Terms & Conditions

READ THESE TERMS BEFORE USING THE SERVICES. IF YOU DO NOT AGREE WITH ALL OF THE BELOW TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

EXECUTE TRANSACTIONS WITH CARE: KEETA ENDEAVORS TO EXECUTE ALL TRANSACTIONS IN REAL-TIME. SINCE TRANSFERRED FUNDS ARE TYPICALLY DEPOSITED IN THE DESIGNATED RECIPIENT’S ACCOUNT IN REAL-TIME THERE IS TYPICALLY NO OPPORTUNITY FOR CANCELLATION OR REFUND OF USER-EXECUTED TRANSACTIONS.

ARBITRATION NOTICE: THIS AGREEMENT INCLUDES A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO SECTION 10 BELOW FOR MORE INFORMATION. IF YOU DO NOT WANT THIS ARBITRATION PROVISION AND CLASS ACTION WAIVER TO APPLY, YOU MUST CONTACT US AT [email protected] WITHIN 30 CALENDAR DAYS OF THE DATE ON WHICH YOU ELECTRONICALLY SIGN THESE TERMS.

This is an Agreement between you and Keeta Financial Services, Inc., Keeta, Inc., Keeta Financial Services Canada ULC, Hyperjump Servicios S. de R.L. de C.V., Keeta Financial Services UK Limited, Keeta Serviços de Tecnologia Financeira do Brasil Ltda., and/or UAB Keeta Financial Services EU (“Keeta," "us," "we," or "our"). These Keeta Terms of Service (the entire agreement referred to as “Terms” or “Agreement”) govern your use of the Keeta website and any product, feature or service offered through the Keeta website, the Keeta mobile application, APIs and other Keeta materials, including, but not limited to, any deposit product, credit product, debit card, savings product, foreign exchange/remittance product, payment product, and/or other financial service offered by or through Keeta or its service providers (collectively, the “Services”). As used herein, “service providers” shall mean those third parties Keeta uses to help provide, operate, administer, develop, and improve the Services.

By opening, registering, or using a Keeta Account, or by otherwise using the Services, you agree to be bound by this Agreement and consent to receive communications related to the Services or your Keeta Account in electronic format (as set forth in our E-Sign Notice - which also provides for the provision of disclosures electronically and your consent to agree to this and other agreements electronically). You affirm that you are at least eighteen (18) years of age and legally capable of entering into this Agreement.  You also agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement, including our Privacy Policy, Arbitration Provision and Class Action Waiver, even if you do not obtain any product or Service from us. 

By accepting these Terms, you also agree to our Privacy Policy, Cookie Policy, E-sign Notice, Fees page, region-specific Cardholder Agreement and Privacy Notice, and any other agreement found here that apply to services of ours that you use, as well as the Terms and Conditions of our partner CurrencyCloud in the UK and/or EU, if you are a customer of those regions.

1. Access to Keeta Services

To access our Services, you will need a working connection to the internet via a web browser or an app on your computing device for which you are responsible for all costs, expenses, and fees. From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons, the Services may not be available for your use. We endeavor to minimize the periods of time during which the Services are unavailable. You agree that we shall not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of the unavailability of the Services, regardless of whether it could be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. We shall also not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the Services caused directly or indirectly, in whole or in part, by your computing device, your inability to establish a connection to the internet, your internet service provider, or capacity or other limitations or constraints of the internet. 

The Services are not intended for use by persons residing in any country or other jurisdiction where such use would be contrary to applicable laws or regulations. We may restrict your access to the Services during times you are in a country or other jurisdiction for which use of the Services would be prohibited or would, in our discretion, present risk to Keeta. You are responsible for compliance with all local laws. By offering information, products, or services via the Services, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law. 

To open a Keeta Account, you must be 18 years or older. However, we may offer accounts to applicants who are 16 years or older as part of programs offered through partnerships.

