Terms of Service

Please read these Terms of Service (the "Terms") carefully because they govern the use of the website located at https://payslice.com/ (the "Site") belonging to Ubuntu Solutions Inc., a Delaware corporation doing business as PaySlice (together with its affiliates, "PaySlice," "us," "our," and "we") and PaySlice's products, services, features, properties and any content, products, services or other items offered in connection therewith (collectively and together with the Site, the "Services"), unless a separate agreement or agreements (collectively, the "Agreement") exist between you and PaySlice, in which case the Agreement will control thereafter against any documentation or other agreements or materials, including the Terms. If you do not agree to these Terms, then you have no right to access or use the Services. All information we collect on this Site is subject to our Privacy Policy, which is incorporated herein by reference. By using the Services, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy. As used herein, the term "you" (including any variant) refers to each individual who enters into these Terms on such individual's own behalf or any entity on behalf of which an individual enters into these Terms, in which case you represent and warrant that you have the authority to bind that entity to the Terms (and in that case, "you" will refer to the individual and that entity).

PaySlice may modify the Terms from time to time, in which case PaySlice will post a new version on the Site or in-app and update the "Last Updated" date above. Modifications to the Terms are effective when posted to the Site or in-app. Your continued use of the Services following the posting of any changes constitutes your acceptance of such changes, and if you do not agree with these changes, you must immediately stop using the Services. Because the Services are evolving over time, PaySlice may change or discontinue all or any aspect of the Services, at any time and without notice, at PaySlice's sole discretion.

SUMMARY OF KEY CASH-ADVANCE DISCLOSURES

The following offers a concise, plain‑English overview of important features, fees, authorizations, and risks of the cash‑advance Services. It is provided for convenience only and does not replace the rest of these Terms, our Privacy Policy or any legally required disclosures. Capitalized terms have the meanings given elsewhere in the Terms. In the event of any conflict between this summary and the detailed Terms or required disclosures, the detailed Terms and required disclosures control. We provide this summary to promote transparency and compliance with applicable federal, state and local laws and regulations. Any required consumer disclosures will be delivered in the manner and timing such laws require, including state‑specific notices where applicable. Nothing in this summary limits any non‑waivable rights under applicable law. You should read the entire Terms before using the Services.

• No credit check, no interest and no late fees.
• Subscription fee applies after initial 7‑day free trial. Cancel anytime before the trial ends to avoid the first charge.
• Optional instant payout to your debit card or account incurs a disclosed instant payout fee. Standard Automated Clearing House (ACH) delivery is free but takes longer.
• Advances are not guaranteed. Eligibility and limits are based on bank‑transaction data and our risk models.
• You authorize us to automatically debit your linked account on your next payday; you can reschedule once per advance within the app before we initiate the debit.
• We are not a bank and, to the extent applicable law distinguishes, we do not provide "money transmission" or "money services." Advances are funded from our own or our partners' funds and repaid by your preauthorized debit, and we do not receive, hold, or transmit funds on behalf of third parties. Banking services (if any) are provided by our partner financial institutions and funds held at a bank may be FDIC‑insured there, not by us.
• Electronic signature and communications consent applies.
• You agree to receive documents and notices electronically.
• Error resolution rights for electronic fund transfers apply.

ACCESS TO THE SERVICES

1.1 License

Subject to these Terms, PaySlice grants you a non-transferable, non-exclusive, revocable, limited license to access and use the Services solely for your personal use. You may download and print copies of User Information (as defined below) from Services you are authorized to access, but only for personal, non-commercial use, and you may not remove, modify, or obscure any copyright, trademark, or proprietary notices. This license does not permit data mining, robots, or similar data extraction methods. We may revoke this license at any time, with or without notice.

