TERMS OF SERVICE

 

Effective Date 11/7/2022[EBT1] 

 

Please read the following Terms of Service carefully. TheseTerms of Service (“Terms”) are an agreement between you (“you,” “your,” or“user”) and TOKENIZER, INC its subsidiaries, affiliates, agents,service providers, and assigns(“TOKENIZER”, “us”,“we,” or “our”). The Terms govern your use of theSite (as defined below), as well as the products and services offered, operatedand owned by Tokenizer through  our website www.tokenizer.cc and all associated sites owned by TOKENIZER, INC and linkedto this Website (collectively, the “Site”).

 

By using this Site, you acknowledge and agree that, byaccessing or using this Site, you are indicating that you have read andunderstand, and agree to be bound by these Terms, as stated below as well as TOKENIZER,INC ("PrivacyNotice") at all times.

 

NOTICE:  DISPUTES ABOUTTHESE TERMS AND THE TOKENIZER, INC WEBSITE ARE SUBJECT TO BINDING ARBITRATIONAND A WAIVER OF CLASS ACTION RIGHTS AS DETAILED IN THE “ARBITRATION AND CLASSACTION WAIVER” SECTION 14.[AC2] 

 

TOKENIZER,INC reserves the rightat its sole discretion, to change, modify, add or remove portions of theseTerms and our Privacy Policy at any time. It is your responsibility to checkthese Terms and our Privacy Policy periodically for changes. Yourcontinued use of this Site after any such update constitutes your bindingacceptance of such changes[AC3] [JS4] . As long as youcomply with these Terms, TOKENIZER, INC grants you a personal, non-exclusive, non-transferable, limitedprivilege to enter and use this Site.

 

If you have questions, comments, concerns please contact TOKENIZER,INC by email at
Contact@Tokenizer.cc, by mail at 14001 N 7th St E109 Suite E Phoenix, AZ 85022,or customer
support number 1-844-698-2269 with any questions you may have.

 

1.    OVERVIEW OF SERVICES

Tokenizer offers a variety of services and features collectivelyreferred to in this Agreement as the “Services”. These Services include:

Websiteand mobile app[EBT5] [JS6]  a suite of services and featuresexclusive to Tokenizer users to help you view, manage and access your Tokenizerdeposit account (“Deposit Account”) and your Tokenizer Visa debit card associatedwith your Deposit Account (“Debit Card”). Tokenizer is a financial technologycompany and not a bank and does not issue deposit accounts and/or debitcards.   The Deposit Account and Debit Cardare issued and made available by Evolve Bank & Trust (“Evolve”), member ofthe Federal Deposit Insurance Corporation and serviced by Tokenizer. AnyTokenizer Banking Account and Tokenizer Card opened through our Services anduse of the Tokenizer Bank Account and/or Tokenizer Card and bank relatedservices are governed by Evolve’sprivacy policy and the deposit account and cardholder agreement you havewith Evolve and are not governed by these Terms.  Evolve is not a party to these Terms, doesnot sponsor the Services and has no obligation, liability or otherresponsibility for the Services hereunder, including, but not limited to, theservicing, management or administration of the Services or in connection withor in relation to these Terms.

2.    ELIGIBILITY

To use this Site you must be, and represent and warrant thatyou are, of legal age (18 years of age or older or otherwise of legal age inyour jurisdiction. If you’re agreeing to these Terms on behalf of anorganization, entity, or co-applicant, you represent and warrant that you areauthorized to agree to these Terms on behalf of that organization, entity, orco-applicant and bind them to these Terms (in which case, the references to“you” and “your” in these Terms, except for in this sentence, refer to thatorganization, entity, or co-applicant). We reservethe right to adjust amounts [EBT7] and oureligibility criteria at any time.If TOKENIZER, INC has previously prohibited you from accessing this Site, youdo not have permission to access this Site.

