Our software and services are designed to bring all your banking needs in one place. We provide you the user interface to access your accounts to more easily manage your money and to keep your data secure.
Terms of Service
ACCEPTANCE OF THE TERMS OF SERVICE
These Terms of Service (“Terms of Service”) are entered into by and between you and Wallit, Inc. (“Company”, “Wallit”, “we” or “us“). The following Terms govern your access to and use of (1) our website located at www.wallit.app and all of our other websites to which these Terms are posted (collectively, the “Website”); (2) Wallit’s Application and the Wallit.app (both the Application and application, collectively, the “Application“), including any content, functionality and services offered on or through Wallit.app, whether as a guest or a registered user.
We comply with the Children’s Online Privacy Act of 1998, as amended (“COPPA”). Because the Application is intended for use by all members of a family and a predominate goal of the Company is to educate children and provide them with the independence to become financially responsible individuals, Users under thirteen (13) years of age (“Minors”) may use this Application with parental consent. The Company may collect personal information about Minors from users of sufficient legal age that are authorized to provide such information about the Minor. Except for purposes of requesting parental consent, the Company does not intentionally collect Personal Information from Minors without prior parental consent.
CHANGES TO THE TERMS OF SERVICE
We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Application thereafter. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Application.
Your continued use of the Application following the posting of revised Terms of Service means that you accept and agree to the changes. You are expected to check this page each time you access this Application so you are aware of any changes, as they are binding on you and any Child User that you link to your Wallit Account.
ACCESSING THE APPLICATION AND ACCOUNT SECURITY
We reserve the right to withdraw or amend this Application, and any service or material we provide on the Application, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Application is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Application, or the entire Application, to visitors, including registered users.
You are responsible for:
- Making all arrangements necessary for you to have access to the Application.
- Ensuring that all persons who access the Application through your internet connection are aware of these Terms of Service and comply with them.
If you choose, or are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your Wallit Account is personal to you and agree not to provide any other person with access to this Application or portions of it using your username, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your Wallit Account at the end of each session. You should use particular caution when accessing your Wallit Account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any username, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason if, in our opinion, you have violated any provision of these Terms of Service.
DESCRIPTION OF SERVICES
Wallit seeks to help you build a budget that helps you plan for upcoming bills, earn cash back rewards for your everyday spending, pay of your debt(s), and achieve your savings goals.
You are solely responsible for ensuring the confidentiality of your Account login information and maintaining the security of such information. You agree not to authorize any other person to use your Account for any purpose. Except as otherwise provided by applicable law, you are solely responsible for all transactions and other activities authorized or performed using your Account, whether authorized by you or not. If you believe any of your Account credentials, such as your password, have been obtained or used by any unauthorized person or you become aware of any other breach or attempted breach of the security of the Services or your Account, you must notify us immediately.
Linking Your Payment Card
In order to receive rewards (“CASH BACK”) from us for qualifying purchases of goods or services, or for referring other users to download the Wallit application, you must connect at least one eligible checking account with linked debit card (a “Payment Card”) to your Account. Please note that not all debit cards are eligible to be linked to your Account. All determinations as to whether a card is eligible to be a Payment Card are at the Company’s sole discretion. For example, certain Visa, Mastercard, and American Express cards are not eligible to be linked to your Account, including, but not limited to, the following: prepaid cards, corporate cards, purchasing cards, store cards which can only be used at their respective retailers’ stores, government-administered prepaid cards (including Electronic Benefit (EBT) cards), healthcare cards (including Health Savings Account (HSA) cards, Flexible Spending Account (FSA) cards, and insurance prepaid cards), and cards that are not connected to a checking account. In order to be eligible as a Payment Card, it must be issued by a U.S. bank and connected to a checking account.
Use of Enrolled Cards and Transaction Information
By registering a checking or savings account from a bank (“External Account”) along with a linked Payment Card in connection with transaction monitoring, you authorize: (a) us to share your payment information with the third-parties that enable us to provide the Services (“Third-Party Service Providers”); (b) us to monitor transactions on your linked Payment Card(s) to identify qualifying purchases in order to determine whether you have qualified for or earned an offer linked to your Payment Card; and (c) for the Third-Party Service Providers to share such transaction details with us to enable your card-linked offer(s) and target offers that may be of interest to you. You agree that the Company and Third-Party Service Providers may view your transactions made by you with participating merchants. You authorize participating merchants to provide the Company with historical transaction data.
