GravyStack, Inc. TERMS OF SERVICE
Welcome to GravyStack
These Terms of Service (“Terms”) between GravyStack, Inc., its subsidiaries, affiliates, agents, service providers, and assigns (“GravyStack, Inc.”, “us”, “we”, or “our”) and you (“you”, or “your”), the end user of our Platform, website (www.gravystack.com) (“Website”) and mobile application (“Application”), govern our use of our services, products, features, function, technologies, and content we may offer through our Website and Application, which we refer to collectively as our “Services”. These Terms are a legally binding agreement between you and GravyStack, Inc.
We reserve the right to make modifications to these Terms of Service at any time and for any reason. If we do this, we will post the changes on this page and will indicate at the top of this page the date these Terms were last revised. Any changes will become effective when posted. Your continued use of our Services after changes are posted constitutes your acceptance of the new terms. In the event that a change to our Terms of Service will result in an increase of fees, an increase of liability to our users, fewer types of electronic funds transfers or stricter limitations on the frequency or dollar amount of transfers, you will be notified via email 21 days before the effective date.
PLEASE READ THESE TERMS CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTIONS) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST GravyStack, Inc. ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO SEE RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.
We have partnered with Lineage Bank, a Federal Deposit Insurance Corporation-insured depository institution, to provide the Services. GravyStack, Inc. does not hold funds; any funds that are added to your GravyStack, Inc. Account (Described below) are solely held by Lineage Bank. When a Parent signs up for a GravyStack, Inc. Account with us, he or she agrees to the GravyStack, Inc. Account Agreement and Lineage Bank Privacy Policy and Privacy Notice through this agreement as a condition to creating a GravyStack, Inc. Account. If there is a conflict between the provisions in these Terms and the GravyStack, Inc. Account Agreement, the provisions in these Terms will control only to the extent of the conflict.
You authorize us to share any of your information with Lineage Bank. It is your responsibility to make sure the data you provided us is accurate and complete.
GravyStack, Inc. will provide you with any and all notifications as well as all customer support related to your Account. Please contact us if you have any questions at help@gravystack.com
In addition, when using our Services, you will be subject to any additional terms applicable to our Services, including our Privacy Policy that apply to GravyStack, Inc. Account customers. All such terms are incorporated by reference into these Terms.
For the purpose of these Terms, our business days are Monday through Friday, excluding Federal Holidays.
1. Communications
When you sign-up for a GravyStack, Inc. Account, we will request your mobile telephone number. We request this information in order to send you security confirmation text messages and information about your account and our services. By clicking or tapping to indicate that you agree, you are telling GravyStack, Inc. that you consent and agree to accept and receive communications from us, including via email, text message, calls and push notification to the mobile telephone number you provided us. As part of this consent, GravyStack, Inc., or someone on our behalf, may send you communications generated by automatic telephone dialing systems and/or deliver pre-recorded messages that include (i) security confirmation messages; (ii) communication about your account (such as transfers you requested or received), (iii) communications about use and updates to the Services, and (iv) other information concerning your GravyStack, Inc. Account and the Services. GravyStack, Inc. does not charge you when we communicate with you via text message, but your phone carrier will apply standard text messaging charges and data rates.
You consent to being contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any purpose, at any telephone number, or physical or electronic address you provide or at which you may be reached.
2. Use of Services; Authorized Users
You can sign up for GravyStack, Inc. Account only if you are 18 years of age or older and can lawfully enter into and legally binding contracts. You may be permitted to add one or more persons to use our Services through your GravyStack, Inc. Account (each, an “Authorized User”). You agree to provide us any information we request about an Authorized Users may include your minor child(ren). Any minor who uses our Services must do so only as authorized by their parent or legal guardian, who must themselves be a majority age. You acknowledge that these Terms will apply to you and each Authorized User, and you accept these terms on behalf of yourself and each Authorized User.