[AC8] [JS9] 

 

 

3.     PROPRIETARYRIGHTS

This Site is owned and operated by TOKENIZER, INC andcontains material which is derived in whole or in part from material suppliedby TOKENIZER, INC and our partners, as well as other sources, and is protectedby United States copyright laws and other intellectual property laws. You agreeto abide by all applicable copyright and other laws, as well as any additionalcopyright notices or restrictions contained on this Site. You acknowledge thatthis Site has been developed, compiled, prepared, revised, selected, andarranged by TOKENIZER, INC and others through the application of methods andstandards of judgment developed and applied through the expenditure ofsubstantial time, effort, and money and constitute valuable intellectualproperty of TOKENIZER, INC and such others. You agree to notify TOKENIZER, INCimmediately upon becoming aware of any unauthorized access or use of this Siteby any individual or entity or of any claim that this Site infringes upon anycopyright, trademark, or other contractual, statutory, or common law rights.All present and future rights in and to trade secrets, patents, copyrights,trademarks, service marks, know-how, and other proprietary rights shall, asbetween you and TOKENIZER, INC, at all times be and remain the sole andexclusive property of TOKENIZER, INC.

 

4.     WARRANTYAND DISCLAIMERS

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

 

YOUR USE OF THIS SITE IS SOLELY AT YOUR OWN RISK. TOKENIZER,INC DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES CONCERNING ANY CONTENTCONTAINED IN OR ACCESSED THROUGH THIS SITE, AND WE WILL NOT BE RESPONSIBLE ORLIABLE FOR THE ACCURACY, COPYRIGHT COMPLIANCE, LEGALITY, OR DECENCY OF MATERIALCONTAINED IN OR ACCESSED THROUGH THIS SITE. THIS SITE IS PROVIDED ON AN “AS-IS”BASIS, WITHOUT WARRANTIES OR ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUTLIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULARPURPOSE, NON-INFRINGEMENT, OR THAT USE OF THIS SITE WILL BE UNINTERRUPTED ORERROR-FREE.

 

ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THISSITE IS DOWNLOADED AND USED AT YOUR SOLE DISCRETION AND RISK AND YOU WILL BESOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE,SOFTWARE, TECHNOLOGY OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OFANY SUCH CONTENT.

 

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINEDBY YOU FROM TOKENIZER, INC OR THROUGH OR FROM THIS SITE SHALL CREATE ANYWARRANTY. TOKENIZER, INC MAKES NO REPRESENTATION, WARRANTY, GUARANTEE, ORPROMISE THAT THE PRODUCTS, SERVICES, OR SITE WILL MEET YOUR REQUIREMENTS ORACHIEVE ANY PARTICULAR RESULTS.

 

5.     LIMITATIONOF LIABILITY

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NOCIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT,CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL and TOKENIZER, INC its subsidiaries, affiliates, agents, serviceproviders [EBT10] BE LIABLE TO YOU OR TOANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIALDAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, WORKSTOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, OR (B) ANYAMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF (I) $100 OR (II) THEAMOUNTS PAID BY YOU TO TOKENIZER, INC IN CONNECTION WITH THE WEBSITE IN THETWELVE (12) MONTH PERIOD PRECEDING THIS APPLICABLE CLAIM.

 

In the event that you have a dispute with any third party,you agree that and TOKENIZER, INC its subsidiaries, affiliates, agents, serviceproviders [EBT11] are under noobligation to become involved on your behalf. You release TOKENIZER, and ourofficers, employees, agents, and successors from claims, demands, and damagesof every kind or nature, known or unknown, suspected or unsuspected, disclosedor undisclosed, arising out of or in any way relating to such disputes and/orthis Site. If you are a California resident, you hereby waive California CivilCode §1542, which says: “A general release does not extend to claims which thecreditor does not know or suspect to exist in his favor at the time ofexecuting the release, which if known by him must have materially affected hissettlement with the debtor.” This release includes the criminal acts of others.

 

6.     EXCLUSIONSAND LIMITATIONS

Some jurisdictions do not allow the exclusion of certainwarranties or the limitation or exclusion of liability for incidental orconsequential damages such as above in Sections 3 and 4. Accordingly, some ofthe above limitations may not apply to you. If you are a New Jersey resident, or a resident of another state that permitsthe exclusion of these warranties and liabilities, then the limitations inSections 3 and 4 specifically do apply to you.