Receiving CASH BACK
Subject to these Terms, we will automatically provide CASH BACK to you when you purchase qualifying goods or services with your Payment Card or perform other qualifying actions identified by us. The Company, in its sole discretion, establishes the terms and conditions for each qualifying purchase or action and determines whether you have satisfied such terms and conditions to receive CASH BACK. Such terms and conditions are set forth on the Website and the Application and may be updated, modified, suspended, or cancelled by the Company at any time in its sole discretion. All offers made available to you through the Wallit application are temporary and may become unavailable without notice. You may also have a limited, prescribed window of time to take advantage of an offer. Always check the Wallit application for offers available to you.
Not all qualifying purchases made with your Payment Card may be eligible for CASH BACK if we are unable to obtain certain transaction information from the Third-Party Service Providers associated with your Payment Card. For example, we may be unable to obtain certain transaction information from the Third-Party Service Providers (and you may therefore be unable to receive CASH BACK) for the following transactions made with your Payment Card: (i) payments made through other payment methods (such as a digital wallet or a third-party payment application, where you may choose your Payment Card as a funding source but you do not present your Payment Card directly to the merchant), or (ii) transactions that are not processed or submitted in connection with your External Account.
Without limiting any of the other terms of these Terms, if you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received CASH BACK, we will reduce the Wallit balance of CASH BACK in your Account by the amount of CASH BACK you received for such transaction. If the balance of CASH BACK in your Account is less than the amount of CASH BACK you received for such transaction, we will offset the applicable amount of CASH BACK from CASH BACK you would otherwise receive for future qualifying actions.
CASH BACK that you receive as a result of a qualifying purchase at a local merchant will generally be reflected in your Account within 1-7 Business Days after the date of purchase. CASH BACK that you receive as a result of a qualifying online purchase will be reflected in your Account after the return period for the purchase has expired and generally within 60-90 Business Days after the online purchase is completed. CASH BACK that you receive for a travel-related purchase will be reflected in your Account between 30-60 Business Days after check out. In some cases, it may take longer for CASH BACK to be reflected in your Account. For purposes of these Terms, “Business Day” means Monday through Friday, excluding federal banking holidays. If you do not automatically receive CASH BACK for purchasing qualifying goods or services with your Payment Card or for performing other qualifying actions as identified by us, you have thirty (30) days from the date of transaction if made in store or ninety (90) days from the date of transaction if made online to contact us, provide evidence of the purchase and request CASH BACK earned. Any requests for CASH BACK earned after these deadlines will not be honored and the CASH BACK associated with the transaction will be forfeited.
Without limiting any of the other conditions of these Terms, if we award CASH BACK to you in error (e.g., we later determine that you did not comply with the terms and conditions of a qualifying purchase or if you charge back a qualifying purchase), we reserve the right to remove the applicable CASH BACK from your Account. You are responsible for making sure the CASH BACK balance reflected in your Account is correct. If you believe that your Account does not accurately reflect CASH BACK that you are eligible to receive, please contact us.
CASH BACK will remain in your Account until we approve redemption of CASH BACK as described below.
Redeeming CASH BACK
Subject to these Terms and our approval, you may request that we redeem CASH BACK from your Account. Prior to redeeming CASH BACK, (i) you must verify an email address associated with your Account, (ii) you must connect an External Account to the Wallit application, (iii) CASH BACK may only be redeemed from your Account through the Website and the Application, and (iv) you must have completed an offer-qualifying transaction with a participating merchant or for performing other qualifying actions as identified by us. We will generally redeem CASH BACK from your Account and credit your designated U.S. bank account, or other payment method permitted by us and designated by you (“Redemption Method”) within 1-5 Business Day(s) of when we receive your redemption request. Credits to your bank account will be completed within 2-3 Business Days from when we receive the redemption request.
You are solely responsible for verifying the accuracy and completeness of any credits to your Redemption Method performed by us hereunder. You must notify us of any errors within 15 days of such information being made available to you. If you do not notify us of any such errors within such 15 days, you will forfeit the right to contest a transaction, except to the extent such forfeiture is prohibited by applicable law.
Certain limits may apply to your redemption of CASH BACK. For example, unless otherwise permitted by us, you may only redeem CASH BACK up to the equivalent of $500 in any day. Without limiting any of the other conditions of these Terms, we may modify the redemption terms for CASH BACK at any time in our sole discretion.
