This user agreement will be effective on January 24, 2019, for users who signed up before December 20, 2018, or immediately for all users who signed up on or after December 20, 2018. Please see here for our user agreement in effect until January 24, 2019, for users who signed up before December 20, 2018.
This user agreement is a contract between you and Connected Ventures LLC, Inc. governing your use of your Scanpay.io account and the Scanpay.io services. You must be in the United States and have a U.S. bank account to use the Scanpay.io services.
You agree to comply with all of the terms and conditions in this user agreement. The terms include an agreement to resolve disputes by arbitration on an individual basis. You also agree to comply with the following additional policies and each of the other agreements posted on scanpay.io/legal that apply to you:
We may revise this user agreement and any of the policies listed above from time to time. The revised version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities we will provide notice to you of at least 21 days. We reserve the right to amend this agreement at any time without notice, subject to applicable law. By continuing to use our services after any changes to this user agreement become effective, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account.
We offer accounts for two types of purposes: personal accounts and approved business accounts. You may only have one personal account. To create a personal account, you must be a resident of the United States or one of its territories, be at least 18 years old or the age of majority in your state of residence, and use a cellular/wireless telephone number that you own. Your Scanpay.io account is a personal account unless you have received our express written approval to open a business account. In addition to this agreement, approved business accounts are also subject to the Approved Business Account Addendum.
Personal Scanpay.io accounts let you do things like:
Except for authorized merchant and Scanpay.io Mastercard payments, personal accounts may not be used to conduct business, commercial or merchant transactions with other personal accounts, which includes paying or accepting payment from other personal accounts held by users you do not personally know for goods or services (for example, concert tickets, electronic equipment, sneakers, a watch, or other merchandise). If you plan to use your Scanpay.io account to sell goods or services, you must have an approved business account. You may also find out more information about offering Scanpay.io as a payment option as an authorized merchant by visiting this webpage.
Keep confidential any credentials you use to access your Scanpay.io account and the Scanpay.io services. You must keep your phone number, email address and other contact information current in your Scanpay.io account profile.
You may close your account and terminate your relationship with us without cost, but you will remain liable for all obligations related to your Scanpay.io account even after the Scanpay.io account is closed. Any incomplete transactions or transfers must be completed or canceled and you must transfer any Scanpay.io balance from your Scanpay.io account before closing it.
In certain cases, you may not close your Scanpay.io account, including:
If your Scanpay.io account is closed for any reason, any Scanpay.io Mastercard affiliated with your account will be canceled.
You can link or unlink a debit card, credit card, or a U.S. bank account to your Scanpay.io account as a payment method. Please keep your payment method information current (e.g. credit card number and expiration date). If this information changes, we may update it using information and third party sources available to us without any action on your part. If you do not want us to update your card information, you may contact your issuer to request this or remove your payment method from your Scanpay.io account.
To use money sent to you for Scanpay.io payments to other users or authorized merchants, we must verify the required identifying information you provide to us. The required identifying information is: name, physical address, date of birth, and social security or taxpayer identification number.
Any money sent to you on Scanpay.io that has not yet been transferred represents an unsecured claim against us and is not insured by the Federal Deposit Insurance Corporation (FDIC). We combine this money with the Scanpay.io money of other Scanpay.io users and invest the money in liquid investments in accordance with state money transmitter laws. We own the interest or other earnings on these investments. However, the claim against us represented by this money is not secured by these investments and you do not have any ownership interest (either legal or beneficial) in these investments. These pooled amounts are held apart from our corporate funds, and we will neither use these amounts for our operating expenses or any other corporate purposes nor will we voluntarily make these amounts available to our creditors in the event of bankruptcy.
If we have verified the required identifying information that you provide to us, Scanpay.io may offer you the ability to transfer money to your Scanpay.io balance from a linked bank account. If we have not verified the required identifying information that you have provided to us, you cannot add money. Remember, you may use the payment methods linked to your Scanpay.io account to fund transactions and you don't need a Scanpay.io balance to send money or buy something using your Scanpay.io account.
Your Scanpay.io balance may be transferred out of Scanpay.io by:
You can manage linked bank accounts in the Payment Methods section of your Scanpay.io account settings. We may set limits on your bank transfers, and you can view bank transfer limits on the Bank Transfer Limits page. The fees applicable to transferring money out of Scanpay.io can be found on the Fees page. Fees and limits may change from time to time in our sole discretion.
We review account and transaction activity at various times, including when bank transfers are initiated. This review checks for, among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you've transacted comply with this agreement. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to money in it or that is sent to you until verification is completed.
