# Legal By accessing and/or using OneSafe's Services, you are agreeing to these Terms. If you do not understand or agree to these Terms, please do not use OneSafe's Services. [OneSafe - Terms of Service](/legal/onesafe-terms-of-service) [OneSafe Individual Account Addendum](/legal/onesafe-individual-account-addendum) [OneSafe Electronic Communications Consent Form](/legal/onesafe-electronic-communications-consent-form) [OneSafe Privacy Policy](/legal/onesafe-privacy-policy) [OneSafe Customer Referral Agreement](/legal/onesafe-customer-referral-agreement) ## Partner Agreements OneSafe partners with a variety of third-party providers to deliver digital asset custody and related services. By accessing or using OneSafe’s services, you acknowledge and agree to the terms of service of any applicable third-party providers. If you do not understand or accept our [partners terms](https://docs.onesafe.io/legal/partner-agreements), please do not use OneSafe’s services. # Onesafe - Terms of Service ## OneSafe Terms of Service **Effective Date:** July 20th, 2026 **Last Updated:** July 9th, 2026 These Terms of Service ("Terms") form a legally binding agreement between you (the "Customer," "you") and Thresholdz Inc. ("OneSafe," "we," "us," or "our"), a Delaware corporation that provides integrated crypto- and fiat-compatible financial technology services for businesses and other legally recognized entities, including companies, startups, DAOs, and foundations. By applying for or using any of our Services, you accept and agree to these Terms. OneSafe is a financial technology company, not a bank. OneSafe is not a bank, money services business, money transmitter, or broker-dealer, does not itself take deposits or hold or transmit funds, and does not provide banking, payment, or custody services. Banking, payment, and custody services are provided by OneSafe's licensed banking and custody partners — the regulated financial institutions through which accounts, payments, and custody of funds are made available — and your funds are held by those partners, not by OneSafe, subject to their terms. OneSafe provides the software, interface, and tools that let you access those services. The Services are offered to businesses and other legally recognized entities. Natural persons may use the Services only where invited by OneSafe to open an Individual Account, subject to the Individual Account Addendum, which supplements these Terms for such customers and controls in the event of any conflict with respect to Individual Accounts. ### 1. Use of the Services #### 1.1. Eligibility This is a contract between you and OneSafe. You must read and agree to these Terms before using the Services. If you do not agree, you may not use the Services. You may use the Services only if: * You are a company, DAO, foundation, or other legally recognized entity, or a natural person invited by OneSafe to open an Individual Account under the Individual Account Addendum; * The individual accepting these Terms on your behalf is at least 18 years old and is authorized to bind the entity; * Neither you nor your beneficial owners are located in, organized under the laws of, or otherwise subject to, U.S. or international sanctions, and you are not based in a sanctioned or embargoed jurisdiction; * You are authorized to use the Services and to act on behalf of the entity; and * You agree to comply with these Terms and all applicable laws, rules, and regulations. If you are a natural person opening an Individual Account, the eligibility requirements of Section 1 of the Individual Account Addendum apply to you in place of the entity-specific requirements above. #### 1.2. Creating an Account Your Account provides access to specific Services, which may include crypto-compatible features and third-party integrations. When creating an Account, you agree to provide accurate, current, and complete information ("Customer Information"). This may include, but is not limited to: * Legal name, business entity information, and nature of business; * Business address; * Personal details of administrators, authorized users, or beneficial owners; * Corporate registration certificates, identification, and proof of address. We may provide Customer Information to our licensed banking and custody partners or other third-party providers (such as our identity-verification provider) for verification, compliance, and eligibility purposes. We may deny your application or suspend your Account if Customer Information is outdated, incomplete, or incorrect. By creating an Account, you confirm you are authorized to provide such information. #### 1.3. Account Management and Security You must appoint at least one Administrator when applying. (For Individual Accounts, Section 3 of the Individual Account Addendum applies in place of this Section 1.3's Administrator requirement.) Administrators are authorized to manage the Account, including: * Adding or removing other Administrators or Users; * Managing cards or spend limits (if applicable); * Connecting third-party services; * Reviewing and updating Customer Information. You are solely responsible for all activity conducted under your Account. You agree to: * Use strong, secure passwords and enable multi-factor authentication (MFA); * Use strong second-factor authentication such as security keys where possible; * Notify OneSafe immediately if you suspect unauthorized access or a security breach; * Accept responsibility for the actions of all Users and Administrators. We may suspend access to your Account if we believe it has been compromised. #### 1.4. First-Party Funds You represent, warrant, and covenant that you access and use the Services solely on your own behalf and with your own funds, and that you will not use your Account to request, collect, hold, receive, or transmit funds or assets belonging to any third party. Use of the Account to move third-party funds is strictly prohibited and is grounds for immediate suspension, restriction, or termination of your Account. #### 1.5. Prohibited Use You agree not to: * Use the Services for any unlawful, abusive, or deceptive activities; * Use the Services to move, hold, or process funds or assets on behalf of any third party; * Impersonate individuals or entities, or misrepresent affiliations; * Interfere with the operation of the Services, including by introducing malware or accessing data without authorization; * Reverse engineer, decompile, or otherwise tamper with any part of the platform; * Use automated means to access the Services without our prior consent; * Violate the rights of others or engage in abusive, harassing, or discriminatory conduct; * Use the Services for the benefit of individuals, organizations, or countries on sanctions lists maintained by OFAC or other government authorities; * Use the Services to collect market intelligence for competing platforms; * Engage in abusive, threatening, or improper conduct toward OneSafe, its staff, or partners. #### 1.6. Beta Services OneSafe may offer certain features designated as Beta Services. These features may be unstable or incomplete and are provided "as-is." You acknowledge the risk of using Beta Services and agree not to rely on them for critical operations. Participation is optional and at your discretion. ### 2. Scope of Services #### 2.1. Crypto and Fiat-Compatible Services Subject to eligibility and partner integration, OneSafe provides: * Crypto on- and off-ramps; * Custodial and/or non-custodial wallet access; * Multi-asset account management; * Stablecoin and USD-denominated balances; * Transaction history and reporting tools. #### 2.2. Funds and Currency Support Balances in your OneSafe Account are held in supported stablecoins — currently USD Coin (USDC) or USDB — through OneSafe's licensed banking and custody partners. For convenience, your balance may be displayed in the Services as a U.S. Dollar (USD)-denominated amount. This display is a representation of the value of the underlying stablecoins and does not mean that OneSafe or its partners hold U.S. Dollars on your behalf, that balances are bank deposits, or that they are convertible to U.S. Dollars except as expressly made available through the Services. You may also hold balances in other supported crypto tokens. Supported assets may change at any time, with or without notice. **2.2.1. Unsupported Currencies, Tokens, and Networks; Risk of Loss** You are solely responsible for ensuring that any deposit, transfer, or other transaction to your OneSafe Account is made (i) in a currency, token, or asset that OneSafe currently supports, (ii) on a blockchain network or layer that OneSafe currently supports for that asset, and (iii) to the correct, current deposit address displayed in the Services at the time of the transaction. Supported assets, networks, and addresses may change at any time, with or without notice. OneSafe does not support, custody, monitor, recover, or accept any liability for: * Deposits or transfers of unsupported currencies, tokens, or other assets; * Transactions sent on an unsupported blockchain or layer (including sending an asset on the wrong chain or via an unsupported bridge); * Transactions sent to an incorrect, outdated, or invalid address; or * Transactions where you, your wallet, or a third-party service selected the wrong asset, network, or destination. You acknowledge and agree that any such transaction may result in the permanent and irreversible loss of funds, that OneSafe has no obligation to attempt recovery, return, credit, or replacement of such funds, and that OneSafe shall bear no liability whatsoever — contractual, statutory, or otherwise — for any loss, damage, or expense arising from or related to such transactions. To the extent OneSafe, in its sole discretion, elects to attempt a recovery, you agree that (a) recovery is not guaranteed, (b) OneSafe makes no representations or warranties as to outcome or timing, and (c) OneSafe may charge reasonable fees for the attempt regardless of outcome. #### 2.3. Cards and Payment Features OneSafe may facilitate access to virtual or physical payment cards via third-party partners. These cards may support: * Dynamic spend limits; * Multi-currency spending and conversions; * Rewards or benefits programs (if applicable). **2.3.1. Requesting Cards** Administrators may request Cards for Users but will only do so for individuals who are authorized. Cards may be denied or canceled due to changes in issuer policies, legal obligations, or risk concerns. Cards may be virtual or physical. Administrators can manage Cards through the Services. **2.3.2. Using Cards** Users may only use Cards for legitimate purposes. You must maintain internal controls to ensure Cards are used in accordance with your organizational needs and OneSafe's policies. You are responsible for all Charges made by Users, even if not authorized. Charges may be denied or reversed by card networks or partners. OneSafe is not responsible for such reversals. **2.3.3. Disputed Charges** If you dispute a Charge, contact the merchant directly. If unresolved, submit a dispute via OneSafe. Not all disputes will qualify for a chargeback, and resolution is subject to applicable network rules. You must notify OneSafe within 60 days of the Charge. We may credit your Account if the dispute is deemed valid. **2.3.4. Lost or Stolen Cards** Notify OneSafe immediately if a Card is lost, stolen, or misused. Administrators may request replacements. You are responsible for updating payment information for recurring charges if card details change. OneSafe may suspend Card functionality for security reasons. ### 3. Restricted Activities and Compliance #### 3.1. Restricted Activities You agree not to use the Services for activities that: * Violate AML/CTF regulations; * Involve unlicensed securities trading or fundraising; * Use privacy coins, coin mixers/tumblers, or obfuscation tools; * Support darknet markets, ransomware, or terrorist organizations. #### 3.2. Sanctioned Jurisdictions We do not provide Services to individuals or entities located in embargoed jurisdictions or listed on international sanctions lists maintained by OFAC, the EU, or other relevant authorities. #### 3.3. Enforcement Rights OneSafe may suspend or terminate your Account, freeze assets, or restrict access if we suspect any violation of these Terms or applicable laws, or as required by our licensed banking and custody partners or applicable law. ### 4. Fees and Charges #### 4.1. Fees You agree to pay all fees applicable to your use of the Services, which may include subscription or platform (SaaS) fees, FX or conversion spreads, transaction and payment fees, card fees, onboarding fees, and the miscellaneous and inactivity fees described below. Subscription or platform fees may be billed on a recurring (e.g., monthly or annual) basis. Applicable fees are disclosed on our website, in our documentation, in an applicable plan or order form, or as otherwise communicated to you. #### 4.2. Fees Are Non-Refundable Except where required by applicable law, all fees are non-refundable and are payable in full, are not contingent on your usage of the Services, and no refunds or credits will be provided for partial periods, unused Services, downgrades, or the voluntary or involuntary suspension or termination of your Account. #### 4.3. Authorization to Charge and Set-Off You authorize OneSafe to charge, debit, or deduct fees and other amounts you owe from your Account balance, a linked payment method, or amounts otherwise held for you. OneSafe may set off and deduct from your Account balance, or any amounts held for you, any fees, charges, chargebacks, reversals, or other amounts you owe to OneSafe or its partners under these Terms. #### 4.4. Changes to Fees OneSafe may change its fees from time to time. Continued use of the Services after any change constitutes acceptance of the new fees. (For Individual Accounts, the advance-notice requirements of Section 6 of the Individual Account Addendum apply.) #### 4.5. Miscellaneous and Inactivity Fees In addition to the fees described in Section 4.1, OneSafe may charge administrative fees, including account inactivity fees, account closure fees, and compliance or investigation processing fees. All such fees will be listed in our fee schedule or otherwise disclosed to you before they apply. Where a fee is introduced or changed, we will provide advance notice as required by applicable law, and continued use of the Services after the effective date constitutes acceptance. (Individual Accounts are not charged inactivity, closure, or similar administrative fees, per Section 6 of the Individual Account Addendum.) #### 4.6. Taxes You are responsible for determining and paying any taxes related to your use of OneSafe Services. ### 5. Customer Acknowledgments and Assumption of Risk You understand and accept the risks inherent in crypto-related and cross-border financial services, and you use the Services on that basis. In particular, you acknowledge and agree that: * **Irreversibility.** Blockchain transactions are generally final and cannot be reversed, cancelled, or recalled by OneSafe once submitted to a network or partner. * **Asset, network, and address accuracy.** You are responsible for selecting the correct asset, network, and destination address, as described in Section 2.2.1. Sending unsupported assets, using an unsupported network, or sending to an incorrect address may result in the permanent and irreversible loss of funds, for which OneSafe is not responsible. * **Volatility and value.** The value of digital assets can be volatile and may decline, including to zero. OneSafe does not guarantee the value, liquidity, or convertibility of any asset. * **Stablecoin risk.** Supported stablecoins are issued by third parties, not by OneSafe. A stablecoin may lose its peg, decline in value, or become illiquid or non-redeemable, and OneSafe does not control, guarantee, or assume responsibility for any stablecoin issuer's reserves, redemption, or maintenance of value. * **No insurance.** Digital assets (including stablecoins and other crypto tokens) are not legal tender, are not backed or guaranteed by OneSafe, and are not covered by FDIC deposit insurance or SIPC protection. Any deposit insurance that may apply to fiat balances, if any, is provided solely by a licensed banking partner, only to the extent and subject to the conditions that partner specifies, and OneSafe does not guarantee its availability. * **Third-party reliance.** The Services rely on third-party providers, networks, and protocols that OneSafe does not control. OneSafe is not responsible for the acts, omissions, availability, security, or performance of any third party, including blockchain networks, wallet providers, and partners. * **Regulatory change.** Laws applicable to digital assets and cross-border payments are evolving, and changes may affect the availability of, or your ability to use, the Services. * **Not advice.** OneSafe does not provide legal, tax, accounting, investment, or financial advice, and nothing in the Services constitutes such advice or a recommendation. You are responsible for your own decisions. * **No fiduciary relationship.** Nothing in these Terms creates any fiduciary, advisory, trustee, or agency relationship between you and OneSafe. To the maximum extent permitted by law, you assume all risks described above and agree that OneSafe is not liable for losses arising from them. ### 6. User Responsibilities You agree to: * Provide accurate and truthful information; * Secure your login credentials and devices; * Use the Services lawfully; * Notify us immediately of unauthorized activity. You are responsible for all activity conducted through your Account. ### 7. Disclaimer of Warranties The Services are provided "AS IS" and "AS AVAILABLE," with all faults and without warranties of any kind. To the maximum extent permitted by law, OneSafe and the Indemnified Parties disclaim all warranties, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade. OneSafe does not warrant that the Services will be uninterrupted, secure, error-free, or free of harmful components, or that any data will be accurate or preserved without loss. No advice or information obtained from OneSafe creates any warranty not expressly stated in these Terms. ### 8. Limitation of Liability #### 8.1. Limitation of Liability To the maximum extent permitted by law, OneSafe, its affiliates, agents, directors, employees, suppliers, or licensors shall not be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, the Services. OneSafe is not responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the Services or your Account. We further assume no liability or responsibility for any: * Errors or inaccuracies in content; * Personal injury or property damage resulting from your access to or use of the Services; * Unauthorized access to or use of servers or personal information stored therein; * Interruption or cessation of transmissions; * Bugs, viruses, or other malicious software transmitted via the Services; * Loss or damage incurred from content transmitted through the Services; * User Content or offensive/illegal conduct of any third party; * Deposits, transfers, or other transactions involving unsupported currencies, tokens, or networks, or sent to incorrect addresses, including any resulting permanent loss of funds, as further described in Section 2.2.1. To the maximum extent permitted by law, the total aggregate liability of OneSafe and the Indemnified Parties arising out of or relating to these Terms or the Services will not exceed the greater of (a) the total fees you paid to OneSafe for the Services in the six (6) months immediately preceding the event giving rise to the claim, or (b) US$1,000. This limitation applies regardless of the legal theory and even if we have been advised of the possibility of such damages. The foregoing limitations do not apply to liability that cannot be limited or excluded under applicable law, such as liability for fraud or willful misconduct. #### 8.2. No Guarantee of Access The Services may experience interruptions. We do not guarantee continuous or error-free access. #### 8.3. Force Majeure We are not liable for delays or failures due to causes beyond our control. ### 9. Indemnification To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless OneSafe, its affiliates, and their respective officers, directors, employees, agents, suppliers, licensors, and licensed banking and custody partners (the "Indemnified Parties") from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your access to or use of the Services; (b) your breach or alleged breach of these Terms or any representation, warranty, or covenant in them; (c) your violation of any applicable law or regulation, or the rights of any third party; (d) Customer Information you provide, or your failure to verify the identity or information of your Users; (e) any activity conducted under your Account, including by your Administrators and Users; (f) Charges, transactions, or instructions submitted through your Account; and (g) taxes you are responsible for. OneSafe may, at its option, assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate. This Section survives termination. ### 10. Term, Suspension, and Termination These Terms apply for as long as you have an Account or use the Services. You may stop using the Services at any time. OneSafe may suspend, restrict, freeze, or terminate your Account or access to the Services as described in Section 3.3, or where required by our licensed banking and custody partners or applicable law. On suspension or termination, OneSafe may restrict access and, working with its partners, return any remaining supported balances to which you are entitled to a verified account or wallet you control, subject to completion of applicable compliance checks, applicable law, and deduction of any amounts you owe. OneSafe is not liable for losses arising from a suspension or termination undertaken in good faith. Dormant or unclaimed balances may be handled in accordance with applicable unclaimed-property law. Termination does not relieve you of any obligation to pay fees or other amounts accrued before termination. ### 11. Dispute Resolution #### 11.1. Governing Law These Terms shall be governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles. #### 11.2. Arbitration All disputes shall be resolved through confidential binding arbitration administered by JAMS and governed by the Federal Arbitration Act. Arbitration may be conducted in person in your county of residence or via online/remote methods. Each party shall bear its own costs unless otherwise determined by the arbitrator. This clause does not preclude either party from seeking equitable relief for intellectual property infringement or data security violations. (For Individual Accounts, the consumer arbitration provisions of Section 10 of the Individual Account Addendum apply.) #### 11.3. Class Action Waiver You agree that any arbitration or proceeding shall be limited to disputes between you and OneSafe individually. You may not bring claims as a plaintiff or class member in any purported class or representative action. ### 12. Changes to These Terms We may update these Terms at any time. Updates will be posted to our website or account interface. By continuing to use the Services after an update, you accept the revised Terms. (For Individual Accounts, the notice requirements of Section 11 of the Individual Account Addendum apply to changes affecting Individual Accounts.) ### 13. Miscellaneous **Entire Agreement.