Chase Digital Services Agreement

Use & Processing · Permission or license

By using the Services you agree Alerts may arrive through your carrier at any hour, including 9 p.m. to 8 a.m.

By receiving or using the Services you agree that Chase may send Alert messages through your Communication Service Provider, which acts as your agent. Chase may use a phone number, email address or other delivery location in its records, or contact information you provide. You agree the alerts may be delivered at any time of day or night and specifically consent to receive them between 9 p.m. and 8 a.m. local time. Chase cannot guarantee delivery of email or other electronic notifications, which may be delayed or fail for reasons such as wireless or internet outages or storage limits.

Supporting quotations

we may send messages through your Communication Service Provider in order to deliver them to you and that your Communication Service Provider is acting as your agent in this capacity; (b) we may use a phone number, email address or other delivery location we have in our records for you or other such contact information as you may provide to us for the Service so that we may send you certain information about your applicable account; (c) the alerts may be delivered at any time of the day or night and you specifically consent to receive such alerts between the hours of 9 p.m. and 8 a.m. local time in your location; and (d) we cannot guarantee the delivery of email or other electronic notifications, and delivery may be delayed, fail, or otherwise impacted by many circumstances, including wireless or internet service provider outages, storage limitations or other factors.

Qualifications & exceptions

• Your consent covers delivery between 9 p.m. and 8 a.m. local time in your location.
• No guarantee that email or other electronic notifications arrive.

Use & Processing · Company practice

Some Services use AI and AI may be the default or only way to use them

Certain Services on the Digital Platforms may use artificial intelligence to process your requests, generate responses or assist you in managing your accounts, including investment accounts. Additional account-level restrictions may apply, and AI may be the default or only way to interact with certain Services.

Supporting quotations

Certain Services made available through the Digital Platforms may use artificial intelligence (“AI”) to process your requests, generate responses, or assist you in managing your accounts, including investment accounts. Additional account-level restrictions may apply. AI may be the default or only way to interact with certain Services.

Qualifications & exceptions

• Applies to certain Services, not all; additional account-level restrictions may apply.

Not stated here

• Which Services use AI and what the account-level restrictions are is not stated here.

Use & Processing · Permission or license

You consent to electronic communications, including from companies working for Chase

You consent to receive electronic communications and disclosures from Chase about the Digital Platforms and Services, including any Card or Chase P3 Card. You agree Chase can contact you by email at any email address you give it in connection with any J.P. Morgan Chase product, service or account, or through the mobile device on which you downloaded the Chase Mobile app, and the contact may come from companies working on Chase's behalf to service your accounts. If you revoke your consent, certain Services may be cancelled, including your P3 activation.

Supporting quotations

You consent to receive electronic communications and disclosures from us related to the Digital Platforms and Services, including any Card or Chase P3 Card. You agree that we can contact you by email at any email address you provide to us in connection with any J.P. Morgan Chase product, service or account, or through the mobile device on which you have downloaded the Chase Mobile app. It may include contact from companies working on our behalf to service your accounts. If at any time you revoke your consent to receive such electronic communications and disclosures, certain Services may be cancelled, including your P3 activation.

Qualifications & exceptions

• Revoking consent can cancel certain Services, including P3 activation.

Use & Processing · Permission or license

Permission to send notifications and to call or text your mobile number, but not for telemarketing

By accessing the Digital Platforms and using the Services you agree Chase may send you emails and other notifications through your mobile or tablet device about benefits and features you may receive. When you give Chase your mobile phone number, you give permission to contact you at that number about all your accounts. The consent allows text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls, and it may include contact from companies working on Chase's behalf. You may contact Chase at any time to change these preferences or opt out.

Supporting quotations

you agree we may send you emails and other notifications through your mobile device or tablet device regarding benefits and features that you may receive in connection with the Digital Platforms and Services. When you give us your mobile phone number, we have your permission to contact you at that number about all your accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls.

You may contact us at any time to change these preferences or to opt out of these communications.

Qualifications & exceptions

• The call and text consent covers informational and account service calls, not telemarketing or sales calls.
• You can change preferences or opt out at any time.

