losses in connection with any third party claim resulting or arising from your or your Account Administrator's failure to perform obligations under the Agreement; the actions, omissions or commissions of you and your agents, including your Account Administrator and any Authorized User relating to the Services; and any delay in carrying out your instructions to add, delete or modify the access rights of any Account Administrator or Authorized User until Chase has a commercially reasonable opportunity to act on a notice given under the Agreement.

Supporting quotations

In addition to the indemnities set forth in the General Terms and Conditions, you shall indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless from and against any and all Losses in connection with any third party claim resulting or arising from:

(a) failure by you or your Account Administrator to abide by or perform any obligation imposed upon you or your Account Administrator under the Agreement; (b) the actions, omissions or commissions of you and your agents, including your Account Administrator and any Authorized User relating to the Services; (c) any delay in the execution of any of your instructions to add, delete or modify the access rights of any Account Administrator or any Authorized Users until we have a commercially reasonable opportunity to act upon any notice given in accordance with the terms of this Agreement.

Qualifications & exceptions

• Covers Losses in connection with a third party claim.
• Applies to this Addendum's Service and is in addition to the General Terms indemnities.

Legal Rights & Agreement Rules · Restriction or exception

Aggregated Data is as-is information, not for trading, and Chase is not your fiduciary or adviser

The Aggregation Service is provided as is and as available, for informational purposes only, and is not meant to replace official records and statements about your assets and accounts. You should not rely on the information for trading or transactional purposes and should always verify the accuracy of Aggregated Data. Information is effective as of the most recent Aggregated Data transmitted and may be inaccurate if the transmission did not complete or the Linked Account information is inaccurate or not current, and Chase relies on the information you provide about your Linked Accounts without further verification. Chase says it is not acting as your administrative or investment fiduciary, giving legal, tax or financial advice, or otherwise providing any financial service in providing the Aggregation Service or regarding Linked Accounts.

Supporting quotations

The Aggregation Service is provided “as is” and “as available” for informational purposes only as a convenience to you, and is not intended to replace official records and statements regarding your assets and accounts. You should not rely on this information for trading or transactional purposes, and should always verify the accuracy of Aggregated Data.

Information will be effective as of the most recent Aggregated Data transmitted from your Linked Accounts and may not be accurate if that transmission was not successfully completed or the information from the Linked Account is otherwise not accurate or current, and we will rely on the information you provide regarding your Linked Accounts, without further verification or validation.

We are not acting as your administrative or investment fiduciary, giving legal, tax, or financial advice, or otherwise providing any financial service in providing the Aggregation Service or with respect to Linked Accounts.

Qualifications & exceptions

• Information reflects the most recent transmission and may be out of date or wrong if a transmission failed.
• Chase does not verify the information you provide about Linked Accounts.

Legal Rights & Agreement Rules · Restriction or exception

Aggregation Service warranties are disclaimed, subject to law that does not allow it

Chase expressly disclaims all warranties, express or implied, for the Aggregation Service and all information, products, services and content provided with it, including implied warranties of merchantability, fitness for a particular purpose, functionality, title and non-infringement and any warranties implied by course of dealing, course of performance or usage of trade. The disclaimers apply notwithstanding anything to the contrary in the Addendum, but are subject to applicable law that does not allow the exclusion of certain warranties.

Supporting quotations

We expressly disclaim all warranties of any kind as to the Aggregation Service and all information, products, services, and content provided in connection with the Aggregation Service, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, functionality, title, and non-infringement, and any warranties implied by any course of dealing, course of performance, or usage of trade, and specifically disclaims any and all implied warranties. The foregoing warranty disclaimers will apply to you notwithstanding anything to the contrary in this Addendum but subject to applicable law that does not allow the exclusion of certain warranties.

Qualifications & exceptions

• Subject to applicable law that does not allow the exclusion of certain warranties.

Legal Rights & Agreement Rules · Restriction or exception

Chase, its vendors and related parties exclude liability for nearly all Aggregation Service losses

To the maximum extent permitted by law, neither Chase nor its third-party service providers (including the Aggregation Vendor), directors, officers, employees, representatives, agents, third party financial institutions, subcontractors or their affiliates (Service Parties) are liable to you or any third party for any damages, claims or losses, direct, indirect, incidental, special, compensatory, consequential or exemplary, including lost profits, goodwill, use, data or other intangible losses, whether in contract, tort (including negligence), product liability or otherwise. The exclusion lists causes such as use or inability to use the service, third-party financial institution websites, unauthorized access to or alteration of customer data, inaccurate information you provide, acts or omissions of Chase or the Aggregation Vendor, service changes or discontinuation, errors or delays in Aggregated Data, events beyond reasonable control, theft, misuse or unauthorized release of Aggregated Data, custodian charges, loss of privacy and any other matter related to the service or reports generated from Aggregated Data.

Supporting quotations

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT NEITHER WE NOR ANY OF OUR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS (INCLUDING AGGREGATION VENDOR), DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AGENTS, THIRD PARTY FINANCIAL INSTITUTIONS AND SUBCONTRACTORS OR ANY OF THEIR RESPECTIVE AFFILIATES (COLLECTIVELY, “SERVICE PARTIES”) WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES, CLAIMS, OR LOSSES (INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES), INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, HOWSOEVER CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR OTHERWISE

(E) UNAUTHORIZED ACCESS TO OR ALTERATION OF CUSTOMER DATA OR CONTENT TRANSMITTED THROUGH THE AGGREGATION SERVICE;

(I) ANY ACT, OMISSION, PERFORMANCE, OR NON-PERFORMANCE OF US OR AGGREGATION VENDOR;

(M) THEFT, MISUSE, CORRUPTION, CONTAMINATION, LOSS, OR UNAUTHORIZED RELEASE OR RECEIPT OF AGGREGATED DATA;

(Q) ANY OTHER MATTER ARISING FROM OR RELATED TO THE AGGREGATION SERVICE OR YOUR USE OF REPORTS GENERATED USING AGGREGATED DATA.

Qualifications & exceptions

• Applies to the maximum extent permitted by law.
• The covered causes include Chase's and the Aggregation Vendor's own acts or omissions and unauthorized release of Aggregated Data.

Not stated here

• The Addendum says these terms are fundamental to the agreement and does not describe any exception for Chase's own conduct, other than the cap on direct damages.

Legal Rights & Agreement Rules · Context

ACH Collections Service Addendum is for business customers and was last updated 12/11/2025

The ACH Collections Service Addendum, marked For Business Customers Only and last updated 12/11/2025, governs your use of the ACH Collections Service. Capitalized terms not defined in the Addendum take their meaning from the General Terms and Conditions, except as the Addendum sets out otherwise, and the Addendum refers to Section 13 below for that exception. In this document the Addendum's section headed Definitions is numbered 15, and the section numbered 13 is headed Warranties; Indemnity, so the reference is quoted as written and this analysis does not decide which section is meant.

Supporting quotations

(For Business Customers Only)

Last updated: 12/11/2025

This Addendum governs your use of the ACH Collections Service. Except as otherwise set forth in this Addendum (including Section 13 below), all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.

Qualifications & exceptions

• Marked For Business Customers Only.
• The Addendum cites Section 13 for its own defined terms.

Not stated here

• The document does not say why the cited Section 13 is the exception to the use of General Terms definitions; the Definitions section is numbered 15.

Legal Rights & Agreement Rules · Restriction or exception

ACH Rules govern your Instructions and Chase's processing of them

Your issuance of Instructions and Chase's processing and release of them to the ACH system are governed by the agreement and the Rules. Undefined capitalized terms in the cited sections that are defined in the Rules take the meanings given in the Rules. The relationship between you and Chase for ACH Entries Chase originates in your name on your Instructions is governed by the applicable Rules, except as otherwise provided in the agreement or other agreements you have with Chase, and both are bound by the Rules as in effect from time to time. The text cites this Section 7 and Sections 9-12, while the heading above it is numbered 8, and the document does not explain the numbering.

Supporting quotations

Your issuance of Instructions and our processing and release of such Instructions to the ACH system shall be pursuant to the terms of this Agreement and the Rules. Undefined capitalized terms used in this Section 7 and in Sections 9-12 of this Addendum which are defined in the Rules shall have the meanings ascribed to those terms in the Rules.

The relationship between us and you with respect to ACH Entries we originate in your name based on your Instructions, shall be governed by the terms of the applicable Rules, except as otherwise provided in this Agreement or other agreements you have with us.

Qualifications & exceptions

• The Rules are applied as in effect from time to time.
• The Rules yield to terms otherwise provided in the agreement or other agreements with Chase.

Not stated here

• The Rules are not part of this document.
• The paragraph's cited section numbers do not match the heading numbers around it, and the document does not say why.

Legal Rights & Agreement Rules · Company commitment

You give Chase the warranties it gives under the ACH Rules and promise every Debit Entry complies with U.S. law

You must obtain all authorizations needed for Chase to perform the service by Debit Entries and give Chase copies if requested within the specified time. Except as specified, you are deemed to make to Chase the same warranties Chase is deemed to make under the Rules, and Chase has no responsibility for matters you so warrant. For On-Us Entries, the warranties apply from when Chase first processes them. You are not deemed to warrant Chase's power under applicable law to comply with the Rules or the conformity of Debit Entries Chase transmits to the Rules' file specifications. You also represent, warrant and acknowledge that each Debit Entry you originate complies with all applicable U.S. laws and regulations.

Supporting quotations

You shall obtain all authorizations necessary to enable J.P. Morgan Chase to perform the ACH Collections Service by Debit Entries and, if requested, shall furnish J.P. Morgan Chase with copies of such authorizations within the specified time period provided.

Except as specified below, you shall be deemed to make the same warranties to J.P. Morgan Chase as J.P. Morgan Chase is deemed to make under the Rules, and J.P. Morgan Chase shall have no responsibility with respect to matters so warranted by you. In the case of On-Us Entries, such warranties shall be deemed to apply as of the time J.P. Morgan Chase first processes such On-Us Entries.

You shall not be deemed to warrant, however: (a) the power of J.P. Morgan Chase under applicable law to comply with the requirements of the Rules; or (b) the conformity of Debit Entries transmitted by J.P. Morgan Chase to the file specifications contained in the Rules.

each Debit Entry you originate shall comply with all applicable U.S. laws and regulations.

Qualifications & exceptions

• Two warranties are excepted: Chase's legal power to comply with the Rules and conformity to the Rules' file specifications.
• For On-Us Entries the warranties apply from when Chase first processes them.

