Version: October 15, 2016

These terms of service apply to your use of the Cause Mobile Wallet. This is a legal agreement (“Agreement”) between you (“you,” “your,” or “user”) and ARA Technology LLC d.b.a. Cause Mobile Wallet (“Cause,” “ARA”, “we,” “our,” or “us”) governing your use of the Cause Mobile Wallet application and website located at www.causemobilewallet.com. Please review these Terms of Service before you decide whether to accept them and continue with the registration process.

By agreeing to these Terms of Service, you represent the following:

  • You are 18 years old or older;
  • Capable of entering into a legally binding agreement; and
  • Are an individual, and not acting on behalf of a corporation, trust, partnership, or other entity.

By agreeing to these Terms of Service, you authorize ARA to move funds from your personal bank account to your Wallet account and to charge your personal bank account and/or debit your Mobile Wallet Balance, as applicable, when you perform transactions or incur fees using any of the services offered hereunder.

Part 1 – Cause Mobile Wallet Transactions

1. Definitions

The following additional defined terms appear in these Terms of Service.

Applicable Law” Any and all federal, state and local laws, rules and regulations applicable to the Services.

Funding Account” A checking or savings account that is registered or used by you to fund payments made by you to your Mobile Wallet Account.

Issuer” or “Partner Bank” The bank used by Cause to hold Users funds.

Wallet to Wallet Payment” Payment initiated to another Wallet holder through the Wallet to Wallet Payment Service that debits or charges a Wallet Balance of the Sender and credits the funds to the Recipient’s Wallet Balance.

Payment Transaction” The processing of a payment that results in the debiting, charging, or other related transaction, of the Purchase Amount to a Buyer’s Wallet Account.

Product” Any merchandise, good or service that a Buyer may purchase using a Service.

Purchase Amount” The dollar amount of a Payment Transaction to pay for a Product, and any related fees, taxes or shipping charges, as applicable.

Recipient” Customer who receives a payment from the Sender as the result of a Wallet-to-Wallet Payment.

Sender” Customer who uses the Wallet-to-Wallet Service to initiate a Payment to send a payment to a Recipient.

Cause Mobile Wallet Account” or “Wallet Account” The account you are assigned upon your initial acceptance of these Terms of Service and the Issuer Terms of Use.

Wallet Balance” Funds that you may maintain in your Wallet Account. Wallet Balances are held in a deposit account at the Issuer and are the same funds available on your Wallet Card.

Issuer Terms of Use” The terms and conditions between you and the Issuer which are applicable to use of your Wallet Account.

We“, “us” ARA Technologies, LLC.

You“, “you” A natural person that applies to, or registers to use, or uses, the Services.

2. Opening your Cause Mobile Wallet Account

2.1 Getting started with Cause Mobile Wallet

When you sign up for the Cause Mobile Wallet, the Issuer will issue you a virtual account, which you will load using your funds from your personal checking or savings account. In addition to the virtual debit card you may also receive a physical debit card for the same account with the same account number. The virtual and physical card (the “Card”) holds the funds that are in your Cause Mobile Wallet Account (your “Wallet Balance”). These funds will be held in a custodial sub-account maintained by the Issuer (your funds are not maintained by us or in our control at any time). You may be asked to provide information such as your name, contact information, bank name, routing number and account number, date of birth, and/or your social security number. We may verify your registration information with a third party verification vendor. In some cases, we may ask you to send us additional information, such as a copy of your driver’s license or passport, or to answer additional questions to help us verify your identity.

We or our partners to determine if you are eligible to begin and/or continue to use the Services will use the information you provide. Provision and use of such data is subject to our Privacy Policy, as well as the privacy policy of the Issuer.

Subject to the Terms and Conditions of the Issuer, you can use your Cause Mobile Wallet card to make purchases anywhere Visa® (or the applicable Card network, if not Visa®) is accepted, transfer funds to other Cause Mobile Wallet holders, and donate to campaigns created on the Cause Mobile Wallet platform. Third party payment processors handle all payments processing transactions. We are not a chartered banking entity. All funds that are not part of a fee paid to us are paid directly to the Card Issuer or other third-party payment providers.

2.2 USA PATRIOT ACT NOTICE

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or business that opens an account or requests credit.

2.3 Accuracy of Registration Information

You are responsible for providing accurate registration information and for keeping your registration information up to date, or notifying us in the event of changes.

2.4 Relation to your Account

In order to use the Services, you must have a valid Card that is in good standing with the Issuer. If your Card is closed for any reason, your Wallet Account will also be closed and you will no longer be able to access the Services, and any remaining account funds will be distributed to User.

3. Using the Cause Mobile Wallet to Make Merchant Payments

3.1 General Description

The Cause Mobile Wallet may allow you to make purchase transactions from merchants (i) in-store using the Cause Mobile Wallet Account which resides on your mobile device, (i) in-store using your Wallet Card, or (ii) online at certain merchants using your 16 digit card number; all as set forth more specifically in the Issuer’s Terms and Conditions.

Your Wallet Account information may be stored on ARA’s servers and you can access your Wallet Balance and transaction history in the App. [See 3.5 (g)] Your Wallet Account will be charged for transactions using the Card to make purchases from merchants.

3.2 Getting Started with Cause Mobile Wallet

(a) In order to use the Cause Mobile Wallet, you must be a resident of a U.S. state or the District of Columbia.

(b) You agree to notify ARA immediately of any unauthorized use of the Cause Mobile Wallet, your Wallet Card or any other breach of security regarding the Cause Mobile Wallet or your Wallet Card of which you have knowledge.

(c) ARA does not make any representation or verify that your Wallet Account is in good standing or that the Issuer will authorize or approve any purchases from a merchant when you use the Cause Mobile Wallet or Wallet Card in connection with that purchase.

3.3 Using the Mobile Wallet Service

You can use the Mobile Wallet Service as follows:

  1. In store using your wallet stored on your mobile device by logging in to your Wallet Account, displaying your personal QR Code, and holding the mobile device under the merchant’s reader, if this functionality is enabled and available;
  2. In store using the linked credit card in your wallet with participating merchants; and
  3. Online using the Wallet Virtual Card through your mobile device, at a computer, or other device with online capabilities and and using the Cause “Buy Now” button with participating merchants.

By using your Wallet Account using the methods described above to make Payment Transactions, you authorize ARA to charge your Wallet Account for such Payment Transaction in coordination with the Issuer and any third-party payment processors.

