This is what you will need:

A valid Driver's License
A checking account
A working email address
A Ricker's Reward Card

Authorization: By checking this box and submitting this information, I confirm that I am at least 18 years old and have read and agree to the Enrollment Terms and Conditions. I authorize ZipLine to debit or credit the enrolled account that I use with my payment card. I authorize the listed payee, when the payment card is used for purchases, to debit my account for the amount indicated in the tender amount of my payment transaction. In the unlikely event this transaction (for the amount tendered) is returned unpaid, I agree that a return fee will be collected by the same electronic means mirroring fines permitted by State laws.

NOTE: You may also incur separate fees from your Financial Institution (Bank) for returned transactions. Because of this, we highly recommend that you have Overdraft Protection on your checking account to avoid additional return fees when using this card.

I acknowledge that I have voluntarily provided certain information to ZipLine in order to participate in this program. I further acknowledge that, by authorizing this enrollment, the checking account that I am providing has sufficient funds that will not allow the bank validation process to go negative and that the account is owned by me and is a valid account to transact business in the USA.

Thank you for enrolling in the ZipLine Payment Program!

Safer than a credit card, as convenient as your bank debit card.

IMPORTANT Next Steps:

Please check your email. Your enrollment information will be verified by ZipLine and an email with specific instructions will be sent to the email address you provided at enrollment time. Please note that this new payment method is not active until you follow the instructions in the email you will be receiving shortly.
Check your email filter. Please ensure that your email service does NOT filter our emails as spam or junk. You will need to allow system emails from zipline.biz and nationalpaymentcard.com into your inbox for information about this program.
Please remember your enrolled PIN. You will need your PIN / User ID to conduct transactions using this new payment method.

Please call Customer Service at 1-877-403-2222 if you do not receive our Welcome and Verification emails or to validate by phone.

ZipLine adheres to NACHA rules regarding consumers' privacy. Your information is secured and protected. Read our Privacy Policy

Special Notice: Read important customer disclosure here.

When your enrollment concluded, ZipLine made a small deposit and a small withdrawal to the bank account you provided.

The amount of deposit and the amount of withdrawal are included on your bank account activity and are identified as an ACH deposit and withdrawal under the name ZipLine. You will need these deposit and withdrawal amounts to complete your activation.

ALL fields are required.

PIN number:

Amount of deposit:

$ •

Amount of withdrawal:

$ •

What is a payment card account?

A payment card account is a loyalty/rewards card or smart phone mobile application that has been authorized to conduct an ACH debit transaction. It is a form of an electronic check with a secured User ID (PIN) for verification and security. You link your bank account to the payment card or mobile app and use it for payment at participating locations.

Is my information secure?

The security of your data is very important to our business. Except for providing information to participating merchants, we do not resell or disclose any information to a third party. The data you have provided is required to enable us to verify and link your information to your payment card account to be able to perform ACH debit transactions. Your enrollment data is kept safe in our secured database servers. All bank information and PIN's are encrypted as soon as your enrollment is submitted.

How is my payment card account used for payment?

ZipLine (NPCA) has technology that enables you to link your checking account and a Personal Identification Number (PIN) with your payment card account so you can pay for goods and services at participating merchants' businesses. Once you activate your account, you may use your card or mobile app (where applicable) as your method of payment. An ACH debit transaction, for your total transaction amount, will be submitted to your bank account within the next three (3) business days.

Can I have multiple payment cards use the same checking account?

Yes. If you attained your original card from your local store, please pick up another card and call us to have it added to your existing payment card account.

If your original card was mailed to you by your local merchant, please call us to request that additional card(s) be mailed to you.

Why do you need my driver license information?

Your participating merchant wants to provide you with a convenient way of paying for gas at a lesser price and also to pay for items inside their store. It is important to recognize that you are issuing an electronic check when you use the payment card account for payment. This is no different than writing a check at the supermarket and being asked to show your driver license as an ID.

When you enroll in the program you voluntarily provide certain information to ZipLine (NPCA) in order to participate in this program. No information will be taken from the magnetic stripe on your driver license to create a database and the driver license will be used only to verify your identity as a participant in the program.

Why do you require the last four digits of my social security number with enrollment?

When you enroll in the program, the last four digits of the social security number are used for: identity verification purposes (in addition to the other information you provided during enrollment), an account security question and to protect you against fraud.

The security of your data is very important to our business. Except for providing pertinent information to the participating merchant, we do not resell or disclose any information to a third party. Your enrollment data is kept safe in our secured database servers. This information is encrypted as soon as your enrollment is submitted.