Not stated here

• The Rules and the warranties they contain are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

You also indemnify Chase and the RDFI for reversals and for Debit Entries sent on your Instructions

In addition to the indemnities in the General Terms, you agree to indemnify, defend and hold harmless the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, from Losses in connection with any third party claim resulting or arising from compliance by Chase and the RDFI with reversing requests or reversing Entries, or from Chase's transmittal of Debit Entries in accordance with Instructions issued in your name.

Supporting quotations

In addition to the indemnities set forth in the General Terms and Conditions, you also agree to indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, harmless from and against any and all Losses in connection with any third party claim resulting or arising from: (a) compliance by us and the RDFI with reversing requests or reversing Entries; or (b) the transmittal by J.P. Morgan Chase of Debit Entries in accordance with Instructions issued in your name.

Qualifications & exceptions

• Covers Losses in connection with a third party claim.
• Extends to the RDFI as applicable.

Legal Rights & Agreement Rules · Restriction or exception

ACH Rules bind you and Chase, Chase may audit your compliance, and credits are provisional

Capitalized terms not defined in the Addendum or the General Terms take their definition from the ACH Rules. The ACH Rules govern the Entries Chase sends on your behalf unless you and Chase agree otherwise, and both are bound by them. Chase may audit your compliance with the ACH Rules. A Credit Entry by an RDFI to the Receiver is provisional until the RDFI receives final settlement; if it does not, the RDFI may refund the amount credited and you are not deemed to have paid the Receiver that amount.

Supporting quotations

When we use capitalized terms in this Addendum not defined in this Addendum or in the General Terms and Conditions, the definition in the ACH Rules applies. The ACH Rules govern the Entries we send on your behalf unless you and we agree otherwise. You and we are bound by the ACH Rules. We may audit your compliance with the ACH Rules.

A Credit Entry by a RDFI to the Receiver is provisional until the RDFI receives final settlement. If the RDFI does not receive settlement, the RDFI may refund the amount credited. You are not deemed to have paid the Receiver the amount of such Credit Entry.

Qualifications & exceptions

• The Rules govern unless you and Chase agree otherwise.
• A Credit Entry is provisional until the RDFI receives final settlement.

Not stated here

• The ACH Rules are not part of this document.

Legal Rights & Agreement Rules · Company commitment

You give the same warranties as Chase gives under the ACH Rules and promise each Entry is lawful

Except as specified, you make to Chase the same warranties Chase makes under the ACH Rules, and Chase has no responsibility for those warranted matters. For On-Us Entries your warranties apply when Chase first processes the Entry. You do not warrant Chase's power under applicable law to comply with the ACH Rules or the conformity of Entries Chase transmits to the Rules' file specifications. You represent, warrant and acknowledge that each Entry you originate will comply with all applicable U.S. laws and regulations.

Supporting quotations

Except as specified below, you make the same warranties to us as we make under the ACH Rules. We do not have responsibility for such warranted matters. In the case of On-Us Entries, your warranties apply at the time we first process an On-Us Entry. You do not warrant: (a) our power under applicable law to comply with the ACH Rules; or (b) the conformity of Entries transmitted by us to the file specifications contained in the Rules.

You represent, warrant and acknowledge that each Entry you originate will comply with all applicable U.S. laws and regulations.

Qualifications & exceptions

• Two matters are excepted from your warranties: Chase's legal power to comply with the Rules and conformity to file specifications.

Not stated here

• The ACH Rules and the warranties they contain are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

You indemnify Chase and the RDFI for Entries sent on your Instructions and for complying with your requests

In addition to your other indemnification obligations, you will indemnify, defend and hold harmless the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, from Losses in connection with any third party claim resulting or arising from Chase's transmittal of Entries following your Instructions, and from Chase's or the RDFI's compliance with your request.

Supporting quotations

In addition to your indemnification obligations set forth elsewhere in this Agreement, you will indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, harmless from and against any and all Losses in connection with any third party claim resulting or arising from: (a) our transmittal of Entries following your Instructions; and

(b) our or the RDFI’s compliance with your request.

Qualifications & exceptions

• Covers Losses in connection with a third party claim.
• Extends to the RDFI as applicable.

Legal Rights & Agreement Rules · Restriction or exception

Chase is not responsible for Payees or for disputes, refunds, chargebacks or rewards between you and them

Chase is not responsible for any aspect of your relationships with Payees or for their performance or non-performance, and it does not act as a service provider of the Payees. Transactions between you and a Payee are governed by the Payee's terms and conditions. Chase does not endorse or assume any liability for any Payee you use and has no liability for payments, returns, refunds, chargebacks, loyalty and rewards related offers and benefits or any disputes between you and a Payee or other third parties.

Supporting quotations

7. J.P. Morgan Chase Is Not Responsible for Third Parties

We are not responsible for any aspect of your relationships with the Payees, or for the performance or non-performance of these third parties. We do not act as a service provider of the Payees. Transactions between you and a Payee are governed by the Payee’s terms and conditions. We do not endorse or assume any liability for any Payee you use, and we do not have any liability for payments, returns, refunds, chargebacks, loyalty and rewards related offers and benefits or any disputes between you and a Payee or other third parties.

Qualifications & exceptions

• Covers payments, returns, refunds, chargebacks, loyalty and rewards offers and benefits, and disputes between you and a Payee or other third parties.

Not stated here

• The Payees' own terms are not part of this document.

Legal Rights & Agreement Rules · User right or choice

Consumer Accounts: liability and error rights come from your account agreements

For Consumer Accounts, you are directed to your deposit account agreement for important information about your rights and obligations on liability for activity on your account, and to your home equity line of credit or other credit documents for liability for unauthorized charges or errors on those accounts. You should use your Consumer Account to send or receive payments for personal, family or household purposes and your Business Account for business purposes. For errors or questions about electronic funds transfers made through Payments and Transfers, you should consult your account agreement for details and reporting time frames.

Supporting quotations

8. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR CONSUMER ACCOUNTS.

For Consumer Accounts, please see your deposit account agreement for important information about your rights and obligations regarding liability for activity on your account. If you perform transactions from a home equity line of credit or other credit account, please see your home equity line of credit or other credit documents for information about your liability for unauthorized charges or other errors or questions relative to those accounts. You should use your Consumer Account to send or receive payments for personal, family, or household purposes, and you should use your Business Account to send or receive payments for business purposes. In the case of errors or questions about your electronic funds transfers made through Payments and Transfers, please consult your account agreement for details and reporting time frames.

Qualifications & exceptions

• Applies to Consumer Accounts.
• Consumer Accounts are for personal, family or household payments; Business Accounts for business payments.

Not stated here

• The deposit account agreement and credit documents are not part of this document, so the liability rules and reporting time frames cannot be stated here.

Legal Rights & Agreement Rules · Restriction or exception

Paper check payments fall outside these terms; the section cites its own number inconsistently

If Chase tells you the Delivery Method for your payment is paper check and makes the payment by paper check, the terms in this section do not apply to the payment, and your rights for erroneous paper checks, including those you did not authorize, are in Section V of Chase's Deposit Account Agreement. If Chase makes the payment electronically, the terms apply even if Chase told you the Delivery Method was paper check. The paragraph refers to the terms as this Section 8 in one place and this Section 2 in another, while the section is headed 8, and the document does not explain the second reference.

Supporting quotations

If we tell you the Delivery Method for your payment is paper check and make the payment by paper check, the terms in this Section 8 do not apply to the payment. For information on your rights and obligations involving erroneous paper checks (including paper checks you did not authorize), see Section V of our Deposit Account Agreement.

If we make the payment electronically, this Section 2 will apply to the payment even if we told you the Delivery Method for your payment is a paper check.

Qualifications & exceptions

• Paper check payments are excluded; electronic payments are included even if the Delivery Method was described as paper check.

Not stated here

• The Deposit Account Agreement is not part of this document.
• The reference to Section 2 does not match the section's heading number, 8, and the document does not say which provisions are meant.

Legal Rights & Agreement Rules · Restriction or exception

Business Deposit Accounts: you answer for Password-authorized payments, and late reporting bars claims

For Business Deposit Accounts only, you are responsible for all Bill Payments authorized using your Password, and if you permit others to use the Bill Payment Service or your Password you are responsible for any transactions they authorize. Chase is not liable for errors or losses you sustain in using the service except where it fails to exercise ordinary care in processing a transaction, and is not liable if the accounts involved are no longer linked for Bill Payments. Where it is liable, its liability is limited to the amount improperly transferred from your From Account less any amount that would have been lost even with ordinary care. Without regard to care or lack of care by either of you, failing to report an unauthorized Bill Payment or error within the time frames in your account agreement relieves Chase of liability for losses after the reporting period ends and you cannot assert the claim.

Supporting quotations

b. Liability for Unauthorized Bill Payments for Business Deposit Accounts Only

You are responsible for all Bill Payments that are authorized using your Password. If you permit other persons to use the Bill Payment Service or your Password, you are responsible for any transactions they authorize.

We are not liable to you for any errors or losses you sustain in using the Bill Payment Service except where we fail to exercise ordinary care in processing any transaction. We are also not liable for any failure to provide any service if the account(s) involved is no longer linked for Bill Payments. Our liability in any case shall be limited to the amount of any money improperly transferred from your From Account less any amount, which, even with the exercise of ordinary care, would have been lost.

Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized Bill Payment or error from any of your accounts in accordance with the applicable time frames set forth in your account agreement shall relieve us of any liability for any losses sustained after the expiration of such reporting period and you shall thereafter be precluded from asserting any such claim or error.

Qualifications & exceptions

• Applies to Business Deposit Accounts only.
• Chase's liability is limited to ordinary care failures and to the amount improperly transferred less what would have been lost anyway.
• Failure to report within the account agreement's time frames bars later claims.

Not stated here

• The reporting time frames are in the account agreement, which is not part of this document.

Legal Rights & Agreement Rules · Procedure

Business Deposit Accounts: errors and questions are handled under your account agreement

For errors or questions about electronic funds transfers made through Payments and Transfers on Business Deposit Accounts, the Addendum tells you to consult your account agreement for details.

Details not recorded for this card

Supporting quotations

c. Errors and Questions about Bill Payments for Business Deposit Accounts Only

In the case of errors or questions about your electronic funds transfers made through Payments and Transfers, please consult your account agreement for details.

Qualifications & exceptions

• Applies to Business Deposit Accounts only.