1.2 Certain Restrictions

The rights granted to you in the Terms are subject to the following restrictions: (a) you will not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Service, whether in whole or in part, or any content displayed on the Service; (b) you will not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Service; (c) you will not use or access the Service in order to develop similar or competitive content, products or services; (d) except as expressly stated herein, no part of the Service may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, (e) you will not use or access the Service in any way that violates any applicable laws, and (f) you may not link to our Site homepage unless 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 without our express written consent. Unless otherwise indicated, any future Service (including any aspect thereof) will be subject to the Terms. All copyright and other proprietary notices embedded within or displayed on the Service must be retained.

1.3 Modification

PaySlice reserves the right, at any time, to modify, suspend, or discontinue the Service (in whole or in part) with or without notice to you. You acknowledge and agree that PaySlice will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Service or any part thereof.

1.4 No Support or Maintenance

You acknowledge and agree that PaySlice will have no obligation to provide you with any support or maintenance in connection with the Service unless separately agreed or as required by law (e.g. Regulation E error resolution).

1.5 Ownership

Excluding any User Information (as defined below), you acknowledge and agree that all the intellectual property rights, including without limitation rights in copyrights, patents, trademarks, and trade secrets, in the Service and its content are owned by PaySlice or PaySlice's licensors. Neither these Terms nor your access to or use of the Service transfers to you or any third party any rights, title or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in Sections 1.1 and 1.2. PaySlice reserves all rights not granted in the Terms. There are no implied licenses granted under the Terms.

User Information

User Information

"User Information" means any and all information and content that a user submits to, or uses with, the Service. You are solely responsible for your User Information. You assume all risks associated with use of your User Information, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure of your User Information that personally identifies you or any third party. You hereby represent and warrant that your User Information does not violate our Acceptable Use Policy under Section 2.3. You may not represent or imply to others that your User Information is in any way provided, sponsored or endorsed by PaySlice. Because you alone are responsible for your User Information, you may expose yourself to liability if, for example, your User Information violates the Acceptable Use Policy. PaySlice is not obligated to backup any User Information, and your User Information may be deleted at any time without prior notice. You are solely responsible for creating and maintaining your own backup copies of your User Information if you desire.

License

You hereby grant (and you represent and warrant that you have the right to grant) to PaySlice an irrevocable, nonexclusive, royalty-free, fully paid, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Information, and to grant sublicenses of the foregoing rights, solely for the purposes of including your User Information in the Service. You hereby irrevocably waive (and agree to cause to be waived) any claims and assertions of moral rights or attribution with respect to your User Information.

Acceptable Use Policy

The following terms constitute our "Acceptable Use Policy."

You agree not to use the Service to collect, upload, transmit, display, or distribute any User Information (i) that advertises, promotes, or facilitates lending practices or wage-assignment arrangements that are unlawful under applicable federal, state or local law; (ii) that violates any third-party right, including but not limited to, any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (iii) that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, likely to mislead or deceive, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual or is otherwise objectionable; (iv) that is harmful to minors in any way; or (v) that is in violation of, or promotes or assists the violation of, any law, regulation, or obligations or restrictions imposed by any third party.

In addition, you agree not to: (i) upload, transmit, or distribute to or through the Service any computer viruses, worms, or any software intended to damage or alter a computer system or data; (ii) send through the Service unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (iii) use the Service to harvest, collect, gather or assemble information or data regarding other users, including email addresses, without their consent; (iv) interfere with, disrupt, or create an undue burden on servers or networks connected to the Service, or violate the regulations, policies or procedures of such networks; (v) attempt to gain unauthorized access to the Service (or to other computer systems or networks connected to or used together with the Service), whether through password mining or any other means; (vi) harass or interfere with any other user's use and enjoyment of the Service; or (vii) use software or automated agents or scripts to produce multiple accounts on the Service, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data from) the Service (provided, however, that we conditionally grant to the operators of public search engines revocable permission to use spiders to copy materials from the Service for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials).