You further agree to and accept full responsibility for any Authorized User’s use of our services, including (A) any transactions made by an Authorized Users; (B) any transactions made by an Authorized User even if the post data shown on your statement for that transaction occurs after the date you ask us to remove Authorized User from your GravyStack, Inc. Account, (C ) an transactions made by others if an Authorized User allows them to use your GravyStack, Inc. Account; (D) fees and charges resulting from any transaction made by an Authorized User or others if an Authorized User allows them to use your GravyStack, Inc. Account; and (E) any other financial charges and legal liability that an Authorized User may incur in connection with the Authorized User’s use of your GravyStack, Inc. Account. You allow us to discuss your GravyStack, Inc. Account with any Authorized User to allow us to share information about him or her. This includes information we may get from you, any Authorized User, and information about the Authorized User’s transactions and use of our Services. We may suspend or terminate any Authorized User at any time and for any reason.
3. Services Description
Through your use of our Website and Application, you may create a GravyStack, Inc. account (“GravyStack, Inc. Account'') that allows you to manage our Services and other products and services third parties may provide to you, including payments functionality.
Users: GravyStack, Inc. Accounts are shared by a group of users (a “Circle”), each of whom falls into one of three categories:
● Parent. The “Parent” is the user who creates the Circle and opens the account with GravyStack, Inc. (and subsequently with Lineage Bank). The Parent can fund the primary GravyStack, Inc. account (the “Parent Account”) via automated clearinghouse (“ACH”) transfers the Parent initiates from an externally linked bank account (“Funding Account”).
● Children. Upon creation of a GravyStack account, 3 additional accounts (defined as the “Save Jar”, “Spend Jar” and “Share Jar”) will be created for each Child the Parent enrolls, each of which is a sub account of the “Parent Account,” as well as a debit card. Debit cards are issued by Lineage Bank.
● Circle Member. A Child or Parent can invite “Circle Members” to a Family. Circle Members are not Authorized Users and can only add money from an external to a Parent or Child’s accounts. Circle Members will have no visibility or access to the Parent or Child accounts.
Save, Spend and Share Jars. “Save Jar”, “Spend Jar” and “Share Jar” are sub-accounts of the Parent Account that are assigned to each Child. Parents and Circle Members can add funds to Save, Spend and Share Jars on a one-time or recurring basis, as well as on the occurrence of specific events that can be tracked in the Application , for example, by completing “Challenges” that the Parent defines or approves. With Parent approval, Children can transfer funds between their own Save, Spend and Share Jars and can also transfer funds to the Parent Account. A Child’s personal information, including but not limited to established spending parameters, pending transactions, approved purchases, and transaction history will be shared with the Parent.
Challenges, Save and Share Goals. Parents can create and approve completion of tasks in the Application. Children can indicate task completion in the Application. Circle Members can also create and fund Challenges for Children, and Children can create and close savings goals for themselves.
The Services are meant to assist you in managing the savings, spending and sharing activities of the Child or Children and are not intended to provide legal, tax or financial advice. We reserve the right at any time to add, change, suspend or discontinue any of our Services, change the fees charged in connection with our Services, or close your GravyStack, Inc. Account, with or without notice to you. However, we will always notify you when the law requires us to update you regarding any changes. We are not responsible for products or services that are provided by any third party.
4. Transaction Limitations
For your protection, we do have several limits in place. Our current limits are:
$500 Daily load limit into your GravyStack account for debit card funding or ACH.
$2,000 Monthly load limit into your GravyStack account for debit card funding or ACH.
$2,000 daily spending limit.
Gravystack reserves the right to cancel or suspend transactions due to fraud or compliance related concerns.
5. Third-Party Providers
We use third parties to gather and verify information about your financial accounts, including obtaining your authority and right to access these accounts, as well as manage and initiate transactions involving your accounts. You agree to provide true, accurate, complete and current information about yourself and your accounts. You authorize us and these third parties to access the website and sources of your financial accounts, on your behalf, and to gather information about you. You agree to the transfer, storage, and processing of your information by these third parties in accordance with their respective privacy policies. You give us and these third parties a limited power of attorney and appoints us and these third parties as your true and lawful attorney-in-fact and agent with full power of substitution and resubstitution for you and in our name and place, in any capacity, to access third-party websites and sources, servers or documents, retrieve information, and use this information, with full power and authority, to do anything with the information in in connection with our Services. You License to us and these third parties any information, data, passwords, material, or other content gathered. You agree that we and these third parties may use, modify, display, and distribute this content, create new material with it, and so the same with any new material. You understand and agree that our Services are not endorsed or sponsored by these third parties and that these third parties are third-party beneficiaries of these Terms with respect to the services provided by these third parties. One such third party is Plaid Technologies and its privacy policy is available at *insert link*.
