To use our Services:

• You must be a U.S. citizen or legal U.S. resident; and
• You must be at least 18 years old.

• You must be eligible to file U.S. federal and/or state taxes; and
• You must have a personal checking account with one of our supported banks or credit unions (a “Bank Account”); and
• Your Bank Account must enable us or our third-party data aggregators to view your Bank Account information, including your balance and transaction history.

If you want to use certain features of the Services you must create an account with us (“Account”). You can do this via our App.When creating your Account with us, you must provide accurate, current and complete information, including payment-related information with respect to your Bank Account and/or credit card. You also represent that you are authorized to provide us with all Account information necessary for you to use the Services. You are solely responsible for the activity that occurs on your Account, and you must keep your account password secure. You must notify Grid immediately of any breach of security or unauthorized use of your Account. We are not liable for any losses caused by any unauthorized use of your Account.You are the only person authorized to use your Customer ID and password and for maintaining the confidentiality of your Customer ID and password. You shall not permit or allow other persons to have access to or use your Customer ID and password. You are responsible for the use of the Services under your Customer ID.

Keep requires that you allow us to access your payroll (including payroll systems maintained by third parties), financial service providers, and other similar sources of financial information (“Financial Information”). We may, either directly or through third party service providers, access your Financial Information. To the extent necessary to provide the Keep service, you grant us full authority to act on your behalf in communicating with any third party controlling your Financial Information, including without limitation adjusting your tax withholdings as discussed in this Section 8. You acknowledge and represent that you have the authority to grant us access to your Financial Information. This includes access to any Financial Information associated with a joint tax filing account. For instance, if you file taxes jointly with your spouse and have a single Account with us, you represent that you and your spouse have each authorized us access to any Financial Information identified in and tied to your Account. The Services also may include functionality designed to read information from images (for example, W-2s, other tax forms, or credit cards used for payment) photographed using a mobile device. This functionality is limited to those forms or items that the Services can read. If the form or other item you photograph and submit through the Services is not supported, you may need to manually enter your information.Keep typically uses a Grid deposit Account (“Grid Deposit Account” . To use Keep without a Grid Deposit Account, please email support@getgrid.app.THIS SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE, SUCH AS LEGAL, ACCOUNTING, TAX ADVICE, OR OTHER FINANCIAL ADVICE THAT IS TAILORED TO YOUR FINANCIAL PLANNING, GOALS, OR SITUATION. YOU SHOULD SEEK SUCH PROFESSIONAL SERVICE PROVIDERS FOR PROFESSIONAL TAX, FINANCIAL OR BUSINESS ADVICE CUSTOMIZED TO YOUR SPECIFIC NEEDS.

If you are a Grid+ subscriber or have taken an Advance from us, Grid monitors your Linked Bank Account and offers advances based on your anticipated income and tax refund (each, an “Advance”). Eligible users are offered the opportunity to receive an Advance, without interest, of up to $50 for the first advance, and up to $200 on future advances, based on repayment ability and history. All Advances are paid to the user’s Linked Bank Account or Debit Card. In all cases, you must affirmatively choose to receive an Advance. The maximum amount of each Advance for which you are eligible is based on, among other things, whether you have provided us access to your Financial Information (including your payroll account), established a direct deposit relationship between us and your Linked Bank Account, your repayment history with respect to any prior Advances, whether your Grid+ membership is in good standing (if applicable), and our analysis of your income and tax refund projections. We reserve the right to adjust Advance amounts and eligibility criteria at any time in our sole discretion.Advances can be repaid from your Debit Card (as defined below), or your Linked Bank Account.Notwithstanding paragraph (b) of this Section 9, if:

• Our connection to your Linked Bank Account is disabled for any reason while an Advance is outstanding;
• You dispute our right to repayment of an Advance; or
• You engage in any abusive or fraudulent activity with respect to our Services or violate these Terms;

If you dispute a legitimate repayment charge in connection with an Advance and your dispute claim is successful for any reason, you will be responsible for any dispute fees charged to Grid by your financial institution in addition to the repayment of your Advance. In such case, we may seek immediate repayment as provided in Section 8(d) for an amount equal to your Advance and any dispute fees charged to Grid.Grid acknowledges that it has no legal or contractual claim against you if you fail to repay an Advance, but Grid will not provide you any further Advances and may suspend access to Grid’s Services while any Advance remains unpaid. Grid does not waive any rights regarding fraudulent activity, and Grid will pursue instances of fraud.Grid monitors your Linked Bank Account to ensure there are sufficient funds before withdrawing any Advance repayment, but Grid does not warrant that an overdraft will not occur and is not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges) that result from your failure to maintain an adequate balance to repay an Advance.

