Powered by Southern Bancorp Bank
Please read and scroll to the bottom of the page to accept the User Agreement.
Any dispute or controversy arising out of or relating to this Agreement, or any document or instrument delivered in connection herewith shall be resolved by arbitration to be held in Little Rock, Arkansas in accordance with the commercial arbitration rules then in effect of the American Arbitration Association or its successor. The arbitrator may grant injunctions or other relief in such dispute or controversy. The decision of the arbitrator shall be final, conclusive, and binding on the parties to the arbitration. Judgment may be entered on the arbitrator’s decision in any court having jurisdiction, and the parties irrevocably consent to the jurisdiction of the state courts of Arkansas for this purpose. The prevailing party in such arbitration shall be entitled to recover from the other party the prevailing party’s reasonable costs and expenses incurred in connection with such arbitration proceeding (including reasonable attorneys’ fees) to the extent such award is determined by the arbitrator to be appropriate, fair, and equitable in the circumstances. However, the obligation to arbitrate shall not apply with respect to requests for temporary restraining orders, preliminary injunctions, or other procedures in a court of competent jurisdiction to obtain interim relief to the extent necessary to preserve the status quo or to prevent irreparable injury pending resolution by arbitration of the actual dispute between the parties.
Terms and Conditions
This agreement (“Agreement”), as amended from time to time, is provided by Southern Bancorp Bank (“Southern”) to govern your use of any of our TeamWALT Apps and their associated web services, collectively the (“Apps”). By accepting this Agreement and using the Apps, you agree to accept all the terms and conditions herein. We recommend you keep a copy for your records and substitute any later updated versions of this Agreement when you receive them.
This Agreement covers each of Southern’s TeamWALT financial products. It does not cover classic branch banking products or services offered by Southern without the “TeamWALT” label. By accepting the Agreement, you understand it is binding upon you, your heirs, personal representatives, and successors.
A Profile on the App represents a single, identifiable person. You agree that access to that Profile (using your private credentials) will not be shared by you with another person and that if you do so, Southern is not liable for any misuse, mistakes, or transactions made as a result.
The Apps covered by the Agreement are different than classic banking products and accounts. They are designed to be extremely simple and straightforward and managed almost completely by you. You should be aware that this means some traditional payment methods and other classic banking processes (e.g., paper checks and overdrafts) may be discouraged or prohibited (see the Your Profile section.)
We reserve the right to change the Apps and may withdraw or modify them at any time within the bounds of applicable regulations and laws.
If you have questions, please call our customer helpline at: 1-(844) HEY-WALT.
TeamWALT Apps Listing:
Communicating with Us
To contact us, please use one of the following methods:
Call us at: 1-844-HEY- WALT (24x7x365)
Email us at firstname.lastname@example.org Note: Do NOT use regular email like this to communicate any account or confidential information. Regular email is inherently unsecure and can be easily intercepted by identity thieves. At no time should you include personal or confidential information in an unencrypted email.
400 Hardin Rd
Little Rock, AR 72211
Warning: As part of our commitment to keeping your money and personal information safe and secure, we will never ask you for personal login, or profile information through unsolicited email. Be careful not to provide personal information, such as your account numbers or passwords to people claiming to represent TeamWALT or Southern.
If you receive an unsolicited call claiming to be from TeamWALT or Southern requesting account or other personal information, do not respond. Instead, discontinue and use one of our secure methods of communication.
Communicating with You
Electronic notifications: Please refer to the electronic and e signature consent form.
Mobile Devices: You agree that we, our agents, or our service providers may contact you regarding any matter for any non-telemarketing reason using any kind of telecommunications technology at any email and telephone number you provide to us, including the phone number for your mobile device. You agree to receive these calls and messages, including pre-recorded or auto-dialed calls. You also agree that we may send text messages to any phone number for your mobile device you provide to us. You understand and accept that your service provider may charge you for these calls and messages consistent with applicable law.
