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 * Consumer Terms of Service Preview
 * Fiat-to-Crypto Onramp Terms
 * Arbitration Agreement Preview
 * Link E-sign Disclosure Preview
 * Acceptable Use Policy Preview
 * Link Bank Payments Authorisation
 * Consumer Terms Contracting Entity Preview
 * Consumer Terms Governing Law Preview


CONSUMER TERMS OF SERVICE

On this page:
 * Link Account Terms
 * Financial Connections Terms
 * Identity Terms


WELCOME!

Effective on 31st July 2023


1. INTRODUCTION AND SCOPE

These Consumer Terms of Service ("Terms of Service" or "Terms") are a legal
agreement between us ("us", "our", "we", or "Stripe") and you, the individual
who uses one or more of the products and services we offer for your personal use
under these Terms (referred to as "you" or "your"), which are Link, Financial
Connections, and Identity (each, a "Consumer Service"). The following Terms are
a legally binding agreement between you and us, and it describes the terms and
conditions applicable to your use of our Consumer Services. By using our
Consumer Services, you agree to be bound by these Terms, and any new features or
tools that are added will also be subject to these Terms. The Stripe entity with
which you are entering into these Terms depends on your location and can be
found here.

These general Terms apply to all of our Consumer Services that reference these
Terms. Businesses that are using our products and services for business purposes
("Business Users") are subject to the Stripe Services Agreement.


2. ADDITIONAL TERMS THAT APPLY TO YOU

The following additional policies and terms also apply when you access or use
the Consumer Services, all of which are incorporated by reference into these
Terms:

 * Arbitration Agreement. IF YOU ARE LOCATED IN THE UNITED STATES, YOU AGREE TO
   OUR ARBITRATION AGREEMENT, WHICH REQUIRES YOU TO RESOLVE DISPUTES BETWEEN YOU
   AND STRIPE ON AN INDIVIDUAL BASIS THROUGH ARBITRATION, PROHIBITS YOU FROM
   MAINTAINING OR PARTICIPATING IN A CLASS ACTION LAWSUIT, WAIVES YOUR RIGHT TO
   A  JURY TRIAL, AND LIMITS THE TIME IN WHICH A CLAIM MAY BE BROUGHT.

 * Link E-Sign Disclosure. You agree to the Link E-Sign Disclosure. It provides
   that we will communicate with you electronically. Your electronic agreement
   has the same effect as if you sign in ink, and you agree to receive notices
   through our Consumer Services.

 * Privacy Policy. You acknowledge the Privacy Policy. Stripe and the Business
   User are independent controllers of personal data collected in conjunction
   with the Consumer Services and will independently and separately determine
   the purposes and means of its processing of personal data.  We may transfer
   your personal data to countries other than your own country, including the
   United States. Please read the Privacy Policy carefully to understand how
   your information is collected, used, and shared in connection with these
   Consumer Services.  Learn more by reviewing Link's Privacy Centre.

 * Product-Specific Terms. A Consumer Service may have specific terms that apply
   when you use that particular Consumer Service. These product-specific Terms
   are listed in the left-hand menu.

 * Acceptable Use Policy. Your use of a Consumer Service is subject to Stripe's
   Acceptable Use Policy.

We may revise these Terms from time to time. We will use reasonable efforts to
notify you of material changes to these Terms in advance of their effectiveness,
including by posting notice on the applicable Consumer Services or providing
notice via an email address associated with you. The revised Terms will be
effective on the date stated in the revised Terms. By using a Consumer Service
after any revisions become effective, you agree to those changes. If you do not
agree with any changes to these Terms, you must stop using the Consumer
Services.


3. ELIGIBILITY

You may only enter into these Terms if you are over the age of majority and able
to enter into a legally binding contract in the country in which you reside.

You must not use the Consumer Services if you have previously been terminated or
suspended from using any of our services, including any Consumer Service. You
may not enter into the Terms or use any Consumer Service if you are the target
of government sanctions, such as those applied by the U.S. Department of the
Treasury Office of Foreign Assets Control, or any other national government.

You must be eligible for the particular Consumer Services to the extent they are
available in your country. If we present an incorrect country for you or you
move countries, then you must correct the country in your account or contact
support before using the Consumer Services again.


4. STRIPE'S ROLE

Any contract of sale made using the Consumer Services is directly between you
and the Business User. You, and not Stripe, are responsible for the purchases
you make using the Consumer Services. The Business User, and not Stripe, is
responsible for the goods or services that you may purchase from them using the
Consumer Services, including but not limited to delivery, quality of goods,
refunds, fraud, advertising, liability relating to the Business User's products
or services, or non-compliance with applicable law.