** These Terms, together with any policies and agreements referenced in them (including, for Individual Accounts, the Individual Account Addendum), constitute the entire agreement between you and OneSafe regarding the Services and supersede any prior agreements on the subject. **Severability.** If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision will be enforced to the maximum extent permitted by law. **Waiver.** OneSafe's failure to enforce any provision is not a waiver of its right to do so later. **Assignment.** You may not assign or transfer these Terms without OneSafe's prior written consent. OneSafe may assign these Terms freely, including to an affiliate or in connection with a merger, acquisition, or sale of assets. **Survival.** Provisions that by their nature should survive termination — including First-Party Funds, fees accrued, Assumption of Risk, Disclaimer of Warranties, Limitation of Liability, Indemnification, Set-Off, Dispute Resolution, Definitions, and this Section — survive termination. **Relationship of the Parties.** You and OneSafe are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or fiduciary relationship. **No Third-Party Beneficiaries.** Except for the Indemnified Parties and OneSafe's licensed banking and custody partners, these Terms do not create any third-party beneficiary rights. **Electronic Communications.** You consent to receive communications electronically as described in our Electronic Communications Consent and related policies. ### 14. Contact Information For legal notices or support inquiries, please contact: Email: Address: 3 Germay Drive, Wilmington, Delaware 19804, USA ### 15. Definitions **"Administrator"** — A person authorized to manage an Account and act on behalf of the Customer. **"Beta Services"** — Features made available for evaluation purposes that may be incomplete or unstable. **"Charge"** — A transaction made using a Card. **"Customer Information"** — Information provided during onboarding, including business and related personal data. **"Fees"** — The fees described in Section 4, including subscription/platform (SaaS) fees, spreads, transaction and card fees, onboarding fees, and miscellaneous and inactivity fees. **"Indemnified Parties"** — OneSafe, its affiliates, and their respective officers, directors, employees, agents, suppliers, licensors, and licensed banking and custody partners. **"Individual Account"** — A OneSafe Account opened by a natural person under the Individual Account Addendum for personal, first-party use. **"Individual Account Addendum"** — The addendum to these Terms governing Individual Accounts, which supplements these Terms and controls in the event of any conflict with respect to Individual Accounts. **"Licensed banking and custody partners"** — The regulated financial institutions through which accounts, payments, and custody of funds are provided. **"OneSafe Account"** — Your registered account with OneSafe. **"Services"** — The crypto- and fiat-compatible financial technology services provided by OneSafe. **"User"** — Anyone authorized to access and use the Services on the Customer's behalf. By using OneSafe, you acknowledge and accept these Terms of Service. # OneSafe Individual Account Addendum ## OneSafe Individual Account Addendum **Effective Date:** July 20th, 2026 **Last Updated:** July 9th, 2026 This Individual Account Addendum (the "Addendum") supplements the OneSafe Terms of Service (the "Terms") and applies to natural persons invited by OneSafe to open an Individual Account. Together with the Terms, it forms a legally binding agreement between you and Thresholdz Inc. ("OneSafe"). Except as modified by this Addendum, the Terms apply to your Individual Account. **If this Addendum conflicts with the Terms, this Addendum controls for Individual Accounts.** OneSafe is a financial technology company, not a bank. Banking, payment, and custody services are provided by OneSafe's licensed banking and custody partners — the regulated financial institutions through which accounts, payments, and custody of funds are made available — and your funds are held by those partners, not by OneSafe, subject to their terms. As a condition of opening an Individual Account, you may also be required to accept the account agreement of the applicable banking or custody partner. ### 1. Eligibility — Invitation Only Individual Accounts are available **by invitation only**. There is no self-serve individual onboarding, and an application without a valid invitation will not be processed. You may open an Individual Account only if: * You have received a valid invitation from OneSafe. An invitation is personal to you, is not transferable, does not entitle you to an account, and may be withdrawn by OneSafe at any time before or during onboarding; * You are a natural person at least 18 years old, acting solely on your own behalf; * You will use the Individual Account only for personal, first-party purposes (see Section 2); * You reside in a jurisdiction, including any sub-national region, supported by OneSafe and the applicable banking or custody partner; * You are not located in, a resident of, or a national of any jurisdiction subject to comprehensive sanctions, and you are not listed on, or acting on behalf of any person listed on, sanctions lists maintained by OFAC or other applicable authorities; and * You complete OneSafe's identity verification, which includes government-ID verification and screening, and provide accurate, current, and complete information. OneSafe may decline any application, and may suspend or withdraw the individual account program in whole or in part, at its discretion. ### 2. Personal, First-Party Use Only Your Individual Account may be used **only for your own personal funds and your own obligations**. You represent, warrant, and covenant that you will not use your Individual Account to: * Receive, hold, or transmit funds or assets for or on behalf of any other person or business; * Receive funds from third parties for onward transfer to others (including any so-called "money mule" activity); * Transact on behalf of an employer or any business — a business must open its own account under the Terms; * Provide any money-movement, exchange, payment, or similar service to others; or * Conduct commercial activity in a personal capacity in order to avoid business onboarding requirements. Any indication of third-party use is grounds for immediate suspension, restriction, or termination of your Individual Account. ### 3. Authorized Users; Security Your Individual Account has a single account holder with full authority over it: you. Where the feature is made available, you may invite natural persons to access your Individual Account as authorized users ("Authorized Users") at one of two access levels: * **View-only.** The Authorized User may view account information but cannot initiate, request, approve, or execute any transaction. No screening is required for view-only access. * **Payment requester.** The Authorized User may prepare and request payments on your behalf. **Every payment requested by an Authorized User requires your review and approval before it is executed.** Authorized Users cannot approve or execute payments, invite or remove users, or change account settings or limits — those authorities remain exclusively yours. Where offered, you may also set limits on the payments an Authorized User may request. The following apply to Authorized Users: * **Screening for payment requesters.** Before an Authorized User may request payments, they must be at least 18 years old, and identifying information about them — legal name, date of birth, address, and, where applicable, a government identification number — must be provided (by you at invitation, or by the invited person), which OneSafe screens against applicable sanctions and watchlists before access is enabled. No documentary verification is required at this stage; OneSafe may require government-ID verification on a risk basis (for example, on a screening hit, inconsistent information, or where required by a banking or custody partner). OneSafe may decline, suspend, or remove any Authorized User at its discretion, including for screening or eligibility reasons. * **Your account, your funds.** The first-party rule in Section 2 applies without modification: your Individual Account may hold and move only your own funds and serve only your own obligations, and neither you nor any Authorized User may use it for the funds or obligations of any other person — including the Authorized User's own funds. * **Your responsibility.** You are responsible for all activity conducted by your Authorized Users, and a payment you approve is a transaction you have authorized. If you revoke an Authorized User's access, you must remove their access in the Services or notify us; activity occurring before revocation and notice is treated as authorized by you. * **Managing access.** You must promptly remove any Authorized User who should no longer have access. Credentials are personal to each individual: you and each Authorized User must use unique credentials with multi-factor authentication enabled, and credential sharing is prohibited. You agree to keep all credentials and devices secure and to notify OneSafe immediately at \[support contact] if you suspect unauthorized access to your Individual Account. ### 4. Error Resolution and Unauthorized Transactions This Section applies to your Individual Account notwithstanding anything in the Terms, and nothing in the Terms or this Addendum waives, limits, or requires you to waive rights that cannot be waived under applicable law. Where the U.S. Electronic Fund Transfer Act and Regulation E (or other applicable consumer-protection law) apply to a transaction on your Individual Account, the following (or such greater protections as that law provides) apply: **Contact us promptly.** If you believe a transaction on your Individual Account is unauthorized or in error, or that your credentials or access device have been lost, stolen, or compromised, contact us immediately at \[support email] or \[phone]. Telephoning is the best way of keeping your possible losses down. **Your liability for unauthorized transfers.** If you notify us within two (2) business days after learning of the loss or theft of your credentials or access device, your liability for unauthorized electronic fund transfers will not exceed US$50. If you do not notify us within two (2) business days and we can show we could have stopped the transfers had you told us, your liability may be up to US$500. If a periodic statement shows transfers you did not make and you do not report them within sixty (60) days after the statement was transmitted to you, you may not recover amounts taken after that period if we can show your timely notice would have prevented them. **Error resolution.** Notify us within sixty (60) days after the first statement on which a suspected error appeared, including your name, account identifier, a description of the suspected error, and the dollar amount. We will investigate and determine whether an error occurred within ten (10) business days of your notice and will correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate, in which case we will provisionally credit your account within ten (10) business days for the amount in question while the investigation is completed. We will report the results to you within three (3) business days after completing the investigation and, if we determine no error occurred, will send you a written explanation. **Scope note.** Certain transactions — including transfers of digital assets to external wallets and blockchain transactions generally — may not be electronic fund transfers covered by Regulation E. Section 5 of the Terms (irreversibility of blockchain transactions) continues to apply to such transactions. \[Counsel to confirm the coverage line for the supported products and partner rails.] ### 5. Cards Payment cards are available to Individual Accounts only where expressly offered by OneSafe and the applicable issuing partner. If a card is offered to you, separate consumer card terms — including error-resolution and liability provisions applicable to consumer cards — will be provided at issuance and will govern the card. Sections 2.3.2 and 2.3.3 of the Terms apply to Individual Accounts only to the extent consistent with those consumer card terms and applicable law. ### 6. Fees The fees applicable to Individual Accounts are stated in the fee schedule presented to you at onboarding or in the Services. Notwithstanding Section 4.5 of the Terms, OneSafe does not charge account inactivity, account closure, or similar administrative fees on Individual Accounts. For Individual Accounts, and notwithstanding Sections 4.4 and 12 of the Terms, OneSafe will provide you **at least twenty-one (21) days' advance written notice** of any change that imposes a new fee, increases an existing fee, or increases your liability, where such notice is required by applicable law. ### 7. Communications You consent to receive communications, disclosures, and statements electronically as described in the OneSafe Electronic Communications Consent. You may withdraw that consent as described there; withdrawal may affect the availability of the Services. Where applicable law grants you the right to receive a disclosure on paper, that right is not waived by this Addendum. ### 8. Risk Acknowledgments The acknowledgments in Section 5 of the Terms apply to your Individual Account. In particular, and in plain terms: * **Blockchain transactions are generally final.** Once submitted to a network, they usually cannot be reversed or recalled. * **You are responsible for the destination.** Sending an unsupported asset, using an unsupported network, or sending to a wrong address may result in permanent loss of funds. * **Digital assets are not bank deposits.** Digital assets, including stablecoins, are not legal tender, are not guaranteed by OneSafe, and are **not covered by FDIC deposit insurance or SIPC protection**. Any protection that may apply to fiat balances, if any, is provided solely by a licensed banking partner on that partner's terms. * **Values can fall.** The value of digital assets, including stablecoins, can decline, including to zero, and a stablecoin may lose its peg or become illiquid. ### 9. Suspension, Termination, and Return of Balances OneSafe may suspend, restrict, freeze, or terminate your Individual Account as described in Sections 3.3 and 10 of the Terms, including where required by a banking or custody partner or applicable law, or upon withdrawal of your invitation or of the individual account program. On termination, OneSafe will, working with its partners, return any remaining supported balances to which you are entitled to a verified account or wallet you control, subject to completion of applicable compliance checks, applicable law, and deduction of amounts you owe. Dormant or unclaimed balances may be handled in accordance with applicable unclaimed-property law. ### 10. Dispute Resolution for Individual Accounts Section 11 of the Terms applies to Individual Accounts as modified by this Section: * **Consumer arbitration standards.** Any arbitration between you and OneSafe will be administered by JAMS under its rules and, where applicable, its **Consumer Arbitration Minimum Standards**. Your filing fee will not exceed the amount specified by those standards (currently US$250), and OneSafe will pay all remaining JAMS fees and arbitrator compensation. The arbitration will be conducted in the county where you reside or remotely, at your election. * **Small-claims option.** Either party may bring an individual claim in small-claims court instead of arbitration, if it qualifies. * **Opt-out right.** You may opt out of arbitration by sending written notice to within thirty (30) days of first accepting this Addendum, stating your name, account identifier, and intent to opt out. Opting out will not affect any other provision of the Terms or this Addendum. * **Class action waiver.