Payslice Terms of Service

Effective Date: September 2, 2025
Contact: support@payslice.com

These Terms of Service (“Terms”) govern your use of Payslice’s mobile application, website, and related services (the “Services”). By creating an account or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Eligibility

To use Payslice, you must:

• Be at least 18 years old.
• Be a legal resident of the United States.
• Maintain a valid checking account with a U.S. financial institution.
• Provide accurate, complete, and updated information.

2. Description of Services

Payslice provides earned wage access advances by analyzing your income and spending patterns. The amount of any advance is determined solely by Payslice based on eligibility criteria. Advances are delivered in fiat currency to your linked account.

3. User Responsibilities

Account Security: You are responsible for safeguarding your login credentials.
Accurate Information: You must provide accurate and up-to-date information.
Repayment: You authorize us to initiate repayment via your linked bank account on agreed dates.

4. Fees

Payslice may charge subscription fees or transaction fees as disclosed in the app or on the website. All fees will be presented clearly before you use the Services.

5. Third-Party Services

By using Payslice, you authorize us to access and retrieve information from third-party service providers (such as your bank or payroll provider). You acknowledge that Payslice is not responsible for inaccuracies caused by these third parties.

6. Privacy Policy

Our Privacy Policy is incorporated by reference into these Terms. By using the Services, you consent to our collection, use, and disclosure of your data as described in the Privacy Policy.

7. Disclaimers

The Services are provided on an “AS IS” and “AS AVAILABLE” basis. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the maximum extent permitted by law, Payslice will not be liable for indirect, incidental, special, or consequential damages, or for lost profits or revenues, arising out of your use of the Services.

9. Indemnification

You agree to indemnify and hold harmless Payslice, its affiliates, officers, employees, and agents from any claims, damages, or expenses arising out of your use of the Services or your violation of these Terms.

10. Dispute Resolution

You agree that any disputes will be resolved through binding arbitration under the rules of the American Arbitration Association, unless prohibited by law. You waive the right to participate in a class action.

11. Changes to Terms

We may update these Terms from time to time. Continued use of the Services after such changes constitutes acceptance.

12. Termination

We may suspend or terminate your access to the Services at any time for violation of these Terms, misuse of the Services, or other lawful reasons.

13. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws provisions.