3.4. Transaction Limits

Payment Transaction Limits. There is a maximum dollar limit on purchase payments that you may make using your Wallet. Maximum purchase payments may not exceed the $5,000 per day or any other daily purchase transaction limit imposed by the Issuer. ARA may, at its discretion, increase this maximum upon verification with the Issuer. In addition, Wallet purchase transactions below this amount may be declined if you have insufficient Wallet Balance. In addition, you may be subject to limitations on the amount or type of transaction or merchant as per the Issuer’s Terms and Conditions. You are responsible for any charges and related fees that may be imposed under the Issuer’s Terms and Conditions. The Wallet is not a credit card, and ARA and the Issuer are not extending you credit in connection with your use of the Mobile Wallet Service.

3.5 General Terms relating to the use of the Mobile Wallet Service

(a) ARA will instruct the Issuer to deny a requested Mobile Wallet Service purchase if ARA has reason to believe that it will not be able to initiate a charge to your Wallet, or if ARA otherwise believes that ARA will not be able to obtain funds from you to complete the requested purchase payment. We reserve the right to decline any Cause Mobile Wallet initiated Payment Transaction. We reserve the right to suspend your use of any Mobile Wallet Service for any reason.

(b) You acknowledge and agree that your purchases through the Mobile Wallet Service are transactions between you and the merchant and not with ARA or any of its affiliates.

(c) The Wallet Mobile Service may only be used for U.S. dollar transactions within the U.S.

(d) Your Authorization for Mobile Wallet Service Billing. By using the Mobile Wallet Services to make a purchase payment, you authorize the use of the Wallet Account to complete a payment to the merchant, and you authorize ARA or its third party payment processors to charge the Wallet Account for the Purchase Transaction.

(e) Receipts At Merchant Locations. You may receive a transaction receipt from a merchant when you use the Mobile Wallet Service. ARA is under no obligation to provide you with a receipt or other written confirmation in connection with the charge made at a merchant location or with an online merchant.

(f) Limits on Merchants and Purchases. We may impose limits on merchants where you can use the Mobile Wallet Service.

(g) Periodic Statements. You agree that we will not provide you with a separate periodic statement for your use of the Wallet Service. An electronic transaction history showing all transactions with the Wallet Account is available at the Site and on the App. You are responsible for reviewing the Wallet Account transaction history for accuracy.

(h) Customer Service. If you have an inquiry regarding a payment made with the Mobile Wallet Service, or you believe there has been an error or unauthorized transaction regarding a payment transaction, please contact ARA at the address or phone number set forth below.

4. Wallet Balance and Wallet to Wallet Payments

4.1 Wallet Balance

(a) Creating Wallet Balance. You may maintain funds in your Wallet Account, and such funds will be known as your Wallet Balance. Funds can be accumulated in your Wallet Balance by means of:

(i) a transfer of funds from your Funding Account;

(ii) funds received from a Sender; and/or,

(iii) a credit issued to you.

We currently do permit funding your Wallet Balance from a credit card. If your credit card issuer deems your addition of funds to your Wallet Balance to be a cash advance transaction or a similar non-purchase transaction, you may incur cash advance or similar fees assessed by your credit card issuer. Please refer to your agreement with your Funding Account provider for information on whether cash advance fees may be incurred. Using your Wallet Balance in order to monetize/maximize any rewards programs offered under the issuer’s terms for your credit or debit card is prohibited under these Terms of Service.

We can institute limits on amounts you can add to your Wallet Balance using your Funding Account in our discretion and without notice.

(b) Withdrawal of Wallet Balances. You may register a checking or savings account as the Funding Account for your Wallet Balance in order to withdraw funds from your Wallet Balance. If you are permitted by ARA to withdraw funds to a bank account, you must be the named account-holder of both the Wallet Balance and the bank account to which funds are withdrawn, or the withdrawal will not be processed. You can also withdraw funds in the form of point of sale transactions with the use of the Wallet at participating merchants. Withdrawals may be processed in part by third parties (such as your account-holding bank). We are not responsible for withdrawn funds provided to the third party for delivery to you at your request or upon distribution of your Wallet Balance to you in cash. You are solely responsible for any fees that may be charged to you by a third party for processing a withdrawal. ARA will not be responsible for withdrawals provided to the wrong party or account, or where you provided incorrect withdrawal account details to ARA.

(c) Use of Wallet Balances. You may use your available Wallet Balance for Wallet-to-Wallet Payments, in-store payments using the Wallet Account, to make point of sale transactions using the Wallet application, or to fund or contribute to a campaign or charity.

(d) Limits. The maximum amount of your Wallet Balance at any time is limited to Ten Thousand Dollars ($10,000). Amounts received in excess of this amount will be rejected. No transaction using your Wallet Balance may exceed Five Thousand Dollars ($5,000) as an individual transaction or as a total within a 24-hour period.

(e) No Interest On Wallet Balances. ARA and the Partner Bank do not pay interest to you on Wallet Balances or any other funds.

(f) Negative Wallet Balances. If for any reason, your Wallet Balance becomes negative, you authorize ARA to:

(i) Initiate a debit or charge to your Funding Accounts in your Wallet Account to bring your Wallet Balance to $0 and / or

(ii) Use a third party to recover funds from you to bring your Wallet Balance to $0.

(g) Liability for Failure to Make Transactions. We may restrict access to your Wallet Balance, including transactions using your Wallet, temporarily or permanently, if we notice suspicious activity in connection with your Wallet Balance account. We have no liability for restricting access to the Wallet Balance because of suspected suspicious activity. We will not be liable:

If through no fault of ours, a merchant refuses to honor a transaction using your Wallet Balance;
If through no fault of ours, you do not have enough money available in your Wallet Balance to make a purchase;
If the terminal or system was not working properly;
If the transaction information supplied by you or a third party is incorrect or untimely;
If circumstances beyond our control (such as flood or fire) prevent a transaction, despite reasonable precautions that we have taken; or the merchant authorizes an amount greater than the purchase amount.
There may be other applicable exceptions as otherwise provided by state or federal laws.

4.2 Wallet-to-Wallet Payments

(a) Requirements for Registration

In order to use the Wallet-to-Wallet Service to make Wallet-to-Wallet Payments from your Wallet Account, you must have a Wallet Account in good standing and be transferring funds to another Wallet Account in good standing.

The Wallet-to-Wallet Service is currently available only to Senders and Recipients who are U.S. residents and who otherwise meet the requirements of these Terms of Service. All users of the Wallet-to-Wallet Service agree to the restrictions contained in this policy.