Recording Telephone Calls and Electronic Communication: For quality control purposes and for other reasons, you permit us to record and monitor your telephone conversations and electronic communications with us. Unless the law requires otherwise, you consent in advance to such recording and monitoring, and we do not need to remind you of these activities at the time of the call or communication.
Who is Eligible
To be eligible to use the Apps, you must be a United States resident who is 18 or older and must be able to satisfy our identification verification requirements.
Profiles in any TeamWALT app are designed for and owned by individuals over the age of 18 only and will remain non transferrable.
We do not charge a fee for normal Services related to your Profile. However, external banks or third-parties may charge you fees over which we have no control. Fees are subject to change at any time.
Downloading the App
Simply use a Testflight weblink provided to you by a TeamWALT associate or for Apps avaiable via the app store, you can find and download them in the Apple App StoreTM or Google Play StoreTM.
During the enrollment process, you will be asked several identifying questions and be required to scan an approved ID. Then, you will be required to accept this agreement to continue the enrollment process. Once accepted, you will select your log-in credentials and finalize the enrollment process by linking a traditional bank account to your Profile.
Once fully enrolled, you will have a usable Profile into which you can deposit funds to complete your savings challenge. Your Profile represents your identity to TeamWALT and your deposited funds.
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 to you: When you enroll, we may ask for your name, address, date of birth, social security number, and other information that will allow us to verify your identity. You will also be required to scan your valid, unexpired driver’s license or other government-issued identification documentation and link an external bank account you already have.
It is your responsibility to maintain and update changes promptly in the identifying information you provided to us in and after your enrollment. You may update your information directly in the application.
We currently require you to scan the barcode of your valid, unexpired United States driver’s license or state Identification card to enroll. In addition, we will check to see that the information you entered upon sign-up, matches the information contained on your driver’s license or state issued id. We require that you validate you have at least one banking account at another institution.
Change of Address, Email Address or Telephone
At the end of each calendar month, we will notify you that your statement is ready via email. The information in the Profile statements will be sufficient to allow you to reasonably identify the items paid. You must examine the statement and notify us, via secure messaging in the app, of any error within sixty (60) days after the statement is made available to you. Your ability to recover any losses may be limited if you fail to notify us in accordance with applicable law. See section: “Electronic Fund Transfer Disclosure & Terms” for additional information on reporting and resolving errors involving Electronic Fund Transfers.
Funding & Availability
Currently, funding takes place initially by linking an account from a classic bank to your new Profile. Subject to “Funds Availability,” once your Profile is complete you can immediately fund your Profile. We reserve the right to close any accounts that are not funded within 60 days of creating a profile.
Funds Availability: We provide you with timely access to your funds that you deposit in your Profile in accordance with the Expedited Funds Availability Act (“EFA”). Please note that it will not be possible to make a deposit of cash into your Profile.
Maximum daily funding from a linked account is $2,500 per day.
Current Balance: The balance in your Profile reflecting all posted deposits and withdrawals. This is the balance on which interest is calculated.
Available Balance: The balance in your Profile which is currently available for withdrawal. This balance is the Current Balance temporarily adjusted for deposited funds that have been placed on hold (see Deposit Hold Policy) and other pending withdrawals we have authorized or been advised are inbound (i.e. a pending merchant payment).
All deposits or credits to your Profile may be withdrawn by you only after we have received payment for the item (final payment). We may charge back to your Profile the amount of any credit given to you for an item which is returned to us as unpaid. If any item deposited to your Profile is returned to us, any interest earned on the item from the date the item was deposited to your Profile to the date the item was returned to us may be charged back to your Profile. We will not be liable to you for any late payment or failure to pay the item except as set forth in this Agreement.
Check deposits and withdrawals: we do not accept check deposits or withdrawals.