Use & Processing · Restriction or exception

AI Agent Terms: third-party agents are governed by their own terms, not Chase's

The AI Agent Terms apply if you use, allow, enable or cause the deployment of an AI agent or agentic AI to access, use or interact with any Services. An Agent means any software or service that takes autonomous, semi-autonomous or non-autonomous action on behalf of, or at the instruction of, any person or entity. Use of Agents to access your accounts, the platforms or Services is governed by that third party and/or your agreement with it. Chase does not provide, control or endorse the Agent, is not responsible for how it operates, its transparency or the AI models it uses, and does not review, audit or certify its security, privacy policies or data handling.

Supporting quotations

The terms in this section (“AI Agent Terms”) apply if you use, allow, enable, or cause the deployment of an AI agent or agentic AI to access, use, or interact with any Services. For the purposes of these AI Agent Terms, “Agent” means any software or service that takes autonomous, semi-autonomous, or non-autonomous action on behalf of, or at the instruction of, any person or entity.

The use of Agents to access or use your accounts, the Digital Platforms or the Services, is governed by such third party and/or your agreement with such third party. You acknowledge that we do not provide, control, endorse, nor are responsible for how the Agent operates or lack of transparency around its operation and any AI models it employs, and we do not assume responsibility for, review, audit or certify its security or privacy policies and data handling practices.

Qualifications & exceptions

• Applies when you use, allow, enable or cause the deployment of an Agent.
• Agent is defined broadly and includes non-autonomous software or services acting on instruction.

Not stated here

• The third party's own terms and your agreement with it are not part of this document.

Use & Processing · Permission or license

Chase can audit your compliance and you must provide information at your expense

Chase may periodically audit and verify your compliance with the agreement. You agree to cooperate and provide information or documents, at your expense, as Chase reasonably requests to aid in the clearing and collection process, to resolve third-party claims about any Item, or for audit purposes.

Supporting quotations

We may periodically audit and verify your compliance with this Agreement. You agree to cooperate and provide information or documents, at your expense, as may be reasonably requested by us to aid in the clearing and collection process, to resolve claims by third parties with respect to any Item, or for audit purposes.

Qualifications & exceptions

• Requests must be reasonable and tied to clearing and collection, third-party claims about an Item, or audit.
• You bear the cost of providing the information.

Use & Processing · Permission or license

You can use Aggregated Data for consolidated views, ownership and income verification and reports

You can use your Aggregated Data for services that include, but are not limited to, displaying your consolidated financial picture, verifying ownership of accounts, verifying income or assets for underwriting, and customized reports and insights. Depending on the services you choose, Chase may obtain different types of data from your Linked Accounts. By using the Aggregation Service you agree Chase may use Aggregated Data for all purposes necessary and appropriate to provide the products and services you have enrolled in.

Supporting quotations

You can use your Aggregated Data for services which include, but are not limited to, the display of your consolidated financial picture, verification of your ownership of accounts, verification of income or assets for underwriting, and customized reports and insights. Depending on the services you choose to use, we may obtain different types of data from your Linked Accounts.

By using the Aggregation Service, you agree that we may use Aggregated Data for all purposes necessary and appropriate to provide you with the products and services you have enrolled in.

Qualifications & exceptions

• The list of uses is introduced with include, but are not limited to.
• The data Chase obtains depends on the services you choose.

Use & Processing · Permission or license

Chase may also use Aggregated Data to improve tools and develop products, and non-identifying data for its own purposes

In addition, Chase may use Aggregated Data to help optimize your use of the Aggregation Service, understand which other tools, features or functionality may benefit you, and develop, offer and provide you with other products or services. Chase may use Aggregated Data that does not identify you individually, by name or any other means of personal identification, for its own business purposes without notice to or consent from you, without any time limit and without paying any fees.

Supporting quotations

we may use Aggregated Data to: help optimize your use of the Aggregation Service; understand what other of our tools, features, or functionality may be beneficial to you; and develop, offer, and provide you with other products or services.

We may use Aggregated Data that does not identify you individually, whether by name or by any other means of personal identification, for our own business purposes without notice to, or consent of, you, without any particular time limit and without the payment of any fees.

Qualifications & exceptions

• Use of non-identifying Aggregated Data for Chase's own business purposes needs no notice or consent, has no time limit and no fee.
• Use for product development and offers applies to Aggregated Data in general.

Not stated here

• The Addendum does not say how data is made non-identifying.

