1. Acceptance.
CrowdPay, Inc. (“CrowdPay”) is a financial services company based in Atlanta, GA. The CrowdPay website, mobile applications, and related services (collectively, “crowdpayyourbills.com” or the “Website” or the “Service”) are subject to the following Terms of Use (“Terms”). In this document, “you” refers to the person using the Website; “we” or “us” refers to CrowdPay; “both of us” refers to both you and CrowdPay.
2. Access.
United States Users Only. The CrowdPay Website is intended for individuals permanently residing in the United States, and the information on the Website is provided solely for such individuals. Nothing on the Website should be considered a solicitation to offer services to any person in any jurisdiction where such an offer or solicitation would be unlawful under the applicable laws of that jurisdiction. You may only use the Service if you are at least 18 years old, permanently residing in the United States, and not prohibited from using the Service under the laws of the United States or any applicable state. By using the Website, you represent that you meet these criteria.
Browser Support. CrowdPay supports the two latest versions of the following web browsers: Chrome, Internet Explorer, Firefox, and Safari. Due to the rapidly changing nature of web technology, we cannot guarantee the accuracy or functionality of information provided on crowdpayyourbills.com unless viewed in a supported browser.
Safeguarding Access. You are responsible for securing your password and other account information. You must notify CrowdPay immediately if your password is lost, stolen, or if you suspect any unauthorized access to your account. You are responsible for all activity occurring under your account and/or password through the Website, whether or not such activity is authorized by you. You agree not to disclose your password to any third party and to immediately notify CrowdPay of any actual or suspected unauthorized use of your account. CrowdPay is not responsible for any failure to comply with these obligations.
3. Privacy and Security.
Privacy. Information regarding how CrowdPay works to protect your privacy can be found in our privacy policy.
Telephone Call Monitoring and Recording. Authorized CrowdPay employees may monitor and record all or portions of your telephone calls to CrowdPay for quality control, customer service, employee training, security, legal compliance, and other lawful purposes. Your consent will be ongoing and does not need to be confirmed prior to or during such monitoring or recording, except where required by law.
Electronic Communications. All email correspondence sent to and from CrowdPay will be received and recorded by CrowdPay’s email system and is subject to archival, monitoring, or review by and/or disclosure to individuals other than the intended recipient. Communications through the Website may involve the electronic transmission of personal financial information to the email address you have provided, and by using the Website, you consent to such transmission.
Confidentiality of Information. CrowdPay has taken reasonable steps to ensure the confidentiality of information transmitted via the Website and over the Internet. However, unforeseen changes in technology may allow unauthorized third parties to intercept confidential information. CrowdPay cannot be held responsible if confidential information is intercepted and used by unintended recipients.
Links. Clicking on certain links within the Website may direct you to websites not maintained by CrowdPay. These links are provided for your convenience, and their inclusion does not constitute an endorsement of the website, its content, or the sponsoring organization. CrowdPay assumes no responsibility or liability for the content, accuracy, or reliability of websites linked to from the Website (each a “linked website”). Linked websites are not monitored, reviewed, or checked for accuracy or completeness by CrowdPay. It is your responsibility to evaluate the accuracy and reliability of information found on any linked website. All products, services, and content obtained from linked websites are provided “as is,” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.
Wireless Carrier Authorization. You authorize your wireless carrier to disclose information about your account and wireless device, if available, to CrowdPay or its service providers for the duration of your business relationship. This is solely for identification purposes or to prevent fraud.
Data Collection. When you visit the CrowdPay website, we collect certain anonymous information, including device-related information (e.g., browser type and IP address) and server log information (e.g., the date and time of your visit). We also collect any information you input into the Website. This information is used to better understand our visitors, improve our services, and enhance the CrowdPay experience.
To collect information about your visit to the CrowdPay Website, we use tools such as cookies, pixels, and analytics services. Cookies are small pieces of data stored on your device, and pixels are small code blocks that measure web or email viewing, often used in conjunction with cookies. We use cookies to improve your experience on the Website, storing only anonymous information to distinguish users between visits. Cookies and similar technologies are not required for site functionality, and you may opt out of using them. Analytics services are employed to collect data about usage of the Website, such as the frequency of visits, the pages viewed, and the sites visited prior to arriving at the CrowdPay Website.
4. Copyright and Restrictions on Use.
CrowdPay maintains the Website and is the owner or authorized user of all text, strategies, images, graphics, photos, animations, and other materials contained within the Website. These materials, including copyrights, trademarks, service marks, and all other proprietary content, are protected by U.S. and international copyright laws, trademark laws, and other intellectual property rights. CrowdPay also holds the copyright for the selection, coordination, and arrangement of the materials on the Website. If you become aware of any misuse of information on the Website, please contact CrowdPay to report such abuse. CrowdPay reserves the right to terminate the accounts of any users or clients who infringe on these rights.
