or other access credentials. Registration data and certain other information about you are governed by our Privacy Policy. You are responsible for maintaining the confidentiality of your Online Account and access credentials and for restricting access to your computer and any other devices you use to access your Online Account, and you agree to accept responsibility for all activities that occur under your Online Account or access credentials. You may not assign or otherwise transfer your Online Account to any other person, except to the extent that applicable Additional Terms permit you to add an Authorized User. You acknowledge that we are not responsible for third party access to your Online Account, including access by an Authorized User and access that results from theft or misappropriation of your Online Account or access credentials. We reserve the right, in our sole discretion, to refuse or cancel Services, terminate Online Accounts, or remove or edit Content (as defined in Section 7 below). You agree to (a) immediately notify us of any unauthorized use of your access credentials or Online Account or any other breach of security and (b) ensure that you exit from your Online Account at the end of each session when accessing our Services. We will not be liable for any loss or damage arising from your failure to comply with this provision. Authorized Users. You may be permitted to add one or more Authorized Users to your StoreCash Account(s) or permit an Authorized User to use the Services. Subject to approval, this may include your minor child(ren). Any minor who uses the Services must do so only as authorized by their parent or legal guardian, who must themselves be of majority age. You acknowledge that these Terms will apply to you and each Authorized User, and you hereby expressly accept these Terms on behalf of yourself and each Authorized User. You further agree to and accept full responsibility for any Authorized User’s use our Services, including but not limited to (a) any transactions made by an Authorized User on your StoreCash Account; (b) any transaction made by an Authorized user even if the post date shown on your statement for that transaction occurs after the date you ask us to remove the Authorized User from your StoreCash Account; (c) any transaction made by others if an Authorized User allows them to use your StoreCash Account; (d) Fees and charges resulting from any transaction made by an Authorized User or others if an Authorized User allows them to use your Account; and (e) any other financial charges and legal liability that an Authorized User may incur in connection with their use of your StoreCash Account or an Online Account. You allow us to discuss your StoreCash Account with an Authorized User, which includes giving him or her access to your transaction history and StoreCash Account information. You also agree that an Authorized User may use and receive information about the StoreCash Account the same way you do. By adding an Authorized User, you represent that you have permission from each one to allow us to share information about him or her as allowed by applicable law. This includes information we may get from you, any Authorized User, and information about their transactions and use of the Services.

5. Person to Person Transfers ("P2P Transfers") : The P2P Transfer service allows you to use the App to send funds to other StoreCash users for personal, non-commercial purposes. The P2P Transfers are processed by Bank Partner.

