Family Money Terms of Service

These Terms of Service (including any future modifications, the "Terms") govern your use of the Family Money services which include the Family Money App ("App"), all websites, applications, and other products and services offered as part of Family Money (including all Content therein, the "Family Money Services" or "Services"). The Services are made available to you by Cellco Partnership d/b/a Verizon Wireless, including our successors and assigns ("Verizon," "we," "our," or "us"), and/or third parties. These Terms govern the legal relationship between Verizon and you as an Adult User, Accountholder, and any Child Users (each as defined below). You acknowledge that these Terms will apply to your Child Users (if any), and you hereby expressly accept these Terms on behalf of your each applicable minor Child User. By accessing or using the Family Money Services, you agree to these Terms. If you do not agree to these Terms, do not access or use the Family Money Services. PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SERVICES. THESE TERMS CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, INCLUDING MANDATORY ARBITRATION, NO CLASS RELIEF AND WAIVER OF YOUR RIGHT TO A JURY TRIAL.

General Terms Applicable to All Services

1. Description of the Services and Terms. The Family Money Services feature a suite of consumer financial and educational products and tools. Certain products, tools, and information available through the Services are provided directly by Verizon, while others are Bank Products offered to you through our relationships with Issuing Banks, or other third parties. These Terms govern your use of the Services including any Bank Products or features. Separate, additional terms may also apply to your use of the Services, including any Bank Product Terms, Bank privacy notices, or other agreements related to specific products, features or services offered ("Additional Terms"). The Additional Terms shall govern as they relate to those specific products, features or services. Specific Bank Product related Terms follow the General Services Terms below.
2. Modification of Terms. We may modify these Terms at any time in our discretion. We will post any modified Terms to the Family Money website and in the Family Money app. Your continued use of the Services after the effective date of any modified Terms will be deemed as irrevocable acceptance of such modified Terms.
3. Modification of Services. We reserve the right to change, modify, add to, discontinue, or retire the Services or any aspect or feature of the Services at any time. We will provide notice to the extent it is reasonable and practical to do so.
4. Privacy Policy. Accepting these Terms means that you also agree to our Privacy Policy, available at www.verizon.com/about/privacy/family-money-privacy-policy, which may be updated from time to time and describes the information we collect, how that information may be used and shared, and the choices you have about certain uses of information. Please note that for any Bank products or services offered as part of Family Money, such Bank Privacy Notice also applies.
5. Definitions
   
   "Adult User" means you and each other individual you authorize to use the Services that is eighteen years of age or older.
   
   "App" means the Verizon software application for a mobile phone or any other device used to access the Services and any Bank Products.
   
   "Bank Product" means any of the financial products and services offered to Users by third-party financial institutions and made available through the Services.
   
   "Child User" means a natural person that you authorize to use the Services that is between the age of eight and seventeen.
   
   "Issuing Bank" means any of the third-party financial institutions that provides a Bank Product available through the Services.
   