Use & Processing · Permission or license

You authorize Chase to follow collection Instructions and update Payor details; late ones roll over

To use the service you must provide enough information online to identify your Payors (including whether each is an individual or a business), direct the collection and let the Payor identify you as the originator of the Debit Entry, and complete required fields accurately. By giving Chase the Payors' names and account information you authorize Chase to follow the Instructions it receives through the service and to update or change your Payor information as requested or provided by your Payor. When Chase receives a collection Instruction in your name, Current Day or Future Dated, it originates a Debit Entry to the Payor's account on your behalf. ACH Collections other than Repeating ones initiated on a non-Business Day or after the Cutoff Time on a Business Day show a Send On Date of the next Business Day.

Supporting quotations

To use the ACH Collections Service you must provide sufficient information online to us to properly identify your Payor(s) (including whether a Payor is an individual or a business), direct your collection and permit the Payor to identify you as the originator of the Debit Entry to the Payor’s account. You must complete all required fields with accurate information, as directed by the ACH Collections Service screen messages.

By providing us with the names and account information of those Payors to whom you wish us to collect funds, you authorize us to follow the Instructions that we receive through the ACH Collections Service. You further authorize us to update or change any of your Payor information as requested or provided by your Payor.

When we receive a collection Instruction in your name (either Current Day or Future Dated), we will originate a Debit Entry to the Payor’s account on your behalf.

All ACH Collections (other than Repeating ACH Collections) that are initiated on any non-Business Day or after the Cutoff Time on any Business Day, will reflect a Send On Date of the next Business Day.

Qualifications & exceptions

• Chase may update Payor information as requested or provided by your Payor.
• Non-repeating collections initiated after the Cutoff Time or on a non-Business Day get the next Business Day as Send On Date.

Use & Processing · Restriction or exception

You are responsible for invoice content and for getting your Purchasers' consent to emails and texts

You are responsible for the contents, details and terms associated with any invoice you give your Purchaser, and agree not to modify the formatting, branding or disclosures WePay or Chase includes on an invoice you create. You must make sure you have any necessary consent from your Purchaser to send an email and/or text message, and you are responsible for obtaining and keeping that consent. If you send by text or certain messaging channels, your Purchaser may see the phone number of the device you send the link from, and messaging and data rates may apply.

Supporting quotations

1. General Terms Applicable to the Invoicing Service

you agree to be responsible for contents, details, and terms and conditions associated with any invoice you provide to your Purchaser. You agree that you will not modify the formatting, branding, or disclosures included by WePay or Chase on any invoice you create.

You must ensure that you have any necessary consent from your Purchaser to send an email and/or text message to them, and you acknowledge that you are responsible for obtaining and retaining such Purchaser consent. In the case of sending by text or certain messaging channels, your Purchaser may see the phone number of the device that you send the link from. Messaging and data rates may apply.

Qualifications & exceptions

• You must obtain and retain Purchaser consent for emails and texts.
• Your Purchaser may see your device's phone number when the link is sent by text or certain messaging channels.

Use & Processing · Company practice

Wire status notices come by app, email, SMS or call and reflect only Chase's processing, not receipt

Chase updates the Wire Payment activity page in the Chase mobile application and on chase.com or jpmorganonline.com, and may also send an email or message through the Digital Platforms, call you or send an SMS using the email address or mobile number you provided, and may notify you verbally but is not required to. Any status information reflects only Chase's processing of your wire and does not show its status outside Chase's systems, so completing processing does not necessarily mean the recipient was credited. If you have no email address on file, an email is undeliverable or Chase cannot send because of failures or outages beyond its reasonable control, it is your responsibility to monitor your account for the status, using chase.com, jpmorganonline.com, the mobile app, a branch or Financial Center or the call center. These notification methods are deemed commercially reasonable. Other information given when you schedule a transfer only indicates Chase received the request, not that it accepted the transfer.

Supporting quotations

Notifications: We will update Wire Payment activity page in the Chase mobile application and chase.com or jpmorganonline.com regarding the status of your wire transfer. We may also send you an email notification or message via our Digital Platforms regarding the status of your funds transfer. If we send you an email we will use an email address you have provided. We may also call you or send you an SMS message on the status of your funds transfer. If we send you an SMS message, we will use a mobile number you have provided. We may also notify you verbally of the status of your transfer, but we are not required to do so.

Any status information we provide reflects only the status of us processing your wire transfer and does not indicate the status of your wire transfer outside of our systems. For example, when we complete processing your wire transfer that does not necessarily mean it has been credited to your recipient.