Authorizing a P2P Transfer : When you initiate a P2P Transfer, your payment instruction authorizes Bank Partner to debit the deposit account associated with your StoreCash Account (“Deposit Account”) for the amount of the P2P Transfer, and move the funds to your designated recipient (or Bank Partner, as set forth in Section 5(c) below). If you do not have a StoreCash Account, when you initiate a P2P Transfer, you authorize Bank Partner to debit the amount of the P2P Transfer from your Credit (defined below) balance in your Online Account and move the Credit to your designated recipient. By authorizing a P2P Transfer, you also authorize Bank Partner to initiate any other transactions necessary to correct errors or reverse payments that are rejected or returned. You may not use an external bank account or any other payment method to fund a P2P Transfer. You are solely responsible for ensuring you have sufficient available funds in your Deposit Account or Credit balance in your Online Account necessary to complete any payments initiated through the Service. You agree to reimburse Bank Partner for any fees, costs, or expenses it incurs as a result of insufficient or unavailable funds in connection with any P2P Transfer you initiate.
P2P Transfers With a StoreCash Account : If you have a StoreCash Account, you may use the Deposit Account to send and receive P2P Transfers. Please see your StoreCash Account Agreement for more information about P2P Transfers and additional terms and conditions governing your use of P2P Transfers. If there is a conflict between these Terms and your StoreCash Account Agreement, your StoreCash Account Agreement will control.
P2P Transfers Without a StoreCash Account : If you do not have a StoreCash Account, you may not use P2P Transfers to send and receive cash. However, if you have an Online Account, Bank Partner may permit you to use limited features of the P2P Transfer Service. We may require you to provide and verify information about yourself, such as your name, date of birth, and telephone number, before you can use the P2P Transfer Service.
- Receiving Transfers : If another StoreCash user sends a P2P Transfer to you, the sender’s funds will be held by Bank Partner, and you will receive promotional credit in your Online Account (“Credit”) in an amount equivalent to the funds sent to you. You may not receive cash or redeem your Credit for cash unless you open a StoreCash Account. When you open a StoreCash Account, Bank Partner will automatically redeem your Credit for cash, and deposit the cash in your Deposit Account. It may take several business days for the cash to post to your Deposit Account and become available for your use.
- Sending Transfers : You may use P2P Transfers to send Credit to another StoreCash user. You may not use P2P Transfers to send cash, and you may not link a bank account to fund P2P Transfers. If the recipient of your P2P Transfer has a Deposit Account, the Credit will be automatically redeemed for cash and deposited in the recipient’s Deposit Account, less applicable fees, if any. If the recipient of your P2P Transfer does not have a Deposit Account, the recipient will receive the Credit you send, less applicable fees, if any. You must have sufficient Credit in your Online Account to cover the full amount of the P2P Transfer, plus applicable fees, if any.
- Limitations on Credit : Credit has no cash value until and unless StoreCash redeems your Credit for cash, and credits it to your Deposit Account. Credit is issued solely for promotional purposes. If you do not use or redeem your Credit, your Credit expires 30 days after the date it is issued. If your Online Account is inactive for an extended period of time, it may be deemed “unclaimed” or “abandoned” under applicable state law. If this occurs, we will attempt to notify you as required by applicable law. If Credit remains in your Online Account, the Credit may be reported and escheat to the appropriate state administrator. If you or we terminate your Online Account for any reason while you have an outstanding Credit balance, you may forfeit the Credit. You may not use Credit for a business or commercial purpose. Bank Partner reserves the right to decline to post Credit to your Online Account at any time and for any reason, subject to applicable law. Credit is not insured by the Federal Deposit Insurance Corporation (FDIC).
Sending P2P Transfers to StoreCash Users without StoreCash Account : If you send a P2P Transfer to a recipient who does not have a StoreCash Account, you authorize Bank Partner to hold the funds, and issue Credit to the recipient in lieu of cash. You understand that the recipient cannot redeem the Credit for cash unless and until the recipient open a StoreCash Account. To send a P2P Transfer, you must provide the recipient’s valid mobile telephone number, which is capable of receiving SMS or “text messages.” If the recipient does not have an Online Account, the recipient will receive an SMS message notifying them of your P2P Transfer, with instructions for opening an Online Account and claiming the Credit. Once the recipient has an Online Account, the recipient of your P2P Transfer will receive Credit in the amount of the P2P Transfer you send, as set forth in Section 5(c). If the recipient opens a StoreCash Account, the Credit will be automatically redeemed for cash and deposited in their StoreCash Account as set forth in Section 5(c).
Fees : We do not currently charge fees for P2P Transfers but we reserve the right to do so in the future.
Transaction Limits : We may, at our discretion, impose limits on the amount and/or number of P2P Transfers you can send and receive. If you have a StoreCash Account, your StoreCash Account Agreement imposes limits on the amount and number of P2P Transfers you can send and receive. If you do not have a StoreCash Account, you can find the limits that apply to you in our FAQs at https://www.storecashapp.com/policies. As of the date these Terms were last updated (as set forth on Page 1), if you do not have a StoreCash Account, the limits on P2P Transfers are as follows: You may not send more than two hundred and fifty dollars ($250), or its equivalent in Credit, in any single transaction or in multiple transactions over any seven (7) day period, and you may not receive more than one thousand dollars ($1000), or its equivalent in Credit, in any thirty (30) day period. We or Bank Partner may reject or reverse any transaction that would cause the sender or recipient of the P2P Transfer to exceed these limits, or if we or Bank Partner determine in our sole discretion that the P2P Transfer was invalid for any reason. You agree that we shall incur no liability if we are unable to complete any P2P Transaction or if we reverse a P2P Transfer because of: (i) the sender’s insufficient available funds in the Deposit Account or insufficient Credit balance in their Online Account; (ii) malfunction of the P2P Transfer Service due to circumstances beyond our control or due to circumstances that you were already aware of at the time you initiated your payment instruction; (iii) you provided inaccurate or insufficient payment instructions; (iv) failure of the recipient to receive the P2P Transfer, including their failure to open an Online Account or StoreCash Account; or (v) the transaction would cause the sender or recipient to exceed applicable transaction limits, or violate applicable law, these Terms, the StoreCash Account Agreement, or any other agreement the sender or recipient has with us or Bank Partner. We reserve the right to change these transaction limitations at any time, in our sole discretion, with or without notice to you. It is your responsibility to check our FAQs at https://support.storecashapp.com/hc/en-us for the current transaction limitations.