   "User" means you and any other natural person you authorize to use the Services, and includes both Adult Users and Child Users.
6. Eligibility. The Family Money Services are for consumers in the United States who reside in one of the 50 states or the District of Columbia. You may not access or use the Service or any part thereof if you are outside of the 50 states or the District of Columbia, or are barred from using the Services under these Terms or applicable law.
7. Registration; Account and Passwords. When you enroll in any of the Services through the App, you must choose a password and sign in with your email. Any usernames or passwords ("Credentials") you use to access the Services are for non-commercial use only. You are solely responsible for any use of the Services on any devices you or others use. Do not share or disclose your Credentials. Keep your Child User's Credentials safe. If others use your Credentials (with or without your consent), you will be responsible for ensuring they comply with these Terms. You are solely responsible for maintaining the security and confidentiality of your Credentials and account. You agree to immediately notify us of any unauthorized use of your account or Credentials.
8. Verification of Information. By accessing or using the Services, you authorize us to make any inquiries, either directly or through third parties, including requiring you to provide documentation to us, either directly or indirectly, as we deem necessary in our sole discretion to validate the information that you provide. Such inquiries may include engaging third parties to provide such services as age and identity verification. If we are unable to verify the information that you provide, we may (i) terminate or deny your access to the Family Money Services, including access by any of your Adult Users or Child Users; or (ii) close or refuse to establish an account for a requested Bank Product, according to the instructions or policies of the applicable Issuing Bank. We reserve the right to request such information at the time of enrollment in Family Money, upon your request or application for a Bank Product, or thereafter if you are a User.
9. Ownership, Licenses and Content. As between you and us, we own the rights to the Services and any content or material supplied by Verizon or third parties ("Content"). You have no ownership or license rights except as set forth in these Terms. You have a limited, non-exclusive, non-transferable license to use the Services and the object code version of the App software solely for the purposes provided in these Terms. Source code for parts of the software may be available for use, modification and distribution under open source licenses which can be found in the App Settings. Certain software or technical information is licensed from third parties and may be covered by one or more U.S. patents, pending U.S. patent applications, and pending counterpart European and international patents. Unless required by applicable law or agreed to in writing, software distributed under the License is distributed on an "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. We retain all our rights, title, and interests in (including all copyright, trademark, service marks, designs, logos, URLs, patents, trade secrets, trade names and other proprietary rights) in the Services including the App and Website. You acknowledge that Content is inherently subjective and we do not provide and Content does not amount to legal, accounting, tax, or financial advice. Consult your own legal, accounting, tax, and financial advisors before engaging in any transaction.
10. Fees. We may provide some of the Services to you free of charge, while access to other Family Money Services, including Bank Products, may require you to pay a one-time fee or a recurring fee ("Paid Services"). The fees for a Paid Service may be described in these Terms or in any Additional Terms related to the specific Paid Service.
11. Payment. To access a Paid Service, you will be required to link a payment card, deposit account, or other payment method ("Payment Method") and to pay the fees for such Paid Services, together with any applicable taxes when due. We will determine the Payment Methods that are acceptable for each Paid Service. When you provide information on your Payment Method, you represent and warrant that the information is accurate and that you are authorized to use the Payment Method provided. You are responsible for keeping your Payment Method information up-to-date by changing the details in the Settings Menu in the App. If you do not pay any fees when due, we may suspend or terminate your access to the Family Money Service(s) for which you have not paid the applicable fees, in our discretion. We, and any applicable Issuing Bank, also reserve the right to pursue any amounts you fail to pay in connection with a Paid Service, including collection costs, bank overdraft fees, collection agency fees, reasonable attorneys’ fees, and arbitration or court costs.
12. Promotions and Trials. We may offer trials or promotions ("Promotions"). To participate, you must agree to the terms that apply to any Promotion. We may change or terminate any Promotion at any time and without notice. You shall use any Promotion strictly in accordance with these Terms and applicable laws and must only use the Promotion as intended. We may permit, limit, suspend, or terminate your participation in any Promotion. You may not post Promotional information, including any Promotional code or link provided to you on any event, coupon, discount, or related page or site or advertise the Promotion. You also agree that if you participate in any Promotion you will communicate with others about same in a truthful manner.
13. Mobile Operator Information and Data Use. You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber details, if available, including to Verizon and its service providers for identity verification, fraud avoidance, and as needed to provide the Services or any feature thereof. Your wireless carrier may charge fees for your data usage in connection with your use of the Services for which you are responsible.
14. Uploading Images. You may upload images in designated areas of the App, subject to the following terms. Users agree to these terms (for Child Users, you agree to these terms on their behalf), which Verizon reserves the right to modify at any time in its sole discretion. Verizon also reserves the right to terminate this feature at any time. We are not obligated to screen or monitor images that are uploaded; however, we reserve the right to do so, and to suspend or restrict sharing of images that are identified as copyrighted. Verizon reserves the right to exclude anyone from future use of the Services who uploads images that are in violation of these terms. You (and any other Users) must not upload, message, transmit or make available or initiate any content that:
    • Is unlawful, libelous, harassing, abusive, threatening, hateful, discriminatory or otherwise objectionable or inappropriate in the view of Verizon;
    • Is obscene or contains lewd material, nudity, provocative material, or any other offensive or socially unacceptable material;
    • Contains symbols of death, destruction, violence, abuse, or any other similar images;
    • Includes images of or references to alcohol, tobacco, or drugs;
    • Includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
    • Infringes upon patents, trademarks, trade secrets, copyrights or other proprietary or privacy rights; and
    • Is otherwise determined by Verizon, in its sole discretion, to be offensive or inappropriate for a family service that is to be used by minors.
    
