Pool Visa Debit Card® - Cardholder Agreement

Terms and Conditions/Definitions for the Pool Visa Debit Card

This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Pool Visa Debit Card (the “Card”) has been issued to you by First Internet Bank of Indiana, Member FDIC (“Partner Bank” or “Issuer”) and Pool United, Inc. (“Pool” or “Company”), the financial technology company responsible for managing the Card program (the “Program”). Pool is a financial technology company and not a bank. All Card and related banking services are provided by the Partner Bank. Pool is the financial technology company responsible for managing the Program. In that capacity, Pool is a third-party service provider to us, and may act on our behalf in, without limitation, receiving payments, performing our obligations or enforcing our rights under this Agreement.

This Agreement supplements, but does not replace, the Pool Account Agreement and other agreements between you and Pool and Partner Bank. “Pool Account” means your interest in a shared, multi-party bank deposit account opened at Partner Bank. You acknowledge and agree that the value available to spend via the Card is limited to the funds that are available in your Pool Account. Use of your Pool Account remains subject to the Pool Account Agreement as updated from time to time (available at https://poolmoney.com/legal/tos) (the “Pool Account Agreement”) and the Pool privacy policy as updated from time to time (available at https://poolmoney.com/legal/privacy-policy) (the “Pool Privacy Policy”), and any other agreements between you and Pool and/or Partner Bank that apply to your use of the Pool Account. This Agreement is provided to you in electronic format pursuant to the Consent to Receive Electronic Disclosures (https://poolmoney.com/legal/electronic-disclosures) that you accepted and agreed to when you opened your Pool Account. By accepting and using the Card, you agree to be bound by the terms and conditions in this Agreement. “You” and “your” means the person or persons who receive the Card and are authorized to use it as provided in this Agreement. “We,” “us,” and “our” mean the Issuer, Pool and our respective successors, affiliates, assignees and third-party service providers.

The expiration date of the Card is identified on the back of the Card. The funds in the Pool Account will not expire, regardless of the expiration date on the back of the Card. You agree to sign the back of the Card immediately upon receipt. The Card is the property of the Issuer and must be surrendered upon demand. The Card is a debit card that is funded by your Pool Account. The Card is not a credit card and is not for resale. You will not receive any interest on your funds in the Pool Account. The Card is non-transferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. You agree that the Card will be used primarily for personal, family and household purposes only and not for business use. The Card and your Pool Account may be closed if it is determined the Card is being used for business purposes. We may refuse to process any transaction that is believed may violate the terms of this Agreement, the Pool Account Agreement, or other agreements between you and us.

Any references to “days” found in this Agreement are calendar days unless indicated otherwise.

Write down the Card number and the Customer Service phone number provided in this Agreement on a separate piece of paper in case the Card is lost, stolen, or destroyed. Please read this Agreement carefully and keep it for future reference.

Accessibility

We are committed to making our documents and services accessible to all users, including individuals with disabilities. This Cardholder Agreement is available in alternative formats upon request, including large print and audio.

We strive to meet the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA and to continuously improve the accessibility of our website and mobile app. If you need assistance or an alternative format, please contact us at hello@poolmoney.com.

THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT. See Section 21 (Arbitration) below.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ASSOCIATED WITH A POOL ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who receives a Card. What this means for you: When you request or receive a Card, we may ask for your name, address, date of birth, Social Security number, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

The preceding information and documentation and results of any verification procedures will be shared by Issuer with Pool, and may also be used per their respective privacy policies (the Pool Privacy Policy and the Issuer’s privacy policy, available at https://poolmoney.com/legal/privacy-policy shall be referred to collectively as the “Program Privacy Policies”). By agreeing to this Agreement, you will be acknowledging and agreeing to the Program Privacy Policies.

If you falsify, misrepresent, or fail to provide requested information, we may refuse to approve your request for the Card, cancel any of your previously issued Card(s), and/or restrict and/or close your Pool Account.

IMPORTANT INFORMATION ABOUT MAKING TRANSACTIONS WITH YOUR POOL ACCOUNT. Your transactions made using Pool Account and the Card are subject to review and can be delayed or frozen if we identify an issue, which may impact your Pool Account balance. We reserve the right to restrict or delay your access to funds which are suspected of being tied to illicit or illegal activity. In addition, such funds may potentially be subject to investigation by one or more federal law enforcement agencies.