Fraud Monitoring : We and Bank Partner review P2P Transfer activity at various times for, among other things, suspicious or illegal activity, and whether a P2P Transfer complies with applicable law, these Terms, the StoreCash Account Agreement, or any other agreement the sender or recipient has with us or Bank Partner. In connection with our review process, we may require you to provide additional information and/or documentation to verify your identity. Your Online Account, StoreCash Account, and/or access to Credit or funds sent to you may be limited until verification is completed. Reviews may result in, among other things, (i) delayed, blocked or cancelled P2P Transfers; (ii) money or Credit being held by Bank Partner; (iii) money or Credit being applied to amounts you owe to us or Bank Partner, or used to offset loss incurred by us or Bank Partner; (iv) restriction, suspension, or termination of your Online Account or StoreCash Account; (v) money or Credit being seized to comply with a court order, warrant, or other legal process; and/or (vi) money or Credit you previously received being debited from your Online Account or StoreCash Account and sent to Bank Partner or the sender. Among other reasons, we or Bank Partner may take these actions if you knowingly or unknowingly were a participant in a P2P Transfer that was made from a StoreCash Account or Online Account without the appropriate authorization. P2P TRANSFERS SHOULD ONLY BE USED TO TRANSACT WITH PEOPLE YOU KNOWN AND TRUST. DO NOT USE P2P TRANSFERS TO TRANSACT WITH PEOPLE YOU DON’T KNOW. IF YOU DO, AND WE LATER REVERSE THE P2P TRANSFER (WHICH MAY OCCUR IF IT IS DETERMINED THAT THIS AGREEMENT OR AN AGREEMENT GOVERNING A STORECASH ACCOUNT WAS VIOLATED, OR IF THE P2P PAYMENT WAS NOT AUTHORIZED), YOU COULD LOSE THE MONEY OR CREDIT SENT IN THE P2P TRANSFER. If we, in our sole discretion, determine that you have engaged in abuse, misuse, or fraud in connection with using the P2P Transfer service, or earning or redeeming Credit, or that you attempt to do so, we may take any action, including: (i) take away any Credit in your Online Account; (ii) reverse a deposit to your Deposit Account that occurred as a result of a P2P Transfer or the redemption of Credit for cash; (iii) temporarily suspend your ability to use the P2P Transfer service, receive Credit or redeem your Credit for cash; (iv) terminate your participation in the P2P Transfer Service; and/or (v) cancel or restrict your Online Account and/or StoreCash Account.
Termination : Any pending transactions at the time of termination, closure, or suspension of your Online Account, StoreCash Account, or use of the P2P Transfer service will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, (i) may be made available for you in Bank Partner’s sole discretion and subject to the other conditions in these Terms and applicable law, and (ii) we may require you to link a new bank account that has not been associated with your StoreCash Account to cash out such funds. If an investigation is pending at the time of closure, we may hold your funds or Credit until resolution of the investigation.
Legal Requirements & Process : If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, or if we or Bank Partner otherwise believe we are required to do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your Online Account or StoreCash Account, placing a hold or limitation on such account, or releasing your funds. We and/or Bank Partner will decide, in our sole discretion, which action is required. We and Bank Partner do not have an obligation to contest or appeal any court order or legal process involving you or your Online Account or StoreCash Account.
Refunds, Reversals and Chargebacks : P2P Transfers may be invalidated or reversed by us or Bank Partner if, among other reasons, we send cash or Credit to you in error, the funding transaction is declined or reversed, the P2P Transfer was unauthorized or unfunded, or the P2P Transfer was made for activities or reasons that violate these Terms, your StoreCash Account Agreement, or any other agreement you have with us or Bank Partner. If the P2P Transfer you send or receive is invalidated for any reason, you may be liable to us or Bank Partner for the full amount of the P2P Transfer, and Bank Partner may recover the amount of the P2P Transfer (plus applicable fees, if any) from you. Bank Partner may recover the amount of the P2P Transfer from the sender or recipient in our sole discretion (subject to applicable law). When recovering the amount of an invalidated P2P Transfer from you, Bank Partner may apply any cash or Credit sent to you in a subsequent P2P Transfer, debit cash or Credit from your StoreCash Account or Online Account, engage in collection efforts to recover such amounts from you, place a limitation or restriction on your StoreCash Account or Online Account, or take any other action authorized by these Terms, your StoreCash Account Agreement, or any other agreement you have with us or Bank Partner.
Unauthorized Transactions : To protect yourself from unauthorized P2P Transactions, you should regularly log into your Online Account or StoreCash Account and review the activity on the account to ensure each transaction was authorized and accurately completed. If you believe your password or other access credentials have been stolen, compromised, or a transaction was made without your authorization, notify us IMMEDIATELY writing to us at support@storecashapp.com. If you have a StoreCash Account, your liability for unauthorized transfers and errors in P2P Transfers is limited if you timely notify us, as set forth in your StoreCash Account Agreement. Except as set forth in your StoreCash Account Agreement, we are not responsible for resolving disputes between you and another StoreCash user with whom you engage in P2P Transfer transactions.
Stop Payment : If you have a StoreCash Account, your right to stop payment is set forth in your StoreCash Account Agreement. If you do not have a StoreCash Account, our ability to stop a P2P Transfer once you have initiated it will depend on when you notify us of your desire to stop the transaction, and whether Bank Partner has begun to process the P2P Transfer or has a reasonable opportunity to act on your request to stop the payment. All P2P Transfer requests may be processed as soon as we receive them, and we and Bank Partner may be unable to stop the P2P Transfer.
Taxes : You are responsible for determining whether you owe any taxes as a result of your use of the P2P Transfer service, and remitting such taxes to the appropriate authority