Reviews may result in:
Among other reasons, we may take the above actions if you knowingly or unknowingly were a participant in a payment that was made from a stolen card, compromised bank account, or compromised Scanpay.io account, or if you were a participant in a transaction for goods and services between two personal accounts.
SCANPAY.IO SHOULD ONLY BE USED TO TRANSACT WITH PEOPLE YOU KNOW AND TRUST. DO NOT USE SCANPAY.IO TO TRANSACT WITH PEOPLE YOU DON'T KNOW, ESPECIALLY IF THE PAYMENT INVOLVES THE PURCHASE OR SALE OF A GOOD OR SERVICE. UNLESS A VENMO TRANSACTION FOR A GOOD OR SERVICE IS WITH AN AUTHORIZED MERCHANT OR IS MADE WITH YOUR SCANPAY.IO MASTERCARD, IT IS RESTRICTED UNDER THIS AGREEMENT. IF YOU USE SCANPAY.IO TO CONDUCT SUCH A TRANSACTION AND WE LATER REVERSE THE PAYMENT (WHICH COULD OCCUR IF IT IS DETERMINED THAT THIS AGREEMENT WAS VIOLATED OR IF THE PAYMENT WAS MADE USING A COMPROMISED PAYMENT METHOD OR ACCOUNT), YOU COULD LOSE BOTH THE UNDERLYING GOODS OR SERVICES AND THE MONEY SENT FOR THEM.
You have the right to receive an account statement showing your Scanpay.io account activity. You may view your Scanpay.io account statement by logging into your Scanpay.io account on the Scanpay.io website.
You can send money to or request money from a friend using the compose payments feature in your Scanpay.io account. You can also request money from a friend by splitting a Scanpay.io Mastercard or authorized merchant purchase. Your friend will have to accept any charge request before you are sent money. When you accept a charge request sent by another Scanpay.io user, you will send them money.
You can send money to or request money from a friend, even if they don't have a Scanpay.io account at the time you send the payment, using their email address or mobile number. If the friend does not have a Scanpay.io account, they can claim the payment by opening a Scanpay.io account. If they don't claim any money sent within 30 days of the date it is sent, the payment will be cancelled and any money (including any fees you were charged) will be sent back to you.
We may, at our discretion, impose limits on the amount and/or the number of payments you can send and receive. You can view any sending limit on our Payment Limits page.
The fees applicable to sending money can be found on the Fees page. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer.
In order to manage risk, we may limit the payment methods available when you make a payment.
Fees and limits may change from time to time in our sole discretion.
An "authorized merchant" means a merchant that has been authorized by us to accept Scanpay.io as a payment method for purchases of goods and services. This includes, for example, buying something online using your mobile phone through an authorized merchant's website or mobile app and selecting Scanpay.io as your payment method at checkout.
Payments sent via the Scanpay.io app or the Scanpay.io website to another Scanpay.io user do not qualify as payments to an authorized merchant. Similarly, if you are charged via the Scanpay.io app or the Scanpay.io website and accept the charge, this is not a payment to an authorized merchant. Except for purchases from authorized merchants and Scanpay.io Mastercard purchases, if you have a personal account, you are not permitted to use Scanpay.io as a payment method for purchases of goods and services.
Some merchants may require you to have a payment method linked to your Scanpay.io account in order to use Scanpay.io for purchases with the merchant.
In order to manage risk, we may limit the payment methods available for a transaction when you buy something from an authorized merchant.
When you authorize a payment to an authorized merchant, some merchants may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending transaction in your Scanpay.io account. In that case, your authorization of the payment will remain valid until the merchant completes the transaction and we may place a temporary hold on the money in your Scanpay.io account for the payment amount (but no longer than 30 days). If you used a debit or credit card as the payment method, your debit or credit card issuer also may show a pending authorization for a period of time until they release the hold or receive a completed transaction.
When you buy something from an authorized merchant you don't pay a fee to Scanpay.io.
We may, at our discretion, impose limits on the amount or the number of payments you can send, including money you send for authorized merchant purchases. You can view any sending limit on our Payments Limits page.
Fees and limits may change from time to time in our sole discretion.
When we identify a potentially high-risk payment to an authorized merchant, we review the transaction more closely before allowing it to proceed. When this happens, we will place a hold on the transaction and notify the merchant to delay shipping of the item. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the merchant and direct them to ship the item. If we don't clear the transaction, we will cancel it and return the money to you, unless we are legally required to take other action.
You can agree with an authorized merchant to use Scanpay.io as the payment method for future payments with that merchant. This agreement is between you and the authorized merchant and allows the merchant to take payments from your Scanpay.io account with your authorization either on a one-time, regular or sporadic basis, depending on the type of billing agreement.