Not stated here

• The account agreement is not part of this document, so its error-resolution steps cannot be described.

Legal Rights & Agreement Rules · Company commitment

Your QuickDeposit warranties: accurate images, no duplicates, security, paper origin and U.S. banks only

You represent, warrant and covenant to Chase that any image it receives accurately and legibly represents all the information on the front and back of the original Item; the information you transmit includes all MICR-line information required for a substitute check and the accurate amount; no person will receive a transfer, presentment or return of, or be charged for, the Item or a representation of it so that someone is asked to pay on an Item already paid; you will not redeposit through the Service an Item previously deposited and returned unless Chase advises otherwise; you will use commercially reasonable security measures and firewalls to protect transmissions and storage and prevent unauthorized access or duplicate presentment; you will use the Service only for Items that originated as paper Items; if depositing Items for third parties to investment accounts, the owner has authorized you to negotiate and transmit them; you will transmit only Items drawn on or payable at or through banks located within the United States; and if you scan Items from outside the United States, the authorization covers cross-border transmittal.

Supporting quotations

You represent, warrant, and covenant to us that:

any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn;

the information you transmit to us corresponding to an Item contains a record of all applicable MICR-line information required for a substitute check and the accurate amount of the Item;

no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item

you will not redeposit through the Service any Item previously deposited and returned to you unless we advise you otherwise;

you will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment;

you will use the Service only to transmit Items that originated as paper Items;

if you are depositing Items on behalf of third parties, the owner of the Item has authorized you to negotiate the Item and electronically transmit the Item; (for deposits to Investment accounts),

you will only transmit Item(s) that are drawn on or payable at or through banks located within the United States; and

if you are scanning Items from a location outside of the United States, such authorization covers the cross-border transmittal of the Item.

Qualifications & exceptions

• The third-party authorization warranty applies to deposits to Investment accounts.
• Only Items drawn on or payable through U.S. banks may be transmitted.

Legal Rights & Agreement Rules · Company commitment

Classic deposit warranties begin: accurate images, MICR data and technical standards

You represent, warrant and covenant to Chase that any image it receives accurately and legibly represents all information on the front and back of the original Item as originally drawn; that the information you transmit includes all applicable MICR-line information required for a substitute check and the accurate amount of the Item; and that the Item conforms to the technical standards for an Electronic Item in Federal Reserve Board Regulation J or Federal Reserve Bank operating circulars and for a substitute check in Federal Reserve Board Regulation CC. The list of warranties continues in the next section of the document.

Supporting quotations

You represent, warrant, and covenant to us that:

any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn;

the information you transmit to us corresponding to an Item contains a record of all applicable MICR-line information required for a substitute check and the accurate amount of the Item;

the Item conforms to the technical standards for an Electronic Item set forth in Federal Reserve Board Regulation J, or Federal Reserve Bank operating circulars and for a substitute check set forth in Federal Reserve Board Regulation CC;

Qualifications & exceptions

• The warranty list continues in the next section.

Not stated here

• The remaining warranties are analyzed in the next section.

Legal Rights & Agreement Rules · Company commitment

Classic deposit warranties continue: no duplicates, security, paper origin, lawful use and third-party authority

You also represent and covenant that no person will receive a transfer, presentment or return of, or be charged for, the Item (original or a paper or electronic representation) so that someone is asked to pay on an Item already paid; that you will not redeposit through the Service an Item previously deposited and returned unless Chase advises otherwise; that you will employ commercially reasonable security measures and firewalls to protect transmissions and storage and prevent unauthorized access or duplicate presentment; that you will transmit only Items that originated as paper Items; that you will comply with all laws and regulations applicable to your use and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority; that if you deposit Items for third parties the owner authorized you to negotiate and electronically transmit them; and that if you scan Items from outside the United States, which is permitted only via an eligible mobile device or tablet, that authorization covers cross-border transmittal.

Supporting quotations

no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid;

you will not redeposit through this Service any Item previously deposited and returned to you unless we advise you otherwise;

you will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment;

you will only transmit items that originated as paper Items;

you will comply with all laws and regulations applicable to you in your use of the Service and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority;

if the you are depositing Items on behalf of third parties, the owner of the Item has authorized you to negotiate the Item and electronically transmit the Item; and

if you are scanning Items from a location outside of the United States (only permitted via an eligible mobile device or eligible tablet device), such authorization covers the cross-border transmittal of the Item.

Qualifications & exceptions

• Scanning from outside the United States is permitted only via an eligible mobile device or tablet.
• The third-party authorization applies when you deposit Items on behalf of third parties.

Legal Rights & Agreement Rules · Restriction or exception

Chase may pay matching or properly payable Positive Pay Items and need not examine signatures

Chase is authorized to pay any Item drawn on an account enrolled in Positive Pay when it receives Positive Pay Issuance Information that matches the Item, or when the Item is otherwise properly payable. Chase is not obliged to keep signature cards for your account, and whether or not it does, it is never obliged to inspect a check for the presence or authenticity of a signature or whether it is authorized. You acknowledge and agree that following these procedures instead of examining signatures counts as good faith and ordinary care by Chase in handling Items presented against the account.

Supporting quotations

c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in the Positive Pay Service for which: (i) we receive Positive Pay Issuance Information, provided the Positive Pay Issuance Information matches the corresponding information for the Item, or (ii) the Item is otherwise properly payable.

We are not obligated to maintain signature cards for your account and whether or not we do maintain signature cards; in no event shall we be obligated to inspect any check for the presence or authenticity of any signature or whether or not the signature is authorized. You acknowledge and agree that our adherence to these procedures, in lieu of signature examination, shall constitute the exercise of good faith and ordinary care by us in handling Items presented for payment against such account.

Qualifications & exceptions

• Applies to accounts enrolled in the Positive Pay Service.
• You agree that adherence to the procedures in place of signature examination is good faith and ordinary care.

Legal Rights & Agreement Rules · Restriction or exception

Positive Pay over-the-counter cashing: Chase can refuse, decides by the Positive Pay data and you indemnify

Chase may, without liability to you, refuse to pay any Item presented for encashment at a branch. If an Item drawn on a Positive Pay account is presented for encashment at a branch, you authorize Chase to pay or decline it based on the Positive Pay Service information at the teller line. Chase may charge a person who cashes an Item on your account a fee if that person is not a Chase customer. You unconditionally release, indemnify and hold harmless the J.P. Morgan Chase Indemnified Parties against Losses in connection with a third party claim arising from an Item being cashed over-the-counter, including Chase's refusal to cash any Item.

Supporting quotations

d. Over the Counter Presentment for Encashment. We may, without liability to you, refuse to pay any Item presented for encashment at any of our branch locations. If an Item drawn on an account enrolled in the Positive Pay Service is presented for encashment at one of our branch locations, you authorize us to pay or decline such Item based on the Positive Pay Service information at the teller line.

We may charge a person who cashes an Item drawn on your account a fee if that person is not our customer.

You agree to unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against any and all Losses in connection with any third party claim resulting or arising from an Item being cashed over-the-counter, including our refusal to cash any Item.

Qualifications & exceptions

• Applies to Items presented for encashment at a Chase branch.
• Covers Losses in connection with a third party claim, including a refusal to cash.

Legal Rights & Agreement Rules · Restriction or exception

Reverse Positive Pay: Chase pays Items without a timely return decision and need not examine signatures

Chase is authorized to pay any Item on a Reverse Positive Pay account for which it provides Reverse Positive Pay Information and does not receive a timely Presentment Decision, and it will return any Item for which a timely decision to return is received. Chase is not obliged to keep signature cards for your account and whether or not it does, it is never obliged to inspect an Item for the presence or authenticity of a signature or whether it is authorized. You acknowledge that following these procedures in place of signature examination is good faith and ordinary care by Chase in handling Items presented against your account.

Supporting quotations

c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in the Reverse Positive Pay Service for which we provide Reverse Positive Pay Information and do not receive a timely Reverse Positive Pay Presentment Decision. We will return any Item for which a timely Presentment Decision to return an Item is received.

We are not obligated to maintain signature cards for your account and whether or not we do maintain signature cards, in no event shall we be obligated to inspect any Item for the presence or authenticity of any signature or whether or not the signature is authorized. You acknowledge that our adherence to these procedures, in lieu of signature examination, shall constitute the exercise of good faith and ordinary care by us in handling Items presented for payment against your account.

Qualifications & exceptions

• Applies to accounts enrolled in the Reverse Positive Pay Service.

Legal Rights & Agreement Rules · Restriction or exception

The name Fraud Protection Services carries no warranty; the tools help you prevent errors and fraud

No representation or warranty of any kind is intended or to be inferred from the name Fraud Protection Services, which is a name given to the Positive Pay Service, the Reverse Positive Pay Service and the ACH Debit Block Service, available as data matching tools for your use on Chase Online to help you discharge your responsibility to prevent errors and fraud with respect to Items presented against your accounts.

Details not recorded for this card

Supporting quotations

8. Disclaimer

No representation or warranty of any kind or description is intended or to be inferred from the name “Fraud Protection Services,” which is a name given for the Positive Pay Service, the Reverse Positive Pay Service, and the ACH Debit Block Service available as data matching tools for your use on Chase Online to aid you to discharge your responsibility to prevent errors and fraud that may exist with respect to Items presented against your accounts.

Qualifications & exceptions

• The services are described as tools to aid your responsibility to prevent errors and fraud.

Legal Rights & Agreement Rules · Restriction or exception

Chase does not sell or issue the gift cards, is not responsible for their providers and offers no card support

Chase does not sell or issue the Gift Cards: when you buy one you are purchasing it from the merchant or its vendor, and it can be used only with that merchant. Chase is not responsible for any damage or harm to you or any third party from the purchase and does not warrant the availability or functionality of a Gift Card, or for acts or omissions of its gift card service provider, the merchant or their vendor. A Gift Card is subject to terms imposed by the merchant and its vendor, which Chase does not control, though nothing in them limits Chase's rights or your obligations to Chase. Chase provides no Gift Card support for issues arising after issuance, which you must take to the provider, merchant or vendor.

Supporting quotations

We do not sell or issue the Gift Cards. When you buy a Gift Card through the Gifting Service, you are purchasing a Gift Card from the merchant or its vendor that can only be used with that merchant. We are not responsible for any damage or harm to you or any third party resulting from the purchase of a Gift Card through the Gifting Service. We do not warrant the availability or functionality of a Gift Card purchased through the Gifting Service.

We are not responsible for any acts or omissions by our gift card service provider or the merchant or their vendor.