(b) Your Authorization for a Wallet-to-Wallet Payment

(1) When you request a Wallet-to-Wallet Payment to be effected through the Wallet-to-Wallet Service, you authorize Issuer to debit funds in that amount from your Wallet Balance;

(2) Your authorizations under this Section shall remain in effect while you are a Customer and for a period of ninety (90) days following termination or cancellation of the Services.

4.3 Processing of Wallet to Wallet Payments

(a) You may send a Wallet to Wallet Payment to any other person who is a resident of the United States with a valid Wallet Account and is authorized to receive Wallet to Wallet funds. You must select the Wallet Balance from which your Wallet to Wallet Payment will be sent at the time you initiate the Wallet to Wallet Payment. You will also have the option to enter a “memo” or note for the Wallet to Wallet Payment, which may be retained by ARA as part of the Wallet to Wallet Payment record and/or monitored by ARA in accordance with its financial regulatory obligations.

(b) In the event you initiate a Wallet to Wallet Payment from your Wallet Balance and there are insufficient funds for the Wallet to Wallet Payment, in our discretion the payment may be declined or your Wallet Balance may be debited in the amount of the insufficient funds. In the event your Wallet Balance incurs a negative balance as a result of this debit, your Funding Account will be debited to bring your Wallet Balance to $0 [as described in 4.1 (f)].

(c) Issuer will hold funds debited from a Sender’s Wallet Balance pending transfer to the Recipient. You will not have access to funds in the process of transmission to the Recipient.

(d) The Recipient will receive an email from the Sender of a Wallet to Wallet Payment advising the Recipient that funds have been received for him or her. Such funds may not be available to the Recipient at the time he or she receives the email, as certain funds may be subject to a 3-day holding period. The Recipient may also receive notification of the transfer from within the App.

(e) The Recipient must have a Wallet Account and have completed the steps required to hold a Wallet Balance in order for the funds to process a Wallet to Wallet Payment. A Recipient may be required to take certain actions, such as providing ARA with additional registration information, prior to the funds becoming available. ARA is not responsible if the intended Recipient does not have or create accounts necessary to receive a Wallet to Wallet Payment.

(f) A requested Wallet to Wallet Payment is complete when funds are credited to the Recipient’s Wallet Balance and are available for use or withdrawal by the Recipient. The Sender may request that Issuer cancel the Wallet to Wallet Payment prior to Issuer making the funds available to the Recipient in the Recipient’s Wallet Balance. The Sender may request cancellation of the Wallet to Wallet Payment by contacting info@causemobilewallet.com. Issuer will use commercially reasonable efforts to cancel the Wallet to Wallet Payment upon request by the Sender. In the event that Issuer is able to cancel the Wallet to Wallet Payment, the funds will be credited to the Sender’s Wallet Balance that was used to fund the Payment. Issuer may deduct applicable fees from the returned funds, to the extent permitted by applicable law. Wallet to Wallet Payments that have been completed (funds have been credited to the Recipient’s Wallet Balance and are available for use or withdrawal by the Recipient) are ineligible for cancellation.

(g) Issuer reserves the right (but is not obligated) to make funds available to a Recipient before Issuer receives final settlement of the Sender’s funding transaction. Issuer also reserves the right in its sole discretion to delay transfer of funds to Recipient or place a hold on funds in the Recipient’s Wallet Balance.

(h) Notwithstanding the foregoing, Issuer will use commercially reasonable efforts to make funds available to a Recipient no later than three (3) business days after Issuer receives final settlement of the Sender’s funding transaction. Issuer has no liability to you or any other person for any delay in making funds available to the Recipient.

(i) If a requested Wallet to Wallet Payment cannot be completed for any reason, including because the Recipient is not a U.S. resident, or the Recipient does not or is ineligible to create a Wallet Account and / or Wallet Balance in order to receive the funds within ten (10) days of the Sender initiating the Wallet to Wallet Payment, the Wallet to Wallet Payment will be canceled and, to the extent possible, funds will be returned to the Sender’s Wallet Balance.

4.4 Transaction Records, Customer Service and Error Resolution Policy

Records of your Wallet to Wallet Payments through the Wallet to Wallet Service, and your other Wallet Balance transactions (together, your “Wallet Balance Transactions”) will be reflected in your transaction history in your Wallet Account. You are responsible for reviewing your transaction activity to determine if there are any errors or unauthorized transactions, and for alerting ARA of such events.

It is your obligation to save or print a copy of your Wallet Electronic Transaction History. If your access to the Service is canceled or terminated by you or by us for any reason, you will not be permitted to access your statements stored by ARA. You may request paper copies of certain electronic records about your account and stored by ARA, subject to reasonable limits. ARA reserves the right to charge you fees for such paper copies.

4.5 Fees

ARA may charge fees in accordance with the fee schedule, as stated herein. No fees are incurred for a Wallet to Wallet transfer. Merchant payment fees are set forth in the Issuer’s Terms and Conditions.

We do not charge any fees for adding funds to your Wallet Balance from your Funding Account.

Wallet may also assess a fee based on of the transaction amount, with a minimum fee of $3.99, on the total amount your Funding Account is charged to bring your negative Wallet Balance to $0.

We may charge you for any costs we incur by the use of a third party to recover funds from you to bring your Wallet Balance to $0.

We will charge a fee of $3.50 the first time you remove funds from your Wallet Balance to your Funding (Bank) Account; subsequent withdrawals will incur a flat $0.99 fee.

Please review the account terms provided by the issuer of your Funding Account for any fees they may assess on your use of your Funding Account.

5. Use of Services

5.1 Limitations

Notwithstanding any limitations described elsewhere in this Agreement, we may establish general practices and limits concerning use of the Services, including without limitation individual or aggregate transaction limits on the dollar amount or number of transactions during any specified time period(s). We reserve the right to change, suspend or discontinue any aspect of the Services at any time, including hours of operation or availability of the Services or any Service feature, without notice and without liability. We also reserve the right to impose limits on certain Service features or restrict access to some or all of the Services without notice and without liability. We may decline to process any transaction without prior notice to you.

ARA may delay, hold, cancel or reverse processing of any transaction if:

(a) a Sender makes a claim to ARA for a refund or other reversal, or

(b) ARA, in its sole discretion, believes that the transaction is invalid, suspicious, involves misconduct or fraud, or otherwise violates Applicable Law, this Agreement, or any applicable ARA policies.

