Card. The Card gives you the ability to access funds held in your Venmo Account.
Activation. You must activate the Card and complete the activation process, including setting a Personal Identification Number (“PIN”), before it may be used. Refer to Section 6 (Personal Identification Number) for more details on setting a PIN. You can activate the Card through the Venmo app. For your security, you will need to provide personal information in order for your identity to be verified and for completion of the activation process.
Your representations and warranties. By activating the Card or by retaining, using or authorizing the use of it, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a jurisdiction where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.
Using the Card.
Cash Access. With your PIN, the Card may be used to obtain cash at any Automated Teller Machine (“ATM”) in the U.S. displaying the Mastercard®, Cirrus®, PULSE®, or MoneyPass® acceptance marks, subject to your applicable daily cash withdrawal limit. The Card cannot be used at international ATMs. Fees may apply; see Section 5 (Venmo Mastercard Fees) for details. If given the option, select "Checking Account" when using an ATM. MoneyPass Network ATMs are not available in all areas, including the U.S. Virgin Islands (go to www.moneypass.com for a MoneyPass ATM locator). ATM owner-operators may impose their own fees and lower limits on cash withdrawals. All ATM transactions are treated as cash withdrawal transactions and subject to your daily cash withdrawal limit. You may use your PIN at any Point of Sale (“POS”) device, as permissible by a merchant that bears the Maestro® or PULSE® acceptance marks, and subject to your daily purchase limit. Each time you use the Card, you authorize the Issuer to reduce the value available in your Venmo Account balance by the amount of the transaction and any applicable fees and to automatically Reload your account if you have enabled this feature, as described in Section 4.3 (Automatic Reload for Purchases; Authorization).
Card Limits. Venmo may, at its discretion, place limits on the number or total dollar value of purchases, cash withdrawals, and/or Reloads that you may make with the Card. You will be notified of any change in the manner provided by applicable law prior to the effective date, and the limits will be able to be viewed on Venmo’s Help Center here. Card limits are subject to periodic review and may be changed based on your Venmo Account history, activity, and other factors, including but not limited to your Card activity. Venmo retains sole discretion to apply and change limits.
Automatic Reload for Purchases; Authorization.
Transactions made with the Card are funded solely by your Venmo Account balance. To ensure your Venmo Account balance is sufficient to cover purchase transactions you make with the Card, Venmo may offer you the ability to automatically add funds to your Venmo Account balance (“Reload”) by transferring funds from your designated, linked funding source (your “Reload Method”) whenever the Reload feature is turned on and your available Venmo Account balance is less than the final purchase amount. We get the final purchase amount (and initiate a Reload, as needed) once the merchant captures the purchase, which is generally within 1-5 business days after you first swipe your Card, but it can take up to 30 calendar days. At that point, if you do not have enough funds in your Venmo Account balance to cover your purchase, and Reloads were enabled when you swiped your Card, we will transfer funds from your Reload Method. Venmo reserves the right to not offer you the ability to Reload and to restrict the types of linked funding sources (e.g., bank account, debit card, credit card) you can use to Reload your Venmo Account balance. Venmo may, at its sole discretion, place limits on the number or total dollar value of Reloads that may be initiated by Card purchases. For those limits, please see Venmo’s Help Center here. These limits may change from time to time in Venmo’s sole discretion. If the ability to Reload is offered to you, you may designate a Reload Method and toggle the Reload feature ‘on’ or ‘off’ in your Venmo Account settings.
Venmo cannot Reload your Venmo Account balance for ATM or over the counter withdrawals or cash back with purchase transactions. Any use of your Card to withdraw funds that exceeds your available Venmo Account balance will be declined.