Why use an ACH payment card account rather than a regular debit card?

Debit cards and credit cards are forms of payment that carry large merchant fees from the banking and credit card industry. These charges are transparent to the consumer. However, these charges limit the ability of the merchant to pass rewards directly to you. The payment card program allows merchants to pay lower processing fees for these ACH transactions which enable them to reward you.

Why are you able to reward me for using this payment method?

When you choose to use this form of payment, the merchant is able to pass the rewards to you. Retailers operate on low margins and a high cost of their operation is the credit/debit card merchant fees. When you use a credit/debit card at the station, the merchant pays about 2% of the amount you spend to the credit/debit card company. That is expensive for the retailer.

Since most gas stations are not equipped with the technology to accept a check, and consumers are not carrying checks when they go to the station, payment by check is not practical. However, in essence, the ACH payment account is an electronic check which you authorize to electronically debit your bank account.

The retailers would rather reward you directly than pay the higher cost to the credit/debit card companies. It is a WIN/WIN for both you and the retailer at whose business the transaction and the exchange of goods takes place.

How does the enrollment bonus work (if applicable)?

Depending on the merchant, you may be eligible for an additional reward upon enrolling in the program. The enrollment bonus period starts when you enroll in the program so it is best to verify and activate your account as quickly as possible. You will receive your normal rollback discount at the pump; however, the promotional discount will be awarded at the time that we submit the debit to your account.

What is an ACH debit transaction?

The Automated Clearing House (ACH) Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA Operating Rules that provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH transaction entries.

An ACH debit is also known as an electronic check transaction. There is a slight delay in processing these types of transactions to bank accounts. Think of it as writing a check, but it happens electronically. These types of transactions typically take 1 - 3 business days to post to your bank account.

Examples of ACH payments include:

Direct deposit of payroll, tax refunds, Social Security and other government benefits
Direct payment of consumer bills such as mortgages, loans, utility bills and insurance premiums
Business-to-business payments
E-checks
E-commerce payments and Federal, state, and local tax payments

How long does it take for the payment card account to become active?

Once you have enrolled, the information that you provided will undergo a bank validation process. This process could take up to three (3) business days after the enrollment date. You will be notified of the activation step and program details through subsequent email messages. You are responsible for completing the bank verification step in order to activate the account. This step requires you to confirm two small test transactions that we post to your bank account for verification purposes.

I saw a small deposit and small withdrawal in my bank account, what is this?

ZipLine (NPCA) validates your enrolled bank account information to ensure that we have the correct account number, the account is open, and most importantly that the account belongs to YOU. We do so by submitting a deposit and withdrawal to your bank account. These "challenge" transactions are a test to confirm the validity of the account. The enrolled payment card account is not activated until this bank verification process is completed. You must confirm these two amounts once they appear in your account. A "Verification" email will be sent to you, upon enrollment, which explains this activation process.

Is this USER ID/PIN the same as my current Bank Account PIN number?

No. The User ID (PIN) that you select can be any 4-digit number and does not have to be the same as the current PIN that you use with your ATM or Web ID to your bank account. It is important to remember your PIN in order to use this method of payment.

Are there any fees to enroll or to use this payment method?

Currently, there is not an enrollment fee and we do not charge a fee to the consumer for the use of your payment card account. Your payment card account may be subject to an annual maintenance fee which would be properly disclosed at enrollment and/or prior to any fee amount being debited from your bank account. Also, your bank may charge fees relating to the ACH withdrawal of money from your checking account. Check with your bank for specific details. We do, however, charge a Return Fee in the event that your bank returns a transaction unpaid. For this reason, we recommend that you have Overdraft Protection on the account used for your payment card transactions to potentially avoid additional return fees.

Do I get charged by my bank for an ACH transaction?

Most banks do not charge for ACH transactions submitted to a CHECKING account. This is the same method that is currently used for paying mortgage payments, car payments and any authorized debits from your bank account. It is possible that some banks may charge a monthly fee for such services so please check with your bank for details. Charges will apply from your bank and from ZipLine (NPCA) if your transaction is returned as unpaid (NSF, Account Closed/Frozen, etc.). Our return fee will be the maximum amount permissible by state law. This fee is separate from any fees that your bank may impose for such returns. We recommend that you have Overdraft Protection on the account used for your payment card account transactions.

If I conduct a transaction and I do not have sufficient funds in my account, what will happen?

