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Stripe Services Agreement — United States On this page General Terms Definitions Services Terms Read more about the changes made November 11, 2024 here. Welcome to Stripe! This Stripe Services Agreement includes this introduction, the General Terms, Definitions, Services Terms, and incorporated documents and terms (“Agreement”) and forms a legal agreement between Stripe, Inc. (“Stripe”) and you or the entity you represent (“you” and “your”). This Agreement governs your use of the Services. This Agreement is effective upon the date you first access or use the Services (“Effective Date”) and continues until you or Stripe terminates it (this period, the “Term”). Capitalized terms used in this Agreement that are not defined inline are defined in the Definitions. As referenced in Section 13 of the General Terms, any dispute between you and Stripe is subject to a class action waiver and must be resolved by individual binding arbitration. Please read the arbitration provision in this Agreement as it affects your rights under this Agreement. General Terms Last modified: November 11, 2024 You and Stripe agree as follows: 1. Your Stripe Account. 1.1 Eligibility. Only businesses (including sole proprietors) and non-profit organizations located in the United States are eligible to apply for a Stripe Account and use the Services. Stripe and its Affiliates may provide Services to you or your Affiliates in other countries or regions under separate agreements. You and your Representative must not attempt to create a Stripe Account on behalf of or for the benefit of a user whose use of the Stripe services was suspended or terminated by Stripe, unless Stripe approves otherwise. 1.2 Business Representative. You and your Representative individually affirm to Stripe that (a) your Representative is authorized to provide User Information on your behalf and to bind you to this Agreement; and (b) your Representative is an executive officer, senior manager or otherwise has significant responsibility for the control, management or direction of your business. Stripe may require you or your Representative to provide additional information or documentation demonstrating your Representative’s authority. 1.3 Sole Proprietors. If you are a sole proprietor, you and your Representative also affirm that your Representative is personally responsible and liable for your use of the Services and your obligations to Customers, including payment of amounts you owe under this Agreement. 1.4 Age Requirements. If you are a sole proprietor, and you are not old enough to enter into a contract on your own behalf (which is commonly but not always 18 years old), but you are 13 years old or older, your Representative must be your parent or legal guardian. If you are a legal entity that is owned, directly or indirectly, by an individual who is not old enough to enter into a contract on their own behalf, but the individual is 13 years old or older, your Representative must obtain the consent of either your board or an authorized officer. The approving board, authorized officer, parent or legal guardian is responsible to Stripe and is legally bound to this Agreement as if it had agreed to this Agreement itself. You must not use the Services if you are under 13 years of age. 2. Services and Support. 2.1 Services. Stripe (and its Affiliates, as applicable) will make available to you the Services, including those described in the applicable Services Terms, and, if applicable, give you access to a Stripe Dashboard. 2.2 Services Terms; Order of Precedence. The Services Terms contain specific terms governing the parties’ rights and obligations related to the Services described in those Services Terms. If there are no Services Terms for a particular Stripe service, then only these General Terms govern. By accessing or using a Service, you agree to comply with the applicable Services Terms. If any term in these General Terms conflicts with a term in any Services Terms or set of terms incorporated by reference into this Agreement, then unless terms of lower precedence expressly state to the contrary, the order of precedence is: (a) the Services Terms; (b) these General Terms; and (c) all terms incorporated by reference into this Agreement. Your access to or use of the Services may also be subject to additional terms to which you agree through the Stripe Dashboard. 2.3 Service Modifications and Updates. Stripe may modify the Services and Stripe Technology at any time, including adding or removing functionality or imposing conditions on use of the Services. Stripe will notify you of material adverse changes in, deprecations to, or removal of functionality from, Services or Stripe Technology that you are using. Stripe is not obligated to provide any Updates. However, if Stripe makes an Update available, you must fully install the Update by the date or within the time period stated in Stripe’s notice; or, if there is no date or period stated in the notice, then no later than 30 days after the date of the notice. 2.4 Subcontracting. Stripe may subcontract its obligations under this Agreement to third parties. 2.5 Services Restrictions. You may only use the Services for business purposes. You must not, and must not enable or allow any third party to: (a) use the Services for personal, family or household purposes; (b) act as service bureau or pass-through agent for the Services with no added value to Customers; (c) work around any of the technical limitations of the Services or enable functionality that is disabled or prohibited, or access or attempt to access non-public Stripe systems, programs, data, or services; (d) except as Law permits, reverse engineer or attempt to reverse engineer the Services or Stripe Technology; (e) use the Services to engage in any activity that is illegal, fraudulent, deceptive, exploitative, or harmful; (f) perform or attempt to perform any action that interferes with the normal operation of the Services or affects other Stripe users’ use of Stripe services; (g) exceed any Services usage limitations stated in the Documentation; or (h) copy, reproduce, republish, upload, post, transmit, resell, or distribute in any way, any part of the Services, Documentation, or the Stripe Website except as permitted by Law. 2.6 Preview Services. (a) Classification. Stripe may classify certain Stripe services or Stripe Technology, including a particular product or feature release, as being in a Preview phase. A Stripe service may be generally available in some circumstances (e.g., in some countries or regions) while still released or classified as Preview in other circumstances. (b) Nature of Preview Services. By their nature, Preview Services may be feature-incomplete or contain bugs. Stripe may describe limitations that exist within a Preview Service; however, your reliance on the accuracy or completeness of these descriptions is at your own risk. You should not use Preview Services in a production environment until and unless you understand and accept the limitations and flaws that may be present in the Preview Services. (c) Feedback. Unless Stripe otherwise agrees in writing, your use of Preview Services is confidential, and you must provide timely Feedback on the Preview Services in response to Stripe requests. (d) Availability During Preview Product Release Phase. Stripe may suspend or terminate your access to any Preview Services at any time. 2.7 Support. Stripe will provide you with support to resolve general issues relating to your Stripe Account and your use of the Services through resources and documentation that Stripe makes available on the Stripe Website and in the Documentation. Stripe’s support is also available by contacting Stripe at contact us. Stripe is not responsible for providing support to Customers. 2.8 Third-Party Services. Stripe may reference, enable you to access, or promote (including on the Stripe Website) Third-Party Services. These Third-Party Services are provided for your convenience only and Stripe does not approve, endorse, or recommend any Third-Party Services to you. Your access and use of any Third-Party Service is at your own risk and Stripe disclaims all responsibility and liability for your use of any Third-Party Service. Third-Party Services are not Services and are not governed by this Agreement or Stripe’s Privacy Policy. Your use of any Third-Party Service, including those linked from the Stripe Website, is subject to that Third-Party Service’s own terms of use and privacy policies (if any). 