Terms of Services

Mastercard^® Corporate Purchasing Terms of Use

CUSTOMER SERVICE CONTACT INFORMATION:

Address: Cardholder Services, P.O. BOX 7235 SIOUX FALLS, SD 57117-7235

Website: ua.getdash.io

Phone Number: 1-833-848-5768

IMPORTANT NOTICES:

THIS CARD IS ESTABLISHED FOR BUSINESS OR COMMERCIAL PURPOSES, AND NOT INTENDED FOR ANY PERSONAL, FAMILY, OR HOUSEHOLD USE.
PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.
ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE IN THE CARD ACCOUNT. MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE THE ACCOUNT BALANCE. TO FIND OUT WAYS YOU CAN FIND YOUR ACCOUNT BALANCE, CONTACT CUSTOMER SERVICE.
BY USING THE CARD, YOU AGREE TO THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS, CALL CUSTOMER SERVICE TO CLOSE THE CARD ACCOUNT.

These Terms of Use (“Terms”) sets forth the terms and conditions under which the Mastercard Corporate Purchasing Card (“Card”) has been issued by Pathward^®. “You” and “your” means the person who has received and is authorized to use the Card from the Corporate Sponsor for business purposes as provided for in these Terms. “We,” “us,” and “our” mean collectively, Pathward, a federally chartered savings bank, member FDIC, and its divisions, successors, affiliates or assignees, and also includes, unless otherwise indicated, our Program Manager. “Program Manager” refers to Prepaid Technologies Inc., who performs certain services related to your Card on our behalf. “Corporate Sponsor” means the business entity funding the Card account who requested that the Card be issued and who owns and has the authority to place funds in the Card account. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read these Terms carefully and keep it for future reference.

1. ABOUT THE CARD

The Card is a prepaid card, which allows you to access funds loaded to the Card account by the Corporate Sponsor. There is not an account established on your behalf in connection with the Card. This Card has been issued for business-related purposes such as making purchases for business-related travel or other expenses. You have no rights to the funds on the Card, except authorized use of the funds in accordance with these Terms and approval by the Corporate Sponsor. The funds belong to the Corporate Sponsor, and the underlying funds on deposit with us are FDIC insured for the Corporate Sponsor’s benefit. You should treat the Card with the same care as you would treat cash. The Card account does not constitute a checking or savings account and is not connected in any way to any other account you may have. All use of the Card account or any Card may be subject to audit. In the event we believe a Card is used for consumer purposes, we may close your Card account and cancel all Cards. The Card does not constitute a checking or savings account and is not connected in any way to any other account you may have. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card is not a credit card. We may close the Card or refuse to process any transaction that we believe may violate these Terms or represents illegal or fraudulent activity. The funds in the Card account are held in a custodial account with us on your company’s behalf and are insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance.

2. USING THE CARD

a. Accessing Funds and Limitations

The Card can only be funded by the Corporate Sponsor. Please see the “Limits” section below for load and balance limitations. Each load may be subject to a fee pursuant to the fee table. We will reject any loads that exceed the maximum balance allowed on the Card.

In no event may the Card account be used to conduct illegal transactions. For security reasons, we may limit the amount or number of transactions you can make with the Card. We may refuse to process any transaction that may violate these Terms. If there are not enough funds available in the Card account, you may be able to instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with another form of payment. These are called “split transactions.”

Fees associated with the Mastercard Corporate Purchasing Card

All fees	Amount	Details
Add money
Value Load	N/A	Funds loaded to the card by Corporate Sponsor.
Spend money
Signature Purchases	N/A	Signature Purchase fee per transaction.
PIN Purchases	N/A	PIN Purchase fee per transaction.
Get cash
Domestic ATM Withdrawal	$1.50	Includes ATM Cash Withdrawal at any domestic ATM in the U.S.
Information
Customer service (automated)	N/A	Automated customer service line, including balance inquiries and other self-service features.
Customer service (live agent)	N/A	Live agent customer service line.
ATM balance inquiry	N/A	This is our fee. The fee applies to all ATM balance inquiry transactions.
ATM decline	N/A	This is our fee. The fee applies to all ATM decline transactions.
Using your Card outside the U.S.
Foreign Transaction Fee	$0.50 per transaction plus 1% surcharge	$0.50 per transaction plus 1% surcharge of the U.S. dollar amount of each transaction. Fee for International Purchases and Cash Withdrawals.
International ATM withdrawal	$3.50	ATM Cash Withdrawal outside the U.S. This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
International ATM balance inquiry	$0.50	This is our fee. You may also be charged a fee by the ATM operator.
International ATM decline	$1.75	This is our fee. You may also be charged a fee by the ATM operator.
Other
Online Statement	N/A	Fee to obtain an online statement.
Request for Mailed Paper Statement	$3.00	Fee to obtain a mailed paper statement.
Lost/Stolen Replacement Card	$5.00	Per card fee for Lost/Stolen Replacement cards.
Expedited Shipment of Card	$15.00	Optional fee to expedite the shipping of the card.
Additional Disclosures
Third-party fees may apply ATM Fees:* When you use an ATM, a fee may be charged by the ATM operator or any network used to complete the transaction (and a fee may be charged for a balance inquiry even if you do not complete a fund transfer).