First, you should not conduct a transaction if you are aware that you do not have sufficient funds to cover the face amount of the transaction. If you do, the transaction will be returned by your bank and your card will be deactivated until you make good on your purchase. Returned transactions also result in a "Return Fee" permissible by state laws. ZipLine (NPCA), or CHECKredi, will try to electronically collect the face amount of the transaction and the associated Return Fee on two attempts. I agree and authorize CHECKredi to contact me by U.S. mail, at my residence phone number, place of employment phone number and cellular phone number by means of a telephone call, a dialer or a text for the purpose of collections. I also agree to receive email communications from CHECKredi regarding my returned items for the purpose of collections. In the event that the company cannot collect through normal electronic means, your account will be flagged and referred to a collection service and your membership may be cancelled. We recommend that you have Overdraft Protection on the account used for your payment card account transactions to avoid additional return fees. By having Overdraft Protection with your bank, you may avoid our fees for any returned transactions.

How much of a reward will I receive for using this payment method?

The reward offered is determined by each participating location. Each location may offer various discounts and/or points. The rewards offered may also vary from the amount at the time of your enrollment. Rewards are subject to change without notice by location and at the merchant's discretion.

Where do I get the mobile app?

If your merchant offers mobile payment, you may download their mobile app from the appropriate app store. Please refer to the merchant website for mobile apps.

Where can I use my payment card or mobile app as payment?

At participating locations, where your specific payment card account is accepted as a form of payment. You may access the participating locations from the merchants' enrollment website for your specific payment card program.

Are there any limits on my payment card account?

YES. Transaction velocity/usage limits vary by merchant and are disclosed in the "Welcome" email that you receive upon enrollment into the program.

I lost my payment card, what do I do?

You should log into the member website at www.npcmember.com, or the member link provided on your merchants website, to report your lost/stolen card. This will immediately deactivate the card. Depending on your specific card program, you may pick up a new card at a participating location and call Customer Service at 877-403-2222 to have the replacement card added to your account.

How do I change my PIN/User ID?

You may change your PIN by logging into our website at www.npcmember.com or the member link provided on your merchants website. You will need to click on your card/mobile number then select the Update My PIN option. If you forgot your PIN, click on the "Forgot PIN?" link at member login screen. A temporary PIN email will be sent to you with explicit instructions for resetting your PIN.

The magnetic stripe on my card is worn and does not work, what can I do?

It will be necessary to replace your payment card if the magnetic stripe does not work. If you picked up your original card at a store location, you will need to pick up a new card and call Customer Service at 877-403-2222 to add the new card and turn off the damaged card. If your card was mailed to you, please contact us to request a replacement card be mailed out.

Why is an email address required?

Our system relies on email communication to all customers. The important activation step is emailed to you upon enrollment into the program. You will also receive a friendly reminder email for each purchase that you make using your payment card account. Your email address also becomes your login to our member website where you can manage your payment card account information, view your transaction activity and/or change your PIN if needed.

This policy was last updated on

1/4/2017

PRIVACY POLICY - YOUR PRIVACY RIGHTS

Last Updated: June 20, 2023

SCOPE

This Privacy Policy (“Policy”) describes how National Payment Card Association dba ZipLine (“ZipLine,” “we,” or “us”), a PDI Technologies company, treats personal information we collect about you through our websites, applications, and platforms where the Policy is located (the “Platform”).

Please note that this Policy applies only to ZipLine enrollment data as described here. It does not apply to other loyalty program data or personal information that you have provided to one of our customers or a third party. For more information on how our customers (including those who operate a payment program in which you are participating) (the “Customer”) may treat the personal information that you provide to them, please review the respective Customer’s privacy policy.

This Platform is operated in the United States and intended for use by individuals who are located in the United States. By using our Platform or by choosing to give us personal information, you signify your consent to this Privacy Policy. If you do not agree with any terms of this Privacy Policy, please do not use the Platform, and do not give us any personal information. If you are a resident of California, click here to view our California Privacy Notice.

TYPES OF PERSONAL INFORMATION WE COLLECT

ZipLine collects personal information from you and about you. Here are some examples of the personal information we may collect:

Identifying Information. For example, we may collect your name, address, unique personal identifiers, online identifiers, telephone number and email address. We may also collect your mobile phone number.

Account Information. If you create an account on our Platform, we may collect your account log-in, password, and loyalty account number. We will also collect your date of birth, driver’s license number, and last four digits of your Social Security number.