We may at any time, with or without cause, and without prior notice to you, deny you access to the Services. We may terminate any Service in whole or in part at any time without prior notice to you. Unless we specify otherwise, the termination of a Service will not affect any applications you have submitted in connection with such Service or any existing transactions you have entered into with us through such Service. 

Your use of the Services is limited to the intended function of the Services. Unauthorized use of the Services and related systems, including but not limited to unauthorized entry into any of our systems or misuse of any information posted on the Services, is strictly prohibited. You are prohibited from using the Services in any manner that:

• Constitutes a commercial use other than for your own personal use;
• Accesses data that is not intended for you;
• Invades the privacy of, obtains the identity of, or obtains any personal information about any other user of the Services;
• Probes, scans, or tests the vulnerability of the Services or our network or breach security or authentication measures without proper authorization;
• Attempts to interfere with services to any user, host, or network or otherwise attempts to disrupt our business, including, without limitation, via means of submitting a virus to the Services, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing”;
• Sends unsolicited mail, including promotions and/or advertising of products and services;
• Is unlawful, fraudulent, or deceptive;
• Communicates any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material;
• Encourages conduct that would constitute a criminal offense or that gives rise to civil liability;
• Violates the Terms or any other policies or agreements that you enter into with us;
• Fails to comply with applicable third-party terms; or
• Constitutes any other inappropriate conduct, as determined by us in our sole discretion.

If you violate any provision of these Terms, your permission to use the Services will terminate. Additionally, we, in our sole discretion may terminate your user account or suspend or terminate your access to the Services at any time, with or without notice. 

2. Verification Requirements

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 person who opens an account. 

What this means for you: When you open a Keeta Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. If all required documentation or information is not provided, Keeta may be unable to open an Account or establish a relationship with you. For legal reasons, all information you provide during the signup process or any time thereafter must be complete, accurate and truthful. You are responsible for keeping your mailing address, email address, telephone number, and other contact information up-to-date in your Keeta Account profile.  

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Keeta and/or its service providers for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how to see how we treat your data. 

We may refuse to provide or may discontinue providing the Services to any person or entity at any time for any reason. We treat all activities under a Keeta Account to be those of the registered user. You must only use the Services to transact on your own account and not on behalf of any other person or entity.  You may only open one Keeta Account unless we explicitly approve the opening of additional accounts. We may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Keeta may close or merge these duplicate accounts without notification to you.

3. Data Collection

Use of our Services involves the collection and/or use of certain data. When you use our Services we maintain records of your use of our Services, including but not limited to know-your-customer information, account funding sources, account balances, financial transactions, information on payment recipients, messages, complaints, communications, savings and spending patterns and activity, and you may give us access to collect your financial data from other sources external to Keeta (collectively “Transaction Data”).

Subject to the Privacy Disclosures, you grant Keeta, its affiliates, service providers, and partners a license to use Transaction Data for the Services and to provide, operate, administer, develop, and improve the Services. Keeta and the service providers may use, modify, display, distribute, and create new material using the Transaction Data to provide Services to you. 

By using the Services, you authorize us and our service providers to access third party sites, servers, or documents on your behalf, to retrieve information to register for accounts requested by you, or otherwise use the information to provide the Services to you.

Keeta and its service providers may also use, sell, license, reproduce, aggregate, distribute, and disclose personal non-identifying Information that is derived through your use of the Services. Personal non-identifying Information means information about a person and that person’s characteristics or activities that has been stripped of any information used to identify or contact that person. Personal non-identifying Information may include, for example, a person’s demographic profile, financial profile, city of residence, or other non-identifying characteristics. By submitting the Transaction Data, you expressly agree that Keeta and its service providers may use the Transaction Data for the purposes set forth in this Agreement. 

To the extent permitted by applicable law, under no circumstances will Keeta be liable in any way for any errors or omissions, modifications, loss, or deletion of any Transaction Data, or any damage incurred as a result of the use of or reliance upon any Transaction Data. 