** The class action waiver in Section 11.3 of the Terms continues to apply. \[Counsel to confirm enforceability posture for consumer accounts in relevant jurisdictions.] ### 11. Changes to This Addendum OneSafe may update this Addendum. For changes that materially reduce your rights or increase your fees or liability, OneSafe will provide advance notice consistent with Section 6. Your continued use of the Individual Account after the effective date of a change, following any required notice, constitutes acceptance. ### 12. Definitions **"Authorized User"** — a natural person invited by the Individual Account holder to access the Individual Account under Section 3, with view-only or payment-requester access; payment-requester access requires the screening described in Section 3, and Authorized Users cannot approve or execute payments. **"Individual Account"** — a OneSafe Account opened by a natural person under this Addendum for personal, first-party use. **"Invitation"** — a personal, non-transferable invitation issued by OneSafe permitting a natural person to apply for an Individual Account. Capitalized terms not defined in this Addendum have the meanings given in the Terms. *** By opening or using an Individual Account, you acknowledge and accept the Terms as supplemented by this Addendum. # OneSafe Electronic Communications Consent Form ### ⬅️ [Back to all legal agreements](https://docs.onesafe.io/) ## Consent to Electronic Communications #### 1. Consent to Electronic Communications This Electronic Communications Agreement is a legally binding agreement between **Thresholdz Inc., doing business as OneSafe (“OneSafe,” “we,” “us,” or “our”)**, any financial institution or service providers that support the OneSafe platform (“Service Partners”), and **you**, the individual or legal entity using OneSafe services (“you” or “your”). Your consent covers **all Communications relating to any OneSafe product or service**. Your consent will remain in effect until you notify us that you wish to withdraw it. If you are opening or using a OneSafe account on behalf of a business or other organization, you represent and warrant that you have the authority to bind that organization to this agreement. For purposes of this agreement, **“Communications”** means disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, or other information that we provide to you, or that you sign, submit, or agree to at our request. OneSafe operates as a digital financial platform and provides Communications **exclusively in electronic form**. By accepting this agreement, you confirm that you are willing and able to receive Communications electronically and consent to receiving them electronically. This consent applies to Communications provided by **OneSafe as well as Communications provided or made available through our Service Partners**. You also agree to the use of **electronic signatures** in connection with your OneSafe account and services. If you do not consent to receive Communications electronically, you may not open or maintain a OneSafe account. If you withdraw your consent after providing it, we may not be able to continue providing services to you and may close your account. *** #### 2. Delivery Methods We, or our Service Partners acting through us, may deliver Communications to you electronically through one or more of the following methods: • the OneSafe website at [**https://onesafe.io**](https://onesafe.io)\ • the OneSafe application or account dashboard\ • electronic mail (“Email”)\ • text or SMS messages (“Text Messages”)\ • other electronic channels we may make available If we provide Communications through a platform or location other than the above methods, we will notify you where the information can be accessed. In certain circumstances, we or our Service Partners may be required by law to provide Communications to you in paper form even if you have consented to electronic delivery. *** #### 3. Hardware and Software Requirements To access and retain electronic Communications from OneSafe, you will need: • a computer or mobile device with an operating system capable of supporting the requirements below\ • an internet connection\ • a current version of a supported web browser, including: * Microsoft Edge version 42 or higher * Firefox version 62 or higher * Safari version 12 or higher * Chrome version 69 or higher • a hard drive or other method for storing data\ • a valid and active email address\ • a current version of software capable of viewing PDF files We may update these requirements from time to time to ensure the continued delivery of electronic Communications. If any changes materially affect your ability to access Communications, we will notify you. Before consenting, you may be asked to demonstrate your ability to receive and retain Communications electronically. By confirming, you acknowledge that you can access and retain electronic Communications. *** #### 4. Updating Contact Information You are responsible for maintaining accurate and current contact information so that you can receive Communications without interruption. We are not responsible for Communications that you do not receive due to outdated or incorrect contact information. You may update your email address or other contact information by logging into your OneSafe account and updating your **Settings**, or by contacting us at: **** *** #### 5. Communications in Writing Applicable laws may require that certain information be provided to you **“in writing.”** All Communications delivered to you electronically, or otherwise made available electronically, will be considered **provided in writing**. *** #### 6. Withdrawing Consent You may withdraw your consent to receive Communications electronically at any time by contacting us at ****. If you withdraw consent, we may no longer be able to provide services to you electronically. In that case, we may close your account and provide any required final communications through legally permissible means. \
# OneSafe Privacy Policy ### ⬅️[ Back to all legal agreements](https://docs.onesafe.io/) ## OneSafe Privacy Policy **Last Updated: June 15, 2026** This Privacy Policy explains how Thresholdz Inc. ("OneSafe," "we," "our," or "us") collects, uses, discloses, and protects information relating to users of our services. This Policy applies to visitors and users of our website (onesafe.io) and our related tools, integrations, APIs, and features (collectively, the "Services"). Please read this Privacy Policy carefully. By using, accessing, or downloading any part of the Services, you consent to the practices described herein. If you do not agree with this Privacy Policy, please refrain from using the Services. ### 1. Scope and Updates to This Policy This Privacy Policy covers how we handle personal information in connection with the Services, including both fiat and crypto-related functionalities. It is the single, comprehensive statement of OneSafe's privacy practices, including how we collect, use, share, and protect your information and the choices available to you. We may update this Privacy Policy from time to time. If changes are material, we will notify you using reasonable means (e.g., via email or in-app notice) and update the "Last Updated" date. If you continue to use the Services after any changes, you are agreeing to the updated terms. ### 2. Information We Collect #### A. Information You Provide to Us We may collect information directly from you, including: * **Personal and contact details:** name, email, phone number, mailing address. * **Organizational and identity data:** business name, incorporation status, tax ID, KYC/KYB documentation, and beneficial-owner information. * **Account credentials:** username or login handles for authenticated access. * **Wallet and financial information:** public wallet addresses, fiat account details, transaction history, and billing information. * **Communications:** any messages you send us, including customer support, feedback, and general inquiries. * **Third-party connections:** when you connect a third-party service or external wallet to OneSafe, we may receive related account and transaction data. * **Authentication data:** login events and related metadata from our authentication provider (Clerk). #### B. Information Collected Automatically We may automatically collect technical and behavioral data about your use of the Services, including: * IP address and device identifiers. * Approximate geolocation (via IP). * Browser type and operating system. * Access timestamps and session duration. * Clickstream data, user flows, and feature usage. * Log and error information, analytics cookies, and performance metrics. We use tools such as cookies, pixel tags, and similar technologies to gather this data. You can manage your cookie settings via your browser. ### 3. How We Use Your Information We use the information we collect for various lawful business purposes, including: #### A. Service Delivery and Operation * Providing access to platform functionality; processing fiat and crypto transactions; managing custodial and non-custodial wallets; authenticating and securing accounts; and delivering support, notifications, and updates. #### B. Legal and Regulatory Compliance * Verifying identity and organizational status (KYC/KYB); screening against sanctions and watchlists (AML/CFT); and fulfilling tax, audit, and reporting obligations. #### C. Platform Improvement * Analyzing user behavior and platform usage; debugging and improving performance; and enhancing feature development and reliability. #### D. Safety, Security, and Risk Prevention * Detecting and mitigating fraud or abuse; investigating anomalies and enforcing policies; and ensuring platform integrity and resilience. #### E. Communications and Marketing * Sending transactional and service-related messages; providing updates about new features (with your consent); and running feedback surveys or beta programs. #### F. Data Retention We may retain your data for as long as your account remains active, as required by applicable financial, tax, or AML laws, and as necessary to maintain platform integrity, enforce our rights, detect fraud, or comply with regulatory obligations. ### 4. How We Share Your Information We may share your personal information and nonpublic personal information ("NPPI") with: * **Service providers** — vendors that support our infrastructure and operations, such as cloud hosting and infrastructure (e.g., AWS and Vercel), our database provider (MongoDB), our authentication provider (Clerk), our identity-verification provider (Persona), and analytics and support providers. * **Licensed banking and custody partners** — the regulated financial institutions through which accounts, payments, and custody of funds are provided. * **Third-party services you connect** — external services or wallets you choose to link to OneSafe. * **Affiliates** — our parent company and subsidiaries. * **Professional advisors** — law firms, auditors, and consultants. * **Regulators and authorities** — to comply with legal obligations or respond to lawful requests. * **In a business transfer** — if we undergo a merger, acquisition, or reorganization. * **With your consent** — as clearly disclosed at the time of collection. **Contractual protection of your information.** Where we share personal information or NPPI with service providers or other third parties, we require them to be bound by written agreements that obligate them to protect that information, to use it only for the purposes for which it was shared, and to apply safeguards consistent with this Policy and applicable law. We do not authorize these recipients to use your information for their own independent purposes. **Everyday business purposes.** We share information as needed to run our business and provide the Services — for example, to process your transactions, maintain your account, verify identity, prevent fraud, and respond to court orders, subpoenas, or lawful requests from regulators and law enforcement. We do not sell your information, and we do not share it with partners for their own use or marketing. OneSafe does not sell personal information or NPPI, and does not share it with third parties for those parties' own independent marketing or other purposes. Any third party that receives your information does so only to provide services to OneSafe or to facilitate the Services you have requested, under the contractual protections described above. We may use and share information that has been aggregated or de-identified so that it does not identify you or your business. #### Your Sharing Choices Because OneSafe does not share your information with third parties for their own use or marketing, there is no such sharing for you to opt out of. If you have questions about how your information is shared, or wish to limit other communications from us, contact us at . Your marketing-communication choices are described in Section 9 (SMS Notifications) and Section 8 (Cookies and Tracking), and additional rights are described in Section 7. ### 5. Blockchain Considerations Certain activity on the OneSafe platform may be recorded on public or permissioned blockchains. This includes wallet addresses, transaction metadata, and balances. Due to the immutable and transparent nature of blockchain systems, this information may be publicly accessible and cannot be modified or deleted. You should exercise caution when using wallet addresses or identifiers that are tied to personal or organizational identity. ### 6. Data Security and Breach Notification #### A. Information Security Program OneSafe maintains a written information security program with administrative, technical, and physical safeguards designed to protect the personal information and NPPI we hold, consistent with the FTC Safeguards Rule (16 C.F.R. Part 314) and other applicable law. The program includes role-based, least-privilege access controls; encryption of data in transit and at rest; oversight of service providers and other third parties; monitoring and logging; and incident response, and it is overseen by a designated individual and reviewed periodically. These measures are described more fully in OneSafe's internal Information Security Policy. While no system can be guaranteed perfectly secure, we work to protect information using measures appropriate to its sensitivity. #### B. Breach Notification If OneSafe discovers a security breach affecting personal information or NPPI, we will promptly investigate, take steps to contain and remediate the incident, and provide notification without undue delay to affected customers and to our banking and custody partners, as well as to regulators and other parties where required by applicable law or contractual obligation. Where permitted and to the extent known, our notification will describe the nature of the incident, the information involved, and the steps we are taking and that you can take in response. ### 7. Your Rights and Choices Depending on where you live, you may have rights under privacy laws such as the California Consumer Privacy Act (CCPA) or the EU/UK General Data Protection Regulation (GDPR). You may have the right to: * Access the personal data we hold about you. * Request corrections to inaccurate or incomplete information. * Request deletion of certain personal data. * Object to or restrict how we use your data. * Receive a copy of your data in a portable format. * Withdraw consent (where applicable). To exercise your rights, contact us at . We may need to verify your identity before fulfilling certain requests. Please note that we may retain certain data if required by law or to ensure the security and functionality of the Services. ### 8. Cookies and Tracking We and our analytics vendors (e.g., Google Analytics) use cookies and similar technologies to maintain session state, understand user behavior, improve functionality, and measure marketing effectiveness. You can disable or manage cookies in your browser settings, and you may opt out of certain analytics tracking through tools such as the Google Analytics Opt-Out. We do not currently respond to browser-based Do Not Track signals. ### 9. SMS Notifications If you opt in to receive SMS messages from OneSafe, you may receive account alerts, reminders, or status updates. Message and data rates may apply, and you may opt out at any time by replying "STOP." We use your phone number solely for these purposes and do not share it with third parties for their own marketing use. ### 10. Children's Privacy The Services are directed to businesses and are not directed at children under 13, and we do not knowingly collect personal information from anyone under that age. If you are a parent or guardian and believe your child has provided us with information, please contact us and we will take appropriate action. ### 11. International Users and Data Transfers If you access the Services from outside the United States, your information may be transferred to and processed in jurisdictions where privacy protections may differ. Where required, we use safeguards such as Standard Contractual Clauses (SCCs), adequacy determinations, or other recognized legal mechanisms. ### 12. Contact Us If you have questions about this Privacy Policy or wish to exercise your rights, contact us at: * **Email:** * **Web:**
# OneSafe Customer Referral Agreement ## **OneSafe Referral Agreement** *Last Updated: September 26, 2025* This Referral Agreement (“Agreement”) governs your participation in the OneSafe Referral Program (“Program”). By participating, you agree to the terms below. *** ### **1. Eligibility** * You must have an active relationship with OneSafe in good standing. * Self-referrals or referrals of businesses you own or control are not eligible. * OneSafe employees are not eligible. * Individuals may earn up to **$599 per calendar year** in referral bonuses under this Program. * If you wish to earn above this limit, you must contact **OneSafe** to discuss an **Affiliate or Partnership Agreement**. *** ### **2. Referral Bonus Structure** * You will earn a **25% commission** on qualifying **Fees** paid by your referral to OneSafe during the first twelve (12) months of their account. * “Fees” means **software subscription fees, expedited KYB/onboarding fees, or other service fees** as published by OneSafe. * “Fees” do **not** include transaction fees, bank/payment processing fees, penalties, or third-party charges. * Referral commissions are capped at **$599 per year for individuals**. *** ### **3. Referral Bonus Qualification** To qualify for referral commissions: * Your referral must be a **new OneSafe customer**. * Your referral must enter your **unique OneSafe coupon code at checkout through Stripe** when purchasing. Referrals who do not use the coupon code at checkout cannot be guaranteed for commission credit. * The referral must pay qualifying fees to OneSafe. * Referrals who close their accounts early, request refunds, or are deemed fraudulent or ineligible will not count toward commissions. *** ### **4. Payment Terms** * Commissions are **calculated continuously** and are **paid at the end of each calendar quarter**. * You must **request payment** by contacting OneSafe Support. #### **4.1 Holding Period** Each commission is subject to a thirty (30) day hold following OneSafe’s receipt of the related customer payment, to allow for refunds or chargebacks. #### **4.2 Method** Payments will be made in U.S. dollars via **OneSafe transfer, ACH, wire transfer, or USDC on Ethereum**, as designated in writing by the Referrer. *** ### **5. Restrictions** * Referral coupon codes may not be used in paid advertising (Google Ads, Facebook Ads, etc.) without OneSafe’s prior written approval. * You may not engage in spam, fraudulent signups, self-referrals, or misleading promotion. * Referral coupon codes may not be shared on discount code, cashback, or affiliate coupon websites. * Any abuse or breach of this Agreement may result in withholding, clawback, or termination of referral payments. *** ### **6. Affiliates and Partnerships** * If you wish to earn commissions above the $599 individual cap, or run commercial referral campaigns, you must contact **OneSafe Support** to discuss an Affiliate or Partnership Agreement. * OneSafe reserves the right to determine eligibility for Affiliate/Partnership status at its sole discretion. *** ### **7. Modifications and Termination** * OneSafe may modify or terminate this Program or Agreement at any time without prior notice. * If terminated, commissions already earned will be paid according to these terms. *** ### **8. Taxes** * If your total referral bonuses reach $600 or more in a calendar year and you are a U.S. taxpayer, you may be required to provide tax information (e.g., Form W-9), and OneSafe may issue a Form 1099. * If payouts are made from OneSafe’s non-U.S. entities, OneSafe will not issue U.S. tax forms. You are solely responsible for reporting and paying any applicable taxes in your jurisdiction. *** ### **9. Authorization** By participating, you authorize OneSafe to share your name or business name with your referrals as needed to operate the Program. *** ### **10. Relationship to Affiliate or Partnership Agreements** If you and OneSafe enter into a separate written Affiliate or Partnership Agreement, that agreement will govern and **supersede these Referral Terms** in the event of any conflict. To the extent provisions of these Referral Terms are not inconsistent with such Affiliate or Partnership Agreement, these Referral Terms will continue to apply. # Partner Agreements By accessing and/or using OneSafe’s Services, you are also agreeing to the following Terms [Bridge Terms of Service](https://www.bridge.xyz/legal/overview) # OneSafe Card Agreements [OneSafe Card Terms of Service - Users](/legal/onesafe-card-agreements/onesafe-card-terms-of-service-users) [OneSafe Card Terms of Service - US Businesses](/legal/onesafe-card-agreements/onesafe-card-terms-of-service-us-businesses) [OneSafe Card Terms of Service - International Businesses](/legal/onesafe-card-agreements/onesafe-card-terms-of-service-international-businesses) # OneSafe Card Terms of Service - Users ### **ONESAFE CARD AUTHORIZED USER TERMS** Last updated: February 25, 2026 These OneSafe Card Authorized User Terms (“Authorized User Terms”) are between you (“you” or “your”), OneSafe (“OneSafe”, “we” or “us”), and Issuer (defined below) and governs your access to and use of the OneSafe Card and Card Services. These Authorized User Terms are incorporated by reference into the Card Terms and OneSafe Terms of Service. #### 1. Definitions a. “Card Services” means the ancillary services provided by Issuer and/or OneSafe that facilitate your use of the OneSafe Card and Card Account. b. “Card Terms” means the OneSafe Spend Card Terms entered into between Company, OneSafe, and Issuer. c. “Company” means the company that is applying for or has opened a OneSafe Account to use the OneSafe Card Services, and is providing you access to these Card Services. d. “Company Administrator” means an individual at Company with the authority to grant you access to a OneSafe Card and Card Services. e. “OneSafe Card” means the Spend Card made available to you by a Company Administrator and which is linked to an Account Holder’s OneSafe Wallet. f. “User” means you, an individual authorized to use the OneSafe Card and Card Services on Company’s behalf. Capitalized terms that are not defined here have the definitions provided in the Card Terms and/or OneSafe Agreement. #### 2. Background The OneSafe Card (“OneSafe Card”) is a business card issued to the Company under the Card Terms. The OneSafe Card is issued by Third National (“Issuer”). You understand that you have access to