If you do not have an email address on file, if the email is returned undeliverable, or we are unable to send an email due to system failures or outages beyond our reasonable control, it is your responsibility to monitor your account for the status of your funds transfer.

These notification methods are deemed to be commercially reasonable. Any other information we may provide upon successfully scheduling a transfer is only an indication that we’ve received your request and not an indication that we’ve accepted your transfer.

Qualifications & exceptions

• Status information covers only Chase's processing of the wire.
• Notification methods are deemed commercially reasonable.
• Chase notifies verbally in some cases but is not required to.

Use & Processing · Company practice

The Service Provider acts as your representative and typically takes up to three business days

The Service Provider will attempt to cancel the Subscription with the Merchant and, if applicable, request a refund of any unused portion for you. Once it has the information it needs it will undertake the cancellation, which typically takes up to three business days though some Merchants may take longer. You should contact the Merchant directly for status or to request cancellation before the request through the Service Provider is completed. The Service Provider will contact your Merchant and, if required, identify itself as acting as your representative and/or agent with your authority, and it will not log into your account with the Merchant or represent itself as you.

Supporting quotations

Our Service Provider will attempt to cancel the Subscription with your Merchant and, if applicable, request a refund of any unused portion of your Subscription for you

which typically can take up to three (3) business days to complete, although some Merchants may take longer.

In order to perform the Service, Service Provider will contact your Merchant and if required, identify that Service Provider is acting as your representative and/or agent with your authority to do so. Service Provider will not log into your account with the Merchant nor will Service Provider represent themselves as you.

Qualifications & exceptions

• Typically up to three business days, with some Merchants taking longer.
• The Service Provider will not log into your Merchant account or represent itself as you.

Use & Processing · Permission or license

You authorize the Service Provider to speak to your Merchant for you; cancellations cannot be reversed

By using the Service to request a Subscription Cancellation you grant the Service Provider permission and authority to communicate with your Merchant on your behalf to cancel the subscriptions, services and/or features you receive from the Merchant. After you start a cancellation Chase cannot stop, cancel, reverse or modify it, and once it is completed the Merchant may limit your ability to go back to a prior rate or plan. If you contact the Merchant directly to change the account, for example to renew at a promotional rate instead of cancelling, while your request is pending, Chase cannot guarantee the cancellation will not go through as originally instructed and is not responsible for losses such as losing a newly obtained promotional rate.

Supporting quotations

By using the Service to request a Subscription Cancellation, you are granting permission and authority to Service Provider to communicate with your Merchant on your behalf in order to cancel the subscriptions, services and/or features that you receive from the Merchant, in accordance with this Addendum.

After you initiate a Subscription Cancellation through the Service, we cannot stop, cancel, reverse or modify it. Once the Subscription Cancellation has been completed, your Merchant may limit your ability to revert to a prior subscription rate or plan. If you contact the Merchant directly to make account changes (e.g., renewal at a promotional rate offered by the Merchant in lieu of cancellation) while your cancellation request through the Service is still pending, we cannot guarantee that your cancellation will not go through as originally instructed through the Service, and we will not be responsible for any losses (e.g. loss of a newly obtained promotional rate) in connection therewith.

Qualifications & exceptions

• Chase cannot stop, cancel, reverse or modify a cancellation once you initiate it.
• The Merchant may limit your ability to revert to a prior rate or plan.

Use & Processing · Permission or license

Chase may automatically load your card into Paze or other wallets if you have a digital profile

Unless otherwise stated, your Chase Card may be eligible for Chase to provision into Paze or other Wallets so you can use it there. Chase may do so if your card is in good standing and you are a Chase Card customer with an active digital profile, meaning login credentials that give access to your account on the Digital Platforms, or you are a new or existing Chase customer with a Digital Profile who opens a new Chase checking or credit card account. Other eligibility criteria may apply and may be set at Chase's sole discretion.

Supporting quotations

2. Chase Card Eligibility for PazeSM and other Wallets with Automatic Provisioning

Unless otherwise stated herein, your Chase Card may be eligible for Chase to provision your card into PazeSM or other Wallets to enable your use of your card in PazeSM or other Wallets. Your Chase Card may be eligible for provisioning, and Chase may provision your Chase Card, into PazeSM or another Wallet if your Chase Card is in good standing, you are a Chase Card customer and have an active digital profile (i.e., login credentials that provide access to your account on our Digital Platforms) (“Digital Profile”) or you are a new or existing Chase customer with a Digital Profile who opens a new Chase checking or credit card account.

