Terms of Use

1. Introduction.  This Paperclip Terms of Use (this "Agreement") is provided by Gerald Technologies, Inc. ("Gerald," "we," "us" or "our"), and governs your use of our Paperclip App, browser extension, and Services. THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION THAT MAY BE ENFORCED BY THE PARTIES AND A WAIVER OF YOUR CLASS ACTION RIGHTS.
   
   Please read this Agreement carefully before using our services (the "Services") provided through our Paperclip App available in the Apple App Store and on Google Play or the Paperclip extension (the "App"). In the future, we may decide to make the Services available through the Paperclip Website located at www.hellopaperclip.com (the "Website"), in which case, if you access the Services through the Website, then all references to "App" in this Agreement include the Paperclip Website. This Agreement is between Gerald and you, the user. By installing, accessing or using the Services or the App and by accepting this Agreement electronically (for example, clicking “I Agree”), you agree to be bound by this Agreement, as this Agreement is updated from time to time by us. If you do not agree to this Agreement, then you may not use the Services or the App. Your use of the App is subject to the additional disclaimers and notices that may appear throughout the App.  
   
2. Enrollment for Gerald's Services - Membership
   In order to enroll for the Services, you will need to sign up for an account with Gerald on the Paperclip App. This process will include creation of a login ID and password to access the Services.   We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity, including, if requested, your name, address, date of birth, government issued identification, social security number and/or requiring you to take steps to confirm ownership of your email address and mobile phone number, or verifying information you provide against third party databases or through other sources. If you do not provide this information or Gerald cannot verify your identity, we can refuse to allow you to use the Services and the App. You will also need to provide information regarding an external bank account that you maintain (the "Funding Account") so that the account can be linked for purposes of paying Gerald's monthly membership fee and repayment of the Advances as described below.  You further represent that you are a legal owner of, and that you are authorized to provide us with, that information. If any of that information changes (including your e-mail address or mobile phone number), you will update that information on the App as soon as possible.  Should you believe or have reason to believe that any information you provide to us or your login credentials for your account with us has been compromised, or that another person is accessing your account through some other means, you agree to notify us as soon as possible at support@hellopaperclip.com.
   By enrolling in the Services or using the Paperclip App, you are considered a Paperclip member entitled to membership benefits based on your membership type.  Please go to https://www.hellopaperclip.com for details regarding the different membership types, which are subject to change.  Your Membership type determines the benefits you will receive.  For a list of the benefits associated with each membership type, please go to https://www.hellopaperclip.com.  Please note that the benefits are only those that are listed on the Website at any given time and are subject to change with or without notice.
   Any payments made to you by Gerald relating to the Services are contingent on your use of the Paperclip App.  If you stop using the Paperclip App during the thirty (30) day period after you sign up for the Paperclip App, you authorize Gerald to terminate payments from Gerald.  
3. Description of Gerald's Services 
   3.2 Piedmont Bank Account and Card; Functionality. Gerald has established a relationship with Piedmont Bank, Member FDIC ("Piedmont Bank"). When you enroll and are approved for Gerald's Services, you will also establish a bank account at Piedmont Bank (the "Account") and you will receive a MasterCard® virtual debit card issued by Piedmont Bank (the "Card"). The Account and the Card are provided and issued by Piedmont Bank and are described in more detail below. The terms and conditions applicable to your use of the Account and the Card are set forth in the [Account Agreement] between you and Piedmont Bank, which is available at [INSERT LINK] (the "Account Agreement"). Subject to the Account Agreement, you may use the App to access, use, and manage your Account to transfer funds between accounts at Piedmont Bank, transfer funds to or from accounts at other financial institutions, make bill payments, receive banking alerts, dispute transactions, communicate with us, and update your profile information.  This functionality necessarily involves electronically transmitting personal financial information across the networks of your wireless telecommunications provider. Because neither Piedmont Bank nor Gerald operates or controls those wireless networks, neither of us guarantees the privacy or security of wireless data transmissions. For mobile devices, the browser generally is pre-configured by your wireless telecommunications provider so you should understand their privacy and security practices.
   