6. Lost or Stolen Credentials
IF YOU BELIEVE YOUR USER NAME, PASSWORD, OR OTHER SECURITY CREDENTIALS HAS BEEN LOST OR STOLEN, OR AN ACH HAS BEEN MADE WITHOUT YOUR PERMISSION, NOTIFY US AT ONCE BY EMAILING US AT help@gravystack.com
7. Transaction History
You will be able to see your transaction history on your GravyStack, Inc. Account through our Website or Application. If you have any questions about these transactions, contact us at help@gravystack.com
8. Safety
For your safety, and for the safety of all of our customers, we require you to agree to the following:
â—Ź You will not violate any law;
â—Ź You will not infringe on our intellectual property rights or rights of publicity or privacy;
â—Ź You will cooperate in any investigation we deem necessary and you will provide confirmation of your identity or any information you give to us;
â—Ź You will not act in any way that is defamatory, trade libelous, unlawfully threatening or harassing;
â—Ź You will not use an anonymizing proxy;
â—Ź You will not attempt to use our Services by fraudulent, unlawful or inappropriate means of any kind, including the use of a bank account to which you do not have legitimate access;
â—Ź You will not use any automatic device or manual process to monitor or copy our Website;
â—Ź You will not control or access an account at a financial institution that directly or indirectly has engaged in any of these restricted activities;
â—Ź You will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure;
â—Ź You will not facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information;
â—Ź You will not use any device, software or routine to interfere or attempt to interfere with our Services;
â—Ź You will not take any action that may cause us to lose any of our services from our Internet service providers, payment processors, or other suppliers.
We also urge you to think carefully before sending funds to an unknown person.
9. Account Security and Responsibility
Any activity on your GravyStack Account is your responsibility. We recommend choosing a strong password that you do not use elsewhere. For security reasons, we require you to agree to the following:
â—Ź You will not create a GravyStack Account using fake information;
â—Ź You will not create another GravyStack Account after we have suspended or otherwise limited access to an existing GravyStack Account of yours, unless we give you written permission to do so;
â—Ź You will not buy, sell, rent, or lease access to your GravyStack Account;
â—Ź You will not share your username, password or other security credentials;
â—Ź You will keep your contact information complete and accurate at all times.
10. Termination
We may terminate, suspend or limit these Terms with you at any time, for any reason, and without advance notice. This means we can stop providing you with any Services, or impose new or additional limits without notifying you. However, we will always notify you when the law requires us to update you regarding any changes. The following sections of these Terms will survive any termination, suspension or expirations of these Terms: Sections 10 and 12-22.
11. Privacy and Data Security
The privacy of your information is important to us. Our Privacy Policy explains in detail how we manage your information when you use our Services. Please review the Privacy Policy closely, because you must agree to the policy before using our Services.
We and our third-party service providers may use your data, including your financial information, to improve our Services. We and our third-party service providers may use anonymous, aggregate financial information to perform analytical research, engage in performance tracking or benchmarking, or to publish, distribute, or license the aggregate, anonymous research data for any purpose.
We protect your sensitive data according to an internal information security policy and program, and as required by law. Despite our best efforts, you understand that transmissions on the Internet and electronic storage cannot always be secure.
You are responsible for safeguarding your username, password, and other security credentials used to access our Services. If you do not safeguard your login information, you will be responsible, within any limits imposed by law, for any loss associated with unauthorized use of your GravyStack Account.