 

 

7.     TERMINATION

These Terms are effective unless and until terminated by youor us. We may, in our sole and absolute discretion, deny you access to all orpart of this Site and/or our Services at any time for any or no reason at all,with or without notice to you. Grounds for such termination shall include, butnot be limited to, (a) breaches or violations of these Terms or otheragreements, (b) requests by law enforcement or government agencies, (c)discontinuance or material modification of this Site (or any part thereof), (d)unexpected technical or security issues or problems, (e) extended periods ofinactivity, (f) activities related to protecting the rights, property, orsafety of TOKENIZER, INC, our agents and affiliates, or our users and thepublic, or (g) if you provide any information that is false, inaccurate,out-of-date, or incomplete. Additionally, any suspected fraudulent, abusive, orillegal activity that may be grounds for termination of your use of our Siteand/or Services may be referred to appropriate law enforcement authorities. Ifwe terminate your right to access this Site, these Term will terminate and allrights you have to access this Site will immediately terminate; however,certain provisions of these Terms will still apply post-termination, includingwithout limitation, the Arbitration and Class Action Waiver provisions.

 

8.     INDEMNITY

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD TOKENIZER, INC ANDOUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, MEMBERS, SHAREHOLDERS, ANDREPRESENTATIVES (AND ALL SUCCESSORS AND ASSIGNS OF ANY OF THE FOREGOING)HARMLESS FROM AND AGAINST ANY CLAIM OR DEMAND, INCLUDING, WITHOUT LIMITATION,REASONABLE ATTORNEYS’ FEES AND DISBURSEMENTS, MADE IN CONNECTION WITH ORARISING OUT OF YOUR VIOLATION OF THESE TERMS OR OUR PRIVACY POLICY, AND/OR YOURSUBMISSION, POSTING, OR TRANSMISSION OF CONTENT TO THIS SITE.  WE RESERVE THE RIGHT, AT OUR OWN EXPENSE, TOASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF SUCH DISPUTES, AND IN ANY EVENT YOUWILL COOPERATE WITH US IN ASSERTING ANY AVAILABLE DEFENSES.

 

9.     PROHIBITEDUSES

Use of the Site for any illegal purpose, or any other purposenot expressly permitted in these Terms, is strictly prohibited. We reserve theright to investigate and take appropriate legal action against anyone who, inour sole discretion, violates this section, including removing the offendingContent from our Site, suspending or terminating access to our Services and/orSite and reporting such violators tolaw enforcement authorities.

Below are examples of content and/or uses that is illegal orprohibited:

 

§  Use this Site to harass, abuse, or threaten any other person;

§  Provide information that is unlawful, harmful, deceptive,tortious, defamatory, libelous, or invasive of another’s privacy;

§  Use this Site commercially, for benchmarking, or to compileinformation for a product or service;

§  Copy, download (other than for personal use, or as otherwiseexpressly permitted by these Terms), modify, distribute, post, transmit,display, perform, reproduce, broadcast, duplicate, publish, republish, upload,license, reverse engineer, create derivative works from, or offer for sale anycontent or other information contained on or obtained from or through this Siteby any means except as provided for in these Terms or with the prior writtenconsent of TOKENIZER, INC;

§  Scrape, access, monitor, index, frame, link, or copy anycontent or information on this Site by accessing this Site in an automated way,using any robot, spider, scraper, web crawler, or any other method of accessother than manually accessing the publicly available portions of this Sitethrough a browser or accessing this Site through any approved API;

§  Violate the restrictions in any robot exclusion headers ofthis Site, if any, or bypass or circumvent other measures employed to prevent orlimit access to this Site;

 

§  Upload or otherwise make available any material that containsany software, device, instructions, computer code, files, programs and/or othercontent or feature that is designed to interrupt, destroy, or limit thefunctionality of any computer software or hardware or telecommunicationsequipment (including without limitation any time bomb, virus, software lock,worm, self-destruction, drop-device, malicious logic, Trojan horse, trap door,“disabling,” “lock out,” or “metering” device, or any malicious code);