    By uploading any image into the App, you make the following representations and warranties including on behalf of Child Users: the image you are uploading was created by you; you are the owner of the image and/or you obtained express written consent from the owner for you to use it for the Services; you have obtained the express written consent of any person who appears in the image you are uploading; use of the image will not infringe any businesses' or individual's rights, including intellectual property, privacy or publicity rights; and the image(s) are not in violation of these Terms. You should review all images that may be uploaded to the App by Child Users, as you assume full legal and financial responsibility for such uploads. You agree to indemnify, defend and hold Verizon and its respective shareholders, officers, directors, employees, agents, members, contractors, service providers and representatives, from any and all claims, liabilities, losses, costs and expenses of any nature whatsoever (including but not limited to attorney's fees) that may arise from any images that you upload to the App, including any claims alleging trademark or copyright infringement, and/or the violation of a right of privacy, publicity or any other right. By submitting any information to us through your access to and use of the Services, you are licensing that content to us solely for the purpose of providing the Services, and you represent that you are entitled to do so for this purpose. We may use and store the content, but only to provide the Services to you.
15. Cancellation and Suspension of the Services. You may cancel your access to the Services at any time, subject to any Additional Terms applicable to a particular Service (including Bank Products), by logging into the App and following the cancellation instructions.
16. Restrictions, Suspension, Termination. We may restrict, suspend, or terminate your access at any time to the Services if we believe you have breached these Terms. We reserve the right to limit, at our sole discretion, the provision of the Services to any person or in any location, as permitted by law. If we terminate your Card Account because we believe you have breached these Terms, we may take up to 60 days to refund the balance in your account. Any offer shall be deemed void where prohibited. We can waive or delay enforcement of any of our rights under these Terms without losing them. We may suspend your account for any reason, including due to a violation of these Terms.
17. Limitation of Liability. TO THE EXTENT PERMITTED BY APPLICABLE LAW, VERIZON (INCLUDING OUR DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS), AFFILIATES, PARENT, SUBSIDIARIES, AND SERVICE PROVIDERS WILL NOT BE LIABLE TO YOU OR ANY OTHER PERSON FOR THE FAMILY MONEY SERVICES OR ANY PART THEREOF INCLUDING THE APP OR WEBSITE, OR FOR ACCOUNTS, TRANSACTIONS OR THEIR TIMELINESS; ACCOUNT LINKING OR TRANSFERS; INACCURATE OR INCOMPLETE DATA; HACKING, TAMPERING, UNAUTHORIZED USE OR ACCESS; THE FAILURE OF MERCHANTS TO HONOR ANY CARD; USE OF MERCHANT CODES FOR BLOCKED CATEGORIES; FAILURE TO PERFORM OR PROVIDE PRODUCTS OR SERVICES; COMMUNICATION SYSTEM FAILURES; FAILURES OF YOUR EQUIPMENT, INCLUDING YOUR MOBILE PHONE OR OTHER DEVICE, OR OF ANY INTERNET SERVICE, ANY MOBILE PHONE NETWORK OR ANY OTHER COMMUNICATION NETWORK, OR ANY PAYMENT SYSTEM; DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; LOSS OF PROFITS, DATA, GOODWILL, OR ANY OTHER INTANGIBLE LOSSES. WITHOUT LIMITING THE FOREGOING LIMITATION OF LIABILITY, IN THE EVENT THAT WE ARE HELD LIABLE FOR DAMAGES TO YOU IN A COMPETENT LEGAL PROCEEDING FOLLOWING THE ARBITRATION PROVISION IN THESE TERMS OR PURSUANT TO ANY AGREEMENT FOR A BANK PRODUCT, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXTRAORDINARY, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES.
18. Disputes and Arbitration. ARBITRATION PROVISION. PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. This Arbitration Provision sets forth the circumstances and procedures under which claims (defined below) shall be arbitrated instead of litigated in court upon the election of either party. This Arbitration Provision covers the Services Verizon provides under these Terms. A more specific Arbitration provision for a particular Bank Product Verizon offers may apply pursuant to such Bank's Cardholder Agreement or similar agreement you enter into when setting up an account with them.