Card. The Card gives you the ability to access funds held in your Pool Account.
Activation. You must activate the Card and complete the activation process, including setting a Personal Identification Number (“PIN”), before it may be used. Refer to Section 6 (Personal Identification Number) for more details on setting a PIN. You can activate the Card through the Pool app or by calling the telephone number listed below in Section 19 (Customer Service). For your security, you will need to provide personal information in order for your identity to be verified and for completion of the activation process.
Your representations and warranties. By activating the Card or by retaining, using or authorizing the use of it, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a jurisdiction where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

Using the Card.

Cash Access. With your PIN, the Card may be used to obtain cash at Automated Teller Machines (“ATM”) in the U.S. and internationally, subject to your applicable daily cash withdrawal limit. Fees may apply; see Section 5 (Pool Visa Debit Fees) for details. If given the option, select “Checking Account” when using an ATM. ATMs at which the Card may be utilized are not available in all areas and the Card will not be functional at all ATMs. ATM owner-operators may impose their own fees and limits on cash withdrawals. All ATM transactions are treated as cash withdrawal transactions and subject to your daily cash withdrawal limit. You may use your PIN at Point of Sale (“POS”) devices, as permissible by a merchant and their applicable POS networks, and subject to your daily purchase limit. POS devices at which the Card may be used are not available in all areas and not all POS devices will be functional with the Card. Each time you use the Card, you authorize the Issuer to reduce the value available in your Pool Account balance by the amount of the transaction and any applicable fees.

Card Limits. We may, at our discretion, place limits on the number or total dollar value of purchases, and/or cash withdrawals that you may make with the Card. You will be notified of any change in the manner provided by applicable law prior to the effective date. Card limits are subject to periodic review and may be changed based on your Pool Account history, activity, and other factors, including but not limited to your Card activity.

Description	Limit
Maximum ATM Withdrawal	The higher of: (1) the minimum permitted by Applicable Law, or (2): $500 per day, $500 per transaction. Withdrawals are further subject to the available balance in the Pool Account and the limits set by any terminal operator.
Maximum Card POS Transaction	The higher of: (1) the minimum permitted by Applicable Law, or (2): $5,000 per day. Transactions are further subject to the available balance in the Pool Account and the limits set by any terminal operator. Bank may, in consultation with Company, establish a list of prohibited codes, industry or merchant types, pursuant to which the Card will be declined at any such merchant.
Maximum Card POS Cash Back Transaction	The higher of: (1) the minimum permitted by Applicable Law; or (2): $100 per day. Transactions are further subject to the available balance in the Pool Account and the limits set by any terminal operator. Bank may, in consultation with Company, establish a list of prohibited codes, industry or merchant types, pursuant to which the Card will be declined at any such merchant.
Maximum ACH Withdrawal Limit	The higher of (1) $5,000 per day or (2) the minimum permitted by Applicable Law.

Split Tender Transactions. Some merchants do not allow split transactions, i.e., where you use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge to the Card the amount you wish to use from your Pool Account balance, subject to the amount of funds available in your Pool Account balance and applicable limits. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to using the Card, the Card may be declined.
Authorization Holds. When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a “hold” is placed on your Pool Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, or for up to thirty (30) days, even if you fail to make the purchase. During the hold period, you may not have access to the preauthorized amount in your Pool Account. Neither Pool nor Issuer will be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Pool Account, even if this results in your Pool Account balance becoming negative. You remain responsible for any negative balances in your Pool Account.
1. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Pool Account, you should use the Card to pay for the purchase inside with the cashier.
2. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurred.
You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card.
Card Not Present Transactions. If you use the 16-digit Card number without presenting the Card in person (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, the amount or number of such transactions you may make may be limited. You may not use the Card for illegal gambling or any other illegal transaction.
Foreign Transactions. The Card may be used to conduct transactions within the United States or to conduct international transactions, including, without limitation, transactions conducted on international merchant websites or mobile applications accessible within the United States.
Sanctions Compliance
Use of the Card is subject to applicable U.S. laws and regulations, including those administered by the Office of Foreign Assets Control (OFAC). You agree not to use the Card in any manner that would violate U.S. sanctions laws, including for transactions involving persons or entities listed on the OFAC Specially Designated Nationals (SDN) list, or in prohibited jurisdictions such as Iran, North Korea, Syria, or others identified by OFAC. The Card and related services may be declined, blocked, or frozen if we determine that activity may violate such laws.
Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Card in a currency other than US Dollars, Visa Debit, will convert the charge into a US Dollar amount. The Visa Debit currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Visa Debit. The exchange rate Visa Debit uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