Keeta reserves the right to retain, remove, delete, or modify any or all of the Transaction Data at any time, subject to applicable regulatory retention requirements, without prior notice and in its sole discretion for any reason or no reason.

4. Shared Accounts

Keeta account-owners may provide, or be provided with, access to shared accounts, which make it possible for you to share Transaction Data with others. By providing someone with access to a shared account, you authorize that person to access funds and information associated with that shared account. Additionally, as the creator of a shared account, you agree to share all information relating to that account (including all its Transaction Data). 

5. Communications

If you submit an email address to us through the Services, we may use your email address to communicate with you electronically. Email is not secure and you understand that there are risks associated with communicating via email, including the possibility of unauthorized access, failure to receive emails because they have been misdirected or sent to a spam folder, and your inability to access email due to power outages, hardware, or software malfunctions or failures of your computing device, or matters affecting the internet or your access to the internet. For security reasons, we may not be able to respond to certain email requests.

You authorize us to send you push notifications to communicate with you. You can opt out of receiving push notifications through your device settings. Note that opting out of receiving push notifications may impact your use of the Services.

AUTHORIZATION TO CONTACT YOU BY TELEPHONE AND/OR TEXT MESSAGE: BY PROVIDING US WITH A TELEPHONE NUMBER, YOU EXPRESSLY AUTHORIZE KEETA AND ITS AFFILIATES, AGENTS, AND INDEPENDENT CONTRACTORS TO DELIVER OR CAUSE TO BE DELIVERED TELEPHONE CALLS OR TEXT MESSAGES OR ALERTS, INCLUDING CALLS USING AN AUTOMATIC TELEPHONE DIALING SYSTEM OR ARTIFICIAL OR PRERECORDED VOICE, OR TEXTS MADE FOR ADVERTISING PURPOSES OR THAT CONSTITUTE TELEMARKETING, TO THE TELEPHONE NUMBER YOU PROVIDE US. MESSAGE, DATA, AND CALL RATES MAY APPLY. TO OPT OUT AT ANY TIME, REPLY “STOP”. RECEIVING THESE CALLS OR TEXTS IS NOT REQUIRED AS A CONDITION TO MAINTAIN A KEETA ACCOUNT; YOU CAN HAVE A KEETA ACCOUNT EVEN IF YOU OPT OUT. IF YOU OPT OUT, YOU WILL BE LIMITING THE WAYS IN WHICH WE MAY DELIVER IMPORTANT INFORMATION TO YOU, THE REPERCUSSIONS OF WHICH YOU WILL BE SOLELY RESPONSIBLE FOR.

6. Security

We have taken steps to protect the privacy and security of your personal information as well as your financial transactions with us. Although we use administrative, technical, and physical security measures designed to protect your account and other personal information, the internet is a public network, and we cannot guarantee that any information transmitted or transactions conducted via the internet are absolutely secure or that a third party will not be able to access or intercept your Transaction Data. We are not responsible for any unauthorized access to your devices or your internet connections, including but not limited to electronic viruses that you may encounter as you use your devices and the internet. 

We are committed to stopping fraud and reserve the right to take all reasonable measures to detect and prevent it. For security purposes, we may view, monitor, and record activity on the Services without notice or permission from you. Any information obtained by monitoring, viewing, or recording, may be subject to review by law-enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Services. We will also comply with court orders involving requests for such information. Actual or attempted fraud or other unauthorized use of the Services may result in criminal and/or civil prosecution and immediate termination of your right to use the Services. We may (but are not obligated to) suspend your Keeta Account or otherwise restrict its functionality if we have concerns about the security of your Keeta Account or any of its security features; or potential unauthorized or fraudulent use of your Keeta Account or any of its security features. 

