Terms of Service

Last updated: March 14, 2019


Please read these Terms of service ("Terms") carefully before using the iwallet.com or any associated websites, APIs, or mobile applications (the iWallet) operated by iWallet, Inc. (iWallet, "us", "we", or "our").


Your access to and use of the Services (defined below) is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Services.


Some of the Services may be subject to our additional terms, conditions, agreements and schedules, which are posted on the iWallet or made available separately from these Terms (Additional Terms). Your use of the Services may also be subject to our additional policies, guidelines or rules we also post or make available. Such Additional Terms policies, guidelines and rules are incorporated into and form a part of these Terms. If there is a conflict between these Terms and the Additional Terms, the Additional Terms will control.


By accessing or using the Services you agree to be bound by these Terms as well as our Privacy Policy and E-Sign Consent. If you disagree with any part of these Terms then you do not have permission to access the Services.


Consent to Doing Business Electronically


Because our platform operates on mobile devices and the Internet, you consent to transact business with us electronically. Agreements you enter into with us are signed electronically. We will provide disclosures, notices, alerts and communications to you by electronic means, for example, by posting it on our website, sending you an in-app message, emailing it to an email address that you have provided us, sending it as a text message to any mobile phone number that you have provided us, or making it available to you in your iWallet Account (defined below). All notices by any of these methods will be deemed received by you no later than the earlier of when received or 24 hours after sent or posted.


Who Can Use the Services


Only individuals 18 or older who can form a legally binding contract and can use the Services, as well as business entities. We may impose other restrictions as well.


All accounts should be created ONLY by US citizens with a US bank account


By using the Services on behalf of someone else, you affirm you have the authority to bind that person to these Terms, and that you will be bound to these Terms on behalf of that person.


Basic iWallet Services


Your iWallet Account encompasses the following basic services: A U.S. dollar wallet for use in connection with our payment services ("USD Wallet"); and the purchase of products and services when you visit or shop via our iWallet (collectively, the "Services"). Some of the Services may not be available generally, or more specifically to residents of certain jurisdictions.


Registration of iWallet Account. In order to use the Services, you must register for an iWallet account ("iWallet Account"). During the registration process, we will ask you for certain information, including your name and other personal information, to verify your identity. We may, in our sole discretion, refuse to open an iWallet Account for you, or limit the number of iWallet Accounts that you may hold.


You may not use as a username the name of another person or that is not lawfully available for use, a name or trademark that is subject to any rights of another person other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.


Your username and password are for your personal use only, and not for use by any other person. You are responsible for safeguarding your username and password, and agree not to transfer or lend them to anyone else. You are responsible for all interaction with the Services that occurs with your username or password. You agree to immediately notify us of any unauthorized use of your username or password or any other breach of security related to your iWallet Account or the Services. You agree to log out from your iWallet Account (if applicable) at the end of each session. We are not liable for any loss or damage arising from you not complying with any of your obligations in this paragraph.


Accuracy of information. When you register for an Account, you may be required to provide information that will allow us to verify your identity, including but not limited to: a valid US physical address (not including P.O. Boxes or commercial mail receiving agencies), phone number, bank or credit union account information, a copy of your photo identification, and your tax identification or social security number. You agree to provide true and accurate information to iWallet when you create your Account. You also agree to update this information to keep it true and accurate at all times.

Authentication. You may be required to provide additional information or documentation to allow iWallet to verify your identity and/or your account information. iWallet may also verify your information against third party databases or other sources and you authorize iWallet to make such inquiries.


Companies must provide the information we request. We may require the individual information above for an individual who directly or indirectly holds 25% or more of the equity interests of the company or has managerial control of the company.


We may require you to provide additional information, verify your information, or wait some amount of time after completion of a transaction before permitting you to use any of the Services or engage in transactions beyond certain volume limits.