The materials provided on the Website are intended for use by prospects and clients of CrowdPay. These materials may not be copied, republished, incorporated into other websites, or reproduced (through linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create derivative works, or exploited in any way without the express written consent of CrowdPay.
You agree not to engage in any of the following prohibited activities:
- Use any robot, spider, scraper, deep link, or other automated data gathering or extraction tools, programs, algorithms, or methodologies to access, acquire, copy, or monitor the Website or any portion of the Website without CrowdPay’s express written consent, which may be withheld at its sole discretion.
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars, or intelligent agents) to navigate or search the Website, except for the search engines and agents available through the Website or generally available third-party web browsers (such as Microsoft Explorer).
- Post or transmit any file containing viruses, worms, Trojan horses, or other harmful or destructive elements that interfere with the proper functioning of the Website.
- Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way forming part of the Website.
- Copy or use any information on the Website in connection with a competitive service.
- Use any information on the Website in any manner not permitted by these Terms.
- Use the Forum or any other area of the Website to publish, distribute, or disseminate inappropriate, profane, discriminatory, obscene, defamatory, indecent, or unlawful topics, messages, materials, or information.
5. No Financial, Legal, or Investment Advice
CrowdPay, Inc. provides its financial services only to individuals who become CrowdPay clients pursuant to a written agreement. Any articles, commentaries, educational materials, or other content provided by CrowdPay on or through the Website are for illustrative or educational purposes only. They do not constitute financial, legal, or tax advice, nor do they represent an offer to buy, sell, or manage any financial product or service. You agree that the information you provide through the Service will be true, accurate, current, and complete, and CrowdPay will rely on this information.
There are risks associated with reliance on hypothetical projections and estimated financial performance. CrowdPay’s financial strategies may not have significant historical data, and as a result, any financial performance mentioned on this Website is based on hypothetical scenarios and does not reflect actual results or guarantees of future performance. Such projections are subject to assumptions that may prove inaccurate. Financial outcomes from suggested strategies may differ materially from projected gains or any forward-looking statements provided by CrowdPay. Furthermore, CrowdPay may update or revise its strategies and financial models, and prior projections may no longer reflect these changes.
There is no guarantee that any specific CrowdPay program will meet your financial goals or provide a particular level of savings or income. All financial activities carry risk, and there is no assurance of positive results over any period of time. You are encouraged to carefully review CrowdPay’s terms and service offerings before becoming a client.
6. Disclaimer of Warranties
ALL PRODUCTS, SERVICES, AND INFORMATION OFFERED THROUGH CROWD-PAY.COM ARE PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTY OF ANY KIND. NEITHER CROWD-PAY NOR ANY THIRD-PARTY SUPPLIERS MAKE ANY WARRANTIES REGARDING THE ACCURACY, ADEQUACY, QUALITY, TIMELINESS, NON-INFRINGEMENT, OR TITLE OF ANY PRODUCTS, SERVICES, OR INFORMATION PROVIDED TO YOU. ALL SUCH WARRANTIES ARE EXPRESSLY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CROWD-PAY AND ITS THIRD-PARTY SUPPLIERS DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, BOTH EXPRESS AND IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, TITLE, AND NON-INFRINGEMENT, AS WELL AS WARRANTIES ARISING FROM A COURSE OF DEALING OR COURSE OF PERFORMANCE.
ALTHOUGH CROWD-PAY TAKES REASONABLE MEASURES TO PREVENT THE INTRODUCTION OF VIRUSES OR OTHER MALICIOUS SOFTWARE, CROWD-PAY DOES NOT WARRANT THAT THE SERVICE, INCLUDING ANY CONTENT OR FEATURES, WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT THE WEBSITE AND ANY INFORMATION ACCESSIBLE THROUGH IT WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL COMPONENTS.
CERTAIN JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF SPECIFIC WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH CASES, ANY IMPLIED WARRANTIES WILL BE LIMITED TO A MAXIMUM DURATION OF NINETY (90) DAYS FROM THE DATE OF YOUR INITIAL USE OF THE WEBSITE.
NOTE THAT SOME STATES DO NOT ALLOW LIMITATIONS ON THE DURATION OF IMPLIED WARRANTIES, SO THESE LIMITATIONS MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER LEGAL RIGHTS THAT VARY BY STATE.
