Terms and Conditions
These user terms and conditions apply to all services offered by Extend Enterprises, Inc. Please read these terms and conditions carefully, as they govern your use of our services.
The following terms used in these terms and conditions are defined as follows:
- "Registered Card” refers to the credit card, credit account, charge card, central bill account, or other credit product 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 through Extend.
- "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 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 validity date a Cardholder has set on such Virtual Card during which the Virtual Card can be used to transact.
Our services are separate from other services you may need to use in connection with ours, such as services provided to you by your mobile device maker, your telecommunication provider, your employer or other company that is requesting you to use our services, 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 solely responsible for any fees or other charges that those third parties may charge you in connection with your use of their 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, the usage 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 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 the applicable Registered Card and any applicable laws or regulations.
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.
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 THE USE OF OUR SERVICES THAT ORIGINATE FROM YOUR USER ACCOUNT, INCLUDING, WITHOUT LIMITATION, ANY VIRTUAL CARD CREATION, ANY VIRTUAL CARD PARAMETERS, ANY VIRTUAL CARD USAGE, AND ANY RECIPIENTS WHO GAIN ACCESS TO VIRTUAL CARDS ASSOCIATED WITH YOUR REGISTERED CARD, WHETHER AUTHORIZED BY YOU.
You must notify us immediately if you become aware of or suspect any fraudulent or unauthorized activity on your account.
We grant you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access or use our services, which may include software, website interfaces or applications, 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 our services.
Registered Card and Virtual Card information sent through Extend are 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 A TRANSACTIONAL LEVEL OR AGGREGATED WITH OTHER USER DATA, FOR PURPOSES OF PROVIDING SERVICES TO YOU AND FOR ANALYTICAL PURPOSES THAT WILL HELP US IMPROVE OUR SERVICES AND THE USER EXPERIENCE.
ENTITIES WITH WHICH WE MAY SHARE YOUR DATA INCLUDE THE FINANCIAL INSTITUTION THAT PROVIDED THE CARDHOLDER WITH THE REGISTERED CARD USED IN THE EXTEND SERVICES; MERCHANTS; YOUR EMPLOYER OR THE COMPANY THROUGH WHICH YOU ARE UTILIZING THE EXTEND SERVICES, THE CARDHOLDER WHO SENT OR APPROVED THE VIRTUAL CARD YOU RECEIVED, OR CARD NETWORKS SUCH AS VISA, MASTERCARD OR AMERICAN EXPRESS. IN ADDITION TO SHARING YOUR DATA WITH SUCH ENTITIES, EXTEND MAY ALSO RECEIVE DATA ABOUT YOU FROM THESE ENTITIES. BY USING OUR SERVICES, YOU ACKNOWLEDGE AND CONSENT TO OUR RECEIPT OF SUCH DATA ABOUT YOU FROM THESE ENTITIES.
We may make changes to these user agreement at any time by providing you with a copy of the revised agreement and notice of the future 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 date the revised agreement takes effect.
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 these terms and conditions, which may include changes to any fees that we may charge you in connection with our services.
You agree to email as the means by which we can communicate with you and 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.
We may terminate our services with you at any time for any reason.
It is your responsibility to notify us if you should choose to terminate your user account with us. You may close your user account with us at anytime by notifying us by email of your decision. Any fees that you owe to us as of the date you terminate your user account will become due and payable immediately.
The following fees apply, unless a party and Extend have agreed otherwise in a separately executed written agreement.
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 pricing section of our website, which can be found at https://www.paywithextend.com/pricing.
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 generate a Virtual Card with respect to such fees only 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.
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 fraudulent or unwanted use of your Registered Card or Virtual Cards associated with that Registered Card by you or any third party; any delays, errors, or disruptions in our services; any viruses or other malicious software; and any actions of any third parties, including the financial institution providing the Registered Card used with Extend, merchants, or the card networks such as Visa, MasterCard or American Express. Actions taken by third parties for which we will not be liable may include, but are not limited to, declined Virtual Card transactions, declined requests for creation of a Virtual Card, or declined Registered Card transactions.
To the extent we are found liable to you, 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 OUR SERVICES, UNLESS AND TO THE EXTENT PROHIBITED BY LAW.
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.
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 our services due to your use of our services, a breach of these terms and conditions 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.
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.
These terms and conditions are governed under the laws of the State of New York without regard to any conflict of law principles.
Our failure to act with respect to a breach of any of your obligations under these terms and conditions 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 these terms and conditions.
If there are any questions regarding our services or these terms and conditions, you may contact us at support.paywithextend.com
[Effective on July 1, 2019]