Cash deposits: we do not accept cash deposits
Deposit Hold Policy
Our policy is to make funds from your deposits available to you as soon as we reasonably can. That means, in some cases, funds will be available immediately upon our receiving your deposit. Electronic and ACH deposits will be available to you the same day we receive the funds (typically the effective date of the ACH). In other cases, we may need to review the deposit and delay the funds’ availability. In such a case, funds may not be available until up to the 7th business day following the deposit. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays.
Reasons funds availability may be delayed include, but are not limited to:
We have a reasonable belief that a deposit will not clear.
You deposit more than the allowed amount, $2,500, in a business day.
There is an emergency, such as failure of communications or computer equipment.
You are a new customer(meaning your account has been open for less than 30 days).
We will notify you via email if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available to you no later than the 7th business day after the day of your deposit, but many times sooner.
Minimum Opening Balance
There is no minimum opening balance for your profile. However, be aware that for security reasons, incomplete and unfunded Profiles are eligible to be deleted at any time.
Maximum Deposit Limitations
Currently, you are not allowed to deposit funds in any TeamWALT App such that your total balance will exceed $10,000.00 US Dollars.
Keeping your Accounts Active
If you have not made a deposit to or withdrawal from your Profile for 365 days and we have not received any communication from you (See Communicating with Us) during that time, we may consider your Profile dormant. We are required by law to deliver to the applicable state agency any funds in a Profile if you do not initiate a transaction (deposit or withdrawal) for a period of time as defined by applicable state law. We will provide applicable notices to you, only as required by law. You agree that we are not liable for any funds delivered to the state in compliance with the laws of the applicable state agency.
Death or Incapacity
We may accept, pay, and collect on transactions after you die or if a court finds you unable to handle your affairs (you are “adjudicated incapacitated”) until we know of your death or receive a court order of your incapacity and have a reasonable opportunity to act. Even if we have knowledge of your death, we may, for 10 calendar days after the date of death, pay items originated before your death. We will not pay such items, however, if we receive a stop payment from your legal representative or other persons who can demonstrate having a legal interest in your Profile.
Payable on Death
Upon receipt of a death certificate, we will handle as the estate instructs us to do so in a reasonable time frame.
Compliance with the Law
You agree to comply with all applicable federal and state laws and to not use your Profile for any illegal transactions or activities.
Due to the short nature of the challenge time frame, there is no interest paid on your Envie savings account, however each user will have the opportunity to earn a “Goldie.” Users could potentially earn up to 6 goldies annually.
Goldie’s are envelopes, that, when landed on, is paid for by Southern Bancorp Bank and is recorded as miscellaneous interest. All users who receive $600 annually paid out in Goldies will receive a 1099-MISC for tax reporting purposes.
Tax Reporting and Backup Withholding
You may be asked to provide us with a social security number (SSN), which you certify as correct under penalty of perjury. In accordance with prevailing law, we will use that number to report any miscellaneous interest earned on your Profile to the Internal Revenue Service (IRS). If you fail to provide us with a SSN, you do not provide the correct SSN, or you fail to certify the SSN, you may be subject to back-up withholding if the IRS notifies us that the furnished SSN is incorrect, you are notified by the IRS that you are subject to back-up withholding for failing to report all interest and dividend payments on your tax return, or your failed to certify to us that you are not subject to back-up withholding, we are required to withhold and pay to the IRS a percentage of any payment of interest on your Profile. If we do back-up withholding and later you are no longer subject to back-up withholding, you may have to contact the IRS to obtain a refund of the money withheld.
Deposit Insurance Coverage
The FDIC insures individual deposits at Southern according to the ownership category (i.e., individual, or joint) in which the funds are insured. Deposits are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. For purposes of determining how much insurance is applicable to your profile, you need to consider accounts at Southern other than TeamWALT branded Profiles. To determine how much insurance is applicable to your profile with us and for any other FDIC insurance requirements that may apply, please visit the FDIC’s website at www.fdic.gov/deposits/deposits or call the FDIC directly at 1-877-ASKFDIC (1-877-275-3342). You can also use the FDIC Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie.