   Bill Pay Tracking.  Gerald will track and manage your bill payments for biller accounts (such as utility companies, cell phone providers, etc.) that you connect on the App.  You will provide credentials to your billers, and through Gerald's integration and proprietary technology, Gerald will access your biller account to monitor due dates and payments, provide updates to you regarding upcoming payments, and update the biller's account with either your Account or Card information so that your household bill payments can be made.  
   You may direct Gerald to retrieve your bank account transaction history, balance information, and/or other information maintained by third-parties with which you have relationships, maintain accounts or engage in financial transactions (“Third-Party Account Information”). This may include information maintained by your depository institution. Gerald works with one or more third-party service providers to access this Third-Party Account Information. Gerald will analyze and monitor your Third-Party Account Information, and based upon analytics, Gerald will attempt to identify bill payments for biller accounts you have linked to your account with us. You authorize Gerald to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. You are responsible for keeping any passwords and usernames you provide to us so we can retrieve this Third-Party Account Information secure, and for keeping those passwords and usernames up-to-date in your account with us. With the exception of information related to your Card and Account, Gerald does not review the Third-Party Account Information for accuracy, legality or non-infringement, and Gerald is not responsible for your Third-Party Account Information or products and services offered by or on third-party sites. You acknowledge that any Third-Party Account Information that is displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity.  

We do not set the terms of any payment transaction between you and billers, endorse or have any liability for transactions between you and billers, or control or have any liability for returns, refunds, or other questions or disputes you may have with any biller related to any payment transaction. We are not responsible for any late payment on any of your bills or fees associated therewith. Your biller may charge you fees for payments made using certain modes of payments. We are not responsible for determining your mode of payment, and we are not responsible for those fees. Those fees remain your responsibility. 

3.3 Overdraft Feature of Account.  If you are eligible, you may pay your bills through the Account's overdraft feature, which is provided to you by Piedmont Bank and subject to the terms of the Account Agreement. To be eligible, you must have a history of at least 3 months of income deposited into the Funding Account, and your income must be enough to cover the expenses being linked. Additional eligibility requirements for the overdraft feature may be set forth in the Account Agreement or disclosed to you on the App.  

The overdraft feature enables you to pay for your household bills or products recommended to you through the App. As stated above, we will update your biller's account with either your Account or Card information and, if through the App you choose to use the overdraft feature to pay a household bill, the bill will be paid through an advance (each, an “Advance”) from Piedmont Bank. The Advance is an overdraft on your Account. The maximum amount of the outstanding Advances at any time will be displayed to you on the App. We reserve the right to decline a payment if we suspect fraud, illegal activity or other misuse of the Services.

In order to use the overdraft feature, on the App you will be required to select a repayment date for each Advance. You authorize Piedmont Bank (or Gerald on their behalf) to electronically initiate debits to your Funding Account on each repayment date. Piedmont Bank (or Gerald on their behalf) will debit your Funding Account on each repayment date for the Advance due on that date. You may choose to repay via one-time debit or enable ongoing automatic debits. If you select automatic debits, such ongoing automatic debits will continue as long as you receive Advances, until you change your payment settings, or until you otherwise revoke your debit authorization by e-mailing support@hellopaperclip.com. You agree to maintain a balance in your Funding Account that is sufficient to fund all payments made through Advances. Failed or rejected debits may be reinitiated up to 2 additional times after the first debit (for a total of 3 debit attempts).  If there is any missing or incorrect information regarding your Funding Account, then you authorize us to verify and correct such information. You represent that you are capable of saving or otherwise storing a copy of this electronic authorization for your records, and the transactions you request comply with the Nacha Rules, if applicable, and applicable law. You agree to indemnify and hold Gerald harmless from and against any loss incurred if any of the information relied upon in your request to stop payment is incorrect or incomplete. You must notify Gerald at least three (3) business days before the scheduled debit date in order to cancel this authorization. When you call or email, please include the name and telephone number associated with your account with us. Failure to provide correct and complete information may make it impossible for Gerald to stop withdrawal of the preauthorized transaction. If you have followed these instructions to notify Gerald of your desire to revoke your authorization at least three (3) business days before the scheduled debit date, Gerald will be liable for your losses or damages directly caused by our failure to stop any preauthorized transaction. If we do not receive notice at least three (3) business days before the scheduled debit date, we may attempt, in our sole discretion, to cancel the transaction. However, we assume no responsibility for our failure to do so.  