Your Bank Account allows you to withdraw funds or make deposits through Electronic Fund Transfers ("EFTs"). EFTs are transactions that are processed by electronic means and include, among others, ACH transfers and direct deposits. This Section provides you with information and important disclosures and terms about the EFTs that are permitted on your Bank Account. Further information is provided in the Deposit Account Agreement which you agree to when you open your Bank Account.Your Bank Account allows the following types of EFTs:

• Direct deposits from your employer or other source of income;

• Transfers from your Bank Account to a merchant or other third party by providing the third party with your Bank Account routing number and account number;

There are limitations on the frequency and amount of EFTs you can make to or from your Bank Account. These limits are different for each type of transaction. The limits that apply to ETFs that credit or deposit funds into your Bank Account are as follows:Contact us immediately if you believe that an unauthorized EFT has occurred or may occur concerning your Bank Account, or if your Customer ID or password have been lost, stolen or compromised. Calling us at 501-566-4743 is the best way of keeping your losses to a minimum. You could lose all the money in your Bank Account and any Linked Bank Account if you take no action to notify us of the unauthorized EFT or the loss or theft of your Customer ID or password.

• If you tell us within two (2) business days after learning of the loss, theft or compromise of your Customer ID or password, you can lose no more than $50.00.
• If you do NOT tell us within two (2) business days and we can prove that we could have prevented the loss had you contacted us, you could lose as much as $500.00.
• If your statement shows EFTs that you did not make and you do NOT contact us within sixty (60) days after the statement was made available to you, you may not get back any money lost after the sixty (60) days if we can prove that your contacting us would have prevent those losses.

Contact us at 501-566-4743 or email at support@getgrid.app as soon as you can if you think your statement or receipt is wrong or if you need more information about an EFT listed on a statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your communication must include the following information:

• Tell us your name and Bank Account number.
• Describe the error or the EFT you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

Grid reserves the right to cancel or suspend any EFTs due to fraud or compliance related concerns.

Grid membership gives you access to our Keep service for a fee.To access more of our service offerings, you must have a Grid+ subscription Account (“Subscription”). If you purchase a Subscription, you will be presented with a checkout screen where you will agree to an ongoing Subscription fee, plus any applicable taxes, and other charges (“Subscription Fee”), at the then-current Subscription Fee rate. If you purchase a Subscription, we (or our third-party payment processor) will automatically charge you, using the Payment Information (as defined in Section 16(b)) you have provided until you cancel your Subscription. The frequency of charges may vary (weekly, bi-weekly, monthly) based on the Subscription you select. Grid will also charge a reactivation fee if you choose to cancel your Subscription and restart it later. BY AGREEING TO THESE TERMS AND ELECTING TO PURCHASE A SUBSCRIPTION, YOU ACKNOWLEDGE THAT YOUR SUBSCRIPTION HAS RECURRING PAYMENT OBLIGATIONS AND YOU ACCEPT RESPONSIBILITY FOR ALL RECURRING PAYMENT OBLIGATIONS PRIOR TO CANCELLATION OF YOUR SUBSCRIPTION BY YOU OR GRID. YOUR SUBSCRIPTION CONTINUES UNTIL YOU CANCEL IT OR WE TERMINATE YOUR ACCESS TO OR USE OF THE SERVICES IN ACCORDANCE WITH THESE TERMS.There are no fees associated with this Account. Fees are subject to change at any time. We will provide you advance notice of any changes where required by law.Any refunds payable to you by Grid may be made by way of a credit that can be used for future fees payable by you to Grid for use of our Services. Any such credits will be recorded to your Account. From time to time, we may offer promotion codes, coupons, or other similar offers for credits or discounts in connection with our Services (collectively, “Credits”), which Credits will be shown in your Account. Credits are issued for promotional purposes only; they have no cash value and may not be transferred or exchanged for cash. Credits can only be redeemed on our Site or App. Credits expire within 12 months of the date on which you receive such Credits in your Account and any Credits unused within such 12-month period will be forfeited. You are responsible for any tax consequences that may result from the redemption or use of Credits. USE OF SUCH CREDITS WILL BE SUBJECT TO APPLICABLE LAW.