Venmo establishes a set, default dollar amount of $10 that is used when a Reload is triggered (the “Reload Increment”). Venmo may offer you the ability to select an alternate Reload Increment. The Reload Increment (or a multiple thereof, as necessary) will be transferred from your Reload Method to your Venmo Account balance each time a Reload is required to complete a Card purchase. To the extent multiple Reloads are required to complete a purchase, Venmo will Reload your Venmo Account balance with a multiple of the Reload Increment.Examples: Single ReloadYou have $25 in your Venmo Account balance and attempt to make a $30 purchase using the Card. Your Reload Increment is $10. Since the purchase amount exceeds your Venmo Account balance by $5, an automatic Reload for the Reload Increment of $10 is triggered. This Reload brings your Venmo Account balance to $35 and allows you to complete the $30 purchase, leaving $5 in your Venmo Account balance. Your Reload Method statement should show a corresponding $10 transfer to Venmo.Multiple ReloadsYour Venmo Account balance is $5 and you attempt to make a $100 purchase using the Card. Your Reload Increment is $10. Since the purchase amount exceeds your current Venmo Account balance by $95, an automatic Reload is triggered. A single Reload of $10, however, would not allow you to complete the transaction. Instead, the Reload will be for a multiple of the Reload Increment necessary to complete the purchase. In this case, it would take 10 Reloads of the $10 Reload Increment ($10 x 10 = $100) to complete the purchase.Venmo will combine the 10 Reloads into a single $100 Reload, bringing your Venmo Account balance to $105. This allows you to complete the $100 purchase and leaves $5 in your Venmo Account balance. Your Reload Method statement will show a corresponding $100 transfer to Venmo.
By using the Card when Reloads are enabled, you hereby authorize Venmo to automatically debit your Reload Method for the Reload Increment (or multiples thereof) as necessary to Reload your Venmo Account balance to complete any purchase made with the Card. You further agree that once a Reload transfer from your Reload Method has been initiated, you will be unable to cancel the transfer and Venmo may resubmit any Reload transfer that is returned for insufficient or uncollected funds or that is returned for any other reason, except as otherwise provided by the Automated Clearing House (ACH) rules or applicable law. You may be subject to third-party fees, such as insufficient fund fees, reversal fees, or ACH insufficient fund fees that your financial institution may charge if your Reload transfer is rejected. IF YOU ARE AWARE YOU DO NOT HAVE ENOUGH FUNDS IN YOUR VENMO ACCOUNT BALANCE TO COMPLETE A CARD PURCHASE, YOU SHOULD CONFIRM THAT YOUR RELOAD METHOD CONTAINS FUNDS SUFFICIENT TO COVER THE TRANSACTION, INCLUDING RELOADS, BEFORE USING THE CARD AND UNTIL THE MERCHANT CAPTURES THE PURCHASE. THIS WILL HELP YOU AVOID THIRD PARTY OVERDRAFT OR OTHER FEES YOUR BANK MAY CHARGE.
If you delete your Reload Method from Venmo or turn off the Reload feature, Venmo will be unable to Reload your Venmo Account balance and any Card purchase that exceeds your available Venmo Account balance will be declined.
Split Tender Transactions.
Some merchants do not allow split transactions, i.e., where you use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge to the Card the amount you wish to use from your Venmo Account balance, subject to the amount of funds available in your Venmo Account balance and applicable limits. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to using the Card, the Card may be declined.
When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a “hold” is placed on your Venmo Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, or for up to thirty (30) days, even if you fail to make the purchase. During the hold period, you may not have access to the preauthorized amount in your Venmo Account. Neither Venmo nor Issuer will be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Venmo Account, even if this results in your Venmo Account balance becoming negative. You remain responsible for any negative balances in your Venmo Account.
If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Venmo Account, you should use the Card to pay for the purchase inside with the cashier.
If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurred.
You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. You may not make preauthorized regular payments using the Card.
Card Not Present Transactions.
If you use the 16-digit Card number without presenting the Card in person (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, the amount or number of such transactions you may make may be limited. You may not use the Card for illegal gambling or any other illegal transaction.
The Card may only be used to conduct transactions within the 50 United States, District of Columbia and U.S. Territories (Puerto Rico, Guam, Northern Marianas, the U.S. Virgin Islands, and American Samoa). The Card cannot be used to conduct international transactions, including, without limitation, transactions conducted on international merchant websites or mobile applications accessible within the United States.
Venmo Account Balance/Periodic Statements Alternative.
You are responsible for keeping track of your available Venmo Account balance. Merchants generally will not be able to determine your available balance. It is important to know your available Venmo Account balance before making any transaction. You may obtain information about the amount of funds available in your Venmo Account by using the Venmo app or visiting the Venmo website. This information, along with a 12-month history of Card transactions, is available by logging into your Venmo Account on www.Venmo.com. You also have a right to obtain a 24-month written history of Card transactions by sending an email to firstname.lastname@example.org or by calling 1-855-204-4090. You will not automatically receive paper statements.