The Advances are not credit and are offered on a nonrecourse basis. Consequently, neither Piedmont Bank nor Gerald has any contractual or legal claim against you based on a failure to repay an Advance, and neither Piedmont Bank nor Gerald will engage in debt collection activities, place the amount advanced with or sell to a third party, or make any reports to credit reporting agencies regarding your unpaid balances. However, we reserve the right to deny you access to an Advance or Services until you have paid any outstanding Advances.

Gerald and Piedmont Bank are not responsible for any overdraft fees, over-the-limit fees, insufficient fund charges, or any other bank fees that result from your failure to maintain a sufficient balance in your Funding Account. Gerald monitors your balance in your Funding Account and will attempt to ensure you have sufficient funds before your Funding Account is debited, but Gerald and Piedmont Bank make no warranties that an overdraft will not occur. If we detect that your Funding Account may not contain sufficient funds, Piedmont Bank may avoid making a withdrawal from your Funding Account to repay Advances and we will notify you and may suspend or terminate your access to future Advances.

3.4 Early Access to Wages.  If you receive payroll direct deposits to your Account, you may use up to half of your next regular direct deposit amount to pay your household bills or the products recommended to you prior to the deposit being made to your Account, provided that you have earned that amount.  In our sole discretion, we may establish a maximum amount that will be made available to you through this early access feature, which maximum amount will be displayed to you on the App. Additional eligibility requirements for this early access feature may be set forth in the Account Agreement or disclosed to you on the App.  

3.45 Cash Back & Rewards. You may receive up to 0.25% in cash back when you pay certain household bills or other payments with your Card, such cash back payments to be made on an annual basis subject to your Aadvances being repaid to Gerald.  You agree that if you terminate your use of the Paperclip App, your right to receive cash back also terminates.  Gerald reserves the right to increase, decrease or waive this reward at any time or limit the types of household bills or other payments to which this reward applies. Additional requirements or information about the reward may be set forth in the App and in the Account Agreement. You can only redeem cash back and rewards via the bill pay feature. Cash back and rewards may be provided in the form of cash to your Account, or crypto or other investable assets, in our discretion.

3.65 Monthly Statements. A periodic statement is generated and made available to you on the App on the first day of each month, covering prior month Account activity. You will be able to download and print copies of the statements for your records. 

3.67 Personalized Products and Offers. Through the Service we may offer you personalized advertisements for products. We make money from third parties to sustain the Service when you purchase or engage with these offers. While we attempt to provide accurate descriptions for the products and other information shown within or through the Service, much of the information is provided by third-parties that we do not control. We do not warrant that the product descriptions or related merchant information or terms shown through the Service (including the browser extension, Website, Paperclip Mobile App or emailed offers) are accurate, complete, reliable, current, or error-free. The inclusion of any products within the Website or App at a particular time does not imply or warrant that these products will be available at any other time.

Offers are provided subject to availability. Exclusions, restrictions, and terms and conditions (including third-party merchant exclusions, restrictions, and terms and conditions) may apply. 

3.8 Chat Feature. You may communicate with us in a chat feature on the App. We also may suspend or terminate the chat feature at any time. If you use the chat feature, you are responsible for any legal liability arising out of your chats. Other parties transmit messages and content over various third-party networks and systems and we are not responsible for the confidentiality, privacy or data security of any of your information or data (including personal information) or under other confidentiality, privacy or data security laws, rules, regulations, guidelines or obligations related to your information or data if such information or data is provided to a network operator or other service provider upon which the provision of the chat feature is dependent.

3.9 Insights and Education.  The Services contain educational information about personal finance.  This information is intended for you to use in discussions with your personal financial advisor.  Gerald does not provide legal advice or investment advice on the Services. 

3.10 Password Manager. The Service will allow you to store and use passwords and other credentials to log in to other websites. 