Your access to and use of the Consumer Services does not change your
relationship with the Business User, third party services or platforms or with
your bank or credit or debit card company.

Except as provided otherwise in these Terms, Stripe will not intervene in any
dispute between you and a Business User for any transactions using the Consumer
Services. If you find yourself in a dispute with a Business User or a third
party, we encourage you to contact the other party and try to resolve the
dispute. You can submit a complaint regarding a Business User to Stripe, and
Stripe may forward your complaint to the Business User with a request that they
contact you directly. Except as provided otherwise in these Terms, Stripe will
not make judgments regarding factual disputes or legal issues or claims between
you and the Business User, and Stripe has no obligation to resolve any disputes.
You release Stripe from any claims, demands, and damages arising out of disputes
relating to your use of the Consumer Services, including those with other users
or parties.

We make no warranties with respect to the products, services or information
provided by Business Users, and we are not responsible or liable for: (a)
product liability claims in respect of Business User products; (b) claims that
the offer or sale of Business User products or services fails to conform to any
applicable legal or regulatory requirement; (c) claims respecting Business
Users' products, services, or practices arising under consumer protection or
similar legislation; (d) any inaccurate, incomplete or out of date information
offered by a Business User; or (e) the acts or omissions of any third party
platform where you may interact with or purchase from.


5. IDENTIFICATION AND PREVENTION OF FRAUD

You agree that:

 * Information you provide about yourself and your use of the Consumer Services
   must be complete and accurate as of the time provided, and you must keep this
   information up-to-date;

 * To the extent law allows, we and our service providers may verify your
   identity. 

 * You must notify us immediately if you become aware of any unauthorised use or
   access to your account. You are responsible for any actions taken through the
   use of your credentials, except for actions taken after you have told us that
   your account or credentials have been compromised.


6. COMMUNICATIONS VIA TEXT, PUSH NOTIFICATION, EMAIL, AND PHONE

To the extent allowable under law, by providing us with a phone number, you
consent to receiving text (SMS) messages, push notifications, and phone calls
from us. Such communications may include, but are not limited to, requests for
secondary authentication, receipts, reminders, notifications regarding updates
to your account or account support, requests for product feedback, and marketing
or promotional communications. You acknowledge that you are not required to
consent to receive promotional texts or calls as a condition of using any
Consumer Service. Call and text message communications may be generated by
automatic telephone dialling systems. Standard message and data rates your cell
phone carrier applies may apply to the text messages we send you.

You may opt-out of receiving promotional email communications we send to you by
following the unsubscribe options on such emails or by managing your
communications preferences in the app. You may opt-out of text messages from
Stripe by replying STOP or by following instructions that you receive in the
text message. You may opt-out of phone calls by notifying the caller or by
contacting support. You acknowledge that opting out of receiving communications
may impact your use of Consumer Services.


7. OUR INTELLECTUAL PROPERTY RIGHTS

We reserve all rights not expressly granted to you in these Terms. The Consumer
Services are protected by trademark, copyright, patent and other laws of the
United States and other countries. We own all rights, title, interest in and to
the Consumer Services and all copies of the Consumer Services, and all
Intellectual Property Rights in them. Your use of the Consumer Services is
subject to these Terms, and these Terms do not grant you any rights to our
Intellectual Property Rights or the Intellectual Property Rights of our
licensors, licensees, or partners.

For the purposes of these Terms, "Intellectual Property Rights" means all patent
rights, copyright rights, mask work rights, moral rights, rights of publicity,
trademark, trade dress and service mark rights, goodwill, trade secret rights,
and other intellectual property rights that may exist now or come into existence
in the future, and all of their applications, registrations, renewals and
extensions, under the laws of any state, country, territory or other
jurisdiction.


8. FEEDBACK

You may choose to submit feedback, ideas and suggestions about the Consumer
Services, but it is never required. You may provide us with feedback on the
Consumer Services by contacting support. You agree that we may use and share all
feedback, ideas, and suggestions you submit for any purpose and without
compensation or obligation to you. 


9. TERMINATION

Termination by Us: We may terminate these Terms, and we may limit, suspend,
change, or remove your access to any or all Consumer Services, including any
feature or aspect of the Consumer Services, at any time for any reason. If
commercially reasonable, we will take reasonable steps to notify you before
taking any action that restricts your access to the Consumer Services. If in our
sole judgment you fail, or we suspect that you have failed, to comply with any
term or provision of these Terms of Service, we may terminate these Terms of
Service at any time without notice to you and accordingly we may terminate your
access to the Consumer Services.