All amounts paid to you hereunder are exclusive of any applicable withholding, sales, use, excise, value added, or other taxes. You acknowledge and agree that you are responsible for determining, paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Services. We are not responsible for determining whether you owe taxes in connection with your access to or use of the Services or for collecting, reporting, or remitting taxes arising from your access to or use of the Services, except for our own income taxes. You agree to promptly and fully reimburse and indemnify us for any taxes, penalties, and interest assessed by any taxing authority regarding amounts owed by you in connection with these Terms.
Depending on applicable tax laws, your receipt of rewards may be subject to reporting to certain tax authorities. In accordance with such laws, we may be required to send to you and file certain forms with tax authorities, such as the IRS Form 1099-MISC (Miscellaneous Income), for any year in which rewards are issued to you. If we request information from you in order to complete a required tax form, and you fail to provide the requisite information, you will be prohibited from redeeming CASH BACK from your Account until we receive the required information.
Additional Terms, Representations, and Requirements
You acknowledge and agree that: (i) the Company, in its sole discretion, may impose limits, terms, and conditions on CASH BACK, including, but not limited to, limits on the amount of CASH BACK that may be received and redeemed, and may adjust the CASH BACK balance in your Account; (ii) the Company is not a financial institution and do not provide banking or payment processing services; (iii) no consideration or other value is or has been given in exchange for CASH BACK; (iv) the Company is not a party to your Payment Card transactions; and (v) the Company is not responsible, and has no liability for, any products or services that are paid for with your Payment Card. You must resolve all disputes related to any products or services that are paid for with your Payment Card directly with the applicable merchant and/or the financial institution that issued your Payment Card.
You may not transfer, assign, sell, gift, exchange, trade, convert, lease, sublicense, rent, or distribute CASH BACK, except as expressly permitted by us and subject to applicable law. Any disposition or attempted disposition of CASH BACK in violation of these Terms will be void and will result in immediate termination of your Account. We do not recognize or condone any third-party service that may be used to sell, exchange, transfer, or otherwise dispose of CASH BACK, and we do not assume any responsibility for, and will not support, such transactions.
In addition to your other representations and warranties in these Terms, you represent and warrant that you will not access or use the Services to engage in any illegal, fraudulent, or other illicit activity. In order to redeem CASH BACK through the Services, you must provide such other information and documents as requested by us to verify your identity and compliance with these Terms, including, but not limited to, your representations and warranties herein. For our compliance purposes and in order to provide the Services to you, you hereby authorize us to, directly or through a third party, obtain, verify, and record information and documentation for purposes of verifying your identity and your Payment Card and Redemption Account information.
SEGMENTED OFFERS; RIGHT TO TEST
Not all users will receive all offers. Offer availability will fluctuate based on a variety of factors such as geographical location, transactional history, transactional trends, and Account tenure (“Best Match”). Offer appearance and offer amount may also vary depending on your transactional history, transactional trends, and Account tenure. We reserve the right to apply various search algorithms or to use methods to optimize Best Match results for particular users’ experiences. Search results and order may appear different on the Company’s mobile application than they appear on its website. To optimize the experience for both merchants and users, the Company retains the right to run occasional tests that will be limited in duration but may alter how offers are displayed.
RESTRICTIONS ON USE; GIFT CARDS
Without limiting any of the other conditions of these Terms and except as otherwise expressly permitted by us, you may not: (a) access or use any part of the Services for any commercial purpose; (b) access or use the Services for any illegal purpose; (c) attempt to gain unauthorized access to any other user’s Account; (d) modify or attempt to modify or in any way tamper with the Services; (e) access or use the Services in a way that may infringe upon the intellectual property or other rights of any third party, including, without limitation, trademark, copyright, privacy, or publicity rights; or (f) interfere with or disrupt networks connected to the Services or violate the regulations, policies, or procedures of such networks.
If the Company, in its sole discretion, believes that you are purchasing gift cards at a volume or denomination that is intended to abuse the Services or that appears to be consistent with manufactured spending, the Company retains the right to suspend and/or terminate your Account and claw back any CASH BACK received as a result of the gift card abuse.