12. Dispute Resolution
12.1. Governing Law
These Terms will be governed according to the laws of the Commonwealth of Delaware, and all activities performed in connection with our Services will be deemed to have been performed in Delaware. Any controversy, dispute, or claim arising our of our relating to our Services or these terms will be governed by and construed in accordance with the laws of the Commonwealth of Delaware, except the provisions concerning conflicts of law.
12.2. Disputes
If a dispute arises between you and us, our goal is to learn about and address your concerns, so please send us a message at help@gravystack.com. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly.
12.3. Arbitration
THIS SECTION AFFECTS YOUR RIGHTS. PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS.
To resolve disputes in the most expedient and cost effective manner, you and GravyStack, Inc. agree that any dispute arising in connection with our Services will be resolved by binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief on an individual basis that a court can award.
Our agreement to arbitrate disputes includes all claims arising out of or relating to any aspects of our Services, whether based in equity, contract, tort, statute, fraud, misrepresentation or any other legal theory, and regardless of whether the claims arise during or after the termination of our Services. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of these Terms.
YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND GRAVYSTACK, INC. ARE EACH WAIVING THE RIGHT TO THE TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION.
We both agree that nothing in these Terms will be deemed to waive, prelude, or otherwise limit either of our right to (a) bring an individual action in small claims court, or (b) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available.
Any arbitration between you and GravyStack, Inc. will be governed by the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Consumer Arbitration Rules (collectively, the “AAA Rules”), as modified by these Terms. For information on the AAA, please visit its website, http://www.adr.org. Your arbitration filing fees will be governed by the AAA Rules. If it is determined by the arbitrator that you cannot afford such fees, GravyStack will pay all arbitration fees and expenses. If there is any inconsistency between any terms of the AAA Rules and these Terms, these Terms will control.
Any arbitration hearings will take place at a location to be agreed upon in Dover, Delaware. You or GravyStack may choose whether the arbitration will be conducted (i) solely on the basis of a document submitted to the arbitrator, (ii) through a nonappearance based telephonic hearing; or (iii) by an in-person hearing as established by the AAA Rules. All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of both you and us.
YOU AND GRAVYSTACK, INC. AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
You agree that the enforceability of these arbitration provisions will be determined by the arbitrator as provided in the AAA Rules. You agree that the arbitration provisions of these Terms in effect at the time of demand or action, and not the time of your or our alleged injury, will be provisions that will be applied by the arbitrator or a court.
12.4. Forum for Disputes
Except as otherwise agreed by the parties in Section 19.3, you agree that any claims that you have against GravyStack, Inc. must be resolved by a court located in Kent County in the Commonwealth of Delaware. You agree to submit to the personal jurisdiction of the court located in Kent County, for the purpose of litigating any claim.
13. Disclaimer of Warranties
OUR SERVICES AND RELATED SOFTWARE ARE PROVIDED ON AS “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE AND OUR EMPLOYEES, CONTRACTORS, AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES OR ANY KIND AS TO OUR SERVICES AND ALL INFORMATION INCLUDED IN OR ACCESSIBLE FROM OUR SERVICES, WHETHER EXPRESS OR IMPLIES, INCLUDING WARRANTIES OR TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We make reasonable efforts to make our Services available, but we make no representations or warranties regarding our Services, including the time needed to complete transaction processing because our Services are dependent on many factors outside our control. We do not have control over merchants’ delivery of goods or services paid for using our Services and cannot ensure merchants will deliver goods or services or the quality of goods or services. Some jurisdictions do not allow the disclaimer of implied warranties, so this disclaimer may not apply to you.
14. Indemnity
YOU AGREE TO INDEMNIFY AND HOLD HARMLESS GRAVYSTACK, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS AND REPRESENTATIVES FROM ANY AND ALL CLAIMS, ACTIONS, PROCEEDINGS, LOSSES, LIABILITIES, DAMAGES, SETTLEMENTS, PENALTIES, FINES, EXPENSES AND COSTS (INCLUDING REASONABLE ATTORNEY’S FEES) CAUSED BY, ARISING FROM OR RELATING TO YOUR USE OF OUR SERVICES.