USD Wallet


General. iWallet offers a payment service that lets you send funds (U.S. dollars) to, or receive funds from, other users with a iWallet Account and USD Wallet (USD Payment Service). You can pay for goods or services at certain merchants. In order to use our USD Payment Service, you will need to first sign up for a Dwolla Platform Account.


Dwolla Platform Account. We have partnered with Dwolla, a payments provider company, to offer you the USD Payment Services. When you sign up for an iWallet Account with us, you will also be prompted to sign up for a Dwolla account (called a "Dwolla Platform Account"). You authorize us to share any of your information with Dwolla needed to open and support your Dwolla Platform Account. It is your responsibility to make sure data you provide us is accurate and complete.


It is important you understand the nature of the two separate accounts underlying your iWallet Wallet. Your iWallet Wallet on our platform is the interface where you can manage your funds, while your funds are stored with Dwolla's financial institution partners until they are used for transactions.


In order to use the payment functionality of iWallet web-application, you must open a "Dwolla Platform" account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in the Dwolla account are held by Dwolla's financial institution partners as set out in the Dwolla Terms of Service. You authorize us to share your identity and account data with Dwolla for the purposes of opening and supporting your Dwolla account, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through our application, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at iwallet.com, [email protected]


When you open a Dwolla Platform Account, you will link a checking or savings account from a bank. Once linked, you can load funds from the linked bank account to your Dwolla Platform Account. Any funds you load to the Dwolla Platform Account are placed in a pooled account held by one of Dwolla's financial institution partners. Be aware of the following about the pooled account:


It does not pay interest.


It is not eligible for FDIC insurance, individual insurance, or share insurance offered by the National Credit Union Share Insurance Fund.


If the financial institution partner enters into receivership, you may lose value.


When you send funds, receive funds, or make payments to merchants, Dwolla's financial institution partners will debit or credit your Dwolla Platform Account based on the instructions you send through iWallet. Neither iWallet nor Dwolla receive, hold, or transmit funds.


iWallet (not Dwolla) will provide you with any and all notifications as well as all customer support related to the Dwolla Platform Account. Please contact us if you have any questions.


Special Offers and Services. We may, at any time, provide special offers from select merchants to you and load these offers onto your iWallet Account. We may also add to our USD Payment Services as we create new ways for you to use our platform.


We may offer a sign-up incentive for limited periods of time. If we do, we may stop offering this incentive at any time.


Account Balances. You cannot use our USD Payment Services to send funds you don't have. When you initiate a transaction through your USD Wallet, you must have enough funds in your USD Wallet to support that transaction, or we will not permit it to go through.


You cannot have a negative balance in your USD Wallet and you cannot incur overdrafts.


Electronic Fund Transfers Through Dwolla Platform Account. You can initiate the following electronic fund transfers ("EFTs" for short) through your USD Wallet:


Load funds to your Dwolla Platform Account from a bank account linked to your Dwolla Platform Account;


Withdraw funds from your Dwolla Platform Account to your linked bank account; and


Transfer funds from your Dwolla Platform Account to another iWallet Account users Dwolla Platform Account.


Make purchases at participating merchants.


Once the above EFTs are initiated through your USD Wallet, we pass along your payment instructions to Dwolla in order to complete the transaction. Dwolla sets transaction limits on these transfers, which you should review carefully in Dwolla's Terms of Service.


EFTs for Merchant Purchases; Limitations. When you make a purchase at a participating merchant, you authorize an EFT that debits your Dwolla Platform Account. As above, we pass along your payment instructions to Dwolla in order to complete the transaction.


In addition to the limits set by Dwolla, noted above, we impose a transaction limit on purchases made at merchants.


Your Liability for Unauthorized EFTs. Tell us AT ONCE if you believe your USD Wallet has been accessed without your permission or an EFT has been made from your USD Wallet without your permission. Email is the best way to keep your losses down. You could lose all the money in your USD Wallet.


You can email us at [email protected], and you call us at 866-376-4880. Our business days are Monday through Friday, not including federal holidays.


If you tell us within 4 business days after you learn of the unauthorized access to your USD Wallet, you can lose no more than $50 if someone initiated an EFT without your permission.