By providing your payment account information, including Payment Card and Redemption Method information, to us, you represent, warrant, and covenant that: (a) you are legally authorized to provide such information to us; (b) you are legally authorized to perform payments from, and accept payments to, the payment account; and (c) such action does not violate the terms and conditions applicable to your use of such payment account or applicable law. When you authorize a payment in connection with the Services, you represent, warrant, and covenant that there are sufficient funds or credit available to complete a payment using the designated payment method.
The information presented through the Services is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other user of the Services. The Services may include content provided by third parties, including content provided by other users of the Services. All statements and/or opinions expressed in such content (other than the content provided by the Company) are solely the opinions and the responsibility of the provider of the content and do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content provided by any third party.
THIRD-PARTY SERVICES AND LINKS
The Services may contain links to third-party websites, applications, and services that are not owned or operated by us. The Services may also facilitate your purchase of third-party products and services, such as the Travel Services. We do not control, and are not responsible for, the Travel Services or any other third-party products, services, websites, or applications (collectively, “Third-Party Services”) or the Third-Party Suppliers or any other providers or sellers of Third-Party Services. Separate terms and conditions apply to Third-Party Services. You should read those terms and conditions carefully before accessing or purchasing any Third-Party Services. You are, among other things, responsible for all charges, fees, duties, taxes, and assessments in connection with your purchase of any Third-Party Services through the Services, except as otherwise provided by applicable law. You must resolve all disputes related to Third-Party Services with the applicable third party that provides and/or sells the Third-Party Services.
SUSPENSION AND TERMINATION
We may, in our sole discretion, suspend, limit, or terminate your Account and your access to and use of the Services, including the CASH BACK balance in your Account, at any time for any reason, without notice or liability to you, including, but not limited to, if we suspect that your access to or use of the Services violates these Terms or applicable law. You may stop using the Services and terminate your Account at any time by contacting us. Upon the termination of your Account, you must cease all use of the Services, and you shall forfeit any CASH BACK balance remaining in your Account. Termination of your Account and your access to and use of the Services will not affect any of our rights or your obligations arising under these Terms prior to such termination. In the event you or Wallit terminates your Account, you agree that we may retain your data, including personal and transaction information, for one year from the date of termination for audit and merchant invoicing purposes. Provisions of these Terms that, by their nature, should survive termination of your Account and your access to and use of the Services will survive such termination.
ALLOWANCE AND CHORES
The application enables parents to provide monetary compensation (“Allowance”) to children for assigned tasks and chores (“Tasks”), allows both children and parents to monitor a child’s completion of tasks and financial performance, and teach children responsible personal finance skills and the benefits of responsible earning, saving, spending and giving. The Company does so by: (a) partnering with community banks and credit unions to provide banking services; (b) providing a web application that enables a “parent” user (herein referred to as a “Parent” or “Parent User”) to create and assign tasks to “child” users (herein referred to as a “Child” or “Child User”). The Child User completes Tasks assigned to them by the Parent User and provides verification of completed Tasks. The Application notifies Children when Tasks are due and provides to Children the ability to upload a picture or video to prove that they have completed the assigned Task. Upon Task completion, Parent Users may approve or reject each Task. Based on the performance of the Child Users over the course of the allowance period (either weekly or monthly), Parent Users may compensate the Child User by transferring money from their Wallit Account (“Parent’s Wallit Account”) to the Child User’s Wallit Account (“Child’s Wallit Account”). Children in turn may choose to withdraw their allowance to a checking or savings account in the Child User’s name.
RADIUS BANK AND PLAID
CHILD’S WALLIT ACCOUNT
In order to use the Tasks and Allowance functionality of the Application and Services, and subsequently in order to retrieve funds earned via their Allowance through Parent Users via the Application, Child Users will have an entry in the Company’s general ledger (the “General Ledger”) for Allowance they have earned or funds they have been given by the Parent User. All funds earned by your child as recorded by the General Ledger legally belong to you, the Parent, so long as they remain in the Parent Account. As a Parent User, you may at any point withdraw funds you have transferred to your Child’s Wallit Account, which remain on the General Ledger, to your Parent Wallit Account or to your External Account(s).
