Terms of Use

Welcome to PickleJar!                                                                                                     (Updated May 9, 2024)

This User Agreement (this “Agreement”) is a contract between you and PickleJar Holdings, Inc. and its affiliates (“PickleJar,” “we,” or “us”) governing your use of your PickleJar account and products and services (the “Services”). To use the Services:

1. You must be a resident of the United States or its territories, Canada, or the United Kingdom (the “Territories”) and have a bank account based in one (1) of the Territories.

2. You must be at least eighteen (18) years old or the age of majority in your state/Territory of residence.

3. You must use a mobile/wireless telephone number that you own and

4. You agree to comply with all the terms and conditions in this Agreement.

We reserve the right to revise this Agreement and any of the policies listed above from time to time without notice, subject to applicable law. The revised version will be effective at the time of posting. If our changes reduce your rights or increase your responsibilities, we will notify you within twenty-one (21) days.

By continuing to use our services after any changes posted to this Agreement or policy, they become effective immediately, and you agree to abide by and be bound by those changes. If you do not agree with any changes to this Agreement or policy, you may close your account.

Bank Transfer Reviews

We review account and transaction activity at various times, including when bank transfers are initiated. This review checks for, among other things, suspicious or illegal activity and whether your account activity and the activity of users with whom you’ve transacted comply with this Agreement. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to money or that it is sent to you until verification is completed. Reviews may result in:

• Delayed, blocked, or canceled transfers; • Money or payments being held by us.

• Money or payments are being applied to amounts you owe to us or used to offset losses we incur.

• Account limitation, suspension, or termination.

• Money or payments being seized to comply with a court order, warrant, or other legal process; and/or

• Money or payments you previously received being reversed (i.e., sent back to the sender or to the card or bank account used to fund the payment).

We may take the above actions, among other reasons, if you knowingly or unknowingly made a payment using a stolen card, compromised bank account, or compromised PickleJar account or if you made a transaction for goods and services between two personal accounts.

PICKLEJAR SHOULD ONLY BE USED TO TRANSACT WITH PEOPLE YOU KNOW AND TRUST. DO NOT USE PICKLEJAR TO TRANSACT WITH PEOPLE YOU DON’T KNOW, ESPECIALLY IF THE PAYMENT INVOLVES THE PURCHASE OR SALE OF A GOOD OR SERVICE. UNLESS PICKLEJAR EXPRESSLY AUTHORIZES YOUR PAYMENT FOR A GOOD

OR SERVICE, FOR EXAMPLE, TRANSACTIONS WITH AN AUTHORIZED MERCHANT OR ARTIST PROFILE, PAYING OR RECEIVING PAYMENT FOR A GOOD OR A SERVICE IS PROHIBITED. IF YOU USE PICKLEJAR TO CONDUCT SUCH A TRANSACTION AND WE LATER REVERSE THE PAYMENT(WHICH COULD OCCUR IF IT IS DETERMINED THAT THIS AGREEMENT WAS VIOLATED OR IF THE PAYMENT WAS MADE USING A COMPROMISED PAYMENT METHOD OR ACCOUNT), YOU COULD LOSE BOTH THE UNDERLYING GOODS OR SERVICES AND THE MONEY SENT FOR THEM.

Debit and Credit Card Processing

PickleJar will process your debit or credit card-funded transactions through Stripe Connect.

Forged or Unauthorized Transactions

You must safeguard access to your PickleJar account (including all credit card, debit card, and bank accounts), account information, account security codes, passwords, personal identification numbers, and personal identification. You agree to report to PickleJar any lost or stolen credit, debit cards, or any unauthorized transaction(s) on your account immediately upon discovery. Suppose you permit any person access to any credit card, debit card, or bank account used within PickleJar and not reported as lost, stolen, or compromised. In that case, it shall be deemed as negligence under this Agreement. PickleJar will not be responsible for any fraudulent or family use and disputes by financial institutions for misuse or unrecognized use.

Reporting an Unauthorized Transaction

If you believe your PickleJar login information has been lost, stolen, or compromised, contact customer service immediately by visiting the Support Center, emailing support@picklejar.com, or calling +1.888.972.7553, Monday through Friday from 9:00 AM to 5:00 PM CT.

Please tell us immediately if you believe an EFT has been made without your permission using your login information or other means or if your PickleJar-activated mobile phone has been lost, stolen, or deactivated. You could lose all the money in your PickleJar account. If you tell us within five (5) days after we issue your statement showing transfers you did not make, you will be eligible for 100% protection against Unauthorized Transactions.

Also, if your PickleJar account statement shows transfers you did not make, including those made with your PickleJar login information or other means, let us know immediately. If you do not tell us within five (5) days after we issue the statement, you may not get back any money you lost after the five (5) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we may extend the periods at our sole discretion.

Filing a chargeback, dispute, or reversal with your financial institution related to a PickleJar payment does not constitute notice of an unauthorized transaction to PickleJar. You must contact us directly to notify us of unauthorized transactions by visiting the Support Center, emailing support@picklejar.com, or calling +1.888.972.7553, Monday through Friday, from 9:00 AM to 5:00 PM CT.

If you fail to report the unauthorized activity directly to PickleJar, then we may recover the amount of the reversed payment from you.

Your Release of Us

Suppose you have a dispute with any other PickleJar account holder. In that case, you release us from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering this release, you expressly waive any protections that would otherwise limit the coverage of this release to include only those claims that you may know or suspect to exist in your favor at the time of agreeing to this release.

Content Posted by Users

When using PickleJar’s products and services, you can post content (e.g., payment descriptions, business descriptions, comments, and/or photos). You are solely responsible for all content you provide, post, upload, or submit. We are not responsible for evaluating the accuracy, truthfulness, usefulness, legality, safety, morality, or applicability of any content users post on PickleJar. PickleJar does not endorse, guarantee, make representations, or provide warranties regarding such content.

PickleJar may, at its sole discretion, reject or remove any content that violates our Content Standards or for any other reason we deem the content inappropriate. PickleJar shall have no obligation to monitor the content posted, uploaded, or submitted by a user but may do so at its sole discretion. PickleJar is not responsible for any failure or delay in removing such content.

Content Standards

You may not post or submit any content that violates our Acceptable Use Policy or any content that is:

• false, misleading, deceiving, inaccurate or dishonest.

• defamatory or invasive of another person’s right to privacy or publicity.

• harmful, obscene, harassing, abusive, offensive, objectionable, violent, or condoning violence or harm, displaying nudity or sexual activity, or otherwise unfit for publication.

• inciting hatred of individuals or groups based on race or ethnic origin, religion, nationality, disability, gender, age, veteran status, or sexual orientation/gender identity, portraying or inciting animal cruelty or neglect.

• illegal, such as criminal activity, terrorism, obscenity, child pornography, human exploitation, gambling, drug use, firearms or ammunition, and piracy.

• infringing intellectual property or other proprietary rights of any party or not authorized, such as content you did not create or do not have permission to use.

• creating a privacy or security risk to any person; • spam, letters, or pyramid schemes; or

• at our sole discretion, objectionable or exposes users to harm or liability.

Please report inaccurate, inappropriate, or offensive content, policy violations, or other violations to our Content Standards (other than intellectual property infringement claims) covered in the Submitting Intellectual Property Complaints section.

Money Transmitter Licenses

Stripe Connect is a licensed provider of money transfer services, and Stripe Connect provides all money transmission under Stripe Connects licenses.

PickleJar is Not a Payment Service Provider. PickleJar does NOT:

• Act as an escrow agent concerning any money sent to you on PickleJar that has not been transferred:

• Act as your agent or trustee.

• Enter into a partnership, joint venture, agency, or employment relationship with you; • Guarantee the identity of any user or seller.

• Determine if you are liable for any taxes or

• You must collect or pay any taxes arising from your use of the Services unless otherwise expressly set out in this Agreement.