If you do NOT tell us within 4 business days after you learn of the access, and we can prove we could have stopped someone from initiating an EFT without your permission if you had told us, you could lose up to $500.


Also, if your transaction history shows EFTs that you did not make, tell us at once. If you do not tell us within 90 days after the date of the transaction, and we can prove we could have stopped someone from taking the money if you had told us in time, you may not get back any money you lost after those 90 days. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.


Transaction History. You will be able to see your transaction history on your USD Wallet. We will not send you a periodic statement listing transactions you make on your USD Wallet. If you have any questions about these transactions, email us at [email protected]


ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH YOUR USD WALLET MUST BE DIRECTED TO US AND NOT TO DWOLLA OR ITS FINANCIAL INSTITUTION PARTNER THAT HOLDS YOUR FUNDS. We are responsible for the EFT service and for resolving any errors in transactions made with your USD Wallet.


Our Liability for EFTs. If we do not complete an EFT to or from your USD Wallet on time or in the correct amount, 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 Account to make the EFT.


If our system was not working properly and you knew about the breakdown when you started the EFT.


If circumstances beyond our control (such as fire or flood) prevent the EFT, despite reasonable precautions that we have taken.


There may be other exceptions to our liability stated in these Terms.


Disclosure of Your Information. We will disclose information to third parties about your USD Wallet or the EFTs you make:


Where it is necessary for completing EFTs;


In order to verify the existence and condition of your USD Wallet for a third party, such as a credit bureau or merchant;


In order to comply with government agency or court orders; or


If you give us your permission.


Fees.


iWallet reserves the right to charge fees for any Service offered under the iWallet.


You understand that your bank and merchants may charge you fees.


Error Resolution


EFT Error Resolution. Contact us immediately at [email protected] or if you think that: (i) your USD Wallet has been accessed without your authorization, (ii) a transaction that you did not authorize has occurred, (iii) a transaction has been processed incorrectly to or from your USD Wallet, or (iv) your transaction history contains an error. If you give someone access to your USD Wallet and that person conducts transactions without your authorization, these transactions are not considered errors, unless you are the victim of a phishing attack or similar exploit.


We must hear from you within 90 days after the date of the suspected error. We may extend this period by a reasonable time if you are delayed because you initially attempted to notify the financial institution that holds your funds.


When you notify us of the suspected error, please provide:


Your name and email address;


The nature of the suspected error and why you believe it is an error; and


The dollar amount of the suspected error.


We will determine whether an error occurred within 10 business days after you notify us and will correct any error promptly. If we need more time, we may take up to 45 days to investigate. If we decide to take extra time, we will provisionally credit your USD Wallet within 10 business days for the amount of the suspected error. If we ask you to send your inquiry by email and we do not receive it within 10 business days, we may not credit your USD Wallet. For errors involving new USD Wallets, we may take up to 90 days to investigate and up to 20 business days to credit your USD Wallet.


We will tell you the results within 3 business days after completing our investigation. If we decide there was no error, we will reverse any provisional credits and will provide you with a written explanation. You may ask for copies of the documents we used in our investigation.


All Other Errors. If you believe there is some transaction error that does not involve an EFT, contact us within 4 business days of the transaction. If you do not contact us within 4 business days, we will not be liable for any loss.


Cancellation and Refunds. As a general rule, we do not cancel or reverse transactions, including EFTs. If you want to cancel an EFT you initiated within the past 30 minutes, please contact us immediately.


Also, we do not provide refunds. If you want a refund, please contact the merchant who received your payment.


Purchases with Merchants. You may purchase goods or services at participating merchants. When you make these purchases, you authorize a debit from your iWallet Account or connected Bank Account in the amount of the purchase.


Other Purchases


USD Purchases. If you wish to purchase any product or service made available through the Services ("Purchase"), you may be asked to supply certain information relevant to your Purchase, including your debit or credit card number, the expiration date of your card, your billing address, and your shipping information.