"Preauthorized payments" are a type of billing agreement that allow an authorized merchant to receive payments from your Scanpay.io account on a regularly recurring basis (for example, every month or otherwise on a routine billing cycle), and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the merchant at least 10 days before the transfer is made. If the merchant provides the option, you may choose to receive this advance notice only when the amount of your preauthorized payment will fall outside a range established between you and the merchant.
You may cancel a billing agreement by reaching out to the authorized merchant directly, by disconnecting the merchant in your "Connected Merchants" page in the Scanpay.io app, or by calling Scanpay.io at (855) 812-4430. You may cancel a preauthorized payment up to 3 Business Days before the date of the next scheduled payment. If you cancel a billing agreement, you may still owe the merchant money for the purchase or have additional obligations to the merchant for any goods or services that you receive but have not paid for.
When you buy something from an authorized merchant using Scanpay.io and the transaction is ultimately refunded, the money will be sent back to you. Money may not always be refunded to the payment method originally used.
As part of the Scanpay.io services, you may be offered the opportunity to apply for a Scanpay.io Mastercard via a designated website or the Scanpay.io app. The Scanpay.io Mastercard is linked to your Scanpay.io account, funded by your Scanpay.io account balance and may be used everywhere Mastercard is accepted in the United States. If you are offered the opportunity to apply for the Scanpay.io Mastercard and proceed to apply, you will be subject to The Bancorp Bank's approval criteria, which includes successful identity verification. If you are unable to pass The Bancorp Bank's identity verification procedures, you will not be eligible to receive a Scanpay.io Mastercard. In addition, you may be subject to separate identity verification by us, and/or we may suspend or terminate your access to the Scanpay.io and/or Connected Ventures LLC services.
The Scanpay.io Mastercard is issued by The Bancorp Bank and your use of the card will be subject to The Bancorp Bank's Scanpay.io Mastercard Cardholder Agreement as well this agreement. Please see the Scanpay.io Mastercard Cardholder Agreement for full terms and conditions applicable to the Scanpay.io Mastercard. In the event of any inconsistency between this Agreement and the Scanpay.io Mastercard Cardholder Agreement, the Scanpay.io Mastercard Cardholder Agreement shall govern your use of the Scanpay.io Mastercard and your relationship with The Bancorp Bank to the extent of such conflict.
We may add, change, suspend or eliminate any or all Scanpay.io Mastercard related features and services at any time, with or without notice, subject to applicable law. We may terminate your access to any or all Scanpay.io services, including the Scanpay.io Mastercard, in the event you violate the Scanpay.io Mastercard Cardholder Agreement or any agreement in force between you and us. If your Scanpay.io account is closed for any reason, any Scanpay.io Mastercard affiliated with your account will be canceled.
When your available Scanpay.io balance can't cover the entire amount of a particular transaction, we will use your preferred payment method. The transaction type, among other factors, determines when and how we use your preferred payment method, as explained on Payment Methods.
You can set separate preferred payment methods for paying friends, purchases from authorized merchants, and Scanpay.io Mastercard reloads. You can manage payment methods, including selecting preferred payment methods, in the Payment Methods section of your Scanpay.io account settings.
When you use your bank account as a payment method, you are allowing us to initiate a transfer from your bank account. For these transactions, we will make electronic transfers from your bank account in the amount you authorize. You authorize us to try this transfer again if the initial transfer is rejected by your bank for any reason.
IF YOU HAVE NO SCANPAY.IO BALANCE OR IT DOESN'T COVER A VENMO PAYMENT, YOU SHOULD CONFIRM THAT YOUR BANK ACCOUNT CONTAINS FUNDS SUFFICIENT TO COVER THE PAYMENT BEFORE MAKING THE PAYMENT, IF FUNDED BY YOUR BANK ACCOUNT. THIS WILL HELP YOU AVOID OVERDRAFT OR OTHER FEES YOUR FINANCIAL INSTITUTION MAY CHARGE.
Scanpay.io will process your debit or prepaid card funded transactions through either the ATM debit network or the Visa, Mastercard or Discover network.
We put you in control so that you can decide who can see your Scanpay.io payments and purchases. Payments made by new Scanpay.io accounts may be set to public by default. You can change your privacy settings for individual payments or in the Privacy section of your Scanpay.io account settings. For more information, review Payment Activity & Privacy.