For Services offered on a Subscription basis, we will automatically charge your Subscription Fee to your Payment Information (as defined below) on a monthly basis, unless or until you cancel your Subscription or your Account with us is otherwise terminated. Upcoming dates on which your Subscription Fee will be charged to you will be displayed in our App. We will do our best to collect your Subscription Fee when you have funds available to pay your Subscription Fee and will attempt to avoid charging you for your Grid+ membership if we determine that your Linked Bank Account does not have sufficient funds to cover the charge, but we make no warranties that an overdraft will not occur. If our attempt to charge your Subscription Fee is declined, we reserve the right to (i) continue making additional debit attempts to your Linked Bank Account until we are successful (ii) use any other payment method(s) you have provided us in connection with your Payment Information, (as defined below) or (iii) if you have more than one Linked Bank Account, make debit attempts against your other Linked Bank Accounts in any order. If a payment method, such as a debit or credit card, expires or is otherwise replaced, we reserve the right to treat the replacement as the original payment method.All fees are payable in U.S. dollars. When you purchase a Subscription with recurring payment obligations (each, a “Transaction”), you expressly authorize us (or our third-party payment processors) to charge you for such Transaction. We may ask you to supply additional financial information relevant to your Transaction, including your credit card number, the expiration date of your credit card, and your email and postal addresses for billing and notification (such information, “Payment Information”). You represent and warrant that you have the legal right to use all payment method(s) you provide in connection with your Payment Information. When you initiate a Transaction, you authorize us to provide your Payment Information to our third-party payment processors to complete your Transaction and to charge your payment method for the Transactions you have selected and authorized (together with any applicable taxes and other charges). You may need to provide additional information to verify your identity before completing your Transaction (such information is included within the definition of Payment Information).Payment processing services for our Customers on our Site and our App are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement"). By agreeing to these Terms or by using our Services, you agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of Grid enabling payment processing services through Stripe, you agree to provide us accurate and complete information about yourself, and you authorize us to share such information and transaction information related to your use of the payment processing services provided by Stripe. In addition, we reserve the right to process payments with Checkout and Astra and are subject to the Astra Account Agreement, which includes the Astra Terms of Service (collectively, the "Astra Services Agreement"). By agreeing to these Terms or by using our Services, you agree to be bound by the Astra Services Agreement, as the same may be modified by Astra from time to time. As a condition of Grid enabling payment processing services through Astra, you agree to provide us accurate and complete information about yourself, and you authorize us to share such information and transaction information related to your use of the payment processing services provided by Astra. https://astrafi.com/terms/https://astrafi.com/privacy/Your Grid Bank Account and/or Card Account has no overdraft facility and cannot maintain a negative balance. If your Grid Bank Account or Card Account has a negative balance for any reason, you hereby authorize us to (i) make debit attempts to your Linked Bank Account until we are successful in covering the negative balance (ii) use any other payment method(s) you have provided us in connection with your Payment Information or (iii) if you have more than one Linked Bank Account, make debit attempts against your other Linked Bank Accounts in any order. If a payment method, such as a debit or credit card, expires or is otherwise replaced, we reserve the right to treat the replacement as the original payment method.

Subject to your compliance with these Terms, Grid grants to you a limited non-exclusive, non-transferable license to download and install a copy of the App on a mobile device or computer that you own or control and to run such copy of the App solely for your own personal, non-commercial purposes. Except as expressly permitted in these Terms, you may not: (i) copy, modify or create derivative works based on the App; (ii) distribute, transfer, sublicense, lease, lend or rent the App to any third party; (iii) reverse engineer, decompile or disassemble the App; (iv) circumvent or otherwise interfere with the Services; or (v) make the functionality of the App available to multiple individuals outside your immediate household through any means. We reserve all rights in and to the App not expressly granted to you under these Terms.The following terms apply to any App accessed through or downloaded from any app store or distribution platform (like the Apple App Store or Google Play) where the App may now or in the future be made available (each an "App Provider"). You acknowledge and agree that:

• These Terms are between you and Grid, and not with the App Provider, and Grid (not the App Provider), is solely responsible for the App.
• The App Provider has no obligation to furnish any maintenance and support services with respect to the App.
• In the event of the App's failure to conform to any applicable warranty, you may notify the App Provider, and the App Provider will refund the purchase price for the App to you (if applicable) and, to the maximum extent permitted by applicable law, the App Provider will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Grid.
• The App Provider is not responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.
• If any third party claims that the App or your possession and use of that App infringes that third party's intellectual property rights, Grid will be solely responsible for the investigation, defense, settlement and discharge of such claim.
• The App Provider, and its subsidiaries, are third-party beneficiaries of these Terms as related to your license to the App, and upon your acceptance of the Terms, the App Provider will have the right to enforce these Terms as a third-party beneficiary thereof.
• You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must also comply with all applicable third-party terms of service when using the App.