You represent and warrant that: (i) you have the legal right to use any credit card, debit card or other payment method in connection with any Purchase; and that (ii) the information you provide is true, correct and complete.


Returns. You have 30 calendar days to return an item from the date you received it. To be eligible for a return, your items must be unused and in the same condition that you received it. Your item must be in the original packaging. Damaged or defective merchandise may also be returned for a replacement of the exact item. Replacement orders will ship once the return of the original item is received and processed at our warehouse.


Refunds: If your return is approved, we will initiate a refund to your credit card (or original method of payment). You will receive the credit within a certain amount of days, depending on your card issuers policies.


Shipping: You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.



The Services may employ the use of third party services for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.


We reserve the right to refuse or cancel your order at any time for reasons including to: product or service availability, errors in the description or price of the product or service, error in your order or other reasons.


We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.


We may use a third party payment provider to process any USD payment between you and iWallet.


Right to Stop Transactions


We may stop any of your transactions if we have reason to believe there may be suspicious activity involved or for any other reason so long as we are not prohibited by law.


Availability, Errors and Inaccuracies


We are constantly updating product and service offerings. We may experience delays in updating information on the Services and in our advertising on other websites. The information found on the Services may contain errors or inaccuracies and may not be complete or current. Products or services may be mispriced, described inaccurately, or unavailable on the Services and we cannot guarantee the accuracy or completeness of any information found on the Services.


We therefore reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.


Contests, Sweepstakes and Promotions


Any contests, sweepstakes or other promotions (collectively, "Promotions") made available through the Services may be governed by rules that are separate from these Terms. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a Promotion conflict with these Terms, the Promotion rules will apply.


Mobile Use


The Services include certain services that are available via a mobile device, including (i) the ability to upload content to the Services via a mobile device, (ii) the ability to browse the Services and our website from a mobile device and (iii) the ability to access certain features through an application downloaded and installed on a mobile device (collectively, the Mobile Use). To the extent you access the Services through a mobile device, your wireless service carriers standard charges, data rates and other fees may apply. In addition, downloading, installing or certain aspects of Mobile Use may be prohibited or restricted by your carrier, and not all aspects of Mobile Use may work with all carriers or devices. You consent to be contacted by us, our contractors, agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or numbers we can reasonably associate with your iWallet Account (through skip trace, caller ID capture or other means). You agree we may contact you in any way, including SMS messages (text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that a contractor, agent, representative or other person calls, he or she may also leave a message on your answering machine, voice mail, or send one via SMS message. You represent that the telephone numbers that you provide to us are your numbers and not someone else's. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number. You also understand that you may incur additional charges for such communications from your carrier.


Intellectual Property


The Services and their original content, features and functionality are and will remain the exclusive property of iWallet, Inc. and its licensors. The Services are protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.


Links To Other Websites


The Services may contain links to third party websites or services that are not owned or controlled by us.


We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third party websites or services. We do not warrant the offerings of any of any other person or website.


You acknowledge and agree that we are not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party websites or services.


We strongly advise you to read the terms and conditions and privacy policies of any third party websites or services that you visit.


Termination


We may terminate or suspend your iWallet Account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including a breach of the Terms.


If you wish to terminate your iWallet Account, you may simply discontinue using the Services, but any obligations you have relating to your iWallet Account and any provisions of these Terms which by their nature should survive termination will survive termination, including ownership provisions, warranty disclaimers, indemnity and limitations of liability.


Indemnification


You agree to defend, indemnify and hold harmless iWallet, Inc., its affiliates and each of their owners, directors, managers, officers, employees, contractors, agents, licensees and licensors from and against any and all claims, damages, obligations, losses, liabilities, judgments, settlements, penalties, fines, debts, costs, fees and expenses (including attorney's fees), resulting from or arising out of (i) your use and access of the Services, by you or any person using your iWallet Account, username or password, or (ii a breach of these Terms.