IMPORTANT: ONLY QUALIFYING AUTHORIZED MERCHANT AND SCANPAY.IO MASTERCARD PURCHASES WILL BE ELIGIBLE FOR THE PROTECTED PURCHASE PROGRAM. THIS PROTECTION DOES NOT APPLY TO ANY OTHER TRANSACTION CONDUCTED USING VENMO. FOR EXAMPLE, THE PROTECTED PURCHASE PROGRAM WOULD NOT APPLY TO ANY PAYMENT YOU MAKE (OR CHARGE YOU ACCEPT) USING THE SCANPAY.IO APP, REGARDLESS OF THE NATURE OF THE PAYMENT (OR CHARGE) OR THE RECIPIENT (OR REQUESTOR). PAYPAL PURCHASE PROTECTION DOES NOT APPLY TO AUTHORIZED MERCHANT OR SCANPAY.IO MASTERCARD PURCHASES.
When you buy something from an authorized merchant or with your Scanpay.io Mastercard, you may be eligible for a refund under the Scanpay.io Protected Purchase program. When applicable, the Scanpay.io Protected Purchase program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. We determine, in our sole discretion, whether your claim qualifies for the Scanpay.io Protected Purchase program. Our original determination is considered final, but you may be able to file an appeal of the decision with us if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.
You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. The Scanpay.io Protected Purchase program does not entitle you to reimbursement for the return shipping costs that you may incur.
The Scanpay.io Protected Purchase program may apply when you encounter these specific problems with an eligible authorized merchant or Scanpay.io Mastercard transaction:
If you believe that a transaction made through your Scanpay.io account was not authorized by you, this type of claim is different from the Scanpay.io Protected Purchase program, and is described below under Protection from Unauthorized Transactions.
Your claim will not qualify for a refund under the Scanpay.io Protected Purchase program for an Item Not Received claim if:
If the seller presents evidence that they delivered the goods to your address, Scanpay.io may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods.
An item may be considered Significantly Not as Described if:
An item may not be considered Significantly Not as Described if:
To be eligible for the Scanpay.io Protected Purchase program you must meet all of the following requirements:
Payments for the following are not eligible for reimbursement under the Scanpay.io Protected Purchase program:
If you're unable to resolve a transaction related issue directly with a seller, you can file a Protected Purchase claim using the steps described below. If you do not follow these steps your claim may be denied:
Step 1: Open a dispute within 180 days of the date you made the purchase by calling an agent at (855) 812-4430. Please include information on the disputed transaction and the reason for your claim, including the date and amount of the transaction, the seller's name, and an explanation of your issue.
Step 2: Respond to our requests for documentation or other information. We may require you to provide receipts, third party evaluations, police reports or other documents that we specify. You must respond to these requests in a timely manner as requested in our correspondence with you.
Step 3: Comply with our shipping requests in a timely manner, if you're filing a Significantly Not as Described claim, we may require you, at your expense, to ship the item back to the seller, to us or to a third party (which we will specify) and to provide proof of delivery.
Proof of delivery means:
Step 4: We will make a decision (including automatically closing any dispute or claim), in our sole discretion, based on the coverage and eligibility requirements set forth above, any additional information provided during the dispute resolution process or any other information we deem relevant and appropriate under the circumstances.
If you used a debit or credit card as the payment method for a transaction with an authorized merchant through your Scanpay.io account and you are dissatisfied with the transaction, you may be entitled to dispute the transaction with your card issuer. Applicable card chargeback rights may be broader than those available to you under the Scanpay.io Protected Purchase program. For example, if you dispute a transaction with your card issuer, you may be able to recover amounts you paid for unsatisfactory items even if they don't qualify for protection under a Significantly Not as Described claim with us.
You must choose whether to pursue a dispute with us under the Scanpay.io Protected Purchase program, or to pursue the dispute with your card issuer. You can't do both at the same time or seek a double recovery. If you pursue a dispute/claim with us under the Scanpay.io Protected Purchase program and you also pursue a dispute for the same transaction with your card issuer, we'll close your dispute/claim with us. This won't affect the dispute process with your card issuer. In addition, if you pursue a dispute with your card issuer, you cannot pursue a dispute/claim under the Scanpay.io Protected Purchase program with us later.
If you choose to dispute a transaction with us under the Scanpay.io Protected Purchase program and we decide against you, you can seek to pursue the dispute with your card issuer later. If we do not make a final decision on your claim until after your card issuer's deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from the card issuer, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the seller or your card issuer).
Before contacting your card issuer or filing a dispute with us under the Scanpay.io Protected Purchase program, you should contact the seller to attempt to resolve your issue in accordance with the seller's return policy.
Payments may be invalidated and reversed by us if, among other reasons, Connected Ventures LLC sent the payment to you in error, the funding transaction is declined or reversed, the payment was unauthorized or unfunded, or if the payment was for activities that violated this user agreement or any other agreement with us.