To protect the security of your information, we may require you to authenticate your identity (i.e., prove that you are who you say you are) to conduct certain transactions using the Services. Use of unique login information may be required to access certain portions of the Services. You acknowledge that your login information is unique, and that it must be kept private and confidential to protect the security of your account. You agree not to give or make available your login information to any unauthorized individual. If you believe your login information has been compromised, lost, or stolen, someone has attempted to use your account, or your account has been accessed by someone other than yourself, you must notify us immediately using the contact information below. If you lose or forget your login information, contact us immediately. If you fail to notify us, you may be liable for all unauthorized activity on your account. You can notify us at [email protected].

7. Closing Your Account

We may close your account at any time for any reason or no reason without prior notice. You can request to close your account at any time by emailing us at [email protected]. 

At the time of closure, if you still have money in your Keeta Account, you must withdraw your money within a reasonable period of time. You must not close your Keeta Account to avoid an investigation. If you attempt to close your Keeta Account during an investigation, we may hold your money until the investigation is fully completed. You agree that you will continue to be responsible for all obligations related to your Keeta Account even after it is closed.

8. Our Content.

Keeta may provide general information about our products and services. Your eligibility for particular products and services is subject to our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or Services at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. Although we try to provide accurate and timely information on the Services, there may be inadvertent, technical, or factual inaccuracies and typographical errors. For these reasons we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items describing the Services. 

The copyrights in all Keeta’s content, including but not limited to all software, text, logos, expressions, music, images, screens, icons, and ideas (collectively, the “Content”), are owned by Keeta and/or third parties. Except as provided below, none of the Content may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without our prior written permission or that of the copyright owners. Unauthorized use of any Content may violate copyright laws, patent laws, trademark laws, the laws of privacy and publicity, and/or various communication regulations and statutes.

The Services may contain links to sites and/or applications (collectively “linked sites”) provided by third-party providers, such as social media websites and product partners. Such linked sites are not under the control of Keeta, and Keeta is not responsible for the content of any linked site or any link contained in a linked site. These linked sites are being provided for your convenience. If you visit one or more linked sites, you do so at your own risk subject to the terms and conditions established by the operator/s of such linked sites. The fact that we provide  links to linked sites does not mean we endorse, authorize, or sponsor that third-party resource, or that we are affiliated with the third-party's owners, sponsors, and/or partners.

9. Warranties / Limitations of Liability / Indemnification 

OUR SERVICES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THE SERVICES, OR FROM YOUR USE OF, OR INABILITY TO USE, THE SERVICES OR ANY INFORMATION PROVIDED ON THE SERVICES; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY EMAIL OR OTHER ELECTRONIC MEANS OR RECEIVING EMAILS FROM YOU; EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THE SERVICES WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED BY US OR AFFILIATED WITH US.

You agree to indemnify and hold us harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys' fees and costs, incurred by us in connection with any claim by a third party (including any intellectual property claim) arising out of your use of the Services in violation of these Terms or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent. 

10. Copyright Infringement

If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (DMCA), the Notification must include substantially the following:

• your physical or electronic signature;
• identification of the copyrighted work you believe to have been infringed;
• identification of the material on the Services that you believe is infringing the copyright in a sufficiently precise manner to allow us to locate the material;
• your contact information including your name, mailing address, telephone number and, if available, email address;
• a statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law;
• a statement that the information in the notice is accurate; and
• a statement, under penalty of perjury, that you are the copyright owner or are authorized to act on behalf of the copyright owner.

Pursuant to the Digital Millennium Copyright Act, 17 U.S.C. Sec. 512(c), the Designated Agent for Claimed Infringement shall be contacted at [email protected]. If you do not comply with the above requirements, your notice may not be effective. If you knowingly misrepresent that materials on the Services infringe a copyright, you may be held liable for damages, including costs and attorney’s fees under Section 512(f) of the DMCA. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney.

11.  ARBITRATION PROVISION / CLASS ACTION WAIVER / JURY TRIAL WAIVER / CHOICE OF LAW

This Arbitration Provision does not apply to any credit card or other product that constitutes “consumer credit” under the Military Lending Act (or its implementing regulations) that you may obtain from or through us if you are a Covered Borrower under the Military Lending Act at the time you obtain such product.