Setoff


If you owe us any amount, you give us a security interest in your iWallet Account and funds held in any pooled account (does not include your Dwolla Platform Account). You also give us the right, to the extent not prohibited by law, to set off against your funds to pay the amount owed to us. You agree that the security interest you have given us is consensual and is in addition to our right of set off. If we exercise our right of set off, we will notify you to the extent required by law. Notwithstanding the foregoing, nothing herein shall supersede the terms of the Dwolla Terms of Service.


Limitation Of Liability


In no event will iWallet, Inc., its affiliates and each of their owners, directors, managers, officers, employees, contractors, agents, licensees and licensors be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.


We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms or other malware that may affect your mobile device, computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from us. Always log into your iWallet Account through the iWallet Mobile Application to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.


Disclaimer


Your use of the Services is at your sole risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis. The Services are provided without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.


We do not warrant that (i) the Services will function uninterrupted, secure or available at any particular time or location; (ii) any errors or defects will be corrected; (iii) the Services are free of viruses or other harmful components; or (d) the results of using the Services will meet your requirements.


Exclusions


Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.


Restricted Use


By opening a iWallet Account, you confirm that you will not use the Services in connection with any of following businesses, activities, practices, or items:


Investment and Credit Services. Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes.


Restricted Financial Services. Check cashing, bail bonds; collections agencies.


Intellectual Property or Proprietary Rights Infringement. Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder.


Counterfeit or Unauthorized Goods. Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen.


Regulated Products and Services. Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis.


Drugs and Drug Paraphernalia. Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs.


Pseudo-Pharmaceuticals. Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body.


Substances designed to mimic illegal drugs. Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom).


Adult Content and Services. Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features.


Multi-level Marketing. Pyramid schemes, network marketing, and referral marketing programs.


Unfair, predatory or deceptive practices. Investment opportunities or other services that promise high rewards; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers.


High risk businesses. any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies.


Conditional Use


Express written consent and approval from iWallet must be obtained prior to using the Services for the following categories of business and/or use ("Conditional Uses"). Consent may be requested by contacting us at [email protected] iWallet and may also require you to agree to additional conditions, make supplemental representations and warranties, complete enhanced on-boarding procedures, and operate subject to restrictions if you use Services in connection with any of following businesses, activities, or practices:


Money Services. Money transmitters, Digital Currency transmitters; currency or Digital Currency exchanges or dealers; gift cards; prepaid cards; sale of in-game currency unless the merchant is the operator of the virtual world; act as a payment intermediary or aggregator or otherwise resell any of the Services.


Charities. Acceptance of donations for nonprofit enterprise.


Games of Skill. Games which are not defined as gambling under the Terms or by law, but which require an entry fee and award a prize.


Religious/Spiritual Organizations. Operation of a for-profit religious or spiritual organization.


Waiver; Severability


Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding the Services, and supersede and replace any prior agreements we might have had between us regarding the Services.


Changes


We may change these Terms at any time in our sole discretion. If required by law, we will provide notice prior to the change taking effect.


By continuing to access or use the Services after any changes become effective, you agree to be bound by the changed Terms. If you do not agree to the new Terms, you are no longer authorized to use the Services.


Privacy of Others; Marketing


If you receive information about another user through the Services, you must keep the information confidential and only use it in connection with the Services. You may not disclose or distribute a user's information to a third party or use the information except as reasonably necessary to effectuate a transaction and other functions reasonably incidental to the transaction such as support, reconciliation and accounting unless you receive the user's express consent to do so. You may not send unsolicited email to a user through the Services.


Assignment


You may not assign any rights or obligations under these Terms. We reserve the right to assign our rights and obligations without restriction, including to any affiliate or subsidiaries or other person. Any assignment by you in violation of this section is null and void. these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.


Dispute Resolution


Governing Law


These Terms will be governed according to the laws of the State of California, and all activities performed in connection with the Services will be deemed to have been performed in California. Any controversy, dispute, or claim arising out of or relating to the Services or these Terms will be governed by and construed in accordance with the laws of California, except the provisions concerning conflicts of law.