Financial Account Information. When you choose to link an account, we, through our vendor, will collect information necessary to link your financial account to your ZipLine account. This will include, at least, your financial account number.

Commercial Information. We may collect personal information that could identify you and relates to the services in which you are interested or have considered. We may also collect personal information about your consuming history or tendencies.

Transaction Information. When may collect information relating to transactions through your linked card. This may include the location and amount of a transaction.

Information You Post or Submit. We may collect personal information that you submit when you contact our customer service team.

Demographic Information. We may collect demographic information such as your birthdate, age, and zip/postal code. We may also collect your race and gender.

Device Information. For example, we may collect the type of device you use to access our Platform. We may also collect your browser information, device identifier, IP address or operating system type.

Usage Information. For example, we may collect information about how you use our products or services. This includes collecting information about your interactions with the Platform.

Location Information. For example, we may collect information about the city or state where you are located. We may also collect geographic information based on your IP address. When you use the mobile application, we may also collect your precise location, including through GPS.

Internet Information. If you use our website, we may collect information about the browser you are using or your browsing or search history. We might look at what site you came from, or what site you visit when you leave us. We may also collect information about how you interact with an advertisement.

HOW WE COLLECT YOUR PERSONAL INFORMATION

ZipLine collects your personal information in different ways. Below are some examples of how we may collect your personal information.

Directly From You. For example, when you:
- Register for an account.
- Link a financial account.
- Complete a transaction with your linked card.
- Request information about our services.
- Sign up to receive promotional communications or a newsletter.
- Complete a survey.
- Submit information to, or through, our Platform.
- Submit a request to, or engage with, our customer service team.
- Interact with our social media pages.
- Apply for a job through our Platform.
- Otherwise interact with us.
Passively. For example, when you visit and navigate our Platform on any device. We may also collect information about users over time and across different websites and devices when you use the Platform.

From Third Parties. We may receive personal information about you from other sources. For example, this may include receiving personal information from:
- Our business partners, including online advertising networks, analytics vendors, enrollment and validation vendors, and third parties that promote our products via their own platforms.
- Our customers.
- Social media sites or job posting sites, including Facebook, Twitter, Snapchat, TikTok, LinkedIn, Pinterest, Glassdoor, YouTube and Instagram.

HOW WE USE YOUR PERSONAL INFORMATION

Examples of how we may use your personal information include:

To Provide Our Products and Services. This could include fulfilling your requests for products and services. It also includes using your information to process transactions linked to your account and to provide you with rewards.

To Improve Our Products and Services. We may use your personal information to make our Platform, products and services better. We may also use your personal information to customize your experience with us.

To Understand Your Interests. For example, we may use your personal information to better understand what interests you.

To Respond to Your Requests or Questions. This may include responding to your feedback or notifying you if you win a promotion.

To Communicate With You. We may communicate with you about your account or our relationship. We may also contact you about this Policy or our Platform terms and conditions.

To Determine Your Eligibility. We may use your personal information to verify your identity or determine your eligibility for some of our services or promotions. For example, this may include verifying your age, date of birth and state of residence.

For Marketing Purposes. We may provide you with information about new products and special offers. We might use your personal information to serve you ads about our offers. These might be offers or communications on behalf of our customers that we think may be relevant to you. We may also use your personal information to send you electronic communications, including through email or text message. For more information about your choices related to these communications, see the Choices Regarding Your Information section below.

For Security Purposes. This could include protecting our company and consumers who use our services. It may also include protecting our Platform or investigating a potential fraud.

As Otherwise Permitted or Required By Law or As We May Notify You. This includes using your information for our legitimate business needs.

As Requested Or Directed By You.

HOW WE SHARE YOUR PERSONAL INFORMATION

We may share your personal information in the following ways:

Internally. We may share your personal information with our affiliates and subsidiaries for the purposes described in this Policy. This may include sharing information with other entities within the PDI family of companies (e.g., PDI, FuelRewards, GasBuddy, etc.).

On Our Platform. For example, we may publicly display personal information you post on our social media sites or submit through our customer reviews feature. We may also display information you submit in connection with a promotion.

With Our Service Providers. We may share your personal information with third parties who perform services on our behalf. For example, this may include merchandise vendors. It may also include companies that send emails on our behalf or help us run our Platform. This includes vendors, such as RIBBIT or Giact, that help validate enrollment information and retrieve bank account information. It also includes vendors, such as CHECKRedi, that conduct collections on our behalf.