THIS ARBITRATION PROVISION AFFECTS YOUR RIGHTS. PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS. EXCEPT AS OTHERWISE NOTED, CAPITALIZED TERMS HAVE THE MEANING SPECIFIED IN THESE TERMS.

Except as otherwise explicitly provided in this Arbitration Provision, Keeta and any bank, financial institution, service provider, or other entity with which Keeta partners, together with their parent companies, wholly or majority-owned subsidiaries, affiliates, commonly-owned companies, successors, assigns and any of these entities’ employees, officers, directors and agents and their successors, assigns, affiliates and service providers (individually, a “Transaction Party”, and collectively, the “Transaction Parties”) and you elect to resolve any past, present or future dispute or claim (“Dispute”) arising from or relating in any way to the Services, these Terms or any agreement governing the Services that cannot be resolved directly between you and a Transaction Party, by binding arbitration under the Consumer Arbitration Rules (the “Consumer Rules”) of the American Arbitration Association (“AAA”), rather than in court. The term Transaction Parties also includes any third party providing any goods and/or services in connection with the Services on behalf of a Transaction Party, if that third party is named as a defendant along with a Transaction Party in a single proceeding.

Except as otherwise explicitly provided in this Arbitration Provision, “Dispute” broadly includes, without limitation: any claims based in contract, statute, ordinance, tort, fraud, consumer rights, misrepresentation, equity or any other legal theory; initial claims, counterclaims, cross-claims and third-party claims; federal, state and local claims; and claims which arose before the date of your obtaining the Services, including, but not limited to, any dispute or claim arising before the date you obtained the Services or agreed to these Terms.

The Federal Arbitration Act (“FAA”) and federal arbitration law apply to this Arbitration Provision. There is no judge or jury in arbitration and court review of an arbitration award is limited, but an arbitrator can award an individual the same damages and relief as a court in an individual case and must apply and follow applicable substantive law, consistent with the FAA, these Terms and any agreement governing the Services. The arbitrator shall apply applicable statutes of limitations and honor privilege rules. Any judgment on the award rendered by the arbitrator will be final and may be entered in any court of competent jurisdiction. No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.

YOU UNDERSTAND THAT ABSENT YOUR CONSENT TO ARBITRATION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A TRIAL BY JURY.

Either you or a Transaction Party may initiate arbitration through AAA, or by filing a motion to compel arbitration of claims filed in court. Regardless of who elected arbitration or how arbitration was elected, the party asserting the claim (i.e., the party seeking money damages or other relief from a court or an arbitrator) is responsible for starting the arbitration proceeding. If the AAA cannot serve, the parties by mutual consent or a court with jurisdiction shall select the arbitrator, who will apply the AAA rules and the procedures specified in this Arbitration Provision. Any arbitration will be governed by the Consumer Rules in effect on the date the arbitration is filed, and its Procedures for the Resolution of Disputes through Document Submission (“Document Submission Procedures”). (For more information about the AAA and its rules, you may contact the AAA at American Arbitration Association, 120 Broadway, Floor 21, New York, N.Y 10271, 1-800-778-7879, www.adr.org). The Document Submission Procedures are included in the Consumer Rules. Your arbitration filing fees will be governed by the Consumer Rules. If it is determined by the arbitrator that you cannot afford such fees, a Transaction Party will pay all arbitration administrative and arbitrator fees and expenses. The arbitration will be conducted solely based on written submissions and will not require any personal appearance by the parties or witnesses unless the arbitrator determines that a telephonic or in-person conference or hearing is necessary based on the request of one or more of the parties.

Even if all parties have opted to litigate a Dispute in court, a party may elect arbitration with respect to any claim made by a new party or any claim later asserted by a party in that or any related or unrelated lawsuit (including a claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Provision.