Disputes


If a dispute arises between you and iWallet, our goal is to learn about and address your concerns, so please contact us at [email protected]


Arbitration


THIS SECTION AFFECTS YOUR RIGHTS. PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS.


To resolve disputes in the most expedient and cost effective manner, you and iWallet agree that any dispute arising in connection with the Services will be resolved by binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Our agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of the Services, whether based in equity, contract, tort, statute, fraud, misrepresentation or any other legal theory, and regardless of whether the claims arise during or after the termination of the Services.


YOU UNDERSTAND THAT, BY AGREEING TO THESE TERMS, YOU AND iWallet ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION.


We both agree that nothing in these Terms will be deemed to waive, preclude, or otherwise limit either of our right to (I) bring an individual action in small claims court, or (II) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available.


Any arbitration between you and iWallet will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association ("AAA Rules"). The AAA Rules and filing forms are available online at www.adr.org, or by calling the AAA at 1-800-778-7879. Your arbitration filing fees will be governed by the AAA Rules. If it is determined by the arbitrator that you cannot afford such fees, we will pay all arbitration fees and expenses.


Any arbitration hearings will take place in San Francisco, California, provided that if the claim is for $10,000 or less, you may choose whether the arbitration will be conducted (i) solely on the basis of documents submitted to the arbitrator; (ii) through a nonappearance based telephonic hearing; or (iii) by an in-person hearing as established by the AAA Rules.


YOU AND iWallet AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.


You agree that the enforceability of these arbitration provisions will be determined by the arbitrator as provided in the AAA Rules. You agree that the arbitration provisions of these Terms in effect at the time of demand or action, and not the time of your or our alleged injury, will be the provisions that will be applied by the arbitrator or a court.


Contact Us


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


E-SIGN DISCLOSURE AND CONSENT


Electronic Delivery of Communications


You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that we provide in connection with your iWallet Account and your use of the Services. Communications include:


Terms of use and policies you agree to (e.g., the iWallet User Agreement and Privacy Policy), including updates to these agreements or policies;


Account details, history, transaction receipts, confirmations, and any other Account or transaction information;


Legal, regulatory, and tax disclosures or statements we may be required to make available to you;


Responses to claims or customer support inquiries filed in connection with your Account; and


Any other Communication.


We will provide these Communications to you by posting them on the iWallet, providing them in your iWallet Account, emailing them to you at the primary email address listed in your iWallet profile, communicating to you via instant chat, and/or through other electronic communication such as text message or mobile push notification.


Hardware and Software Requirements


In order to access and retain electronic Communications, you will need the following computer hardware and software:


A device with an Internet connection;


A current web browser that includes 128-bit encryption (e.g. Internet Explorer version 9.0 and above, Firefox version 3.6 and above, Chrome version 31.0 and above, or Safari 7.0 and above) with cookies enabled;


A valid email address (your primary email address on file with iWallet); and


Sufficient storage space to save past Communications or an installed printer to print them.




How to Withdraw Your Consent


You may withdraw your consent to receive Communications electronically by contacting us at iWallet [email protected] If you fail to provide or if you withdraw your consent to receive Communications electronically, iWallet reserves the right to immediately close your iWallet Account or charge you additional fees for paper copies.


Requesting Paper Copies of Electronic Communications


You may request that we send you a paper copy of Communications via U.S. Mail. To request a paper copy, contact us at [email protected] You must provide your current U.S. mailing address so we can process this request. We may charge you a reasonable fee not to exceed $10 per copy. Except as prohibited by law, we reserve the right, in our sole discretion, to deny your request.


Updating your Information


It is your responsibility to provide us with a true, accurate and complete e-mail address and your contact information, and to keep such information up to date. You understand and agree that if iWallet sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, iWallet will be deemed to have provided the Communication to you.


You may update your information by logging into your account and visiting settings or by contacting our support team at [email protected]