Visa Debit charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Visa Debit charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Visa Debit Switch in which the country of the merchant is different than the country of the cardholder.
Pool Account Balance/Periodic Statements Alternative. You are responsible for keeping track of your available Pool Account balance. Merchants generally will not be able to determine your available balance. It is important to know your available Pool Account balance before making any transaction. You may obtain information about the amount of funds available in your Pool Account by using the Pool app or visiting the Pool website. This information, along with a 12-month history of Card transactions, is available by logging into your Pool Account on www.Poolmoney.com. You also have a right to obtain a 24-month written history of Card transactions by sending an email to hello@poolmoney.com. You will not automatically receive paper statements. You may request a free paper copy of this Agreement or any transaction history by contacting us at hello@poolmoney.com. As required by Regulation E, you are entitled to receive such information in writing at no cost.

Pool Visa Debit Fees. Issuer does not charge ATM usage fees on the Pool Visa Debit. Any attempted ATM or over the counter withdrawal or cash back withdrawal, including any fees charged by an individual ATM operator, that exceeds your available Pool Account balance will be declined. If you use an ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM owner even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be deducted from your Pool Account balance.
Personal Identification Number. The PIN is a security code, which is designed to protect the Card against unauthorized use. You choose the PIN when you activate the Card. The PIN provides enhanced security for the Card and may be used when making transactions with the Card. It is your electronic signature. Since the PIN is for security purposes, you should memorize it and it should not be disclosed to anyone. You should not write or keep the PIN with the Card. When entering the PIN, be sure it cannot be observed by others and do not enter the PIN into any terminal that appears to be modified or suspicious. You can change the PIN at any time through the settings on the Pool app. A temporary hold can be placed on the Card if the PIN has been compromised or if the Card is lost or stolen. Maintaining the security of the PIN and Card is your responsibility. If you believe anyone has gained unauthorized access to the PIN, change your PIN using the Pool app and contact Customer Service immediately using the contact information found below in Section 19 (Customer Service).
Authorized Users. You are responsible for all authorized transactions initiated and fees incurred by use of the Card. If you permit another person to have access to the Card or Card number, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.
Secondary Cardholder. You may not request an additional Card for another person.
Returns and Refunds. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to your Pool Account for refunds and agree to the refund policy of the merchant. Neither the Issuer nor Pool is responsible for the delivery, quality, safety, legality or any other aspects of the goods or services you purchase from others with the Card. If you have a problem with a purchase you made with the Card, or if you have a dispute with the merchant, you must handle it directly with the merchant.
Card Replacement. If you need to replace the Card for any reason, contact us as stated in Section 19 (Customer Service) below to request a replacement (Pool typically responds to emails within 24 hours). You will be required to provide personal information which may include the 16-digit Card number, your full name and knowledge of the Card transaction history. If you believe the Card has been lost or stolen, you may immediately disable it by contacting us as stated in Section 19 (Customer Service) below. See Section 14 (Your Liability for Unauthorized Transfers) for more details. We may cancel any Card that has been disabled for sixty (60) calendar days or longer. Pool Visa Debit Cards are subject to the Electronic Fund Transfer Act (EFTA) and its implementing regulation, Regulation E (12 CFR 1005). These laws provide you with important rights regarding error resolution, liability for unauthorized transfers, and access to transaction information.
Confidentiality. You acknowledge and agree that Issuer and Pool may, subject to applicable law, share information regarding you, your Card, your Pool Account, your Card request and Card transaction activity as necessary to provide customer service, service the Card or your Pool Account, investigate and act on the Card or your Pool Account and/or your Card- or Pool Account-related claims and as necessary to comply with applicable law. Information about the Card, your Pool Account, or the transactions you make with any of them may be disclosed to third parties:
1. Where it is necessary for completing transactions;
2. In order to verify the existence and condition of the Card for a third party, such as a merchant;
