Terms and Conditions

This user agreement applies to all users of Extend as of July 12, 2018. This agreement is a contract between you and Extend Enterprises, Inc. and governs your use of Extend, a mobile application.

Definitions

As used in this agreement, the following terms are defined as follows:

  • "Registered Card” refers to the credit card issued to a Cardholder by one of our participating financial institutions that such Cardholder registers within Extend.
  • "Cardholder” refers to a user of Extend who is the holder of a Registered Card in Extend.
  • "Recipient” refers to a user of Extend who receives a Virtual Card from a Cardholder.
  • "Virtual Card” refers to a credit card number and associated information (such as the security code, expiration date and billing address), and any Virtual Card Parameters that may apply.
  • "Virtual Card Parameters” refer to the parameters that are available to a user by which a Cardholder can limit the usage of a Virtual Card. These parameters include the maximum amount of spend authorized by a Cardholder on a Virtual Card and the start and end dates a Cardholder has set on such Virtual Card during which the Virtual Card can be used to transact.
Other Third Party Services

Our services are separate from the other services you may need to operate our services, such as services provided by your mobile device maker, your telecommunication provider, your employer or other company that is requesting you to use our service, or the financial institution providing the Registered Card that a Cardholder registers in Extend. We have no responsibility with respect to these third parties and any services they provide to you. It is your responsibility to ensure that your use of our services is allowed under your agreement with any such third parties, and you will be responsible for any fees or other charges that you may incur in connection with those third party services.

Use Of Our Services

By using Extend, you agree to comply with all of the terms and conditions in this user agreement, which includes our privacy policy. You agree that you will use Extend only for legitimate and lawful purposes and in compliance with all applicable laws or regulations that apply to you and to your use of our services.

In order to use Extend, you must first create a user account with us, which requires your first name, last name, a valid phone number, a valid email address, and the creation of a password. Users of Extend can be either a Cardholder, a Recipient, or both. To be able to send a Virtual Card, a user must first register a Registered Card that is eligible for Virtual Card creation, and provide the billing address associated with that Registered Card. That Cardholder will be solely responsible for all Virtual Cards associated with the Registered Card, the Virtual Card Parameters of each Virtual Card, and any Recipients with access to such Virtual Cards.

Your access to and use of Extend is at our sole discretion. We reserve the right to interrupt, block or terminate your access to our application and services at any time for any reason. If we take these actions against you, you will no longer have access to Extend.

Extend does not process any credit card transactions. You are solely responsible for using the Virtual Card information made available to you or sent by you through Extend, in a manner that complies with the terms and conditions governing a credit card and any applicable laws or regulations.

Security Of Your User Account

You are responsible for maintaining adequate security and control of the user ID and password that you create to establish your user account with us.

Risk Of Unauthorized Use

You will be fully responsible for all activity originating from your user account and password. YOU SOLELY TAKE ON THE RISK OF ANY FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER ACTIVITY THAT MAY RESULT FROM USE OF OUR SERVICES THAT ORIGINATE FROM YOUR USER ACCOUNT, INCLUDING, WITHOUT LIMITATION, ANY VIRTUAL CARD CREATION, ANY VIRTUAL CARD PARAMETERS, AND ANY RECIPIENTS WHO GAIN ACCESS TO VIRTUAL CARDS ASSOCIATED WITH YOUR REGISTERED CARD, WHETHER AUTHORIZED BY YOU.

License To Our Services

We grant you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access or use our software and application, including any subsequent updates or upgrades. 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 any software in our services.

Security And Use Of Your Data

Registered Card and Virtual Card information sent through Extend will be transmitted in compliance with the Payment Card Industry Data Security Standards, or PCI-DSS v3.2.1.

By using our services, you agree that we may collect, retain, share and use your data, whether at the transactional level or aggregated with other user data. All use of your data will be in compliance with our privacy policy.

Changes To Our Services And To This User Agreement

We may make changes to this user agreement at any time by providing you with a copy of the revised agreement and notice of the date when such changes will take effect. Your continued use of the service after the effective date of the new terms will constitute your acceptance of such changes. If you do not agree to the new terms, you should discontinue use of our service prior to the effective date of the revised agreement.

Notices

You are responsible for providing and maintaining with us an updated and valid email address, which we will use to contact you for any important updates to our services, including changes to this user agreement. You agree that receipt of any communication sent from us to you by email will be deemed received by you 24 hours after we send the email to you.

Termination Of Our Services And This User Agreement

We may terminate this user agreement between us and you at any time for any reason upon notice to you.

You may close your user account with us at anytime by notifying us by email of your decision to terminate your user account with us. Any fees that you owe to us as of the date you terminate your user account will become due and payable immediately.

Privacy

For information about how we collect, use, and share your information, please review our privacy policy, which is a part of this user agreement and is located at the end of this agreement. By using our services, you consent to the capture, collection, use, and sharing of your information by us in accordance with our privacy policy.