With Our Customers. We may share your personal information and transaction data with the customer (e.g., a retailer or business) linked to your loyalty account.

With Any Successors to All or Part of Our Business or One of Our Brands. For example, this may occur if ZipLine merges with, is acquired by, or sells a brand or part of its business to another business entity. This may include an asset sale, corporate reorganization or other change of control. We may sell or transfer our customer personal information as an asset or as part of a larger transaction action.

To Comply With the Law or To Protect Ourselves. For example, this could include responding to a court order or subpoena. It could also include sharing personal information if a government agency or investigatory body requests. We might share personal information when we are investigating a potential fraud.

As Requested Or Directed By You. This may include instances where you ask us to share your personal information with a third party, including a marketing vendor.

For Other Reasons We May Describe to You At the Time of Collection.

CHILDREN UNDER 18

The Platform where this Policy is located is meant for adults. We do not knowingly collect personally identifiable data from persons under the age of 18, and strive to comply with the provisions of COPPA (the Children’s Online Privacy Protection Act). If you are a parent or legal guardian and think your child under 18 has provided us with personal information, please contact us at paymentmembersupport@pditechnologies.com. You can also write to us at the address listed at the end of this website Policy. Please mark your inquiries “COPPA Information Request.” Parents, you can learn more about how to protect children’s privacy on-line here.

CALIFORNIA PRIVACY NOTICE

Last Updated: June 20, 2023

The California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), requires us to make specific disclosures about how we collect, use, disclose the personal information (“PI”) of California residents who are subject to CCPA. CCPA also grants such California residents certain rights related to their PI. This section describes our PI practices offline and online, and contains these required disclosures and instructions for California residents who wish to exercise their rights under CCPA.

The chart below provides a description of the types of PI we collect. It also describes the business or commercial purpose(s) for which we collect, use and disclose PI, and the categories of third parties with whom we have shared or sold each type of PI in the past twelve (12) months. Below the chart, we have outlined the criteria we use to determine how long such PI will be retained. We may collect the categories of PI described in the chart as described in the “HOW DO WE COLLECT YOUR INFORMATION” section of our Policy. We may share PI we collect as described in the “HOW DO WE SHARE YOUR INFORMATION?” section of this Policy.

CCPA contains specific definitions for “sharing” PI and “selling” PI. These definitions only apply to this California Privacy Notice, and do not apply to the rest of our Privacy Policy. “Share” or “sharing” means, in short, sharing PI for cross-contextual advertising purposes. “Sale” or “selling” is defined very broadly and includes the disclosure of PI for monetary or valuable consideration. Note that as of the date of the Policy, we do not knowingly “share” PI and we do not “sell” or “share” PI of consumers under the age of 16 years. This statement is based on our understanding of how these terms are defined under CCPA.