3. In order to comply with government agency, court order, or other legal, regulatory or administrative reporting requirements;
4. If you consent by giving us your written permission;
5. To our employees, auditors, affiliates, service providers, or attorneys as needed; or
6. Otherwise as necessary to fulfill our obligations under this Agreement.
Information Security
We comply with the FTC’s Safeguards Rule (16 CFR Part 314), which requires financial institutions to develop and maintain a written information security program. This includes administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. We are committed to ensuring the confidentiality and integrity of your data.
Our Liability for Failure to Complete Transactions. If we do not properly complete a transaction from the Card on time or in the correct amount according to this Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
1. If you do not have enough funds available in your Pool Account to complete the transaction;
2. If a merchant refuses to accept the Card;
3. If an ATM where you are making a cash withdrawal does not have enough cash;
4. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
5. If access to the Card has been blocked after you reported the Card lost or stolen;
6. If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
7. If we have reason to believe the requested transaction is unauthorized;
8. If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
9. Any other exception stated in our agreements with you.
Your Liability for Unauthorized Transfers.
1. Telephoning is the best way to minimize your possible losses. If you believe the Card has been lost or stolen, or that someone has transferred money or may transfer money from your Pool Account using the Card without your permission, contact us as stated in Section 19 (Customer Service) below. We may suspend or cancel your Card and/or corresponding Pool Account in the event of excessive reports of Card loss or theft. Under Visa Debit Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Visa Debit payment cards that are used for commercial purposes. In the event that Visa Debit Zero Liability does not apply, if you notify us within two (2) business days after you learn of the loss or theft of your card, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.
2. Also, if you become aware of and/or your statement shows transactions you did not make, notify us at once following the procedures stated in Section 17 (Information About Your Right to Dispute Errors). If you do not notify us within sixty (60) days after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If the Card has been lost or stolen, the Card will be blocked to keep losses down and a replacement card will be sent to you.
3. This Agreement is subject to the federal Electronic Fund Transfer Act (EFTA) and its implementing regulation, Regulation E (12 CFR 1005). These laws provide important protections for consumers who use debit cards, including the right to dispute unauthorized transactions, limited liability if your card is lost or stolen, and timelines for error resolution.
Other Miscellaneous Terms. The Card and your obligations under this Agreement may not be assigned. The Issuer may transfer its rights under this Agreement. Use of the Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Indiana except to the extent governed by federal law.
Amendment and Cancellation. The terms and conditions of this Agreement may be revised by posting a revised version on the Pool website at Poolmoney.com. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend the Card or this Agreement at any time. You may cancel this Agreement by returning the Card to the Issuer. Your termination of this Agreement will not affect any of the Issuer’s or Pool’s rights or your obligations arising under this Agreement prior to termination. In the event your Card is cancelled, closed or terminated for any reason, any remaining available funds associated with the Card would revert to your Pool Account balance.
Information About Your Right to Dispute Errors.
1. Protection for Unauthorized Transactions and Other Errors. Protection for Unauthorized Transactions and Other Errors. When an unauthorized transaction or other error occurs in the Pool Account, including unauthorized transactions that occur because the Card has been lost or stolen, we will cover you for the full amount of every eligible unauthorized transaction or other error as long as you follow the procedures discussed in Section 17.B (Notification Requirements) or the Pool Account Agreement, as appropriate (the “Protection Policy”). An “Unauthorized Transaction” is an error that occurs when funds are sent from your Pool Account without your authorization and/or you did not benefit from the transaction. For example, if someone steals the Card and PIN, and makes a withdrawal with the Card, an Unauthorized Transaction has occurred. If you give the Card to a person with permission to use it, you are responsible for all transactions conducted by the person even if they make more transactions than you authorized, unless you notified us that transactions by that person are no longer authorized.
  