    1. This Arbitration Provision applies to any Claim arising from or relating to the Services we provide under these Terms. "Claim" means any claim, dispute or controversy between you and us, or between you and Verizon or any of our agents, partners, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns and our and their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit as part of the Services and their agents, employees, directors and representatives but only if such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. The terms "you" or "yours" shall mean all persons or entities approved by us to have and/or use a Family Money account and your authorized Users. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims, claims based upon contract, tort, fraud and other intentional torts, consumer rights, statutes, regulations, ordinances, common law and equity, and claims which arose before the date of these Terms. The term "Claim" is to be given the broadest possible meaning that will be enforced including claims related to the Terms, privacy or security breaches, data collection, use and sharing, property rights, the Services or any part thereof, any related advertising or promotions, communications, third party Products offered by us as part of the Services, etc. "Claim" does not include disputes about the validity, enforceability, coverage, or scope of this Arbitration Provision or any part as such disputes are for a court and not an arbitrator to decide.
    2. Small Claims Court Applicability. We shall not elect to use arbitration for any individual Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court; any Claim that is appealed, transferred or removed from that court shall be subject to arbitration. Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any Claim later asserted by a party in that or any related or unrelated lawsuit (including a Claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Provision.
    3. Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services ("JAMS") or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and (ii) AAA at 120 Broadway, Floor 21, New York, NY 10271; website at www.adr.org. If both JAMS and the AAA are unable to serve as administrator and we cannot agree on a replacement, a court with jurisdiction will appoint the administrator or arbitrator.
    4. Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE "CODE"). FURTHER, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS, PRIVATE ATTORNEY GENERAL OR OTHER REPRESENTATIVE ARBITRATION. THE ARBITRATOR SHALL NOT JOIN OR CONSOLIDATE CLAIMS EXCEPT AS SET FORTH BELOW. THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
    5. Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action or private attorney general basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public or other persons similarly situated. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. This section of this Arbitration Provision is the "Class Action Waiver." (Special procedures apply to Claims that seek public injunctive relief (see below).
    6. Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing, administrative and/or hearing fees for any individual Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification
    7. Arbitration Procedures: This Arbitration Procedure is made pursuant to and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Code, except that this Arbitration Provision shall control if it is inconsistent with the applicable Code or with other provisions of the Terms. The arbitrator will be selected under the administrator’s rules, except that the arbitrator must be a lawyer with experience in the subject matter of the Claim or a retired judge, unless you and we agree otherwise. The arbitrator shall apply the applicable substantive law, consistent with the FAA that would apply if an individual matter had been brought in court. The arbitrator may award any damages or other relief of remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable, and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim). The arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by the administrator's rules or applicable law. The arbitrator shall apply applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within 15 days of receiving the requesting party's notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within 20 days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, if the amount in controversy exceeds, $50,000, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have 30 days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within 120 days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding except for any appeal rights under the FAA.
    8. No Preclusive Effect: No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.
    9. Continuation and Severance: This Arbitration Provision shall survive cancellation, suspension, revocation or termination of the Service(s) or the Terms as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is held to be invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, the Terms or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity except that: (A) If the Class Action Waiver is declared unenforceable in a proceeding between you and us with respect to a Claim that does not seek public injunctive relief, and that determination becomes final after all appeals have been exhausted, this entire Arbitration Provision (except for this sentence) shall be null and void in such proceeding; and (B) If a claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim, and that determination becomes final after all appeals have been exhausted, the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for class-wide or public injunctive relief be arbitrated.