4.03.11   What Gerald is Not. Gerald is not a money transmitter, lender, advisor, broker, credit repair company, or credit reporting agency.  Piedmont Bank (not Gerald) provides the Account, Card, and Advances to you, controls the funds in your Account, and effects the transfer of funds for your Account. We are not compensated by you or Piedmont Bank for Piedmont Bank for providing loans or credit to you. Our Services are not a replacement for professional advice or assistance regarding your finances. 

The Services Are Only Available Electronically

The Services are only available electronically. In order for you to receive the Services, you agree to receive all disclosures electronically pursuant to your Consent to Electronic Disclosures [INSERT LINK] which you previously agreed to when you opened your account and is available at [INSERT LINK]. If, for some reason, you cannot receive communications electronically in the future, we cannot provide the Services to you and you should close your account. 

Privacy Policy

In general, you can visit www.hellopaperclip.com without telling us who you are or revealing any information about yourself. However, when you use the App or our Services, or register for an account with us, we will collect personal information from you, including, if requested, your name, address, date of birth, government issued identification, social security number and/or requiring you to take steps to confirm ownership of your email address and phone number, or verifying information you provide against third party databases or through other sources. 

The personal information we collect may include the type of device in use, operating system, the device identifier, user's IP address, mobile network information, and standard web log information, such as your browser type, traffic to and from our App, the pages you accessed on our App, and other available information. We may also collect information about your use of our App.

By providing your personal information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in our Privacy Policy.  Click here - [INSERT LINK] for our Privacy Policy.  

Confidentiality of Your Account

If you use the Services or the App, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your access device (such as your mobile device or computer), and you agree to accept responsibility for all activities that occur under your account or password. If your status as a user of the Services or the App is terminated, you will (i) stop using the Services and the App and any information obtained from the Services and the App, and (ii) destroy all copies of your account information, password and any information obtained from the Services or the App.

If you become aware of any unauthorized use of your account, you agree to notify us immediately at the email address: support@hellopaperclip.com.  

Proprietary Rights

All materials on the Services and the App (as well as the organization and layout of the Services and the App) are owned and copyrighted, licensed by, or used with permission that is granted to Gerald. No reproduction, distribution, or transmission of the copyrighted materials in the Services and the App are permitted without the prior written permission of Gerald. 

Confidential Information

You agree that you will not disclose Confidential Information to any person and you will not use any Confidential Information except as necessary in connection with the Services and except as required by court order.  You will use at least the same degree of care in safeguarding the Confidential Information as you use in safeguarding your own confidential information, but in no event will you use less than ordinary care.  "Confidential Information" means all information or material which: (i) is obtained from password protected portions of the App, or (ii) which is (A) marked "Confidential," "Restricted,” or other similar marking, (B) known by you to be considered confidential, or (C) which should be known or understood to be confidential or proprietary by an individual exercising reasonable judgment.  

Eligibility

In order to use the Service or the App, you must be an individual of at least 18 years of age, reside in the United States, have a United States social security number, and have a mobile number with a United States-based mobile provider.  The Services and the App are controlled or operated (or both) from the United States and are not intended to subject us to any non-U.S. jurisdiction or law.  The Services and the App may not be appropriate or available for use in some non-U.S. jurisdictions.  Any use of the Services or the App is at your own risk. We may limit the Services or the App’s availability at any time, in whole or in part, to any person, geographic area, or jurisdiction that we choose. Your right to access and use the Services and the App is personal to you and is not transferable by you to any other person or entity.  You may not create more than one Paperclip account with Gerald. Each unique mobile device may not be associated with more than two one accounts with Gerald.

Personal and Noncommercial Use Limitation: Prohibited Uses

We grant you access to the App during the term of this Agreement solely to receive the Services.  You may access, download, and print materials as necessary to receive the Services. You may not license, copy, distribute, create derivative works from, frame in another Web page, use on any other website, or sell any information, databases, or lists obtained from the Services or the App.  You agree to provide true, accurate, and complete user information at all times, and to update such information upon our request. You will not access or attempt to access password protected, secure or non-public areas of the Services or the App, without our prior written permission.  You will comply with all privacy laws.  