§  Attempt to disable, overburden, or impair the proper workingof this Site (including the use of any Maillist, Listserv, or any form ofauto-responder or “spam”);

§  Use the Website to distribute any other party’s intellectualproperty unless you have the right to do so, or remove or alter any copyright,trademark, or other proprietary notice contained on this Site;

§  Make available trade secrets or other confidential orproprietary information, or provide any material that you do not have a rightto make available under any law or under contractual or fiduciaryrelationships, including but not limited to insider information, orconfidential or proprietary information learned or disclosed as part ofemployment relationships or under non-disclosure agreements;

§  Falsely state or otherwise misrepresent your affiliation witha person or entity, or impersonate any person or entity;

§  Violate these Terms or any guidelines or policies posted by TOKENIZER,INC; and/or

§  Interfere with any other party’s use of this Site.

 

Please note that the terms and restrictions described inthese Terms also apply to any content that you may be able to copy or downloadfrom this Site (e.g., guides and white papers).

 

TOKENIZER, INC reserves the right, but not the obligation, inour sole and absolute discretion, to remove any information provided by you,and/or block access to the Site.

 

10.  ELECTRONICCOMMUNICATION

When you communicate with us electronically, such as viae-mail, you consent to receive communications from us electronically. Pleasenote that we are not obligated to respond to inquiries that we receive. Youagree that all agreements, notices, disclosures, and other communications thatwe provide to you electronically satisfy any legal requirement that suchcommunications be in writing.

 

11.  THIRDPARTY LINKS AND WEBSITES

TOKENIZER, INC has no control over, and assumes noresponsibility for, the content, accuracy, privacy policies, or practices of,or opinions expressed in, any third-party websites or by any third party thatyou interact with through or on this Site. In addition, TOKENIZER, INC will notand cannot monitor, verify, censor, or edit the content of any third-partywebsite or service. By using this Site, you release and hold TOKENIZER, INCharmless from any and all liability arising from your use of any third-partywebsite or service, and you acknowledge and agree that the terms and privacypolicies of such third parties govern your interactions with and use of suchwebsites and services.

 

12.  PRIVACY

By using this Site,you acknowledge and accept this Site’s Privacy Policy and consent to thecollection and use of your data in accordance with the Privacy Policy. By usingthis Site, you acknowledge that Internet transmissions are never completelyprivate or secure. You understand that any message or information you send tothis Site may be read or intercepted by others, even if there is a specialnotice that a particular transmission is encrypted.

 

 

13.  RIGHTSTO MODIFY THIS SITE

We may change, suspend or discontinue any aspect of this Siteor service at any time. TOKENIZER, INC reservesthe right to change system configurations, product specifications, upgrades,pricing, layouts, options and any other specifications at any time withoutnotice. We may also impose limits or restrictions on certain services, featuresor content or restrict your access to parts or all of this Site without noticeor liability.

 

14.  ARBITRATIONAND CLASS ACTION WAIVER

 

PLEASEREAD THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHTTO FILE A LAWSUIT IN COURT.

 

13a. Agreementto Arbitrate. You and TOKENIZER, INC agree thatthese Terms affect interstate commerce and that the Federal Arbitration Actgoverns the interpretation and enforcement of these arbitration provisions.This Section 13 is intended to be interpreted broadly and governs any and alldisputes between us including but not limited to claims arising out of orrelating to any aspect of the relationship between us, whether based incontract, tort, statute, fraud, misrepresentation, or any other legal theory;claims that arose before these Terms or any prior agreement (including, but notlimited to, claims related to advertising); and claims that may arise after thetermination of these Terms. The only disputes excluded from this broadprohibition are the litigation of certain intellectual property and small courtclaims, as provided below.