Buyer authorizes the charge or debit to Buyer’s Wallet Balance, by ARA as agent of the Seller, as necessary to complete processing of a Payment Transaction. Buyer also authorizes the crediting or debiting, as applicable, to Buyer’s Wallet, by ARA as agent of the Seller, in connection with chargebacks, reversals, refunds, or adjustments through the Service by a Seller.

We may limit or suspend your use of one or more Services at any time, in our sole and absolute discretion. If we suspend your use of a Service, we will attempt to notify you by electronic mail. Suspension of your use of a Service will not affect your rights and obligations pursuant to these Terms of Service arising before or after such suspension or with respect to any non-terminated Services.

The Cause Mobile Wallet is intended for use on mobile devices, Android operating systems, Apple iOS or other devices or operating systems approved by ARA, as provided to you directly by your mobile carrier. You are strictly prohibited from using the Cause Mobile Wallet on a mobile device or Android or Apple operating system, or other device or operating system approved by ARA, that has been modified or customized in any way. You bear sole responsibility for such unauthorized use of the Cause Mobile Wallet on a modified mobile device, Android operating system, Apple operating system or other device or operating system approved by ARA.

5.2 Fraud

If you believe your Wallet Account has been opened or used in an unauthorized manner, please contact the Issuer immediately as set forth in the Issuer’s Terms and Conditions. You are cautioned to only make payments to person’s you already know and trust. You should not send money to purchase product or donate to campaigns if you don’t know and trust the person you are sending money to. There is a risk that the person is acting dishonestly and may defraud you out of your money. Be careful.

5.3 Unclaimed Property

If ARA is holding funds due to you arising from a Payment Transaction processed using any service described herein, and ARA is unable to contact you and has no record of your use of the service for several years, Applicable Law may require ARA to report these funds as unclaimed property. If this occurs, ARA will try to locate you at the address shown in our records, but if ARA is unable to locate you, it may be required to deliver any such funds to the applicable state as unclaimed property. ARA reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by Applicable Law. The Issuer’s Terms and Conditions may take precedence with respect to any such unclaimed property. In that event, the Issuer’s Terms and Conditions shall control.

5.4 ARA Is Not a Banking Institution, Issuer, or Processor

ARA is not a bank or other chartered depository institution. ARA is not an issuer of any Funding Account. With respect to merchant payment transactions, solely the merchant handles all payment processing, and, other than releasing the funds under a properly made transaction, ARA is not involved in the merchant’s processing of the payment.

Funds held by ARA or its service providers (including any bank service providers) in connection with the processing of Payment Transactions are not deposit obligations of Buyer and are not insured for the benefit of Buyer by the Federal Deposit Insurance Corporation or any other governmental agency.

These Terms of Service do not amend or otherwise modify your agreement with the issuer of your Funding Account. In the event of any inconsistency between these Terms of Service and your agreement with the issuer of your Funding Account or the Issuer’s Terms and Conditions, these Terms of Service govern the relationship between you and ARA solely with respect to ARA’s Site and the App, and your agreement with the Issuer of your Funding Account governs the relationship between you and the Issuer of such item. You acknowledge and agree that you are solely responsible for the Funding Account, and any other information you enter or otherwise store in the Cause Mobile Wallet. ARA is not responsible for the accuracy or availability of any information you enter or otherwise store in the Cause Mobile Wallet, including, without limitation, whether such information is current and up-to-date.

5.5 Communication with Issuers

By electing to use the Cause Mobile Wallet, you authorize ARA, directly or through the Cause Mobile Wallet App to communicate with the issuer of your Funding Account to provide or obtain any information required by that issuer.

5.6 Third Party Providers

ARA may have arranged for third party providers to provide products or services to you through the Cause Mobile Wallet (“Third Party Providers“). In order to use these products or services, you may be required to agree to additional terms and conditions from those Third Party Providers, and may be subject to additional requirements of the Third Party Provider. By agreeing to these Terms of Service or continuing to use the Cause Mobile Wallet, you hereby agree to any Third Party Provider terms that apply to your use of such products and services through Cause Mobile Wallet that may be updated from time to time. For avoidance of doubt, these Third Party Provider terms are between you and the applicable Third Party Provider, not ARA.

5.7 Advertising

Some of the features of Cause Mobile Wallet may be supported by advertising revenue and may display advertisements and promotions. In consideration for ARA granting you access to and use of Cause Mobile Wallet, you agree that ARA may place such advertising. In addition, you may have the choice to opt-in to allowing information from Cause Mobile Wallet to be used by ARA, in order to present you with more relevant advertising, as well as more relevant items for you to store and/or redeem as Wallet Objects.

5.8 Third Party Fees

You are responsible for any fees charged by your telecommunications provider, the Issuer, merchant, or any other third party in connection with your use of Cause Mobile Wallet.

5.9 No Extension of Credit

ARA and the Issuer are not extending credit in connection with your use of the Cause Mobile Wallet.

6. Privacy

You understand and agree that personal information provided to ARA in connection with the Services is subject to our Privacy Policy. By agreeing to these Terms of Service you hereby agree to the Privacy Policy, which can be found at www.causemobilewallet.com/privacy/, which may be updated by ARA from time to time. You understand and agree that, to the extent permitted by Applicable Law, any data you provide to ARA in connection with the Services may be shared with ARA affiliates and the Issuer, as well as any tax authorities, if necessary.

You may opt-in to providing location data through your mobile device so that the App can provide you with more relevant advertising, payment information, or other services based on your location. If you opt-in to providing location data, you consent to the collection, use, sharing, and onward transfer of location data, as further set forth in the Privacy Policy.

Part 2 – Cause Campaigns

7. Creating a Mobile Wallet.

To create or donate to a Cause Campaign, you must first register an account with Cause Mobile Wallet, which requires opening a Cause Mobile Wallet account with our Partner bank /Issuer using funds from your existing personal bank account. You will need to follow the instructions at the website www.causemobilewallet.com (the “Site”) or in the Cause Mobile Wallet mobile app available for download from the Apple App Store or Google Play (the “App”), and accept the separate Terms and Conditions and Privacy Policy of the Issuer. The Cause Mobile Wallet App and Site allow you to access the funds in your account, make payments, transfer funds from wallet to wallet, and create campaigns for and donate to worthy causes (the “Services”). Subject to the Terms and Conditions of the Issuer, you can use your Cause Mobile Wallet card to make purchases anywhere Visa® is accepted, transfer funds to other Cause Mobile Wallet holders, and donate to campaigns created on the Cause Mobile Wallet platform. To use the Cause Mobile Wallet you must accept all of the terms of this Agreement, and agree to the terms and conditions of the Issuer and any third-party payment processors. See “Opening Your Cause Mobile Wallet Account” in Part 1 of these Terms of Service, for more information.