2.9 Modifications to Services or Stripe Technology. (a) Right to Modify. Stripe may modify or discontinue any part of a Service or Stripe Technology, including ceasing to offer that Service or Stripe Technology in a particular country. Stripe will provide you reasonable notice if the modification or discontinuation would materially reduce the functionality of a Service or Stripe Technology that you are using, unless giving notice would (i) pose a security issue to Stripe; or (ii) cause Stripe to violate Law or breach any legal obligation to a Governmental Authority or Financial Partner. (b) Updates. Stripe is not obligated to provide any Updates. If Stripe does make an Update available, you must install the Update by the date or within the time period stated in Stripe’s notice; or, if there is no date or period stated in the notice, then no later than 30 days after the date of the notice. 3. Information; Your Business. 3.1 User Information. Upon Stripe’s request, you must provide User Information to Stripe in a form satisfactory to Stripe. You must keep the User Information in your Stripe Account current. You must promptly update your Stripe Account with any changes affecting you, the nature of your business activities, your Representative, beneficial owners, principals, or any other pertinent information. You must immediately notify Stripe, and provide to Stripe updated User Information, if (a) you experience or anticipate experiencing a Change of Control; (b) you experience or anticipate experiencing a material change in your business or financial condition, including if you experience or are likely to experience an Insolvency Event; (c) the regulatory status of the business for which you are using the Services changes, including if it becomes subject, or no longer subject, to regulatory oversight; or (d) a Governmental Authority has notified you that you or your business is the subject of investigative action. 3.2 Information Stripe Obtains. You authorize Stripe to obtain information about you and your business from Stripe’s service providers and other third parties, including credit reporting agencies, banking partners and information bureaus, for the purposes of this Agreement. This information may include your, or your representative’s, name, addresses, credit history, banking relationships, and financial history. You must authorize and direct those third parties to compile and provide this information to Stripe. 4. Services Fees; Taxes. 4.1 Services Fees. The Fees are stated on the Stripe Pricing Page, unless you and Stripe otherwise agree in writing. Subject to the requirements of Law, Stripe may revise the Fees at any time. Stripe may, from time to time, offer a Service or Service feature without charge, or waive a Fee for that Service or Service feature. If Stripe increases a Fee, or introduces a new Fee, for a Service that you are currently using, then Stripe will notify you at least 30 days (or longer period if Law requires) before the revised or new Fee applies to you. 4.2 Collection of Fees and Other Amounts. You must pay, or ensure that Stripe is able to collect, Fees, Taxes, and other amounts you owe under this Agreement when due. Stripe may deduct, recoup or setoff Fees and other amounts you owe under this Agreement, or under any other agreements you have with Stripe or any of its Affiliates, from your Stripe Account balance, or invoice you for those amounts. If you fail to pay invoiced amounts when due, if your Stripe Account balance is negative or does not contain funds sufficient to pay amounts that you owe under this Agreement, or under any other agreement with Stripe or any of its Affiliates, or if Stripe is unable to collect amounts due from your Stripe Account balance, then Stripe may, to the extent Law permits, deduct, recoup or setoff those amounts from: (a) if established and applicable, each Reserve; (b) funds payable by Stripe or its Affiliate to you or your Affiliate; (c) if established, each User Affiliate Reserve; (d) each User Bank Account; and (e) the Stripe account balance of each Stripe account that Stripe determines, acting reasonably, is associated with you or your Affiliate. If the currency of the amount being deducted is different from the currency of the amount you owe, Stripe may deduct, recoup or setoff an amount equal to the amount owed (using Stripe’s conversion rate) together with any fees Stripe incurs in making the conversion. 4.3 Debit Authorization. Without limiting Section 4.2 of these General Terms, you authorize Stripe to debit each User Bank Account without separate notice, and according to the applicable User Bank Account Debit Authorization, to collect amounts you owe under this Agreement. If Stripe is unable to collect those amounts by debiting a User Bank Account, then you immediately grant to Stripe a new, original authorization to debit each User Bank Account without notice and according to the applicable User Bank Account Debit Authorization. Stripe may rely on this authorization to make one or more attempts to collect all or a subset of the amounts owed. Your authorization under this Section 4.3 will remain in full force and effect until (a) all of your Stripe Accounts are closed; or (b) all fees and other amounts you owe under this Agreement are paid, whichever occurs later. If applicable debit scheme authorization rules grant you the right to revoke your debit authorization, then to the extent Law permits, you waive that right. 4.4 Taxes. The Fees exclude all Taxes, except as the Stripe Pricing Page expressly states to the contrary. You have sole responsibility and liability for: (a) determining which, if any, Taxes or fees apply to the sale of your products and services, acceptance of donations, or payments you make or receive in connection with your use of the Services; and (b) assessing, collecting, reporting and remitting Taxes for your business. If Stripe is required by Law to collect or withhold any Taxes, Stripe may deduct those Taxes from amounts otherwise owed to you and pay those Taxes to the appropriate taxing authority. If you are exempt from paying, or are otherwise eligible to pay a reduced rate on, those Taxes, you may provide to Stripe an original certificate that satisfies applicable legal requirements attesting to your tax-exempt status or reduced rate eligibility, in which case Stripe will not deduct the Taxes that certificate covers. You must provide accurate information regarding your tax affairs as Stripe reasonably requests, and must promptly notify Stripe if any information that Stripe prepopulates is inaccurate or incomplete. Stripe may send documents to you and taxing authorities for transactions processed using the Services. Specifically, Law may require Stripe to file periodic informational returns with taxing authorities related to your use of the Services. Stripe may send tax-related information electronically to you. 5. User Bank Accounts; Funds. 5.1 User Bank Accounts; Prohibition on Grant or Assignment. You must designate at least one User Bank Account in connection with the Services. Stripe may debit and credit a User Bank Account as described in this Agreement. You must not grant or assign to any third party any lien on or interest in funds that may be owed to you under this Agreement until the funds are deposited into a User Bank Account. 5.2 Holding of Funds. To the extent Law and the applicable Financial Services Terms permit, Stripe and its Affiliates may invest funds they hold into liquid investments. Stripe or its applicable Affiliates will (a) hold these investments separate from investments made with their own funds; and (b) own, and User will not receive, any earnings from these investments. Stripe's and its Affiliates' investment of funds will not affect or delay Stripe's payout obligations under this Agreement. 5.3 Regulated Money Transmission; Stripe Status. Certain Services involve regulated money transmission under U.S. Law. To the extent that your use of the Services involves money transmission or other regulated services under U.S. Law, Stripe’s Affiliate, SPC, provides those regulated Services, and the SPC terms located on or accessible from the Stripe Legal Page will apply to you, unless the applicable Services Terms specify otherwise. Stripe is not a bank, and does not accept deposits. 