19. Choice of Law and Jurisdiction. These Terms and any dispute related to Family Money will be governed by and construed in accordance with the laws of the State of New York, without regard to any laws that would direct the choice of another state's laws and, where applicable, will be governed by and construed in accordance with the federal laws of the United States.
20. Disclaimer of Warranties. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, VERIZON (AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS), SERVICE PROVIDERS, AFFILIATES, PARENTS, AND SUBSIDIARIES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED REGARDING THE SERVICES OR ANY PART THEREOF INCLUDING THE APPLICATION AND WEBSITE, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, TITLE, INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE; OR RELATING TO THE ACCURACY OR TIMELINESS OF INFORMATION, DATA, COMMUNICATIONS, ACCOUNTS, TRANSFERS, ACCOUNT SET UP, LINKING, TRANSACTIONS, PROCESSING; OR THAT THE SERVICE WILL BE ERROR FREE, SAFE, COMPLETE, ACCURATE WITHOUT FAILURE, DELAY, OR INTERRUPTION; OR RELATING TO LOSS OF DATA, CONTENT OR INFORMATION; THAT THE SERVICE WILL BE FREE FROM HARMFUL CODE; OR WILL MEET YOUR NEEDS OR EXPECTATIONS. WE DO NOT CONTROL NOR ARE WE RESPONSIBLE FOR USER CONTENT, HOW USERS USE THE SERVICES OR ANY PART THEREOF INCLUDING INTERFACES WE PROVIDE, THE BLOCKING OF PURCHASES, USE OF MERCHANT CODES, PURCHASE COMPLETION OR DELIVERY BY MERCHANTS OF PRODUCTS OR SERVICES; NOR THE AVAILABILITY OR OPERATION OF THE APPLICATION, WEBSITE, OR SERVICE OR ANY PART THEREOF. THE SERVICE INCLUDING THE APPLICATION AND WEBSITE ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. YOUR USE OF FAMILY MONEY IS AT YOUR OWN RISK.
21. Indemnification. You agree to indemnify, defend and hold harmless Verizon and its parents, affiliates, subsidiaries, successors, assigns, employees, directors, officers, agents, and service providers from and against any claim, demand, proceeding, loss, damage, cost, fine, penalty, fees, interest, consequential loss, and/or expense (including attorney and other professional fees) arising out of or in connection with your or your User(s)' access to or use of the Services or any part thereof; alleged or actual breach of these Terms, Additional Terms or any third party terms or rights; any violation of applicable law or regulation; conduct resulting in any property damage, loss, or injury to a person or their rights; or misuse of the Services or any part including by any negligence or willful misconduct. You will promptly notify Verizon of any claim related to your use of the Services.
22. Feedback. If you provide us with information, including, but not limited to, feedback, data, answers, questions, comments, suggestions, improvements, observations, evaluation information plans, ideas, or the like, (collectively "Feedback"), either orally or in writing, we shall be free to use any such Feedback for any purpose including but not limited to modification and improvement of the Services without compensation and we shall own all the intellectual property rights relating to such Feedback including any modifications and improvements to the Services. To the extent you provide any Feedback, you hereby assign all intellectual property rights in such Feedback to Verizon and agree not to assert any related rights against Verizon.
23. Non-transferability. Your right to use and access the Services is not transferrable by you to any other person or entity. Neither these Terms, nor any rights hereunder, may be assigned by operation of law or otherwise, in whole or in part, by you without our prior written permission. Any purported assignment without such permission shall be void. Notwithstanding the foregoing, you remain liable for any Users’ use of the Services, App, or Website, as set forth in these Terms.
24. Waiver. Any waiver of our rights under these Terms must be in writing, signed by us, and any such waiver shall not operate as a waiver of any future breach of these Terms. Our failure to exercise any rights or enforce any of these Terms is not a waiver of such right or term.
25. Compliance with Laws. You warrant that your use of the Services, and the use of any of Services by your Users, shall at all times comply with all applicable laws, rules, and regulations. You and your Users are only entitled to use and access the Services for lawful purposes.
26. Terms/Severability. In the event any portion of these Terms is found to be illegal or unenforceable, such portion shall be severed from these Terms to the minimum extent necessary, and the remaining terms shall be separately enforced so that these Terms shall otherwise remain in full force and effect to the fullest extent permitted by law.