Venmo Mastercard Fees. All fee amounts will be withdrawn from your Venmo Account, except where prohibited by law. Any attempted ATM or over the counter withdrawal or cash back withdrawal, including any fees charged by us, Venmo, or by an individual ATM operator, that exceeds your available Venmo Account balance will be declined.• MoneyPass ATM Withdrawal $0.00• ATM Domestic Withdrawal Fee* $2.50 per ATM withdrawal within U.S. (plus any amounts charged by the ATM owner).• Over the Counter Withdrawal Fee $3.00 per signature withdrawal if a signature is required to obtain cash.*If you use an ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM owner even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be deducted from your Venmo Account balance.
Personal Identification Number. The PIN is a security code, which is designed to protect the Card against unauthorized use. You choose the PIN when you activate the Card. The PIN provides enhanced security for the Card and may be used when making transactions with the Card. It is your electronic signature. Since the PIN is for security purposes, you should memorize it and it should not be disclosed to anyone. You should not write or keep the PIN with the Card. When entering the PIN, be sure it cannot be observed by others and do not enter the PIN into any terminal that appears to be modified or suspicious. You can change the PIN at any time through the settings on the Venmo app. A temporary hold can be placed on the Card if the PIN has been compromised or if the Card is lost or stolen. Maintaining the security of the PIN and Card is your responsibility. If you believe anyone has gained unauthorized access to the PIN, change your PIN using the Venmo app and contact Customer Service immediately using the contact information found below in Section 18 (Customer Service).
Authorized Users. You are responsible for all authorized transactions initiated and fees incurred by use of the Card. If you permit another person to have access to the Card or Card number, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.
Secondary Cardholder. You may not request an additional Card for another person.
Returns and Refunds. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to your Venmo Account for refunds and agree to the refund policy of the merchant. Neither the Issuer nor Venmo is responsible for the delivery, quality, safety, legality or any other aspects of the goods or services you purchase from others with the Card. If you have a problem with a purchase you made with the Card, or if you have a dispute with the merchant, you must handle it directly with the merchant. Notwithstanding the foregoing, certain Card transactions may be eligible for the Venmo Authorized Merchant Payment Protection program as described in the Venmo User Agreement. See the Venmo User Agreement for additional details.
Card Replacement. If you need to replace the Card for any reason, call 855-204-4090 or send an email to email@example.com to request a replacement (Venmo typically responds to emails within 24 hours). You will be required to provide personal information which may include the 16-digit Card number, your full name and knowledge of the Card transaction history. If you believe the Card has been lost or stolen, you may immediately disable it through the Venmo app. After you have disabled the Card, or if you did not have the Venmo app available, please contact Venmo at 855-204-4090 for further assistance. See Section 13 (Your Liability for Unauthorized Transfers) for more details. Venmo may cancel any Card that has been disabled for sixty (60) calendar days or longer.
Confidentiality. You acknowledge and agree that Issuer and Venmo may, subject to applicable law, share information regarding you, your Card, your Venmo Account, your Card request and Card transaction activity as necessary to provide customer service, service the Card or your Venmo Account, investigate and act on the Card or your Venmo Account and/or your Card- or Venmo Account-related claims and as necessary to comply with applicable law. Information about the Card, your Venmo Account, or the transactions you make with any of them may be disclosed to third parties:
Where it is necessary for completing transactions;
In order to verify the existence and condition of the Card for a third party, such as a merchant;
In order to comply with government agency, court order, or other legal, regulatory or administrative reporting requirements;
If you consent by giving us your written permission;
To our employees, auditors, affiliates, service providers, or attorneys as needed; or
Otherwise as necessary to fulfill our obligations under this Agreement.
Our Liability for Failure to Complete Transactions. If the Issuer does not properly complete a transaction from the Card on time or in the correct amount according to this Agreement with you, the Issuer will be liable for your losses or damages. However, there are some exceptions. The Issuer will not be liable, for instance:
If through no fault of the Issuer, you do not have enough funds available in your Venmo Account to complete the transaction;
If a merchant refuses to accept the 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 the Card has been blocked after you reported the Card lost or stolen;
If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
If the Issuer has reason to believe the requested transaction is unauthorized;
If circumstances beyond the Issuer’s control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that the Issuer has taken; or
Any other exception stated in the Issuer’s Agreement with you.