Termination by You: Subject to any product-specific Terms below, you may
terminate any Consumer Service at any time and for any reason by terminating the
Consumer Service or closing or deleting your account as described below in the
Link Account Terms. Termination will be effective on the date that your account
is closed.

Effect of Termination. Upon termination, you will not have any further use of or
access to the Consumer Services. Subject to applicable law, you will also not
have any use of or access to any information you submitted through the Consumer
Services, and all rights granted under these Terms will end. Termination does
not relieve you of your obligations to pay amounts owed to Stripe, Business
Users, or others. Termination does not revoke any third-party payment
authorisations. The following provisions will survive even after these Terms
terminate: Arbitration Agreement, Our Intellectual Property, Feedback,
Disclaimer of Warranties, Limitation of Liability, Governing Law, Assignment and
Third Party Beneficiaries, and Miscellaneous Terms.


10. DISCLAIMER OF WARRANTIES

The Consumer Services are provided "as-is" and without any representation or
warranty, whether express or implied. We, our affiliates, and our respective
agents, contractors, and Business Users (together, the "Disclaiming Entities")
make no representation or warranty of any kind whatsoever (other than those
implied by statute) with respect to the Consumer Services or the content,
materials, information and functions we make accessible, and specifically
disclaim all implied warranties of merchantability, fitness for a particular
purpose, title and non-infringement. We do not promise that the Consumer
Services will be uninterrupted, error-free, or secure.

The Disclaiming Entities do not control or make any warranties regarding the
products or services others provide in connection with the Consumer Services. In
other words, we do not have control over the businesses from which you're
purchasing when using the Consumer Services, and we do not promise or imply that
the products or services you buy using the Consumer Services will work as
promised or be safe to use.

Some laws limit or prohibit disclaiming the warranties referred to in the
previous paragraphs, or impose obligations on us that we can't eliminate with
these Terms. In those cases, this section (Disclaimer of Warranties) does not
restrict, exclude or modify any consumer rights under any applicable law.


11. LIMITATION OF LIABILITY

The Disclaiming Entities will not be liable to you for any failure to perform
our obligation under these Terms due to a Force Majeure Event. A "Force Majeure
Event" is any event beyond the control of Stripe or its affiliates, including a
strike or other labour dispute; labour shortage, stoppage or slowdown; supply
chain disruption; embargo or blockade; telecommunication breakdown; power outage
or shortage; inadequate transportation service; inability or delay in obtaining
adequate supplies; weather; earthquake; fire; flood; act of God; riot; civil
disorder; civil or government calamity; epidemic; pandemic; state or national
health crisis; war; invasion; hostility (whether war is declared or not);
terrorism threat or act; Law; or act of a Governmental Authority.

The Disclaiming Entities will not be liable to you for any failure to perform
our obligations under these Terms where performance of that obligation would
have put us in violation of applicable law.

The Disclaiming Entities will not be liable to you in any circumstances for:

 * Loss of business, loss of goodwill, loss of opportunity, or loss of profit;
   or

 * Any loss that we could not have reasonably anticipated.

Subject to the specific product Terms below and applicable consumer laws in your
country, in no event will a Disclaiming Entity's liability arising out of or in
connection with these Terms exceed $200 USD.

You and we agree that the other has relied on the disclaimer of warranties and
limitation of liability stated above in entering into these Terms, the
limitation and disclaimer are essential to the agreement between you and us
under these Terms, and they will apply to the fullest extent allowed by law.

Some laws restrict our ability to disclaim or limit our liability. In those
cases, this section does not restrict, exclude or modify any consumer rights
under any applicable law.


12. GOVERNING LAW

If you reside in the United States, California law will govern any claim or
dispute between you and us that arises out of these Terms, regardless of
conflict of law principles.

If you reside outside the United States, your governing law is specified here.


13. ASSIGNMENT AND THIRD-PARTY BENEFICIARIES

You must not assign your rights or obligations under these Terms to anyone
without our prior written consent. We may delegate performing our obligations,
and we may assign our rights and obligations under these Terms to Stripe
affiliates, at any time for any reason by providing notice to you. 


14. MISCELLANEOUS TERMS

These Terms, together with the Arbitration Agreement (if applicable), E-Sign
Agreement, Privacy Policy, the Acceptable Use Policy, and the product-specific
Terms below are the only agreement between you and us regarding the Consumer
Services. In the event of an irreconcilable conflict or inconsistency between a
provision in these Terms and any product-specific Terms below, the provision in
the product-specific Terms will govern. These Terms do not create any
partnership, joint venture, or other agency relationship between you and us. If
we do not immediately exercise a right we have under these Terms, we do not
waive that right. We retain our ability and right to enforce any part of these
Terms at a later time. If any part of these Terms is found unenforceable, that
part will be ignored, and all of the remaining terms will remain in effect.