Other eligibility criteria may apply and may be determined at our sole discretion.

Qualifications & exceptions

• Requires the card to be in good standing and a Digital Profile, or a new account opened by a customer with a Digital Profile.
• Other criteria may be set in Chase's sole discretion.

Not stated here

• The Addendum does not describe an opt-out from automatic provisioning in this section.

Use & Processing · Permission or license

You consent to electronic communications about your card and wallet, including from Chase's service companies

You consent to receive electronic communications and disclosures from Chase in connection with your Chase Card and a Wallet. You agree Chase can contact you by email at any email address you provide in connection with any Chase product, service or account, or through the mobile device on which you downloaded the Chase Mobile app, including contact from companies working on Chase's behalf to service your accounts. You agree to update your contact information when it changes.

Supporting quotations

7. Contacting You Electronically and by Email or through Your Mobile Device

You consent to receive electronic communications and disclosures from us in connection with your Chase Card and a Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Chase product, service or account, or through the mobile device on which you have downloaded the Chase Mobile app. Communications to you may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.

Use & Processing · Procedure

Report statement errors by phone or mail; AI features: you review and tell Chase promptly

If you think your statement is wrong, or need more information about a transaction on it, call 1-866-564-2262 or write to JPMorgan Chase Bank, N.A., PO Box 44945, Indianapolis, IN 46244-4945. Certain features of the Transfers Service may let you use AI to process requests, generate responses or help manage transfers, and you will be told when you are using AI. You are responsible for reviewing all information and transactions, including those involving AI, and for the accuracy and completeness of the instructions you submit, and if you believe information or a transaction generated or facilitated by AI is incorrect you must notify Chase promptly as the Addendum describes.

Supporting quotations

2.3 Errors and Questions about Payments and Transfers

If you think your statement is wrong, or if you need more information about a transaction listed on it, call 1-866-564-2262 or write us at JPMorgan Chase Bank, N.A., PO Box 44945, Indianapolis, IN 46244-4945.

Certain features of the Transfers Service may allow you to use artificial intelligence (“AI”) to process your requests, generate responses, or assist you in managing transfers. When you choose to interact with these features you will be informed that you are using AI. You are responsible for reviewing all information and transactions, including those involving AI, and for the accuracy and completeness of any instructions you submit. If you believe that any information or transaction generated or facilitated by AI features is incorrect or in error, you must notify us promptly as described below.

Qualifications & exceptions

• You are told when you are using AI features.
• You must notify Chase promptly of AI-generated information or transactions you believe are in error.

Use & Processing · Company practice

A Z logo shows which of your numbers, emails or tags work with Zelle; sending to others prompts enrollment

Once enrolled, a Z logo appears on your profile for each U.S. mobile number, email address and/or Zelle tag you enrolled, shown to other Users to help them choose which one to use to send you money. If a User sends you money using a different number, email address or tag they have for you that is not enrolled with Zelle, you receive a message with instructions on how to enroll. If you enroll and select a Zelle tag, the mobile phone number associated with your User profile is used as a Contact Method for communication about the Service and must meet the stated requirements.

Supporting quotations

Once enrolled, a Z logo will appear on your profile for each U.S. mobile number, email address, and/or Zelle tag (if applicable) that you have enrolled with Zelle. The Z logo will be displayed to other Users to aid them in determining which of your U.S. mobile numbers, email addresses, and/or Zelle tag should be used to send money to you with Zelle. If a User sends you money using a different U.S. mobile number, email address, or Zelle tag (if applicable) that they may have for you (for example, your e- mail or mobile phone number that is not already enrolled with Zelle), you will receive a message with instructions on how to enroll with Zelle.

If you enroll for the Service and select to use a Zelle tag, the mobile phone number associated with your User profile will be used as a Contact Method for communication related to the Service and must meet the requirements described herein.

Qualifications & exceptions

• The Z logo is displayed to other Users.
• With a Zelle tag, your associated mobile number is used as a Contact Method.