Category of PI	Purposes for Collection, Use and Disclosure	Third Parties to Whom We Have Sold or Shared PI in Past 12 Months
Identifiers, such as name, mailing or billing address, unique personal identifier, online identifier, IP address, email address, phone number, signature, physical characteristics or description, etc.	Provide, maintain and improve our Platform Provide and deliver the products and services you request Process transactions and send you related information Send you technical notices, updates, security alerts and support and administrative messages Respond to your comments, questions and requests and provide customer service Communicate with you about products, services, offers, promotions, and rewards Provide news and information we think will be of interest to you Monitor and analyze trends, usage and activities in connection with our Platform Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Personalize and improve the Platform Facilitate and moderate customer surveys Provide advertisements, content or features that match user profiles or interests Link or combine with information we get from others to help understand your needs and provide you with better service Carry out any other purpose as permitted by law or as described to you at the time the information was collected	The retailer sponsoring a payments program in which you have enrolled. The retailer sponsoring a loyalty program in which you have enrolled.
Government identification numbers, such as Social Security number, driver’s license or state identification number, passport number, military identification number, tribal identification number, etc.	Provide, maintain and improve our Platform To create and validate your account Provide and deliver the products and services you request Respond to your comments, questions and requests and provide customer service Communicate with you about products, services, offers, promotions, and rewards Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Carry out any other purpose as permitted by law or as described to you at the time the information was collected	The retailer sponsoring a payments program in which you have enrolled The retailer sponsoring a loyalty program in which you have enrolled.
Financial information, such as credit or debit card number, checking or savings routing or account number, etc.	Provide, maintain and improve our Platform Provide and deliver the products and services you request, including linking your financial accounts with your ZipLine account Respond to your comments, questions and requests and provide customer service Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Provide advertisements, content or features that match user profiles or interests Link loyalty cards and provide payment services Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A
Transaction Data, such as credit card number used to make a purchase, the amount of a transaction, the time and location of a transaction, etc.	Provide, maintain and improve our Platform Process transactions and send you related information Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Carry out any other purpose as permitted by law or as described to you at the time the information was collected	Retailers with whom you have enrolled in a payments program. Retailer with whom you have enrolled in a loyalty program.
Protected classification characteristics under California or federal law (e.g., age)	Provide and deliver the products and services you request Process transactions and send you related information Verify your eligibility for our products and services Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Personalize and improve the Platform Provide advertisements, content or features that match user profiles or interests Link or combine with information we get from others to help understand your needs and provide you with better service Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A
Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)	Provide, maintain and improve our Platform Provide and deliver the products and services you request Respond to your comments, questions and requests and provide customer service Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Provide advertisements, content or features that match user profiles or interests Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A
Biometric information (e.g., imagery of the iris, retina, face, , and voice recordings from which an identifier template can be extracted)	Provide and deliver the products and services you request Process transactions and send you related information Verify your identity and your eligibility for our products and services Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Personalize and improve the Platform Provide advertisements, content or features that match user profiles or interests Link or combine with information we get from others to help understand your needs and provide you with better service Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A
Internet or other similar network activity (e.g., browsing history, search history, and information regarding interaction with an Internet website, application, or advertisement)	Provide, maintain and improve our Platform Monitor and analyze trends, usage and activities in connection with our Platform Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Provide advertisements, content or features that match user profiles or interests Link or combine with information we get from others to help understand your needs and provide you with better service Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A
Geolocation data (e.g., physical location or movements)	Provide and deliver the products and services you request Process transactions and send you related information Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Personalize and improve the Platform Link or combine with information we get from others to help understand your needs and provide you with better service Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A
Sensory data (e.g., audio recordings or similar information)	Provide and deliver the products and services you request Process transactions and send you related information Perform customer service Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Personalize and improve the Platform Link or combine with information we get from others to help understand your needs and provide you with better service Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A
Inferences drawn from other personal information (e.g., a profile relating to a consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitude)	Provide, maintain and improve our Platform Communicate with you about products, services, offers, promotions, and rewards Provide news and information we think will be of interest to you Monitor and analyze trends, usage and activities in connection with our Platform Fulfill our legal obligations, detect, investigate and prevent fraudulent transactions and other illegal activities, and protect the rights and property of ZipLine, PDI, and others Provide advertisements, content or features that match user profiles or interests Link or combine with information we get from others to help understand your needs and provide you with better service Carry out any other purpose as permitted by law or as described to you at the time the information was collected	N/A

Our PI retention criteria: CCPA requires that we disclose the criteria we use to determine how long we will retain each category of PI in the chart above. Oftentimes, our records contain several of these categories of PI combined together and therefore we consider, on a case-by-case basis, a number of factors to assess how long PI is retained. These factors include what PI is reasonably necessary to (i) provide our products and services or administer our relationship with a consumer; (ii) protect our business, employees, organization and others; (iii) fulfill our legal and regulatory obligations; and (iv) investigate and address issues which may include safety concerns, potential security incidents or policy violations.

Disclosures for Business Purposes: In the past twelve (12) months, we have disclosed each of the categories of PI identified in the chart above for “business purposes,” as defined in CCPA. Other than has described in the chart above, we have not disclosed this information to third parties (e.g., non-service providers) in the past 12 months other than as directed by you or with your consent.

California resident rights under CCPA. Subject to certain exclusions included in CCPA, and as relevant to our operations, California residents have the rights listed below with respect to the PI that we maintain about them. We may take steps to verify your identity, as permitted or required under CCPA, before we process your request. Verification may include asking you to provide information about yourself that we can match against information already in our possession.

Notice. This means that you can request that we disclose what PI we have collected about you, including the categories of PI, the categories of sources from which the PI is collected, the business or commercial purpose for collecting, selling, or sharing PI, the categories of third parties to whom we have disclosed PI, and the specific pieces of PI we have collected about the consumer.

Deletion. This means that you can request that we delete PI about you which we have collected from you.

Correction. This means that you can request that we correct inaccurate PI that we maintain about you.