15. Setoff
If you owe us any amount, you give us a security interest in your GravyStack, Inc. Account and your funds held in any pooled account. You also give us the right, to the extent not prohibited by applicable law, to set off against your funds to pay the amount owed to us. You agree that the security interest you have given us is consensual and is in addition to our right to set off. If we exercise our right to set off, we will notify you to the extent required by applicable law.
16. Limitation of Liability
YOU AGREE THAT ACCESS TO AND USE OF OUR SERVICES IS AT YOUR OWN RISK. EXCEPT AS REQUIRED BY APPLICABLE LAW, YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY HARMS RELATED TO OUR SERVICES. WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH HARMS. OUR MAXIMUM LIABILITY FOR ALL CLAIMS, ACTIONS, PROCEEDINGS, LOSSES, LIABILITIES, DAMAGES, SETTLEMENTS, PENALTIES, FINES, EXPENSES AND COSTS, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, WILL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO US TO ACCESS AND USE OUR SERVICES OR $100, WHICHEVER IS GREATER.
Some jurisdictions do not allow for the exclusion or limitation of liability for consequential or incidental damages, in which case, this limitation may not apply to you.
17. Intellectual Property
We own all right, title and interest in our Services and associated software and technology. This means that everything on our Website and Application (for example, text, graphics, links, logos, images) is our intellectual property. You agree not to use our intellectual property for any purpose.
The technology and software underlying our Services or distributed in connection with our Services are the property of GravyStack, Inc. and its affiliates (the “Software”). Subject to the terms and conditions of these Terms, GravyStack, Inc. grants you a non-transferable, non-sublicensable, non-exclusive, nd revocable right and license to use the object code of any Software on your device(s) solely to use our Services as intended, provided that you agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly given in this Section are reserved by GravyStack, Inc.
18. No Waiver
If we do not enforce any provision in these Terms, it will not be considered a waiver.
19. Severability
If any provision of these terms is found unenforceable, then that provision will be severed from these Terms and not affect the validity and enforceability of any remaining provisions
20. Invalidated Provisions
If an arbitrator or court finds any provision to be invalid, you and we agree that the arbitrator or court should give valid effect to the intention of that provision, and that the remainder of the Terms remain in full force and effect.
21. Entire Agreement
These Terms, our Privacy Policy and any additional terms referenced in these Terms make up the entire agreement between you and us, and supersede any prior agreements.
22. Reservation of Rights
We reserve all rights not expressly granted to you.
23. Contact Information
GravyStack, Inc. wants to hear your comments, concerns, suggestions, or questions. Send us a message at help@gravystack.com or through our Application.
24. GravyStack, Inc Pricing Disclosures
The listed fees may or may not be applicable to all account types. Some of these fees may be waived under certain conditions.
Account or Service Fees Fee Amount Frequency
User Subscription $7.00 Monthly
Challenge Fee $0.49 Per occurrence Account Closure $5.00 Per account
Cash Management Fee Amount Frequency
ACH Same Day $0.08 Per transaction ACH Next Day $.0.03 Per transaction Interchange Fee 1.00% Per transaction Custom Debit Card $12.00 Per card
Unauthorized Return Fee $10.00 Per occurrence ACH Return Fee $0.06 Per occurrence Card Chargeback Fee $25.00 Per occurrence
24. AUTOMATED CLEARHOUSE (“ACH”) AUTHORIZATION
By clicking Continue, you authorize GravyStack, Inc. to provide instructions to debit or credit funds from the bank account indicated above (your “Linked Account”) for the amounts you select and on the date (for one-time payments) or dates (for recurring payments) that you indicate to GravyStack, Inc. when you use the application’s features to transfer money to or from your GravyStack Parent Account (if you are a Parent) or to transfer money to a GravyStack user’s goal (if you are a Circle Member). This authorization applies to one-time, on-demand transfers; recurring transfers; and other ACH transfer features that may become available.
