This agreement (“Agreement” or “Terms of Service”) between Zipwage Ventures LLC, a Delaware limited liability company and you governs the terms of service for any access to or use of Zipwage’s websites, located at https://zipwage.com/ and https://zipwage.us/, or Zipwage’s Progressive Web Application (the “Zipwage Progressive Web Application”), and, to the extent applicable, any product or service that Zipwage provides to you via Zipwage’s website, the Zipwage Progressive Web Application, or the ZipWage Program. The person who uses Zipwage’s website or who downloads the Zipwage Progressive Web Application (“You”) is agreeing to all of the terms and conditions of the Terms of Service for use of Zipwage’s website, the Zipwage Progressive Web Application, or the ZipWage Program, as the case may be.

The Services include:

• Financial products or services that enable an individual who meets certain qualifications to use the Zipwage Progressive Web Application to request and obtain a Zipwage Account, EFT services, and other financial products and services.
• Information and budgeting tools to help users monitor the hours worked, analyze and predict net pay, and obtain a better picture of earnings.employee specific information including your employment status, employer details, and salary information.
• Access to unpaid earnings for a transaction fee. information, such as details on applications you complete with us, data from transactions you conduct using our Services, including your salary details as provided by your employer or payroll processor.

By using Zipwage’s website, the Zipwage Progressive Web Application, or the ZipWage Program, You acknowledge and agree that You are bound by the terms and conditions of these Terms of Service and Zipwage’s Privacy Notice. Each time you use the Services, You are expressly consenting to the then-current Terms of Service.

By using the website(s) of Zipwage Ventures LLC, or by downloading or using the progressive web application, You signify that:

• You have read and understood the terms and conditions of these Terms of Service.
• These Terms of Service have the same force and effect as a signed agreement on paper. Zipwage reserves the right to modify or discontinue the Services (or any portion of the Services) to You at its discretion. If Zipwage materially changes the terms, Zipwage will notify You via the Services or email.

Zipwage’s Privacy Notice describes Zipwage’s treatment of Your personally identifiable information. By agreeing to these Terms of Service, You expressly consent to the terms, conditions, and other provisions contained in Zipwage’s Privacy Notice.

The Services shall be provided from the date on which You download or register for the Services and accept these Terms of Service, and the Services shall continue until terminated.

Zipwage hereby grants You permission to use the Services as set forth in these Terms of Service, provided that You comply with the following restrictions:

• Do not copy, download, distribute, alter, modify, or create derivative works from any part of the Services without prior written authorization.

• Do not share your password, allow unauthorized access to your account, or jeopardize the security of your account.
• Do not use the Services for unlawful purposes or introduce malware.
• Do not engage in any form of abuse, harassment, or harmful conduct towards another person.

Zipwage may impose a fee or charge on You for use of the Services. You shall be responsible for payment to Zipwage of the applicable Fee. You authorize Zipwage to initiate an Electronic Payment to debit Your Primary Bank Account to satisfy any Fees.

Zipwage will apply reasonable measures to protect the security of nonpublic personal information and other data essential for use of the Services. You shall protect the confidentiality and security of Your Credentials and immediately notify Zipwage of any security breach involving the Services.

Everything You see, hear, or otherwise experience through the Services, including graphics, videos, text, software, photographs, scripts, interactive features, and the like (collectively, “Content”) and the trademarks, service marks, and logos contained therein (“Marks”), are owned by or licensed to Zipwage. Unauthorized use of any materials on the Services may violate copyright, trademark, and other laws.

Zipwage may automatically check the version of the Progressive Web Application you have installed and provide updates, including bug fixes, patches, and enhanced functionality.

By providing a mobile phone number and email address, You expressly consent to receive service-related and marketing text messages and emails from Zipwage. You may opt out of marketing messages by replying STOP or by contacting Zipwage.

These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. All claims and disputes arising out of or relating in any way to these Terms of Service or Your use of the Services shall be finally resolved by binding arbitration on an individual basis.

• The arbitration will be administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. If the AAA is not available to arbitrate, the parties will select an alternative arbitral forum.
  The arbitration will take place in Miami-Dade, Florida, unless you and Zipwage agree otherwise.
• The arbitrator may award declaratory or injunctive relief only for individual claims between Zipwage and You.
• The arbitration proceedings will be conclusive and not appealable, and any party to any award rendered in any arbitration proceeding will be entitled to have judgment entered on that award.

• You may opt out of arbitration and the class action waiver by sending a written notice of Your decision to opt-out. To be effective, this notice must be sent within 30 days of first accepting these Terms of Service. Your notice must include your name and address, your username, and the email address you used to set up your account for the Services, and an unequivocal statement that you want to opt-out of this arbitration.