You and the Transaction Parties agree that any Disputes seeking to enforce or protect, or concerning the validity of intellectual property rights will not be subject to binding arbitration under this Arbitration Provision. In addition, pursuant to the Consumer Rules, any party may proceed with their individual claims in small claims court if that option is available in the applicable jurisdiction and the amount in controversy falls within the small claims court’s jurisdictional limits; but if that action is transferred, removed or appealed to a different court, arbitration must be elected.

Notwithstanding any of the foregoing, disputes or controversies about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof are for a court and not an arbitrator to decide; however, disputes or controversies about these Terms or your agreements governing the Services or with Transaction Parties as a whole are for an arbitrator and not a court to decide.

CLASS ACTION WAIVER: You and the Transaction Parties each agree that each party may only bring claims against the other on an individual basis and not as a class, consolidated or representative action. To the fullest extent permitted by law: (a) no arbitration will be joined or consolidated with any other; (b) there is no right or authority for any Dispute to be arbitrated on a class-action or private attorney general basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. No arbitrator shall have the authority to issue any relief that applies to any person or entity other than Transaction Parties and/or you individually.

SURVIVAL OF ARBITRATION PROVISION AND CLASS ACTION WAIVER: If any portion of this Arbitration Provision is inconsistent with the Consumer Rules or with these Terms or your agreements governing any Services or with Transaction Parties, this Arbitration Provision shall govern. This Arbitration Provision shall survive termination of any Services or of any agreement into which you enter with a Transaction Party and any withdrawal or denial of or determination on any application for Services; and, further, you understand and agree that this Arbitration Provision applies not only to these Terms but also to any subsequent agreement (including without limitation any agreement governing any Service) into which you enter with a Transaction Party. If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, except that: (A) If the Class Action Waiver is limited, voided or found unenforceable and that determination becomes final after all appeals have been exhausted, then this Arbitration Provision (except for this sentence) shall be null and void with respect to such proceeding. The parties acknowledge and agree that under no circumstances will a class action be arbitrated; and (B) if a claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver or elsewhere in this Arbitration Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such claim (and that determination becomes final after all appeals have been exhausted), the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a claim for public injunctive relief be arbitrated.

RIGHT TO OPT OUT: If you do not want this Arbitration Provision and Class Action Waiver to apply, you must contact us at [email protected] within 30 calendar days of the date on which you electronically sign these Terms. Opting out will not affect the other provisions of these Terms or any other agreement governing the Services or with a Transaction Party. If you do not opt out, you will be bound by this Arbitration Provision in these Terms and any other agreement governing the Services or with a Transaction Party.

WAIVER OF RIGHT TO TRIAL BY JURY

WE AND YOU ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT BUT MAY BE WAIVED IN CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND US (INCLUDING ANY TRANSACTION PARTY) KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED TO THIS AGREEMENT OR YOUR RELATIONSHIP WITH KEETA OR ANY TRANSACTION PARTY. THIS JURY TRIAL WAIVER SHALL NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION THE ARBITRATION AND CLASS ACTION WAIVER PROVISION SET FORTH IN THE NEXT SECTION, IF APPLICABLE, WHICH CONTAINS ITS OWN SEPARATE JURY TRIAL WAIVER.

CHOICE OF LAW

These Terms and their enforcement shall be governed by the laws of the State of California, without regard to any conflict or any choice of law provision, and shall enure to the benefit of our successors and assigns, whether by merger, consolidation, or otherwise. To the extent that any dispute arising under these Terms is not arbitrated, you consent to the exclusive jurisdiction of, and agree that such dispute may be resolved by, courts located in Los Angeles County, California or the U.S. District Court for the Central District of California, Los Angeles Division. If we are successful in any such action, suit or judicial proceeding, you agree that we shall be entitled to recover to the extent permitted by law, our reasonable attorneys’ fees and court costs.

