End User License Agreement

End User License Agreement

Last Updated: June 12, 2026

This Agreement governs the access or use by you, an individual, of your Tapcheck Account and/or the Services. The Services are made available only in the United States and may only be accessed or used by you from within the United States. By registering for a Tapcheck Account and/or accessing or using the Services, you agree to be legally bound by and comply with this Agreement.

1. Definitions

Access Credentials – "Access Credentials" means the username and/or passwords or other means of accessing your Account or the Services. Account – "Account" means an active user service account available through Tapcheck. ACH– "ACH" means the Automated Clearing House network, which allows electronic payments between and among financial institutions. Agreement– Agreement means this Tapcheck End User License Agreement. Amendment Date – "Amendment Date" means the date on which this Agreement or policies on the Site are updated or revised, and which appears at the top of this Agreement. Application – "Application" means Tapcheck's mobile applications and websites, including all updates, new releases, and versions thereto. Available Balance – "Available Balance" means a maximum percentage of your then available estimated net earned wages for the pay period at the time of your request or a fixed daily maximum amount, each as may be agreed between Tapcheck and the applicable Employer Partner and that is displayed in the Application. Bank Account – "Bank Account" means an account (including a prepaid account) located at a bank or credit union that you link to your Account in connection with the Services. Debit Card– "Debit Card" means a debit card that you link to your Account in connection with the Services. Dispute(s) – "Dispute(s)" means any dispute or claim, relating in any way to your use of the Services, the Site, a product offered or provided by or through the Services, or otherwise arising out of or relating to this Agreement, the Services, your Account, or the Site. Employer Partner – "Employer Partner" means an employer who agrees to make Tapcheck and its Services available to its employees. EWT or Earned Wage Transaction – "EWT" means a request to obtain earned wages prior to payday made using the Services. Indemnified Parties – "Indemnified Parties" means Tapcheck, its subsidiaries, affiliates, licensors, content providers, suppliers, employees, contractors, officers, directors, and representatives. Laws – "Laws" means any law, rule, regulation, ordinance, code or order which governs or affects your use of the Services or under which you may exercise rights, including the NACHA Rules, and rules relating to electronic funds transfers, privacy and security, and any export laws and regulations of the United States, as any or all of the foregoing may be amended and in effect from time to time. MMS – "MMS" means Multimedia Messaging Service. NACHA Rules – "NACHA Rules" means the Operating Rules of the National Automated Clearing House Association. NAM– "NAM" means National Arbitration & Mediation. NAM Rules – "NAM Rules" means the NAM Comprehensive Dispute Resolution Rules and Procedures and the NAM Mass Filing Supplemental Dispute Resolution Rules and Procedures. Pay Period – "Pay Period" means the period of time during which you earn wages that are paid to you on any scheduled employer pay day. Qualified User(s) – "Qualified User(s)" shall have the meaning described in Section a of Paragraph 6, below. Services – "Services" means any Application, the Site, features, content, products, and services made available by Tapcheck. Site – "Site" means any or all pages or links owned or operated by Tapcheck, including, but not limited to, www.Tapcheck.com, as well as any Applications, and any Services accessed or used through the Site. SMS – "SMS" means Short Message Service. Tapcheck – "Tapcheck" means Tapcheck Inc. Third Party Account Information – "Third Party Account Information" means information concerning your employee profile, earned but unpaid net wages, your upcoming employment schedule, hours worked, and other information maintained by your employer or other third parties providing services to your employer. Website Terms – "Website Terms" refers to the Tapcheck Website Terms of Service available at Tapcheck Website Terms and which are incorporated into and made a part of this Agreement.

2. Privacy Policy, This Agreement, Website Terms, and Other Written Instructions

By registering for and/or accessing or using the Services, you confirm, acknowledge, and agree that you have read this Agreement and agree to be bound by it. If you do not agree or are not willing to be bound by the terms and conditions of this Agreement, you should not seek to obtain or use the Services and should delete the Application from your phone.

You also confirm, acknowledge, and agree that you have read and agree to be bound by Tapcheck's Privacy Policy and the Website Terms.

3. Changes to this Agreement

Tapcheck reserves the right to modify, change or replace the terms and conditions of this Agreement and its policies relating to the Services at any time, in its sole discretion. Tapcheck will post the revised Agreement or policies on the Site and update with the Amendment Date. Continuing to use the Services after the Amendment Date constitutes acceptance of the revised terms and conditions of this Agreement.

4. Description of the Services

The Services are a technology platform that enables Qualified Users of Tapcheck’s Application or Site to access their earned wages prior to payday. The Services are made available to you through a relationship established between Tapcheck and your employer. You agree to use the Services for personal use only and only for lawful purposes.