 

13b. DisputeResolution. Most disputes can be resolvedwithout resort to arbitration. If you have any dispute with us, you agree thatbefore taking any formal action, you will contact us at Contact@Tokenizer.cc or by Certified Mail to 14001 N 7th St E109 Suite E Phoenix,AZ 85022. The dispute should contain a brief written description of the disputeand your contact information (including your username if your dispute relatesto a Tokenizer account). Except for intellectual property and small claimscourt claims, the parties agree to use their best efforts to settle anydispute, claim, question, or disagreement directly through consultation with TOKENIZER,INC, and good faith negotiations shall be a condition to either partyinitiating a lawsuit or arbitration.

 

13c. BindingArbitration. If the parties do not reach an agreed-upon solution within a period ofsixty (60) days from the time informal dispute resolution is initiated underthe Dispute Resolution provision Section 13b, then either party may initiatebinding arbitration as the sole means to resolve claims, (except as provided inthe “Exception: Litigation of Intellectual Property and Small Claims CourtClaims” subsection below) subject to the terms set forth in provision Section13f. Specifically, all claims arising out of or relating to these Terms(including the Terms’ formation, performance, and breach), the parties’relationship with each other, and/or your use of Tokenizer shall be finallysettled by binding arbitration. Regardless of the manner in which thearbitration is conducted, the arbitrator will issue a reasoned written decisionsufficient to explain the essential findings and conclusions on which the awardis based.

 

13d. ClassAction Waiver. The parties further agree thatthe arbitration shall be conducted in the party’s respective individualcapacities only and not as a class action or other representative action, andthe parties expressly waive their right to file a class action or seek reliefon a class basis. YOU AND TOKENIZER, INC AGREES THAT EACH MAY BRING CLAIMSAGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS APLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.If any court or arbitrator determines that the class action waiver set forth inthis paragraph is void or unenforceable for any reason or that an arbitrationcan proceed on a class basis, then the arbitration provisions set forth aboveshall be deemed null and void in their entirety and the parties shall be deemedto have not agreed to arbitrate disputes.

 

13e. Litigationof Intellectual Property and Small Claims Court Claims. Notwithstanding the parties’ decision to resolve all disputesthrough arbitration, either party may bring enforcement actions, validitydeterminations, or claims arising from or relating to theft, piracy orunauthorized use of intellectual property in state or federal court or in theU.S. Patent and Trademark Office to protect its intellectual property rights(“intellectual property rights” means patents, copyrights, moral rights,trademarks, and trade secrets, but not privacy or publicity rights). Eitherparty may also seek relief in a small claims court for disputes or claimswithin the scope of that court’s jurisdiction.

 

13f.Confidentiality. All aspects of the arbitrationproceeding, and any ruling, decision, or award by the arbitrator will bestrictly confidential for the benefit of all parties.

 

13g. Changes tothis Section. TOKENIZER, INC will providethirty (30) days’ notice of any changes to this section by posting on thisSite. Amendments will become effective thirty (30) days after they are postedon this Site. Changes to this section will otherwise apply prospectively onlyto claims arising after the thirtieth (30th) day. If a court or arbitratordecides that this subsection on “Changes to This Section” is not enforceable orvalid, then this subsection shall be severed from the section entitled“Arbitration and Class Action Waiver,” and the court or arbitrator shall applythe first Arbitration and Class Action Waiver section in existence after youbegan using this Site.

 

13h. Survival. This Mandatory Arbitration and Class Action Waiver sectionshall survive any termination of your use of the Website.

 

15.  [EBT12] INSTRUCTING ELECTRONIC FUND TRANSFERS THROUGH THE SITE ORSERVICES

 

 

You mayauthorize and  instruct us to instructthe initiation of an Electronic Funds Transfer (“EFT”)  to credit, debit, make a direct deposit,on-line transfer or other electronic payment through the Site and use of theServices to or from your Deposit Account “. The term and conditions for accessingand using the EFT services and any other bank services to initiate transactionsto or from your Deposit Account are set forth in your customer account andcardholder agreement you have with Evolve.   All EFT services and other bank services aregoverned by the terms and conditions of your customer account and cardholderagreement you have with Evolve.  

 

 

 

 

14f. [EBT13] Accessing you DepositAccount Statements using our Site.