Enforcement

We reserve the right (but have no obligation) to review any User Information or user activity, including information related to suspected fraud, unauthorized transfers, or ACH returns to your bank, our Partner Banks, regulators, or law enforcement, as permitted by law. and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of the Terms or otherwise create liability for us or any other person. Such action may include, but is not limited to, removing, modifying or refusing to publish your User Information, terminating or suspending your access to the Service, disclosing and reporting your identity or other information about you to law enforcement authorities or third-parties who claim that material violates their rights, and/or taking any action that we deem necessary or appropriate in our sole discretion. YOU WAIVE AND HOLD HARMLESS PAYSLICE FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY PAYSLICE DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER PAYSLICE OR LAW ENFORCEMENT AUTHORITIES. However, we do not undertake to review all User Information before it is posted on the Site 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.

Feedback

If you provide PaySlice with any reports, comments, suggestions, ideas or other feedback regarding the Service ("Feedback"), you do so without expectation of compensation and you hereby grant PaySlice a perpetual, irrevocable, freely transferable, freely sublicensable, fully-paid, royalty-free right and license to such Feedback and agree that PaySlice will have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. Feedback is strictly voluntary and PaySlice will treat any Feedback you provide to PaySlice as non-confidential and non-proprietary. You agree that you will not submit to PaySlice any information or ideas that you consider to be confidential or proprietary.

ELIGIBILITY AND IMPORTANT DISCLOSURES

General

The Services allow eligible users to request small‑dollar and short‑term cash advances (each, an "Advance") evaluated using linked bank‑transaction data and other information you authorize us to access. Advances do not accrue interest, do not involve credit checks and carry no late fees. Advances are not guaranteed as availability, amounts, frequency and timing are determined at our sole discretion using proprietary risk models, eligibility criteria and compliance checks. Advances are intended to bridge cash‑flow between pay cycles, not to serve as long‑term financing.

Eligibility

To be eligible to use the Services, you must (i) be at least 18, (ii) reside in the United States where the Services are offered and access the Services while physically located in an Eligible State (defined below), (iii) maintain a verifiable U.S. checking account in your name, (iv) have a recurring qualifying income stream we can validate from transaction history and (v) pass any identity, fraud, sanctions and other compliance checks we impose. We may modify eligibility criteria, decline any Advance request, or set or adjust limits at any time at our sole discretion for risk or compliance reasons. One account per person. Business, prepaid, or paycard‑only accounts may be ineligible.

Eligible States

THE SERVICES ARE CURRENTLY OFFERED ONLY IN THE FOLLOWING STATES (THE "ELIGIBLE STATES"): FLORIDA AND TEXAS. We may add or remove Eligible States from time to time by updating these Terms or specific state notices. In cases in which a state requires variations, the applicable state notice controls. We may use geolocation and other signals to verify that you are accessing the Services from an Eligible State and may block transactions if you appear to be outside an Eligible State

No Bank

We are not a bank and the Services are not "money transmission" or "money services" as those terms may be defined under applicable law. To the extent banking features are offered, they are provided by one or more third‑party financial institutions (each, a "Partner Bank"). Funds held in accounts at a Partner Bank may be eligible for Federal Deposit Insurance Corporation (FDIC) insurance at that institution. Advances are not deposits and are not FDIC‑insured. We do not receive, hold or transmit funds on behalf of third parties. Advances are funded from our own or our partners' funds and are repaid by your preauthorized debit from your linked account.

No Credit Reporting

We do not report Advances to consumer reporting agencies, do not perform hard credit pulls, charge interest, or assess late fees, and do not engage in debt collection litigation or use third‑party debt collectors. We may, however, (i) offset or net amounts you owe against future disbursements or recoveries, (ii) restrict or suspend access to the Services and (iii) attempt permitted re‑debits consistent with your authorization and National Automated Clearing House Association (NACHA) rules. We do not take security interests in your property or require any wage assignment.

No Wage Assignment

We do not require any assignment of wages and Advances are not conditioned on continued employment with any particular employer. We do not seek repayment directly from your employer.

Delivery and Repayment Scheduling

Standard ACH delivery is free and typically takes 2–3 business days. If you choose an instant payout to an eligible debit card or account, an Instant Payout Fee applies (as defined below). You authorize us to schedule repayment on or after your next identified payday.