Opt-Out of Sale or Sharing of PI. CCPA provides a right to opt out of the “sale” or “sharing” of PI. Note that as of the date of this Policy, we do not knowingly “share” PI, including the PI of consumers under the age of 16 years. We may “sell” PI as outlined in the chart above. This statement is based on our understanding of how these terms are defined under CCPA. If you would like to opt-out of allowing us to “sell” your PI, please follow the instructions below.

Limit the Use or Disclosure of Sensitive PI. The CCPA provides a right for consumers to request that business limit the use or disclosure of their “sensitive” PI. In our normal business operations, we do not process “sensitive PI” other than as necessary to provide our services to you.

Right to Non-Discrimination. This means that we are prohibited from discriminating against you if you exercise your rights under CCPA

California residents who wish to exercise their rights under this section can contact us at paymentmembersupport@pditechnologies.com. Please include your name, email address and address and indicate you are a California resident making a “CCPA” request.
Agents. Agents that you have authorized to act on your behalf may also submit CCPA requests as instructed above. The agent must also provide evidence that they have your written permission to submit a request on your behalf. If we are unable to verify the authenticity of a request, we may ask you for more information or may deny the request.

Additional Information about your California Rights. If you reside in California, you have the right to ask us one time each year if we have shared PI with third parties for their direct marketing purposes. To make a request, please send us an email at paymentmembersupport@pditechnologies.com. Indicate in your email or letter that you are a California resident making a “California Shine the Light” inquiry.

CHOICES REGARDING YOUR INFORMATION

You have certain choices about how we use your personal information. Certain choices you make are browser and device specific.

Marketing Communications:

You can opt out of receiving our marketing communications. Note that you may still receive transactional messages from us, including information about your account and responses to your inquiries. To opt out of receiving our marketing communications, you can follow the instructions contained in the communication.

Cookies & Other Tracking Technologies:

Cookies: You can adjust your browser to control cookies to require your affirmative acceptance for new cookies, automatically reject cookies and/or delete or disable existing cookies. How you do so depends on the type of cookie and the browser that you are using. For more information on how to control browser cookies, click here. If information about your browser is not available through this page, please search your browser for instructions about how to opt-out of cookie collection.

Flash Cookies: You may need to take an additional action to manage flash cookies, which you can learn more about here. Why? Because flash cookies cannot be controlled through your browser settings.

Google Analytics: We may use Google Analytics on our Platform to help us understand how you use our Platform. You can learn about how to opt-out of Google Analytics here.

Facebook: We may use Facebook cookies to target ads to you. You can learn about how to opt-out of receiving targeted advertisements from Facebook here.

Email Tools: You can also change your email settings to block the automatic download of images in email messages, as such images may contain technologies that help us understand how you interact with the message.

Note that deleting or blocking cookies may impact your experience on our website, as some features may not be available. Certain options you select are browser and device specific.

Our Do Not Track Policy:

Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. If you block cookies, certain features on our sites may not work. If you block or reject cookies, not all of the tracking described here will stop.

Options you select are browser and device specific.

Virginia Privacy Rights:

If you are a Virginia resident, you may have the right under the Virginia Consumer Data Protection Act (“VCDPA”) to request that we:

Confirm whether or not we are processing your personal information and provide access such personal information.
Correct inaccuracies in your personal information, taking into account the nature of the personal information and the purposes of the processing of your personal information.
Delete personal information provided to us by or obtained by us about you.
Provide you with a copy of your personal information that you previously provided to us in a portable and, to the extent technically feasible, readily usable format.
Provide a method for you to opt-out of the processing of your personal information for purposes of online behavioral advertising, the sale of your personal information, as the term “sale” is defined under the VCDPA, or profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. Note that we may “sell” personal information to retailers sponsoring a payments program and / or loyalty program in which you have enrolled for the purpose of permitting the retailer to market its products or services or to allow them to reconcile payment obligations and administer their loyalty programs. As of the date of this policy, we do not, and for the past 12-months have not, otherwise “sold” personal information as this term is defined under VCDPA.

Nevada Privacy Rights:

If you are a Nevada resident, under Privacy and Security of Personal Information Chapter of the Nevada Revised Statutes Section 603A (“603A”), you have the right to submit a verified request to us, directing us not to make any sale of certain “personal information” as defined under this law that we have collected or will collect about you. Note that we may “sell” personal information to retailers sponsoring a payments program and / or loyalty program in which you have enrolled for the purpose of permitting the retailer to market its products or services or to allow them to reconcile payment obligations and administer their loyalty programs. As of the date of this policy, we do not, and for the past 12-months have not, otherwise “sold” personal information as this term is defined under 603A.