Any attachment, garnishment, or levy against your Profile is subject to our right of set-off and security interest. If we receive an attachment, garnishment, or levy against you, we may refuse to allow you to make any withdrawals or transfer funds until the attachment, garnishment, or levy is satisfied. We may pay the amount demanded to the sheriff, tax authority, or court without notifying you. We will, at our discretion and to the extent required by law, notify you. We are not liable to you for our actions even if our holding or paying the money leaves insufficient funds to cover outstanding items presented for payment. You are responsible for any expenses we incur as a result of an attachment, garnishment, or levy and we may off-set such expenses from your Profile.
If you ever owe us money, we can, to the extent allowed by law and without notice to you, use the money from your Profile to pay the debt (set-off). We can do this no matter what kind of debt it is or how the debt arose. In addition to our right of set-off, you grant us a consensual security interest in your Profile. Your opening of a Profile with us will be considered to be your consent to set-off against your Profile if any present or future law or regulation requires such consent. We will not be liable for any items which are not paid, including interest earned and or available funds within, because we set-off or otherwise use funds from your Profile to pay a debt or obligation you owe us. We may use your Profile to pay the debt or obligation even if it results in an interest penalty or return of subsequent items.
If Federal benefits or other payments (such as Social Security benefits) are deposited to your Profile after you are not eligible for such benefits, we may set-off against your Profile to recover any funds we are obligated to return to the payor because of your ineligibility. You agree that we are not required to contest any Legal Process.
Closing or Restricting Profile
We have the right to close your Profile and associated features at any time without notice and without your consent if you violate any of the Terms and Conditions, unless prohibited by applicable law. If your Profile has any funds in it when we close it, we will return the funds to you minus any applicable penalty by ACH Transfer or by mailing you a check. We may refuse to pay any debits or other items presented for payment after your Profile is closed. Except as may be limited by applicable law, you agree to hold us harmless from and against any losses arising from, or in any way relating to, our refusal to pay or release funds in accordance with this section.
Electronic Funds Transfer Disclosure & Terms
Disclosure and Terms
EFT disclosure information that applies to all electronic services offered by Southern in the Apps is given below, followed by specific disclosure information for each service. Southern may also provide remittance transfers (defined by Regulation E, subpart B, as an “electronic transfer of funds of more than $15 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider”). As applicable and to the extent not in conflict with such separately provided disclosures, the terms and conditions herein shall apply to remittance transfers that also meet the definition of an “electronic fund transfer” under Regulation E, subpart A. This Agreement takes the place of all prior agreements and disclosures governing the use of all electronic services. By retaining, using, or allowing others to use the electronic services offered by Southern, you are agreeing to be bound by the terms and conditions of this Agreement. In this Agreement, the term (‘‘you”) and (‘‘your(s)”) refer to the member, and the terms (‘‘we”), (‘‘us”), and (“our(s)”) refer to Southern.
We will disclose information to third parties about your Profile or the transfers you make:
Where it is necessary for completing transfers;
In order to verify the existence and condition of your Profile for a third party, such as a credit bureau or merchant;
In order to comply with government agency or court orders;
If you give email or other written permission;
To one of our non-profit affiliates; or
Liability for Unauthorized Transfers from your Account
Notify us immediately if you believe that an electronic transfer has been made without your permission using information from your Profile. Messaging via secure message in your mobile app within 2 days of activity is the best way of keeping your possible losses down. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was delivered to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If you have shared your access with someone else, you are responsible for all transactions that person or persons initiates at any time.
Liability for Failure to Complete
If we do not complete a transaction to or from your Profile on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance, if:
through no fault of ours, you do not have enough money in your Profile to make the transaction;
circumstances beyond our control (such as fire, flood, power failure, or computer down time) prevented the transaction, despite reasonable precautions that we have taken;
the money in your Profile is subject to an uncollected funds hold, legal process or any other encumbrance or agreement restricting a transaction;
the failure to complete the transaction is done to protect the integrity of the system or to protect the security of your profile.