Your Liability for Unauthorized Transfers.
If you believe the Card has been lost or stolen, immediately disable it through the Venmo app and contact Venmo (you may also reenable the Card using the Venmo app. Venmo may cancel any Card that has been disabled for sixty (60) calendar days or longer.). Telephoning is the best way to minimize your possible losses. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Venmo Account using the Card without your permission, call 855-204-4090. You may also email Venmo at firstname.lastname@example.org. We may suspend or cancel your Card and/or corresponding Venmo Account in the event of excessive reports of Card loss or theft. Under Mastercard Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to Venmo when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes, or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you notify Venmo within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify Venmo within two (2) business days after you learn of the loss or theft of your Card and Venmo can prove that we could have stopped someone from using your Card without your permission if you had promptly notified Venmo, you could lose as much as $500.00.
Also, if you become aware of and/or your statement shows transactions you did not make, notify Venmo at once following the procedures stated in Section 16 (Information About Your Right to Dispute Errors). If you do not notify Venmo within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if Venmo can prove that we could have stopped someone from taking the value if you had notified Venmo in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, Venmo will extend the time periods. If the Card has been lost or stolen, the Card will be blocked to keep losses down and a replacement card will be sent to you.
Other Miscellaneous Terms. The Card and your obligations under this Agreement may not be assigned. The Issuer may transfer its rights under this Agreement. Use of the Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. The Issuer does not waive its rights by delaying or failing to exercise them at any time. If any provision of this Agreement 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 this Agreement shall not be affected. This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.
Amendment and Cancellation. The terms and conditions of this Agreement may be revised by posting a revised version at www.venmo.com/legal/bancorp-cardholder-agreement. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, the Issuer or Venmo can implement such change without prior notice. The Issuer or Venmo may cancel or suspend the Card or this Agreement at any time. You may cancel this Agreement by returning the Card to the Issuer. Your termination of this Agreement will not affect any of the Issuer’s or Venmo’s rights or your obligations arising under this Agreement prior to termination. In the event your Card is cancelled, closed or terminated for any reason, any remaining available funds associated with the Card would revert to your Venmo Account balance.
Information About Your Right to Dispute Errors.
Protection for Unauthorized Transactions and Other Errors. When an unauthorized transaction or other error occurs in the Venmo Account, including unauthorized transactions that occur because the Card has been lost or stolen, Venmo will cover you for the full amount of every eligible unauthorized transaction or other error as long as you follow the procedures discussed in Section 16.2 (Notification Requirements) or the Venmo User Agreement, as appropriate (the “Protection Policy”).An “Unauthorized Transaction” is an error that occurs when funds are sent from your Venmo Account without your authorization and/or you did not benefit from the transaction. For example, if someone steals the Card and PIN, and makes a withdrawal with the Card, an Unauthorized Transaction has occurred. If you give the Card to a person with permission to use it, you are responsible for all transactions conducted by on the person even if they make more transactions than you authorized, unless you notified Venmo that transactions by that person are no longer authorized.“Other Errors” occur when funds are either incorrectly debited from the Venmo Account or incorrectly credited to the Venmo Account, or when transactions are incorrectly posted to the Venmo Account. Other Errors covered by Venmo are limited to the following: if you make a payment and it is incorrectly debited from the Venmo Account; if an incorrect amount is credited to the Venmo Account; if a transaction is missing from or not properly identified in the Venmo Account statement; if you receive an incorrect amount of money at an ATM; or if there is a computational or mathematical error by Venmo.You may request documentation or information regarding the Venmo Account or a transaction(s) to determine whether an Unauthorized Transaction or Other Error exists by contacting Venmo at email@example.com or calling 855-204-4090.