User Obligations

You represent that all information you provide (including pay schedule and bank details) is accurate and agree to promptly update it. You must maintain sufficient funds to satisfy scheduled repayments. You may revoke or modify your preauthorized transfer at least three (3) business days before a scheduled debit and may exercise any applicable stop‑payment rights with your bank.

Availability; Geo-Controls

The Services may not be available in all states. The Services are currently available only in the Eligible States (defined above) and features may vary by state. We may use IP, GPS, and other signals to verify that you are accessing the Services from an Eligible State and may block access or transactions if you appear to be outside an Eligible State. State-specific notices posted in-app or on the Site are incorporated by reference. See our state notices as applicable for any state-specific terms; if a state notice conflicts with these Terms, the state notice controls for users in that state. As required, we will provide additional disclosures and obtain any required consents in the manner and timing the law requires.

No Advice

We do not provide financial, tax, or legal advice. You should consider whether an Advance is appropriate for your situation and seek professional advice if needed.

Fraud, Risk and Compliance Holds

We may delay, decline, reverse, or place holds on Advances or repayments if we suspect fraud, unauthorized activity, regulatory non‑compliance, sanctions concerns, or errors, or if requested by your bank, a Partner Bank, a payment network or a regulator. We may file suspicious activity reports or share information with your bank, our Partner Banks, regulators, or law enforcement, as permitted by law.

Account Suspension and Termination

We may suspend or terminate access to the Services or refuse any Advance at any time for risk, compliance, operational, or misuse reasons, subject to applicable law and any non‑waivable rights.

ACCOUNT LINKING, DATA ACCESS AND ELECTRONIC CONSENT

Link to Bank Account

You authorize us and our vendors (e.g. account‑connection providers) to access and use information from your linked bank accounts (such as balances, transactions and account identifiers) to verify your identity, assess eligibility, determine Advance amounts, and service your account. Your use of such third‑party services is subject to their terms and privacy policies.

Electronomic Communications and Signatures

You consent to receive disclosures, notices, and agreements electronically and to the use of electronic signatures. You may withdraw such consent by contacting support; however, please note that doing so may require closing your account because we provide the Services electronically.

FEES AND PAYMENTS

Subscription and Optional Services Fees; Taxes

After a 7‑day free trial, we charge a recurring membership fee (the "Membership Fee") disclosed in‑app and at signup that begins on the 8th day unless you cancel in‑app or via support before the trial ends. After a 7‑day free trial, we charge a recurring monthly membership fee (the "Membership Fee") that begins on the 8th day unless you cancel in‑app or via support before the trial ends. The Membership Fee recurs on the same calendar day each month until you cancel in‑app or via support. Optional services (such as instant payout) may carry separate fees that we disclose before you opt in. Use of any optional, fee‑bearing service is not required to obtain an Advance. Fees are disclosed at signup and in your account. We may modify fees, introduce new fees, or run promotional pricing (including free‑trial offers) from time to time with advance notice and as required by law. Free trial eligibility and duration may vary and are subject to compliance and abuse prevention measures.

Taxes

Fees may be subject to applicable taxes, which will be disclosed where required. You are responsible for any taxes that apply to your use of the Services.

Delivery of Advances

Standard ACH delivery of Advances is free but typically takes 2 to 3 business days. If you choose instant payout to an eligible debit card or account, you agree to pay a separate instant payout fee (the "Instant Payout Fee") disclosed clearly before you confirm; instant payout is optional and not required to obtain an Advance. We always present a no fee delivery option before you complete your request.

Return Debits and Bank Fees

If a debit is returned (e.g. insufficient funds), we may attempt permitted re‑debits consistent with your authorization and payment‑network rules (e.g. NACHA). We may limit, delay, or suspend Advances after returned debits or excessive reschedules. We do not charge non‑sufficient funds (NSF) fees or late fees. However, we do not control your bank's fee policies and your bank may charge its own overdraft or return fees. We do not intentionally cause overdrafts, but we cannot guarantee that scheduled debits will avoid triggering bank fees. Monitoring available funds is your responsibility. If you incur bank fees, then you must resolve them with your bank.