the Card Services only to the extent authorized, and for the sole benefit of, the Company. You understand that the OneSafe Card is not for personal use and that OneSafe does not directly provide the Card Services to you. You understand that Company is responsible for your compliance with the OneSafe Card Terms and that both you and Company are responsible for your compliance with this User Agreement. You acknowledge that the Company is a beneficiary of this User Agreement. You also consent to receive all communications from OneSafe electronically as described in the User Agreement. By using the Card Services available to you under Company’s OneSafe Account, you consent to and agree to this User Agreement. This User Agreement is part of, and incorporated by reference into, the OneSafe Card Terms and the OneSafe Terms of Service. You agree to abide by the terms of the Card Terms, these Authorized User Terms, the OneSafe Agreement, all applicable law, and Card Network rules in connection with your use of the Company’s OneSafe Card Account and Card Services. OneSafe reserves the right to amend these Authorized User Terms or impose additional obligations or restrictions on you at any time. We will use commercially reasonable efforts to notify you in advance of any changes that impose material obligations on you. Notwithstanding the foregoing, by continuing to use the Card Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when these Authorized User Terms were last updated. Prior to using the OneSafe Card and Services on behalf of the Company, you will need a Company Administrator to add you as an authorized user via the OneSafe platform and provide you access to the OneSafe Card Account. #### 3. Eligibility By using the OneSafe Card and Card Services you represent and warrant in your individual capacity that: a. You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC). b. You are an employee, contractor, or agent affiliated with and authorized to use the OneSafe Card and Card Services on Company’s behalf. c. You will use the OneSafe Card and OneSafe Services exclusively for purposes permitted by the OneSafe Card Terms, OneSafe Terms of Service and the OneSafe Privacy Policy. d. All information you provide to us, either directly or through a Company Administrator, is and will be true, correct, and complete. e. You will not use the Card for personal, family, or household use. f. You have reviewed the Card Terms, these Authorized User Terms, and the OneSafe Terms of Service and OneSafe Privacy Policy. #### 4. Access to the OneSafe Card and Card Services You may access the OneSafe Card and Card Services only to the extent and only as long as you are authorized to do so by the Company and us. We or the Company may limit or terminate your access to any of the foregoing at any time, without notice. You agree not to circumvent or attempt to circumvent the security of the OneSafe Card and Card Services for any purpose, including to gain access to any services to which you are not authorized. #### 5. Electronic Signature You acknowledge and consent to the Issuer’s [E-Sign and Electronic Communications Notice](https://legal.raincards.xyz/legal/electronic-communications-notice). #### 6. Use of your Personal Information To use the Card Services, you may be required to provide your personal data (including, for example, your name, email address, and date of birth) to the Company Administrator, the Company, or us. You acknowledge and agree that you have authorized the Company and/or the Company Administrator to share your personal data with OneSafe . You agree that you have provided the Company and/or the Company Administrator with personal data that is true, complete, and correct. We will use your personal data to – among other permitted uses under OneSafe ’s Privacy Policy – verify your identity, verify that you are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC) and other confirm that you are eligible to use a OneSafe Card. You acknowledge that you have read OneSafe’s Privacy Policy available at and understand how OneSafe may collect, use, and share your personal data. By using the OneSafe Card and Card Services, you agree that we may use your personal data in accordance with this User Agreement and the OneSafe Privacy Policy. #### 7. Use of the OneSafe Card and Card Services You acknowledge and agree that you have read and understood the OneSafe Prohibitions available at , and approved card usage (), and that you will at all times comply with the OneSafe Prohibitions at all times when using the OneSafe Card and Card Services. You acknowledge and agree that you will not use the OneSafe Card and Card Services: (1) for any expense which is not a business expense incurred by you related to or for the benefit of the Company; (2) for any purpose prohibited by the OneSafe Terms of Service or the Card Terms; (3) for, with, or for the benefit of any individual or entity who is blocked or sanctioned by the United States, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC); or (4) for personal, family, or household use. #### 8. Security and Safeguards You will use all reasonable means to protect your OneSafe Card and log-in credentials to the OneSafe Account from unauthorized use. You will not allow any other person or third party to use the OneSafe Card and Card Services. You will immediately notify OneSafe at you know or suspect that access to your OneSafe Account has been compromised or if your OneSafe Card has been lost, stolen, or compromised in any way. #### 9. Communications OneSafe has an established business relationship with the Company. You will receive notices to the email and mobile numbers provided to OneSafe by you or Company. These notices may include push notifications, and text or SMS messages providing information or alerts about Card Services, the Card, or transactions, and may allow you to provide information back to OneSafe (such as sending a receipt from a transaction). You may elect to not receive certain notices through the OneSafe Account, but doing so will limit the use of certain Card Services and may increase the financial risks to Company. You are required to maintain an updated web browser and computer and mobile device operating systems to receive notices correctly. You are responsible for all costs imposed by internet or mobile service providers for sending or receiving Notices electronically. You consent to receiving notices electronically to your mobile device and understand that this consent has the same legal effect as a physical signature. If you wish to revoke this consent, please notify your Company Administrator. #### 10. Commercial Use Only Company’s OneSafe Card Account is commercial in nature, and you acknowledge and understand that certain consumer protection laws (including the Electronic Funds Transfer Act or Regulation E) and consumer-specific rules (including NACHA rules specific to consumers) do not apply to transactions on Company’s OneSafe Card Account or your use of the Card Services. #### 11. Suspension and Termination OneSafe may suspend or terminate your access to Company’s OneSafe Account or the Card Services at any time and for any reason, in our sole and absolute discretion, without prior notice, including if directed by Company, Company Administrator or Issuer. In the event that the OneSafe Card Terms and/or Terms of Service with Company is terminated, these Authorized User Terms will immediately terminate (other than sections giving rise to continued obligations of the parties that survive termination). #### 12. Limitation of Liability NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE ONESAFE AGREEMENT, THE CARD TERMS, OR THESE AUTHORIZED USER TERMS AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, ISSUER, ONESAFE AND ALL OF ITS AFFILIATES’ LIABILITY, TAKEN TOGETHER IN THE AGGREGATE, ARISING OUT OF OR RELATED TO THESE AUTHORIZED USER TERMS, WHETHER IN CONTRACT, TORT OR UNDER ANY OTHER THEORY OF LIABILITY, SHALL REMAIN SUBJECT TO THE LIMITATION OF LIABILITY SECTION OF THE ONESAFE TERMS OF SERVICE AND ANY REFERENCE IN SUCH SECTION TO THE LIABILITY OF A PARTY MEANS THE AGGREGATE LIABILITY OF THAT PARTY AND ALL OF ITS AFFILIATES UNDER THE AGREEMENT. #### 13. Dispute Resolution You acknowledge and agree to the Dispute Resolution Provisions (Sections 18 and 19) of the Card Terms. These provisions may require you to arbitrate any disputes with Issuer and/or OneSafe arising out of or relating to these Authorized User Terms in an individual arbitration and not a class arbitration. It also includes a waiver of any right to trial by jury or judicial proceedings, including class actions and class proceedings, in connection with claims arising out of these Authorized User Terms. PLEASE REVIEW THE DISPUTE RESOLUTION PROVISIONS OF THE CARD TERMS CAREFULLY. #### 14. Governing Law These Authorized User Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conflict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section above must be brought in state or federal court in Puerto Rico, unless we both agree to some other location, and you hereby consent to the venue and personal jurisdiction of such court. # OneSafe Card Terms of Service - US Businesses

ONESAFE SPEND CARD TERMS

These OneSafe Spend Card Terms (the “Card Terms”) are a binding agreement between you (“you” or “your”) and the Issuer (“we”, “us”, or “our”) that governs your use of the OneSafe Spend Cards, including the process for obtaining and managing OneSafe Spend Cards, access to which is provided to you by Thresholdz Inc. (“OneSafe”). **Important Disclosures** PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN SECTION 16. BY USING THE CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH IN THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING. Rates, fees, and other important information about your OneSafe Spend Card (“Card” or “OneSafe Card”) are set forth in these Important Disclosures. Effective as of February 25, 2026 Interest Rates and Interest Charges - 0% Annual Percentage Rate (APR) for Purchases - 0% Your OneSafe Card is currently Zero 0 % interest on all purchases. Issuer and OneSafe reserve the right to implement interest in the future, for new purchases. OneSafe will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your OneSafe Card. **Fees** Transaction Fee Foreign Purchases \- Foreign Exchange Fee (non-USD): 3% \- Cross Border Fee: up to 3% ATM Withdrawals: 2% Penalty Fees \- Late payment: $40 \- Returned payment: $29 WHEN YOU APPLY FOR A CARD ACCOUNT, ACTIVATE A CARD, OR OTHERWISE PARTICIPATE IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE ISSUING TERMS. **Terms** Background: The OneSafe Card is provided to you on behalf of OneSafe in connection with your status as a OneSafe customer. Your relationship with OneSafe in connection with platform access and related services (“Services”) is governed solely by the OneSafe platform Terms of Service (“User Terms” or OneSafe User Terms”) which constitute a separate agreement between you and OneSafe. The Issuer is not a party to the OneSafe User Terms and disclaims any liability for the performance of services covered therein. In the event of a conflict between these Card Terms and your User Terms, these Card Terms will control. OneSafe is providing access to a OneSafe Spend Account (“Account” or “OneSafe Account”) for purposes of facilitating transactions you make using one or more Cards for transactions up to the applicable credit limit. You understand that you have access to the Services and OneSafe Card only to the extent authorized by the OneSafe. You acknowledge and agree that OneSafe will satisfy obligations created through your use of the OneSafe Card and you will repay Partner based on the terms of your User Terms, \subject to these Card Terms. You understand that the OneSafe Card is not intended for personal, consumer, or household use and you agree you will only use the OneSafe Card for commercial or business purposes. Details on OneSafe’s collection, use, and handling of your personal data are described in . Please review it carefully and contact OneSafe if you have any questions. By opening, using, or maintaining a Card, you consent to and direct Issuer to share information relating to transactions, including receipt information or other personal data, in order to deliver the Services. Issuer: The card program is issued by the Issuer under license from Visa. The information about the cost of the Card described in the above table is accurate as of February 25, 2026. This information may change after that date. To find out what may have changed, call or write the servicer, at . Issuer reserves the right to amend these Card Terms or impose additional obligations or restrictions on you at any time with or without notice to you. By continuing to use the Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when the Card Terms were last updated. Capitalized terms that are not defined here have the definitions provided in the User Terms. OneSafe provides technology services in connection with the OneSafe Card, and is not a bank, credit union, or money services business and does not itself extend credit, set interest rates, determine repayment terms or hold Collateral. Nothing in these Card Terms shall be construed as creating a lender-borrower relationship between you and OneSafe. You acknowledge and agree that OneSafe: (i) is an express third-party beneficiary of these Card Terms, with the limited right to enforce obligations that directly relate to its role; (ii) is not responsible for any decisions by the Issuer to approve, decline, suspend or close your Card account. OneSafe may, at the request of the Issuer, the payment network or a regulatory authority, suspend or restrict your access to the OneSafe platform or certain features, to protect against fraud, comply with applicable laws or manage program risk; (iii) does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral; and (iv) is not responsible for merchant acceptance of your OneSafe Card or for resolving disputes about goods or services purchased with the OneSafe Card. **Defined Terms:** “Authorized User(s)” means one or more individuals authorized to use the OneSafe Card and Account on your behalf. “Card Networks” means the payment card networks including Visa or Mastercard. “Charge” means a payment for goods or services made to a merchant that accepts payments on the applicable Card Network. “Chargeback” means a dispute that you initiate against a merchant for an unresolved dispute with the merchant or where a Charge is unauthorized. “Linked Wallet” means the primary wallet that is connected as a settlement source for your OneSafe Card and which may or may not enable you to access your OneSafe Account and OneSafe Card. “Fee” means charges we impose on you for use of Services or your use of a OneSafe Card. “Issuer” refers to Third National, including its affiliates, successors, and assigns. “Periodic Statement” means the periodic statements that reflect activity for all Cards issued to you identifying charges, fees, refunds, or other amounts owed or credited to your OneSafe Account during the time covered by that statement. “Supported Blockchains” means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks. We may update this list of Supported Blockchains at any time and at our sole discretion. **Agreement:** 1\. Accepting this Agreement & Eligibility These Card Terms become effective and legally binding when you activate or create your Card by following the instructions on the OneSafe platform. You and we agree to comply with, and be bound by, this entire agreement. You should retain and carefully review these Card Terms. By creating a Card, you agree to the Arbitration Clause below as it pertains to this agreement, even if you do not use the Account or the Card. By using a Card you represent and warrant in your individual capacity that: · You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC). · You will use the Services exclusively for purposes permitted by these Card Terms. · All information you provide to us, either directly or through Partner, is and will be true, correct, and complete. · You will not use the OneSafe Card for personal, family, or household use. · You will only use the OneSafe Card in compliance with applicable law. · You attest that you were not solicited for this product. 2\. Issuer Terms The Issuer is identified on the back of the OneSafe Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you. Issuer is the creditor responsible for funding your payments for goods and services your purchase at a merchant through your OneSafe Card and based on information provided by OneSafe. Please note that the Issuer may require you to accept additional terms in addition to the agreements you have with OneSafe, and your use of the OneSafe Cards will then also be subject to such additional terms. 3\. Collateral This Account is secured by collateral. Either your primary Linked Wallet or any Additional Wallets may provide the collateral that will secure the Charges made by you on any OneSafe Card (the “Collateral”). The Collateral must be held in a wallet on a Supported Blockchain. By entering into these Card Terms, you are furnishing and granting us a security interest in the Collateral, as well as any additions to, substitutions or renewals of the Collateral. No portion of the Collateral may be used by you to secure other loans. A “Liquidation Event” will occur a) if you have an outstanding payment obligation to OneSafe or the Issuer, as applicable, and such payment obligation has not been paid in full by you within one (1) calendar day; OR b) the Market Value of your collateral drops below the value of the existing charges on your OneSafe Card(s) and you do not add additional collateral. OneSafe and Issuer may allow for an additional grace period at their discretion. “Market Value” of the Collateral will be determined by OneSafe and/or Issuer using the net redemption value provided by a centralized stablecoin issuer and/or the real time price posted on a reputable and recognized exchange or price aggregator, or by reference to a price oracle, subject to OneSafe or Issuers discretion. You agree to pay all transaction costs or “gas” fees relating to the any Liquidation transaction and that all such costs or fees will be paid from your Collateral and will not be credited to your Account. You agree that the market value of your collateral is determined solely by Issuer through the above methods. You further agree that the Market Value is determined at the time of a Liquidation Event and any change in or fluctuation in value of the Collateral before or after a Liquidation Event will have no bearing on obligations owed to OneSafe and/or Issuer. You, through one or more of your Linked Wallet or Additional Wallets, must ensure that the Collateral has Market Value in United States Dollars (“USD”) that is greater than or equal to the value of all unpaid charges to all of your OneSafe Cards. For example, if you provide Collateral with a Market Value equal to $100 of value in USD, and that Market Value does not change, your spending limit will be equal to $100 USD across all your OneSafe Cards. Once $100 USD has been charged to your OneSafe Cards, you will be required to either make a payment or to provide additional Collateral in order to be able to make any additional Charges. If, at any time, the Market Value of the Collateral is less than the value of all unpaid charges, we may require you to add to the Collateral or you may be subject to a Liquidation Event, at our sole discretion. If the Market Value of your Collateral is subject to a Liquidation Event when the Market Value is below your existing charges, you still owe OneSafe and Issuer any difference between the USD value of the charges, and the USD value of the Collateral at the time of the Liquidation Event. Your withdrawal of any Collateral will not terminate any outstanding payment obligations you may have on your OneSafe Cards. OneSafe and Issuer will not, in any circumstance, be holding custody of your Collateral. Issuer is not a custodian or owner of your Collateral. If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral. Any unencumbered Collateral balances shall remain freely accessible. You authorize and consent to OneSafe or Issuer liquidating the Collateral upon a Liquidation Event through a third party or by other means in order to satisfy payment obligations owed by you to OneSafe, the Issuer or other third party, as applicable. You must ensure that sufficient Collateral is maintained to support the Charges incurred by you and all Authorized Users. All Authorized User activity will be attributed to you, and liquidation may occur as a result of an Authorized User’s transactions. You acknowledge and agree that the Supported Blockchains, including any Supported Blockchains that consist of or include tokenized assets, are issued and managed by third parties, and are subject to their own terms, conditions, and risks. We and OneSafe make no representations or warranties regarding any Supported Blockchain, or any underlying collateral related to such Supported Blockchain, including but not limited to their value, liquidity, stability, yield, rewards, or any other attributes. We and OneSafe expressly disclaim all responsibility and liability for any losses, fluctuations, or other outcomes arising from the ownership, use, performance, or characteristics of any Supported Blockchain and/or Collateral. You are responsible for evaluating and accepting the risks associated with any Supported Blockchain you use to provide u Collateral. You waive any right to require us to: (a) proceed against any Cardholder or any other person; (b) proceed against or exhaust any security held under these Card Terms; or (c) pursue any other remedy available to us under applicable law. Issuer or OneSafe may, without prior notice, and from time to time: (a) renew, compromise, extend, accelerate or otherwise change the terms relating to the Account; (b) take and hold security (other than the Collateral) for payment of the Account and enforce, exchange and release the security in any manner that we determine is proper; (c) release or substitute any Cardholder, guarantor, or endorser of the Account; and (d) increase or lower the Credit Limit on your Account, and no such action shall change the fact that the Collateral shall at all times serve as security for the Account. 