Family Money Prepaid Card Program

1. General. The Family Money Prepaid Card Account ("Card Program") is a U.S. prepaid card program, offered as a Bank Product through the Services by our banking partner, Metropolitan Commercial Bank ("MCB"), a New York state chartered bank. For purposes of the Card Program, MCB is the "Issuing Bank". The Card Program, which includes the Card Account and Cards described below, is accessible through the App and is managed by Verizon as Program Manager for the Issuing Bank. By applying for access to the Card Program for you and your Users, you are expressly agreeing to the following terms applicable to the Card Program ("Card Program Terms") governing your and your Users' use of the Card Program. In addition, please see the Issuing Bank's Cardholder Agreement and Bank Privacy Notice for Additional Terms governing the Card Program.
   
   Verizon operates the Card Program as Program Manager for MCB, and its service providers. The Card Program is offered to you as an Accountholder of a Primary Account issued by MCB, if eligible, as well as a Prepaid Visa® Card ("Card") issued by MCB to your children (at least 8 years old) that you enroll in the Service ("Cardholders"). Verizon provides the Family Money Application ("App") by which you as an Accountholder sign up for and enroll you eligible Cardholders in the Card Program. As the Program Manager, we facilitate the promotion and use of the Card Program through our App. We are not a bank or financial institution and no customer prepaid funds are received, held by, or transferred by Verizon in connection with the Card Program. In connection with your use of the Card Program, Family Money provides you the ability to assign chores and control and monitor the Card(s), including the ability to lock the Card(s) and set spending parameters for any Sub-Account(s), among other features.
2. Definitions. For purposes of these Card Program Terms, the following terms have the assigned meanings:
   
   "Accountholder" means you, as the individual that opens and is responsible for the Primary Account and Sub-Account(s). As the Accountholder, you may also be described as the "parent" in the App.
   
   "Card Account" means the financial account that is established at the Issuing Bank for use as part of the Card Program and refers to the Primary Card Account and each Sub-Account. The Card Account does not pay interest.
   
   "Card" means the general-purpose prepaid Visa® card(s) issued by the Issuing Bank to a Cardholder at your request.
   
   "Cardholder" means any Child User (or other older User over 18) that you have authorized to receive and use a Card and linked Sub-Account.
   
   "Cardholder Agreement" means the terms and conditions between you and the Issuing Bank governing your use of the Card Program.
   
   "Funding Account" means the deposit account at a third-party financial institution that you own and designate for use in adding funds to the Primary Card Account and to pay Card Program fees, as applicable. The account must be a checking or savings account with a United States financial institution.
   
   "Primary Card Account" means your Card Account through which you may load and allocate funds to your Cardholder's Cards and Sub-Accounts. The Primary Account is referred to as the "Wallet" in the App.
   
   "Sub-Account" means each Cardholder's Card Account, comprised of a Card and a Vault and the funds and transactions related to each.
   
   "Vault" means a part of a Cardholder's Sub-Account where funds can be placed that cannot be spent using a Card.
3. Eligibility. To enroll in the Card Program you must meet the eligibility requirements, agree to the Family Money, Issuing Bank, and other terms as required in the App or otherwise, and provide verifiable identification. You are not eligible and may not use the Card Program if you or your Cardholders enrolled by you do not meet these eligibility requirements, including that you represent and warrant that:
   1. You and your Cardholders reside in one of the 50 United States or the District of Columbia;
   2. You as Accountholder and all Cardholders are natural persons;
   3. You are at least 18 years of age (or older if you reside in a state where the majority age is older) and can form a legally binding contract;
   4. Your Cardholders that you intend to enroll in the Card Program are at least 8 years old and eligible to use the Card Program under these Card Program Terms;
   5. You have not been previously suspended or deactivated from using Family Money or the Card Program;
   6. You do not already have a Card Program account;
   7. Access to or use of the Card Program by the you and/or any Cardholder does not violate applicable laws;
   8. The Social Security Number and any other identifying information you have provided required to verify your identity, including but not limited to your name, email address, home address and telephone number, is true, correct, complete and current;
   9. Any identifying information that may be submitted by you regarding each Cardholder's identity is also true, correct, complete, and current;
   10. The Funding Account you use for the Card Program is your own and there are and will be sufficient funds available to cover the funds you request be loaded to the Card Account and any applicable fees that are assessed pursuant to the Card Agreement;
   11. You will not use the Card Program for any purpose that is unlawful or prohibited by these Terms, including the Card Program Terms;
   12. You will not (i) intentionally interfere with, alter, or damage operation of the Card Program; (ii) attempt to gain unauthorized access to the Card Program or other accounts, computer systems, or networks connected to Family Money and the Card Program; or (iii) disable, circumvent, or otherwise interfere in any way with Family Money’s security-related features.
   