8. The Crowdfunding Services We Provide

The Services include a donation based fundraising platform enabling campaigns for well-intended, good natured causes. They can be shared via text, email, or social media. The campaign creator determines how the funds will be used as disclosed in the campaign, subject to these Terms of Service. We do not choose or endorse any campaigns, nor do we solicit donations on behalf of any campaigns, nor advise campaign creators on fundraising solicitation efforts or compliance. We merely provide a technology platform to allow campaign creators to connect with other members of the Cause Mobile Wallet App and Site to solicit contributions to his or her cause.

9. Creating a Campaign

Any Cause Mobile Wallet holder may create a campaign for the cause he or she cares about, so long as it is consistent with these terms and conditions. A campaign is created by using the “Create a Campaign” feature found in the Cause Mobile Wallet app and on our website (www.causemobilewallet.com) and following the instructions there. Once a campaign is created, funds donated to the campaign will be held in a separate account unique to the campaign itself. At the conclusion of the campaign, the funds in the account will be paid to the campaign creator, less our fees of 4.5% of the amount raised and any fees (currently 3.5%) for those contributions made using credit cards plus $0.50 per wallet contribution. If the campaign creator is not the final beneficiary of the campaign, he or she will be obligated to thereafter transfer the funds to the beneficiary of the campaign. The maximum amount that may be held in a campaign account at any one time is $50,000. Campaigns must have a fundraising deadline at which time the campaign will be closed and all funds distributed regardless of whether the campaign’s goal has been met. Campaigns may not have any minimum threshold funding amount.

10. Campaign Restrictions

Campaigns must comply with all applicable laws and regulations, and the campaign creator is responsible for ensuring such compliance. We reserve the right to provide information about you and your campaign to law enforcement, donors, and beneficiaries of your campaigns. We reserve the right to remove any campaign created solely for the purpose of fraud, tax evasion, or for any reason involving improper purpose or otherwise. Campaigns may not include:

• Content that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, false, misleading, fraudulent or otherwise objectionable;

• Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law, including, without limitation, the regulations of the U.S. Securities and Exchange Commission or any rules of a securities exchange such as the New York Stock Exchange, the American Stock Exchange or the NASDAQ;

• Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party.

• Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;

• Unsolicited promotions, political campaigning, advertising or solicitations;

• Private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers;

• Viruses, corrupted data or other harmful, disruptive or destructive files; and

• Content that, in our sole judgment, is objectionable or which restricts or inhibits any other person from using or enjoying our service, or which may expose us or our users to any harm or liability of any type.

11. Terms Applicable to Campaign Creators

By creating a campaign, you represent and warrant that: (a) you are raising money for a cause or activity that is legal under all applicable federal, state and local laws and regulations; and (b) you will use all donated funds solely for the purpose you have stated on the site, and under no circumstances may you use the funds for any other purpose. Additionally, if you are raising funds for a non-profit organization (a “Charity”) through the site, you agree that you will comply with all applicable state solicitation laws, and you represent and warrant that such Charity: (i) has and will maintain tax-exempt status under section 501(c)(3) of the Internal Revenue Code; (ii) is registered with the GuideStar database; and (iii) has authorized you to raise money on its behalf through the site.

For each campaign you create, you agree to provide complete and accurate information regarding the campaign, you have the consent of the person or entity you are raising funds for, and you have permission to use their name and likeness and other information in the campaign. If your campaign is to benefit a minor, then you are the parent or guardian or you have express written permission from the parent or guardian to create the campaign and include their name, picture and other information. If your campaign includes any third party intellectual property, such as trademarks, logos, and copyrighted information, then you must have express written permission to include the intellectual property in your campaign.

The campaign you create will be publicly available on the Internet, including in search results on Google, Bing, Yahoo and other search engines.

12. Campaign Fees.

Cause charges a fee of 4.5% on all donations made to a campaign to cover the cost of transferring the funds from the campaign account to the campaign creator’s personal bank account. Additionally, a 3.5% service charge will be assessed on any credit card contributions and $0.50 will be assessed for each wallet contribution. These fees are taken at the time the campaign is closed. There are no additional fees for users making a donation to a campaign, and all such contributions may only be made from funds held in other Cause Mobile Wallets.

13. Donating to a Campaign

In order to donate to a campaign, you must have created your own Cause Mobile Wallet account. All donations are made from your Cause Mobile Wallet account to the campaign. Campaigns are discovered on the Cause Mobile Wallet App or the Site. We do not verify the accuracy of campaigns created by users. Any donations you make are at your own risk. You should carefully review the campaign information and conduct any other background investigation you deem appropriate before making a donation. We are not responsible for fraudulent conduct of the campaign creator or any misuse of the donated funds by the campaign creator or any other beneficiary of the campaign. By donating to a campaign, you are confirming that the donation is legal in your jurisdiction. You also confirm that all donations are made as unrestricted gifts and are final and nonrefundable. You acknowledge and understand Cause will charge a 4.5% fee on the amount of the donation, plus an additional 3.5% on any credit card transaction and $0.50 on any wallet contribution. We make no representation to you regarding tax treatment of any donation you make, and we do not verify whether any campaign has tax exempt status and whether the donation is tax deductible. You should consult with your tax advisor regarding tax treatment of any donations you make, and independently confirm the tax exempt status of a campaign if you intend to deduct the donation from your taxable income.

14. Prohibited Campaigns

Prohibited campaigns include, but are not limited to, any campaign that includes materials including bigotry, racism, sexism, or profanity, use of hurtful or hateful language and violent or hateful material.

Support for unsupported sciences, including any claims that CMW, in its sole and absolute discretion, deems absurd.

Any campaign to promote suicide or assisted suicide even if legal in the state where the campaign is promoted.

Any campaign in support of the mistreatment of wildlife or animals.

Sexually explicit or suggestive children or adult material, services or products and any type of Adult or child pornography or material relating to the adult or child pornography industry.

Any defense of formal charges or claims of crimes, violent, hateful, sexual or discriminatory acts by anyone including but not limited to hate groups or terrorist organizations and any treasonous behavior.  Campaigns in support of the purchase, transfer, or exchange of weapons of any kind including guns, knives, explosives, ammunition, rebel organizations, militias, gangs, or any organized violence against anyone or any government including the funding or planning of an assassination.