4\. Spending Limits Your spending limit is generally set by OneSafe pursuant to the terms of the OneSafe Terms as well as the amount of the Collateral. Issuer or OneSafe may additionally set spending limits on each OneSafe Card or an aggregate spending limit across all OneSafe Cards, at their sole discretion. OneSafe Account Spending limits are dynamic and may be modified at any time with or without notice to you, including temporary increases or decreases or reducing spending limits to $0. Any authorized Charge or fee on a OneSafe Card may reduce your spending limit by a corresponding amount. When you use OneSafe Card to initiate a transaction at certain merchants where the amount of the final transaction is unknown at the time of authorization, Issuer may assess a value to such a Charge for an amount higher or lower than the final Charges. The initial “hold” Charge will reduce your spending limit until the final Charge is determined. 5\. Purchases & Restrictions The primary purpose of your Account is to facilitate corporate expenses and other corporate purchases. OneSafe and Issuer reserve the right to block and terminate transactions and suspend access to your Account, unless prohibited by applicable law, for transactions and activity which presents patterns that do not conform with business purposes. You may use your Account to purchase or lease goods or services (each, a “purchase”) by presenting your Card or providing to participating merchants and establishments that honor the Card your Card number and additional information by any other means (for example, over the phone, online or through a mobile app). We will not be liable to you (or anyone else) if any merchant or other person cannot or will not process a purchase permitted under these Card Terms. Unless prohibited by applicable law, we may from time to time limit the type, number and dollar amount of any purchase, including any cash-like transaction, even if you have sufficient available credit to complete the purchase. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted: • purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions; • purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions; • person-to-person money transfers and account-funding transactions that transfer currency; and • making a payment using a third-party service including bill payment transactions not made directly with the merchant or their service provider. We reserve the right to deny any purchase for any reason, such as account default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the purchase. We may terminate or suspend your use of the Card or the Account, with or without notice to you before or at the time we take such action. Cash advances and balance transfers are not available under these Card Terms. You acknowledge and agree that you have read and understood the and that you will not engage in any such activities when using the Services or the OneSafe Card. You acknowledge and agree that you will not use the OneSafe Card (1) for any expense which is not a business expenses incurred by you; (2) for any purpose prohibited by these Card Terms; (3) for, with, or for the benefit of any individual or entity who is blocked or sanctioned by the United States, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC); or (d) for personal, family, or household use. You will use all reasonable means to protect your OneSafe Cards and log-in credentials to the OneSafe Account from unauthorized use. You will not allow any other person or third party to use the Services or the OneSafe Card on your behalf, except that Authorized Users, if any, may use your Account. You will immediately notify us where you know or suspect that access to your OneSafe Account has been compromised or your OneSafe Card has been lost, stolen, or compromised in any way. You are responsible for ensuring that only Authorized Users are issued the OneSafe Card and that each Authorized User has been provided with a copy of, and fully complies with, these Card Terms, OneSafe’s User Terms, the Prohibited Use Policy and all applicable laws. 6\. Payments 6.1 Promise to Pay While you will generally repay OneSafe for amounts transacted with your Card, you also promise to pay Issuer or its assignees for all amounts charged to the Account not repaid to Issuer by Partner, including all purchases, interest, and charges charged to your Account. Except as otherwise described in this Agreement, You are obligated to repay all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them. You agree to bear the liability for all charges, fees, penalties, Collateral requirements, and repayment obligations incurred by your Authorized Users. 6.2 Periodic Statements You are responsible for payment in full of all Charges and Fees. Your OneSafe OneSafe Account may furnish to you Periodic Statements identifying Charges, Fees, refunds, the amount of your Collateral, any other Card transactions, or other amounts owed or credited to your OneSafe Account. Periodic Statements may be made accessible to you on your OneSafe Account daily, monthly, or otherwise. You must notify us promptly if you believe that there are any errors on your Periodic Statement, and submit any disputes or Chargebacks in accordance with these Card Terms. Your failure to get a Periodic Statement will have no bearing on your obligations and OneSafe and Issuer may still liquidate your collateral per Section 3 of this agreement. 6.3 Repayments Where applicable, you may make a repayment for a balance on one or more of your OneSafe Cards by any means that are permitted by OneSafe and as provided in your OneSafe Account. Any failure to pay the full amount owed when required is a breach of these Card Terms. You are responsible for all costs or expenses that we may incur in collecting amounts owed but not timely paid, including legal or collections fees and any interest at the maximum rate permitted under law. Balances in your linked wallet and the Collateral may each be used as a source of funds for repayment for any spending on your Card, and you expressly authorize the use of your linked wallet and the Collateral for repayment any time you use your card for purchases, as described in the liquidation provisions discussed in Section 3 of this agreement and elsewhere in these Card Terms. 6.4 Prepayment At any time and where applicable, you may pay all or any part of your outstanding Account balance, without penalty. Payment of more than the payment due in one billing cycle will not relieve you of the obligation to pay the entire payment due in subsequent billing cycles. 6.5 Right of Setoff. If you default under these Card Terms, you agree and understand that, without prior notice or demand, OneSafe and Issuer have the absolute right to setoff all amounts due against the Collateral, any Linked Accounts, and any other of your funds that OneSafe or Issuer, and their respective affiliates and third-party service providers, may access. 7\. Fees. Subject to applicable law you agree to pay the following fees: A. The Fees applicable to your Account are described above. You are responsible for Fees in addition to Charges. B. Returned Payment fees become payable by you each time a payment on your Account is returned or reversed for any reason or we must return any check, instrument, or transaction you send us because it is incomplete or faulty, we will charge you a returned payment fee of $29.00. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us. C. Foreign Currency Transactions. If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing date that is (1) selected by the association from the range of rates available in wholesale currency markets, which rate may vary from the rate the association receives, or (2) the government mandated rate. The conversion rate you get may differ from the rate on the transaction date or the posting date, and from the rate that the credit card association gets. A merchant or other third party may convert a transaction into U.S. dollars or another currency, using a rate they select, before sending it to the credit card association. 8\. Managing Your OneSafe Cards 8.1 Requesting and Replacing Cards We or OneSafe may decide not to grant requests for OneSafe Cards or limit the number of physical or virtual OneSafe Cards provided to you. You are responsible for securing OneSafe Cards, account numbers, and OneSafe Card security features. You will promptly notify us and take appropriate measures to prevent unauthorized transactions when a OneSafe Card is lost, stolen, breached, or needs to be replaced. In such cases, you may request the issuance of replacement OneSafe Cards through your OneSafe Account. Replacement Cards may have new account numbers that could require you to update the OneSafe Card on file for any scheduled or recurring payments. You are solely responsible for updating OneSafe Card information stored with merchants where account numbers have been changed. 8.2 Permitted and Unauthorized Use You may only use OneSafe Cards for bona fide business-related Charges and transactions, and not for personal, family, or household purposes. You understand that your OneSafe Account is commercial in nature and that certain consumer protection laws, such as the Credit Card Consumer Accountability, Responsibility, and Disclosure Act of 2009, do not apply to your OneSafe Account or the OneSafe Cards. You agree that all Charges and other transactions in your account will be treated as business transactions made solely for business purposes. You agree to establish and maintain controls designed to ensure that the OneSafe Cards are only used by you and your permitted authorized users for bona fide business purposes and in compliance with these Card Terms, any Issuer terms, and applicable law. You are responsible for Charges and transactions made by any person given access to OneSafe Cards even if they are not the person associated with or named on the OneSafe Card. OneSafe, Issuers, Card Networks, or other intermediary third-party service providers (including merchant acquirers) may deny or reverse Charges for any reason. Issuer is not responsible for any losses, damages, or harm caused by any Charges that are denied or reversed. 8.3 Lost or Stolen Cards. If your Card is lost or stolen or if you think someone may be using your Card or Account without your permission, you must notify us promptly by emailing us at . You will not be liable for any unauthorized use that occurs after you notify us. If Unauthorized Use of the Account occurs, you agree to cooperate with OneSafe, Issuer, and any applicable law enforcement authorities in identifying the unauthorized user. All claims of alleged loss, theft, or Unauthorized Use of a Card or the Account are subject to investigation. You agree to be fully liable for all Purchases, Fees, and any other amounts due on your Account in connection with any claimed Unauthorized Use, except for such amounts incurred after you provide actual notice to Issuer or OneSafe of such Unauthorized Use. “Unauthorized Use” means any use of a Card or the Account (in any way) by a person who does not have actual, implied, or apparent authority for such use, and from which you received no benefit, directly or indirectly. 9\. Chargebacks You are responsible for reviewing your Periodic Statements promptly and identifying any Charges that you believe are unauthorized or that you dispute. If you and a merchant have a dispute regarding a Charge identified on your Periodic Statement, such as delivery of incorrect goods or services or being charged the wrong amount, you should first attempt to resolve the dispute with the merchant. If the dispute is not resolved to your satisfaction or if you believe the Charge is unauthorized, you may initiate a Chargeback through your OneSafe Account. You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted on your Periodic Statement. We may require additional details on the transaction and our review of your disputed Charge will be conditioned on you providing all of the information we may require to review the disputed Charge. You understand that the OneSafe Card is subject to Card Network rules regarding chargebacks. The Card Networks have additional established procedures for resolving chargebacks that may require you to provide further details of the disputed Charge or associated documentation. Charges relating to disputed Charges and Chargebacks that are pending resolution may still be due and owing as of the date that payment is due as provided in the applicable Periodic Statement. Chargebacks resolved in your favor will be credited to your OneSafe Account on either the current or a future Periodic Statement. We may impose Fees, reduce your spending limits, or suspend access to your OneSafe Account or the Services if you fail to pay Charges relating to Chargebacks that are pending resolution on the payment date. 10\. Termination Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use the Card or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice. Any termination of credit privileges, whether initiated by us or by you, will not affect any of our rights or your obligations under these Card Terms, including your obligation to repay any amounts you owe us according to the terms of these Card Terms. On our demand or upon termination of credit privileges, you agree to surrender to us or destroy the Card. If you attempt to use the Card after the termination of credit privileges (whether or not we have provided notice of such termination), the Card may be retained by a merchant, ATM or financial institution where you attempt to use the Card. 11\. Change of Terms Subject to applicable law, we may at any time change, add to or delete terms and conditions of these Card Terms, including interest rates and this Change of Terms provision. Such changes may be based on our anti-fraud policies and procedures, your level of compliance with these Card Terms, prevailing economic conditions and/or any other factors. We will give you notice of any change, addition or deletion as required by applicable law. As of the effective date, the changed terms, at our option, will apply to new purchases and the outstanding balances of your Account, to the extent permitted by applicable law. 12\. Default and Remedies We may consider you in default of these Card Terms if: • You do not make any payment when it is due; • Any payment you make is rejected, not paid or cannot be processed; • You exceed a credit limit; • A bankruptcy or other insolvency proceeding is filed by or against you; • We determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us; • We reasonably believe that you are or may become unable to pay all of your financial obligations; or • You do not comply with any term of these Card Terms or any other agreement with us. In the event of your default under these Card Terms, we may, subject to applicable law (including any applicable notice requirement): (a) declare all or any portion of your outstanding Account balance to be immediately due and payable; (b) instead allow you to repay your Account balance by paying the minimum payment due each billing cycle, without waiving any rights under subsection (a); and/or (c) commence a collection action against you and charge you for any court costs and/or any reasonable attorneys’ fees and costs we are charged in connection with such action by any attorney who is not our salaried employee. After a default, interest charges will continue to accrue until your total Account balance, including accrued interest charges, is paid in full, subject to applicable law. 13\. Delay in Enforcement We may at any time and in our sole discretion delay or waive enforcing any of our rights or remedies under these Card Terms or under applicable law without losing any of those or any other rights or remedies. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a later date. For example, we may accept late payments without losing any of our rights under these Card Terms. 14\. Communications and Call Recording. You authorize OneSafe, Issuer and their partners (each of Issuer’s affiliates, agents, assigns, and service providers (collectively, the “Messaging Parties”) to use automatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems, or any system capable of storing and dialing telephone numbers to deliver messages relating to these Card Terms, your Account, or your relationship with the Messaging Parties more generally (including but not limited to: messages about upcoming payment due dates, missed payments and returned payments) to any telephone number(s) you provide to the Messaging Parties. You also agree that these messages may deliver prerecorded and/or artificial voice messages. You understand that telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else, and that these messages may also be recorded by your answering machine. You also authorize the Messaging Parties to deliver messages to you via mail or email at any addresses you supply to them or that they obtain through any legal means. By accepting these Card Terms or using your Card, you acknowledge that you have received, reviewed, and agree to be bound by the Issuer’s [E-Sign & Electronic Communications Notice](https://legal.raincards.xyz/legal/electronic-communications-notice) (the “E-Sign Notice”), which is incorporated herein by reference. You consent to receive all disclosures, notices, agreements, and other communications from Issuer and the Messaging Parties in electronic form, in accordance with the E-Sign Notice. You agree that such electronic communications satisfy any legal requirement that such communications be in writing. The E-Sign Notice may be amended by Issuer from time to time, and your continued use of the Card after any such amendment constitutes your acceptance of the amended E-Sign Notice. You understand that anyone with access to your mail, telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services, and you agree that the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. If any telephone number you have provided to the Messaging Parties changes, or if you cease to be the owner, subscriber, or primary user of any such telephone number, you agree to immediately give notice to the Messaging Party who delivered the messages of such facts so that the Messaging Party can update its records. This authorization is part of our bargain concerning these Card Terms, and we do not intend it to be revocable. However, to the extent you have the right to revoke your consent to communications by autodialed calls and text messages to your mobile number under applicable law, you may exercise this right by contacting the applicable Messaging Party directly or by sending a request by email to with the subject line “END COMMUNICATIONS.” You may opt-out of receiving most of these messages at any time by sending us a request to or by responding “STOP” to any text message. To stop emails only, you can follow the opt-out instructions included at the bottom of the Messaging Parties’ emails. 15\. Governing Law These Card Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conflict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section below must be brought in state or federal court in Puerto Rico, unless we both agree in writing to some other location, and you hereby consent to the venue and personal jurisdiction of such court. 