5. System Requirements

The Application is intended to run on most smart mobile phone devices. You must have a personal device that is compatible with the Application. Receiving and sending notifications and correspondences in real time using the Application requires a mobile data plan and an Internet connection. You are responsible for obtaining, maintaining, and ensuring compatibility with the Services of any equipment and ancillary services needed to connect to, access or otherwise use the Services.

6. Use of the Services

a. Qualified Users - Access and use of the Services is restricted to Qualified Users. To be a Qualified User, you must register for and maintain an Account; must be an employee in good standing with an Employer Partner; and may not be in breach of this Agreement.

b. Your Account - To create your Account, you must submit to Tapcheck certain personal information, create a username and password, and maintain accurate, complete and up-to-date Bank Account information.

c. Disbursements - As a Qualified User, you may request up to your Available Balance as displayed in the Services.

d. Other Limitations - Tapcheck cannot guarantee the timely delivery of funds. All calculations of net earned wages are estimates only.

e. Test Deposits - Tapcheck may process a test transaction for a nominal amount to validate and register your Bank Account.

f. EWT Confirmation and Payroll Deductions - Upon distribution of the EWT to your Bank Account, your employer will be notified that you have received the EWT, and deductions may occur from your paycheck.

g. Subsequent Deductions/Representment - If any applicable EWT is not successfully deducted, Tapcheck may instruct your employer to continue to attempt the deduction.

h. Revoking Authorization for Deductions and Debits - Your authorization for Tapcheck to deduct funds is valid indefinitely unless revoked as described.

7. Processing Fees

If you choose to have the EWT deposited into your Bank Account, you agree to processing fees outlined within this Agreement.

8. Your Representations and Warranties

You represent and warrant the following:

9. Cancellation, Interruption, Suspension, or Termination

You may cancel your Account at any time. Upon termination of your Account, you must immediately stop using the Services. All provisions of this Agreement which by their nature should survive termination shall survive termination.

10. Passwords and Security

You shall not give or make available your Access Credentials to any third party. You are responsible for any transactions performed with your Access Credentials.

11. Confidentiality

We will disclose information to third parties about your Tapcheck Account or the transfers you make as necessary to complete transactions or comply with government regulations.

12. Third Party Account Information

To provide the Services, you authorize Tapcheck to access and retrieve Third Party Account Information.

13. Authorization for ACH Debits and Credits

By requesting an EWT, you provide several ACH authorizations to Tapcheck.

14. Conduct

You are responsible for all activity in connection with the Services and must comply with all applicable Laws.

15. Service Updates

The Site and Services may be updated from time to time to improve functionality.

16. Warranty Disclaimer

THE SERVICES, YOUR ACCOUNT, AND THE SITE ARE PROVIDED "AS IS". TAPCHECK DISCLAIMS ALL WARRANTIES NOT EXPRESSLY SET OUT IN THIS AGREEMENT.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TAPCHECK, AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES.

18. Indemnity

You agree to indemnify and hold Indemnified Parties harmless from any claims arising from your use of the Services.

19. Governing Law and Jurisdiction

This Agreement shall be governed by the laws of the State of Delaware.

20. DISPUTE RESOLUTION

Disputes will be resolved by binding arbitration administered by NAM in accordance with the NAM Rules then in effect.

21. Notices

Tapcheck may give notice by any reasonable means.

22. Headings

Headings in this Agreement are for convenience only and do not affect its meaning.

23. No Waiver

No failure to enforce any provision of this Agreement shall constitute a waiver of any other provision.

24. Severability

If any provision is held illegal, invalid or unenforceable, the remainder of this Agreement will remain in effect.

25. Assignment

You may not assign your rights under this Agreement without Tapcheck's prior written consent.

26. Force Majeure

Tapcheck shall not be liable for delays due to causes beyond its reasonable control.

27. Entire Agreement

This Agreement constitutes the entire agreement between the parties.

28. Third Party Beneficiaries

Each of the Indemnified Parties is an intended third-party beneficiary of this Agreement.

29. Miscellaneous

No joint venture or agency relationship exists between you and Tapcheck due to this Agreement.

30. Electronic Communications

You consent to receive communications from Tapcheck electronically.

31. Monitoring and Recording of Communications

Your use of the Services may be monitored and recorded.

32. Communications by Phone

You agree to receive transactional and marketing communications from Tapcheck by phone.

33. Notice to Connecticut Residents

Connecticut residents may contact the Connecticut Department of Banking for comments or concerns regarding Tapcheck.