1. Introduction

IMPORTANT – PLEASE CAREFULLY READ AND MAKE SURE YOU UNDERSTAND THIS TERMS OF SERVICE BEFORE ACCESSING, USING, OR ENGAGING WITH OUR WEBSITE OR PLATFORM. YOU MAY ONLY APPLY FOR, OPEN, AND MAINTAIN AN ACCOUNT WITH SLASH FINANCIAL (“ACCOUNT”) AND/OR OTHERWISE ACCESS OR USE THE SERVICES IF YOU AGREE TO THIS TERMS OF SERVICE. PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

This Terms of Service (this “Agreement”) explains the terms under which you may access and use the technology platform and financial services we make available to you (the “Services”) that we, Slash Financial, Inc. (“Slash,” “we,” “our,” “us”), make available at https://joinslash.com (the “Website”) and via our mobile application. We refer to our Website and mobile app collectively as the “Platform.” As used in this Terms of Service, “you” means the company that is applying for or has opened a Slash Account to use the Services or the individual authorized to use the Services on the company’s behalf. If you do not agree to these Terms of Service in their entirety, you are not authorized to use the Platform in any manner or form whatsoever.

THIS TERMS OF SERVICE CONTAINS DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITIES (SEE SECTIONS 11 AND 12). THIS AGREEMENT ALSO CONTAINS ARBITRATION PROVISIONS THAT WAIVE YOUR RIGHT TO A COURT HEARING, RIGHT TO A JURY TRIAL AND RIGHT TO PARTICIPATE IN A CLASS ACTION. SUCH ARBITRATION IS MANDATORY AND IS THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW IN SECTION 11 OR IF YOU OPT-OUT.

We may modify this Terms of Service, including any supplements or addenda, by posting an amended version at https://www.joinslash.com/legal/terms-of-service. The amended version will be effective at the time we post it, unless otherwise noted. If an amended versions changes a material term or condition of a prior version of this Terms of Service, we will provide you with reasonable prior notice before the amendments are binding on you; provided, however, the amended Terms of Service may take effect immediately in certain circumstances, including where required to comply with applicable law, regulation or rules or to avoid or mitigate any material risk, loss or damage. If you do not accept any such amendment, you must cancel your Slash Account. If you continue to use the Services or Cards after any modification takes effect, you will be deemed to have consented to the revised Terms of Service.

2. Your Representations

By using the Platform and agreeing to this Terms of Service, you represent that you are at least the age of majority in your state or province of residence. If you apply for an Account, you affirm that you have the legal capacity to enter into a binding contract with us, have read this Agreement, and understand and agree to its terms.

You may only apply for an Account, and use the applicable Services under such Account, along with the requirements in Section 2 below, if you are a legal entity formed and registered in the United States or a U.S. resident over the age of 18, and can form a binding contract with Slash. You may only use the Services in compliance with this Agreement and all applicable local, state, national, and international laws, rules and regulations.

3. Account Eligibility

To open and maintain an Account for accessing our Services, including deposit accounts, debit cards, and charge cards offered by our banking partners (“Account Providers”), you are required to provide comprehensive company data and personal data (collectively “Company Information”) as determined by us. We provide Company Information to our Account Providers and other third-party service providers to determine your eligibility for access to certain Services. We rely on the accuracy of the Company Information you provide us when opening and maintaining your Account. You shall keep all Company Information current, complete, and accurate at all times.

We may require additional information from you at any time, including information to assess your financial condition, for verification purposes, or for other legitimate business purposes. We may deny your applications, suspend provision of such Services to you, or close your Account if Company Information is out of date, incomplete, or inaccurate. You acknowledge that you have obtained or will obtain appropriate consent and authorization of any person whose personal data you provide third party access to.

You also represent and warrant to us: (i) that you are at least eighteen (18) years old; (ii) that you have not previously been suspended, removed or deactivated from the Services; and (iii) that your registration and your use of the Services is in compliance with any and all applicable laws and regulations.

Slash offers different levels of subscriptions for your Account. Your Account rewards, benefits, fees and services may vary depending on your subscription level and your Account Provider. You can view or change your subscription level at any time by logging into your Account and viewing your Account dashboard. Subscriptions will automatically renew monthly, on the earlier of the calendar day of the month in which you originally enrolled in a subscription level or the end of the month(the “Renewal Date”). Subscription fees are due on the Renewal Date. If you change your subscription level before the next scheduled Renewal Date, then you will continue to receive access to the benefits of your prior subscription level until the next scheduled Renewal Date. Your new subscription will begin on the next scheduled Renewal Date. You can view the different benefits of Slash’s subscription levels by visiting: https://help.joinslash.com/en/articles/6377558-choosing-the-right-subscription.