6. Mobile Services; Special Terms Regarding Apple-Enabled Software Applications : We may offer Services that are available via a mobile device, including the ability to access certain features through the App (collectively, the “Mobile Services”). To the extent you access our Services, or send or receive any communications with us through a mobile device, your wireless service carrier’s standard charges, data rates, and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using our Mobile Services, you agree that we may communicate with you by SMS, MMS, text message, or other electronic means to your mobile device and, as a result, that certain information about your usage of our Mobile Services may be communicated to us. The App and other Software (defined below in Section 11(a)) may be made available through the Apple, Inc. (“Apple”) App Store, Android Marketplace or other distribution channels (“Distribution Channels”). If you obtain such Software through a Distribution Channel, you may be subject to additional terms of the Distribution Channel. These Terms are between you and us only, and not with the Distribution Channel. To the extent that you use any other third party products and services in connection with your use of our Services, you agree to comply with all applicable terms of any agreement for such third-party products and services. With respect to Software that is made available for your use in connection with an Apple-branded product (such Software, “Apple-Enabled Software”), in addition to the other terms and conditions set forth in these Terms, the following terms and conditions apply:

StoreCash and you acknowledge that these Terms are between StoreCash and you only, and not with Apple, and that as between StoreCash and Apple, StoreCash, not Apple, is solely responsible for the Apple-Enabled Software and its content.
You may not use the Apple-Enabled Software in any manner that is in violation of or inconsistent with the Usage Rules set forth for Apple-Enabled Software in, or otherwise be in conflict with, the Apple App Store Terms of Service.
Any license we may give you to use the Apple-Enabled Software is limited to a non-transferable license to use the Apple-Enabled Software on an iOS product that you own or control, as permitted by the Usage Rules set forth in the Apple App Store Terms of Service.
Apple has no obligation whatsoever to provide any maintenance or support services with respect to the Apple-Enabled Software.
Apple is not responsible for any product warranties, whether express or implied by law. In the event of any failure of the Apple-Enabled Software to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Apple-Enabled Software to you, if any; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Apple-Enabled Software, or any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty, which will be StoreCash’s sole responsibility, to the extent it cannot be disclaimed under applicable law.
StoreCash and you acknowledge that StoreCash, not Apple, is responsible for addressing any claims of you or any third party relating to the Apple-Enabled Software or your possession and/or use of that Apple-Enabled Software, including: (i) product liability claims; (ii) any claim that the Apple-Enabled Software fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.
In the event of any third party claim that the Apple-Enabled Software or the end-user’s possession and use of that Apple-Enabled Software infringes that third party’s intellectual property rights, as between StoreCash and Apple, StoreCash, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
If you have any questions, complaints or claims with respect to the Apple-Enabled Software, they should be directed to StoreCash as follows: By email: support@storecashapp.com; By mail: G Cards, Inc., 130 Descanso Drive, Unit 209, San Jose, Ca 95134 StoreCash and you acknowledge and agree that Apple, and Apple’s subsidiaries, are third party beneficiaries of these Terms with respect to the Apple-Enabled Software, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you with respect to the Apple-Enabled Software as a third party beneficiary. If you obtain a StoreCash Account, we may permit you to add a card or other access device associated with your StoreCash Account (“Card”) to a digital wallet, such as Apple Pay or Google Pay (each a “Digital Wallet”) to make transactions using an eligible mobile device in lieu of your Card at all merchants and terminals where your Card and the Digital Wallet are accepted. The use of a Digital Wallet is subject to the Digital Wallet Supplemental Terms and Conditions (“Digital Wallet Terms”), which are incorporated herein by reference, and any violation of or non-compliance with the Digital Wallet Terms is also a violation of these Terms.