The use of inflammatory or accusatory statements against anyone, which include false, misleading or dishonest statements.

Promotion of adult or underage consumption or abuse of alcohol, tobacco, narcotic drugs, products or paraphernalia including the illegal purchase or use of marijuana, non-prescribed drugs or other banned drugs.

Promoting a Pyramid or Ponzi schemes, “get rich quick” schemes, the purchase of annuities, investments, selling equity or return-on-investment deals, raffles or lottery contracts.

Anything involving offshore banking or currency exchanges, including exchange of unrecognized or crypto-currencies.

Any promotion involving betting, gambling, raffles, lotteries, sweepstakes, or offering monetary rewards, including gift cards.

Any campaign that includes photos or descriptions, which include graphic content of injuries or procedures, non-medical or violent bodily mutilation or procedures conducted outside of an accredited medical institution.

The purchase, transfer or production of non-FDA approved ingestible or consumable products and services.

Directly funding an abortion

Part 3 – General Provisions

15. Intellectual Property Rights

The Cause Mobile Wallet App and the Site at www.causemobilewallet.com including without limitation all services and materials, illustrations, designs, icons, navigational buttons, images, artwork, graphics, photography, text, data, audio sound, software, URLs, software code, and the like contained therein, as well as the selection, assembly and arrangement thereof, are owned by Cause, or are licensed by Cause from third parties, and are protected by applicable copyright, trademark, unfair competition, and related intellectual property and proprietary rights. You are granted a limited, non-sub licensable, non-transferable, non-exclusive, revocable license to access and use the Cause Mobile Wallet App and Site and copy and print portions of the materials for your informational, non-commercial and personal use only. Such license does not include the right to (a) any resale or commercial use; (b) distribution, public performance or public display; (c) modifying or otherwise making any derivative uses; (d) use of any data mining, robots or similar data gathering or extraction methods; (e) downloading (other than the page caching) of any portion of the website or application or any information contained therein; (f) any reverse engineering of the App or Site, or (g) any use other than for its intended purpose. Any use of the website or application other than as specifically authorized herein, without the prior written permission of Cause, is strictly prohibited and will terminate the license granted herein. Cause reserves all rights not expressly granted to you in this Agreement. This Agreement does not grant you any rights to Cause’s trademarks or service marks.

If you submit comments or ideas about our services, including without limitation about how to improve the Cause Mobile Wallet or our other products (“Ideas”), you agree that your submission is gratuitous, unsolicited, and without restriction, that it will not place Cause under any fiduciary or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, Cause does not waive any rights to use similar or related ideas previously known to Cause, or developed by its employees, or obtained from sources other than you.

You may not infringe the copyrights and trademarks of others. It is our policy to terminate the access privileges of those who repeatedly infringe the copyright and trademark rights of others. If you believe that your work has been posted on Cause Mobile Wallet in a way that constitutes copyright infringement, please contact us at the address below and provide the following information: (a) an electronic or physical signature of the person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) a description of the copyright-protected work that you claim has been infringed; (c) the location on Cause Mobile Wallet of the material that you claim is infringing; (d) your address, telephone number, and email address; (e) a statement by you regarding your good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (f) a statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. By submitting a copyright infringement notice, you acknowledge and agree that we may forward the information you provide in this notice to the person who uploaded the allegedly infringing material.

You may write to us at:

ARA Technology LLC

Attn: Copyright Agent

419 E. 17th Street Suite 202

Costa Mesa, CA 92627

If you believe that your removed or disabled content is not infringing, or that you have the authorization or right to post and use that content from the copyright owner, the copyright owner’s agent, or pursuant to law, you may send a counter-notice containing the information required by Section 512(g)(3) of the Digital Millennium Copyright Act (17 USC § 512(g)(3)). Cause will forward your counter-notification to the party who submitted the original copyright infringement claim. If the original claimant does not file an action seeking a court order to restrain you from engaging in infringing activity related to the removed or disabled content within 10 business days of receiving the counter-notice from Cause, then Cause may, in its sole discretion, reinstate the removed or disabled material.

Cause makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of third-party Web sites accessible by hyperlink from our website or application, or Web sites linking to our website or application, including those of our payment partners. Such sites are not under our control and Cause is not responsible for the contents of any linked site or any link contained in a linked site, or any review, changes or updates to such sites. Cause provides these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by Cause of any site or any information contained therein. You should review the applicable terms and policies, including privacy and data gathering practices, of any site.

16. User Generated Content

You may have the opportunity to post, stream, transmit or otherwise provide photos, videos, ideas, remarks, questions, data, graphics, opinions, designs, customizations, or other content (including information, if any, on message boards, friend feeds, comments or other forums on the site or through the services (collectively “User Generated Content”) in our application or on our website. You are responsible for all of your User Generated Content and you retain ownership to all User Generated Content. However, by submitting your User Generated Content to Cause, you hereby grant Cause a fully paid, royalty-free, perpetual, irrevocable, worldwide, royalty-free, non-exclusive and fully sub licensable right (including any moral rights) and license to use, license, distribute, reproduce, modify, adapt, publicly perform, publicly display, derive revenue or other remuneration from, and communicate to the public, your User Generated Content (in whole or in part) and/or to incorporate it in other works in any form, media or technology now known or later developed, for the full term of any worldwide intellectual property right, including moral rights, that may exist in your User Generated Content.

You warrant that the holder of any worldwide intellectual property right, including moral rights, in your User Generated Content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. Cause has the right, but not the obligation, to remove any User Generated Content at any time for any reason. Cause shall have no liability for User Generated Content.

You are fully responsible for any content you post as a User or a Donor. You agree by becoming a User or Donor that you will not:

1) Use sexually explicit content, obscenities, copyrighted material, or abusive/hateful language in any area of the site;
2) Use your Cause account for any illegal purposes;
3) Provide information that is not complete and accurate;
4) Attempt to bypass or otherwise circumvent the designated method of payment as provided by Cause.

By visiting Cause’s website or by downloading the mobile application, you are responsible for protecting yourself from content that is offensive or harmful that may have been posted on the website by another user.

17. Security

We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You acknowledge that you provide your personal information at your own risk.