5.4 Dormant Accounts. If you leave any funds dormant in a Stripe Account and you do not instruct Stripe on where to send them, Stripe may deem the funds abandoned by you and deliver them to the appropriate Governmental Authority. However, if Law requires, Stripe will attempt to notify you before doing so. 5.5 Assessed Fines. You (a) are responsible for all Assessed Fines; and (b) must reimburse Stripe for its payment of Assessed Fines, except to the extent the Assessed Fines result from Stripe’s (i) breach of Law, the Agreement, or Financial Services Terms; or (ii) negligence. 6. Termination; Suspension; Survival. 6.1 Termination. (a) Your Termination. You may terminate this Agreement at any time by closing your Stripe Account. To do so, you must open the account information tab in your account settings, select “close my account” and stop using the Services. If after termination you use the Services again, this Agreement will apply with an Effective Date that is the date on which you first use the Services again. (b) Stripe Termination. Stripe may terminate this Agreement (or any part) or close your Stripe Account at any time for any or no reason (including if any event listed in Sections 6.2(a)–(i) of these General Terms occurs) by notifying you. In addition, Stripe may terminate this Agreement (or relevant part) for cause if Stripe exercises its right to suspend Services (including under Section 6.2 of these General Terms) and does not reinstate the suspended Services within 30 days. (c) Termination for Material Breach. A party may terminate this Agreement immediately upon notice to the other party if the other party materially breaches this Agreement, and if capable of cure, does not cure the breach within 10 days after receiving notice specifying the breach. If the material breach affects only certain Services, the non-breaching party may choose to terminate only the affected Services. (d) Effect on Other Agreements. Unless stated to the contrary, termination of this Agreement will not affect any other agreement between the parties or their Affiliates. 6.2 Suspension. Stripe may immediately suspend providing any or all Services to you, and your access to the Stripe Technology, if: (a) Stripe believes it will violate any Law, Financial Services Terms or Governmental Authority requirement; (b) a Governmental Authority or a Financial Partner requires or directs Stripe to do so; (c) you do not update in a timely manner your implementation of the Services or Stripe Technology to the latest production version Stripe recommends or requires; (d) you do not respond in a timely manner to Stripe’s request for User Information or do not provide Stripe adequate time to verify and process updated User Information; (e) you breach this Agreement or any other agreement between the parties; (f) you breach any Financial Services Terms; (g) you enter an Insolvency Event; (h) Stripe believes that you are engaged in a business, trading practice or other activity that presents an unacceptable risk to Stripe; or (i) Stripe believes that your use of the Services (i) is or may be harmful to Stripe or any third party; (ii) presents an unacceptable level of credit risk; (iii) increases, or may increase, the rate of fraud that Stripe observes; (iv) degrades, or may degrade, the security, privacy, stability or reliability of the Stripe services, Stripe Technology or any third party’s system (e.g., your involvement in a distributed denial of service attack); (v) enables or facilitates, or may enable or facilitate, illegal or prohibited transactions; or (vi) is or may be unlawful. 6.3 Survival. The following will survive termination of this Agreement: (a) provisions that by their nature are intended to survive termination (including Sections 4, 7.2, 9.4, 11, 12 and 13 of these General Terms); and (b) provisions that allocate risk, or limit or exclude a party’s liability, to the extent necessary to ensure that a party’s potential liability for acts and omissions that occur during the Term remains unchanged after this Agreement terminates. 7. Use Rights. 7.1 Use of Services. Subject to the terms of this Agreement, Stripe (or its applicable Affiliates) grants you a worldwide, non-exclusive, non-transferable, non-sublicensable, royalty-free license during the Term to access the Documentation, and access and use the Stripe Technology, as long as your access and use is (a) solely as necessary to use the Services; (b) solely for your business purposes; and (c) in compliance with this Agreement and the Documentation. 7.2 Feedback. During the Term, you and your Affiliates may provide Feedback to a Stripe Entity. You grant, on behalf of yourself and your Affiliates, to Stripe and its Affiliates a perpetual, worldwide, non-exclusive, irrevocable, royalty-free license to exploit that Feedback for any purpose, including developing, improving, manufacturing, promoting, selling and maintaining the Stripe services. All Feedback is Stripe’s confidential information. 7.3 Marks Usage. Subject to the terms of this Agreement, each party (or its applicable Affiliates) grants to the other party a worldwide, non-exclusive, non-transferable, non-sublicensable (except to its Affiliates), royalty-free license during the Term to use the Marks of the grantor party or its Affiliate solely to identify Stripe as your service provider. Stripe and its applicable Affiliates may use your Marks: (a) on Stripe webpages and apps that identify Stripe’s customers or users; (b) in Stripe sales/marketing materials and communications; and (c) in connection with promotional activities to which the parties agree in writing. When using Marks of a Stripe Entity, you must comply with the Stripe Marks Usage Terms and all additional usage terms and guidelines that Stripe provides to you in writing (if any). All goodwill generated from the use of Marks will inure to the sole benefit of the Mark owner. 7.4 No Joint Development; Reservation of Rights. As between the parties, Stripe, its Affiliates, and its third party licensors own all IP Rights in the Services, the Stripe Technology, the Stripe Marks, the Documentation, and the Stripe Website. Any joint development between the parties of intellectual property will require and be subject to a separate agreement between the parties. Nothing in this Agreement assigns or transfers ownership of any IP Rights to the other party or its Affiliates, or contemplates a joint development of intellectual property. All rights (including IP Rights) not expressly granted in this Agreement are reserved. 8. Privacy and Data Use. 8.1 Privacy Policies. Each party will make available a Privacy Policy that complies with Law. Stripe’s Privacy Policy explains how and for what purposes Stripe collects, uses, retains, discloses and safeguards the Personal Data you provide to Stripe. 8.2 Disclosures. When you provide Personal Data to Stripe, or authorize Stripe to collect Personal Data, you must provide all necessary notices to, and obtain all necessary rights and consents from, the applicable individuals (including your Customers) sufficient to enable Stripe to lawfully collect, use, retain and disclose the Personal Data in the ways this Agreement and Stripe’s Privacy Policy describe. You will determine the content of the notices you provide to your Customers. 8.3 Personal Data. Stripe will Process Personal Data for the purposes described in Section 2 of the Data Processing Agreement. You are responsible for being aware of, and complying with, Law governing your use, storage and disclosure of Personal Data. 8.4 Data Processing Agreement. The Data Processing Agreement, including the Data Transfers Addendum, that applies to your use of the Services and transfer of Personal Data, is incorporated into this Agreement by this reference. Each party will comply with the Data Processing Agreement. 8.5 Stripe Data. You may use the Stripe Data only as this Agreement and other applicable agreements between a Stripe Entity and you (or your Affiliates, if applicable) permit. 8.6 Retention of Data. Stripe is not obligated to retain data after the Term, except as (a) required by Law; (b) required for Stripe to perform any post-termination obligations; (c) this Agreement otherwise states; or (d) the parties otherwise agree in writing. 8.7 Use of Fraud Signals. If Stripe provides you with information regarding the possibility or likelihood that a transaction may be fraudulent or that an individual cannot be verified, Stripe may incorporate your subsequent actions and inactions into Stripe’s fraud and verification model, for the purpose of identifying future potential fraud. Please see the Stripe Privacy Center for more information on Stripe’s collection of end-customer data for this purpose and for guidance on how to notify your Customers. 