  “Other Errors” occur when funds are either incorrectly debited from the Pool Account or incorrectly credited to the Pool Account, or when transactions are incorrectly posted to the Pool Account. Other Errors covered by us are limited to the following: if you make a payment and it is incorrectly debited from the Pool Account; if an incorrect amount is credited to the Pool Account; if a transaction is missing from or not properly identified in the Pool Account statement; if you receive an incorrect amount of money at an ATM; or if there is a computational or mathematical error by us. You may request documentation or information regarding the Pool Account or a transaction(s) to determine whether an Unauthorized Transaction or Other Error exists by contacting us as stated below.
2. Notification Requirements. In case of Unauthorized Transactions, Other Errors, or questions about your electronic transactions, contact us as stated in Section 19 (Customer Service) below. If you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt, you must contact us within sixty (60) days after we FIRST made available to you a statement on which the error appeared. You may request a written history of your transactions at any time by contacting us as stated below. You will need to provide:
  1. Your name and the Card number;
  2. Why you believe there is an Unauthorized Transaction or Other Error, and the dollar amount involved; and
  3. Approximately when the Unauthorized Transaction or Other Error took place.
  If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.
  
  We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit the Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit the Card. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Cards or Pool Accounts, we may take up to twenty (20) business days to credit the Pool Account for the amount you think is in error.
  
  We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed in Section 19 (Customer Service) below. If you need more information about our error-resolution procedures, contact us as stated in Section 19 (Customer Service) below.
3. Processing Errors. We will rectify any processing error we discover. If the error results in your receipt of less than the correct amount to which you are entitled, your Pool Account will be credited for the difference. If the error results in your receipt of more than the correct amount to which you are entitled, the extra funds will be debited from your Pool Account. If the error resulted in us not completing a transaction on time or in the correct amount, we will be liable for your losses or damages directly caused by this failure, unless: (a) through no fault of ours, you did not have enough available funds to complete the transaction, (b) our system was not working properly and you knew about the breakdown when you started the transaction, or (c) circumstances beyond our control (such as fire, flood or loss of Internet connection) prevented the transaction, despite reasonable precautions. For other protections that may be applicable to transactions made with your Pool Account, please see the Pool Account Agreement.
English Language Controls. Any translation of this Agreement is provided for convenience. The meanings of the terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English text.
Customer Service. For customer service or additional information regarding the Card, please contact:

Card support number: 1-855-664-1888

Email: hello@poolmoney.com

Pool typically responds to emails within 24 hours.

You may also contact us by mail at: 2261 Market Street #5249 San Francisco, CA 94114
Telephone Monitoring/Recording. From time-to-time telephone calls between you and us may be monitored and/or recorded to assure the quality of customer service or as required by applicable law.
No Warranty Regarding Goods or Services as Applicable. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with the Card.
Arbitration. Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) the Card; iii) your acquisition of the Card; iv) your use of the Card; v) the amount of available funds in the Pool Account; vi) advertisements, promotions or oral or written statements related to the Card, as well as goods or services purchased with the Card; vii) the benefits and services related to the Card; or viii) transactions on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. If this section conflicts in any way with the “Dispute Resolution by Binding Arbitration” section of the Pool Account Agreement, this section will control with respect to any Claim. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).

Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.

For a copy of the procedures, to file a Claim or for other information about the AAA, contact: AAA, 335 Madison Avenue, New York, NY 10017 or at www.adr.org.

All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.

NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.

This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of the Card, or any amounts owed on the Pool Account, to any other person or entity; or iv) expiration of the Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD, OR IF IT HAS ALREADY BEEN ACTIVATED, CANCEL IT. YOU MAY CANCEL THE CARD BY EMAILING CUSTOMER SERVICE AT hello@poolmoney.com.

The Pool Visa Debit is issued by First Internet Bank, Member FDIC, pursuant to license by Visa Debit International Incorporated. Visa Debit is a registered trademark, and the circles design is a trademark of Visa Debit International Incorporated. Card may be used everywhere Visa Debit is accepted in the United States.

This Cardholder Agreement is effective as of October 9, 2025.

Pool Visa Debit Cardholder Agreement

Pool Visa Debit Card® - Cardholder Agreement

Terms and Conditions/Definitions for the Pool Visa Debit Card

Accessibility