Notification Requirements. In case of Unauthorized Transactions, Other Errors, or questions about your electronic transactions, call 855-204-4090 or write to: PayPal Debit Card Department, Attn: Dispute Resolution, P.O. Box 45950, Omaha, NE 68145-0950, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. The Issuer must allow you to report an error until sixty (60) days after the earlier of the date you electronically access the Venmo Account, if the error could be viewed in your electronic history, or the date the Issuer sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling 855-204-4090 or writing to PayPal Debit Card Department, Attn: Dispute Resolution, P.O. Box 45950, Omaha, NE 68145-0950. You will need to provide:
Your name and the Card number
Why you believe there is an Unauthorized Transaction or Other Error, and the dollar amount involved
Approximately when the Unauthorized Transaction or Other Error took place.
If you provide this information orally, Venmo or the Issuer may require that you send your complaint or question in writing within ten (10) business days.Venmo will determine whether an error occurred within ten (10) business days after it hears from you and will correct any error promptly. If Venmo needs more time, however, Venmo may take up to forty-five (45) days to investigate your complaint or question. If Venmo decides to do this, Venmo will credit the Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If Venmo asks you to put your complaint or question in writing and you do not provide it within ten (10) business days, Venmo may not credit the Card.For errors involving new Cards, POS transactions, or foreign-initiated transactions, Venmo may take up to ninety (90) days to investigate your complaint or question. For new Cards or Venmo Accounts, Venmo may take up to twenty (20) business days to credit the Venmo Account for the amount you think is in error.Venmo will tell you the results within three (3) business days after completing the investigation. If Venmo decides that there was no error, Venmo will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting Venmo at the phone number or address listed at the beginning of this section. If you need more information about Venmo’s error-resolution procedures, call 855-204-4090 during the hours listed below in Section 18 (Customer Service).
Processing Errors. Venmo will rectify any processing error Venmo discovers. If the error results in your receipt of less than the correct amount to which you are entitled, your Venmo Account will be credited for the difference. If the error results in your receipt of more than the correct amount to which you are entitled, the extra funds will be debited from your Venmo Account. If the error resulted in Venmo not completing a transaction on time or in the correct amount, Venmo will be liable for your losses or damages directly caused by this failure, unless: (a) through no fault of Venmo’s, you did not have enough available funds to complete the transaction, (b) Venmo’s system was not working properly and you knew about the breakdown when you started the transaction, or (c) circumstances beyond Venmo’s control (such as fire, flood or loss of Internet connection) prevented the transaction, despite Venmo’s reasonable precautions. For other protections that may be applicable to transactions made with your Venmo Account, please see the Venmo User Agreement.
English Language Controls. Any translation of this Agreement is provided for convenience. The meanings of the terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English text.
Customer Service. For customer service or additional information regarding the Card, please contact:Venmo Debit Card Support
222 W Merchandise Mart Plaza Suite 800
Chicago, IL 60654-1103
Card support number: 855-204-4090Customer Service agents are available to answer calls Monday-Friday 9:00 AM-5:00 PM Central Time (holidays excluded).Venmo chat and email support are available Monday through Friday 24 hours a day Central Time and Saturday and Sunday 8:00 AM-10:00 PM Central Time. Venmo typically responds to emails within 24 hours.
Telephone Monitoring/Recording. From time to time telephone calls between you and Venmo may be monitored and/or recorded to assure the quality of customer service or as required by applicable law.
No Warranty Regarding Goods or Services as Applicable. The Issuer is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with the Card.
Arbitration. Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to:i) this Agreement; ii) the Card; iii) your acquisition of the Card; iv) your use of the Card; v) the amount of available funds in the Venmo Account; vi) advertisements, promotions or oral or written statements related to the Card, as well as goods or services purchased with the Card; vii) the benefits and services related to the Card; or viii) transactions on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. If this section conflicts in any way with the “Disputes with Company” section of the Venmo User Agreement, this section will control with respect to any Claim. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).The Issuer will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.For a copy of the procedures, to file a Claim or for other information about the AAA, contact: AAA, 335 Madison Avenue, New York, NY 10017 or at www.adr.org.All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of the Card, or any amounts owed on the Venmo Account, to any other person or entity; or iv) expiration of the Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD, OR IF IT HAS ALREADY BEEN ACTIVATED, CANCEL IT. YOU MAY CANCEL THE CARD BY CALLING CUSTOMER SERVICE AT 855-204-4090.
The Venmo Mastercard is issued by The Bancorp Bank; Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Card may be used everywhere Mastercard is accepted in the United States.This Cardholder Agreement is effective 4/2021