8.8 Third Party Data You Provide. If you enable Services or features of Services or functionality that provide Stripe access to data, including Personal Data and Content, from your third party service providers (“Third Party Data”), then you authorize Stripe to access and use the Third Party Data, and you must obtain all necessary rights and consents from the applicable individuals and third parties sufficient to enable Stripe to lawfully collect, use, retain, and disclose the Third Party Data. Stripe will use Third Party Data as this Agreement describes and to (a) secure, provide, and update the Stripe services, (b) comply with Law and Financial Partner requirements, and (c) prevent and mitigate fraud, financial loss, and other harm. You must not provide Protected Health Information to Stripe as part of Third Party Data. You are liable for any disclosure of Protected Health Information to Stripe when you provide access to the Third Party Data. 9. Data Security. 9.1 Controls. Each party will maintain commercially reasonable administrative, technical, and physical safeguards designed to protect data in its possession or under its control from unauthorized access, accidental loss, and unauthorized modification. 9.2 PCI-DSS. Stripe will make reasonable efforts to provide the Services in a manner consistent with PCI-DSS requirements that apply to Stripe. 9.3 Stripe Account Credentials. You must prevent any Credential Compromise, and otherwise ensure that your Stripe Account is not used or modified by anyone other than you and your representatives. If a Credential Compromise occurs, you must promptly notify and cooperate with Stripe, including by providing information that Stripe requests. Any act or failure to act by Stripe will not diminish your responsibility for Credential Compromises. 9.4 Data Breach. You must notify Stripe immediately if you become aware of an unauthorized acquisition, modification, disclosure, access to, or loss of Personal Data on your systems. 9.5 Audit Rights. If Stripe believes that a compromise of data has occurred on your systems, website, or app, Stripe may require you to permit a Stripe approved third-party auditor to audit the security of your systems and facilities. You must fully cooperate with all auditor requests for information or assistance. As between the parties, you are responsible for all costs and expenses associated with these audits. Stripe may share with Financial Services Partners any report the auditor issues. 10. Representations and Warranties. 10.1 Representations and Warranties. You represent as of the Effective Date, and warrant at all times during the Term, that: (a) you have the right, power, and ability to enter into and perform under this Agreement; (b) you are a business (which may be a sole proprietor) or a non-profit organization located in the United States and are eligible to apply for a Stripe account and use the Services; (c) you have, and comply with, all necessary rights, consents, licenses, and approvals for the operation of your business and to allow you to access and use the Services in compliance with this Agreement and Law; (d) your employees, contractors and agents are acting consistently with this Agreement; (e) your use of the Services does not violate or infringe upon any third-party rights, including IP Rights, and you have obtained, as applicable, all necessary rights and permissions to enable your use of Content in connection with the Services; (f) you are authorized to initiate settlements to and debits from the User Bank Accounts; (g) your use of the Services and Stripe Technology, performance of your obligations under this Agreement, and conduct of your business, comply with Law; (h) you comply with the Documentation; (i) you comply with the Financial Services Terms, and are not engaging in activity that any Financial Partner identifies as damaging to its brand; (j) you do not use the Services to conduct a Prohibited or Restricted Business, transact with any Prohibited or Restricted Business, or enable any individual or entity (including you) to benefit from any Prohibited or Restricted Business, unless Stripe has pre-approved the respective Prohibited or Restricted Business in writing; (k) you are the named account holder of each User Bank Account, and each User Bank Account is located in a country Stripe approves you to maintain Bank Accounts; and (l) all information you provide to Stripe, including the User Information, is accurate and complete. 10.2 Scope of Application. Unless this Agreement states to the contrary elsewhere, the representations and warranties in Sections 10.1 and 15.9 of these General Terms apply generally to your performance under this Agreement. Additional representations and warranties that apply only to a specific Service may be included in the Services Terms. 11. Indemnity. 11.1 Stripe IP Infringement. (a) Defense and Indemnification. Stripe will defend you against any IP Claim and indemnify you against all IP Claim Losses. (b) Limitations. Stripe’s obligations in this Section 11.1 do not apply if the allegations do not specify that the Stripe Technology, Services, or Mark of a Stripe Entity is the basis of the IP Claim, or to the extent the IP Claim or IP Claim Losses arise out of: (i) the use of the Stripe Technology or Services in combination with software, hardware, data, or processes not provided by Stripe; (ii) failure to implement, maintain and use the Stripe Technology or Services in accordance with the Documentation and this Agreement; (iii) your breach of this Agreement; or (iv) your negligence, fraud or willful misconduct. (c) Process. You must promptly notify Stripe of the IP Claim for which you seek indemnification; however, any delay or failure to notify will not relieve Stripe of its obligations under this Section 11, except to the extent Stripe has been prejudiced by the delay or failure. You must give Stripe sole control and authority to defend and settle the IP Claim, but (i) you may participate in the defense and settlement of the IP Claim with counsel of your own choosing at your own expense; and (ii) Stripe will not enter into any settlement that imposes any obligation on you (other than payment of money, which Stripe will pay) without your consent. You must reasonably assist Stripe in defending the IP Claim. (d) Other Stripe Actions. Stripe may in its discretion and at no additional expense to you: (i) modify the Stripe Technology or Services so that they are no longer claimed to infringe or misappropriate IP Rights of a third party; (ii) replace the affected Stripe Technology or Services with a non-infringing alternative; (iii) obtain a license for you to continue to use the affected Stripe Technology, Services, or Mark; or (iv) terminate your use of the affected Stripe Technology, Services, or Mark upon 30 days’ notice. (e) Exclusive Remedy. This Section 11.1 states Stripe’s sole liability, and your sole and exclusive right and remedy, for infringement by the Stripe Technology, Services, or Marks of a Stripe Entity, including any IP Claim. 11.2 Your Indemnification Obligations. (a) Defense. You will defend the Stripe Parties against any Claim made against any of the Stripe Parties to the extent arising out of or relating to: (i) your breach of any of your representations, warranties or obligations under this Agreement; (ii) your use of the Services, including use of Personal Data; (iii) an allegation that any of the Marks you license to Stripe, or your Content, infringes on or misappropriates the rights, including IP Rights, of the third party making the Claim; or (iv) a User Party’s negligence, willful misconduct or fraud. (b) Indemnification. You will indemnify the Stripe Parties against all Stripe Losses arising out of or relating to Claims described in this Section 11.2. 12. Disclaimer and Limitations on Liability. The following disclaimer and limitations will apply notwithstanding the failure of the essential purpose of any limited remedy. 