15. CONTACT

If you have a question about the Consumer Services or how these Terms apply to
you, please contact support.


LINK ACCOUNT TERMS

 1. Description of Link
    
    1. Link is a service that allows you to save and manage your information for
       an accelerated experience ("Link"). Link powers an accelerated checkout
       by storing your information upon your authorisation and retrieving it for
       faster checkouts. When you make a purchase at a business that uses Stripe
       and offers Link as an accelerated checkout option (a "Link Merchant"),
       you will be asked if you would like to save your information or use your
       information saved to your Link account for future payments across Link
       Merchants when you are logged in with us on the same browser, app or
       device.
       
    2. When you authorise us to save your information, you are signing up for
       Link and creating a Link account ("Link Account"), and we will collect
       and store certain personal information from you, such as:
       
       1. Your name, email address, and mobile phone number ("Account
          Information"); 
          
       2. Your credit card, debit card, bank account information, and billing
          address ("Payment Information"); 
          
       3. Your shipping address ("Shipping Information"); and 
          
       4. Information related to your purchase from a Link Merchant, such as the
          order date, amount, and product details (such as name, price, photos)
          ("Order Information"). 
          
    3. Together, your Account Information, Payment Information, Shipping
       Information and Order Information are your "Saved Information." All
       personal information collected from you in connection with your use of
       Link is governed by the Link Privacy Policy. As provided in more detail
       in the Link Privacy Policy, we may use your personal information to
       develop and analyse our services, and we may share with our Link
       Merchants and our Business Users any of the following: (i) the fact that
       you have a Link Account, (ii) completed a purchase using Link, or (iii)
       the payment method type used for a purchase you made using Link. Business
       Users are businesses that are using our products and services for
       business purposes, subject to the Stripe Services Agreement.
       
    4. When you use Link on a Link Merchant's website, we or the Link Merchant 
       will use cookies or similar technologies to link your web browser, app or
       device to your Link Account and to recognise you when you visit that Link
       Merchant or another Link Merchant on the same browser or device. You can
       then make purchases using your Account Information, Payment Information,
       and Shipping Information across Link Merchants when you are logged in
       with us on the same browser, app or device. In such cases, we will
       provide the Link Merchant with your Account Information, Payment
       Information, and/or your Shipping Information to facilitate a faster
       checkout. If we don't recognise you (for example, because you've cleared
       your cookies, you're logged out of Link, or you're using a device that is
       different from the one you used to last access Link), you will be able to
       access your Saved Information by logging into your Link Account, such as
       by inputting your email address and a verification code sent to you via
       SMS text message or an email from Link.
       

 2. Use of Link: Your Rights and Obligations
    
    1. You may only save Payment Information with us that you are authorised to
       use.
       
    2. When you are logged into your Link Account and you input or use a new
       payment method (such as a different debit or credit card, or a different
       bank account), you authorise Stripe to save that new payment method
       information to your Link Account as part of your Payment Information. The
       last payment method you used to make a successful transaction may become
       your default payment method the next time you are completing a
       transaction on a Link Merchant's site. You may also change your default
       payment method by logging into your Link Account on app.link.com.
       
    3. Message and data rates may apply for any SMS messages that we send to
       you, or you send to us. If you have any questions about your text plan or
       data plan, contact your wireless or mobile provider.
       
    4. We reserve the right to modify or terminate Link or any of the features
       or tools provided therein for any reason (acting in our reasonable
       discretion), and at any time. We will try to notify you first unless it
       is unreasonable to do so.
       
    5. We reserve the right to refuse service to anyone for any reason at any
       time.
       

 3. Updating or terminating your Link Account
    
    1. These Link Account Terms are effective unless and until they are
       terminated by either you or us. You may terminate these Link Account
       Terms at any time by deleting your Link Account.
       
    2. If you want to delete your Saved Information, your Link Account, or stop
       storing information using Link, please let us know by visiting
       <https://support.link.com/how-to-delete-your-saved-payment-information> 
       and submitting your email address.
       
    3. You can manage your Saved Information on your Link Account, the next time
       you checkout on a Link Merchant site, or by visiting
       <https://support.link.com/> for more instructions. Should you update your
       Payment Information, you authorise Stripe to validate and store your
       Payment Information, including your credit card, on file.
       