As the sender or recipient of a payment that is later invalidated for any reason, you may be liable to us for the full amount of the payment and we may recover the amount of the payment (plus any fees) from you. We may recover the amount of the payment from either the sender or the recipient of an invalidated payment in our discretion (subject to applicable law). For example, if you send a payment funded by a bank account and the bank informs us it cannot cover the payment due to a lack of funds or a dispute, we may hold you liable for the payment, or if you were the recipient of that payment, we may reverse that payment from your account to cover the liability.
When recovering the amount of an invalidated payment from you, we may apply any money sent to you on Scanpay.io, request that you add money to your account for the amount of the payment and apply that money to amounts owed, and/or we may:
If we invalidate a payment because the card issuer or originating bank declined or reversed the transaction, then you may be liable for the payment even if you disagree with the decision of the card issuer or originating bank to decline or reverse the payment. If you believe that a payment initiated with your Scanpay.io account was not authorized, then you must notify us immediately, even if you (or someone else) disputes the transaction with the card issuer or originating bank. Please see below under the heading Reporting an Unauthorized Transaction for information about how to notify us. If you fail to report the unauthorized activity directly to us, then we may recover the amount of the reversed payment from you, as described above.
In connection with your use of our websites, your Scanpay.io account, the Scanpay.io services, or in the course of your interactions with us, other customers, or third parties, you must not:
If we believe that you've engaged in any of these activities, we may take a number of actions to protect ourselves, our customers and others at any time in our sole discretion. The actions we make take include, but are not limited to, the following:
If we close your Scanpay.io account or terminate your use of the Scanpay.io services for any reason, we'll provide you with notice of our actions and make any unrestricted money held in your Scanpay.io account or that has been sent to you available for bank transfers.
You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by us, any customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the Scanpay.io services. For example, if you send a payment funded by your bank account and your bank informs us you do not have sufficient funds to cover the payment, you may be liable for the payment. Similarly, if you receive a payment and the payment is disputed, you may be liable for the payment.
Under certain circumstances, in order to protect Scanpay.io and the security and integrity of the network that uses the Scanpay.io services, Scanpay.io may, in its sole discretion, take account-level or transaction-level actions.
Our decision about holds and limitations may be based on confidential criteria that are essential to our management of risk and the protection of Scanpay.io, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your Scanpay.io account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you.
A hold is an action that Scanpay.io may take under certain circumstances either at the transaction level or the account level. When Scanpay.io places a temporary hold on a transaction, the money is not available to either the sender or the recipient. Scanpay.io reviews many factors before placing a hold on a transaction, including: account tenure, transaction activity, and past disputes.
We may place a hold on transactions involving your Scanpay.io account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your Scanpay.io account, or your transactions or that placing such a hold is necessary to comply with state or federal regulatory requirements. We make decisions about whether to place a hold based on a number of factors, including information available to us from both internal sources and third parties.
Risk-based holds may remain in place for up to 180 days from the date the transaction was made. We may release the hold earlier under certain circumstances, but any earlier release is at our sole discretion.
Limitations are implemented to help protect Scanpay.io and Scanpay.io users when we notice restricted activities or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your Scanpay.io account open.
There are several reasons why your Scanpay.io account could be limited, including:
You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect us, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.
If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your Scanpay.io account, placing a hold or limitation on your Scanpay.io account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. We do not have an obligation to contest or appeal any court order or legal process involving you or your Scanpay.io account. When we implement a hold or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold or limitation may remain in place longer than 180 days.
An "error" means the following:
The following are NOT considered errors:
Telephone us at 855-812-4430, contact us through the Help Center on the Scanpay.io website; or write us at Connected Ventures LLC, Inc., Attn: Scanpay.io Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.
Notify us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Filing a chargeback or reversal with your financial institution related to a Scanpay.io payment does not constitute notice of an error to us. You must contact us directly to notify us of errors. When you notify us:
If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.
We will determine whether an error occurred within 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 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Scanpay.io account within 10 Business Days for the amount you think is in error and will notify you within 2 Business Days of the credit, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your Scanpay.io account.
For errors involving new Scanpay.io accounts or point-of-sale transactions, we may take up to 90 days to investigate your complaint or question. For new Scanpay.io accounts, we may take up to 20 Business Days to credit your Scanpay.io account for the amount you think is in error.
We will tell you the results within 3 Business Days after completing our investigation.
We will rectify any processing error that we discover. If the error results in:
Processing errors are not:
If you provide us your mobile phone number, you agree that we, including our affiliates, may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your Scanpay.io branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt. We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent.
We may communicate with you about your Scanpay.io account and the Scanpay.io services electronically as described in our Consent to Receive Electronic Disclosures. You will be considered to have received a communication from us, if it's delivered electronically, 24 hours after the time we post it to our website or email it to you. You will be considered to have received a communication from us, if it's delivered by mail, 3 Business Days after we send it.