You authorize GravyStack, Inc. to continue to provide instructions to debit or credit your Linked Account for requested transfers until this authorization is revoked, which can only be done by emailing help@gravystack.com. You also authorize GravyStack, Inc. to provide instructions to debit or credit your Linked Account as needed to correct any errors, process returned and reversed payments, and for similar issues, to the extent permitted by law. You acknowledge that the origination of ACH transactions must comply with the provisions of applicable law and the rules of the National Automated Clearing House Association (NACHA). You request the financial institution that holds your Linked Account to honor all transfers initiated in accordance with this authorization form.
I agree to print this ACH Authorization and retain a hard copy or save as an electronic copy.
25. Linking Bank Accounts
If enabled by Platform for your GravyStack Account, you may link an account with us or an external account at a third-party financial institution for online transfers between your linked account(s) and your GravyStack Account. If enabled by Platform, you may link your external account(s) with your GravyStack Account by (i) logging into your financial institution on GravyStack Website or Mobile App by providing the account and routing details for the external account and verifying the two (2) micro deposits we send to your external account the next business day. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All linked accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present a risk to you and/or us. By linking your external account to your GravyStack Account, and by subsequently logging into your linked account(s) through the GravyStack Website or Mobile App, you authorize us to view your account history and profile, including, but not limited to, your account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institutions; and you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy. When adding an external account, you represent and warrant that you are owner of and have the right to access, use and authorize us to use the account for information and funds transfer purposes. If any of your linked accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the external account with the Platform service. If you do not have such consent, you should not use that external account and we will terminate your use of the inking service if we are notified of such a situation. If you close any of your external accounts, you are responsible for removing it as an account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by the external financial institution or other provider of any linked external bank account, including, without limitation, any modification, interruption, or discontinuance of any linked external bank account by such financial institution, service provider or GravyStack.
26. Electronic W-9 Certifications
I certify, under penalty of perjury that:
1. The Taxpayer Identification Number or Social Security Number I provided is correct;
2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding;
3. I am a U.S. citizen or other U.S. person;
The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.
27. Partner Financial Institutions
GravyStack, Inc. has contracted with certain service providers in order to provide services to you. One service provider is Synapse Financial Technologies, Inc. (“Synapse”), a technology service provider that owns or otherwise has relationships with Synapse Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC and certain banks and financial institutions and service providers (each of the foregoing being a “Partner Financial Institution”).
GravyStack, Inc. is not a bank. Synapse Financial Technologies, Inc. and Synapse Brokerage LLC are not banks. Services are provided by Synapse Financial Technologies, Inc. program bank partners, a list of which can be found here [https://synapsefi.com/legal]. See your applicable deposit account agreement and cardholder agreement for details here [https://synapsefi.com/legal]. Deposit accounts and banking services are provided by Lineage Bank, member FDIC. The debit card associated with your deposit account is issued by American Bank, N.A., Member FDIC, pursuant to a license from Mastercard®.
By creating an account with GravyStack, Inc. and initiating financial transactions, you agree to Synapse’s Terms of Service [https://synapsefi.com/tos] and Privacy Policy [https://synapsefi.com/privacy]. You also agree to the terms of service and privacy policy of Synapse’s Partner Financial Institution corresponding to the financial service and product(s) you select (collectively, “Synapse Terms”), each of which can be found here [https://synapsefi.com/legal] and which are incorporated herein by reference. You authorize GravyStack, Inc. to share your identity and financial information with Synapse as detailed in the GravyStack, Inc. Privacy Policy and Synapse’s Privacy Policy. By creating an account with us, you acknowledge that Synapse may share your information as necessary with their affiliates, Partner Financial Institutions and other service providers in connection with providing their respective services. It is your responsibility to make sure that the information you provide to GravyStack, Inc. is accurate and complete.
Additionally, you are responsible for complying with Synapse Terms when using your account. It is your responsibility to read and understand Synapse Terms as it contains terms and conditions relating to your account including but not limited to your rights, limitations, reversal and other liabilities, limitation of liability and binding arbitrations provisions. All financial transactions are performed by and accounts held by Synapse’s Partner Financial Institutions, as applicable. GravyStack, Inc. will provide you with all access to all transaction notifications and account balances in addition to providing customer support relating to your account. You should refer to your account agreements with the applicable Partner Financial Institution for more important information.