• Send Your notice to:

• Zipwage – ARBITRATION OPT-OUT NOTICE
• 7166 NW 49th Ct. Lauderhill, FL 33319
• Email: [email protected]

• You and Zipwage agree that any proceedings to resolve any dispute, including arbitration and litigation in court, will be conducted only individually. Neither Zipwage nor you will seek to have any dispute heard as a class action, a class-wide arbitration, a private attorney-general action, or any other proceeding in which either of Zipwage or you act(s) or propose(s) to act as a representative for others.
• You and Zipwage also agree that no arbitration or other proceeding will be combined with another arbitration or proceeding without the written consent of Zipwage, you, and every other party to that arbitration or proceeding.

• These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

• In the event of any dispute, arbitration, or legal proceeding arising out of or relating to these Terms of Service, the prevailing party shall be entitled to recover its reasonable attorneys’ fees and costs from the other party.

These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. All claims and disputes arising out of or relating in any way to these Terms of Service or Your use of the Services shall be finally resolved by binding arbitration on an individual basis.

Signing up with the ZipWage program will serve as an opt-in to receive marketing communications. You may opt out by contacting Zipwage.

This Agreement constitutes the entire agreement between the parties and supersedes all other agreements related to the subject matter hereof. If any provision of this Agreement is held to be invalid, void, or unenforceable, it shall be limited or eliminated to the minimum extent necessary.

• Amount Provided: The amount of the Daily Earnings, minus our transaction fee.
• Daily Earnings: The Unpaid Earnings we have agreed to make available to you before your employer runs payroll for a specified transaction fee.
• Dispute: A situation in which your employer questions, objects, denies, challenges, or contradicts the quality, quantity, or other aspect of any of your services that are related to the Unpaid Earnings.
• Program Terms: These ZipWage Program Terms.
• Unpaid Earnings: The right to payment owed to you by your employer arising out of services you have provided to your employer or its customers.

You can use the ZipWage Program to access some or all of your Unpaid Earnings for a transaction fee. To do so, you must:

• Link your bank account (the same one your employer uses for direct deposits) to your ZipWage account.
• Confirm the linked bank account each time you request access to Unpaid Earnings.
• Accept the transaction terms, including the transaction fee.
• Acknowledge that Zipwage will recoup the Amount Provided from your linked bank account once your employer processes your Daily Earnings.

You consent to your employer sharing employment data with Zipwage to facilitate the ZipWage Program, including your name, address, social security number, employee identification number, earnings and timecard information, and bank account information. Zipwage will only request necessary information and will not share it outside of Zipwage, its regulators, your employer, and service providers necessary to provide the ZipWage Program.

You grant Zipwage a non-exclusive, worldwide, royalty-free, fully paid-up, transferable, sublicensable, perpetual, irrevocable license to use any content you provide in connection with the operation of the ZipWage Program. Zipwage reserves the right to disable access to or delete any content that violates these Program Terms or is otherwise illegal.

You promise to:

• Take actions to preserve and protect Zipwage’s rights to any Daily Earnings.
• Update your bank account information with Zipwage immediately if it changes.
• Not take actions that adversely affect Zipwage’s ability to collect on or retain any Daily Earnings.
• Notify Zipwage immediately if you receive payment on the Daily Earnings from your employer or someone else

You represent and warrant that:

• The Program Terms constitute a legal and valid contract that is binding on you.
• There are no pending claims or investigations involving you or the transactions contemplated by these Program Terms.
• You have not used any name with Zipwage or your employer other than the name used to establish your Zipwage account.
• Each time you request access to Unpaid Earnings, you hold all legal rights to the Unpaid Earnings, free and clear of any liens or encumbrances.

You are responsible for resolving any disputes with your employer regarding Unpaid Earnings. Notify Zipwage immediately if a dispute arises and work directly with your employer to resolve it.

You authorize Zipwage to initiate an ACH account debit from your linked bank account to:

• Collect the Amount Provided on payday.
• Correct errors or fraud related to the Daily Earnings.
• Recover amounts in cases of breach of representations or warranties.

Zipwage has the right of setoff and may offset against any amounts owed to Zipwage by you. Zipwage can exercise this right immediately.

Zipwage takes no responsibility for advertisements or third-party materials transmitted through the Service. Any dealings you have with advertisers are between you and the advertiser. You release Zipwage from any claims or damages arising out of your use of the Service and transactions with advertisers or other third parties.

You may transfer or assign your rights under these Terms of Service only with Zipwage’s prior written consent. Zipwage may assign its rights without restriction and without notice to you.

Software and the transmission of applicable technical data, if any, in connection with the Service may be subject to export controls. You agree to comply with all applicable laws regarding software and the transmission of technical data exported from the U.S. or the country in which you reside.

You acknowledge that Zipwage’s service providers are intended third-party beneficiaries of these Terms of Service.

This Agreement constitutes the entire agreement between the parties and supersedes all other agreements related to the subject matter hereof. If any provision of this Agreement is held to be invalid, void, or unenforceable, it shall be limited or eliminated to the minimum extent necessary.

If you have any questions or need assistance, please contact Zipwage at:

• Email: [email protected]
• Phone: (855) ZIPWAGE
• Address: Zipwage Ventures LLC, 7166 NW 49th Ct., Lauderhill, FL 33319