You may be responsible for paying a monthly fee for your subscription. You authorize Slash or Account Provider to debit your Account in the amount of any subscription fees owed on the Renewal Date. If you do not have sufficient funds in your Account, then you authorize Slash to initiate an electronic debit to an external bank account, if you have one on file for your Account, in an amount equal to the subscription fees owed on or after the date the fees are owed.

4. Account Management

You must specify at least one control person (“Control Person”) to manage your Account when submitting your application to Slash. This Control Person is authorized to conduct various activities including managing users, requesting cards, and updating company information. Control Persons must have, and you represent that any individual designated as a Control Person has significant responsibility to control, manage, or direct the company, such as an executive officer or senior manager of the company. You are responsible for any actions or failure to act on the part of Control Persons or those using their credentials to access your Account. You are solely responsible for the actions or omissions that occur on your Account.

Slash will not be liable for any losses caused by any unauthorized use of your Account. You must keep your Account password strong and secure. Any suspicious activity including a security breach or unauthorized access must be reported to Slash without undue delay. We may suspend access to any Account where a suspected security risk is identified.

5. Account Restrictions

Slash may terminate or suspend any Accounts and Services that we know or believe are related to Prohibited Activities or that otherwise do not comply with the restrictions in this section, as determined in Slash’s sole discretion. Such activity (collectively, “Prohibited Activities”) includes, but is not limited to activity that:

hacks or damages the Website or Platform
uses the Account or the Services for any personal, family, household, or other use that is not related to your business purpose;
uses the Account or the Services for the benefit of an individual, organization, or country listed on the United States Office of Foreign Asset Control’s Specially designated Nationals List
uses the Account or the Services for any third parties unaffiliated with Company,
uses the Account or the Services to collect any market research for a competing business,
impersonates any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity,
interferes with or attempt to interrupt the proper operation of the Services through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any Slash intellectual property, data, files, or passwords related to the Services through hacking, password or data mining, or any other means;
decompiles, reverse engineers, or disassembles any software or other products or processes accessible through the Services;
circumvents, removes, alters, deactivates, degrades, or thwarts any of the protections in the Services;
uses any robot, spider, scraper, or other automated means to access the Services for any purpose without our express, written permission; provided, however, we grant the operators of public search engines permission to use spiders to copy materials from the public portions of the Services for the sole purpose of, and solely to the extent necessary for, creating publicly-available searchable indices of the materials, but not caches or archives of such materials;
takes any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure; or
involves any activity that may negatively impact the Platform as determined by Slash.

6. Privacy & Security Disclosure

By using the Services, you acknowledge and agree that Slash’s Privacy Policy is incorporated into this Terms of Service by reference and constitutes a part of this Terms of Service and that Slash may use any personal data we collect or receive, whether through the use of our Website or our Platform in accordance with our Privacy Policy, which may be viewed at https://www.joinslash.com/legal/privacy-policy. Additionally, You grant Slash the right to aggregate and de-anonymize data we collect or receive from your use of the Services (“De-Anonymize Site Data”). Slash may generate, use and disclose De-Anonymize Site Data for Slash's own purposes, including to improve and develop Slash products, services, and marketing efforts (such as developing data products and providing aggregate insights to other customers). If you do not agree with our Privacy Policy, please do not use our services. Additionally, your use of the Account and Cards may be subject to the privacy policies and/or notices of our Account Providers, as disclosed to you in your agreements with Account Providers.

We will not share any Company Information with third parties for marketing their unaffiliated products without your consent but may identify Services, third-party products, and programs that we believe may be of interest to you.

7. Intellectual Property Rights

All aspects of our Platform are protected by U.S. and international copyright, trademark, and other intellectual property laws. You do not acquire any ownership or other rights by downloading or using the Platform or any material on it.

All material on the Platform, including, without limitation, all informational text, photographs, animation, illustrations, artwork, software, music, sound, photographs, graphics, audio, video, messages, files, documents, images or other materials (collectively, the “Materials”), whether publicly posted or privately transmitted, as well as all derivative works, are owned by Slash Financial, Inc. You may choose to, or we may invite you to, submit comments or ideas about the Services, including without limitation about how to improve the Services or our products (“Feedback”). By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited and without restriction, and will not place Slash under any fiduciary or other obligation, and that we are free to use your Feedback without any additional compensation to you, or to disclose your Feedback on a non-confidential basis or otherwise to anyone.

The Materials on the Website or Platform, may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way, including by e-mail or other electronic means, without the prior written consent of Slash. Any modification of the Materials, use of the Materials on any networked computer environment or application, or use of the Materials for any purpose other than personal, non-commercial use could constitute a violation of the copyright, trademark and other proprietary rights in the Materials and is expressly prohibited.