12.1 Disclaimer. Stripe provides the Services and Stripe Technology “AS IS” and “AS AVAILABLE”. Except as expressly stated as a “warranty” in this Agreement, and to the maximum extent permitted by Law, Stripe does not make any, and expressly disclaims all, express and implied warranties and statutory guarantees with respect to its performance under this Agreement, the Services, Financial Partners, the Stripe Technology, Stripe Data and the Documentation, including as related to availability, the implied warranties of fitness for a particular purpose, merchantability and non-infringement, and the implied warranties arising out of any course of dealing, course of performance or usage in trade. The Stripe Parties are not liable for any losses, damages, or costs that you or others may suffer arising out of or relating to hacking, tampering, or other unauthorized access or use of the Services, your Stripe Account, or Protected Data, or your failure to use or implement anti-fraud or data security measures. Further, the Stripe Parties are not liable for any losses, damages, or costs that you or others may suffer arising out of or relating to (a) your access to, or use of, the Services in a way that is inconsistent with this Agreement or the Documentation; (b) unauthorized access to servers or infrastructure, or to Stripe Data or Protected Data; (c) Service interruptions or stoppages; (d) bugs, viruses, or other harmful code that may be transmitted to or through the Service (e) errors, inaccuracies, omissions or losses in or to any Protected Data or Stripe Data; (f) Content; or (g) your or another party's defamatory, offensive, fraudulent, or illegal conduct. 12.2 LIMITATIONS ON LIABILITY. (a) Indirect Damages. To the maximum extent permitted by Law, the Stripe Parties will not be liable to you or your Affiliates in relation to this Agreement or the Services during and after the Term, whether in contract, negligence, strict liability, tort or other legal or equitable theory, for any lost profits, personal injury, property damage, loss of data, business interruption, indirect, incidental, consequential, exemplary, special, reliance, or punitive damages, even if these losses, damages, or costs are foreseeable, and whether or not you or the Stripe Parties have been advised of their possibility. (b) General Damages. To the maximum extent permitted by Law, the Stripe Parties will not be liable to you or your Affiliates in relation to this Agreement or the Services during and after the Term, whether in contract, negligence, strict liability, tort or other legal or equitable theory, for losses, damages, or costs exceeding in the aggregate the greater of (i) the total amount of Fees you paid to Stripe (excluding all pass-through fees levied by Financial Partners) during the 3-month period immediately preceding the event giving rise to the liability; and (ii) $500 USD. 13. Dispute Resolution; Agreement to Arbitrate. 13.1 Governing Law. The laws of the state of California will govern this Agreement, without giving effect to its conflict of law principles. 13.2 Binding Arbitration. (a) All disputes, claims and controversies, whether based on past, present or future events, arising out of or relating to statutory or common law claims, the breach, termination, enforcement, interpretation or validity of any provision of this Agreement, and the determination of the scope or applicability of your agreement to arbitrate any dispute, claim or controversy originating from this Agreement, but specifically excluding any dispute principally related to either party’s IP Rights (which will be resolved in litigation before the United States District Court for the Northern District of California), will be determined by binding arbitration in San Francisco, California before a single arbitrator. (b) The American Arbitration Association will administrate the arbitration under its Commercial Arbitration Rules. The Expedited Procedures of the American Arbitration Association’s Commercial Arbitration Rules will apply for cases in which no disclosed claim or counterclaim exceeds $75,000 USD (excluding interest, attorneys’ fees and arbitration fees and costs). Where no party’s claim exceeds $25,000 USD (excluding interest, attorneys’ fees and arbitration fees and costs), and in other cases where the parties agree, Section E-6 of the Expedited Procedures of the American Arbitration Association’s Commercial Arbitration Rules will apply. (c) The arbitrator will apply the substantive law of the State of California and of the United States, excluding their conflict or choice of law rules. (d) Nothing in this Agreement will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. (e) The parties acknowledge that this Agreement evidences a transaction involving interstate commerce. Notwithstanding the provisions in this Section 13 referencing applicable substantive law, the Federal Arbitration Act (9 U.S.C. Sections 1-16) will govern any arbitration conducted in accordance with this Agreement. 13.3 Arbitration Procedure. (a) A party must notify the other party of its intent to commence arbitration prior to commencing arbitration. The notice must specify the date on which the arbitration demand is intended to be filed, which must be at least 30 days after the date of the notice. During this time period, the parties will meet for the purpose of resolving the dispute prior to commencing arbitration. (b) Subject to Section 13.3(a) of these General Terms, each party may commence arbitration by providing to the American Arbitration Association and the other party to the dispute a written demand for arbitration, stating the subject of the dispute and the relief requested. (c) Subject to the disclaimers and limitations of liability stated in this Agreement, the appointed arbitrators may award monetary damages and any other remedies allowed by the laws of the State of California. In making a determination, the arbitrator will not have the authority to modify any term of this Agreement. The arbitrator will deliver a reasoned, written decision with respect to the dispute to each party, who will promptly act in accordance with the arbitrator’s decision. Any award (including interim or final remedies) may be confirmed in or enforced by a state or federal court located in San Francisco, California. The decision of the arbitrator will be final and binding on the parties, and will not be subject to appeal or review. (d) In accordance with the AAA Rules, the party initiating the arbitration is responsible for paying the applicable filing fee. Each party will advance one-half of the fees and expenses of the arbitrator, the costs of the attendance of the arbitration reporter at the arbitration hearing, and the costs of the arbitration facility. In any arbitration arising out of or relating to this Agreement, the arbitrator will award to the prevailing party, if any, the costs and attorneys’ fees reasonably incurred by the prevailing party in connection with those aspects of its claims or defenses on which it prevails, and any opposing awards of costs and legal fees awards will be offset. 13.4 Confidentiality. The parties will keep confidential the existence of the arbitration, the arbitration proceeding, the hearing and the arbitrator’s decision, except (a) as necessary to prepare for and conduct the arbitration hearing on the merits; (b) in connection with a court application for a preliminary remedy, or confirmation of an arbitrator’s decision or its enforcement; (c) Stripe may disclose the arbitrator’s decision in confidential settlement negotiations; (d) each party may disclose as necessary to professional advisors that are subject to a strict duty of confidentiality; and (e) as Law otherwise requires. The parties, witnesses, and arbitrator will treat as confidential and will not disclose to any third person (other than witnesses or experts) any documentary or other evidence produced in any arbitration, except as Law requires or if the evidence was obtained from the public domain or was otherwise obtained independently from the arbitration. 13.5 Conflict of Rules. In the case of a conflict between the provisions of this Section 13 and the AAA Rules, the provisions of this Section 13 will prevail. 13.6 Class Waiver. To the extent Law permits, any dispute arising out of or relating to this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. Notwithstanding any other provision of this Agreement or the AAA Rules, disputes regarding the interpretation, applicability, or enforceability of this class waiver may be resolved only by a court and not by an arbitrator. If this waiver of class or consolidated actions is deemed invalid or unenforceable, neither party is entitled to arbitration. 13.7 No Jury Trial. If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to this Agreement or any of the transactions contemplated between the parties. 