b. Limits

Load, Withdrawal and Spend Limits*
Load Limitations	Limit
Maximum Card balance at any time	$50,000.00
Maximum amount of Corporate Sponsor loads	No more than $10,000.00 total per twenty-four (24) hours.
Withdrawal Limitations	Limit
Maximum amount of Domestic ATM cash withdrawal	No more than $2,500.00 total per twenty-four (24) hours.
Maximum amount of International ATM cash withdrawal	No more than $1,500.00 total per twenty-four (24) hours.
Spend Limitations	Limit
Maximum amount in Point of Sale Signature Transactions	No more than $25,000.00 total per twenty-four (24) hours.
Maximum amount in Point of Sale PIN Transactions	No more than $25,000.00 total per twenty-four (24) hours.
* Third parties may impose additional limitations.

c. Foreign Transactions

If you obtain funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued (“Foreign Transaction“), the amount deducted from your funds will be converted by the network or card association that processes the transaction into an amount in the currency of your Card. The rate they choose is either: (i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central processing date. The conversion rate selected by the network is independent of any fee that we charge as compensation for our services. You will be charged a fee for Foreign Transactions in U.S. dollars as disclosed in the Fee Schedule. If the Foreign Transaction results in a credit due to a return, we will not refund any fees that may have been charged on your original purchase.

d. Authorization Holds

With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on the available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized amounts. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.

e. Receipts

You may be able to get a receipt at the time you make any transfer to or from your account using an ATM or point-of-sale terminals. You may need a receipt in order to verify a transaction with us, the Corporate Sponsor or the merchant.

3. ADDITIONAL TERMS

a. Personal Identification Number (“PIN”)

You may receive a Personalized Identification Number (“PIN”) when activating your card or from the Corporate Sponsor. You should not write or keep the PIN with the Card. Never share the PIN with anyone and do not enter the PIN into any terminal that appears to be modified or suspicious. If you believe that there has been unauthorized access to the PIN, you should advise us immediately, following the procedures in the section labeled “Unauthorized Transactions.”

b. Returns and Refunds

If the Corporate Sponsor is entitled to a refund for any reason for goods or services purchased with the Card, the return and refund will be handled by the merchant. If the merchant credits the Card account, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with the Account.

c. Authorized Users

If you allow another person to use the Card, you will be responsible under these Terms for all transactions made by that person, regardless of whether you intended to be responsible for all of them, as well as all associated fees and charges, even if any of those transactions, fees or charges caused your balance to go negative.

d. Card Replacement and Expiration

To replace a lost, damaged, or stolen Card, you will need to contact Customer Service or the Corporate Sponsor. A Card will not be re-issued and the funds will not be made available to you upon expiration, unless authorized by the Corporate Sponsor.

e. Communications

You agree that we may monitor and record any calls or other communications between us and you. You also agree that we or our service providers may contact you with any contact information you provide to us, including cellular and wireless phone numbers, landline numbers, and email addresses. You also agree that we or our service providers may contact you by using an automated dialing or email system, by text, or artificial or recorded voice. You agree to pay any service charges assessed by your plan provider for communications we send or make to you or that you send or make to us.

4. UNAUTHORIZED TRANSACTIONS

If you believe your Card has been lost or stolen or an unauthorized transaction has been made using the information from your Card without your permission, contact Customer Service or your Corporate Sponsor IMMEDIATELY. We will ask for the Card number and other identifying details. We may not be able to assist you if you do not have the Card number. We may not be able to assist you if you do not contact us within 60 days of the unauthorized transaction. We will charge a fee as noted in the fee table above (subject to applicable law) for any lost/stolen Card, which will be deducted from the balance on the Card. A reissued Card may take up to 30 days to process.