8. Modifications to the Platform or Services

We reserve the right to modify or discontinue access to the Platform (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third party for any modification, suspension, or discontinuance of access to the Platform or Services.

9. Rewards and Benefits

Slash may alter or discontinue its rewards program (“Rewards Program”) at any time, in its sole discretion. Rewards are subject to this Section and Reward Program terms currently located at: https://www.joinslash.com/legal/cashback-terms (“Slash Reward Terms”). Certain Accounts or transactions may not be eligible for some or any rewards, including cashback reward credits. Rewards may also be subject to limits, revocation, or forfeiture as set forth in the Slash Rewards Terms. Any right to rewards or benefits shall terminate upon the termination of this Terms of Service, the closure of your Account, or in the event of any breach of this Agreement. Certain rewards or benefits may be subject to additional agreements or disclosures.

10. Disclaimer or Warranties

SLASH MAKES NO REPRESENTATIONS ABOUT AND DOES NOT ASSUME ANY RESPONSIBILITY OR LIABILITY FOR THE ACCURACY, COMPLETENESS, TRUTHFULNESS OR TIMELINESS OF ANY STATEMENT FOUND EITHER ON THE WEBSITE OR WITHIN THE PLATFORM. SLASH SHALL NOT BE RESPONSIBLE FOR ANY FINANCIAL DECISIONS MADE BY YOU. IN ADDITION, NOTHING IN THESE TERMS OF SERVICE SHALL BE CONSTRUED TO GUARANTEE SERVICES FOR YOU FOR ANY PARTICULAR PERIOD OF TIME. FURTHER, YOU ACKNOWLEDGE AND AGREE THAT NO JOINT VENTURE, PARTNERSHIP, EMPLOYMENT OR AGENCY RELATIONSHIP EXISTS BETWEEN YOU AND SLASH AS A RESULT OF THESE TERMS OF SERVICE OR YOUR USE OF THE SERVICES.

EXCEPT WHERE PROHIBITED BY LAW, THIS WEBSITE, PLATFORM, AND ALL SERVICES PROVIDED, ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO, AND EXPRESSLY DISCLAIM ANY AND ALL, REPRESENTATIONS AND WARRANTIES AS TO THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, AVAILABILITY, ACCURACY AND/OR COMPLETENESS OF ANY INFORMATION ON THIS PLATFORM. WE DO NOT REPRESENT OR WARRANT, AND EXPRESSLY DISCLAIM THAT: (A) OUR SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED THROUGH THE PLATFORM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR (B) THE WEBSITE OR THE SERVER(S) THAT MAKE THE PLATFORM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR YOUR USE OF THE SERVICES. SLASH DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR ANY HYPERLINKED WEBSITE OR SERVICE, AND SLASH WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

11. Disclaimer of Liabilities

EXCEPT WHERE PROHIBITED BY LAW, IN NO EVENT SHALL SLASH OR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, INDEPENDENT CONTRACTORS, AND/OR AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES, FEES, COSTS OR CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT, THE PRIVACY POLICY, THE SERVICES, OR YOUR OR A THIRD-PARTY’S USE OR ATTEMPTED USE OF THE PLATFORM OR ANY SERVICE, REGARDLESS OF WHETHER SLASH HAS HAD NOTICE OF THE POSSIBILITY OF SUCH DAMAGES, FEES, COSTS, OR CLAIMS. THIS INCLUDES, WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR PRODUCTS, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES. THIS APPLIES REGARDLESS OF THE MANNER IN WHICH DAMAGES ARE ALLEGEDLY CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, OR OTHERWISE. IF, NOTWITHSTANDING THE LIMITATIONS OF LIABILITY SET FORTH ABOVE, SLASH IS FOUND LIABLE UNDER ANY THEORY, SLASH’S LIABILITY AND YOUR EXCLUSIVE REMEDY WILL BE LIMITED TO USD $5,000.00. THIS LIMITATION OF LIABILITY SHALL APPLY FOR ALL CLAIMS, REGARDLESS OF WHETHER SLASH WAS AWARE OF OR ADVISED IN ADVANCE OF THE POSSIBILITY OF DAMAGES OR SUCH CLAIMS. SOME STATES DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU AND YOU MAY HAVE ADDITIONAL RIGHTS.

12. Mandatory Binding Arbitration and Class Action Waiver

Any dispute or claim between the parties arising from or relating to this Agreement or the Services shall be governed by the Federal Arbitration Act (the “FAA”), 9 U.S.C. §§ 1-16 and submitted to arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in accordance with the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes. The arbitrator shall follow the substantive law of the State of California without regard to its conflicts of laws principles.