Unless you're communicating with us about a matter where we've specified another notice address (for example, our Protection from Unauthorized Transactions process), written notices must be sent by postal mail to: Connected Ventures LLC, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131.
You understand and agree that, to the extent permitted by law, we may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with us or our agents for quality control and training purposes or for our own protection. You acknowledge and understand that while your communications with us may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by us, and we do not guarantee that recordings of any particular telephone calls will be retained or retrievable.
We, in our sole discretion, reserve the right to suspend or terminate this user agreement, access to or use of our websites, software, systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf or some or all of the Scanpay.io services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted money being held for you.
As security for the performance of your obligations under this user agreement, you grant to us a lien on, and security interest in and to, your Scanpay.io balance and any other funds held in our possession.
We may deduct amounts owed to us, in whole or in part, from money that is sent to your Scanpay.io account later, either by you or from payments sent to you. While you owe amounts to us, we may:
If you have more than one Scanpay.io account, even if you have those accounts without our authorization and in breach of this agreement, we may set off amounts owed to us in one Scanpay.io account against a Scanpay.io balance in or money sent to your other Scanpay.io account(s). If you continue using your Scanpay.io account when you have amounts owed to us, you authorize us to combine amounts owed to us with any debit or transaction sent from your account.
In addition to the above, if you have a past due amount owed to us, including our affiliates, we may debit your Scanpay.io account or accounts held at our affiliates or various products to pay any amounts that are past due. This includes accounts and amounts owed by using our various products such as Connected Ventures LLC, Xoom or Braintree.
IF YOU HAVE AMOUNTS PAST DUE, YOU SHOULD CONFIRM THAT YOUR PAYMENT METHODS CONTAIN FUNDS SUFFICIENT TO COVER ANY AMOUNTS PAST DUE. THIS WILL HELP YOU AVOID OVERDRAFT OR OTHER FEES YOUR FINANCIAL INSTITUTION MAY CHARGE.
If any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, we'll be entitled to recover all reasonable costs or expenses (including reasonable legal fees and expenses) incurred in connection with the enforcement of this agreement.
If we invalidate and reverse a payment that you made to a recipient (either at your initiative or otherwise), you agree that we assume your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in our discretion.
Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches.
In this section, we use the term "Connected Ventures LLC" to refer to Connected Ventures LLC, Inc., our parent Connected Ventures LLC Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers and suppliers. Our affiliates include each entity that we control, we are controlled by or we are under common control with.
You must indemnify Connected Ventures LLC for actions related to your Scanpay.io account and your use of the Scanpay.io services. You agree to defend, indemnify and hold Connected Ventures LLC harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the Scanpay.io services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your Scanpay.io account or access our websites, software, systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf, or any of the Scanpay.io services on your behalf.
Connected Ventures LLC's liability is limited with respect to your Scanpay.io account and your use of the Scanpay.io services. In no event shall Connected Ventures LLC be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with our websites, software, systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf, any of the Scanpay.io services, or this user agreement (however arising, including negligence), unless and to the extent prohibited by law.
Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. In addition, to the extent permitted by applicable law, Connected Ventures LLC is not liable, and you agree not to hold Connected Ventures LLC responsible, for any damages or losses (including, but not limited to, loss of money, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages) resulting directly or indirectly from: (1) your use of, or your inability to use, our websites, software, systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf, or any of the Scanpay.io services; (2) delays or disruptions in our websites, software, systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf and any of the Scanpay.io services; (3) viruses or other malicious software obtained by accessing our websites, software, systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf or any of the Scanpay.io services or any website or service linked to our websites, software or any of the Scanpay.io services; (4) glitches, bugs, errors, or inaccuracies of any kind in our websites, software, systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf or any of the Scanpay.io services or in the information and graphics obtained from them; (5) the content, actions, or inactions of third parties; (6) a suspension or other action taken with respect to your Scanpay.io account; or (7) your need to modify your practices, content, or behavior, or your loss of or inability to do business, as a result of changes to this user agreement or our policies.
The Scanpay.io services are provided "as-is" and without any representation or warranty, whether express, implied or statutory. We specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.
We do not have any control over the products or services provided by sellers who accept Scanpay.io as a payment method, and we cannot ensure that a Scanpay.io user or a seller you are dealing with will actually complete the transaction or is authorized to do so. We do not guarantee continuous, uninterrupted or secure access to any part of the Scanpay.io services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the Scanpay.io services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. We will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing because the Scanpay.io services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you.
If you have a dispute with any other Scanpay.io account holder, you release us from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections (whether statutory or otherwise, for example, California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.