16\. Dispute Resolution & Arbitration PLEASE READ THIS "DISPUTE RESOLUTION AND ARBITRATION" PROVISION VERY CAREFULLY. IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND ISSUER. OneSafe IS THE TECHNOLOGY PROVIDER FOR THE CARD BUT IS NOT THE ISSUER, CREDITOR OR LENDER. OneSafe IS NOT A PARTY TO THESE CARD TERMS AND HAS NO LIABILITY FOR THE ISSUER’S OBLIGATIONS UNDER IT. HOWEVER, OneSafe IS AN EXPRESS THIRD-PARTY BENEFICIARY OF THESE CARD TERMS WITH RESPECT TO ANY PROVISIONS THAT ALLOCATE RISK, DISCLAIM LIABILITY, LIMIT REMEDIES OR REQUIRE DISPUTES TO BE RESOLVED THROUGH ARBITRATION. ACCORDINGLY, TO THE EXTENT A DISPUTE INVOLVES OneSafe, OneSafe SHALL BE ENTITLED TO INVOKE AND BENEFIT FROM THE SAME PROTECTIONS, LIMITATIONS AND DISPUTE RESOLUTION PROCEDURES AS THE ISSUER. TO THE EXTENT YOU HAVE ANY DISPUTE YOU MAY HAVE WITH OneSafe RELATING SOLELY TO SERVICES PROVIDED TO YOU UNDER YOUR SEPARATE USER TERMS WITH OneSafe, SUCH DISPUTES WILL BE GOVERNED EXCLUSIVELY IN ACCORDANCE WITH THE OneSafe USER TERMS. Binding Arbitration: (a) You and Issuer agree that any and all past, present and future Disputes (defined below) shall be determined by arbitration, unless your Dispute is subject to an exception to this agreement to arbitrate set forth below. You and Issuer further agree that any arbitration pursuant to this section shall not proceed as a class, group or representative action. The award of the arbitrator may be entered in any court having jurisdiction. “Dispute” means any dispute, claim, or controversy between you and Issuer that arises out of or relates to (i) these Card Terms (including any addenda hereto or other terms incorporated herein by reference), (ii) the breach, termination, enforcement, interpretation or validity hereof, including the determination of the scope or applicability of the agreement to arbitrate hereunder, or (iii) any Services (including, without limitation, the OneSafe Card). (b) This agreement to arbitrate shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in these Card Terms. Arbitration Procedure: (a) Before filing a claim against Issuer, you agree to try to resolve the Dispute informally by providing written notice to Issuer of the actual or potential Dispute. Similarly, Issuer will provide written notice to you of any actual or potential Dispute to endeavor to resolve any claim we may possess informally before taking any formal action. The party that provides the notice of the actual or potential Dispute (the "Notifying Party") will include in that notice (a "Notice of Dispute") your name, the Notifying Party's contact information for any communications relating to such Dispute, and sufficient details regarding such Dispute to enable the other party (the "Notified Party") to understand the basis of and evaluate the concerns raised. If the Notified Party responds within ten (10) business days after receiving the Notice of Dispute that it is ready and willing to engage in good faith discussions in an effort to resolve the Dispute informally, then each party shall promptly participate in such discussions in good faith. (b) If, notwithstanding the Notifying Party's compliance with all of its obligations under the preceding paragraph, a Dispute is not resolved within thirty (30) days after the Notice of Dispute is sent (or if the Notified Party fails to respond to the Notice of Dispute within ten (10) business days), the Notifying Party may initiate an arbitration proceeding as described below. If either party purports to initiate arbitration without first providing a Notice of Dispute and otherwise complying with all of its obligations under the preceding paragraph, then, notwithstanding any other provision of these Card Terms, the arbitrator(s) will promptly dismiss the claim with prejudice and will award the other party all of its costs and expenses (including, without limitation, reasonable attorneys' fees) incurred in connection with such Dispute. (c) You and Issuer each agree to resolve any Disputes that are not resolved informally as described above through final and binding arbitration as discussed herein, except as set forth under Section 12.3 below. You and Issuer agree that the American Arbitration Association ("AAA") will administer the arbitration under its Commercial Arbitration Rules (the "Rules"). The Rules are available at [www.adr.org](http://www.adr.org) or by calling the AAA at 1-800-778-7879. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a general Demand for Arbitration.) Arbitration will proceed on an individual basis and will be handled by a sole arbitrator. The single arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA's roster of arbitrators. If the parties are unable to agree upon an arbitrator within fourteen (14) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. The arbitrator(s) shall be authorized to award any remedies, including injunctive relief, that would be available to you in an individual lawsuit, subject to any effective and enforceable limitations of liability or exclusions of remedies set forth herein. Notwithstanding any language to the contrary in this paragraph, if a party seeks injunctive relief that would significantly impact other Issuer users as reasonably determined by either party, the parties agree that such arbitration will proceed on an individual basis but will be handled by a panel of three (3) arbitrators. Each party shall select one arbitrator, and the two party-selected arbitrators shall select the third, who shall serve as chair of the arbitral panel. That chairperson shall be a retired judge or an attorney licensed to practice law and with experience arbitrating or mediating disputes. In the event of disagreement as to whether the threshold for a three-arbitrator panel has been met, the sole arbitrator appointed in accordance with this Section shall make that determination. If the arbitrator determines a three-person panel is appropriate, the arbitrator may -- if selected by either party or as the chair by the two party-selected arbitrators -- participate in the arbitral panel. Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award shall be confidential. (d) You and Issuer further agree that the arbitration will be held in the English language in New York, New York, or, if you so elect, all proceedings can be conducted via videoconference, telephonically or via other remote electronic means. (e) Filing costs and administrative fees shall be paid in accordance with the AAA Rules; provided that the prevailing party will be entitled to recover its reasonable attorneys' fees, expert witness fees, and out-of-pocket costs incurred in connection with the arbitration proceeding, in addition to any other relief it may be awarded. (f) You and Issuer agree that, notwithstanding anything to the contrary in the Rules, the arbitration of any Dispute shall proceed on an individual basis, and neither you nor Issuer may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a "Collective Arbitration"). Without limiting the generality of the foregoing, a claim to resolve any Dispute against Issuer will be deemed a Collective Arbitration if (i) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (ii) counsel for the claimants are the same, share fees or coordinate across the arbitrations. "Concurrently" for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR ISSUER SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE DISPUTES BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY DISPUTE, ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. Without limiting the foregoing, any challenge to the validity of this paragraph shall be determined exclusively by the arbitrator. Small Claims: Notwithstanding your and Issuer’s agreement to arbitrate Disputes, You and Issuer retain the right to bring an individual action in small claims court. Class Waiver: To the extent applicable law permits, any dispute arising out of or relating to these Card Terms, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. Notwithstanding any other provision of these Card Terms or the AAA Rules, disputes regarding the interpretation, applicability, or enforceability of this class waiver may be resolved only by a court and not by an arbitrator. If this waiver of class or consolidated actions is deemed invalid or unenforceable, neither party is entitled to arbitration. No Jury Trial: If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to these Card Terms. Venue and Jurisdiction for Judicial Proceedings: Except as otherwise required by applicable law or provided in these Card Terms, in the event that the agreement to arbitrate is found not to apply to you or your Dispute, you and Issuer agree that any judicial proceeding may only be brought in a court of competent jurisdiction in Puerto Rico. Both you and Issuer irrevocably consent to venue and personal jurisdiction in Puerto Rico; provided that either party may bring any action to confirm an arbitral award in any court having jurisdiction. Confidentiality: The existence of all information regarding any Dispute will be held in strict confidence by the parties and will not be disclosed by either party except as reasonably necessary in connection with the conduct of the arbitration or the confirmation or enforcement of any arbitral award. Any such permitted disclosure will, to the maximum extent reasonably practicable, be made subject to obligations of confidentiality at least as stringent as the provisions of this paragraph. If any disclosure of information regarding any Dispute is required under applicable law, the parties shall reasonably cooperate with one another to obtain protective orders or otherwise to preserve the confidentiality of such information. 17\. Survival The following provisions of these Card Terms shall survive any termination or expiration of these Card Terms and shall remain in full force and effect until all of your obligations to us have been fully and finally satisfied: (a) all of your payment obligations and our right to collect all amounts owed by you; (b) all security interest, collateral, and setoff provisions, including our rights in any Collateral; (c) any indemnification obligations; (d) the limitation of liability provisions; (e) the disclaimer of warranties provisions; (f) the dispute resolution and arbitration provisions, including the class waiver; (g) our communications and contact rights; (h) our assignment rights; (k) any waiver provisions; (l) all representations and warranties made by you; (m) any accrued rights, remedies, or causes of action in favor of either party; and (n) any other provision that by its nature or express terms is intended to survive. 18\. Severability If any provision of these Card Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent, or if such modification is not possible, such provision shall be severed from these Card Terms. The remaining provisions shall remain in full force and effect. Notwithstanding the foregoing paragraph, in the event that a court finds the prohibition of Collective Arbitration in Section 16 to be invalid or unenforceable, then all provisions in Section 16 shall be deemed void, except for any portion of any provision in Section 16 related to the resolution of Disputes through litigation in court. 19\. Assignment These Card Terms will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We may transfer your Account, these Card Terms, or any of our rights or obligations therein, to another company or person at any time, without your permission and without prior notice to you. If we do, they will take our place under these Card Terms. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. 20\. Entire Agreement These Card Terms constitute the entire agreement between you and Issuer regarding the subject matter hereof and supersede all prior or contemporaneous agreements, understandings, representations, and communications whether written or oral, regarding such subject matter. 21\. Force Majeure We shall not be liable for any delay or failure to perform any obligation under these Card Terms to the extent that such delay or failure is caused by circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government actions, epidemics or pandemics, internet or telecommunications failures, or failures of third-party service providers. 22\. Disclaimer of Warranties TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. 23\. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ISSUER, ITS AFFILIATES, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, OR LICENSORS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER SIMILAR DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR LOSS OF BUSINESS OPPORTUNITY, WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE. IN NO EVENT SHALL ISSUER’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR ACCOUNT EXCEED THE LESSER OF (A) YOUR ACTUAL DIRECT DAMAGES PROVEN OR (B) THE TOTAL AMOUNTS PAID BY YOU IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. 24\. Indemnity You will indemnify and defend Issuer, its affiliates, and its partners, directors, officers, employees, agents, trustees, administrators, managers, advisors, and representatives (each an “Indemnitee”) against, and hold each Indemnitee harmless from, any and all claims, litigation, investigations, proceedings, losses, damages, fines, penalties, liabilities, settlements, costs, fees, and expenses incurred by any Indemnitee or asserted against any Indemnitee by any person arising out of, in connection with, related to, or as a result of your (i) breach of any of the representations, warranties, or covenants contained in these Card Terms; or (ii) gross negligence, fraud, or violation of any applicable law or rights of any third-party. Issuer may defend any claim subject to indemnification hereunder, using counsel of its choice, and you will pay or promptly reimburse Issuer for the reasonable fees of such counsel and all related costs and reasonable expenses. If you are a user from a jurisdiction that does not allow certain indemnification obligations, you agree that this indemnity is intended to be as broad as permitted under the laws of such jurisdiction. 25\. Notification of Corporate Changes You must notify OneSafe immediately upon any change to: • Your company’s ownership or beneficial owners, including, but not limited to, any sale, merger or consolidation into another company. • Any change to the company’s address, phone number, email, or other contact information. • If you become insolvent or if bankruptcy or other insolvency proceedings are commenced by or against you; or • If a receiver or trustee for the benefit of creditors is appointed for the company. 26\. Obligation to Provide Financial and Other Company Information From time to time and upon the reasonable request of OneSafe or Issuer, you agree to provide to the requesting party financial and other corporate information in form and detail satisfactory to the requesting party. 27\. Additional Services We may, from time to time, make additional services available to you directly or through affiliated or non-affiliated third parties. Without limitation, such services may include providing you with virtual accounts in order to enable you to use your Account or otherwise engage in various financial transactions that we do not directly provide. Each such service is subject to its own terms and conditions, and we shall not be responsible to you for any aspect of those services. We may permit you to charge any applicable fees for such services to your Account. You acknowledge and agree that we may receive compensation or otherwise benefit as a result of making such services available to you. # OneSafe Card Terms of Service - International Businesses

ONESAFE SPEND CARD TERMS

These OneSafe Spend Card Terms (the “Card Terms”) are a binding agreement between you (“you” or “your”) and the Issuer (“we”, “us”, or “our”) that governs your use of the OneSafe Spend Cards, including the process for obtaining and managing OneSafe Spend Cards, access to which is provided to you by Thresholdz Inc. (“OneSafe”). **Important Disclosures** PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN SECTION 16. BY USING THE CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH IN THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING. Rates, fees, and other important information about your OneSafe Spend Card (“Card” or “OneSafe Card”) are set forth in these Important Disclosures. Effective as of February 25, 2026 Interest Rates and Interest Charges - 0% Annual Percentage Rate (APR) for Purchases - 0% Your OneSafe Card is currently Zero 0 % interest on all purchases. Issuer and OneSafe reserve the right to implement interest in the future, for new purchases. OneSafe will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your OneSafe Card. **Fees** Transaction Fee Foreign Purchases \- Foreign Exchange Fee (non-USD): 3% \- Cross Border Fee: up to 3% ATM Withdrawals: 2% Penalty Fees \- Late payment: $40 \- Returned payment: $29 ‍WHEN YOU APPLY FOR A CARD ACCOUNT, ACTIVATE A CARD, OR OTHERWISE PARTICIPATE IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE ISSUING TERMS. **Terms** Background: The OneSafe Card is provided to you on behalf of OneSafe in connection with your status as a OneSafe customer. Your relationship with OneSafe in connection with platform access and related services (“Services”) is governed solely by the OneSafe platform Terms of Service (“User Terms” or OneSafe User Terms”) which constitute a separate agreement between you and OneSafe. The Issuer is not a party to the OneSafe User Terms and disclaims any liability for the performance of services covered therein. In the event of a conflict between these Card Terms and your User Terms, these Card Terms will control. OneSafe is providing access to a OneSafe Spend Account (“Account” or “OneSafe Account”) for purposes of facilitating transactions you make using one or more Cards for transactions up to the applicable credit limit. You understand that you have access to the Services and OneSafe Card only to the extent authorized by the OneSafe. You acknowledge and agree that OneSafe will satisfy obligations created through your use of the OneSafe Card and you will repay Partner based on the terms of your User Terms, subject to these Card Terms. You understand that the OneSafe Card is not intended for personal, consumer, or household use and you agree you will only use the OneSafe Card for commercial or business purposes. Details on OneSafe’s collection, use, and handling of your personal data are described in . Please review it carefully and contact OneSafe if you have any questions. By opening, using, or maintaining a Card, you consent to and direct Issuer to share information relating to transactions, including receipt information or other personal data, in order to deliver the Services. Issuer: The card program is issued by the Issuer under license from Visa. The information about the cost of the Card described in the above table is accurate as of February 25, 2026. This information may change after that date. To find out what may have changed, call or write the servicer, at . Issuer reserves the right to amend these Card Terms or impose additional obligations or restrictions on you at any time with or without notice to you. By continuing to use the Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when the Card Terms were last updated. Capitalized terms that are not defined here have the definitions provided in the User Terms. OneSafe provides technology services in connection with the OneSafe Card, and is not a bank, credit union, or money services business and does not itself extend credit, set interest rates, determine repayment terms or hold Collateral. Nothing in these Card Terms shall be construed as creating a lender-borrower relationship between you and OneSafe. You acknowledge and agree that OneSafe: (i) is an express third-party beneficiary of these Card Terms, with the limited right to enforce obligations that directly relate to its role; (ii) is not responsible for any decisions by the Issuer to approve, decline, suspend or close your Card account. OneSafe may, at the request of the Issuer, the payment network or a regulatory authority, suspend or restrict your access to the OneSafe platform or certain features, to protect against fraud, comply with applicable laws or manage program risk; (iii) does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral; and (iv) is not responsible for merchant acceptance of your OneSafe Card or for resolving disputes about goods or services purchased with the OneSafe Card. **Defined Terms:** “Authorized User(s)” means one or more individuals authorized to use the OneSafe Card and Account on your behalf. “Card Networks” means the payment card networks including Visa or Mastercard. “Charge” means a payment for goods or services made to a merchant that accepts payments on the applicable Card Network. “Chargeback” means a dispute that you initiate against a merchant for an unresolved dispute with the merchant or where a Charge is unauthorized. “Linked Wallet” means the primary wallet that is connected as a settlement source for your OneSafe Card and which may or may not enable you to access your OneSafe Account and OneSafe Card. “Fee” means charges we impose on you for use of Services or your use of a OneSafe Card. “Issuer” refers to Third National, including its affiliates, successors, and assigns. “Periodic Statement” means the periodic statements that reflect activity for all Cards issued to you identifying charges, fees, refunds, or other amounts owed or credited to your OneSafe Account during the time covered by that statement. “Supported Blockchains” means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks. We may update this list of Supported Blockchains at any time and at our sole discretion. **Agreement:** 1\. Accepting this Agreement & Eligibility These Card Terms become effective and legally binding when you activate or create your Card by following the instructions on the OneSafe platform. You and we agree to comply with, and be bound by, this entire agreement. You should retain and carefully review these Card Terms. By creating a Card, you agree to the Arbitration Clause below as it pertains to this agreement, even if you do not use the Account or the Card. By using a Card you represent and warrant in your individual capacity that: · You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC). · You will use the Services exclusively for purposes permitted by these Card Terms. · All information you provide to us, either directly or through Partner, is and will be true, correct, and complete. · You will not use the OneSafe Card for personal, family, or household use. · You will only use the OneSafe Card in compliance with applicable law. · You attest that you were not solicited for this product. 