14. Modifications to this Agreement. Stripe may modify all or any part of this Agreement at any time by posting a revised version of the modified General Terms (including the introduction to this Agreement and the Definitions), Services Terms or terms incorporated by reference on the Stripe Legal Page or by notifying you. The modified Agreement is effective upon posting or, if Stripe notifies you, as stated in the notice. By continuing to use Services after the effective date of any modification to this Agreement, you agree to be bound by the modified Agreement. It is your responsibility to check the Stripe Legal Page regularly for modifications to this Agreement. Stripe last modified these General Terms on the date listed under the “General Terms” heading, and each set of Services Terms on the date listed under the heading for those terms. Except as this Agreement (including in this Section 14) otherwise allows, this Agreement may not be modified except in writing signed by the parties. 15. General Provisions. 15.1 Electronic Communications. By accepting this Agreement or using any Service, you consent to electronic communications as described in the E-SIGN Disclosure, which is incorporated into this Agreement by this reference. 15.2 Notices and Communications. (a) Notices to Stripe. Unless this Agreement states otherwise, for notices to Stripe, you must contact us. A notice you send to Stripe is deemed to be received when Stripe receives it. (b) Communications to you. In addition to sending you a Communication electronically as Section 15.1 of these General Terms describes, Stripe may send you Communications by physical mail or delivery service to the postal address listed in the applicable Stripe Account. A Communication Stripe sends to you is deemed received by you on the earliest of (i) when posted to the Stripe Website or Stripe Dashboard; (ii) when sent by text message or email; and (iii) three business days after being sent by physical mail or when delivered, if sent by delivery service. 15.3 Legal Process. Stripe may respond to and comply with any Legal Process that Stripe believes to be valid. Stripe may deliver or hold any funds or, subject to the terms of Stripe’s Privacy Policy, any data as required under the Legal Process, even if you are receiving funds or data on behalf of other parties. Where Law permits, Stripe will notify you of the Legal Process by sending a copy to the email address in the applicable Stripe Account. Stripe is not responsible for any losses, whether direct or indirect, that you may incur as a result of Stripe’s response or compliance with a Legal Process in accordance with this Section 15.3. 15.4 Collection Costs. You are liable for all costs Stripe incurs during collection of any amounts you owe under this Agreement, in addition to the amounts you owe. Collection costs may include attorneys’ fees and expenses, costs of any arbitration or court proceeding, collection agency fees, applicable interest, and any other related cost. 15.5 Interpretation. (a) No provision of this Agreement will be construed against any party on the basis of that party being the drafter. (b) References to “includes” or “including” not followed by “only” or a similar word mean “includes, without limitation” and “including, without limitation,” respectively. (c) Except where expressly stated otherwise in writing executed between you and Stripe, this Agreement will prevail over any conflicting policy or agreement for the provision or use of the Services. (d) All references in this Agreement to any terms, documents, Law or Financial Services Terms are to those items as they may be amended, supplemented or replaced from time to time. All references to APIs and URLs are references to those APIs and URLs as they may be updated or replaced. (e) The section headings of this Agreement are for convenience only, and have no interpretive value. (f) Unless expressly stated otherwise, any consent or approval that may be given by a party (i) is only effective if given in writing and in advance; and (ii) may be given or withheld in the party’s sole and absolute discretion. (g) References to “business days” means weekdays on which banks are generally open for business in the country in which Stripe is located. Unless specified as business days, all references in this Agreement to days, months or years mean calendar days, calendar months or calendar years. (h) Unless expressly stated to the contrary, when a party makes a decision or determination under this Agreement, that party has the right to use its sole discretion in making that decision or determination. (i) The United Nations Convention on Contracts for the International Sale of Goods will not apply to this Agreement. 15.6 Waivers. To be effective, a waiver must be in writing signed by the waiving party. The failure of either party to enforce any provision of this Agreement will not constitute a waiver of that party’s rights to subsequently enforce the provision. 15.7 Force Majeure. Stripe and its Affiliates will not be liable for any losses, damages, or costs you suffer, or delays in a Stripe Entity's performance or non-performance, to the extent caused by a Force Majeure Event. 15.8 Assignment. You may not assign or transfer any obligation or benefit under this Agreement without Stripe’s consent. Any attempt to assign or transfer in violation of the previous sentence will be void in each instance. If you wish to assign this Agreement, please contact us. Stripe may, without your consent, freely assign and transfer this Agreement, including any of its rights or obligations under this Agreement. This Agreement will be binding on, inure to the benefit of, and be enforceable by the parties and their permitted assigns. 15.9 Trade Control. You must not use or otherwise export, re-export or transfer the Stripe Technology except as authorized by United States law and the laws of the jurisdiction(s) in which the Stripe Technology was distributed and obtained, including by providing access to Stripe Technology (a) to any individual or entity ordinarily resident in a High-Risk Jurisdiction; or (b) to any High-Risk Person. By using the Stripe Technology, you represent as of the Effective Date and warrant during the Term that you are not (i) located in or organized under the laws of any High-Risk Jurisdiction; (ii) a High-Risk Person; or (iii) owned 50% or more, or controlled, by individuals and entities (x) located in or, as applicable, organized under the laws of any High-Risk Jurisdiction; or (y) any of whom or which is a High-Risk Person. You must not use the Stripe Technology for any purposes prohibited by Law, including the development, design, manufacture or production of missiles, nuclear, chemical or biological weapons. 15.10 No Agency. Each party to this Agreement, and each Financial Partner, is an independent contractor. Nothing in this Agreement serves to establish a partnership, joint venture, or general agency relationship between Stripe and you, or with any Financial Partner. If this Agreement expressly establishes an agency relationship between you as principal and a Stripe Entity as agent, the agency conferred, including your rights as principal and a Stripe Entity's obligations as agent, is limited strictly to the stated appointment and purpose and implies no duty to you, or a Stripe Entity, and will in no event establish an agency relationship for tax purposes. 15.11 Severability. If any court or Governmental Authority determines a provision of this Agreement is unenforceable, the parties intend that this Agreement be enforced as if the unenforceable provision were not present, and that any partially valid and enforceable provision be enforced to the extent that it is enforceable. 15.12 Cumulative Rights; Injunctions. The rights and remedies of the parties under this Agreement are cumulative, and each party may exercise any of its rights and enforce any of its remedies under this Agreement, along with all other rights and remedies available to it at law, in equity or under the Financial Services Terms. Any material breach by a party of Section 7 or Section 8 of these General Terms could cause the non-breaching party irreparable harm for which the non-breaching party has no adequate remedies at law. Accordingly, the non-breaching party is entitled to seek specific performance or injunctive relief for the breach. 