12. Accessibility

Keeta is committed to providing accessible banking services to the public. If you seek a reasonable accommodation, encounter a question with a feature or function, or have other accessibility-related feedback, please contact us at [email protected] and request to speak with our Accessibility Coordinator. We make no guarantees of being able to make changes beyond those required by law. Our products also contains experiences or links hosted by third party providers and we do not make any representations with regard to the accessibility of such experiences and are not able to remediate accessibility barriers presented by such experiences.

13. No Waiver

No failure, omission, or delay on our part to exercise any right under these Terms will preclude any other further exercise of that right or other right under these Terms.

14. Severability

If any provisions in these Terms (excluding the Arbitration Provision) change due to applicable law or are declared invalid by order of a court, the remaining provisions of these Terms will not be affected, and these Terms (excluding the Arbitration Provision) will be interpreted as if the invalid terms had not been placed in these Terms. 

15. Assignment

You may not assign your rights or delegate your duties under these Terms.

16. Changes to These Terms 

You agree that we may from time to time amend all or any part of these Terms, including, without limitation, establishing, increasing, or decreasing the fees and charges for products and services made available through the Services and changing the features and functionality to the Services. We will notify you electronically of any change to these Terms as required by applicable law. Any such changes shall take effect as soon as they are posted on the Services (or, if we provide advance notice of the change, on the date specified in any such notice). Your use of the Services after the effective date of the change shall constitute your agreement to be bound by the terms of the change. You should also review these Terms periodically for any changes. Notwithstanding any provision of these Terms or of any other agreement governing the Services or with a Transaction Party to the contrary, we will not amend the Arbitration Provision in a manner that adversely affects your rights or responsibilities in a material manner unless we give you a right to reject the amendment and/or the Arbitration Provision in its entirety.

17. Contact Us

If you have any questions about these Terms, please contact us at [email protected].

18. Complaints

If you have any questions about the services, please contact us at [email protected].

When Keeta investigates a complaint, we will rely on information provided by the customer and information already on file. To help Keeta investigate the complaint quickly and efficiently, we will require the customer to provide the following information:

• Name and contact information
• Transaction information (ex., date/time, amount, etc.)
• The type of complaint or error asserted by the customer, and
• Any other relevant details or information related to the complaint

If a customer needs assistance in making or submitting a complaint, the customer can contact Keeta at [email protected].

Depending on the nature of the complaint, Keeta may contact the customer to clarify information provided within the original complaint and obtain the following additional information:

• Details regarding any steps the customer has already taken to resolve the complaint
• Details related to any conversations the customer may have had with Keeta that may be relevant to the complaint
• Copies of any documentation which support the complaint

UK Residents: If, for whatever reason, you are unhappy with the resolution of your complaints, you can contact the UK’s Financial Ombudsman Service (FOS) either by mail, using an online form or telephone. Further details and how to contact FOS can be found here.

EU Residents: If, for whatever reason, you are unhappy with the resolution of your complaints, you may be able to refer your complaint to the Financial Services Complaints Tribunal (KiFiD): Postbus 93257 2509 AG, DEN HAAG Telephone: 070-333 8 999 www.kifid.nl

FOR CANADIAN RESIDENTS

The Financial Consumer Agency of Canada (“FCAC”) supervises federally regulated financial institutions to ensure that they comply with federal consumer protection laws. The FCAC also helps educate consumers, and it monitors industry codes of conduct and public commitments designed to protect the interests of consumers. The FCAC does not handle complaints involving service quality, loan and credit granting policies, contractual matters, or other general service issues. If you have a concern regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you may communicate your concern – at any time – to the FCAC, either in person, by letter, by telephone, or through its website at: 1-866-461-3222 (English) or 1-866-461-2232 (French) or write to: Financial Consumer Agency of Canada 6th Floor, Enterprise Building 427 Laurier Avenue West Ottawa, ON K1R 1B9 Website: www.fcac-acfc.gc.ca. Further detail regarding your options in bringing any concerns or complaints to our attention, including options that are specifically available to residents of Quebec, can be found on our Website at: www.peoplesbank.ca/en/about-us/resolving-your-concerns.