A Gift Card is subject to terms and conditions imposed by the merchant that accepts the Gift Card and the merchant’s vendor. We do not control the terms of a Gift Card purchased through the Gifting Service. Nothing in those terms and conditions limits our rights or your obligations under any agreement between you and us. We do not provide Gift Card support services related to issues arising after the issuance of the Gift Card. You must contact our gift card service provider or the merchant or their vendor to resolve issues related to a Gift Card arising after issuance of the Gift Card.

Qualifications & exceptions

• Gift Cards can be used only with the merchant that issues them.
• Chase's non-responsibility covers harm from the purchase and acts or omissions of its provider, the merchant and the vendor.

Not stated here

• The merchants' gift card terms are not part of this document.

Legal Rights & Agreement Rules · Context

Invoicing Service Addendum is an agreement with WePay, Inc., a Chase subsidiary, last updated June 2026

The Invoicing Service Addendum, last updated June 2026, governs a service to create, edit, send by email, text or other messaging channels, track and manage professional invoices for goods and services you provide to your customers (Purchasers), which can include the methods by which you wish to be paid. It states that this Addendum is a legal agreement between you and WePay, Inc., a Delaware corporation and a subsidiary of JPMorgan Chase Bank, N.A. In this Addendum we, our and us mean Chase and WePay together. Capitalized terms not defined in it take their meaning from the General Terms and Conditions except as it sets out otherwise.

Supporting quotations

Addendum: Invoicing Service

Last updated: June 2026

This Addendum governs your use of the service to create, edit, send (via email, text, or other messaging channels), track, and manage professional invoices (the “Invoicing Service”) for the goods and services you provide to share with your customers (“Purchasers”), which can include the methods by which you wish to be paid.

This Addendum is a legal agreement between you and WePay, Inc., a Delaware corporation (“WePay”). WePay is a subsidiary of JPMorgan Chase Bank, N.A. (“Chase,” and collectively with WePay, “we,” “our” or “us”).

Qualifications & exceptions

• The contracting party named for this Addendum is WePay, Inc., with Chase also included in we, our and us.
• Last updated June 2026.

Legal Rights & Agreement Rules · Restriction or exception

Invoicing may run through other Platforms and incorporates policies from chase.com, wepay.com and the Platform's site

The Invoicing Service may be provided directly through a mobile device or through integrations with websites or applications (Platforms), and the Platform you use might have its own terms of service and privacy policy that apply to you. The Agreement incorporates by reference all policies, notices and other content on Chase's and WePay's websites at www.chase.com and www.wepay.com, and policies, notices and other content about the Service on the Platform's website (together, the Website).

Supporting quotations

The Invoicing Service may be provided to you directly through a mobile device or through integrations with websites or applications (“Platforms”). The Platform through which you access the Service might have its own terms of service and privacy policy that apply to you.

This Agreement incorporates by reference all policies, notices, and other content that appear on our websites at www.chase.com and www.wepay.com as well as policies, notices, and other content concerning the Service that appear on the Platform’s website (collectively, the “Website”).

Qualifications & exceptions

• The incorporation by reference covers content on www.chase.com, www.wepay.com and the Platform's website about the Service.

Not stated here

• The policies, notices and other content on those websites and the Platform's terms and privacy policy are not part of this document, so what they say cannot be described here.

Legal Rights & Agreement Rules · Restriction or exception

No health information, business use only, no abusive content, and you handle your own tax reporting

You may not use the Invoicing Service to store, transmit or otherwise process Protected Health Information. The service is not designed to meet HIPAA, HITECH, the HIPAA Omnibus amendments or their regulations and may not be used for processing, transmitting or storing electronic PHI. You agree to use it for business purposes only and not to include abusive or other unrelated or inappropriate content in any invoice, and WePay and Chase reserve the right to terminate your use if they determine, in their sole and reasonable discretion, that you included such content. You are solely responsible for appropriate tax reporting of all funds you collect through the service, whether for goods, services, fees or tips as applicable.

Supporting quotations

You are prohibited from using the Invoicing Service to store, transmit or otherwise process any Protected Health Information (“PHI”). The Invoicing Service is not designed to comply with the requirements of the Health Insurance Portability and Accountability Act (“HIPAA”), Health Information Technology for Economic and Clinical Health Act (“HITECH”), the HIPAA Omnibus amendments and implementing regulations promulgated thereunder, and may not be used for the processing, transmission or storage of any electronic PHI.

You agree that you will use the Invoicing Service for business purposes only, and will not include any abusive or other unrelated or inappropriate content in any invoice you create using the Invoicing Service. You further acknowledge and agree that we reserve the right to terminate your use of the Invoicing Service if we determine you have included abusive, unrelated, or inappropriate content in your use of the Invoicing Service in our sole and reasonable discretion.

you agree that you are solely responsible for the appropriate tax reporting of all funds you collect through this service whether for goods, services, fees, or tips as applicable.

Qualifications & exceptions

• Protected Health Information may not be stored, transmitted or processed.
• Termination for abusive, unrelated or inappropriate content is in Chase's and WePay's sole and reasonable discretion.

Legal Rights & Agreement Rules · Restriction or exception

WePay or Chase can change features without notice; if you edit invoices you notify Purchasers and indemnify

WePay or Chase may, in its sole discretion, limit or change the features and functionality of the Invoicing Service at any time and without prior notice to you. If you edit the invoices you send, you agree to notify your Purchasers of any changes and to indemnify WePay and/or Chase and be liable for any resulting chargebacks, reversals, refunds or Payment Network Liabilities.

Supporting quotations

You acknowledge and agree that WePay or Chase may, in its sole discretion, limit or change the features and functionality of the Invoicing Service at any time and without prior notice to

you. Furthermore, you acknowledge and agree that if you choose to edit the invoices you send, you agree to notify your Purchasers of any changes you make and agree to indemnify WePay and/or Chase and agree to be liable for any resulting chargebacks, reversals, refunds, or Payment Network Liabilities.

Qualifications & exceptions

• Feature changes need no prior notice.
• The indemnity applies to resulting chargebacks, reversals, refunds or Payment Network Liabilities when you edit invoices.

Not stated here

• Payment Network Liabilities is not defined in this part of the Addendum.

Legal Rights & Agreement Rules · Restriction or exception

The service is hosted by third parties, and Chase is not liable if their unavailability affects it

The Invoicing Service is provided as a software as a service solution and Chase and WePay may use one or more third party service providers to host it, so its availability may depend on theirs. In addition to the other disclaimers and limits of liability, they will not be liable to you or any third party if unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.

Supporting quotations

2. Changes to the Invoicing Service; Termination

You acknowledge and agree that the Invoicing Service is provided as a software as a service solution, and in providing the Invoicing Service, we may utilize the services of one or more third party service providers to host the Invoicing Service. You understand and agree that the availability of the Invoicing Service may be dependent on the corresponding availability of these third party services. In addition to the other disclaimers and limitations on liability set forth herein, you acknowledge and agree that we will not be liable to you or any third party in the event that unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.

Qualifications & exceptions

• Applies where unavailability is caused by the acts or omissions of a third party service provider.

Not stated here

• The third party service providers are not named.

Legal Rights & Agreement Rules · Restriction or exception

Invoicing Service is as-is; if it fails or data is lost, your sole remedy is to stop using it

In accordance with the General Terms and Conditions, the Invoicing Service is provided as is and as available without warranties of any kind. If the Invoicing Service ceases to function as intended or otherwise fails, you lose access to any data, or the service is no longer accessible or available to you, your sole and exclusive remedy is to cease using it.

Supporting quotations

3. Limitation of Liability; No Warranties

are provided “as is” and “as available” without warranties of any kind. In the event that the Invoicing Service cease to function as intended or otherwise experiences a failure, you lose access to any data, and/or the Invoicing Service are no longer accessible or available to you, your sole and exclusive remedy shall be to cease using the Invoicing Service.

Qualifications & exceptions

• Applies if the service stops functioning as intended, fails, you lose data access or it becomes unavailable.

Legal Rights & Agreement Rules · Restriction or exception

Third-party hosting: Chase is not liable when a hosting provider's unavailability affects the service

The Invoicing Service is provided in whole or in part as a software as a service solution, and Chase and WePay may use one or more third party providers to host it, so availability of the service or certain features may depend on theirs. They will not be liable to you or any third party if unavailability is caused by the acts or omissions of an applicable third party service provider.

Supporting quotations

You acknowledge and agree that some or all of the Invoicing Service are provided as a software as a service solution, and in providing the Invoicing Service, we may utilize the services of one or more third party service providers to host the Invoicing Service. You understand and agree that the availability of the Invoicing Service, or certain features and functions thereof, may be dependent on the corresponding availability of these third party services. In addition to the other disclaimers and limitations on liability set forth herein, you acknowledge and agree that we will not be liable to you or any third party in the event that unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.

Qualifications & exceptions

• Applies where unavailability is caused by a third party service provider's acts or omissions.

Not stated here

• The third party providers are not named.

Legal Rights & Agreement Rules · Restriction or exception

Warranties disclaimed; any legally required implied warranty ends 30 days after first availability

The Invoicing Service is provided as is and as available, and Chase and WePay disclaim all warranties and representations, express, statutory or implied, including warranties of merchantability, satisfactory quality, fitness for a particular purpose, dealing or trade use, and non-infringement. Where legal requirements impose an implied warranty by them, that warranty ends 30 days from the date the service is first available to you. They do not warrant, endorse, guarantee or assume responsibility for any product or service advertised or offered by a Platform or other third party through the Invoicing Service, any hyperlinked website or service, or any banner or other advertising, and will not be a party to or monitor any transaction between you and third-party providers.

Supporting quotations

THE INVOICING SERVICE “AS IS” AND “AS AVAILABLE,” AND WE DISCLAIM ALL WARRANTIES AND REPRESENTATIONS, WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING WARRANTIES OF (A) MERCHANTABILITY, SATISFACTORY QUALITY, OR FITNESS FOR A PARTICULAR PURPOSE, DEALING OR TRADE USE, AND (B) NON-INFRINGEMENT.

WHERE LEGAL REQUIREMENTS IMPOSE AN IMPLIED WARRANTY BY US, SUCH WARRANTY ENDS 30 DAYS FROM THE DATE THE SERVICE IS FIRST AVAILABLE TO YOU.

WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A PLATFORM OR OTHER THIRD PARTY THROUGH THE INVOICING SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING. WE WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

Qualifications & exceptions

• An implied warranty imposed by legal requirements lasts 30 days from the date the service is first available to you.
• No responsibility for products or services offered by Platforms or other third parties.

Legal Rights & Agreement Rules · Restriction or exception

U.S. funds transfer laws, including UCC Article 4A and OFAC sanctions, govern wires and win in a conflict

The use of the service is subject to all applicable U.S. federal and state laws, regulations, rules and funds transfer arrangements, including the relevant state's Uniform Commercial Code Article 4A as may be applicable, which in a conflict with the agreement will govern. All your funds transfers must comply with U.S. laws, including regulations and economic sanctions administered by the U.S. Treasury Department's Office of Foreign Asset Control, and other applicable laws. A Consumer International Funds Transfer is also subject to additional federal laws and regulations.

Supporting quotations

9. Funds Transfer System Rules and Laws

The use of this service is subject to all applicable U.S. federal and state laws, regulations, rules and funds transfer arrangements, including the respective state’s Uniform Commercial Code Article 4A, as may be applicable, which, in the event of a conflict with this Agreement, will govern. All of your funds transfers must comply with U.S. laws, including the regulations and economic sanctions administered by the U.S. Treasury Department’s Office of Foreign Asset Control and other applicable laws.

If you make a Consumer International Funds Transfer, it is also subject to additional federal laws and regulations.

Qualifications & exceptions

• The listed laws govern if they conflict with the agreement.
• Consumer International Funds Transfers are subject to additional federal laws and regulations.

Not stated here

• The laws and regulations are not supplied in this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase is liable for wires only as UCC 4A or Regulation E require and not for others' acts or events beyond its control

Chase is responsible only for performing the services specified in the agreement. Except as otherwise agreed in writing, it is liable only for damages required to be paid under UCC 4A or, to the extent applicable, Regulation E, subpart B. Except as Regulation E, subpart B requires, it is not responsible for the acts or omissions of any other person or entity, including any processor, any country's central bank or any other financial institution, and none of them is its agent. It is not liable for failure or delay of a funds transfer or other obligations because of circumstances beyond its control, including governmental, legal or regulatory restrictions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots. It has no liability for indirect, incidental, consequential, punitive or special damages, even if advised of the possibility.

Supporting quotations

10. Failure to Perform; Limitation of Liability

We are only responsible for performing the services specified in this Agreement. Except as otherwise agreed in writing, we are liable only for damages required to be paid as provided under UCC 4A or, to the extent applicable Regulation E, subpart B. Except as required by Regulation E, subpart B, as applicable, we will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed our agent.

We will not be liable for the failure or delay of any funds transfer or for failing to meet other obligations in the Agreement because of circumstances or causes beyond our control, including governmental, legal or regulatory restrictions or prohibitions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots

IN NO EVENT SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Qualifications & exceptions

• Liability is limited to damages required under UCC 4A or, to the extent applicable, Regulation E, subpart B.
• Chase is not responsible for other parties, who are not its agents, except as Regulation E, subpart B requires.

Legal Rights & Agreement Rules · Restriction or exception

Consumer International terms apply only to personal transfers abroad and control on conflict

The Consumer International Funds Transfers section contains additional terms that apply only to Consumer International Funds Transfers. It does not apply to a transfer for delivery to a beneficiary in the United States, to one initiated by a non-consumer, or to one initiated by a consumer for non-personal, non-family or non-household purposes. If its provisions conflict with the rest of the agreement or with the agreement governing your funding account, the provisions in this section control for Consumer International Funds Transfers.

Supporting quotations

12. Consumer International Funds Transfers

This section contains additional terms applicable only to Consumer International Funds Transfers. This section does not apply to any funds transfer request for delivery to a beneficiary in the United States, to any funds transfer request initiated by a non-consumer, or to any funds transfer request initiated by a consumer for any non-personal, non-family, or non-household purposes. In the event of a conflict between a provision in this section and a provision in the rest of this Agreement, or in the agreement governing your funding account, the provision in this section will control with respect to Consumer International Funds Transfers.

Qualifications & exceptions

• Applies only to transfers by a consumer for personal, family or household purposes to a beneficiary outside the United States.
• This section controls over the rest of the agreement and the funding account agreement for those transfers.

Legal Rights & Agreement Rules · Restriction or exception

Consumer international wires: Chase.s liability follows Regulation E subpart B or UCC 4A, no indirect damages

Except as otherwise agreed in writing, Chase is liable for Consumer International Funds Transfers only for damages required to be paid under Regulation E, subpart B or, to the extent applicable, UCC 4A. Except as Regulation E, subpart B requires, it is not responsible for the acts or omissions of any other person or entity, including any processor, any country's central bank or any other financial institution, and none is its agent. It is not liable for failure or delay or for failing to meet other obligations because of circumstances beyond its control, including governmental, legal or regulatory restrictions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots, and it has no liability for indirect, incidental, consequential, punitive or special damages even if advised of the possibility.

Supporting quotations

Except as otherwise agreed in writing, we are liable only for damages required to be paid as provided under Regulation E, subpart B or, to the extent applicable, UCC 4A. Except as required by Regulation E, subpart B, we will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed our agent.

We will not be liable for the failure or delay of any funds transfer or for failing to meet other obligations in the Agreement because of circumstances or causes beyond our control, including governmental, legal or regulatory restrictions or prohibitions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots.

IN NO EVENT SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Qualifications & exceptions

• Liability is limited to damages required under Regulation E, subpart B or, to the extent applicable, UCC 4A.
• Chase is not responsible for other parties' acts except as Regulation E, subpart B requires.

Legal Rights & Agreement Rules · Context

Adding a card to P3 does not change your card agreement, which is incorporated into the P3 Terms

When a Chase P3 Card is added to P3, the terms and agreement that govern the card do not change. The applicable cardmember agreement or account agreement, as amended from time to time, is incorporated by reference as part of the P3 Terms, and you should review it for your rights and responsibilities when making purchases through P3. P3 is another way to make purchases or other transactions with the card and may let you access features of the card or its rewards programs, such as paying with points. In that case the P3 Terms, the card agreement and any rewards program agreement all apply, and the P3 Terms cover only the elements not governed by the card agreement or rewards program agreement.

Details not recorded for this card

Supporting quotations

5. Your Chase P3 Card Terms Do Not Change

When a Chase P3 Card is added or provisioned onto P3, the terms and the agreement that govern your Chase P3 Card do not change. The applicable cardmember agreement or account agreement that governs the Chase P3 Card, as amended from time to time, is incorporated by reference as part of these Terms.

P3 may also allow you to access certain features of a Chase P3 Card, or the rewards programs associated with that Chase P3 Card, such as the ability to pay with points. For avoidance of doubt, in that case, these Terms, the cardmember agreement or account agreement that governs the Chase P3 Card, and any rewards program agreement, will apply. For the avoidance of doubt, in that case, these Terms cover only those elements not governed by the cardmember agreement or account agreement that governs the Chase P3 Card, and any rewards program agreement.

Qualifications & exceptions

• The P3 Terms cover only elements not governed by the card agreement or rewards program agreement.

Not stated here

• The cardmember agreement, account agreement and rewards program agreements are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase is not responsible for P3's third parties; its role is limited to passing card information on

Using P3 may depend on your relationships with other third parties, and Chase is not responsible for any aspect of those relationships or for the performance or non-performance of these third parties. Its role is limited to providing information to a merchant, the payment network (such as Visa), PayPal and/or others, such as a payment processing entity or token service provider, so that party can honor your Chase P3 Card or facilitate your participation in loyalty and rewards programs those third parties maintain. Transactions between you and a merchant are governed by the merchant's terms and conditions.

Supporting quotations

6. J.P. Morgan Chase Is Not Responsible for Third Parties

Using P3 may depend on your relationship with other third parties. We are not responsible for any aspect of those relationships, or for the performance or non-performance of these third parties. Our role is limited to providing information to a merchant, the applicable payment network (such as Visa), PayPal, and/or others (such as a payment processing entity or a token service provider) to allow that party to honor your Chase P3 Card and/or to facilitate customer participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by those third parties. Transactions between you and a merchant are governed by the merchant’s terms and conditions.

Qualifications & exceptions

• Chase's role is limited to providing information to the merchant, payment network, PayPal and others.

Not stated here

• The merchants' terms and conditions are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Merchant Offers may require registering with the merchant, and Chase does not stand behind them

Through enrollment in P3 or required Systems you may be shown discounts, rebates or other benefits and offers from merchants. To use them you may need to register with the merchant or service provider, which may include giving personal information and agreeing to additional terms of use. Offers may not always be available and may change without notice, and Chase or a merchant may give additional terms. Chase is not liable for loss or damage from your interaction with a merchant about the offers. Subject to applicable law and your card agreement or account agreement, all matters about the offers, including delivery, returns and warranties, are solely between you and the merchant, and Chase does not endorse or warrant the merchants accessible through P3 or their offers.

Supporting quotations

8. Merchant Offers

Through your enrollment in P3 or required Systems, you may be presented with certain discounts, rebates or other benefits and offers (“Offers”) from merchants that may be of interest to you. In order to use these Offers, you may be required to register with the merchant or service provider, which may include providing personal information and agreeing to additional terms of use. Offers from merchants may not always be available and may change without notice.

We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your cardmember agreement or the account agreement that governs your Chase P3 Card, all matters related to these Offers, including delivery of goods and services, returns, and warranties, are solely between you and the applicable merchants. You acknowledge that we do not endorse or warrant the merchants that are accessible through P3 or the Offers that they provide.

Qualifications & exceptions

• Subject to applicable law and your cardmember agreement or account agreement.
• Offers may require registering with the merchant, including giving personal information.

Not stated here

• The merchants' additional terms are not part of this document.

Legal Rights & Agreement Rules · Context

Closing notes: a Spanish line on digital wallets and the card issuer statement

A Spanish-language line says that the page contains information about using your Chase Visa and Mastercard card in digital wallets and, if you have questions, to call the number on the back of your card. A closing line states that credit and debit card products are provided by JPMorgan Chase Bank, N.A., Member FDIC.

Supporting quotations

Esta página contiene información acerca del uso de tu tarjeta Chase Visa y Mastercard® en billeteras digitales. Si tienes alguna pregunta, por favor, llama al número que aparece en el reverso de tu tarjeta.

Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member FDIC

Qualifications & exceptions

• The Spanish line directs questions to the number on the back of the card.