15.13 Entire Agreement. This Agreement constitutes the entire agreement and understanding of the parties with respect to the Services, and supersedes all prior and contemporaneous agreements and understandings. Definitions “AAA Rules” means the American Arbitration Association’s Commercial Arbitration Rules as described in Section 13.2(b) of the General Terms. “ACH Network” means the automated clearinghouse payment network that the member organizations of Nacha control and manage. “Acquirer Terms” means the terms that a Payment Method Acquirer has specified that apply to that Payment Method Acquirer’s services, located on or accessible from the Stripe Legal Page. “Activity” means any action taken on or related to a Connected Account's Stripe account that a Stripe Connect Platform or a Connected Account initiates, submits or performs, either through the Stripe Technology or through the Stripe Connect Services, including communication regarding the Services as related to that Connected Account. “Advanced Fraud Tools Data” means Authorization Risk Scores, Card Testing Risk Levels, Merchant Dispute Rates, Fraud Disputability Assessments, Compromised Card Alerts, and all other data you receive through the Advanced Fraud Tools Services. “Advanced Fraud Tools Services” means the Services that are designed to enable you to detect and evaluate the risk that a Card Transaction authorization or other related activity is fraudulent, and may, at your option, include: (a) access to an Authorization Risk Score, Card Testing Risk Level, Merchant Dispute Rate, and Fraud Disputability Assessment for each Card Transaction authorization; (b) Compromised Card Alerts for potentially compromised Cards; (c) access to additional data, analytics, and indicators of fraud via the Stripe API and Stripe Dashboard, including Card Transaction authorization risk characteristic reports, anomalous spend alerts, and other supplemental fraud and risk data; (d) access to SMS fraud alert verifications; and (e) access to other fraud detection features and capabilities that Stripe may make available to you. “Affiliate” means an entity that directly or indirectly Controls, is Controlled by, or is under common Control with another entity. “AML and Sanctions Law” means all applicable anti-money laundering and sanctions laws, rules, regulations and other binding requirements of any regulator or other governmental agency or entity with jurisdiction in the United States, or with jurisdiction over the Stripe Vault and Forward Services, Stripe or its Affiliates, you or your Affiliates, or a Third Party PSP, as applicable. “API” means application programming interface. “Apps on Devices” means the application management and distribution service and developer tools provided by Stripe that enable you to deploy Stripe Apps on Stripe Terminal Products. “Assessed Fines” means assessments, penalties, fines, and fees imposed by Governmental Authorities or Financial Partners arising out of or relating to your use of the Services. “Authorized Purpose” means the purpose approved by Stripe under Section 2.1 of the Stripe Financial Connections Terms for which you may collect, use, disclose and process Connections Data. “Authorization Risk Score” means a risk score or level associated with a Card Transaction authorization based on Stripe Data, including the Merchant Dispute Rate and the Card Testing Risk Level. “Available Spend” has the meaning given to it in the applicable Issuing Bank Terms. “Available Treasury Balance” means the amount of funds that is available to be transferred or paid out of a Financial Account. “Beneficiary” means a business entity (i.e., not a natural person) that is an intended beneficiary of a Retirement or Retirement Services. “Carbon Removal Unit,” or “CRU,” means a specified amount of carbon dioxide removed from the atmosphere that is acquired via Offtake Agreements. CRUs may be either a full or a partial ton. “Card” has the meaning given to it in the applicable Issuing Bank Terms. “Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express and Discover. “Card Network Rules” means the Payment Method Rules published by a Card Network. “Card Testing Attack” means repeated fraudulent tests of card account numbers until a valid card account number is found. “Card Testing Risk Level” means the level assigned to a Card Transaction authorization that represents the likelihood the Card Transaction authorization is or will be impacted by Card Testing Attacks. “Card Transaction” has the meaning given in the applicable Issuing Bank Terms. “CCPA” means California Consumer Privacy Act of 2018, Cal. Civ. Code Sections 1798.100-1798.199. “Change of Control” means (a) an event in which any third party or group acting together, directly or indirectly, acquires or becomes the beneficial owner of, more than 50% of a party’s voting securities or interests; (b) a party’s merger with one or more third parties; (c) a party’s sale, lease, transfer or other disposal of all or substantially all of its assets; or (d) entry into any transaction or arrangement that would have the same or similar effect as a transaction referred to in (a)-(c) of this definition; but, does not include an initial public offering or listing. “Claim” means any claim, demand, government investigation or legal proceeding made or brought by a third party. “Climate API” means the application programming interfaces that facilitate your selection of Retirement Services and any associated CRUs, and the sample code, instructions, requirements, and other guidelines as described in the Documentation. “Climate Project” means a climate project that Stripe funds. "Communication” means any written or electronic transmission of information or communication, including a notice, approval, consent, authorization, agreement, disclosure or instruction. “Compromised Card Alert” means a notification that a Card may have been compromised by a Card Testing Attack. “Connected Account” means (a) a Platform User that has a Stripe account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient. “Connected Account Agreement” means the agreement with Stripe that applies to Connected Accounts (except Payout Recipients), which is accessible on the Stripe Legal Page for the Connected Account's jurisdiction. “Connected Account Data” means data about Connected Accounts and Activity, which may include Protected Data and Stripe Data. “Connections Data” means data associated with a Connections End User’s financial account that Stripe provides to you through the Stripe Financial Connections Services, which may include account and routing numbers, account ownership information, account balance, and account transactions, from Data Sources. “Connections End User” means an End User whose Connections Data you request to access, collect, use, and process in connection with the Stripe Financial Connections Services. “Content” means all text, images, and other content that Stripe does not provide to you and that you upload, publish or use in connection with the Services. “Control” means direct or indirect ownership of more than 50% of the voting power or equity in an entity. “Credential Compromise” means an unauthorized access, disclosure or use of your Stripe Account credentials, which includes Stripe API keys. “Custodial Account” means a custodial account that SPC maintains, in its name, at the Treasury Bank, for the benefit of all accountholders using the Stripe Treasury Services. “Custom Account” means a Connected Account enrolled as a Custom account, as described in the Documentation. “Customer” means an entity or individual who owes payment to you in exchange for you providing goods or services (including charitable services). “Customer and Payment Method Information” (or “CPM Information”) means Customer account information including Customer name, Customer contact information, Customer billing information, Customer tax ID, Customer loyalty program information, and Customer’s payment methods saved to the Customer profile. “Customer and Payment Method Sharing” means the feature that enables you to share Customer Payment Method Information of your Organization Accounts with other Organization Accounts in your Organization. “Cut-Off Time” means the time on a business day by which SPC must receive an instruction or Financial Account Transaction request from a Stripe Treasury Accountholder in order to process that instruction or request on the same day. “Data Source” means an entity that provides financial account information to Stripe. “Data Processing Agreement” means the data processing agreement located at www.stripe.com/legal/dpa. “Data