2\. Issuer Terms The Issuer is identified on the back of the OneSafe Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you. Issuer is the creditor responsible for funding your payments for goods and services your purchase at a merchant through your OneSafe Card and based on information provided by OneSafe. Please note that the Issuer may require you to accept additional terms in addition to the agreements you have with OneSafe, and your use of the OneSafe Cards will then also be subject to such additional terms. 3\. Collateral This Account is secured by collateral. Either your primary Linked Wallet or any Additional Wallets may provide the collateral that will secure the Charges made by you on any OneSafe Card (the “Collateral”). The Collateral must be held in a wallet on a Supported Blockchain. By entering into these Card Terms, you are furnishing and granting us a security interest in the Collateral, as well as any additions to, substitutions or renewals of the Collateral. No portion of the Collateral may be used by you to secure other loans. A “Liquidation Event” will occur a) if you have an outstanding payment obligation to OneSafe or the Issuer, as applicable, and such payment obligation has not been paid in full by you within one (1) calendar day; OR b) the Market Value of your collateral drops below the value of the existing charges on your OneSafe Card(s) and you do not add additional collateral. OneSafe and Issuer may allow for an additional grace period at their discretion. “Market Value” of the Collateral will be determined by OneSafe and/or Issuer using the net redemption value provided by a centralized stablecoin issuer and/or the real time price posted on a reputable and recognized exchange or price aggregator, or by reference to a price oracle, subject to OneSafe or Issuers discretion. You agree to pay all transaction costs or “gas” fees relating to the any Liquidation transaction and that all such costs or fees will be paid from your Collateral and will not be credited to your Account. You agree that the market value of your collateral is determined solely by Issuer through the above methods. You further agree that the Market Value is determined at the time of a Liquidation Event and any change in or fluctuation in value of the Collateral before or after a Liquidation Event will have no bearing on obligations owed to OneSafe and/or Issuer. You, through one or more of your Linked Wallet or Additional Wallets, must ensure that the Collateral has Market Value in United States Dollars (“USD”) that is greater than or equal to the value of all unpaid charges to all of your OneSafe Cards. For example, if you provide Collateral with a Market Value equal to $100 of value in USD, and that Market Value does not change, your spending limit will be equal to $100 USD across all your OneSafe Cards. Once $100 USD has been charged to your OneSafe Cards, you will be required to either make a payment or to provide additional Collateral in order to be able to make any additional Charges. If, at any time, the Market Value of the Collateral is less than the value of all unpaid charges, we may require you to add to the Collateral or you may be subject to a Liquidation Event, at our sole discretion. If the Market Value of your Collateral is subject to a Liquidation Event when the Market Value is below your existing charges, you still owe OneSafe and Issuer any difference between the USD value of the charges, and the USD value of the Collateral at the time of the Liquidation Event. Your withdrawal of any Collateral will not terminate any outstanding payment obligations you may have on your OneSafe Cards. OneSafe and Issuer will not, in any circumstance, be holding custody of your Collateral. Issuer is not a custodian or owner of your Collateral. If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral. Any unencumbered Collateral balances shall remain freely accessible. You authorize and consent to OneSafe or Issuer liquidating the Collateral upon a Liquidation Event through a third party or by other means in order to satisfy payment obligations owed by you to OneSafe, the Issuer or other third party, as applicable. You must ensure that sufficient Collateral is maintained to support the Charges incurred by you and all Authorized Users. All Authorized User activity will be attributed to you, and liquidation may occur as a result of an Authorized User’s transactions. You acknowledge and agree that the Supported Blockchains, including any Supported Blockchains that consist of or include tokenized assets, are issued and managed by third parties, and are subject to their own terms, conditions, and risks. We and OneSafe make no representations or warranties regarding any Supported Blockchain, or any underlying collateral related to such Supported Blockchain, including but not limited to their value, liquidity, stability, yield, rewards, or any other attributes. We and OneSafe expressly disclaim all responsibility and liability for any losses, fluctuations, or other outcomes arising from the ownership, use, performance, or characteristics of any Supported Blockchain and/or Collateral. You are responsible for evaluating and accepting the risks associated with any Supported Blockchain you use to provide u Collateral. You waive any right to require us to: (a) proceed against any Cardholder or any other person; (b) proceed against or exhaust any security held under these Card Terms; or (c) pursue any other remedy available to us under applicable law. Issuer or OneSafe may, without prior notice, and from time to time: (a) renew, compromise, extend, accelerate or otherwise change the terms relating to the Account; (b) take and hold security (other than the Collateral) for payment of the Account and enforce, exchange and release the security in any manner that we determine is proper; (c) release or substitute any Cardholder, guarantor, or endorser of the Account; and (d) increase or lower the Credit Limit on your Account, and no such action shall change the fact that the Collateral shall at all times serve as security for the Account. 4\. Spending Limits Your spending limit is generally set by OneSafe pursuant to the terms of the OneSafe Terms as well as the amount of the Collateral. Issuer or OneSafe may additionally set spending limits on each OneSafe Card or an aggregate spending limit across all OneSafe Cards, at their sole discretion. OneSafe Account Spending limits are dynamic and may be modified at any time with or without notice to you, including temporary increases or decreases or reducing spending limits to $0. Any authorized Charge or fee on a OneSafe Card may reduce your spending limit by a corresponding amount. When you use OneSafe Card to initiate a transaction at certain merchants where the amount of the final transaction is unknown at the time of authorization, Issuer may assess a value to such a Charge for an amount higher or lower than the final Charges. The initial “hold” Charge will reduce your spending limit until the final Charge is determined. 5\. Purchases & Restrictions The primary purpose of your Account is to facilitate corporate expenses and other corporate purchases. OneSafe and Issuer reserve the right to block and terminate transactions and suspend access to your Account, unless prohibited by applicable law, for transactions and activity which presents patterns that do not conform with business purposes. You may use your Account to purchase or lease goods or services (each, a “purchase”) by presenting your Card or providing to participating merchants and establishments that honor the Card your Card number and additional information by any other means (for example, over the phone, online or through a mobile app). We will not be liable to you (or anyone else) if any merchant or other person cannot or will not process a purchase permitted under these Card Terms. Unless prohibited by applicable law, we may from time to time limit the type, number and dollar amount of any purchase, including any cash-like transaction, even if you have sufficient available credit to complete the purchase. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted: • purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions; • purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions; • person-to-person money transfers and account-funding transactions that transfer currency; and • making a payment using a third-party service including bill payment transactions not made directly with the merchant or their service provider. We reserve the right to deny any purchase for any reason, such as account default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the purchase. We may terminate or suspend your use of the Card or the Account, with or without notice to you before or at the time we take such action. Cash advances and balance transfers are not available under these Card Terms. You acknowledge and agree that you have read and understood the and that you will not engage in any such activities when using the Services or the OneSafe Card. You acknowledge and agree that you will not use the OneSafe Card (1) for any expense which is not a business expenses incurred by you; (2) for any purpose prohibited by these Card Terms; (3) for, with, or for the benefit of any individual or entity who is blocked or sanctioned by the United States, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC); or (d) for personal, family, or household use. You will use all reasonable means to protect your OneSafe Cards and log-in credentials to the OneSafe Account from unauthorized use. You will not allow any other person or third party to use the Services or the OneSafe Card on your behalf, except that Authorized Users, if any, may use your Account. You will immediately notify us where you know or suspect that access to your OneSafe Account has been compromised or your OneSafe Card has been lost, stolen, or compromised in any way. You are responsible for ensuring that only Authorized Users are issued the OneSafe Card and that each Authorized User has been provided with a copy of, and fully complies with, these Card Terms, OneSafe’s User Terms, the Prohibited Use Policy and all applicable laws. 6\. Payments 6.1 Promise to Pay While you will generally repay OneSafe for amounts transacted with your Card, you also promise to pay Issuer or its assignees for all amounts charged to the Account not repaid to Issuer by Partner, including all purchases, interest, and charges charged to your Account. Except as otherwise described in this Agreement, You are obligated to repay all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them. You agree to bear the liability for all charges, fees, penalties, Collateral requirements, and repayment obligations incurred by your Authorized Users. 6.2 Periodic Statements You are responsible for payment in full of all Charges and Fees. Your OneSafe OneSafe Account may furnish to you Periodic Statements identifying Charges, Fees, refunds, the amount of your Collateral, any other Card transactions, or other amounts owed or credited to your OneSafe Account. Periodic Statements may be made accessible to you on your OneSafe Account daily, monthly, or otherwise. You must notify us promptly if you believe that there are any errors on your Periodic Statement, and submit any disputes or Chargebacks in accordance with these Card Terms. Your failure to get a Periodic Statement will have no bearing on your obligations and OneSafe and Issuer may still liquidate your collateral per Section 3 of this agreement. 6.3 Repayments Where applicable, you may make a repayment for a balance on one or more of your OneSafe Cards by any means that are permitted by OneSafe and as provided in your OneSafe Account. Any failure to pay the full amount owed when required is a breach of these Card Terms. You are responsible for all costs or expenses that we may incur in collecting amounts owed but not timely paid, including legal or collections fees and any interest at the maximum rate permitted under law. Balances in your linked wallet and the Collateral may each be used as a source of funds for repayment for any spending on your Card, and you expressly authorize the use of your linked wallet and the Collateral for repayment any time you use your card for purchases, as described in the liquidation provisions discussed in Section 3 of this agreement and elsewhere in these Card Terms. 6.4 Prepayment At any time and where applicable, you may pay all or any part of your outstanding Account balance, without penalty. Payment of more than the payment due in one billing cycle will not relieve you of the obligation to pay the entire payment due in subsequent billing cycles. 6.5 Right of Setoff. If you default under these Card Terms, you agree and understand that, without prior notice or demand, OneSafe and Issuer have the absolute right to setoff all amounts due against the Collateral, any Linked Accounts, and any other of your funds that OneSafe or Issuer, and their respective affiliates and third-party service providers, may access. 7\. Fees. Subject to applicable law you agree to pay the following fees: A. The Fees applicable to your Account are described above. You are responsible for Fees in addition to Charges. B. Returned Payment fees become payable by you each time a payment on your Account is returned or reversed for any reason or we must return any check, instrument, or transaction you send us because it is incomplete or faulty, we will charge you a returned payment fee of $29.00. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us. C. Foreign Currency Transactions. If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing date that is (1) selected by the association from the range of rates available in wholesale currency markets, which rate may vary from the rate the association receives, or (2) the government mandated rate. The conversion rate you get may differ from the rate on the transaction date or the posting date, and from the rate that the credit card association gets. A merchant or other third party may convert a transaction into U.S. dollars or another currency, using a rate they select, before sending it to the credit card association. 8\. Managing Your OneSafe Cards 8.1 Requesting and Replacing Cards We or OneSafe may decide not to grant requests for OneSafe Cards or limit the number of physical or virtual OneSafe Cards provided to you. You are responsible for securing OneSafe Cards, account numbers, and OneSafe Card security features. You will promptly notify us and take appropriate measures to prevent unauthorized transactions when a OneSafe Card is lost, stolen, breached, or needs to be replaced. In such cases, you may request the issuance of replacement OneSafe Cards through your OneSafe Account. Replacement Cards may have new account numbers that could require you to update the OneSafe Card on file for any scheduled or recurring payments. You are solely responsible for updating OneSafe Card information stored with merchants where account numbers have been changed. 8.2 Permitted and Unauthorized Use You may only use OneSafe Cards for bona fide business-related Charges and transactions, and not for personal, family, or household purposes. You understand that your OneSafe Account is commercial in nature and that certain consumer protection laws do not apply to your OneSafe Account or the OneSafe Cards. You agree that all Charges and other transactions in your account will be treated as business transactions made solely for business purposes. You agree to establish and maintain controls designed to ensure that the OneSafe Cards are only used by you and your permitted authorized users for bona fide business purposes and in compliance with these Card Terms, any Issuer terms, and applicable law. You are responsible for Charges and transactions made by any person given access to OneSafe Cards even if they are not the person associated with or named on the OneSafe Card. OneSafe, Issuers, Card Networks, or other intermediary third-party service providers (including merchant acquirers) may deny or reverse Charges for any reason. Issuer is not responsible for any losses, damages, or harm caused by any Charges that are denied or reversed. 8.3 Lost or Stolen Cards. If your Card is lost or stolen or if you think someone may be using your Card or Account without your permission, you must notify us promptly by emailing us at . You will not be liable for any unauthorized use that occurs after you notify us. If Unauthorized Use of the Account occurs, you agree to cooperate with OneSafe, Issuer, and any applicable law enforcement authorities in identifying the unauthorized user. All claims of alleged loss, theft, or Unauthorized Use of a Card or the Account are subject to investigation. You agree to be fully liable for all Purchases, Fees, and any other amounts due on your Account in connection with any claimed Unauthorized Use, except for such amounts incurred after you provide actual notice to Issuer or OneSafe of such Unauthorized Use. “Unauthorized Use” means any use of a Card or the Account (in any way) by a person who does not have actual, implied, or apparent authority for such use, and from which you received no benefit, directly or indirectly. 9\. Chargebacks You are responsible for reviewing your Periodic Statements promptly and identifying any Charges that you believe are unauthorized or that you dispute. If you and a merchant have a dispute regarding a Charge identified on your Periodic Statement, such as delivery of incorrect goods or services or being charged the wrong amount, you should first attempt to resolve the dispute with the merchant. If the dispute is not resolved to your satisfaction or if you believe the Charge is unauthorized, you may initiate a Chargeback through your OneSafe Account. You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted on your Periodic Statement. We may require additional details on the transaction and our review of your disputed Charge will be conditioned on you providing all of the information we may require to review the disputed Charge. You understand that the OneSafe Card is subject to Card Network rules regarding chargebacks. The Card Networks have additional established procedures for resolving chargebacks that may require you to provide further details of the disputed Charge or associated documentation. Charges relating to disputed Charges and Chargebacks that are pending resolution may still be due and owing as of the date that payment is due as provided in the applicable Periodic Statement. Chargebacks resolved in your favor will be credited to your OneSafe Account on either the current or a future Periodic Statement. We may impose Fees, reduce your spending limits, or suspend access to your OneSafe Account or the Services if you fail to pay Charges relating to Chargebacks that are pending resolution on the payment date. 10\. Termination Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use the Card or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice. Any termination of credit privileges, whether initiated by us or by you, will not affect any of our rights or your obligations under these Card Terms, including your obligation to repay any amounts you owe us according to the terms of these Card Terms. On our demand or upon termination of credit privileges, you agree to surrender to us or destroy the Card. If you attempt to use the Card after the termination of credit privileges (whether or not we have provided notice of such termination), the Card may be retained by a merchant, ATM or financial institution where you attempt to use the Card. 11\. Change of Terms Subject to applicable law, we may at any time change, add to or delete terms and conditions of these Card Terms, including interest rates and this Change of Terms provision. Such changes may be based on our anti-fraud policies and procedures, your level of compliance with these Card Terms, prevailing economic conditions and/or any other factors. We will give you notice of any change, addition or deletion as required by applicable law. As of the effective date, the changed terms, at our option, will apply to new purchases and the outstanding balances of your Account, to the extent permitted by applicable law. 12\. Default and Remedies We may consider you in default of these Card Terms if: • You do not make any payment when it is due; • Any payment you make is rejected, not paid or cannot be processed; • You exceed a credit limit; • A bankruptcy or other insolvency proceeding is filed by or against you; • We determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us; • We reasonably believe that you are or may become unable to pay all of your financial obligations; or • You do not comply with any term of these Card Terms or any other agreement with us. In the event of your default under these Card Terms, we may, subject to applicable law (including any applicable notice requirement): (a) declare all or any portion of your outstanding Account balance to be immediately due and payable; (b) instead allow you to repay your Account balance by paying the minimum payment due each billing cycle, without waiving any rights under subsection (a); and/or (c) commence a collection action against you and charge you for any court costs and/or any reasonable attorneys’ fees and costs we are charged in connection with such action by any attorney who is not our salaried employee. After a default, interest charges will continue to accrue until your total Account balance, including accrued interest charges, is paid in full, subject to applicable law. 13\. ‍ Delay in Enforcement We may at any time and in our sole discretion delay or waive enforcing any of our rights or remedies under these Card Terms or under applicable law without losing any of those or any other rights or remedies. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a later date. For example, we may accept late payments without losing any of our rights under these Card Terms. 14\. Communications and Call Recording. You authorize OneSafe, Issuer and their partners (each of Issuer’s affiliates, agents, assigns, and service providers (collectively, the “Messaging Parties”) to use automatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems, or any system capable of storing and dialing telephone numbers to deliver messages relating to these Card Terms, your Account, or your relationship with the Messaging Parties more generally (including but not limited to: messages about upcoming payment due dates, missed payments and returned payments) to any telephone number(s) you provide to the Messaging Parties. You also agree that these messages may deliver prerecorded and/or artificial voice messages. You understand that telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else, and that these messages may also be recorded by your answering machine. You also authorize the Messaging Parties to deliver messages to you via mail or email at any addresses you supply to them or that they obtain through any legal means. By accepting these Card Terms or using your Card, you acknowledge that you have received, reviewed, and agree to be bound by the Issuer’s [E-Sign & Electronic Communications Notice](https://legal.raincards.xyz/legal/electronic-communications-notice) (the “E-Sign Notice”), which is incorporated herein by reference. You consent to receive all disclosures, notices, agreements, and other communications from Issuer and the Messaging Parties in electronic form, in accordance with the E-Sign Notice. You agree that such electronic communications satisfy any legal requirement that such communications be in writing. The E-Sign Notice may be amended by Issuer from time to time, and your continued use of the Card after any such amendment constitutes your acceptance of the amended E-Sign Notice. You understand that anyone with access to your mail, telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services, and you agree that the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. If any telephone number you have provided to the Messaging Parties changes, or if you cease to be the owner, subscriber, or primary user of any such telephone number, you agree to immediately give notice to the Messaging Party who delivered the messages of such facts so that the Messaging Party can update its records. This authorization is part of our bargain concerning these Card Terms, and we do not intend it to be revocable. However, to the extent you have the right to revoke your consent to communications by autodialed calls and text messages to your mobile number under applicable law, you may exercise this right by contacting the applicable Messaging Party directly or by sending a request by email to with the subject line “END COMMUNICATIONS.” You may opt-out of receiving most of these messages at any time by sending us a request to or by responding “STOP” to any text message. To stop emails only, you can follow the opt-out instructions included at the bottom of the Messaging Parties’ emails. 15\. Governing Law These Card Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conflict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section below must be brought in state or federal court in Puerto Rico, unless we both agree in writing to some other location, and you hereby consent to the venue and personal jurisdiction of such court. 16\. Dispute Resolution & Arbitration PLEASE READ THIS "DISPUTE RESOLUTION AND ARBITRATION" PROVISION VERY CAREFULLY. IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND ISSUER. OneSafe IS THE TECHNOLOGY PROVIDER FOR THE CARD BUT IS NOT THE ISSUER, CREDITOR OR LENDER. OneSafe IS NOT A PARTY TO THESE CARD TERMS AND HAS NO LIABILITY FOR THE ISSUER’S OBLIGATIONS UNDER IT. HOWEVER, OneSafe IS AN EXPRESS THIRD-PARTY BENEFICIARY OF THESE CARD TERMS WITH RESPECT TO ANY PROVISIONS THAT ALLOCATE RISK, DISCLAIM LIABILITY, LIMIT REMEDIES OR REQUIRE DISPUTES TO BE RESOLVED THROUGH ARBITRATION. ACCORDINGLY, TO THE EXTENT A DISPUTE INVOLVES OneSafe, OneSafe SHALL BE ENTITLED TO INVOKE AND BENEFIT FROM THE SAME PROTECTIONS, LIMITATIONS AND DISPUTE RESOLUTION PROCEDURES AS THE ISSUER. TO THE EXTENT YOU HAVE ANY DISPUTE YOU MAY HAVE WITH OneSafe RELATING SOLELY TO SERVICES PROVIDED TO YOU UNDER YOUR SEPARATE USER TERMS WITH OneSafe, SUCH DISPUTES WILL BE GOVERNED EXCLUSIVELY IN ACCORDANCE WITH THE OneSafe USER TERMS. Binding Arbitration: (a) You and Issuer agree that any and all past, present and future Disputes (defined below) shall be determined by arbitration, unless your Dispute is subject to an exception to this agreement to arbitrate set forth below. You and Issuer further agree that any arbitration pursuant to this section shall not proceed as a class, group or representative action. The award of the arbitrator may be entered in any court having jurisdiction. “Dispute” means any dispute, claim, or controversy between you and Issuer that arises out of or relates to (i) these Card Terms (including any addenda hereto or other terms incorporated herein by reference), (ii) the breach, termination, enforcement, interpretation or validity hereof, including the determination of the scope or applicability of the agreement to arbitrate hereunder, or (iii) any Services (including, without limitation, the OneSafe Card). (b) This agreement to arbitrate shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in these Card Terms. Arbitration Procedure: (a) Before filing a claim against Issuer, you agree to try to resolve the Dispute informally by providing written notice to Issuer of the actual or potential Dispute. Similarly, Issuer will provide written notice to you of any actual or potential Dispute to endeavor to resolve any claim we may possess informally before taking any formal action. The party that provides the notice of the actual or potential Dispute (the "Notifying Party") will include in that notice (a "Notice of Dispute") your name, the Notifying Party's contact information for any communications relating to such Dispute, and sufficient details regarding such Dispute to enable the other party (the "Notified Party") to understand the basis of and evaluate the concerns raised. If the Notified Party responds within ten (10) business days after receiving the Notice of Dispute that it is ready and willing to engage in good faith discussions in an effort to resolve the Dispute informally, then each party shall promptly participate in such discussions in good faith. (b) If, notwithstanding the Notifying Party's compliance with all of its obligations under the preceding paragraph, a Dispute is not resolved within thirty (30) days after the Notice of Dispute is sent (or if the Notified Party fails to respond to the Notice of Dispute within ten (10) business days), the Notifying Party may initiate an arbitration proceeding as described below. If either party purports to initiate arbitration without first providing a Notice of Dispute and otherwise complying with all of its obligations under the preceding paragraph, then, notwithstanding any other provision of these Card Terms, the arbitrator(s) will promptly dismiss the claim with prejudice and will award the other party all of its costs and expenses (including, without limitation, reasonable attorneys' fees) incurred in connection with such Dispute. (c) You and Issuer each agree to resolve any Disputes that are not resolved informally as described above through final and binding arbitration as discussed herein, except as set forth under Section 12.3 below. You and Issuer agree that the American Arbitration Association ("AAA") will administer the arbitration under its Commercial Arbitration Rules (the "Rules"). The Rules are available at [www.adr.org](http://www.adr.org) or by calling the AAA at 1-800-778-7879. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a general Demand for Arbitration.) Arbitration will proceed on an individual basis and will be handled by a sole arbitrator. The single arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA's roster of arbitrators. If the parties are unable to agree upon an arbitrator within fourteen (14) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. The arbitrator(s) shall be authorized to award any remedies, including injunctive relief, that would be available to you in an individual lawsuit, subject to any effective and enforceable limitations of liability or exclusions of remedies set forth herein. Notwithstanding any language to the contrary in this paragraph, if a party seeks injunctive relief that would significantly impact other Issuer users as reasonably determined by either party, the parties agree that such arbitration will proceed on an individual basis but will be handled by a panel of three (3) arbitrators. Each party shall select one arbitrator, and the two party-selected arbitrators shall select the third, who shall serve as chair of the arbitral panel. That chairperson shall be a retired judge or an attorney licensed to practice law and with experience arbitrating or mediating disputes. In the event of disagreement as to whether the threshold for a three-arbitrator panel has been met, the sole arbitrator appointed in accordance with this Section shall make that determination. If the arbitrator determines a three-person panel is appropriate, the arbitrator may -- if selected by either party or as the chair by the two party-selected arbitrators -- participate in the arbitral panel. Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award shall be confidential. (d) You and Issuer further agree that the arbitration will be held in the English language in New York, New York, or, if you so elect, all proceedings can be conducted via videoconference, telephonically or via other remote electronic means. (e) Filing costs and administrative fees shall be paid in accordance with the AAA Rules; provided that the prevailing party will be entitled to recover its reasonable attorneys' fees, expert witness fees, and out-of-pocket costs incurred in connection with the arbitration proceeding, in addition to any other relief it may be awarded. (f) You and Issuer agree that, notwithstanding anything to the contrary in the Rules, the arbitration of any Dispute shall proceed on an individual basis, and neither you nor Issuer may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a "Collective Arbitration"). Without limiting the generality of the foregoing, a claim to resolve any Dispute against Issuer will be deemed a Collective Arbitration if (i) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (ii) counsel for the claimants are the same, share fees or coordinate across the arbitrations. "Concurrently" for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR ISSUER SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE DISPUTES BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY DISPUTE, ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. Without limiting the foregoing, any challenge to the validity of this paragraph shall be determined exclusively by the arbitrator. Small Claims: Notwithstanding your and Issuer’s agreement to arbitrate Disputes, You and Issuer retain the right to bring an individual action in small claims court. Class Waiver: To the extent applicable law permits, any dispute arising out of or relating to these Card Terms, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. Notwithstanding any other provision of these Card Terms or the AAA Rules, disputes regarding the interpretation, applicability, or enforceability of this class waiver may be resolved only by a court and not by an arbitrator. If this waiver of class or consolidated actions is deemed invalid or unenforceable, neither party is entitled to arbitration. No Jury Trial: If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to these Card Terms. Venue and Jurisdiction for Judicial Proceedings: Except as otherwise required by applicable law or provided in these Card Terms, in the event that the agreement to arbitrate is found not to apply to you or your Dispute, you and Issuer agree that any judicial proceeding may only be brought in a court of competent jurisdiction in Puerto Rico. Both you and Issuer irrevocably consent to venue and personal jurisdiction in Puerto Rico; provided that either party may bring any action to confirm an arbitral award in any court having jurisdiction. Confidentiality: The existence of all information regarding any Dispute will be held in strict confidence by the parties and will not be disclosed by either party except as reasonably necessary in connection with the conduct of the arbitration or the confirmation or enforcement of any arbitral award. Any such permitted disclosure will, to the maximum extent reasonably practicable, be made subject to obligations of confidentiality at least as stringent as the provisions of this paragraph. If any disclosure of information regarding any Dispute is required under applicable law, the parties shall reasonably cooperate with one another to obtain protective orders or otherwise to preserve the confidentiality of such information. 17\. Survival The following provisions of these Card Terms shall survive any termination or expiration of these Card Terms and shall remain in full force and effect until all of your obligations to us have been fully and finally satisfied: (a) all of your payment obligations and our right to collect all amounts owed by you; (b) all security interest, collateral, and setoff provisions, including our rights in any Collateral; (c) any indemnification obligations; (d) the limitation of liability provisions; (e) the disclaimer of warranties provisions; (f) the dispute resolution and arbitration provisions, including the class waiver; (g) our communications and contact rights; (h) our assignment rights; (k) any waiver provisions; (l) all representations and warranties made by you; (m) any accrued rights, remedies, or causes of action in favor of either party; and (n) any other provision that by its nature or express terms is intended to survive. 18\. Severability If any provision of these Card Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent, or if such modification is not possible, such provision shall be severed from these Card Terms. The remaining provisions shall remain in full force and effect. Notwithstanding the foregoing paragraph, in the event that a court finds the prohibition of Collective Arbitration in Section 16 to be invalid or unenforceable, then all provisions in Section 16 shall be deemed void, except for any portion of any provision in Section 16 related to the resolution of Disputes through litigation in court. 19\. Assignment These Card Terms will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We may transfer your Account, these Card Terms, or any of our rights or obligations therein, to another company or person at any time, without your permission and without prior notice to you. If we do, they will take our place under these Card Terms. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. 20\. Entire Agreement These Card Terms constitute the entire agreement between you and Issuer regarding the subject matter hereof and supersede all prior or contemporaneous agreements, understandings, representations, and communications whether written or oral, regarding such subject matter. 21\. Force Majeure We shall not be liable for any delay or failure to perform any obligation under these Card Terms to the extent that such delay or failure is caused by circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government actions, epidemics or pandemics, internet or telecommunications failures, or failures of third-party service providers. 22\. Disclaimer of Warranties TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. 23\. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ISSUER, ITS AFFILIATES, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, OR LICENSORS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER SIMILAR DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR LOSS OF BUSINESS OPPORTUNITY, WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE. IN NO EVENT SHALL ISSUER’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR ACCOUNT EXCEED THE LESSER OF (A) YOUR ACTUAL DIRECT DAMAGES PROVEN OR (B) THE TOTAL AMOUNTS PAID BY YOU IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. 24\. Indemnity You will indemnify and defend Issuer, its affiliates, and its partners, directors, officers, employees, agents, trustees, administrators, managers, advisors, and representatives (each an “Indemnitee”) against, and hold each Indemnitee harmless from, any and all claims, litigation, investigations, proceedings, losses, damages, fines, penalties, liabilities, settlements, costs, fees, and expenses incurred by any Indemnitee or asserted against any Indemnitee by any person arising out of, in connection with, related to, or as a result of your (i) breach of any of the representations, warranties, or covenants contained in these Card Terms; or (ii) gross negligence, fraud, or violation of any applicable law or rights of any third-party. Issuer may defend any claim subject to indemnification hereunder, using counsel of its choice, and you will pay or promptly reimburse Issuer for the reasonable fees of such counsel and all related costs and reasonable expenses. If you are a user from a jurisdiction that does not allow certain indemnification obligations, you agree that this indemnity is intended to be as broad as permitted under the laws of such jurisdiction. 25\. Notification of Corporate Changes You must notify OneSafe immediately upon any change to: • Your company’s ownership or beneficial owners, including, but not limited to, any sale, merger or consolidation into another company. • Any change to the company’s address, phone number, email, or other contact information. • If you become insolvent or if bankruptcy or other insolvency proceedings are commenced by or against you; or • If a receiver or trustee for the benefit of creditors is appointed for the company. 26\. Obligation to Provide Financial and Other Company Information From time to time and upon the reasonable request of OneSafe or Issuer, you agree to provide to the requesting party financial and other corporate information in form and detail satisfactory to the requesting party. 27\. Additional Services We may, from time to time, make additional services available to you directly or through affiliated or non-affiliated third parties. Without limitation, such services may include providing you with virtual accounts in order to enable you to use your Account or otherwise engage in various financial transactions that we do not directly provide. Each such service is subject to its own terms and conditions, and we shall not be responsible to you for any aspect of those services. We may permit you to charge any applicable fees for such services to your Account. You acknowledge and agree that we may receive compensation or otherwise benefit as a result of making such services available to you.