The Services and the App are licensed (not sold) to end users. Subject to this Agreement, we grant to you a personal, non-exclusive, non-transferable, limited, and revocable license to access the Services and the App for your own personal use and not for any commercial or business purpose.

As a condition of your use of the Services or the App, you warrant to Gerald that you will not use the Services or the App for any purpose that is against the law or prohibited by this Agreement.  If you violate this Agreement, you may be prohibited from using the Services and the App. 

You may not without our prior written permission use any computer code, data mining software, "robot," "bot," "spider," "scraper," or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the Web pages, data, or content found on the Services or the App, or accessed through the Services or the App.  You may not republish Gerald content or other content from the Services or the App, on another website or app or use in-line or other linking to display such content without our permission.  You may not introduce viruses, spyware, or other malicious code to the Services or the App.  You represent and warrant that you use frequently updated, commercially standard virus protection software to ensure that the system you use to access the App is virus free.

You will not attempt to gain unauthorized access to any other user’s account. You will not modify or attempt to modify or in any way tamper with, circumvent, disable, damage or otherwise interfere with the Services. You will not modify, adapt, translate or create derivative works based upon the Services or any part thereof, except and only to the extent the foregoing restriction is expressly prohibited by applicable law, or copy, distribute, transfer, sell or license all or part of the Services. You will not use the Services to access, copy, transfer, retransmit or transcode information, Gerald logos, marks, names or designs or any other content in violation of any law or third party rights, or remove, obscure, or alter Gerald’s (or any third party’s) copyright notices, trademarks, or other proprietary rights notices affixed to or contained within or accessed through the Services.

You will not use the Service (including the chat feature) to transmit or disseminate any: junk mail, spam, or unsolicited material to persons who have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; material that infringes or violates any third party's intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its customers or subscribers; material or data that is illegal, harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or the transmission of material in which could diminish or harm our reputation or any third-party service providing SMS messaging services; material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco and vaping products), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; material that would expose us or any third-party service in providing the Service (including the chat feature) to liability; any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to our equipment or facilities or any third party; and any additional or supplementary content identified by us from time to time as being prohibited content.  

Third Party Product Terms

We may, from time-to-time and subject to this Agreement, make a third party's products and services available to you through the Services (the "Third Party Products").  The Services may provide Third Party Product listings, descriptions, and images of goods or services or related coupons or discounts, as well as references and links to such Third Party Product.  Third Party Products may be made available for any purpose, including general information purposes. We do not control or endorse, nor are we responsible for, any Third Party Product, including the accuracy, validity, timeliness, completeness, reliability, integrity, quality, legality, usefulness, or safety of any Product, or any intellectual property rights in any Third Party Product.  Nothing in this Agreement shall be deemed to be a representation or warranty by us with respect to any Third Party Product.  We have no obligation to monitor Third Party Products, and we may block or disable access to any Third Party Products through the Services at any time.  In addition, the availability of any Third Party Products through the Services does not imply our endorsement of, or our affiliation with, any provider of such Third Party Product, nor does such availability create any legal relationship between you and any such provider. In all cases any Third Party Product will be purchased directly from the third party and through the third party's website. You are not buying the product from or through Gerald.  If you are unhappy with your Third Party Product purchase, if you wish to return your Third Party Product, if you ordered a Third Party Product and it has not arrived, or if you have another customer service inquiry regarding your purchased Third Party Product, you will need to contact the third-party merchant from whom you purchased the product. Gerald is not involved in your Third Party Product purchase and is not able to assist with any customer service inquiries or returns related to that purchase. YOUR USE OR PURCHASE OF ANY THIRD PARTY PRODUCT IS AT YOUR OWN RISK AND IS SUBJECT TO ANY ADDITIONAL TERMS, CONDITIONS AND POLICIES APPLICABLE TO SUCH THIRD PARTY PRODUCT (SUCH AS TERMS OF SERVICE OR PRIVACY POLICIES OF THE PROVIDERS OF SUCH THIRD PARTY PRODUCTS). 