Legal Rights & Agreement Rules · Context

Canceling Subscriptions Addendum: a third-party service, Billshark, supplements your Chase agreements

The Terms & Conditions for Canceling Subscriptions Addendum, last updated 10/24/2024, governs a service provided by a third party service provider engaged by Chase for canceling eligible subscriptions through your account on Chase Online or the Chase Mobile app. It supplements and amends your Chase Online Services Agreement, Digital Services Agreement and account agreements for deposit, card and/or loan accounts (the Account Documentation), which stay in effect, and by acknowledging or signing the Account Documentation or using the Service you agree to the Addendum. In an irreconcilable conflict the Addendum governs only for use of the Service and only to the extent of the conflict. The service provider is named as Titan Solutions Group LLC dba ApexEdge LLC aka Billshark, the owner and operator of the Service. In this Addendum you means an account owner or an authorized signer with authority to view account information and affect transactions.

Supporting quotations

Last updated: 10/24/2024

This Addendum entitled “Terms & Conditions for Canceling Subscriptions” (the "Addendum") states the terms and conditions that govern your use of the service provided by a third party service provider engaged by us and acting pursuant to an agreement with us for canceling eligible subscriptions through your account on Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) (the "Service").

This Addendum will be deemed to supplement and amend the terms of your Chase Online Services Agreement, Digital Services Agreement, and account agreement(s) governing your deposit, card and/or loan account(s), as applicable, and as amended from time to time (collectively, the "Account Documentation").

By acknowledging or signing the applicable Account Documentation or by using or continuing to use the Service, you agree to this Addendum. In the event of an irreconcilable conflict between this Addendum and the Account Documentation, this Addendum will govern with respect to use of the Service only, and only to the extent of such irreconcilable conflict.

“service provider”, “third party service provider” or “Billshark” means Titan Solutions Group LLC dba ApexEdge LLC aka Billshark ("Service Provider"), the owner and operator of the Service.

"you" or "your" means (1) an individual or entity that is the owner of an account or (2) an authorized signer on an account who has authority to view account information and affect transactions on such account;

Qualifications & exceptions

• The Addendum governs over the Account Documentation only for use of the Service and only for irreconcilable conflicts.
• The Service is provided by a third party service provider, Billshark, owned and operated by Titan Solutions Group LLC dba ApexEdge LLC.

Not stated here

• The service provider's own terms and privacy practices are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Merchants may require your confirmation; you must have authority and are personally liable for unauthorized requests

Your Merchant may require your verbal confirmation or additional information to verify the Service Provider is acting as your agent, and until you provide it the Service cannot be performed and the cancellation cannot be completed. You may not use the Service unless you have authority to make changes to the Merchant account and to grant that authority to the Service Provider, and by requesting it you represent and warrant that you do. You are personally liable for all fees incurred or damages that result from requesting the Service without proper authorization, and agree to indemnify Chase and the Service Provider for any damages they may incur as a result. Information the Service Provider shares with your Merchants is subject to any terms, contracts or privacy policies you agreed with the Merchants.

Supporting quotations

Your Merchant may require your verbal confirmation or additional information to verify that Service Provider is acting as your agent in order to complete your requested Subscription Cancellation. If this is the case, the Service will not be able to be performed and the Subscription Cancellation will not be able to be completed until you provide the additional information or confirmation in accordance with the method required by the Merchant.

You may not use the Service unless you have the authority to make changes to the applicable account with the Merchant and to grant that authority to Service Provider. By requesting the Service, you represent and warrant that you have such authority. You will be personally liable for all fees incurred or damages that result from requesting the Service without proper authorization, and also agree to indemnify us and Service Provider for any damages we may incur as a result.

The information shared with your Merchants by our Service Provider on your behalf for Subscription Cancellation is subject to any terms and conditions, contracts or privacy policies agreed to between you and your Merchants.

Qualifications & exceptions

• You warrant that you have authority over the Merchant account.
• The Merchants' own terms and privacy policies govern information shared with them.

Not stated here

• The Merchants' terms, contracts and privacy policies are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase has no liability for the cancellation, information sharing or the provider's and Merchants' acts

Because you requested the Service and consented to share your personal information by using it, you agree that Chase will not have any liability to you arising out of the Subscription Cancellation you request or any use, copying, loss, disclosure, sale, display or transfer of your personal information in connection with the Service. Chase does not assume responsibility or incur liability for the acts, omissions or determinations of the Service Provider or any Merchant, including products or services bought from or transactions entered into with them through the Service, or the Merchant's use and handling of your personal information. Chase is not the provider of the products or services of the Service Provider or Merchants, is not responsible for any acts, omissions, failures, errors or delays by them except as otherwise stated, and is not responsible for the performance or non-performance of the Service Provider, a Merchant or other third parties regarding any agreement you enter into with them.

Supporting quotations

7. No Liability Related to Acts of Third Parties

Because you have requested the Service and consented to share your personal information by using the Service, you agree that we will not have any liability to you arising out of the Subscription Cancellation you request or any use, copying, loss, disclosure, sale, display or transfer of your personal information in connection with the Service.

WE DO NOT ASSUME ANY RESPONSIBILITY OR INCUR ANY LIABILITY WITH RESPECT TO THE ACTS, OMISSIONS OR DETERMINATIONS OF SERVICE PROVIDER OR ANY MERCHANT, INCLUDING BUT NOT LIMITED TO, ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED FROM, OR TRANSACTIONS ENTERED INTO WITH, SERVICE PROVIDER OR THE MERCHANT THROUGH OR FROM THE SERVICE, OR THE MERCHANT’S USE AND HANDLING OF YOUR PERSONAL INFORMATION.

We are not the provider of any products or services of Service Provider or the Merchants and we are not responsible for providing any of their products or services to you, other than the Service. We are not responsible for any acts, omissions, or failure of Service Provider or the Merchant, or for any errors or delays caused by them, except as otherwise set forth herein.

We are not responsible for the performance or non-performance of Service Provider, a Merchant, or any other third parties regarding any agreement you enter into with Service Provider

Qualifications & exceptions

• Applies to the Subscription Cancellation, the personal information shared, and the acts and omissions of the Service Provider, Merchants and other third parties.
• Except as otherwise set forth in the Addendum.

Legal Rights & Agreement Rules · Restriction or exception

Chase or the provider can send notices by email, phone number, mail or posting

By using the Service you agree that notices that Chase or the Service Provider must give you under the Addendum or the Service may be sent by any or all of: electronic notice to any electronic mailbox Chase has for you; any other email address or telephone number you provide; the current address on file; or any other manner permitted by law, including posting on Chase's website.

Supporting quotations

a. Notices

You agree that by using the Service, all notices or other communications which we or Service Provider may be required to give you arising from our obligations under this Addendum or the Service may be sent to you by any or all of the following sources:

Through electronic notice given to any electronic mailbox we have for you,

Any other electronic mail address or telephone number you provide to us,

The current address we have on file for you, or

In any other manner permitted by law including, but not limited to, posting it on our website.

Qualifications & exceptions

• Chase or the Service Provider may use any or all of these methods.

Legal Rights & Agreement Rules · Company practice

Chase or the provider may change features at will; notice only if legally required, and use means you accept

Chase or the Service Provider may from time to time introduce new features, or modify or delete existing features, in their sole discretion. Chase notifies you of these changes only if it is legally required to do so. By using any new or modified features when they become available you agree to be bound by the rules and terms concerning them.

Supporting quotations

b. New Features; Change in Service

We or Service Provider may, from time to time, introduce new features to the Service or modify or delete existing features in our sole discretion. We shall notify you of any of these changes to features if we are legally required to do so. By using any new or modified features when they become available, you agree to be bound by the rules and terms concerning these features.

Qualifications & exceptions

• Notice of feature changes is given only if legally required.

Legal Rights & Agreement Rules · Restriction or exception

Canceling Subscriptions: liability for nearly all losses is excluded; your sole remedy is to stop

Except as specifically set out in the Addendum or where the law requires a different standard, you agree that Chase, the Service Provider and their officers, directors, agents and employees are not liable for any loss, damage or injury or for any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to the system, equipment or browser; access to or use of the Service; any transaction conducted through or facilitated by the Service; claims from errors, omissions or inaccuracies in the Service, including transfer of inaccurate information; unauthorized access to, use or alteration of your transmissions of personal information; equipment, internet or communication failures; and any other matter relating to the Service, even if advised of the possibility. If you are dissatisfied with the Service or these Terms, your sole and exclusive remedy is to discontinue using the Service.

Supporting quotations

d. Limitation of Liability; No Warranties

EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT WE, SERVICE PROVIDER AND OUR RESPECTIVE OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO:

UNAUTHORIZED ACCESS TO, USE OR ALTERATION OF YOUR TRANSMISSION(S) OF PERSONAL INFORMATION;

AND ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF WE OR SERVICE PROVIDER HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICE OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

Qualifications & exceptions

• Except as specifically set forth in the Addendum or where the law requires a different standard.
• The listed causes include unauthorized access to or alteration of your personal information transmissions.
• Your sole remedy for dissatisfaction is to stop using the Service.

Legal Rights & Agreement Rules · Restriction or exception

The Service is provided as-is at your sole risk with warranties disclaimed

Except as otherwise expressly provided in any applicable agreement, you understand and agree that your use of the Service is at your sole risk and that the Service and all information, products and other content, including third party information, products and content, included in or accessible from the sites are provided as is, where is and where available and are subject to change at any time without notice. Chase makes no warranty that the Service will be uninterrupted, timely, secure or error-free unless otherwise stated on the site or in an applicable agreement. To the fullest extent permitted by law Chase disclaims all representations, warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement of proprietary rights, and no license is implied by the disclaimers.

Supporting quotations

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND THAT THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

YOU ACKNOWLEDGE THAT WE MAKE NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

Qualifications & exceptions

• Except as otherwise expressly provided in any applicable agreement.
• Disclaimer applies to the fullest extent permitted by law.

Legal Rights & Agreement Rules · Restriction or exception

You indemnify Chase and the Service Provider for your conduct and anyone using your information

In addition to the indemnities in the General Terms, you acknowledge you are personally responsible for your conduct while using the Service and agree to indemnify and hold Chase, the Service Provider and their officers, directors, employees and agents harmless from any loss, damage, liability, cost or expense of any kind, including reasonable attorneys' fees, that they may incur in connection with a third party claim or otherwise in relation to your use of the Service, use of the Service by anyone using your personal information, card number, account number, PIN, User ID or Password, or your violation of these Terms or the rights of any third party, including privacy rights. Your obligations survive termination of the Terms.