Notwithstanding anything to the contrary herein, you agree that Slash has the right to bring a claim against you in the state or federal courts in California for injunctive relief, equitable relief, or otherwise arising from any potential or actual misappropriation or infringement of its intellectual property rights and you agree that venue is proper and that you are subject to personal jurisdiction in such forum.

You agree that any arbitration or proceeding shall be limited to the claims between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any claim to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any claim to be brought in a purported representative capacity on behalf of the general public or any other persons. You agree that you may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

13. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Slash, its parent, subsidiaries, predecessors, successors and affiliates, and their respective partners, officers, directors, agents, representatives, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, from and against any and all claims, actions, losses, liabilities, damages, expenses, demands and costs of any kind, including, but not limited to, reasonable attorneys’ fees, arising out of, resulting from, or in any way connected with or related to (1) your breach of the Terms of Service, the documents they incorporate by reference; (2) your breach of any representations or warranties in this Terms of Service; or (3) your violation of any law or the rights of a third-party.

14. Third-Party Websites and Links

Our website and Platform may include materials from third-parties or links to third-party websites. We are not liable for any third-party materials or websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the applicable third-party.

15. Force Majeure

Slash shall not be in breach of its obligations under this Agreement (other than payment obligations) or incur any liability to You for any delay or failure to perform its obligations hereunder if and to the extent such delay or nonperformance is caused by a Force Majeure Event. If Slash is affected by the Force Majeure Event, Slash shall: (i) promptly inform You of such delay or nonperformance; (ii) use commercially reasonable efforts to avoid or remove the underlying cause of the delay or nonperformance; and (iii) resume performance hereunder as soon as reasonably practical following the removal of the Force Majeure Event. “Force Majeure Event” means : acts, events, omissions or accidents beyond a party’s reasonable control, including, without limitation, strikes, industrial disputes, failure of a utility service or transport network, acts of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of machinery, act of terror, Internet service provider failure or delay, denial of service attack, internet infrastructure outages, fire, flood or storm, but excluding (a) financial distress or the inability of You to make a profit or avoid a financial loss, (b) changes in market prices or conditions, or (c) Your financial inability to perform your obligations hereunder.

16. Digital Millennium Copyright Act Notice

Slash’s website maintains specific contact information provided below, including an email address, for notifications of claimed infringement regarding materials posted to this website. All notices should be addressed to the following contact person:

Notification of Claimed Infringement:

‍Slash Financial, Inc.

Attn: Legal

Address: 703 Market St, #1700 San Francisco, CA 94133 United States

You may contact our agent for notice of claimed infringement specified above with complaints regarding allegedly infringing posted material and we will investigate those complaints. If the posted material is believed in good faith by us to violate any applicable law, we will remove or disable access to any such material, and we will notify the posting party that the material has been blocked or removed.

In notifying us of alleged copyright infringement, the Digital Millennium Copyright Act requires that you include the following information: (i) description of the copyrighted work that is the subject of claimed infringement; (ii) description of the infringing material and information sufficient to permit us to locate the alleged material; (iii) contact information for you, including your address, telephone number and/or email address; (iv) a statement by you that you have a good faith belief that the material in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (v) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (vi) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above-listed information may result in the delay of the processing of your complaint.

17. Electronic Communications

You agree that we may communicate electronically with you and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to you electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.

18. Assignment

You may not assign any of your rights under this Terms of Service, and any such attempt will be null and void. Slash and its affiliates may, in their individual discretion, transfer, without further consent or notification, all contractual rights and obligations pursuant to this Terms of Service if some or all of Slash’s business is transferred to another entity by way of merger, sale of its assets or otherwise.

19. No Waiver

No waiver by Slash of any term or condition set forth in this Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by Slash to assert a right or provision under this Terms of Service shall not constitute a waiver of such right or provision.

20. Severability

In the event that any provision of this Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from this Terms of Service. Such determination shall not affect the validity and enforceability of any other remaining provisions.

21. Term and Termination

This Terms of Service is effective until terminated by either you or us, or in accordance with the Account Provider agreements or as otherwise set forth in this Agreement. This Terms of Service may be terminated by You closing your Slash Account and all access to the Services, paying all amounts owed under this Terms of Service, and providing appropriate notice to us; except that you will still be responsible for any charges, Fees, fines, and other losses caused by your action or inaction prior to terminating this Agreement. We may terminate this Agreement, or suspend your Account, by providing you notice. In the event that we terminate this Agreement, this Agreement, as well as any representations, warranties, and other obligations made or taken by you, shall survive the termination of this Agreement.

22. Entire Agreement

Any ambiguities in the interpretation of this Terms of Service shall not be construed against the drafting party.

23. Questions or Additional Information

Please contact Customer Support by email at support@joinslash.com.