7. Indemnification
You agree to indemnify, defend, and hold harmless Crowd-Pay and its affiliates, officers, directors, employees, consultants, agents, and licensors from any and all third-party claims, liabilities, damages, and/or costs (including, but not limited to, attorneys’ fees and costs) arising from: (a) your failure to comply with these Terms; (b) your infringement or violation of any intellectual property or other rights of a third party; or (c) your violation of any applicable law.
8. Limitation of Liability
IN NO EVENT WILL CROWD-PAY OR ITS OFFICERS, DIRECTORS, AFFILIATES, AGENTS, OR ANY DATA PROVIDER OR SERVICE PROVIDER BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, LOSS OF BUSINESS REVENUE, OR LOST PROFITS, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE, OR ANY OTHER THEORY, ARISING OUT OF: (I) YOUR USE OR INABILITY TO USE THE SERVICE; (II) YOUR RELIANCE ON ANY CONTENT; OR (III) ANY PRODUCTS OR SERVICES ADVERTISED ON THE SERVICE; EVEN IF CROWD-PAY OR ANY RELATED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NEITHER CROWD-PAY NOR ANY DATA PROVIDER OR SERVICE PROVIDER SHALL BE LIABLE TO YOU FOR ANY LOSS OR DAMAGE, DIRECT, INDIRECT, OR CONSEQUENTIAL, ARISING FROM: (I) ANY INACCURACY OR INCOMPLETENESS IN, OR DELAYS, INTERRUPTIONS, ERRORS, OR OMISSIONS IN THE DELIVERY OF THE THIRD-PARTY DATA OR ANY OTHER INFORMATION SUPPLIED TO YOU THROUGH THE SERVICE, OR ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (II) ANY DECISION MADE OR ACTION TAKEN BY YOU OR ANY THIRD PARTY IN RELIANCE UPON THE THIRD-PARTY DATA.
9. Failure to Comply with these Terms of Service
CROWD-PAY reserves the right to suspend or terminate your account and/or deny you access to use the Website in its sole discretion, without prior notice, for any reason. If we believe, in our sole discretion, that a violation of these Terms has occurred, we may take any corrective action we deem appropriate. We reserve the right to investigate suspected violations of these Terms and may seek to gather information from you if we suspect a violation (or from any other user). You agree to provide us with such information. We will fully cooperate with any law enforcement authorities or court orders requesting or directing us to disclose the identity of anyone posting, publishing, or otherwise making available any user information, emails, or other materials believed to violate these Terms. In the event of any suspension or termination, while your right to access the Website terminates, the other provisions of these Terms shall continue in effect.
10. Modifications to Terms; Other Agreements
CrowdPay reserves the right to make changes to these Terms at any time. Any modifications will become effective upon the date they are first posted on this Website. These Terms are in addition to any other agreements between you and CrowdPay that govern your use of the services, content, and information available on the Website.
11. Consent to Terms and Conditions and Modifications
By enrolling in services or applying for an account with CrowdPay, you agree to be bound by the terms and conditions associated with CrowdPay Market Savings and any fees associated with those terms and conditions. The terms and conditions of your account include this Agreement, any disclosures provided by CrowdPay when you open your account, subsequent disclosures provided when using additional products and services, periodic statements, user guides, our Privacy Policy, and any other disclosure or terms provided to you. Continued use of your account signifies your agreement to these terms, your acceptance of the listed fees, and your authorization for us to collect the fees, as earned, directly from your account balance or any linked external accounts.
CrowdPay may amend or change any terms of this Agreement or any account disclosures and documents provided to you. Notice of any amendment or change will be provided to you as required under applicable law.
If at any time the terms, conditions, or fees associated with your account are not acceptable to you, you may terminate this Agreement by closing your account after paying any fees or charges owed to us. CrowdPay may cancel or suspend your account or other account services at any time.
12. Modification to Website
CrowdPay may modify or discontinue, temporarily or permanently, this Website (or any part thereof) at any time and without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Website.
13. Arbitration
To the maximum extent permitted by law, any controversy, dispute, or claim arising out of or relating to these Terms will be submitted to binding arbitration in Houston, Texas, before a single arbitrator in accordance with the Commercial Rules of the American Arbitration Association. The prevailing party will be entitled to attorneys’ fees, costs, and expenses. This agreement to arbitrate does not constitute a waiver of your right to seek a judicial forum where this arbitration clause would be void under federal or applicable state securities laws.
14. Applicable Law
These Terms are entered into in Houston, Texas, and governed by and construed in accordance with the laws of the State of Texas without regard to conflict of law principles. Federal law governs copyright, patent, and trademark matters.