7. Prohibited Activities : You are solely responsible for all code, video, images, information, data, text, software, music, sound, photographs, graphics, messages, or other materials (“Content”) that you upload, post, publish, or display (hereinafter, “Upload”), email, or otherwise use via our Services. The following are examples of the kind of Content and/or use that is illegal or prohibited. We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this section, including removing the offending Content from our Services, suspending or terminating the Online Account(s) and/or StoreCash Account(s) of such violators, and reporting such violators to law enforcement authorities. You agree to not use our Services to:

Email or otherwise Upload any Content that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to Upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (iv) poses or creates a privacy or security risk to any person; (v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “contests,” “sweepstakes,” or any other form of solicitation; (vi) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful racially, ethnically, or otherwise objectionable; or (vii) in our sole judgment, is objectionable or which restricts or inhibits any other person from using or enjoying our Services, or which may expose us or our users to any harm or liability of any type;
Interfere with or disrupt our Services, servers, or networks connected to our Services, or disobey any requirements, procedures, policies, or regulations of networks connected to our Services;
Violate any applicable local, state, national, or international law, or any regulations having the force of law;
Create or control more than one Online Account or StoreCash Account for yourself;
Send or receive what we or Bank Partner reasonably believe may be fraudulent or unauthorized transactions;
Engage in activity that may result in complaints, disputes, chargebacks, reversals, fees, fines, penalties or other liability or losses to you, us, Bank Partner, other StoreCash users, or third parties;
Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
Solicit personal information from anyone under the age of 18;
Harvest or collect email addresses or other contact information of other users from our Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;
Advertise or offer to sell or buy any goods or services for any business purpose that is not specifically authorized;
Further or promote any criminal activity or enterprise or provide instructional information about illegal activities; or
Obtain, or otherwise attempt to access or obtain, any materials or information through any means not intentionally made available or provided for through our Services.

8. Territorial Restrictions : Software available in connection with our Services and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from our Services or otherwise exported or re-exported in violation of U.S. export laws. Downloading or using our Services is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all domestic and foreign laws regarding your use of our Services, including as it concerns online conduct and acceptable Content.

9. Commercial Use Prohibited : All Services we offer are intended solely for your personal use. Unless otherwise expressly authorized in these Terms or in our Services, you agree not to use, display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer, or upload for any commercial purposes our Services or any part of our Services, including use of or access to our Services, or those of third parties.

10. Illegal Transactions and Internet Gambling : You must not use our Services, including the Mobile Services, Services accessed through our Site, and your StoreCash Account, for any illegal purpose or internet gambling. You must not use your StoreCash Account to fund any account that is set up to facilitate internet gambling. We, Bank Partner or any service provider may deny transactions or authorizations from merchants that are apparently engaged in or are identified as engaged in the internet gambling business.