   We may refuse to enroll an individual in Family Money, with or without cause or notice, except as otherwise required by applicable law.
4. Minors as Cardholders. We may allow you, the Accountholder, to add a Child User as a Cardholder with a corresponding Sub-Account linked to your Primary Card Account, provided that you are his or her parent or legal guardian. You consent to permitting and allowing the Child User to participate in commerce and engage in financial transactions. You further agree to and accept full responsibility for your Child User’s use of the Card Program as a Cardholder, including all financial charges and legal liability that he or she may incur on behalf of your Primary Card Account. Cards are mailed to the address provided in the App for or by each Cardholder.
5. Trial Offer and/or Promotions. Verizon may, at its discretion, offer a free trial and/or promotions for the Card Program. The terms and conditions of any free trial or promotional offer will be made available in the App. To participate, you must agree to the Trial Offer Terms. The Trial Offer Terms may be updated from time to time in the App. If you enroll in the Card Program free trial period or other trial promotional program, the monthly recurring fee ("Monthly Fee") for the paid Card Program plan (see the Fees section below) will not be charged until after the respective free trial or promotional period ends. To be eligible you must be 18 years old and a new Card Program Accountholder. To avoid being charged the monthly fee, you must cancel before expiration of the specified free trial or promotional period ends. Upon expiry of any free trial or promotional period, the Monthly Fee will automatically be debited from your Primary Card Account or Funding Account and renew for payment every 30 days from the end of the trial. You may cancel at any time as per the Trial Offer Terms.
6. Card Program Service Fee and Other Fees. The Card Program is a Paid Service. There is a monthly fee in connection with the Card Program ("Monthly Fee") that you must pay automatically every thirty (30) days based on your plan renewal date (see Settings in the App), until you cancel the Card Account. The Monthly Fee is automatically debited from the Primary Card Account (referred to as the “Wallet” in the App). If there are insufficient funds in the Primary Card Account to cover the Monthly Fee and any other fees you have incurred, the amount due will be debited from one or more of the Sub-Account(s). If the Primary Card Account and Sub-Account(s) do not have sufficient funds to pay the amount due, you authorize the Issuing Bank to debit the Funding Account. By using the Service, you agree to the Family Money Auto-Renew Terms. There are other fees that apply to the Card Program as set out in the Cardholder Agreement and attached to these Terms, as "Schedule of Fees and Charges" in Schedule A.
7. Account Linking and Account Verification. You must link your Primary Card Account to your external Funding Account(s). You may link up to three Funding Accounts in the App. We may change or limit the number of and type of accounts that can be linked. We utilize a third party vendor, Plaid, Inc., for linking of your Funding Account(s) to the Primary Card Account, verification of the Funding Account(s), and receiving balance information to verify that the amount requested is available to fund your Card Account. You are unable to use Family Money unless you have a Funding Account that has been linked to your Primary Card Account. You are required to provide information about your Funding Account to Plaid, which will verify your authority and/or access to the Funding Account you identify. Plaid's Term of Service and Plaid Privacy Policy apply to the linking of the Primary Card Account to your Funding Account(s) as set out in the App.
8. Loading a Card. After linking your Funding Account to your Primary Card Account (called "Wallet"), funds may be added to your Primary Card Account (called "loading") at any time, subject to the restrictions in these Terms and your Cardholder Agreement with the Issuing Bank. The Accountholder may load funds to the Primary Card Account ("Wallet") through the App by authorizing an ACH transaction from the Funding Account for a specified amount on either a one-time or recurring basis. It may take several days for load transactions you authorized to be reflected in your Primary Card Account ("Wallet") balance. Consult your bank for timing applicable to ACH transfers. You can obtain additional information on how to load your Primary Card Account ("Wallet") within the App.
9. Limitations on Usage, Frequency and Dollar Amounts of Transactions. The Card Program has various program limitations including various limits on Card Account balances, transfers, transactions, Card spend, and load transactions. Please see your Cardholder Agreement and Schedule B attached to these Terms for more information.
10. Unauthorized Transactions. Contact us immediately at Support@familymoney.verizon.com if you think that: (a) your Card Account has been accessed without your authorization, (b) a transaction that you did not authorize has occurred, (c) a transaction has been processed incorrectly to or from your Card, Card Account or Funding Account, or (d) your in App transaction history contains a possible error.
11. Customer Service. For Family Money customer service or additional information regarding your Card, please contact Family Money Account Services toll free at: 1-844-936-6639 or the toll-free telephone number on the back of the Card.
12. Cancelling a Card / Cancelling and Closing Your Card Account. You may cancel a Card or cancel your Card Account at any time via the App by going to Settings and following the procedures for cancelling a Card or the Card Account, by calling the toll free Family Money number on the back of the Card, or by calling Family Money customer service toll free at 1-844-936-6639. Cancelling the Card Account stops the recurring charge for the Monthly Fee, but doesn’t refund the Monthly Fee or other charges for the current billing period (except as provided by law). The request to cancel a Family Money Card Account does not automatically close the Account. The Card Account will stay active until the Accountholder’s current billing period ends and pending Card transactions are processed (which can take 7 to 10 business days after the end of the current billing period). You can continue to use the Card Account until the end of the then current billing period. After pending transactions are processed, the Card Account will be closed. We suggest using the Card to deplete the remaining Family Money Account before the end of the current billing period. Any remaining balance in the Family Money Account, minus any fees or negative Account balances, will be refunded to the Accountholder via check sent by U.S. mail or through other means as may be determined by Family Money or the Issuing Bank, after the final billing date. Generally, a refund will be issued to an Accountholder within two weeks of final billing. In the event we terminate your Card Account because we believe you have breached these Terms, the timing of the refund may take longer. For additional information, please see your Cardholder Agreement.
13. Additional Terms Applicable to iOS Users. You acknowledge that these Terms are between you and Verizon and Verizon is solely responsible for the app and its content. You may only use the app on iOS devices that you own or control (family related accounts excepted) per the Apple Media Terms and Conditions. You acknowledge that: (a) Apple is not responsible in any way for the App, including for any maintenance or support for the App (b) Apple and its subsidiaries are, however, third party beneficiaries of these Terms and shall have the right to enforce these Terms against you (c) Apple is not responsible for any claims made by you or a third party regarding the App, including intellectual property infringement claims, or your use or possession of the App, including but not limited to (i) product liability claims, (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement, (iii) claims arising under consumer protection or similar legislation, or (iv) claims, losses, liabilities, damages, costs or expenses relating to a failure to conform to any applicable warranty.
14. Contact Information. For any questions about Family Money, please contact Family Money Account Services at Support@familymoney.verizon.com or by mail to Family Money Account Services, P.O. Box 71402, Salt Lake City, UT 84121. You may also call us at 1-844-936-6639.