15. Venue
You agree that the proper forum for claims not subject to arbitration under these Terms (or for enforcement of any arbitration award) will be the state or federal courts located in Houston, Texas, and you agree to submit to the jurisdiction of these courts for any claims or disputes between you and CrowdPay, pertaining directly or indirectly to these Terms. With respect to any such proceeding or action brought in such courts, you hereby irrevocably waive, to the fullest extent permitted by law: (a) any objection you may have now or in the future to such jurisdiction or venue, and (b) any claim that such action or proceeding has been brought in an inconvenient forum. Nothing limits either party’s right to commence and prosecute any legal or equitable action or proceeding before any court of competent jurisdiction to obtain injunctive or any other form of relief.
If you have any questions about these Terms, please contact us at support@crowdpayyourbills.com.
16. Identification Notice (USA PATRIOT ACT)
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
This means that when you open an account or use our services, we will ask for your name, physical address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see other identifying documents such as a driver’s license or other documents that validate your identity or may use other means to verify your identity.
Even if you have been an existing customer of ours, we may ask you to provide this kind of information and documentation because we may not have collected it from you in the past or we may need to update our records.
If, for any reason, any owner is unable to provide the information necessary to verify their identity, your account(s) may not be opened, may be blocked, or may be closed.
You are responsible for the accuracy and completeness of all information supplied to us in connection with your account and/or account services and for keeping your personal data with us updated if you move or otherwise make changes to your personal data.
17. CrowdPay Accounts & Products – Confidentiality
We will disclose information about your account or the transactions you make to third parties:
- When it is necessary to complete transactions;
- Upon request from Webster;
- In accordance with your written permission;
- In order to comply with court, governmental, or administrative agency summonses, subpoenas, or orders; and
- On receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.
18. Funds Transfer Service.
“Funds Transfer” is an electronic transfer service provided by Save that enables you to securely transfer funds from an account at another financial institution to your deposit account held at Webster Bank, and/or from your account with Webster Bank to an account at another financial institution. Prior to use, you are required to register your external bank account for verification and security purposes. Once your Funds Transfer service is active, please refer to the Funds Availability schedule to see when your funds will be available for your use in your account. In all cases, funds may be held until we receive verification that the transaction has settled.
By using the Funds Transfer service, you agree that Save will transfer funds through ACH services and that the transaction is subject to completion upon our final review and verification. You agree that such requests constitute authorization for such transfers.
This authorization is to remain in full force until Save has received written notification from you of its termination, you have electronically deleted a registered bank account from the Funds Transfer service, or you have electronically canceled an account and/or transfers from the Funds Transfer service in such time and in such manner as to afford Save and the other financial institution a reasonable opportunity to act on it.
This service may not be available for all customers and/or account types. Please review our Funds Transfer FAQs for information on availability.
By using the Funds Transfer service, you certify that the registered external accounts you transfer funds to and from are under the same ownership as the account with us. In the event that the accounts are not titled the same or ownership among the transferring accounts changes, you will indemnify us for any losses incurred as a result of any transaction you initiate between these accounts that is later returned or reported unauthorized. If you initiate a transfer that is found to be unverifiable or unable to be completed for other reasons, you agree to hold us harmless for any loss resulting from the incomplete transfer. If a transfer is made from a third party’s account or registered as an external deposit account, before we detect it, we may, without notice to you, place those funds on hold and debit your account, returning the funds to the third party’s account in the form of a bank check or funds transfer, once we have confirmed the funds cleared the external account.
If you use the Funds Transfer service to transfer funds to or from an account that has multiple owners, you agree that each owner authorizes the others to (a) initiate the transfer of funds between your accounts with us, as permitted by the Funds Transfer service, (b) register any external bank account, as permitted by the Funds Transfer service, and (c) initiate the transfer of funds between your account(s) with us and any registered external bank account. This authority will cease only after we have received and have been given a reasonable amount of time to act on the appropriate documentation needed to change or remove the owner from the account. Each account owner agrees to be jointly and severally liable to Save for any losses incurred as a result of the improper use of this service up to and including the transfer amount, any applicable fees, and any legal expenses. Your Funds Transfer request will only be completed if you have sufficient funds in the account from which you wish to transfer funds and the accounts are linked for transfer capabilities. Funds Transfer transactions are subject to dollar amount limitations, which are determined by us and may be set according to your account type and/or the type of Funds Transfer service you are using. These limitations are set for security reasons and are not disclosed for that reason.
Save reserves the right to limit the number of external accounts that can be linked to your account for purposes of transferring funds; to limit functionality of the Funds Transfer service by imposing limits, holds, or other measures; and to close your account if unlawful activity is found or suspected.