Use & Processing · User right or choice

You can block Zelle Users in the app or online, but blocking is not guaranteed and Chase has no liability if it fails

If you receive a Zelle payment or request, or sent one, and no longer want payments or requests from that User, you may block them through Zelle with Chase in the Chase mobile app or online at chase.com, and may block, unblock or reblock at any time. A blocked User cannot send payments or requests to you unless you remove the block, though you can still send payments to them. Chase takes reasonable steps to block the User completely but, because of Network limitations, changes to the User's account or Zelle IDs may affect the block, so it cannot guarantee you will not receive another payment or request from that User and you may need to block again. It does not guarantee availability, timeliness or success of blocking, does not notify the User, though it cannot guarantee they will not find out, and neither Chase nor Zelle is liable for losses or damages from any delay or failure to block or for later payments or requests it cannot block because of Network limitations.

Supporting quotations

If you receive a Zelle payment or request for payment from another User, or have sent a payment or request for payment and no longer want to receive payments or requests for payments from that User, the Service may include functionality that allows you to block them through Zelle with Chase in the Chase mobile app or online in your account at chase.com. You may block, unblock or reblock the User at any time.

The blocked User will not be able to send any payments or requests through the Service to you unless you remove the block; you will still be able to send payments to the blocked User;

While we will take reasonable steps to completely block your selected User from transacting with you on Zelle with Chase, due to Network limitations at this time, certain changes pertaining to the User’s account and/or Zelle IDs may impact the effectiveness of the User block; we cannot guarantee that you will never receive another payment or request for payment from that User post-block and if you do, you may need to block the User again;

We do not guarantee the availability, timeliness or success of any blocking functionality described in this Section;

We will not notify the User that you have blocked them; however, we cannot guarantee that the User will not become aware that you have blocked them;

Neither we nor Zelle shall have any liability to you or any third party for any losses or damages related to any delay or failure by us to block a User, for any subsequent payments or requests from that User that we are unable to block due to Network limitations.

Qualifications & exceptions

• Blocking is not guaranteed because of Network limitations.
• The blocked User is not notified, but may become aware.

Use & Processing · Permission or license

You consent to Zelle emails and texts from Chase, Zelle, other Users and banks, and autodialed texts

By participating as a User you represent that you own the email address, mobile phone number and/or other alias you registered, or have delegated legal authority to act for the owner. You consent to receive emails or text messages from Chase, from Zelle, from other Users sending you money or requesting money from you, and from other Network Financial Institutions or their agents about the Services or related transfers. Chase says it does not currently use automatic telephone dialing systems, but you agree that Chase, Zelle or either's agents may use them in connection with text messages sent to any mobile number you enroll. You must immediately notify Chase if a mobile phone number or email address you enrolled, or used as a contact method for a Zelle tag, is surrendered or changed by you.

Supporting quotations

4. Mobile & Text Services; Consent to Emails and Automated Text Messages

By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you registered, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Addendum. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Financial Institutions or their agents regarding the Services or related transfers between Network Financial Institutions and

you. While we do not currently use automatic telephone dialing systems, you agree that we may, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You will immediately notify us if any mobile phone number or email address you have enrolled or is used as a contact method for a Zelle tag is (i) surrendered by you, or (ii) changed by you.

Qualifications & exceptions

• Messages may come from Chase, Zelle, other Users and other Network Financial Institutions or their agents.
• Automatic telephone dialing systems may be used even though Chase says it does not currently use them.

Use & Processing · Restriction or exception

Money requests are not reviewed by Chase; you accept requests and may be cut off from sending them

By using the Service you agree to receive money requests from others, although you may be able to block other Zelle users from sending you requests as described in Section 2(f), and to send requests only for legitimate and lawful purposes. Requests for money are solely between sender and recipient and are not reviewed or verified by Chase, which does not assume responsibility for their accuracy or legality and does not act as a debt collector for you or for the sender. Chase reserves the right, but assumes no obligation, to terminate your ability to send requests for money in general or to specific recipients if it deems them potentially unlawful, abusive, offensive or unwelcome to the recipient.

Supporting quotations

d. By using the Service, you agree to receive money requests from others (although you may be able to block other Zelle users from sending you requests as described in Section 2(f) above), and to only send requests for legitimate and lawful purposes.

Requests for money are solely between the sender and recipient and are not reviewed or verified by us. We do not assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

Qualifications & exceptions

• Blocking senders is possible under the blocking function referred to as Section 2(f).
• Chase may end your ability to send requests but is not obliged to.

Not stated here

• The reference to Section 2(f) is not tied to a lettered item in the section; the blocking function appears in an unlettered list item of the enrollment section.