Schedule A

MCB Long Form Disclosure Schedule of all fees/charges for the Family Money Card Program

Card Account and card(s) for the Family Money Card Program are issued by Metropolitan Commercial Bank (MCB, Member FDIC).

Your funds are eligible for FDIC insurance and other protections. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Family Money Account Services by calling 1-844-936-6639, by mail at Family Money Account Services, P.O. Box 71402, Salt Lake City, UT 84121, or within the Family Money App.

For general information about prepaid accounts, visit cfpb.gov/prepaid.

If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint

Schedule B – Card Program Usage, Frequency and Dollar Amounts Limitations

Limitations on Usage, Frequency and Dollar Amounts of Transactions.

All transactions are subject to the limitations set forth in the Cardholder Agreement and these Terms, and no transaction may exceed the available balance in the Card Account. The total amount of purchases that Cardholders can perform in any single day is limited to the Daily Purchase Limit. The maximum aggregate value of the Primary Card Account (excluding Sub- Accounts) may not exceed $5,000.00 at any time. The maximum value associated with each Sub- Account is $2,500 ($1,000 allocated to the associated Card and $1,500 allocated to the Vault). For security reasons, we may further limit the number or dollar amount of transactions made with Cards. The following grid is provided in order to highlight the frequency and limitations of Accountholder and Cardholder transactions in a single day or additional time frame if warranted:

In addition, the Accountholder may be able to place certain additional limitations on use of the Card by Cardholders, to the extent supported and available through the Family Money App.