Disclaimer of Warranties 

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND THE APP IS AT YOUR SOLE RISK.  THE SERVICES AND THE APP ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.  GERALD EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. 

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE APP IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

Your access and use of the Services and the App may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Services or the App or other actions that Gerald, in its sole discretion, may elect to take. In no event will Gerald be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime.

Your sole and exclusive remedy for any failure or non-performance of the Services, including any associated software or other materials supplied in connection with such Services, shall be for Gerald to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable Services.

You understand and agree that any notifications provided to you through the Services may be delayed or prevented by a variety of factors. We do our best to provide notifications in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any notification. You also agree that Gerald will not be liable for any delays, failure to deliver, or misdirected delivery of any notification; for any errors in the content of a notification; or for any actions taken or not taken by you or any third-party in reliance on a notification.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT GERALD SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICES OR THE APP; (ii) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES OR THE APP AT ANY TIME OR FROM ANY LOCATION; (iii) THE COST OF SUBSTITUTE SERVICES RESULTING FROM ANY DATA, INFORMATION, OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICES OR ON THE APP; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE APP; OR (vi) ANY OTHER MATTER RELATING TO SERVICES OR THE APP.  IN NO EVENT WILL OUR MAXIMUM LIABILITY TO YOU EXCEED THE AMOUNT OF MEMBERSHIP FEES YOU HAVE PAID TO GERALD IN THE TWELVE MONTH PERIOD PRECEDING THE EVENT GIVING RISE TO THE APPLICABLE CLAIM$100.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF WARRANTIES OR LIABILITY MAY NOT APPLY TO YOU.

Links to Third Party Sites

The App may contain hyperlinks to websites or applications operated by parties other than Gerald.  Such hyperlinks are provided for your reference only.  We do not control such websites or applications and are not responsible for their content.  Your access to and use of such websites or applications, including information, material, products and services on such websites or applications, is solely at your own risk.  Furthermore, because our Privacy Policy is applicable only when you are on the App, once linked to another website or application, you should read that site’s privacy policy before disclosing any personal information.

Linked Accounts

When you establish an account on Paperclip, we may allow you to register your account, log-in, or otherwise link your Gerald account with an account you maintain with a third-party, such as Facebook® or Google® ("Linked Account"). You represent that any Linked Account belongs to you and you are permitted to link it to your Paperclip account. Gerald does not control the policies and practices of any third-party site or service, including any Linked Account you connect to the Service and Gerald is not responsible for any actions or omissions of providers of a Linked Account, including related to accuracy, legality or non-infringement. Gerald is not responsible for the products and services offered by or through your Linked Account. If permitted by your Linked Account, Gerald may import information from your Linked Accounts to help better offer the Service to you.

Use of Submissions

Should you respond with information including feedback or data such as questions, comments, suggestions, or the like regarding the content of the Services or the App, such information will be deemed to be non-confidential. We will have no obligation of any kind with respect to such information and will be free to reproduce, use, disclose, and distribute the information to others without limitation. We will be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including but not limited to developing, manufacturing, and marketing products incorporating such information.

Gerald may make available to users of the Website e-mail notices, newsletters, chat rooms, community forums, online chat interactive features, message boards, bulletin board services, user product reviews and ratings features and tools, and other facilities or means by which users can interact with, submit content to, and otherwise communicate with the Website (the foregoing collectively referred to herein as the "Site Tools").  The Site Tools include certain features and tools that allow users of the Website to submit reviews and ratings of products (collectively, "Reviews") and/or read reviews and ratings of products submitted by other Website users (“Review Tools”).  You are solely responsible for the content of any transmissions you make using any Site Tool or otherwise to the Website, including without limitation any Review, rating, test result, story, anecdote, background, experience, question, suggestion, recommendation or other communication submitted using any Site Tool  (collectively, "Communications"). Gerald is not responsible for any statements, representations, descriptions, comments, or opinions in Communications transmitted using any Site Tool or otherwise posted on the Website, including without limitation any errors or omissions in any Review, or any loss or damage of any kind incurred as a result of the use of the Review Tool or the use of any content posted in a Review. Gerald cannot review all Communications made on or through the Website. Gerald and its Affiliates do not endorse or accept any Communications as their own or representative of their views.