Cancellations and Refunds

You may cancel at any time; however, while cancellation stops future renewals it does not retroactively refund prior charges unless required by law or pursuant to these Terms. If you cancel during the 7‑day free trial, you will not be charged the Membership Fee. When initiated, instant payout transactions are generally non‑refundable, except where required by law or where we determine in our discretion that a refund is appropriate (e.g. duplicate charge or processing error). We reserve the right to offer limited goodwill credits or prorated adjustments from time to time.

Error Resolution

If you believe an unauthorized transfer occurred or that an error exists related to a transfer we processed, notify us promptly using the contact methods in the app or in these Terms. We will investigate and resolve in accordance with applicable law (e.g. Regulation E, 12 C.F.R. §1005.11) and will provide you written results. Where required, we will provisionally credit your account during our investigation.

Electronic Funds Transfer and Repayment Authorization

You authorize and consent to PaySlice and its service providers to initiate electronic fund transfers (EFTs) to and from your linked deposit account via ACH and/or debit card rails to (i) deliver Advances, (ii) debit on or after a scheduled date all amounts you owe, including any Advance, Membership Fee, Instant Payout Fee and any other disclosed charges (collectively, the "Authorized Amounts"), which may be variable based on the Advance and options you select, (iii) make, if a debit fails or is returned, permitted re-debit attempts and to adjust timing for non-business days or risk or compliance reasons, (iv) credit for corrections, reversals and error adjustments and (v) make recurring EFTs on or after your scheduled payday(s). You also authorize our Partner Banks and payment processors to originate, settle, and act as our agents for transfers related to the Authorized Amounts. These authorizations are intended to be construed broadly. These authorizations remain in effect until revoked as above or your account is closed. You may request a copy at any time. This authorization complies with applicable law (including the Electronic Fund Transfer Act and Regulation E) and payment-network rules (e.g. NACHA). You consent to receive this authorization and related notices electronically.

THIRD-PARTY MATERIALS; OTHER USERS

Third-Party Materials

The Service may use or interoperate with third-party applications, websites and services (e.g. account‑linking providers, payment processors, card networks, Partner Banks, data aggregators, app stores), and/or sponsored links or display advertisements for third parties (collectively, "Third-Party Materials"). Such Third-Party Materials are not under the control of PaySlice, and PaySlice is not responsible for any Third-Party Materials. PaySlice does not review, approve, monitor, endorse, warrant or make any representations with respect to Third-Party Materials. You use all Third-Party Materials at your own risk, and should apply a suitable level of caution and discretion in doing so. When you interact with any of the Third-Party Materials, the applicable third party's terms and policies apply, including the third party's privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Materials.

Partner Banks

Certain banking related features are provided by Partner Banks and are subject to the Partner Bank's terms and disclosures. We are not a bank. We do not control Partner Banks and are not responsible for their acts, omissions, errors, or outages. Any FDIC insurance applies, if at all, only to eligible deposits held by a Partner Bank, not to any Advances themselves.

Other Users

Each user is solely responsible for any and all of its own User Information. Because we do not control User Information, you acknowledge and agree that we are not responsible for any User Information, whether provided by you or by others. We make no guarantees regarding the accuracy, currency, suitability, or quality of any User Information. Your interactions with other users of the Service are solely between you and such users. You agree that PaySlice will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any user of the Service, we are under no obligation to become involved.

Open Source and Software Developer Kits (SDKs)

Aspects of the Services may include open‑source components or third‑party SDKs subject to their own licenses, which are incorporated by reference.

App Store Terms

If you downloaded the app from an app store (e.g. Apple App Store or Google Play Store), the store is not a party to these Terms and has no responsibility for the app or its content. Your use of the app is also subject to the store's applicable terms.