When Parent Users create a Wallit Account and configure Wallit for their family, they will have the option to designate a linked External Account as a shared account that their child has the ability to transfer funds to and from (“Shared Account”). While using the Application, Child Users have the following abilities to transfer funds using this Shared Account:
- Withdraw funds from the Child’s Wallit Account (which causes the money to be taken out of the Parent’s Account) and transfer to the Shared Account, subject to the Child User’s balance in the General Ledger; or
- Transfer funds from the Shared Account to the Child’s Wallit Account (which causes the money to be transferred into the Parent Account), subject to the balance on that External Account
It is important for the Parent to understand, and to discuss with their Children, that all funds shown on the General Ledger, regardless of whether they appear as a balance in the Parent’s Wallit Account or the Child’s Wallit Account, are owned by the Parent. As such, the Child has no right to the funds shown on the Child’s Wallit Account.
You as the Parent, owner of External Accounts, and provider of consent to the Company’s Terms of Service are ultimately responsible for all transfers initiated by your Child on an External Account designated as a Shared Account while using the Application. All transfers initiated by your Child that have impact on the Parent Account in your, the Parent’s, name are subject to the Child User’s balance in the General Ledger, but are done in your name. You represent that any transfer initiated by your child has your full consent and knowledge.
CLOSING YOUR ACCOUNT
You may close your Wallit Account and your Child’s Wallit Account, separately or collectively, and terminate your relationship with the Company without cost. Closing a Child’s Wallit Account will not automatically close the Parent’s Wallit Account. If the Parent Wallit Account is closed, any Child’s Wallit Account that is linked to the Parent’s Wallit Account will automatically be closed except to the extent it is linked to another Parent’s Wallit Account. Any funds remaining in the Parent Account at closing will be transferred to the External Account indicated by the Parent upon closing.
INTELLECTUAL PROPERTY RIGHTS
The Application and the entirety contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
These Terms of Service permit you to use the Application for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Application, except as follows:
- Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
- You may store files that are automatically cached by your Web browser for display enhancement purposes.
- You may print or download one copy of a reasonable number of pages of the Application for your own personal, non-commercial use and not for further reproduction, publication or distribution.
- If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications. You must not:
- Modify copies of any materials from this site.
- Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site. You must not access or use for any commercial purposes any part of the Application or any services or materials available through the Application.
If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Application in breach of the Terms of Service, your right to use the Application will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Application or any content on the Application is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Application not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark and other laws.
The Company name, the Company logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Application are the trademarks of their respective owners.
You may use the Application only for lawful purposes and in accordance with these Terms of Service. You agree not to use the Application:
- In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries, and any laws regarding the restriction of money transfers to sanctions listed entities).
- For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any “junk mail”, “chain letter” or “spam” or any other similar solicitation.
- To impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses or screen names associated with any of the foregoing).
- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Application, or which, as determined by us, may harm the Company or users of the Application or expose them to liability.
Additionally, you agree not to:
- Use the Application in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Application, including their ability to engage in real time activities through the Application.
- Use any “robot”, “spider” or other automatic device, process or means to access the Application for any purpose, including monitoring or copying any of the material on the Application.
- Use any manual process to monitor or copy any of the material on the Application or for any other unauthorized purpose without our prior written consent.
- Use any device, software or routine that interferes with the proper working of the Application.
- Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Application, the server on which the Application is stored, or any server, computer or database connected to the Application.
- Attack the Application via a denial-of-service attack or a distributed denial-of-service attack.
- Otherwise attempt to interfere with the proper working of the Application.
MONITORING AND ENFORCEMENT; TERMINATION
We have the right to:
- Remove or refuse to keep on the Application any content you upload to your Wallit Account, your Child’s Wallit Account, or your Parent’s Wallit Account for any or no reason in our sole discretion.
- Take any action with respect to any content that we deem necessary or appropriate in our sole discretion, including if we believe that such content violates the Terms of Service, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Application or the public or could create liability for the Company.
- Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
- Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Application.
- Terminate or suspend your access to all or part of the Application for any or no reason, including without limitation, any violation of these Terms of Service.
- Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Application.
YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY/ANY OF THE FOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER THE COMPANY/SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.
We cannot review material before it is posted on the Application and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
These content standards apply to any and all information you provide (collectively, the “Information”) in connection with your use of the Application, your Wallit Account, the Company’s Services, or in the course of your interactions us, other Wallit Account holders, including, but not limited to your Parent, Co-Parent, or Children, and third parties. The Information must in their entirety comply with all applicable federal, state, local and international laws and regulations. Without limiting the foregoing, Information must not:
- Contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable.
- Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion,
- nationality, disability, sexual orientation or age.