    4. If your access to your Link Account is terminated by you or us, we will
       delete your Saved Information in accordance with our Privacy Policy.
       

 4. Adding or Removing a Payment Method
    
    1. You can add or remove certain payment methods to your Link Account such
       as a credit card, debit card, or a U.S. bank account. Before linking a
       payment method, you should review and understand the consumer protection
       rights and remedies available for different payment sources in  your
       jurisdiction, such as under the Electronic Fund Transfer Act (EFTA) and
       Fair Credit Billing Act (FCBA) in the United States.
       
    2. Please keep your Payment Information current (e.g., credit card number
       and expiration date). If this information changes, we may update it using
       information and third-party sources available to us without any action on
       your part. If you do not want us to update your card information, you may
       remove your Payment Information from your Link Account.
       
    3. Removing a payment method from your Link Account does not cancel or
       change any amounts you still owe to a Link Merchant. Specifically, if you
       remove a payment method from your Saved Information, this will not
       terminate or cancel any subscriptions you may have purchased with a Link
       Merchant using your Saved Information. You must cancel your subscriptions
       with the Link Merchant directly.
       
    4. We may ask you to connect your bank account to your Link Account to make
       it easier to pay with your bank account subsequently through your Link
       Account. Any bank account you choose to save to your Link Account is
       referred to as a "Saved Bank Account."  Through your Link Account and
       under the Financial Connections Terms, you may also choose to provide
       your Saved Bank Account details directly to a Business User regardless of
       whether Stripe is involved in a subsequent transaction. We will collect
       data from your Saved Bank Account (and other accounts under the same
       account credentials) pursuant to the Financial Connections Terms and the
       Link Privacy Policy. We may use your Saved Bank Account data to, among
       other things, verify that your Saved Bank Account is valid, check your
       balance to confirm there are sufficient funds for your purchase,
       streamline your requested payments and assess your eligibility for and
       offer you Consumer Services that we or our affiliate provides.
       
    5. Each time you use your Link Account to pay a Link Merchant using your
       Saved Bank Account, you are authorising the Link Merchant to debit your
       Saved Bank Account for up to the total amount you authorise the merchant
       to charge ("Total Authorised Amount") pursuant to the Link Bank Payments
       Authorisation. You authorise us to retry a debit on your Saved Bank
       Account if your bank rejects the original debit. If the Link Merchant
       chooses, they may debit your Saved Bank Account, pursuant to your Link
       Bank Payments Authorisation, for amounts less than the Total Authorised
       Amount, which in the aggregate will not exceed the Total Authorised
       Amount. Where your Saved Bank Account is a U.S. bank account, you agree
       that your grant of the authorisation in this paragraph complies with the
       National Automated Clearinghouse Association (NACHA) operating rules and
       has the same legal effect as if you had signed a paper mandate containing
       the same terms.
       
    6. If you do not see an option to pay using a bank account through your Link
       Account, it may be because the Business User has not allowed those
       payments or the Business User or bank is not eligible for bank payments
       via our Consumer Services. If your bank account transaction fails without
       an actual attempt to debit your Saved Bank Account, it may be because we
       determined the transaction is at high risk of being returned
       unsuccessfully (e.g. if your historical account balance is below the
       transaction amount). This can help prevent you from incurring
       insufficient funds fees from your bank. We recommend that you use a
       different bank account or payment method or reach out to us if you have
       questions. Your use of your bank account as a payment method is also
       subject to the terms, benefits, and protections associated with your
       personal bank account. If you use your bank account as a payment method
       and do not have sufficient funds to make a purchase, you could incur
       overdraft fees, insufficient funds fees or other fees with your bank.
       
    7. If at any time you would like to revoke your Link Bank Payments
       Authorisation or you no longer want your Saved Bank Account to be a
       payment method saved to your Link Account, you must delete your Saved
       Bank Account as a payment method from your Link Account. If a payment
       with your Saved Bank Account was not initiated from your Link Account but
       involved Link or Stripe connecting your financial account with that
       Business User, please see the Financial Connections Terms or this page
       for information on how to disconnect your Saved Bank Account.
       

 5. Backup payment method
    
    1. If your default or selected payment method is unavailable or the
       transaction is unsuccessful using that payment method (for example,
       because your Saved Bank Account has insufficient funds), the Link
       Merchant may initiate a transaction on any other payment method saved to
       your Link Account (a "Backup Payment Method"). Generally, transactions on
       Backup Payment Methods will be attempted in the following order, if
       applicable: (1) Saved Bank Account, (2) debit card, and (3) credit card.
       In some cases, a Backup Payment Method of the same type will be used (for
       example, if your default payment method is a card, the Backup Payment
       Method may also be a card).
       