18. Termination

If your Cause Mobile Wallet Account is terminated for any reason or no reason, you agree: (a) to continue to be bound by this Agreement, (b) to immediately stop using Cause Service, (c) that the license provided under this Agreement shall end, (d) that we reserve the right (but have no obligation) to delete all of your information and account data stored on our servers, and (e) that Cause shall not be liable to you or any third party for termination of access to Cause Service or for deletion of your information or account data. You may terminate this Agreement at any time by closing your Cause Service Account and ceasing to use Cause Service. Cause reserves the right to terminate this agreement and/or suspend or delete your User or Donor accounts at our discretion, for any reason or no reason upon notice to you. Cause will have no obligation to provide a refund of any amounts previously paid. If your account remains inactive for any 60 day period, Cause reserves the right to close your account without notice to you.

We may, in our sole and absolute discretion without liability to you or any third party, terminate your use of one or more Services for any reason, including without limitation inactivity or violation of these Terms of Service or other policies we may establish from time to time.

Upon termination of your use of the Services, you remain liable for all Payment Transactions, Wallet to Wallet Payments and any other obligations you have incurred under these Terms of Service. Upon termination, we have the right to prohibit your access to the Services, including without limitation by deactivating your username and password, and to refuse future access to the Services by you or if a business entity, its parent, affiliates or subsidiaries or its or their successors).

19. Warranty Disclaimer

The App and the Site are provided to you “as is” and “as available” and without warranty of any kind, express or implied. WE SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR ANY PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. NO ADVICE OR INFORMATION (ORAL OR WRITTEN) OBTAINED BY YOU FROM US SHALL CREATE ANY WARRANTY. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, ARA AND ITS SUBSIDIARIES AND OTHER AFFILIATES, AND THEIR AGENTS, CO-BRANDERS OR OTHER PARTNERS, INCLUDING BUT NOT LIMITED TO, DEVICE MANUFACTURERS (COLLECTIVELY, “ARA PARTIES”), MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER FOR THE SERVICES OR THE CONTENT, MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SERVICES, OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SERVICES. EACH ARA PARTY DISCLAIMS WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE SERVICES, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. THE ARA PARTIES DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE. THE ARA PARTIES SHALL NOT BE RESPONSIBLE FOR ANY SERVICE INTERRUPTIONS, INCLUDING, BUT NOT LIMITED TO, SYSTEM FAILURES OR OTHER INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION OR SETTLEMENT OF PAYMENT TRANSACTIONS, WALLET TO WALLET PAYMENTS OR THE SERVICES.

THE ARA PARTIES ARE NOT RESPONSIBLE FOR THE ACCURACY OF ANY WALLET BALANCE OR WALLET CARD, INCLUDING, WITHOUT LIMITATION, WHETHER SUCH INFORMATION IS CURRENT AND UP-TO-DATE. WITHOUT LIMITING THE GENERALITY OF THE PRECEDING SENTENCE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT SUCH INFORMATION IS REPORTED BY THE ISSUER AS OF A PARTICULAR TIME ESTABLISHED BY THE ISSUER AND MAY NOT ACCURATELY REFLECT YOUR CURRENT TRANSACTIONS, AVAILABLE BALANCE, OR OTHER ACCOUNT OR PROGRAM DETAILS AT THE TIME THEY ARE DISPLAYED TO YOU THROUGH THE SERVICES OR AT THE TIME YOU MAKE A PURCHASE OR REDEMPTION. YOU MAY INCUR FEES, SUCH AS OVERDRAFT FEES OR OTHER CHARGES AS A RESULT OF SUCH TRANSACTIONS, PER YOUR AGREEMENT WITH THE ISSUER, OR YOUR ATTEMPT TO MAKE A PURCHASE OR REDEMPTION MAY NOT BE SUCCESSFUL.

20. Indemnity

You agree to indemnify, defend and hold harmless ARA and other affiliates, and its and their directors, officers, owners, agents, co-branders or other partners, employees, information providers, licensors, licensees, consultants, contractors and other applicable third parties (including without limitation the Issuer and other Customers) (collectively “Indemnified Parties”) from and against any and all claims, demands, causes of action, debt or liability, including reasonable attorneys fees, including without limitation attorneys fees and costs incurred by the Indemnified Parties arising out of, related to, or which may arise from:

(a) your use or misuse of the App, the Site, or the Services;

(b) any breach or non-compliance by you of any term of these Terms of Service or any ARA policies;

(c) any dispute or litigation caused by your actions or omissions; or

(d) your negligence or violation or alleged violation of any Applicable Law or rights of a third party.

In the event of such a claim, we may elect to settle with the party/parties making the claim, and you shall be liable for the damages as though we had proceeded with a trial or arbitration. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to this indemnification clause, in which case you agree that you’ll cooperate and help us in asserting any defenses.

21. Limitation of Liability

To the fullest extent permitted by law, in no event will any ARA Party be liable for any indirect, incidental, punitive, consequential, special, or exemplary damages of any kind, including but not limited to damages (i) resulting from your access to, use of, or inability to access or use the Services; (ii) for any lost profits, data loss, or cost of procurement or substitute goods or services; (iii) for any conduct of content of any third party on the Site; or (iv) any goods, services, or information purchased, received, sold, or paid for by way of the Services. In no event shall our liability for direct damages be in excess of (in the aggregate) one hundred U.S. dollars ($100.00). WE ARE NOT LIABLE FOR ANY LOSS OR DAMAGE DUE TO ANY USER’S FAILURE TO COMPLY WITH THE TERMS OF THIS AGREEMENT. WE ARE NOT RESPONSIBLE FOR ANY THIRD PARTY CHARITABLE OFFERS THAT MAY TURN OUT TO BE FRAUDULENT, IRRESPONSIBLE, OR OTHERWISE ADVERTISED IN BAD FAITH. WE ARE NOT RESPONSIBLE FOR ANY FAILURES ON THE PART OF OUR THIRD PARTY PAYMENT PROCESSORS.  THE PROVISION OF OUR SERVICE TO YOU IS CONTINGENT ON YOUR AGREEMENT WITH THIS AND ALL OTHER SECTIONS OF THIS AGREEMENT.

22. Dispute Resolution and Governing Law

We are located in Los Angeles, California. We encourage you to contact us if you’re having an issue, before resorting to the courts. In the unfortunate situation where legal action does arise, these Terms (and all other rules, policies, or guidelines incorporated by reference) will be governed by and construed in accordance with the laws of the State of California and the United States, without giving effect to any principles of conflicts of law, and without application of the Uniform Computer Information Transaction Act or the United Nations Convention on Contracts for the International Sale of Goods. You agree that the Cause Mobile Wallet App and Site and its Services are deemed a passive website that does not give rise to jurisdiction over Cause or its parents, subsidiaries, affiliates, assigns, employees, agents, directors, officers, or shareholders, either specific or general, in any jurisdiction other than the State of California.