If a dispute arises between you and Connected Ventures LLC regarding the Scanpay.io services or otherwise, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and Connected Ventures LLC regarding the Scanpay.io services may be reported to customer service online through the Scanpay.io Help Center at any time, or by calling 855-812-4430 from Mon-Fri 10:00 AM to 6:00 PM EST.
ANY CLAIMS ARISING OUT OF, RELATING TO, OR CONNECTED WITH THIS USER AGREEMENT MUST BE ASSERTED INDIVIDUALLY IN BINDING ARBITRATION CONDUCTED BY A SINGLE ARBITRATOR WITH EXPERIENCE IN CONSUMER ONLINE PAYMENT SERVICES DISPUTES ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES AND THE AAA SUPPLEMENTARY PROCEDURES FOR CONSUMER-RELATED DISPUTES. The forum for arbitration shall be in the city closest to your residence having a federal district courthouse. The arbitrator shall not conduct any form of class or collective arbitration nor join or consolidate claims by or for individuals. To the extent allowed by applicable law, the Arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability or formation of this user agreement including, but not limited to, any claim that all or any part of this user agreement is void or voidable. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. For any non-frivolous claim, Connected Ventures LLC will pay the costs of the arbitration (but not your attorney fees), up to $3,000.
This user agreement and each of its parts evidence a transaction involving interstate commerce, and the United States Arbitration Act shall apply in all cases and govern the interpretation and enforcement of the arbitration rules and arbitration proceedings. There are only two exceptions to this agreement to arbitrate. First, if we reasonably believe that you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in any court of competent jurisdiction. Second, any claim of $500 or less may, at the option of the claiming party, be resolved in small claims court in New York City, New York, if the claim and the parties are within the jurisdiction of the small claims court. For these two exceptions, you agree to submit to the personal jurisdiction of the courts located within New York City, New York for the purpose of litigating such claims or disputes.
TO THE EXTENT ALLOWED BY LAW, YOU AGREE TO IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO A TRIAL BY JURY OR OTHER COURT TRIAL (OTHER THAN SMALL CLAIMS COURT) OR TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT, ARBITRATION OR OTHER PROCEEDING FILED AGAINST US AND/OR RELATED THIRD PARTIES.
"Scanpay.io.com," "Scanpay.io," and all logos related to the Scanpay.io services are either trademarks or registered trademarks of Connected Ventures LLC or Connected Ventures LLC's licensors. You may not copy, imitate, modify or use them without our prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Connected Ventures LLC. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by us for the purpose of directing web traffic to the Scanpay.io services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes Scanpay.io or the Scanpay.io services or display them in any manner that implies Scanpay.io's or Connected Ventures LLC's sponsorship or endorsement. All right, title and interest in and to the Scanpay.io websites, any content thereon, the Scanpay.io services, the technology related to the Scanpay.io services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of Connected Ventures LLC and its licensors.
If you are using our software such as an API, developer's toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then Connected Ventures LLC grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use our software in accordance with the documentation accompanying such software. This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation accompanying the Scanpay.io services. If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, us and third parties. We may update or discontinue any software upon notice to you. While we may have (1) integrated certain third party materials and technology into any web or other application, including its software, and/or (2) accessed and used certain third party materials and technology to facilitate providing you with the Scanpay.io services, you have not been granted and do not otherwise retain any rights in or to any such third party materials. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third party materials or technology, or otherwise create any derivative works from any of the software or third party materials or technology. You acknowledge that all rights, title and interest to our software are owned by Connected Ventures LLC and any third party materials integrated therein are owned by our third party service providers. Any other third party software application you use on the Scanpay.io websites is subject to the license you agreed to with the third party that provides you with this software. You acknowledge that Connected Ventures LLC does not own, control nor have any responsibility or liability for any such third party software application you elect to use on any of our websites, software and/or in connection with the Scanpay.io services.
We do not claim ownership of the content that you provide, upload, submit or send to us. When you provide content to us or post content using Scanpay.io services, you grant us (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. We will not compensate you for any of your content. You acknowledge that our use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against us.
You may not transfer or assign any rights or obligations you have under this user agreement without our prior written consent. We may transfer or assign this user agreement or any right or obligation under this user agreement at any time.
"Business Day(s)" means Monday through Friday, excluding holidays when Scanpay.io's offices are not considered open for business in the U.S. Holidays include New Year's Day (January 1), Martin Luther King, Jr.'s Birthday (the third Monday in January), George Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, we observe the holiday on the prior Friday. If the holiday falls on a Sunday, we observe the holiday on the following Monday.