    2. We will identify that a Backup Payment Method applies before you complete
       the purchase (e.g., whether during a one-time checkout or for any
       subscription payments, during the initial subscription purchase). 
       
    3. If you do not wish to have a Backup Payment Method used, you may either
       (i) not consent to the use of the Backup Payment Method or (ii) manage
       your payment methods on your Link Account.
       

 6. Security
    
    1. We take the protection of your Saved Information seriously and have 
       implemented technical and organisational measures designed to safeguard
       it from accidental loss and from unauthorised access, use, alteration, or
       disclosure. These measures include industry-standard practices and
       technology to help maintain the security, confidentiality, and integrity
       of your data. 
       
    2. While we strive to provide robust security, no system is completely
       foolproof. We cannot guarantee that unauthorised third parties will never
       be able to defeat our security measures or misuse your Saved Information.
       We encourage you to remain vigilant and take responsibility for securing
       your personal information, knowing that you provide it at your own risk. 
       
    3. Learn more about our security here. If you have reason to believe that
       the security of your Link Account has been compromised, please contact us
       immediately at support.link.com/contact.
       

 7. Dormant Accounts
    
    1. If your Link Account remains inactive for a continuous period of two
       years, we may consider the account dormant and may close your Link
       Account at our discretion (a "Dormant Account").
       
    2. A Link Account is considered a Dormant Account if you have not done any
       of the following Link Account activities during a continuous two year
       period: 
       
       1. Making a payment or purchase using Link at a Link Merchant;
          
       2. Adding, updating or removing any of your Saved Information;
          
       3. Initiating account settings changes or updating security preferences;
          
       4. Engaging with customer support related to your Link Account, including
          inquiries or disputes; and
          
       5. Logging in to your Link Account and browsing or reviewing transaction
          history.
          
    3. Prior to closing the Dormant Account, Stripe will notify you using the
       email address associated with your Link Account. Starting from the date
       of our notice to you, we will provide you with a period of 30 days to
       reactivate your Link Account by logging in and performing any Link
       Account activity listed above.
       
    4. If Stripe does not receive a response or the account remains inactive
       after the 30-day notice period, your Link Account will be closed.
       

 8. Protection from Unauthorised Transactions (only for U.S. consumers)
    
    1. You may view your Link Account statement that shows your Link Account
       transactions and certain Order information by logging into your Link
       Account ("Link Transaction History").
       
    2. To protect yourself from unauthorised activity in your Link Account, you
       should regularly log into your Link Account and review your Link
       Transaction History. You should review transaction details to ensure that
       each transaction was authorised and accurately completed.
       
    3. Stripe will protect you from unauthorised transactions initiated with
       your Link Account. When this protection applies, Link will cover you for
       the full amount of the unauthorised activity as long as you cooperate
       with us and follow the procedures described below.
       
    4. What is an Unauthorised Transaction. An “Unauthorised Transaction" occurs
       when your Link Account is used to make a purchase with a debit card
       issued by a U.S.-based bank or a U.S. bank account that you did not
       authorise and that did not benefit you. For example, if someone steals or
       fraudulently obtains access to your Link Account and makes a purchase
       using your Link Account with a saved U.S. debit card or a U.S. Saved Bank
       Account, an Unauthorised Transaction has occurred.
       
    5. What is not considered an Unauthorised Transaction. The following are NOT
       considered Unauthorised Transactions:
       
       1. If you grant authority to someone to use your Link Account (by giving
          them your login information) and they exceed the authority you gave
          them. You are responsible for transactions made in this situation
          unless you have previously notified Stripe that you no longer
          authorise transactions by that individual.
          
       2. Other unauthorised purchases using the Saved Bank Account, including
          via Stripe's payment processing services, but that are not initiated
          with your Link Account. For those types of unauthorised purchases,
          contact your financial institution to report the unauthorised
          activity.
          
    6. Reporting an Unauthorised Transaction.
       
       1. If you believe your Link Account has been compromised, please contact
          Link consumer support immediately at support.link.com/contact or call
          1-888-820-7551.
          
       2. Tell us IMMEDIATELY if you believe that an electronic fund transfer
          has been made without your permission using your login information or
          by other means. If you tell us within the 60 days after we provide you
          with your Link Transaction History showing transfers you did not make,
          you may be eligible for a refund of the full amount paid for
          Unauthorised Transactions.
          

 9. Error Resolution (only for U.S. consumers)
    
    1. What is an Error. An "Error" means the following:
       
       1.  An “Unauthorised Transaction", as it is defined above.
           
       2.  When a transaction is incorrectly recorded in your Link Account.
           
       3.  You send a payment and the incorrect amount is debited from your Link
           Account.
           
       4.  An incorrect amount is credited to your Link Account.
           
       5.  A transaction is missing from or not properly identified in your Link
           Transaction History.
           
       6.  We make a computational or mathematical error related to your Link
           Account.
           
       7.  You request Link Transaction History that Stripe is required to
           provide to you.
           
       8.  You request information concerning pre-authorised (recurring)
           transfers from your Link Account that Stripe is required to provide
           to you.
           
       9.  You request additional information or clarification concerning a
           transfer from your Link Account, including a request you make to
           determine whether an error has occurred.
           
       10. You inquire about the status of a pending transfer from your Link
           Account.
           
    2. What is not considered an Error. The following are NOT considered Errors:
       
       1. If you give someone access to your Link Account (by giving them your
          login information) and they use your Link Account without your
          knowledge or permission. You are responsible for transactions made in
          this situation.
          
       2. Requests for duplicate documentation or other information for tax or
          other recordkeeping purposes.
          
    
    3. In case of Errors or questions about your electronic transfers
       
       1. Telephone us at 1-888-820-7551, contact us at
          support.link.com/contact, or write us at
          Link │Built by Stripe
          Stripe, Inc.
          354 Oyster Point Blvd.
          South San Francisco, CA 94080
          
       2. Notify us as soon as you can, if you think your statement or receipt
          is wrong or if you need more information about a transfer listed on
          the statement or receipt. We must hear from you no later than 60 days
          after the problem or error appeared on your Link Transaction History.
          
          1. Tell us your name and account number.
             
          2. Describe the error or the transfer you are unsure about, and
             explain as clearly as you can why you believe it is an error or why
             you need more information.
             
          3. Tell us the dollar amount of the suspected error.
             
       3. If you tell us orally, we may require that you send us your complaint
          or question in writing within 10 business days.
          
       4. We will determine whether an error occurred within 10 business days
          after we hear from you and will correct any error promptly. 
          
       5. We will tell you the results after completing our investigation. If we
          decide that there was no error, we will send you a written
          explanation. You may ask for copies of the documents that we used in
          our investigation.
          


FINANCIAL CONNECTIONS TERMS

Effective on 23rd June 2023

We provide a Consumer Service that allows you to connect your U.S. financial
accounts to easily share your financial account data with Stripe and our
affiliates (and to the extent identified, our Business User with which you are
interacting), so that you can receive better product experiences. These
Financial Connections Terms, along with the Consumer Terms of Service, apply
when you use this Consumer Service.

When you interact with a Business User that has enabled this Consumer Service,
we will ask you to connect one or more of your financial accounts. If you agree
to connect your financial accounts with us, Stripe will collect data from those
financial accounts (associated with the login information you provide) for
account selection and as reasonably necessary to provide this Consumer Service.
We will only provide the Business User with the data categories (and related
insights) requested by the Business User for the specific accounts you choose to
share with the Business User.

Your financial account data is either provided directly by your financial
institution, or collected by us or our third party partners by collecting,
storing and using your login information (such as your username and password).
We refer to these financial institutions and partners as "Data Sources."
Finicity Corporation is one of our Data Sources, and their terms are available
here and incorporated into these Financial Connections Terms by this reference.
Where our Data Sources enable us to control the specific accounts to which
Stripe accesses data, Stripe will not collect data except from the specific
accounts you select.

When you agree to connect your financial account using this Consumer Service,
you consent to the collection, use, and retention of your financial account data
(including personal data) for that financial account. Once connected to your
financial account(s), we and our Data Sources will regularly collect, use, and
store the following types of data from your financial accounts:

 * Account owner information, including contact information (such as your name
   and address);

 * Account balances, including current and pending balances;

 * Account details, including your account type and bank, and account and
   routing numbers;

 * Account transactions, including balance, transaction date, payee, location,
   transaction, description, and amount.

Among other things, we may use your data to:

 * Verify your financial account;

 * Facilitate the processing of your requested payments;

 * Mitigate fraud, financial loss, or other harm to you, our Business Users, and
   us;

 * Assess your eligibility for and offer you our other products or services;

 * Analyse, develop, and update this Consumer Service and our other products and
   services;

 * Provide you customer support;

 * Comply with law, and enforce our terms; and

 * For other purposes consistent with your consent and applicable law.