Release

You hereby release and forever discharge PaySlice (and our officers, employees, agents, successors, and assigns) from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature (including personal injuries, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Service (including any interactions with, or act or omission of, other users of the Service or any Third-Party Materials). This release does not waive any non‑waivable consumer rights under applicable law. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES:

"A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."

INDEMNIFICATION

You agree to indemnify and hold harmless PaySlice (and its officers, employees, and agents), including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Service, (b) your User Information, (c) your violation of the Terms; or (d) your violation of applicable laws or regulations. PaySlice reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of PaySlice. PaySlice will use reasonable efforts to notify you of any claim, action or proceeding upon becoming aware of it.

DISCLAIMERS

Disclaimers.

ADVANCES ARE PROVIDED FOR SHORT‑TERM CASH‑FLOW NEEDS AND ARE NOT A LONG‑TERM FINANCIAL SOLUTION. WE DO NOT PROVIDE INVESTMENT, TAX, OR LEGAL ADVICE. WE ARE NOT YOUR FIDUCIARY, ADVISOR, OR AGENT; YOU ARE SOLELY RESPONSIBLE FOR YOUR FINANCIAL DECISIONS.

THE SERVICE AND ALL COMPONENTS ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS, AND PAYSLICE EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE OR ANY COMPONENT WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SERVICE OR ANY COMPONENT, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE.

THE INFORMATION PRESENTED ON OR THROUGH THE SITE 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 SITE, OR BY ANYONE WHO MAY BE INFORMED OF ANY OF ITS CONTENTS. PAYSLICE MAY UPDATE THE CONTENT ON THE SITE AND SERVICES FROM TIME TO TIME, BUT SUCH CONTENT IS NOT NECESSARILY COMPLETE OR UP TO DATE. ANY OF THE MATERIAL ON THE SITE AND SERVICES MAY BE OUT OF DATE AT ANY GIVEN TIME, AND WE ARE UNDER NO OBLIGATION TO UPDATE SUCH MATERIAL.

ELIGIBILITY DETERMINATIONS, THE AMOUNT AND NUMBER OF ADVANCES AND TIMING ARE DISCRETIONARY AND MAY CHANGE. PAST AVAILABILITY OF ADVANCES DOES NOT GUARANTEE FUTURE AVAILABILITY.

THE ABOVE PARAGRAPHS APPLY TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PAYSLICE, PARTNER BANKS, OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THE TERMS, THE SERVICE OR ANY COMPONENTS, OR YOUR USE OF, OR INABILITY TO USE, THE SERVICE OR ANY COMPONENTS, EVEN IF PAYSLICE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE SERVICE IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY LOSSES RESULTING THEREFROM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THE TERMS (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO THE GREATER OF (I) THE AMOUNTS PAID BY YOU AND RETAINED BY PAYSLICE IN THE TRANSACTION GIVING RISE TO SUCH ACTION; OR (II) ONE HUNDRED UNITED STATES DOLLARS (U.S. $100). THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. YOU AGREE THAT OUR SUPPLIERS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THE TERMS.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. THIS PARAGRAPH APPLIES ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW AND DOES NOT LIMIT ANY NON-WAIVABLE CONSUMER RIGHTS UNDER YOUR STATE'S LAW.

THE PARTIES AGREE THAT THESE LIMITATIONS REFLECT A FAIR ALLOCATION OF RISK AND FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND PAYSLICE. WITHOUT THESE LIMITATIONS, PAYSLICE WOULD NOT BE ABLE TO PROVIDE THE SERVICES ON THE SAME TERMS OR PRICING.

THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO THE EXTENT LIABILITY CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW (FOR EXAMPLE, CERTAIN CONSUMER‑PROTECTION RIGHTS OR YOUR RIGHTS WITH RESPECT TO UNAUTHORIZED ELECTRONIC FUND TRANSFERS UNDER THE ELECTRONIC FUND TRANSFER ACT AND REGULATION E). NOTHING IN THESE TERMS LIMITS LIABILITY FOR PAYSLICE'S WILLFUL MISCONDUCT OR FRAUD.