There may be other exceptions not specifically mentioned above.
Error Resolution or Questions regarding Electronic Funds Transfers
Notify us using the “Communicating with Us sections above”, if you think your statement is wrong or if you need more information about a transfer listed on the statement. You should notify us if you believe a transfer has been made using information from your profile without your permission. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem or error appeared.
Tell us your name and Date of birth
Describe the error or the transfer you are unsure about, and explain as clearly as you can, why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.
We will tell you the results, in writing, of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Profile 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 us to complete our investigation.
If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
* If you assert an error within thirty (30) days after you make the first deposit to your Profile, we will have twenty (20) business days instead of ten (10) business days.
** If you give notice of an error within thirty (30) days after you make the first deposit to your Profile or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.
Disputes and Resolutions
If we believe that there is a dispute among the users of a shared product, we may, in our sole discretion, place a hold on the funds in the product pending resolution of the dispute to our satisfaction. We may, instead, permit users to continue to use the funds or we may transfer the balance to a court for a court order determining who is authorized to claim the funds from the balance. We will not be liable for taking any of these actions. You must reimburse us for all expenses and costs we incur, including reasonable attorneys’ fees. We may deduct any of our losses, costs, or expenses from your Profile without giving you notice.
If a person other than you makes a claim to your funds, we may choose not to act on that claim until we receive a court order. We may, however, act on the claim if the person agrees in writing to pay us for any losses, damages, costs, and expenses we incur (this is called indemnification). We are not liable if we pay a payment or if a withdrawal is drawn on your Profile, even if we act after we receive notice of the claim.
Corrections and Errors
We may adjust your Profile in our sole discretion to correct computation, transaction recording, or other errors. We will not be liable for errors, mistakes, or negligence by other banks that process any items. We will not be liable if the item is lost in transit or there is a delay in payment of the item.
If, for any reason, we credit your Profile in error or for an amount in excess of the amount to which you are entitled, you agree to immediately pay us the amount of the credit or excess amount. We may deduct the amount of the credit or excess amount from your Profile without notice to you. We may also use any other legal remedy to recover the credit or excess amount.
Waiver of Jury Trial
YOU HEREBY EXPRESSLY WAIVE TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS AGREEMENT OR ANY TRANSACTION CONTEMPLATED HEREBY. SHOULD YOU HAVE A DISPUTE WITH THE COMPANY AND HAVE CONTACTED THE COMPANY AND NOT BEEN ABLE TO REACH A RESOLUTION, YOU AGREE TO ENTER INTO AN ARBITRATION AGREEMENT. PLEASE READ THE FOLLOWING ARBITRATION AGREEMENT CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE ALL DISPUTES WITH THE COMPANY AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF:
You and we acknowledge and agree that any controversy, claim, or dispute arising out of or relating to the subject matter of these Terms or to the Services, including, without limitation, federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation, or any other legal theory, shall be finally resolved, on an individual basis, through binding arbitration. Any arbitration shall be conducted (i) confidentially, (ii) in English, (iii) by the American Arbitration Association and Meditation (AAA), (iv) before a single arbitrator with substantial experience in resolving commercial contract disputes, and (v) in accordance with the AAA Comprehensive Dispute Resolution Rules and Procedures, available at www.adr.org.
Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction. Notwithstanding the foregoing obligation to arbitrate disputes, each party shall have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction.
Any dispute over the arbitrability of these Terms and/or the arbitrability of any dispute shall be resolved in arbitration in accordance with this provision.
You agree that you are electing to have any and all claims and disputes between you and the Company resolved by binding arbitration and are giving up any rights to go to court, except as expressly provided herein. YOU ACKNOWLEDGE AND AGREE YOU AND THE COMPANY ARE EACH WAIVING ANY RIGHT TO A TRIAL BY JURY.