Fees

There are no fees for the use of Extend by a Recipient.

With respect to each Registered Card, we will charge the applicable Cardholder the fees disclosed in the fee section of our website.

Following the end of each calendar quarter, for each Registered Card, we will generate on your behalf a Virtual Card in the amount of the fees that are due and payable for that calendar quarter. You agree to the issuance of these Virtual Cards by us on your behalf, and authorize us to charge your user account for fees in this manner. We will only generate a Virtual Card if the total amount of fees accrued exceed $5.00. If the total amount of fees owed by you to us does not exceed $5.00 at the end of a calendar quarter, such fees will be added to the next calendar quarter calculation.

You will not be charged a fee with respect to the Virtual Card transaction through which you pay your fees.

When you terminate your user account with us, any fees that you owe to us as of the date you terminate will become due and payable immediately.

Limitation On Our Liability To You

Your use of our services is at your own risk.

We will not be liable to you for any of the following: your use of, or your inability to use, our services; any delays, errors, or disruptions in our services; any viruses or other malicious software; and any action of any third parties, including the financial institution providing the Registered Card used with Extend. Actions taken by third parties for which we will not be liable may include, but are not limited to, declined Virtual Card transactions and declined requests for creation of a Virtual Card.

To the extent we are found liable to you under this agreement, our liability will not exceed the total amount of fees paid by you to us in the preceding 12-month period for use of our services, or $100, whichever is greater, unless otherwise prohibited by applicable law.

IN NO EVENT WILL EXTEND ENTERPRISES, INC., ITS AFFILIATES, OR ITS DIRECTORS, OFFICERS, AGENTS OR EMPLOYEES BE LIABLE FOR ANY LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION FOR BREACHES OF PRIVACY, FOR ANY DATA LOSS OR FOR LOSS OF BUSINESS) ARISING OUT OF OR IN CONNECTION WITH THIS USER AGREEMENT OR OUR SERVICES, UNLESS AND TO THE EXTENT PROHIBITED BY LAW.

No Representations Or Warranties

Our services are provided to you "as is", without any representation or warranty of any kind, whether expressed or implied, including implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.

Indemnification

You agree to indemnify and hold harmless Extend Enterprises, Inc., its affiliates, and its directors, officers, agents, and employees, for any actions, claims or demands, including attorney’s fees, arising in connection with this user agreement or our services due to your use of our services, a breach of this user agreement by you, improper or unauthorized use of your user account or Registered Card by a third party, or your violation of any laws or regulations or the rights of any third party.

Ownership Of Intellectual Property

Extend Enterprises, Inc. owns all right, title, and interest in and to our services and all content in connection with our services, including any trademarks, patents, data, logos, technology, software, and applications.

Governing Law

This user agreement is governed under the laws of the State of New York without regard to any conflict of law principles.

Other Provisions

Our failure to act with respect to a breach of any of your obligations under this user agreement does not waive our right to act with respect to subsequent or similar breaches.

You may not transfer or assign any rights or obligations you have under this user agreement. We may transfer or assign this user agreement or any right or obligation under this user agreement at any time.

This user agreement, together with our privacy policy constitutes the entire agreement between you and Extend Enterprises, Inc. with respect to Extend.

Any provision of this user agreement that a court deems to be invalid will have no effect on the validity of any of the other provisions of this user agreement.

Terms in this user agreement which by their nature are continuing shall survive even after termination of this user agreement, including the terms covering indemnification and our limitation of liability.

Privacy Policy

Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your data, including your personally identifiable information.

What personal information do we collect from you on our website or our mobile application?

When first opening a user account with us, we will ask you to enter your first name, last name, a valid phone number, a valid email address, and the creation of a password. If you register a Registered Card with Extend, we will ask you for your credit card information including the billing address associated with that user account, and may display some of that information in the Extend app. Also, each time you request to create or use a Virtual Card, the Virtual Card information will be displayed in the Extend app.

When do we collect information?

We collect information from you and from the financial institution that issued the Registered Card when you register on Extend, enter information on Extend, or use a Virtual Card to make transactions.

How do we use your information?

We may use the information we collect from you when you register, transact, or use certain other application features in the following ways:

  • To improve our mobile application in order to better serve you.
  • To allow us to better service you in responding to your customer service requests.
  • To quickly execute your requests to send or receive Registered Card information through Extend.
  • To ask for ratings and reviews of our services.

How do we protect your information?

Your personal information is encrypted in transit to our mobile application via Secure Socket Layer (SSL) technology. All data is encrypted on the Extend database and is PCI compliant.

Third-party disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with prior notice. This does not include third parties who assist us in operating our mobile application, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when required to comply with the law.

We may use, or provide to third parties, non-personally identifiable information that we collect about our users and their transactions.

Contact Us

If there are any questions regarding these terms and conditions or the privacy policy, you may contact us at

Last Edited on 2018-07-12