11. Intellectual Property Rights :

Services Content, Software, and Trademarks : You acknowledge and agree that our Services may contain Content or features (“Services Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by us, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on our Services or the Services Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below in Section 11(c)) that you legally Upload to our Services. In connection with your use of our Services you will not engage in or use any data mining, robots, scraping, or similar data gathering or extraction methods. If you are blocked by us from accessing our Services (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of our Services or the Services Content other than as specifically authorized in these Terms is strictly prohibited. The technology and software underlying our Services or distributed in connection with our Services are the property of StoreCash, our affiliates, and our partners (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted in these Terms are reserved by us. The StoreCash name and logos are our trademarks and service marks (collectively the “StoreCash Trademarks”). Other product and service names and logos used and displayed via our Services may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to us. Nothing in these Terms, any Additional Terms or our Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the StoreCash Trademarks displayed on our Services, without our prior written permission in each instance. All goodwill generated from the use of StoreCash Trademarks will insure to our exclusive benefit.
Third Party Material : Under no circumstances will we be liable in any way for any Content or materials of any third parties (including users), including for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content. You acknowledge that we do not pre-screen Content, but that we and our designees will have the right (but not the obligation) in our and their sole discretion to refuse or remove any Content that is available via our Services. Without limiting the foregoing, we and our designees will have the right to remove any Content that violates these Terms or is deemed by us, in our sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content.
User Content Transmitted Through our Services : With respect to the Content or other materials you Upload through our Services or share with other users or recipients (collectively, “User Content”), you represent and warrant that you own all right, title, and interest in and to such User Content, including all copyrights and rights of publicity. By Uploading any User Content you grant us and our affiliates a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, and irrevocable license to copy, display, upload, perform, distribute, store, modify, and otherwise use your User Content solely in connection with the operation of our Services in any form, medium, or technology now known or later developed. You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information about our Services, submitted by you to us are non-confidential, and we will be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you. You understand that the technical processing and transmission of our Services, including your User Content, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices.

12. Referral Program :

Referral Program : We may offer users the opportunity to participate in a program that rewards users for referring their friends and family members to StoreCash (“Referral Program”).
Earning Rewards : Eligible users will have the opportunity to receive a promotional reward each time you refer a friend to StoreCash using a referral code issued to you by StoreCash when you create an Online Account. In order to earn rewards, you must provide your unique referral code to your friend, your friend must enter your unique referral code when he or she signs up for an Online Account, and both you and the friend you referred to must open, or become Authorized Users of, separate StoreCash Accounts. When this occurs, StoreCash will credit one U.S. Dollar ($1.00) to your StoreCash Account. You may only earn one U.S. Dollar ($1.00) per StoreCash Account opened by a friend you refer, even if you referred two or more friends who each become owners or Authorized Users of the same StoreCash Account. You may not earn rewards for referring an individual who becomes an Authorized User of your StoreCash Account, or for referring an individual that opens a StoreCash Account on which you are or become an Authorized User. You may not earn any rewards if your StoreCash Account is past due, canceled, has a returned payment outstanding, or is otherwise in default. Rewards are issued solely for loyalty, awards, and promotional purposes. You may not use your rewards for a business or commercial purpose. Rewards have no cash value until and unless StoreCash credits your StoreCash Account, as described above. Rewards are not your property and you can’t transfer rewards to any other person. Rewards can’t be transferred by operation of law, such as by inheritance, bankruptcy, or in connection with a divorce. Rewards remain the property of StoreCash until StoreCash credits them to your StoreCash Account. StoreCash reserves the right to decline to credit your account for rewards earned at any time and for any reason, subject to applicable law. If we, in our sole discretion, determine that you have engaged in abuse, misuse, or fraud in connection with earning rewards or that you attempt to do so, we may take any action, including: (i) take away any rewards in your StoreCash Account; (ii) temporarily suspend your ability to earn rewards or receive a credit to your StoreCash Account for rewards previously earned; (iii) terminate your participation in the Rewards Program; and/or (v) cancel your Online Account and/or StoreCash Account.
Amendments, Restrictions, Termination : We may add to, terminate, and/or change the Referral Program at any time with or without notice to you. For example, we could change the amount of rewards you can earn for referrals, impose caps and/or fees on earning and/or using rewards, place restrictions on or terminate your ability to earn or redeem rewards, terminate your membership in the Referral Program, or terminate all or parts of the Referral Program. You acknowledge that in the event we make these changes, you may no longer be able to earn rewards. If you or we close one or more of your StoreCash Account(s) for any reason, we may immediately require you to forfeit all of your ability to earn rewards.
Fees, Taxes : There is no fee to participate in the Referral Program. It is your responsibility to find out if you are liable for any federal, state, or local taxes as a result of earning rewards.

13. Third Party Websites : Our Services may provide, or third parties may provide, links or other access to other sites and resources on the Internet. We have no control over such sites and resources, and we are not responsible for and do not endorse such sites and resources. You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Content, events, goods, or services available on or through any such site or resource. Any dealings you have with third parties found while using our Services are between you and the third party, and you agree that we are not liable for any loss or claim that you may have against any such third party. You may enable or log in to certain Services via various online third-party services, such as social media and social networking services like Facebook or Twitter (“Social Networking Services”). To take advantage of this feature and capabilities, we may ask you to authenticate, register for, or log into Social Networking Services on the websites of their respective providers. As part of such integration, the Social Networking Services will provide us with access to certain information that you have provided to such Social Networking Services, and we will use, store, and disclose such information in accordance with our Privacy Policy. For more information about the implications of activating these Social Networking Services and our use, storage, and disclosure of information related to you and your use of such Social Networking Services in connection with the Services (including your friend lists and the like), please see our Privacy Policy at storecashapp.com/privacy-policy. However, please remember that the manner in which Social Networking Services use, store, and disclose your information is governed solely by the policies of such third parties, and we have no liability or responsibility for the privacy practices or other actions of any third-party site or service that may be enabled within the Service. In addition, we are not responsible for the accuracy, availability, or reliability of any information, Content, goods, data, opinions, advice, or statements made available in connection with Social Networking Services. As such, we are not liable for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Social Networking Services. We enable these features merely as a convenience and the integration or inclusion of such features does not imply an endorsement or recommendation.

14. Indemnity and Release : You agree to release, indemnify, and hold us, our third party product providers, our and their affiliates, officers, employees, directors, and agents harmless from any and all losses, damages, fines, penalties, fees, costs and expenses, including reasonable attorneys’ fees, claims, actions of any kind, and injury (including death) arising out of or relating to your use of our Services, any Content, your connection to our Services, your violation of these Terms, or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.

15. Disclaimer of Warranties : YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. OUR SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT OUR SERVICES WILL MEET YOUR REQUIREMENTS, THAT OUR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF OUR SERVICES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH OUR SERVICES WILL MEET YOUR EXPECTATIONS.

16. Limitation of Liability : YOU EXPRESSLY UNDERSTAND AND AGREE THAT STORECASH AND ANY THIRD PARTY PRODUCT PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, INCLUDING DAMAGES FOR LOSS OF GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF STORECASH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, RESULTING FROM: (a) THE USE OR THE INABILITY TO USE OUR SERVICES; (b) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM OUR SERVICES; (c) UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR TRANSMISSIONS OR DATA; (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OUR SERVICES; OR (e) ANY OTHER MATTER RELATING TO OUR SERVICES. IN NO EVENT WILL STORECASH'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID STORECASH IN THE LAST SIX (6) MONTHS OR, IF GREATER, $100. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF OUR SERVICES OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR SERVICES.

17. Termination : You agree that we, in our sole discretion, may suspend, restrict access to, or terminate your Online Account (or any or all of your StoreCash Account(s)) or use of our Services and remove and discard any Content within our Services, for any reason, including for lack of use or if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms. Any suspected fraudulent, abusive, or illegal activity that may be grounds for termination of your use of our Services may be referred to appropriate law enforcement authorities. You agree that any termination of your access to our Services under any provision of these Terms may be effected without prior notice, and acknowledge and agree that we may immediately deactivate or delete your Online Account and all related information and files in your Online Account and/or bar any further access to such files or our Services, subject to applicable law. Further, you agree that we will not be liable to you or any third party for any termination of your access to our Services.

18. Interactions with Other Users : You agree that you are solely responsible for your interactions with any other user in connection with our Services, and we will have no liability or responsibility with respect to your interactions. We reserve the right, but have no obligation, to become involved in any way with disputes between you and any other user of our Services.

19. General : These Terms constitute the entire agreement between you and us and govern your use of our Services, superseding any prior agreements between you and us with respect to our Services. You also may be subject to additional terms and conditions that may apply when you use affiliate or third-party services, third-party Content, or third-party software. These Terms will be governed by the laws of the State of California without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as set forth below, you and we agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within Santa Clara County, California. Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of our Services or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of these Terms and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign these Terms without our prior written consent, but we may assign or transfer these Terms, in whole or in part, without restriction.

20. State Disclosures California Residents : Under California Civil Code Section 1789.3, users from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. A married applicant may apply for a separate account. If Bank Partner takes any adverse action pursuant to § 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished the consumer credit report and from any other consumer credit reporting agency that compiles and maintains files on consumers on a nationwide basis. Massachusetts Residents. Massachusetts law prohibits discrimination based upon marital status or sexual orientation. New Jersey Residents. IF YOU ARE A USER FROM NEW JERSEY, THE SECTIONS TITLED “DISCLAIMER OF WARRANTIES” AND “LIMITATION OF LIABILITY” ARE INTENDED TO BE ONLY AS BROAD AS IS PERMITTED UNDER THE LAWS OF THE STATE OF NEW JERSEY. IF ANY PORTION OF THESE SECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF NEW JERSEY, THE INVALIDITY OF SUCH PORTION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THE APPLICABLE SECTIONS. Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