We're always looking for ways to help keep you even more secure. So stay on the lookout for some of these common scams:
Always use common sense when sending money. If something sounds too good to be true, it probably is. Only send money for yourself and not for others. Remember that if you don't make a purchase from an authorized merchant or with your Scanpay.io Mastercard, you're not covered by Scanpay.io Protected Purchase Program. Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us.
If you do not log in to your Scanpay.io account for two or more years, we may close your Scanpay.io account and send any of your funds held in our possession to your primary address (if we have verified the required identifying information that you have provided to us) or, if required, escheat (send) any of your funds held in our possession to your state of residency. We will determine your state of residency based on the information provided for your Scanpay.io account. If your address is unknown, any of your funds held in our possession will be escheated to the State of Delaware. Where required, we will send you a notice prior to escheating any of your funds. If you fail to respond to this notice, your funds held in our possession will be escheated to the applicable state. If you would like to claim any escheated funds from the applicable state, please contact the applicable state's unclaimed property administrator.
You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this user agreement, the laws of the State of New York, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and Connected Ventures LLC regarding your use of the Scanpay.io services.
You authorize us, directly or through third parties, to make any inquiries we consider necessary to verify your identity. This may include:
Anti-money laundering and counter-terrorism financing laws may require that we verify the required identifying information if you use certain Scanpay.io services. We reserve the right to close, suspend, or limit access to your Scanpay.io account and/or the Scanpay.io services in the event that, after reasonable enquiries, we are unable to obtain information about you required to verify your identity.
Connected Ventures LLC, Inc. is a licensed provider of money transfer services and all money transmission is provided by Connected Ventures LLC, Inc., pursuant to Connected Ventures LLC, Inc.'s licenses. See our licenses for additional information and for disclosures that Company is required to post by certain jurisdictions.
We act as a payment service provider only. We do not:
In addition to reporting complaints about the Scanpay.io services directly to us as described above, if you are a California resident, you may report complaints to the 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 its 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 at 866-275-2677. If you are a California resident, you have a right to receive communications about your Scanpay.io account and the Scanpay.io services by email. To make such a request, send a letter to Scanpay.io to: Connected Ventures LLC, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131), include your email address, and your request for that information by email.
Florida residents may contact the Florida Department of Financial Services in writing at 200 East Gaines Street, Tallahassee, Florida, 32399, or by telephone at 1-800-342-2762.
The Scanpay.io app works on an application linked to a particular device and operating system, such as Apple's iOS operating system. Your use of the Scanpay.io services may be subject to separate agreements you may enter into with your mobile device operating system provider (e.g., Apple, Google or Microsoft), your mobile device manufacturer (e.g., Apple, Samsung), your mobile service carrier (e.g., AT&T or Verizon), and other parties involved in providing your mobile device service, which we collectively refer to as "Covered Third Parties." You agree to comply with all applicable third-party terms of agreement when using the Scanpay.io Services. We are not a party to those agreements and we have no responsibility for the products and services provided by third parties. You acknowledge and agree that this agreement is between you and Connected Ventures LLC, not with any Covered Third Party. You acknowledge and agree that we are solely responsible for the Scanpay.io services and for providing maintenance and support services for the Scanpay.io services.
Covered Third Parties have no warranty obligations whatsoever with respect to the Scanpay.io Services and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure of the Scanpay.io services to conform to any warranty provided by us, if any, will be our sole responsibility.
We, not any Covered Third Parties, are responsible for addressing any claims relating to the Scanpay.io services, including, but not limited to: (i) product liability claims; (ii) any claim that the Scanpay.io Services fail to conform to any applicable legal or regulatory requirement; (iii) claims arising under consumer protection, privacy, or similar legislation; and (iv) intellectual property claims.
If you are using the Scanpay.io Services on an Apple device, you acknowledge and agree that Apple, and Apple's subsidiaries, are third party beneficiaries of this Agreement, and that Apple will have the right (and will be deemed to have accepted the right) to enforce this agreement against you as a third party beneficiary. Such rights may also accrue to other handset manufacturers and operating systems which participate in the Scanpay.io services.
Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through your Scanpay.io account or your relationship with Connected Ventures LLC. Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling.
If you receive information about another Scanpay.io customer, you must keep the information confidential and only use it in connection with the Scanpay.io services. You may not disclose or distribute any information about Scanpay.io users to a third party or use the information for marketing purposes unless you receive that user's express consent to do so. You may not send unsolicited emails to a Scanpay.io customer or use the Scanpay.io services to collect payments for sending, or assist in sending, unsolicited emails to third parties.
The privacy and data protection laws that may apply include any associated regulations, regulatory requirements and codes of practice applicable to the provision of the services described in this agreement.
In complying with such laws, you will: