Pivot Card | Disclosures

This policy is effective as of and was last updated April; 2024

Pivot Card App Terms of Use

Mobile applications and websites (the “App”) provide Debit, Credit or Prepaid Card (“Card”) management tools that enable you to track the use of your Card products for Cards issued through sponsoring bank partners and managed within the Pivot Card systems and services. Card management tools may be offered directly by us, and, we provide oversight to, Channel Partners, Affiliates or Agents utilizing systems and services to offer branded Card management tools.

These Terms of Use (“TOU”) and the Pivot Card Privacy Policy (the “Privacy Policy” and, together with these TOU, these “Terms”) are a legal agreement between you and Spring Card Systems, LLC d/b/a Pivot Card (“Pivot Card”, “Spring Card” or “Us”). BY REGISTERING FOR THE APP, WHICH INCLUDES CLICKING TO ACCEPT THESE TERMS AND/OR INSTALLING THE APP ON YOUR MOBILE DEVICE OR UTILIZING THE WEBSITE YOU AGREE TO ALL OF THE TERMS AND CONDITIONS IN THESE TERMS, AND ALL OTHER RULES, POLICIES, AND PROCEDURES RELATING TO THE APP THAT MAY PROVIDE YOU FROM TIME TO TIME.

“You” (and all of its derivations) means you individually and any person acting as your agent, under your authority, or with your permission, and, if you are accepting these Terms on behalf of a company or other legal entity, then that legal entity. You represent and warrant that you are: (a) at least 18 years of age (or the minimum age in your jurisdiction for entering into a binding contract), (b) capable of entering into a legally binding agreement, and (c) a legal resident of the United States. If you are entering into these Terms on behalf of a company or other legal entity, you further represent and warrant that: (i) you have the authority to bind the legal entity, (ii) such legal entity is authorized to conduct business in the jurisdiction(s) in which you operate, and (iii) all employees, officers, agents, and other representatives of the legal entity who use the App are duly authorized to access and use it. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT REGISTER TO USE THE APP AND MAY NOT USE THE APP.

...

Continue Reading Pivot Terms of Use

Customer Service Contact Information:

Mailing Address: Card Services

PO Box 132639- Dallas, Texas 75313

Phone Number: 1-866-233-3658

Website: www.pivotcard.com

‍

Please read this carefully and retain it for future reference. This Pivot Card Account Agreement (the "Agreement")is revised periodically, so it may include changes from earlier versions. This Agreement contains an arbitration Provision setting forth the rules for dispute resolution with us; Please see item 24 Governing Law in the Bangor Deposit account agreement. By providing an electronic signature or continuing to hold an account with us, you agree to the most recent version of this Agreement, which is available to you atwww.pivotcard.com, or by calling us at the number listed above in the section titled “Customer Service Contact Information.” This Agreement outlines the terms and conditions related to the demand deposit account ("Account") available from Bangor Savings Bank, Member of the Federal Deposit Insurance Corporation ("FDIC"), (the "Bank" or "Issuer") on behalf of Pivot ("Bangor Savings Bank"),the program partner responsible for managing the Account. "We", "our", and "us" refer to the Bank, our successors, affiliates, or assignees. "You" and "your" refer to theowner of the Account. The Account is offered by us and Bank Partner as an alternative to a traditional checking account. It is a checkless banking account with a monthly maintenance fee, and no checks. Deposits, withdrawals, and payments can be made similar to other deposit accounts. Deposits can be made via direct deposit and cash deposits via third party money transfer services. Cash withdrawals can be made at an ATM (see the section titled ATM or POS cash withdrawals, below, for more information). Payments can be made with your debit card, or by setting up an Automated Clearinghouse (ACH) transfer.

Agreement to Terms. By opening or maintaining an Account, you agree to be bound by the terms and conditions contained in this Agreement. This Agreement includes the following disclosures 1) the Funds Availability Policy; 2) the Fee Schedule, and 3) any additional disclosures regarding Your Account and/or related features or services that the Bank may provide to you from time to time. We may close the Account at any time, with or without cause (see the section titled “Account Closure,” below, for more information).

‍

...

Continue Reading Debit Card Agreement