Supporting quotations

e. Indemnification

In addition to the indemnities set forth in the General Terms and Conditions, you also acknowledge and agree that you are personally responsible for your conduct while using the Service and agree to indemnify and hold us, Service Provider, and our respective officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys' fees) that we or they may incur in connection with a third party claim or otherwise, in relation to your use of the Service or the use of the Service by anyone using your personal information, card number, account number, PIN, User ID or Password or your violation of these Terms or the rights of any third party (including, but not limited to, privacy rights). Your obligations under this paragraph shall survive termination of these Terms.

Qualifications & exceptions

• Covers a third party claim or otherwise.
• Survives termination of the Terms.

Legal Rights & Agreement Rules · Context

Putting your card in a wallet does not change your Card Member Agreement, which stays in force

The terms and agreement that govern your Chase Card do not change when the card is added to, provisioned in or Activated in a Wallet. The applicable Card Member Agreement or account agreement, as amended from time to time, is incorporated by reference as part of these Terms and stays in full force and effect, and you should review them for your rights and responsibilities when making transactions through a Wallet.

Details not recorded for this card

Supporting quotations

3. Your Chase Card Terms Do Not Change

The terms and agreement that govern your Chase Card do not change when the Chase Card is added to, provisioned in, or Activated in a Wallet. The applicable Card Member Agreement or account agreement that governs the Chase Card, as amended from time to time, are incorporated by reference as part of these Terms and remain in full force and effect.

Not stated here

• The Card Member Agreement and account agreement are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase is not the provider of third-party wallets and is not responsible for their failures or agreements

Chase is not the Wallet Provider of Wallets it does not own and operate (third-party Wallets) and is not responsible for providing their services. It is only responsible for securely supplying information to the third-party Wallet provider so the Chase Card can be used there. It is not responsible for any failure of a third-party Wallet, errors in or caused by it, delays, or an inability to use it for any transaction, or for the performance or non-performance of a third-party Wallet Provider or other third parties regarding any agreement you enter into with them.

Supporting quotations

5. Chase Is Not Responsible for a Third-Party Wallet

Chase is not the Wallet Provider of non-Chase owned and operated Wallets (“third-party Wallets”), and we are not responsible for providing third-party Wallet services to you. Chase is only responsible for supplying information securely to the third-party Wallet provider to allow usage of the Chase Card in a third-party Wallet.

We are not responsible for any failure of a third-party Wallet, for any errors in or caused by the third-party Wallet or delays caused by or the inability to use a third-party Wallet for any transaction. We are not responsible for the performance or non-performance of a third-party Wallet Provider or any other third parties regarding any agreement you enter into with a third-party Wallet Provider or associated third-party relationships that may impact your use of a third-party Wallet.

Qualifications & exceptions

• Applies to Wallets not owned and operated by Chase.

Not stated here

• The third-party Wallet providers' agreements are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Wallet Terms follow federal law and the state law of your card agreement; disputes follow the card agreement

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Chase Card is covered. Disputes arising out of or relating to these Terms are subject to any dispute resolution procedures in your Chase Card agreement.

Details not recorded for this card

Supporting quotations

9. Governing Law and Disputes

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Chase Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Chase Card agreement.

Qualifications & exceptions

• Applies to these Wallet Terms, not to the rest of the Digital Services Agreement.

Not stated here

• The Chase Card agreement and its dispute resolution procedures are not part of this document.

Legal Rights & Agreement Rules · Company practice

Chase can end or change the Wallet Terms and your wallet use at any time; you end them by removing your cards

Chase can terminate the Wallet Terms at any time and can change them, or add or delete items, at any time, and your use of a Chase Card in a Wallet after Chase has made changes available is considered your agreement. Chase gives notice if required by law and can assign the Terms. Subject to applicable law it may at any time terminate your use of any Chase Card in connection with a Wallet, modify or suspend the type or dollar amounts of transactions allowed, change a card's eligibility for use with a Wallet, or change the card authentication process. You cannot change the Terms, but you can terminate them at any time by removing all Chase Cards from the Wallet, and you may not assign them.

Supporting quotations

10. Ending or Changing these Terms; Assignments

We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. Your use of a Chase Card in a Wallet after we have made such changes available will be considered your agreement to the changes. We will provide notice if required by law. We can also assign these Terms.

Furthermore, subject to applicable law, at any time we may (i) terminate your use of any Chase Card in connection with a Wallet, (ii) modify or suspend the type or dollar amounts of transactions allowed using Chase Cards in connection with a Wallet, (iii) change a Chase Card's eligibility for use with a Wallet and/or (iv) change the Chase Card authentication process.

You cannot change these terms, but you can terminate these Terms at any time by removing all Chase Cards from the Wallet. You may not assign these Terms.

Qualifications & exceptions

• Notice of changes is given if required by law.
• Subject to applicable law for the listed actions on your use of a Chase Card in a Wallet.

Legal Rights & Agreement Rules · Company practice

Chase may send Wallet notices by website posting, email, phone number or mail; contact 1-888-364-7250

Chase can give you notices about the Wallet Terms and your use of a Chase Card in a Wallet by posting on its website, through electronic notice to any electronic mailbox it maintains for you or any other email address or telephone number you provide, or by contacting you at the current address on file. You may contact Chase at 1-888-364-7250.

Details not recorded for this card

Supporting quotations

12. Notices

We can provide notices to you concerning these Terms and your use of a Chase Card in a Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1-888-364-7250.

Legal Rights & Agreement Rules · Restriction or exception

Chase is not liable for losses from adding a card to a wallet or using a wallet, and disclaims wallet warranties

Chase is not and shall not be liable for any loss, damage or injury or for any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to adding a Chase Card to a Wallet or your access to or use of a Wallet. To the fullest extent permitted by law, Chase disclaims all representations, warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement of proprietary rights, as to any and all Wallets and all information, products and other content included in or accessible from them.

Supporting quotations

13. Limitation of Liability; No Warranties

CHASE IS NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO THE ADDING OF A CHASE CARD TO A WALLET, OR YOUR ACCESS OR USE OF A WALLET.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ANY AND ALL WALLETS AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT INCLUDED IN OR ACCESSIBLE FROM THE WALLETS.

Qualifications & exceptions

• The warranty disclaimer applies to the fullest extent permitted by law.

Legal Rights & Agreement Rules · Restriction or exception

Consumer Accounts: liability rules sit in your deposit, credit and brokerage agreements

For Consumer Accounts the Addendum tells you to see your deposit account agreement for important information about your rights and obligations on liability for activity on your account. If you perform transactions from a home equity line of credit or other credit account, you should see those credit documents for your liability for unauthorized charges, errors or questions. Concerns about other transactions in your Investment Account, or errors on confirmations and statements from J.P. Morgan Securities LLC, must be reported under your Brokerage Account Agreement.

Supporting quotations

2. Additional Terms Applicable Only to Payments and Transfers For Consumer Accounts

For Consumer Accounts, please see your deposit account agreement for important information about your rights and obligations regarding liability for activity on your account. If you perform transactions from a home equity line of credit or other credit account, please see your home equity line of credit or other credit documents for information about your liability for unauthorized charges or other errors or questions relative to those accounts.

Concerns about other transactions in your Investment Account or errors on your confirmations and statements from J.P. Morgan Securities LLC must be reported in accordance with the terms of your Brokerage Account Agreement.

Qualifications & exceptions

• Applies to Consumer Accounts.

Not stated here

• The deposit account agreement, the credit documents and the Brokerage Account Agreement are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase is liable for transfers it fails to complete correctly, except in listed cases

If Chase does not complete a transfer to or from a Consumer Account in the correct amount or according to its agreement with you, it is liable for the damages the law imposes in such cases, but it is not liable in some cases, for example: if, through no fault of Chase, your account lacks sufficient funds and the transfer would exceed any credit line or overdraft; if your operating system or software was not functioning properly and it was evident to you when you began the transfer; for circumstances beyond its control such as fires, floods, acts of God and power outages; if the Payee or, for External Account transfers, the third party institution mishandles or delays processing or posting; or if you did not give complete and correct transfer information, including the institution name, account number and amount. The list is only illustrative and does not list all circumstances where Chase would not be liable.

Supporting quotations

2.2 Our Liability for Failure to Complete Payments and Transfers

If we do not complete a transfer to or from a Consumer Account in the correct amount or according to our agreement with you, we will be liable for those damages as the law imposes in such cases.

If, through no fault of ours, your account does not contain sufficient funds to make the transfer and the transfer would exceed any credit line or any overdraft for such account.

Your operating system or software was not functioning properly at the time you attempted to initiate such transfer and it was evident to you at the time you began the transfer.

Circumstances beyond our control, such as fires, floods, acts of God, power outages and the like.

The Payee or, for Payments and Transfers from an External Account, the third party financial institution holding your account mishandles or delays processing or posting a transfer sent by Payments and Transfers.

If you have not provided us with complete and correct transfer information, including without limitation the financial institution name, account number and transfer amount for a transfer.

The list of examples set out in this paragraph is meant to illustrate circumstances under which we would not be liable for failing to make a transfer and is not intended to list all of the circumstances where we would not be liable.

Qualifications & exceptions

• Applies to transfers to or from a Consumer Account.
• The listed cases are examples, not a complete list.

Legal Rights & Agreement Rules · Restriction or exception

Business Deposit Accounts: you carry Password-authorized transfers and the risk of misuse; late reporting bars claims

For Business Deposit Accounts only, you are responsible for all Payments and Transfers authorized using your Password, and for transactions authorized by anyone you permit to use the Services or your Password. Account access through the Online Service is separate from your existing signature arrangements, so a person you give access may reach accounts they could not otherwise sign on, and you assume the entire risk of fraudulent, unauthorized or improper use of your Password. Chase may rely on the genuineness and authority of instructions accompanied by your Password. Chase is not liable for errors or losses except where it fails to exercise ordinary care, nor for services if the account is no longer linked, and its liability is limited to the funds improperly transferred less what would have been lost anyway. Failing to report an unauthorized Transfer or error within the time frames in your account agreement relieves Chase of liability for later losses and bars the claim.

Supporting quotations

b. Liability for Unauthorized Payments and Transfers for Business Deposit Accounts Only

You are responsible for all Payments and Transfers that are authorized using your Password. If you permit other persons to use the Services or your Password, you are responsible for any transactions they authorize. NOTE: ACCOUNT ACCESS THROUGH THE ONLINE SERVICE IS SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS. THEREFORE, WHEN YOU GIVE AN INDIVIDUAL THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE ONLINE SERVICE, THAT INDIVIDUAL MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS.

YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH PASSWORD, AND TO ACT ON SUCH INSTRUCTIONS.

We are not liable to you for any errors or losses you sustain in using the Online Service except where we fail to exercise ordinary care in processing any transaction. We are also not liable for any failure to provide any service if the account(s) involved is no longer linked for Payments and Transfers. Our liability in any case shall be limited to the amount of any funds improperly transferred from your From Account less any amount, which, even with the exercise of ordinary care, would have been lost.

Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized Transfer or error from any of your accounts in accordance with the applicable time frames set forth in your account agreement shall relieve us of any liability for any losses sustained after the expiration of such reporting period and you shall thereafter be precluded from asserting any such claim or error.

Qualifications & exceptions

• Applies to Business Deposit Accounts only.
• Chase's liability is limited to failures of ordinary care and to the funds improperly transferred less amounts that would have been lost with ordinary care.
• Late reporting bars claims regardless of care.

Not stated here

• The reporting time frames are in the account agreement, which is not part of this document.

Legal Rights & Agreement Rules · Context

Zelle Service Addendum (last updated 10/16/2026) covers Chase's Zelle and QuickPay product names

The Zelle Service Addendum, last updated 10/16/2026, governs your use of the Zelle service with Chase. References to Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay, Chase QuickPay with Zelle, QuickPay, Send Money with Zelle, Chase Person-to-Person QuickPay, Chase QuickPay for Small Business, Zelle and J.P. Morgan QuickPay, or another trade name or trademark Chase determines, mean the Zelle Service for this Addendum. Capitalized terms not defined in it take their meaning from the General Terms and Conditions except as it sets out otherwise, and it refers to Section 17 below for that exception. In this document the section headed Definitions is numbered 20 and the one numbered 17 is headed Termination, so the cited number is quoted as written.

Supporting quotations

Last updated: 10/16/2026

This Addendum governs your use of the Zelle® service with Chase as described herein. References to Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay®, Chase QuickPay® with Zelle®, QuickPay, Send Money with Zelle®, Chase Person- to-Person QuickPay, Chase QuickPay for Small Business, Zelle, and J.P. Morgan QuickPay, or other trade name or trademark as determined by us, mean, for purposes of this Addendum, the "Zelle® Service", "Zelle Service" or "Service".

Except as otherwise set forth in this Addendum (including Section 17 below), all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.

Qualifications & exceptions

• Covers the product names listed and any other trade name Chase determines.

Not stated here

• The cited Section 17 does not match the numbering of the Addendum's Definitions section.

Legal Rights & Agreement Rules · Restriction or exception

Zelle texts or emails sent for you: you warrant consent, your name may appear, you indemnify Chase

For any text messages you send through Chase or Zelle, or that Chase or Zelle send on your behalf to an email address or mobile number, you represent that you have the recipient's consent to send those emails or automated text messages. You understand that emails or texts sent by Chase or by Zelle on your behalf may include your name. You agree to indemnify, defend and hold Chase harmless from claims, losses, liability, costs and expenses, including reasonable attorneys' fees, arising from your provision of a phone number, email address or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance, and the obligation survives termination of the agreement.

Supporting quotations

In the case of any text messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle sends on your behalf may include your name.

Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a phone number, email address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the agreement.

Qualifications & exceptions

• The indemnity survives termination of the agreement.

Legal Rights & Agreement Rules · Restriction or exception

Do not request money for overdue debts, money owed to others or court-ordered amounts; you indemnify Chase and Zelle

By using the Service you agree not to use it to request money for the payment or collection of an overdue or delinquent debt, to request money owed to another person, or to collect amounts owed under a court order. You agree to indemnify, defend and hold harmless the J.P. Morgan Chase Indemnified Parties and Zelle, including its officers, directors, employees and agents, from Losses in connection with any third party claim arising from any request for money you send that relates to overdue or delinquent amounts.

Supporting quotations

By using the Service, you agree that you will not use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order.

You agree to indemnify, defend, and hold the J.P. Morgan Chase Indemnified Parties and Zelle (including its officers, directors, employees and agents) harmless from and against any and all Losses in connection with any third party claim resulting or arising from any request for money that you send that is related to overdue or delinquent amounts.

Qualifications & exceptions

• The indemnity covers Losses in connection with a third party claim about requests for overdue or delinquent amounts.

Legal Rights & Agreement Rules · Restriction or exception

The standalone Zelle app and zellepay.com are not part of Chase's Service, and Chase disclaims liability for them

The Zelle platforms, such as the standalone Zelle mobile app and the zellepay.com site, are additional platforms owned and controlled by Zelle. They are not part of the Service and the Service is not available on them. By using the Zelle platforms you must agree to Zelle's terms and conditions, and J.P. Morgan Chase disclaims all liabilities, representations and warranties about them.

Supporting quotations

13. Terms applicable to your use of Zelle platforms

The Zelle platforms, such as the standalone Zelle mobile app and zellepay.com site, are additional platforms owned and controlled by Zelle. The Zelle platforms are not a part of the Service and the Service is not available on the Zelle platforms. By using the Zelle platforms, you will be required to agree to Zelle’s terms and conditions. J.P. Morgan Chase hereby disclaims any and all liabilities, representations and warranties with respect to the Zelle platforms.

Qualifications & exceptions

• The Zelle platforms are owned and controlled by Zelle and have their own terms.

Not stated here

• Zelle's terms and conditions are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase and Zelle are not liable for your typing errors, and you resolve disputes with other Users yourself

Neither Chase nor Zelle is liable for typos or keystroke errors you make when using the Service, including input errors in typing the recipient's Zelle ID as explained above. You agree that you, not Chase or Zelle, are responsible for resolving any payment or other disputes you have with any other User you send money to, or receive or request money from, using the Service.

Supporting quotations

15. Limitation of Liability: No Warranties

Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service, including input errors in typing the recipient’s Zelle ID as explained above.

YOU AGREE THAT YOU, NOT WE OR ZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.

Legal Rights & Agreement Rules · Restriction or exception

Zelle: Chase, Zelle and Network Banks exclude liability; the service is as-is, no cyber attack warranty

Except as specifically set out or where the law requires a different standard, Chase, Zelle, Network Banks and their respective officers, directors, agents and employees are not responsible for any loss, damage or injury or for any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to the system, equipment or browser, access to or use of the Service, equipment, internet or communication failures, bugs and errors, or any other problems due to causes beyond their control. Except as otherwise expressly provided in an applicable agreement, your use of the Service is at your sole risk and the Service and all information, products and content are provided as is, where is and where available and subject to change at any time without notice. Chase and Zelle make no warranty that the Service will be uninterrupted, timely, invulnerable to cyber attack, secure or error-free, or that defects will be corrected, unless otherwise stated on the site or in an applicable agreement. To the fullest extent permitted by law Chase disclaims all representations, warranties and conditions of any kind, and no license is implied.

Supporting quotations

15. Limitation of Liability: No Warranties

EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, WE, ZELLE, NETWORK BANKS AND OUR RESPECTIVE OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE RESPONSIBLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENANCE THEREOF, ACCESS TO OR USE OF THE SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL.

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND THAT THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

YOU ACKNOWLEDGE THAT WE AND ZELLE MAKE NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

Qualifications & exceptions

• Except as specifically set forth or where the law requires a different standard.
• The warranty disclaimer applies to the fullest extent permitted by law.
• No warranty that the Service is invulnerable to cyber attack.

Legal Rights & Agreement Rules · Restriction or exception

Zelle and Early Warning Services can enforce the arbitration provision against you

In addition to the Disputes and Arbitration section in the General Terms and Conditions, you acknowledge and agree that for any claims or disputes you assert against Zelle and Early Warning Services, LLC, Zelle and Early Warning Services, LLC are entitled to enforce the arbitration provision against you.

Supporting quotations

16. Binding Arbitration

In addition to the “Disputes and Arbitration” section in the General Terms and Conditions at the beginning of this document, you acknowledge and agree that for any claims or disputes you assert against Zelle® and Early Warning Services, LLC, Zelle® and Early Warning Services, LLC are entitled to enforce this arbitration provision against you.

Qualifications & exceptions

• Applies to claims or disputes you assert against Zelle and Early Warning Services, LLC.

Not stated here

• The General Terms arbitration section is analyzed separately; this clause adds that Zelle and Early Warning Services may enforce it.

Legal Rights & Agreement Rules · Restriction or exception

Business Deposit Accounts: you answer for transfers made with your credentials; report within 30 days

For Chase Business Deposit Accounts only, you are responsible for all transfers authorized using your Password or login credentials to access the Zelle Service, and for transactions authorized by anyone you permit to use the Service, your Password or other credentials. Chase has no liability for errors or losses you sustain using the Service except where it fails to exercise ordinary care in processing a transaction, nor for failing to provide a service if the accounts are no longer linked for use with the Service, and its liability is limited to the funds improperly transferred less any amount that would have been lost even with ordinary care. Without regard to care by either party, failing to report an unauthorized transfer or error from your Chase Accounts within thirty days of Chase providing or making available a bank statement showing it relieves Chase of liability for losses after the thirty days and bars the claim.

Supporting quotations

19. ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS

Zelle Liability for Unauthorized Transfers for Chase Business Deposit Accounts Only

You are responsible for all transfers that are authorized using your Password or login credentials to access the Zelle Service. If you permit other persons to use the Service, your Password or other login credentials, you are responsible for any transactions they authorize.

We shall have no liability to you for any errors or losses you sustain in using the Service except where we fail to exercise ordinary care in processing any transaction. We shall also not be liable for any failure to provide any service if the account(s) involved is no longer linked for use with the Service. Our liability in any case shall be limited to the amount of any funds improperly transferred from your From Account less any amount, which, even with the exercise of ordinary care, would have been lost.

Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized transfer or error from any of your Chase Accounts within thirty (30) days of our providing or making available to you a bank statement showing such unauthorized transfer or error shall relieve us of any liability for any losses sustained after the expiration of such thirty-day period and you shall thereafter be precluded from asserting any such claim or error.

Qualifications & exceptions

• Applies to Chase Business Deposit Accounts only.
• Report within thirty days of Chase providing or making available the statement showing the transfer or error.
• Chase's liability is limited to failures of ordinary care and to the funds improperly transferred less amounts that would have been lost anyway.