Warehouse” means a data storage solution listed on the Stripe Website that you select. “Dispute” means an instruction a Customer initiates to reverse or invalidate a processed Transaction (including “chargebacks” and “disputes” as those terms may be used by Payment Method Providers). “Disputes API Form” means an electronic form that enables you and your Connected Accounts to submit Card Transaction disputes to Stripe. “Documentation” means the sample code, instructions, requirements and other documentation (a) available on the Stripe Website, the first page of which is located at www.stripe.com/docs; and (b) included in the Stripe SDKs. "DP Law" has the meaning given to it in the Data Processing Agreement. “Due Diligence Requirements” means requirements imposed by Law that govern, are related to, or are similar to Anti-Money Laundering (AML), Know Your Customer (KYC), Know Your Business (KYB) and Customer Due Diligence (CDD). “End User” has the meaning given to it in Stripe’s Privacy Policy. “End User Rights” means the data privacy rights afforded to End Users under DP Law. “End User Service” has the meaning given to it in the Stripe End User Terms. “Entry” has the meaning given to it in the Nacha Operating Rules. “ERISA” means the Employee Retirement Income Security Act of 1974, 29 U.S.C. Chapt. 18. “Express Account” means a Connected Account enrolled as an Express account, as described in the Documentation. “Express Consent” means a Connections End User’s express, informed opt-in consent to your collection, use, disclosure, and processing of that Connections End User’s Connections Data for the Authorized Purpose. “Express Consent UI” means the user interface, including the text and consent mechanism included on that user interface, through which you obtain Express Consents. “FCRA” means Fair Credit Reporting Act, 15 U.S.C. Section 1681, et seq. and Equal Credit Opportunity Act, 15 U.S.C. Section 1681, et seq. “FDIC” means Federal Deposit Insurance Corporation. “FDIC Insurance” means deposit insurance that covers certain types of accounts at FDIC-insured banks. “Feedback” means ideas, suggestions, comments, observations and other input you provide to Stripe regarding Stripe services and the Stripe Technology. “Fees” means the fees and charges applicable to the Services. “Financial Account” means the virtual prepaid access account that SPC or its Affiliates creates for a Stripe Treasury Accountholder as part of the Stripe Treasury Services. “Financial Account Transaction” means an Entry or other transaction in a Financial Account that adds to or subtracts from the Available Treasury Balance. “Financial Institution” has the meaning given to it in the GLBA. “Financial Partner” means an entity that provides financial services and with which a Stripe Entity interacts to provide the Services. “Financial Services Terms” means (a) the rules and terms a Financial Partner specifies that apply to that entity’s services; and (b) the PCI Standards. “Force Majeure Event” means an event beyond the control of a Stripe Entity, including (a) a strike or other labor dispute or labor shortage, stoppage or slowdown; (b) supply chain disruption; (c) embargo or blockade; (d) telecommunication breakdown, power outage or shortage; (e) inadequate transportation service or inability or delay in obtaining adequate supplies; (f) weather, earthquake, fire, flood, natural disaster or act of God; (g) riot, civil disorder, war, invasion, hostility (whether war is declared or not) or terrorism threat or act; (h) civil or government calamity; (i) epidemic, pandemic, state, national or international health crisis; and (j) Law or act of a Governmental Authority. “Forwarded Data” means payment card and transaction-related data that you forward using the Stripe Vault and Forward Services, including payment card transaction authorization and charge requests. “Fraud Disputability Assessment” means, with respect to a Card Transaction author…
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"metadata": { |
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Need Help? Tax ID: EIN 92-2648526 | Registered in AZ, USA This invoice was generated via Stripe for VIVIA CONNECT. Terms of Service: https://www.viviarentals.com/term-of-service For full account and invoice history, visit your VIVIA CONNECT dashboard. |
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{ |
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{ |
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"metadata": { |
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"metadata": { |
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"metadata": { |
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✅ 1. Accept Stripe Terms of Service 🏦 2. Provide an External Bank Account Routing number Account number Account holder’s name 🧾 3. Statement Descriptor Format: e.g. VIVIA RENTALS 8337289697 🌐 4. Business Website Example: https://vivia-connect-app.netlify.app 👤 5. Business Representative Name DOB SSN (last 4) Residential address Verification document (e.g. ID) 🏷️ 6. Industry Type 📞 7. Support Phone Number 📣 8. Public Business Details Business Name Product Description Support Email: [email protected] Support URL: https://viviarentals.com/support
Afterpay ACH Payouts Issuing Treasury Subscription Billing And more... ✅ What To Do Next |
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git tag v1.0.0 -m "Initial production release with Netlify OAuth + Stripe + Zillow integration" |
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git tag v2.1.0-beta.1 -m "Beta for Redfin + Rent.com endpoint proxy" |
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git push origin --tags |
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v[MAJOR].[MINOR].[PATCH][-PRERELEASE] |
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[ |
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{ |
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{ |
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✅ Site Links & Embedded Component Configuration Link: 👤 Account Management Link: 💸 Payouts Link: 💳 Payments Link: 📊 Balances Link: 📄 Documents Link: ⚙️ Stripe-Hosted Dashboard Note: |
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// File: /utils/syncGoogleWalletPass.js const GOOGLE_API_URL = 'https://walletobjects.googleapis.com/walletobjects/v1/eventTicketClass'; export async function syncWalletPassConfig() { try { |
✅ Summary of Notable Configuration Details
Feature | Value
-- | --
Issuer Name | VIVIA CONNECT
Class ID | viviarentals.rental_card
Status | active
Allow Multiple Users | true
Supported Locations | Rutherford, NJ & Minneapolis, MN (based on lat/long)
Visual Assets | Logo, hero image, and wordmark hosted on viviarentals.com
SmartTap Enabled | ✅ Yes
Redemption Issuer | 3388000000022888749 (used for SmartTap)
Callback & Update URLs | Points to your VIVIA API endpoints
Homepage Link | https://viviarentals.com
Modules | Image, link, text, and info modules defined
Notification | Payment reminder scheduled from May 28 to June 2, 2025
Event Data | Simulated ticketing structure for a June 1, 2025 event
📥 Next Steps You Can Take
📥 Next Steps You Can Take pgsql Checks for updates to this JSON Uses the Google Wallet REST API to PATCH/POST the data programmatically Expose Through Admin Dashboard Add Dynamic Values Reservation: #RES{{tenantId}} Message: “Your rent is due on {{dueDate}}” |
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// File: /pages/api/create-checkout-session.js const stripe = new Stripe(process.env.STRIPE_SECRET_KEY, { export default async function handler(req, res) { try { } catch (err) { |
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// File: /utils/facebook-syndication.js /**
export const generateSyndicationPayload = ({ listing }) => { export const renderFacebookBadge = (listingUrl) => |
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// File: /pages/api/stripe-webhook.js (Next.js API Route) const stripe = require('stripe')(process.env.STRIPE_SECRET_KEY); export const config = { const endpointSecret = process.env.STRIPE_WEBHOOK_SECRET; export default async function handler(req, res) { try { if (event.type.startsWith('issuing.cardholder.')) { } else { res.status(200).json({ received: true }); |
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{ |
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name: VIVIA RENTALS CI
on:
push:
branches: [ main ]
pull_request:
branches: [ main ]
jobs:
build:
runs-on: ubuntu-latest