- Infringe any patent, trademark, trade secret, copyright or other intellectual property or other rights of any other person.
- Be likely to deceive any person.
- Include identifiable information of Minors.
- Include identifiable information of any person other than you.
- Promote any illegal activity, or advocate, promote or assist any unlawful act.
- Cause annoyance, inconvenience or needless anxiety or be likely to upset, embarrass, alarm or annoy any other person.
- Impersonate any person or misrepresent your identity or affiliation with any person or organization.
- Involve commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter or advertising.
- Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.
RELIANCE ON INFORMATION POSTED
The information presented on or through the Application is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Application, or by anyone who may be informed of any of its contents.
This Application [may include/includes] content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
CHANGES TO THE APPLICATION
We may update the content on this Application from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Application may be out of date at any given time, and we are under no obligation to update such material.
INFORMATION ABOUT YOU AND YOUR VISITS TO THE APPLICATION
LINKING TO THE APPLICATION AND SOCIAL MEDIA FEATURES
The Company is a distributor (and not a publisher) of content supplied by third parties and Users. Accordingly, the Company has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Users or any other visitor of Wallit.app, are those of the respective author(s) or distributor(s) and not of the Company. Neither the Company. nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose.
In many instances, the content available through Wallit.app represents the opinions and judgments of the respective information provider, User, or other visitor not under contract with the Company. The Company neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on Wallit.app by anyone other than authorized the Company’s employee spokespersons while acting in their official capacities. Under no circumstances will the Company be liable for any loss or damage caused by a User’s reliance on information obtained through Wallit.app. It is the responsibility of User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Company. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content
You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part.
This Application may provide certain social media features that enable you to:
- Link from your own or certain third-party Applications to certain content on this Application.
- Send e-mails or other communications with certain content, or links to certain content, on this Application.
- Cause limited portions of content on this Application to be displayed or appear to be displayed on your own or certain third-party Applications.
You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:
- Establish a link from any Application that is not owned by you.
- Cause the Application or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
- Link to any part of the Application other than the homepage.
- Otherwise take any action with respect to the materials on this Application that is inconsistent with any other provision of these Terms of Service.
- The Application from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in these Terms of Service.
You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.
We may disable all or any social media features and any links at any time without notice in our discretion.
LINKS FROM THE APPLICATION
If the Application contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party Applications linked to this Application, you do so entirely at your own risk and subject to the terms and conditions of use for such Applications.
The Company, the owner of the Application, is based in the State of Maine and incorporated in the State of Delaware in the United States. We provide this Application for use only by persons located in the United States. We make no claims that the Application or any of its content is accessible or appropriate outside of the United States. Access to the Application may not be legal by certain persons or in certain countries. If you access the Application from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
DISCLAIMER OF WARRANTIES
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Application will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE APPLICATION OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY APPLICATION LINKED TO IT.
YOUR USE OF THE APPLICATION, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION IS AT YOUR OWN RISK. THE APPLICATION, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE APPLICATION. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE APPLICATION, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE APPLICATION OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
LIMITATION ON LIABILITY
IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE APPLICATION, ANY APPLICATIONS LINKED TO IT, ANY CONTENT ON THE APPLICATION OR SUCH OTHER APPLICATIONS OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION OR SUCH OTHER APPLICATIONS, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Service or your use of the Application, including, but not limited to, your User Contributions, any use of the Application’s content, services and products other than as expressly authorized in these Terms of Service or your use of any information obtained from the Application.
GOVERNING LAW AND JURISDICTION
All matters relating to the Application and these Terms of Service and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Maine without giving effect to any choice or conflict of law provision or rule (whether of the State of Maine any other jurisdiction).
Any legal suit, action or proceeding arising out of, or related to, these Terms of Service or the Application shall be instituted exclusively in the federal courts of the United States or the courts of the State of Maine in each case located in the City of Portland and County of Cumberland although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Service in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
At the Company’s sole discretion, it may require you to submit any disputes arising from the use of these Terms of Service or the Application, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Maine law.
LIMITATION ON TIME TO FILE CLAIMS
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF SERVICE OR THE APPLICATION MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
WAIVER AND SEVERABILITY
No waiver of by the Company of any term or condition set forth in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision.
If any provision of these Terms of Service is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.