• Output may not always be accurate. You should not rely on Output from our Services as a sole source of truth or factual information, or as a substitute for professional advice.
• You must evaluate Output for accuracy and appropriateness for your use case, including using human review as appropriate, before using or sharing Output from the Services.
• You must not use any Output relating to a person for any purpose that could have a legal or material impact on that person, such as making credit, educational, employment, housing, insurance, legal, medical, or other important decisions about them.
• Our Services may provide incomplete, incorrect, or offensive Output that does not represent Grid’s views. If Output references any third party products or services, it doesn’t mean the third party endorses or is affiliated with Grid.

In the unlikely event that you and Grid are not able to resolve a dispute within sixty (60) days of your contacting support@getgrid.app, you agree to resolve any claim, dispute, or controversy (excluding any claims for injunctive or other equitable relief as provided below) arising out of or in connection with or relating to these Terms, or the breach or alleged breach, termination, enforcement, interpretation or validity thereof or the use of the Services or Content thereof (collectively, “Disputes”), by binding arbitration, except as provided herein. Any such arbitration will be conducted on an individual basis and not in a class, representative or consolidated action or proceeding. You agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms.As limited exceptions to Section 26(a) above: (i) you may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our Intellectual Property Rights. In addition, you will retain the right to opt out of arbitration entirely and litigate any Dispute if you provide us with written notice of your desire to do so by email at support@getgrid.app within thirty (30) days following the date you first agree to these Terms.Any arbitration will be conducted by JAMS, Inc. (“JAMS”) under the Optional Expedited Arbitration Procedures then in effect for JAMS. JAMS may be contacted at www.jamsadr.com. The arbitration will be conducted in San Francisco County, California, unless you and Grid agree otherwise. If you are an individual using the Services for non-commercial purposes: (i) JAMS may require you to pay a fee for the initiation of your case, unless you apply for and successfully obtain a fee waiver from JAMS; (ii) the award rendered by the arbitrator may include your costs of arbitration, your reasonable attorney’s fees, and your reasonable costs for expert and other witnesses; and (iii) you may sue in a small claims court of competent jurisdiction without first engaging in arbitration, but this does not absolve you of your commitment to engage in the informal dispute resolution process. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this Section shall be deemed as preventing Grid from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of our information security, Intellectual Property Rights or other proprietary rights.Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules and each party will be responsible for its own costs and expenses in connection with any arbitration; provided that the arbitrator will have the discretion to award repayment of costs and expenses to the prevailing party, to the extent permitted by law.YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST GRID ONLY IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if a Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your Dispute, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.Notwithstanding the provisions of Section 2 (Changes to Terms and Our Offerings) above, if Grid changes any of the terms of this Section 27 (Dispute Resolution) after the date you first accepted these Terms (or accepted any subsequent changes to these Terms), you may reject any such change by sending us written notice (including by email to support@getgrid.app) within 30 days of the date such change became effective, as indicated in the “Last Updated” date above or in the date of Grid’s email to you notifying you of such change. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Grid in accordance with the terms of this Section 27 “Dispute Resolution” as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).This Section 27 (Dispute Resolution) will survive the termination of these Terms. If any portion of this Section 27 (other than paragraph (e)) is deemed invalid or unenforceable, the remaining portions of this Section 27 will nevertheless remain in force and valid. If there is a final judicial determination that applicable law precludes enforcement of this Section 27’s limitations as to a particular claim for relief or a particular term, then that claim (and only that claim) or that term (and only that term) may be severed from this Section 27 and be brought in court. If an arbitration is brought on a class, representative or collective basis and the limitations on such proceedings in paragraph (e) are found to be unenforceable, then no arbitration shall be conducted. In no event shall an arbitrator be authorized to determine claims or make awards beyond those authorized in this Section 27.

These Terms constitute the entire and exclusive understanding and agreement between us regarding the Services, and these Terms supersede and replace any and all prior oral or written understandings or agreements between us regarding the Services.If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.You may not assign or transfer these Terms, by operation of law or otherwise, without Grid’s prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. Grid may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and insure to the benefit of the parties, their successors and permitted assigns.Any notices or other communications provided by Grid under these Terms, including those regarding modifications to these Terms, will be given: (i) via email; and/or (ii) by posting to the Site and App. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is transmitted.No joint venture, partnership, employment, agency or similar relationship exists between Grid and you as a result of these Terms or your use of our Services.Grid’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Grid. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.The following provisions in these Terms shall survive termination of your use or access to our Services: all disclaimers, Our Proprietary Rights, Limitation of Liability, Governing Law and Forum Choice, Dispute Resolution, General Terms, and any other provision that by its terms survives termination of your use or access to our Services.