21. Dispute Resolution by Binding Arbitration : PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. Agreement to Arbitrate This Dispute Resolution by Binding Arbitration Section is referred to in these Terms as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and StoreCash, whether arising out of or relating to these Terms (including any alleged breach), our Services, any advertising, any aspect of the relationship, or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and StoreCash are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not by a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. Prohibition of Class and Representative Actions and Non-Individualized Relief YOU AND STORECASH AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND STORECASH AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIMS. Pre-Arbitration Dispute Resolution StoreCash is always interested in resolving disputes amicably and efficiently, and most user concerns can be resolved quickly and to the user’s satisfaction by emailing customer support at support@storecashapp.com. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to StoreCash should be sent to 130 Descanso Drive, Unit 209, San Jose, Ca 95134 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If StoreCash and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or StoreCash may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by StoreCash or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you are or StoreCash is entitled. Arbitration Procedures Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Consumer Arbitration Rules (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration page, http://www.adr.org/consumer. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under these Terms and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons. Unless StoreCash and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of each’s ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA. If your claim is for $10,000 or less, StoreCash agrees that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Costs of Arbitration Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value of the relief sought is $75,000 or less, at your request, StoreCash will pay all Arbitration Fees. If the value of relief sought is more than $75,000 and you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of the Arbitration Fees, StoreCash will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, StoreCash will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys’ fees will be governed by the AAA Rules. Confidentiality All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator will be strictly confidential for the benefit of all parties. Severability If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the Subsection titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement will be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of Subsection above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement will be null and void, unless such provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of these Terms will continue to apply. Future Changes to Arbitration Agreement Notwithstanding any provision in these Terms to the contrary, StoreCash agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of our Services, you may reject any such change by sending StoreCash written notice within thirty (30) calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).

22. Contact Us : You may contact us by email: support@storecashapp.com or by mail at G Cards, Inc., 130 Descanso Drive, Unit 209, San Jose, CA 95134.

Fees : We do not currently charge fees for P2P Transfers but we reserve the right to do so in the future.

Taxes : You are responsible for determining whether you owe any taxes as a result of your use of the P2P Transfer service, and remitting such taxes to the appropriate authority

StoreCash and you acknowledge that these Terms are between StoreCash and you only, and not with Apple, and that as between StoreCash and Apple, StoreCash, not Apple, is solely responsible for the Apple-Enabled Software and its content.

You may not use the Apple-Enabled Software in any manner that is in violation of or inconsistent with the Usage Rules set forth for Apple-Enabled Software in, or otherwise be in conflict with, the Apple App Store Terms of Service.

Any license we may give you to use the Apple-Enabled Software is limited to a non-transferable license to use the Apple-Enabled Software on an iOS product that you own or control, as permitted by the Usage Rules set forth in the Apple App Store Terms of Service.

Apple has no obligation whatsoever to provide any maintenance or support services with respect to the Apple-Enabled Software.

You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Interfere with or disrupt our Services, servers, or networks connected to our Services, or disobey any requirements, procedures, policies, or regulations of networks connected to our Services;

Violate any applicable local, state, national, or international law, or any regulations having the force of law;

Create or control more than one Online Account or StoreCash Account for yourself;

Send or receive what we or Bank Partner reasonably believe may be fraudulent or unauthorized transactions;

Engage in activity that may result in complaints, disputes, chargebacks, reversals, fees, fines, penalties or other liability or losses to you, us, Bank Partner, other StoreCash users, or third parties;

Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;

Solicit personal information from anyone under the age of 18;

Harvest or collect email addresses or other contact information of other users from our Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;

Advertise or offer to sell or buy any goods or services for any business purpose that is not specifically authorized;

Further or promote any criminal activity or enterprise or provide instructional information about illegal activities; or

Obtain, or otherwise attempt to access or obtain, any materials or information through any means not intentionally made available or provided for through our Services.

12. Referral Program :

Referral Program : We may offer users the opportunity to participate in a program that rewards users for referring their friends and family members to StoreCash (“Referral Program”).

Fees, Taxes : There is no fee to participate in the Referral Program. It is your responsibility to find out if you are liable for any federal, state, or local taxes as a result of earning rewards.

Terms of Service