You agree that any action at law or in equity arising out of or relating to these Terms, or your use or non-use of the Cause Mobile Wallet, shall be filed only in the state or federal courts located in Los Angeles County in the State of California, and you hereby consent and submit to the personal jurisdiction of these courts for the purposes of litigating any such action. You hereby irrevocably waive any right you may have to trial by jury in any dispute, action, or proceeding.

23. Communications.

Electronic communications from Cause may be sent to you to inform you about the Services and campaigns you are associated with. You agree to allow Cause to send these communications to your email address. You agree that you are liable for any communications you send to potential donors promoting a campaign. These communications include, but are not limited to, “share” emails sent through the Cause website or App and communications sent outside of the Cause website or mobile App.

24. Miscellaneous Provisions

These Terms and the other material referenced in them are the entire agreement between you and ARA Technologies, LLC with respect to the Services. They supersede all other communications and proposals (whether oral, written, or electronic) between you and ARA Technologies, LLC with respect to the Services and govern our future relationship. If any provision of these Terms is found to be invalid under the law, that provision will be limited or eliminated to the minimum extent necessary so that the Terms otherwise will remain in full force and effect and enforceable. The failure of either you or ARA Technologies, LLC to exercise any right provided for in these Terms in any way won’t be deemed a waiver of any other rights. These Terms are personal to you. You can’t assign them, transfer them, or sublicense them unless you get our prior written consent. ARA Technologies, LLC has the right to assign, transfer, or delegate any of its rights and obligations under these Terms without your consent. We will provide you notice via email, written notice, or by conspicuously posting the notice on our Site. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. The Terms of Service is not intended and shall not be construed to create any rights or remedies in any parties other than you and ARA and other ARA affiliates, each of which shall be a third party beneficiary of the Terms of Service, and no other person shall assert any rights as a third party beneficiary hereunder.

25. Right to Amend.

We have the right to change or add to the terms of this Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Services with notice that we in our sole discretion deem to be reasonable in the circumstances, including such notice on our website or in the App. Any use of Services after our publication of any such changes shall constitute your acceptance of this Agreement as modified. However, any dispute that arose before the modification shall be governed by the Agreement (including the binding individual arbitration clause) that was in place when the dispute arose.

26. No Endorsement of Products

We do not represent or endorse, and shall not be responsible for:

(a) the reliability or performance of any Seller, merchant or Third Party Provider;

(b) the truth or accuracy of the description of any Product, or of any advice, opinion, offer, proposal, statement, data or other information (collectively, “Content”) displayed or distributed, purchased or paid through the Service; or

(c) your ability to buy or redeem Products using the Services. ARA hereby disclaims any liability or responsibility for errors or omissions in any Content in the Services. ARA reserves the right, but shall have no responsibility, to edit, modify, refuse to post or remove any Content, in whole or in part, that in its sole and absolute discretion is objectionable, erroneous, illegal, fraudulent or otherwise in violation of these Terms of Service.

27. Responsibility for Taxes

The reporting and payment of any applicable taxes arising from the use of the Services is your responsibility. You hereby agree to comply with any and all applicable tax laws in connection with your use of the Services, including without limitation, the reporting and payment of any taxes arising in connection with Payment Transactions made through the Services, or income received through Wallet to Wallet Payments.

28. Username and Password Information

You are responsible for:

(a) maintaining the confidentiality of your username and password,

(b) any and all transactions by persons that you give access to or that otherwise use such username or password, and

(c) any and all consequences of use or misuse of your username and password. You agree to notify us immediately of any unauthorized use of your username or password or any other breach of security regarding the Services of which you have knowledge.

29. Electronic Communications

ARA and Third Party Providers may be required to provide certain disclosures, notices and communications (collectively “Communications”) to you in written form. Pursuant to these Terms of Service, we will deliver such Communications to you in electronic form. Your agreement to the Terms of Service confirms your ability and consent to receive such Communications electronically, rather than in paper form.

29.1 Electronic delivery of communications

You agree and consent to receive electronically all Communications provided to you in connection with your Wallet Account and your use of the Services. Communications include:

(a) agreements and policies you must agree to in order to use the Services (e.g., these Terms of Service and the Payments Privacy Notice), including updates to those agreements and policies;

(b) payment authorizations and transaction receipts or confirmations;

(c) account statements and history; and,

(d) all other communications or documents related to or about your account and your use of the Services.

Electronic Communications shall be deemed to be received by you upon delivery in the following manner:

(a) posting them to your Wallet Account on the Wallet website or in the Wallet mobile application;

(b) posting them on or in a website or mobile application associated with ARA or the Services;

(c) sending them via electronic mail to the email address you used to create your ARA Wallet Account registrations; or

(d) otherwise communicating them to you via the Services.

It is your responsibility to open and review Communications that we deliver to you through the methods described above. We may, but are not obligated to under these Terms of Service, provide you with notice of the availability of a Communication that is delivered in one of the methods described above (for example, by informing you of such Communication through a notification sent to your mobile device).

You should maintain copies of electronic Communications by printing paper copies or saving electronic copies, as applicable.

29.2 Hardware and software requirements

In order to access and retain electronic Communications, you will need to maintain or have access to the following computer hardware and software at your own expense:

(a) a computer or mobile device with Internet or mobile connectivity;

(b) a current updated web browser that includes 128-bit encryption with cookies enabled;

(c) the appropriate mobile application, in the case of Communications delivered in such application,

(d) software capable of opening documents in PDF format;

(e) access to the valid email address provided upon User’s creation of the Cause account; and,

(f) sufficient storage space to save past Communications or a printer to print them.

By giving your consent to these Terms of Service, you confirm that you are able to meet the above requirements, and that you can receive, open, and print or save any Communications referenced in these Terms of Service for your records.

29.3 Requesting additional copies and withdrawing consent

The following additional terms will apply to such electronic Communications:

(a) you may contact ARA to request another electronic copy of the electronic Communication without a fee;

(b) you may request a paper copy of such electronic Communication within ninety days of the original Communication issuance date, and ARA or the Third Party Provider, as applicable, reserves the right to charge a fee to provide such paper copy;

(c) you may contact ARA at info@causemobilewallet.com to update your registration information used for electronic Communications or to withdraw consent to receive electronic Communications; and

(d) ARA or the Third Party Provider reserves the right to terminate your use of the Cause Mobile Wallet and the associated Third Party Provider products and services if you decline or withdraw consent to receive electronic Communications.