TERM AND TERMINATION

Subject to this Section, the Terms will remain in full force and effect while you use the Service. We may suspend or terminate your rights to use the Service at any time for any reason at our sole discretion, including for any use of the Service in violation of the Terms. Upon termination of your rights under the Terms, your right to access and use the Service will terminate immediately. Even after your rights under the Terms are terminated, the following provisions of the Terms will remain in effect: Sections 1.3-1.5 and 2-9.

GENERAL

Changes

The Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an email to the last email address you provided to us (if any), and/or by prominently posting notice of the changes on our Service. We may also update our state notices from time to time to reflect additional Eligible States or state-specific terms. You are responsible for providing us with your most current email address. In the event that the last email address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the email containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to the Terms will be effective upon the earlier of thirty (30) calendar days following our dispatch of an email notice to you (if applicable) or thirty (30) calendar days following our posting of notice of the changes on our Service. These changes will be effective immediately for new users of our Service. Continued use of our Service following notice of such changes will indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

Dispute Resolution

The terms of this Section 11.2 (Dispute Resolution) are separately referred to herein as the "Arbitration Agreement."

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.

Applicability of Arbitration Agreement

You agree that any dispute, claim, or request for relief relating in any way to your access or use of the Service, to any products sold or distributed through the Service or to any aspect of your relationship with PaySlice, will be resolved by binding arbitration, rather than in court, except that (i) you may assert claims or seek relief in small claims court if your claims qualify; and (ii) you or PaySlice may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). This Arbitration Agreement will apply, without limitation, to all disputes or claims and requests for relief that arose or were asserted before the effective date of the Terms or any prior version of the Terms.

Arbitration Rules and Forum

The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your dispute or claim or request for relief to us at support@payslice.com. The arbitration will be conducted at the New York office of JAMS, an established alternative dispute resolution provider. Disputes involving claims, counterclaims, or request for relief under $250,000, not inclusive of attorneys' fees and interest, will be subject to JAMS's most current version of the Streamlined Arbitration Rules and procedures available at http://www.jamsadr.com/rules-streamlined-arbitration/; all other disputes will be subject to JAMS's most current version of the Comprehensive Arbitration Rules and Procedures, available at http://www.jamsadr.com/rules-comprehensive-arbitration/; JAMS's rules are also available at www.jamsadr.com or by calling JAMS at 800-352-5267. If JAMS is not available to arbitrate, the parties will select an alternative arbitral forum. If the arbitrator finds that you cannot afford to pay JAMS's filing, administrative, hearing and/or other fees and cannot obtain a waiver from JAMS, PaySlice will pay them for you. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the country where you live or at another mutually agreed location. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

Authority of Arbitrator

The arbitrator will have exclusive authority to (i) determine the scope and enforceability of this Arbitration Agreement and (ii) resolve any dispute related to the interpretation, applicability, enforceability or formation of this Arbitration Agreement including, but not limited to, any assertion that all or any part of this Arbitration Agreement is void or voidable. The arbitrator will decide the rights and liabilities, if any, of you and us. The arbitration proceeding will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator will have the authority to grant motions dispositive of all or part of any claim. The arbitrator will have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the arbitral forum's rules, and the Terms (including the Arbitration Agreement). The arbitrator will issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and us.

Waiver of Jury Trial

YOU AND PAYSLICE HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and PaySlice are instead electing that all disputes, claims, or requests for relief will be resolved by arbitration under this Arbitration Agreement, except as specified in Section 11.2(a). An arbitrator can award on an individual basis the same damages and relief as a court and must follow the Terms as a court would. However, there is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

Waiver of Class or Other Non-Individualized Relief

ALL DISPUTES, CLAIMS, AND REQUESTS FOR RELIEF WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS OR COLLECTIVE BASIS, ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. If a decision is issued stating that applicable law precludes enforcement of any of this section's limitations as to a given dispute, claim, or request for relief, then such aspect must be severed from the arbitration and brought into the State or Federal Courts located in New Castle County, Delaware. Any state-law limits on arbitration/class waivers that cannot be waived by consumers will apply, and the remainder of the Arbitration Agreement will continue in force. All other disputes, claims, or requests for relief will be arbitrated.