5. NO WARRANTIES AND LIMITATION OF LIABILITY

The Corporate Sponsor is responsible for making funds available for your use with the Card. We have no obligation to you in the event the Corporate Sponsor delays in providing or fails to provide funds to fund the Card. If you have a dispute with the Corporate Sponsor about the amount of any loads or deductions from the Card balance, you agree to resolve that dispute solely with the Corporate Sponsor. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with the Card. Further, we will not be liable to you, the Corporate Sponsor, or any other person:

If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
If a merchant refuses to accept your Card;
If an ATM where you are making a cash withdrawal does not have enough cash;
If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
If access to your Card has been blocked after you reported your Card lost or stolen;
If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
If we have reason to believe the requested transaction is unauthorized;
If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
For any other exception stated in our Terms.

6. LEGAL NOTICES

a. English Language Controls

Translations of these Terms that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language.

b. Account Closure

The Corporate Sponsor may close the Card at any time by contacting Customer Service. Card closure will not affect any of our rights or your or your Corporate Sponsor’s obligations arising under this Agreement prior to the request. We reserve the right to close the Card account should you complete or attempt to complete any of the prohibited actions in this Agreement. Closing the Card will not entitle you to any of the remaining funds.

c. Assignability

You may not assign or transfer your Card or your obligations under these Terms. We may, however, transfer or assign our rights under these terms, including any balances in your Card account. If we assign our rights, you will get a notification from us.

d. Other Terms

We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in these Terms without notice). If any provision of these Terms shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of these Terms shall not be affected. Closing the Card will not entitle you to any of the remaining funds.

7. PRIVACY

We may provide information to our employees, auditors, affiliates, service providers, or attorneys as needed, or to any third party if you give us your written permission. We may also collect: (1) Information about purchases made with the Card, such as date of purchase, amount and place of purchase; (2) Information you provide to us when you register a Card, or for replacement Cards, or when you contact us with customer service issues, such as name, address, phone number.

We may also disclose information about your Card or the transactions you make to third parties in order to: (1) complete transactions; (2) verify the existence and condition of your Card for a third party, such as merchant; (3) provide customer services; (4) process claims for lost or stolen Cards; (5) help protect against fraud and to conduct research and analysis; or (5) comply with government agency or court orders, or other legal reporting requirements.

8. JURY TRIAL WAIVER AND ARBITRATION

Because you have a limited right to use of these funds, any dispute regarding loss of funds should be handled with the Corporate Sponsor. However, to the extent you pursue action or claim against us, you agree to the following clauses.

a. Jury Trial Waiver: To the extent permitted by law, you and we knowingly and voluntarily waive any right to trial by jury in the event of litigation arising out of or related to these Terms. This Jury Trial Waiver does not modify in any fashion the Arbitration Clause set forth in the following section, which contains its own jury trial waiver.

b. Arbitration Clause: This Arbitration Clause governs any dispute arising under these Terms, aside from the validity and coverage of this Arbitration Clause. Arbitrations will be conducted under the rules of the arbitration administrator, as chosen by us. Arbitration may be brought by you or us, and we will not demand arbitration if you bring an individual action in small claims court. In addition to the Jury Trial Waiver above, you also waive your rights to be a class member or bring suit in a class action or class arbitration. In order to commence an arbitration, the party bringing the dispute must send the notice and complaint in writing. You must send your notice to the Notice Address. After receiving notice, the other party has 30 days to attempt to resolve the issue before a suit or arbitration commences. We will pay all costs associated with administering an arbitration brought by you in good faith, if you cannot get a waiver and ask us to pay. Further, we will pay legal fees and costs if you win or as required by law or the arbitrator. This Arbitration Clause will stay in force if your Card is closed or we assign our rights under these Terms. This Arbitration Clause and any rights to appeal or requests for information will be governed by the Federal Arbitration Act and the rules of the arbitrator.

Contact Customer Service by calling 1-833-848-5768, by mail at Cardholder Services, P.O. BOX 7235 SIOUX FALLS, SD 57117-7235, or visit ua.getdash.io.

Prepaid card is issued by Pathward, Member FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.