To the extent that any controversy, claim, or dispute is not resolved by binding arbitration, you and the Company agree that any judicial proceeding will be brought in the state or federal courts located in Arkansas.
Choice of Governing Law
This Agreement is subject to applicable federal laws and, to the extent that state law applies, the laws of the state of Arkansas and other applicable rules without regard to conflicts of law principles (except to the extent that this Agreement can and does vary such laws).
Duty of Care and Limitation on Liability
Our responsibility is limited to our exercise of reasonable and ordinary care. We use automated systems to process items and other transactions. You agree that if these systems are consistent with general banking practice, our use of them constitutes ordinary care and we may not be liable to you for forgeries or alterations, or other errors not detected by these systems. We may rely only on information that is encoded on items even if this information is different from other information on the item. We will not be liable to you or any other person for any loss caused by an event that is beyond our control, such as fire, natural disasters, war, national emergencies, riots, strikes, computer failure, or loss of power, communication, or transportation facilities. In no event will we be liable for any indirect, special, or consequential damages of any kind or punitive damage even if we were advised that such damages were possible. This limitation on our liability will apply regardless of the form of any suit or action; for example, regardless of whether the claim is based on contract or tort (negligence).
OUR OBLIGATIONS AND YOUR RIGHTS AS SET FORTH IN THIS AGREEMENT ARE THE ONLY RIGHTS AND OBLIGATIONS WHICH GOVERN, AND NO OTHER WARRANTIES ARE EXPRESSED OR IMPLIED. YOU AGREE THAT NEITHER WE NOR OUR SERVICE PROVIDERS WILL BE LIABLE FOR ANY HARM, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (I) THE USE OR THE INABILITY TO USE OUR WEBSITE OR ANY MOBILE-ONLY BANKING SERVICES; (II) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM OUR WEBSITE OR MOBILE-ONLY BANKING SERVICES; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (IV) STATEMENTS OR CONDUCT OF ANYONE ON OUR WEBSITE OR IN ANY RELATED SERVICES; OR (V) ANY OTHER MATTER RELATING TO OUR WEBSITE OR ANY MOBILE-ONLY BANKING SERVICES.
U.S. Patriot Act Notice
Important information about procedures for opening a new profile: 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 a profile. What this means for you: when you open a profile, 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. The information provided will be securely stored and retained in accordance with applicable federal laws.
We may change the terms and conditions of this Agreement from time to time by e-mailing notice to your e-mail address as it appears in our records. If any change results in greater cost or liability to you or decreases access to your profiles, you will be given at least thirty (30) days prior notice of the change. Prior notice may not be given where an immediate change in terms or conditions is necessary to maintain the integrity of the system and/or the security of payment cards or your Profile. Except as stated otherwise in the Agreement, this Agreement does not alter or amend any of the terms or conditions of any other agreement you may have with TeamWALT or Southern Bancorp Bank. If you are unwilling to agree to such amendments, you have the right to close your Profile prior to the changes taking effect. Your continued use of the Profile after the effective date of the changes constitutes your agreement to the amendment.
Waiver of Terms
We may waive enforcing any of the terms of this Agreement on any occasion. Any waiver will not affect our right to enforce any terms with respect to other customers or on other occasions with you. Any waiver will not modify this Agreement.
If any part of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.
In addition to reporting complaints about Envie directly to us as described above, you may also report complaints to the following addresses for the following states if you are a resident:
California: California Department of Business Oversight by mail at Department of Business Oversight, Attn: Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 or online through it’s website at http://www.dbo.ca.gov/Consumers/consumer_services.asp. The California Department of Business Oversight offers assistance with its complaint form by phone at866-275-2677. If you are a California resident, you have a right to receive communications about your Envie profile and the Envie services by email. To make such a request, send us a secure message request via the app.
Florida: Florida Department of Financial Services in writing at 200East Gaines Street, Tallahassee, Florida, 32399, or by telephone at 1-800-342-276
End User Data
Envie uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Envie and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Notice.