30-Day Right to Opt Out

You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to support@payslice.com within thirty (30) days after first becoming subject to this Arbitration Agreement. Your notice must include your name and address, your username (if any), and an unequivocal statement that you want to opt out of this Arbitration Agreement. If you opt out of this Arbitration Agreement, all other parts of the Terms will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

Severability

Except as provided in Section 11.2(e), if any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable, then such specific part or parts will be of no force and effect and will be severed and the remainder of the Arbitration Agreement will continue in full force and effect.

Survival of Agreement

This Arbitration Agreement will survive the termination of your relationship with us.

Modification

Notwithstanding any provision in the Terms to the contrary, we agree that if we make any future material change to this Arbitration Agreement, you may reject that change within thirty (30) days of such change becoming effective by writing us at support@payslice.com and expressly opting out of such change.

Governing Law; Venue

The Terms will be governed by the internal law of the State of Delaware, without regard to conflict of law principles that would result in the application of any law other than the law of the State of Delaware. The Parties agree that the exclusive jurisdiction of any actions arising out of this Agreement and not applicable to Section 11.2 will be in the state or federal courts, as applicable, located in New Castle County County, Delaware.

Export; Geographic Restrictions

We provide this Site for use only by persons located in the U.S. We make no claims that the Site or any of its content is accessible or appropriate outside of the U.S.. Access to the Site may not be legal by certain persons or in certain countries. If you access the Site from outside the U.S., you do so on your own initiative and are responsible for compliance with local laws.

Certain states impose additional disclosures or rights related to cash‑advance services. We provide any required state notices in‑app or on our legal page, which are incorporated by reference.

The Service may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from PaySlice, or any products utilizing such data, in violation of the U.S. export laws or regulations.

Disclosures and Complaints

If you are a resident of the U.S., you may have additional rights to disclosures and complaints under the laws of your state in which you reside. For example, if you are a Texas resident, you may report complaints to the Consumer Protection Division of the Office of the Texas Attorney General by writing to P.O. Box 12548, Austin, TX 78711-2548, or by telephone at (800) 621-0508. Or if you are a Florida resident, you may report complaints to the Division of Consumer Services of the Florida Department of Agriculture and Consumer Services at Terry L. Rhodes Building, 2005 Apalachee Parkway, Tallahassee, FL 32399-6500, or by telephone at 1-800-HELP-FLA (435-7352) or 1-800-FL-AYUDA (352-9832).

Electronic Communications

The communications between you and PaySlice use electronic means, whether you use the Service or send us emails or messages through third-party messaging platforms, or whether PaySlice posts notices on the Service or communicates with you via email or messages through third-party messaging platforms. For contractual purposes, you (a) consent to receive communications from PaySlice in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that PaySlice provides to you electronically satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy writing. The foregoing does not affect your non-waivable rights.

Entire Terms; Separability

The Terms constitute the entire agreement between you and us regarding the use of the Service, other than the Agreement if applicable. Our failure to exercise or enforce any right or provision of the Terms will not operate as a waiver of such right or provision. The section titles in the Terms are for convenience only and have no legal or contractual effect. The word "including" means "including without limitation." If any provision of the Terms is, for any reason, held to be invalid or unenforceable, the other provisions of the Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. The Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without PaySlice's prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void. PaySlice may freely assign the Terms. The terms and conditions set forth in the Terms will be binding upon assignees.

Copyright/Trademark Information

The PaySlice trademarks, logos and service marks, and all related names, logos, product and service names, designs, and slogans ("Marks") are PaySlice's property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third-party which may own the Marks.

Contact Information

PaySlice Inc.
Email: support@payslice.com