YOUR COMMENTS AND QUESTIONS
This Application is operated by Wallit, located at 90 Bridge St., Suite 300, Westbrook, Maine 04092.
All other feedback, comments, requests for technical support and other communications relating to the Application should be directed to firstname.lastname@example.org.
Welcome to Wallit.app (both the website and the application, collectively, the “Website”). Wallit understands that privacy online is important to users of Wallit’s Website, especially when relating to finances and family information. This statement governs Wallit’s privacy policies with respect to those visitors to the Website (“Visitors”) who visit without transacting business and Users who register to transact business on the Website (“Users”) and make use of the various services (collectively, “Services”) offered by Wallit, Inc. (“Wallit”).
PERSONAL INFORMATION THAT IS COLLECTED
Personal Information does not include Anonymous Information that is collected. Wallit may collect basic user profile information from all of Wallit’s Visitors who are not Minors. Wallit collects the following additional information from Wallit Users who are not Minors, including information:
- by which you may be personally identified, such as name, date of birth, postal address, e-mail address, telephone number, social security number, financial information, and any other identifier by which you may be contacted online or offline;
- that is about you but individually does not identify you, such as responses to surveys that Wallit might ask you to complete for research purposes;
- about your internet connection, the equipment you use to access Wallit’s Website and usage details. Wallit collect this information:
- directly from you when you provide it to Wallit for purposes of Wallit Account registration and on-going contact information; and
- automatically as you navigate through the Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
- from third parties, for example, Wallit’s business and banking partners and third-party vendors.
- to confirm a qualifying purchase or return to match transactions to confirm whether you qualify for an offer or reward;
- to create a record of the transaction information and thereafter maintain and use data in connection with the Services;
- to provide targeted offers and rewards that may be of interest to you;
- to conduct analysis for the improvement and optimization of the Services;
- to inform participating merchants where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or eligible reward; for example, we may share the date and amount of your purchase and your name so the merchant can verify your purchase with its records or confirm if there is a missing or disputed transaction;
- to provide participating merchants aggregated and anonymized information relating specifically to registered Payment Card activity solely to allow participating merchants to assess the results of their campaign;
- to provide information in order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant; and
- to enable the sharing, exchange and use of transaction information described above and herein by and among us, applicable Third-Party Service Providers and applicable merchants.
Wallit also collects Personal Information relating to your family members directly from you when you provide it to Wallit.
PERSONAL INFORMATION OF MINORS
Wallit complies with the Children’s Online Privacy Act of 1998, as amended (“COPPA”). Because Wallit is intended for use by all members of a family and a predominate goal of Wallit is to educate children and provide them with the independence to become financially responsible individuals, Users under thirteen (13) years of age (“Minors”) may use this Website with parental consent. Wallit may collect Personal Information about Minors from Users of sufficient legal age that are authorized to provide such information about the Minor, but Wallit does not intentionally collect Personal Information from Minors without prior parental consent.
While the Wallit registration process requires a parent or legal guardian over the age of 18 years old (a “Parent”) to complete the process and provide most Personal Information about the family, a child that is thirteen (13) years of age or older may initiate the registration process by inviting a Parent to become a registered User of Wallit. If such registration process is initiated by a child, the child will be able to provide the child’s date of birth, full name and email address and the Parent’s email address or phone number. This information is strictly used by Wallit to obtain verifiable consent from the Parent’s. If Wallit does not obtain consent from the parent within a reasonable time from the date the information is collected, but not more than 72 hours (3 days) after the information is collected, Wallit will delete the information from its records.
If you are a Minor, do not:
- use or provide any information on the Website or through any of its features;
- register on the Website;
- make any purchases through the Website;
- use any of the interactive features of the Website
without the full consent and supervision of a Parent. If Wallit learns that it has collected or received Personal Information from a Minor without verification of parental consent, Wallit will delete that Personal Information. If you believe Wallit might have any Personal Information from or about a Minor child without parental consent, please contact us immediately at email@example.com.
As a Parent, you have the right to see what information your child has provided through the Website. You can see this by going to your “Profile” → selecting “Family” → selecting the child whose data you wish to see. You may also view your Child’s Wallit Account by going to your Wallit Account → scrolling down to “Family” → and selecting the child whose Wallit Account you wish to see.