System Outages, Slowdowns, Capacity Limitations, and Updates

Any computer system, service or electronic device, whether it is yours, an internet service provider’s, a mobile network operator’s or ours, can experience unanticipated outages, slowdowns and/or capacity limitations.  As a result of high internet traffic volume, transmission problems, systems capacity limitations, and other problems, you may, at times, experience difficulty accessing the Services or the App, or communicating with us through the internet or other electronic and wireless services.  The Service and the App may be unavailable during system maintenance, for security precautions or when interrupted by circumstances beyond our control.

We may update the software and applications running the App at any time and your continued use of the Services constitutes your acceptance of any upgrades to the software and applications. We will not be responsible for the loss of any personal settings, dropped connections, disabled features, disabled or suspended alert messages, or service interruptions resulting from an upgrade, maintenance or any reason. It is your responsibility to review your Accounts to confirm the balance and the status of all transactions.

Operation of Mobile Device

We do not represent or warrant the performance or operation of any mobile device. You select a mobile device and any issues relating to the operation, performance, and costs associated with the device are among you, your wireless telecommunications provider, and the person or entity who sold or provided you with the device.

Your wireless telecommunications provider for your mobile device and other third-party service providers that you use may charge fees, including fees for data storage, to transmit data between your mobile device and the Mobile Banking Services applications and browsers, and roaming.

1. Accessibility

We are committed to making the Services and the App accessible to our customers and the public, including individuals with disabilities.  Please direct accessibility-related inquiries to our Americans with Disabilities Act (”ADA”) coordinator by email at support@hellopaperclip.com to learn more about our accessibility support services.  We use reasonable efforts to comply with WCAG 2.0 standards. 

1. Communication

When you provide your mobile phone number, we may ask for your consent to receive text messages relating to our Services at that number, in accordance with applicable law. You may withdraw your consent by contacting us or by replying with "STOP" to any text message we send you. Please note that if you withdraw your consent to receive text messages from us, you may not be able to use some or all of our Services. Your mobile carrier's standard text message and data charges may apply to text messages you receive from us, and you are responsible for any fees charged by your mobile carrier if we contact you. You agree to receive push notifications from us. You can opt out of receiving push notifications through your device settings. Please note that opting out of receiving push notifications may impact your use of the Services.

1. Changes to the Services, App and Agreement

We may make improvements or changes in the information, services, products, and other materials through the Services or on the App, or terminate the Services and/or the App at any time. We may modify this Agreement at any time, and such modifications will be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of the Services or the App will be deemed your acceptance of the modified Agreement.

1. Termination

This Agreement will continue to apply until terminated by either you or us. If you desire to terminate this Agreement and delete your account, contact us at support@joingerald.com, and your account will be closed after thirty (30) days, subject to withdrawal of any paymentsyour payment of any amounts owed to Gerald and Piedmont Bank, and your ability to log in will be deactivated immediately. You may not delete your account if you still owe us or Piedmont Bank for any Advance, payment or fee. To remove Gerald from your mobile devices, delete the App. However, deleting the App will not delete your Gerald account, it will only delete the data from the device. Therefore, in order to close your account for the Services, follow the instructions above for deleting your account with us. We may terminate this Agreement and your access to the Services and the App at any time, for any reason or no reason, upon notice to you, to the e-mail address provided by you as part of your enrollment for your account with us.  Even if terminated, you remain responsible for any amounts then owing to us and Piedmont Bank. You acknowledge and agree that Gerald may immediately deactivate or delete your account and all related information and files in your account and/or prohibit any further access to all files and the Services by you. Further, you agree that Gerald shall not be liable to you or any third party for any termination of your access to the Services or the App.

1. Arbitration Provision

This Arbitration Provision sets forth the circumstances and procedures under which Claims (as defined below) may be arbitrated instead of litigated in court.  

You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the opening of your Account (an Account is considered opened on the date you first deposit funds into the Account) at the following address:

Gerald Technologies, Inc.