For example, we may use your financial account data to decrease the likelihood
that you are charged with insufficient funds fees or experience an ACH return
and to assess your eligibility for and offer you Consumer Services that we or
our affiliates provide. Please review the Financial ConnectionsFAQs to learn
more. We will use your personal data in accordance with our Privacy Policy.

We will only provide the Business User the categories of financial account data
(including related insights) that the Business User requests and with your
permission. Please remember, however, that our Privacy Policy covers our privacy
practices, and not our Business Users' privacy practices. Business Users may use
your financial account data, for example, to verify that your account is valid
and to check your account balance.

In some cases, we and our Data Sources collect and store your financial
institution login information, depending on the type of connection that we have
with your financial institution. You authorise, and represent that you have the
lawful right to authorise, us and our Data Sources to log into and access the
data in your connected financial account(s) for the purposes described above. In
order to provide you a better experience, you also authorise Stripe or our Data
Sources to save, to remember, to trust or to take a similar action for account
logins solely by Stripe or our Data Sources. We or our Data Sources may also be
notified that account login is pending your action (such as your entry of a
multifactor authentication code). We may prompt you to complete that action
directly in your financial institution's application. This Consumer Service is
not endorsed or sponsored by any financial institution whose account(s) are
accessible through this Consumer Service, and we are not an agent of those
financial institutions.

We will only provide the Business User with the data categories (and related
insights) requested by the Business User for the specific accounts you select to
share with the Business User. Otherwise, we disclose your financial account data
and login information only to our trusted service providers and to the Data
Sources only as necessary to provide this Consumer Service. We have implemented
security controls that are designed to safeguard your data. To learn more,
please visit https://stripe.com/docs/security/stripe.

If you want to disconnect your financial account from access by the Business
User, you may do so through our disconnection form. Once your financial account
has been disconnected, the Business User cannot access any subsequently
refreshed financial account data from Stripe. Disconnecting your account or
deleting your personal data from Stripe may not cancel or stop payments
(including recurring payments) that you have already authorised. If you would
like to request our Business User to cease debiting your account or to delete
any copies of your data they obtained through this Consumer Service, please
contact the Business User directly.

Stripe typically does not collect additional information from your disconnected
financial account. In some cases, however, our Data Sources (or your financial
institution) do not enable us to cease collecting your financial account data
until all accounts associated with the applicable login information have been
disconnected. You can also use our disconnection form to request that we
disconnect all accounts and to delete the financial account data we obtained
(and associated login information, if we have collected them).

You may choose for us to save your financial account for future use across our
eligible Business Users, including when you check out on their websites and
applications. When you authorise us to save your financial account to Link, you
are signing up for Link and creating a Link Account, and we will collect and
store certain personal information from you, such as your name, email address,
and mobile phone number. Please see the Link Account Terms for more information
about Link Accounts.


IDENTITY TERMS

Effective on 23rd June 2023

If you agree to save your identity information to your Link Account or verify
your identity using your Link Account, you may choose to use your Link Account
to share your identity verification data in the future with other eligible
businesses (i.e., our Business Users). This identity verification data may
include the personal data you provided (such as a photo of your driver's license
or passport) and our verification results (including insights).

We generate verification results by comparing the information you provide with
information about you that we collect from our Business Users, partners,
identity verification service providers, and publicly available sources. If you
agree for us to verify your identity using your identity document and your
photo, your verification results are based on the biometric identifiers we
generate and store from your images. Learn More. Stripe will use this
information as a controller to verify your identity, including to comply with
our own legal obligations, and for loss and fraud prevention and security
purposes.

Business Users may ask you to verify your identity for a number of reasons,
including to confirm that you do not already have an account or that you are
authorised to use a payment method. An advantage of saving your identity
information to, or verifying your identity with, your Link Account is that you
may not need to go through the trouble of re-submitting your identity
information for other Business Users in the future. Rather, you may be able to
verify your identity more quickly and easily by providing consent to share the
verification data you saved to your Link Account with specific Business Users.
Before you agree to verify your identity through your Link Account with a
Business User, we will inform you whether verification data will be shared with
that Business User. If you agree to share your verification data with a Business
User, please note that Business User is an independent controller of your
verification data, and the Business User's use of your data is subject to the
Business User's privacy policy.

If you want to delete your identity information from your Link Account, there
are instructions for how to do so here. If you choose to delete your identity
information from your Link Account, please note the Business User may still have
your verification data. If you would like to request the Business User to delete
any copies of your personal data they obtained through this End User Service,
please contact the Business User directly.

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