At any time, you as the Parent may modify or delete most information on your Child’s Wallit Account. You may modify contact information on your Child’s Wallit Account by going to your “Profile” → selecting “Family” → selecting the child whose data you wish to edit → selecting ‘edit’ at the top-right of the screen → editing any or all of your child’s profile info → and then hitting ‘submit’. If you desire for other information on your Child’s Wallit Account to be modified or deleted from the Website, please contact us immediately at firstname.lastname@example.org. You may delete the Child’s Wallit Account —and, thereby, the child’s account and any Personal Information uploaded thereby—by going to your “Profile” → selecting “Family” → selecting “Edit’ → selecting the child you wish to delete → selecting “Remove Child” at the bottom of the screen. Once your Child’s Wallit Account has been deleted, or any specific information is deleted, Wallit takes immediate steps to purge all Personal Information related to the Wallit Account from Wallit’s databases.
HOW THE WEBSITE AND SERVICES USE INFORMATION COLLECTED
Wallit uses information collected to customize the Website, to make appropriate service offerings, and to fulfill buying and selling requests on the Website. Wallit may email Visitors and Users about research or purchase and selling opportunities on the Website or information related to the subject matter of the Website. Wallit may also use Personal Information to contact Visitors and Users in response to specific inquiries, or to provide requested information.
Parent Users will have the ability to view and upload Personal Information for Child Wallit Accounts within the Parent’s “My Family” group and will have limited access to information of a Co-Parent in the Parent’s “My Family” group. Although children with Child Wallit Accounts are able to transact with Parents within their “My Family” group for purposes of transferring funds, receiving chores, and proving that chores have been completed, Child Wallit Accounts are not able to view any Personal Information of Parent Wallit Accounts with the exception of the Parent’s Wallit username.
HOW PERSONAL INFORMATION IS STORED
While Wallit takes commercially reasonable measures to maintain a secure Website, electronic communications and databases are subject to errors, tampering and break-ins, and Wallit cannot guarantee or warrant that such events will not take place. By agreeing to Wallit’s Terms of Service, you thereby agree that Wallit will not be liable to Visitors or Users for any such occurrences.
HOW COOKIES ARE USED
WALLIT ACCOUNTS LINKED WITH A SPONSORED BANK
The Company partners with various banking institutions (each, a “Sponsoring Bank”) to provide the Services. You may choose to use the Website and its Services by opening your Wallit Account through a Sponsoring Bank or you may choose to link your Wallit Account with a Sponsoring Bank after account-creation. By opening your Wallit Account through a Sponsoring Bank or subsequently link an Wallit Account with a Sponsoring Bank, you authorize the Company to share any of your information with the Sponsoring Bank through which you open or link your Wallit Account.
HOW INFORMATION IS SHARED AND WITH WHOM
Wallit may share aggregated Anonymous Information about Wallit’s Visitors and Users, including the demographics of Wallit’s Visitors and Users, with Wallit’s subsidiaries and affiliates and Third-Party Vendors and service providers.
CHOICES AVAILABLE TO VISITORS AND USERS REGARDING THE COLLECTION, USE DISTRIBUTION AND DELETION OF PERSONALLY IDENTIFIABLE INFORMATION
Visitors and Users may opt out of receiving unsolicited information from or being contacted by Wallit and/or Wallit vendors and affiliated agencies by responding to emails as instructed, by contacting us at email@example.com, or by clicking any link Wallit may offer in Wallit’s communications to opt out of communications from Wallit.
Visitors may also request that their Personal Information be purged or deleted from the Website’s database by emailing us at firstname.lastname@example.org. However, because of backups and records of deletions, it may be impossible to delete a Visitor’s entry without retaining some residual information. An individual who requests to have Personal Information deactivated will have this information functionally deleted, and Wallit will not sell, transfer, or use Personal Information relating to that individual in any way moving forward.
DISCLOSURE OF PERSONAL INFORMATION TO COMPLY WITH LAW ENFORCEMENT
Wallit will disclose Personal Information in order to comply with a court order or subpoena or a request from a law enforcement agency to release information. Wallit will also disclose Personal Information when reasonably necessary to protect the safety of Wallit’s Visitors and Users. For more information regarding Governing Law and Jurisdiction please see Wallit’s Terms of Service.
LINKS TO OTHER WEBSITES
The Website (Wallit.app) contains links to other websites. Please note that when you click on one of these links, you are moving to another web Website. Wallit encourages you to read the privacy statements of these linked websites as their privacy policies may differ from ours.