245 8th Ave, #1085

New York NY, 10011

Your written notice must include your name, address, Account number, Card number, or social security number, and a statement that you wish to opt out of this Arbitration Provision.

As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and us arising from or relating to the App, the Services, or this Agreement, including the validity, enforceability or scope of this Arbitration Provision or this Agreement. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, without limitation, any claim, dispute or controversy that arises from or relates to (i) use of the App, (ii) our provision and your receipt of the Services, (iii) advertisements, promotions or oral or written statements related to the App or the Services; (iv) the benefits and services related to the App or the Services; and (iv) your enrollment for the App and the Services. As used in the Arbitration Provision, the terms "we" and "us" shall for all purposes mean the Gerald Inc., and its affiliates, successors, and assigns, and all of their respective agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party providing any product, service or benefit in connection with the App or the Services (including, but not limited to, third parties who provide services, and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. 

IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS OR AAA, AS APPLICABLE (THE "CODE"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other cardholders or other persons similarly situated. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.  We shall not elect to use arbitration under this Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court.  

Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either the Judicial Arbitration and Mediation Services ("JAMS") or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed above to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.

This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding. 

Any arbitration hearing that you attend shall take place in the federal judicial district of your primary residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision shall survive termination of this Agreement or your account, as well as voluntary payment of any debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision or this Agreement, each of which shall be enforceable regardless of such invalidity.

1.  Infringement Claims/Copyright Agent 

If you believe that any material contained on the website infringes your copyright or other intellectual property rights, you should notify Gerald of your copyright infringement claim in accordance with the following procedure.  Gerald will process notices of alleged infringement which it receives and will take appropriate action as required by the Digital Millennium Copyright Act (DMCA) and other applicable intellectual property laws.  The DMCA requires that notifications of claimed copyright infringement should be sent to this website's Designated Agent who is: 

By mail: DMCA Copyright Agent c/o Gerald Technologies, Inc.

245 8th Avenue, #1085

New York, NY 10011

By phone: (xxx) xxx-xxxx

By email: DMCAcopyrightagent@hellopaperclip.com

To be effective, the notification must be in writing and contain the following information (DMCA, 17 U.S.C. §512(c)(3)): 

• Physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; 
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; 
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material; 
• Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted; 
• A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.  
• Emails sent to DMCAcopyrightagent@hellopaperclip.com for purposes other than communication about copyright claims may not be acknowledged or responded to.

We will, in appropriate circumstances, terminate repeat infringers.  If you believe that an account holder or subscriber is a repeat infringer, please follow the instructions above to contact Gerald and provide information sufficient for us to verify that the account holder or subscriber is a repeat infringer.

1. Miscellaneous

The App is intended to and directed to residents of the United States and all advertising claims contained on the App are valid only in the United States.  This Agreement and the resolution of any dispute related to this Agreement, the Services or the App will be governed by and construed in accordance with the laws of Delaware, without giving effect to any principles of conflicts of law.  Failure by Gerald to insist upon strict enforcement of any provision of this Agreement will not be construed as a waiver of any provision or right.  You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or the App or this Agreement must be filed as provided above in the Arbitration Provision within one (1) year after such claim or cause of action arose or be forever barred.  If any of these terms will be deemed invalid, void, or for any reason unenforceable, that term will be deemed severable and will not affect the validity and enforceability of any remaining term.  You may have greater rights, or some of the provisions may be prohibited, by virtue of state or federal consumer protection laws.  In such a case, to such extent, the subject provisions shall not apply to you.  Gerald may collect applicable sales and/or use tax on sales of the Services and remit those taxes to the appropriate state or local jurisdiction.  Gerald may also collect simplified sellers' use tax on taxable transactions delivered in certain states and remit those to on your behalf to the taxing authority of the applicable state. 

Gerald, Paperclip, and other logos, product, and service names are trademarks and service marks owned by or licensed to Gerald or its affiliates (the "Marks").  Without the prior written permission of Gerald, or its appropriate affiliates, you agree not to display or use in any manner, the Marks. 

All other trademarks are the property of their respective owners.

© Copyright 2021 Gerald Technologies, Inc.  All rights reserved.