Þ    Statements. You will have accessto and be able to view your Deposit Account statements by logging into and accessingon our Site.

 

[EBT14] 

 

14i.Confidentiality. We may disclose information tothird parties about your use and access to the Site and/or the Services :

 

Þ    Where it is necessary for completing transactions you haveinstructed per use of and/or access to the Site or Services;

Þ    In order to verify the existence and condition of yourDeposit Account or Debit Card for a third party, such as a merchant;

Þ    In order to comply with government agency, court order, orother legal or administrative reporting requirements;

Þ    If you consent by giving us your written permission;

Þ    To our employees, auditors, affiliates, service providers, orattorneys as needed;

Þ    As noted in the Privacy Policy; [EBT15] or

Þ    As otherwise as necessary to fulfill our obligations underthis agreement.

 

14j.InformationAbout Your Right to Dispute Errors in Accessing the Site or the Services. In case of errors or questions about your access to the Siteor use of our Services, by email at
Contact@Tokenizer.cc, by mail at 14001 N 7th St E109 Suite E Phoenix, AZ 85022,or customer
support number 1-844-698-2269.

 

 

 

16.  ENGLISH LANGUAGECONTROLS

 

15a. Any translationof this Agreement is provided for your convenience. The meaning of the terms,conditions and representations herein are subject to definitions andinterpretations in the English language. Any translation provided may notaccurately represent the information in the original English.

 

 

17.  GENERAL

 

16a.Severability. If an arbitrator or a court ofcompetent jurisdiction finds any provision of these Terms to be invalid, theparties agree that the court should endeavor to give effect, to the maximum extentpermitted by law, to the parties’ intentions as reflected in the provision, andthe other provisions of these Terms will remain in full force and effect.

 

16b. No Waiver. Except as expressly set forth in these Terms, (i) no failureor delay by you or TOKENIZER, INC in exercising any rights, powers, or remediesunder will operate as a waiver of that or any other right, power, or remedy,and (ii) no waiver or modification of any term of these Terms will be effectiveunless in writing and signed by the party against whom the waiver ormodification is sought to be enforced.

 

QUESTIONS

If you have questions about these Terms or the PrivacyPolicy, please contact us by email at
Contact@Tokenizer.cc, by mail at 14001 N 7th St E109 Suite E Phoenix, AZ 85022,or customer
support number 1-844-698-2269.

 

 

 [EBT1]Please update

 [AC2]Link to this section

 [AC3]Will material changes be provided to the customer before accepting?

 [JS4]yes

 [EBT5]How is this term defined?  Itis used as a defined term but not defined anywhere in these Terms.

 [JS6]Tokenizer will have a mobile app version of the website

 

 [EBT7]"Advance" is used as a defined term but not definedanywhere in these Terms.  What is thisreferring to?  How is this defined?

 [AC8]Why does the childrens policy in the privacy policy reference 13 andunder? Shouldn’t it be 17 and under then?

 [JS9]The most recent update to the privacy policy submitted reflectsedits to 18 and over.

 

 [EBT10]Do you really want to limit this to this entity vs."Tokenizer" as defined in the first paragraph?

 [EBT11]Same comment as above.

 [EBT12]Electronic Fund Transfer services and EFT disclosures along withother bank services should not be included in these TOS. All EFTs, ACHs, otherbank transaction terms and conditions will be set out and governed by Evolve's depositaccount and cardholder agreement it has with the Customer.  Adding these terms here could also poseregulatory risk to Tokenizer being seen as a money transmitter or money servicebusiness each of which require licensing and registration to engage in moneytransmission.

 [EBT13]Covered and governed by Evolve's agreement with the customer.

 [EBT14]Covered and governed by Evolve's agreement with the customer.

 [EBT15]Bank's privacy policy are not applicable to the Terms of Service andgovern the bank services and information collected and shared under its depositaccount and cardholder agreement it has with the customer and should not belisted here.

Terms of ServicePrivacy PolicyEvolve Account & Cardholder AgreementElectronic Disclosure