If you wish to exercise your Virginia or Nevada rights under this section, you can contact us at paymentmembersupport@pditechnologies.com. Please include your name, email address, and state of residence and indicate you “Privacy Rights” request. We will take commercially reasonable efforts to authenticate any requests that you submit. If we deny your privacy request and you wish to appeal our decision, you may contact us at paymentmembersupport@pditechnologies.com.

SECURITY

The Internet is not 100% secure. We cannot promise that your use of our Platform will be completely safe. We encourage you to use caution when using the Internet. We use physical, technical, and organizational means to help safeguard personal information under our control. A username and password are needed to access certain areas of the Platform. It is your responsibility to protect your username and password. Personal Information may be accessed by persons within our organization, or our third-party service providers, who require such access to carry out the purposes described in this Privacy Policy, or otherwise permitted or required by applicable law.

LINKS

Our Platform may contain links to other third-party sites that are not governed by this Policy. This includes third-party sites that offer resources and content which you can access through our Platform. If you click on a link to a third-party site, you will be taken to a site we do not control. We are not responsible for the privacy practices used by third-party sites. We suggest that you read the privacy policies of those sites carefully.

HOW TO CONTACT US

If you have any questions, comments or concerns with respect to our privacy practices or this Policy, or wish to update your information, please feel free to contact us at paymentmembersupport@pditechnologies.com. You may also write to us at the following address:

          ZipLine
          Attn: Customer Service
          300 Lock Road, Suite 202
          Deerfield Beach, FL 33442

CHANGES IN POLICY

From time to time, we may change this Privacy Policy. We will notify you of any material changes to this policy as required by law. We will also post an updated copy on our Platform. Please check our Platform periodically for updates. Your continued access to and/or use of our Platform after any such changes constitutes your acceptance of, and agreement to this Privacy Policy, as revised.

Rewards Terms

Effective Date: July 14, 2021

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING OR PARTICIPATING IN THE REWARDS PROGRAM, YOU AGREE TO BE BOUND BY THESE TERMS OF USE AND ALL TERMS INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT PARTICIPATE IN THE REWARDS PROGRAM.

These Terms of Use apply to your access to, and participation in, the rewards program which is operated by National Payment Card Association dba ZipLine (the "Rewards Program"), or its respective licensees and affiliated companies (collectively, "We/Us") in the United States ("Territory of Participation"). These Terms of Use do not alter in any way the terms or conditions of any other agreement you may have with us for other products and services, such as store branded cards. We reserve the right to change, modify and/or eliminate Rewards and/or all or any portion of these Terms of Use or any policy, FAQ, or guideline pertaining to the Rewards Program at any time and in its sole discretion. Any changes or modifications will be effective immediately upon posting the revisions to www.ZipLine.biz, and you waive any right you may have to receive specific notice of such changes or modifications. Your participation in the Rewards Program confirms your acceptance of these Terms of Use and any such changes or modifications; therefore, you should review these Terms of Use and applicable policies and FAQs frequently to understand the terms and conditions that apply to the Rewards Program. If you do not agree to the Terms of Use, you must stop participating in the Rewards Program.

The Rewards Program is intended for personal use only. Commercial use is prohibited. This Rewards Program is not targeted towards, nor intended for use by, anyone under the age of 18.

Please read the Privacy Statement carefully to understand how we collect, use and disclose information about consumers and how to update or change your personal information and how we communicate with you.

The Rewards Program is one way in which we endeavor to reward and thank loyal customers for patronizing participating business partners and purchasing products. Members of the Rewards program are able to earn "rewards" to be redeemed at participating locations in the Territory of Participation ("Rewards"). Visit the participating partners' respective apps and/or websites to find the location nearest you where you can earn and redeem Rewards.

JOINING THE REWARDS PROGRAM

You can enroll in the Rewards Program either online at www.zipline.biz; or through the app available in the App Store and/or Google Play.

The enrollment process may require that you provide the following information: name, password, email address (required in order to receive all eligible Rewards), physical address, telephone number, card number, birthday, and marketing preferences. All of your cards and apps can be activated and registered for use in the Rewards Program, but you may only have one (1) account that is personal to you.

If you change your account address to one that is outside the Territory of Participation, your account will be inactivated. You will no longer be able to earn, receive or redeem Rewards.

EARNING REWARDS

You can earn Rewards by making purchases using any card or app registered to your Rewards Program account at participating stores in the Territory of Participation.

Please visit the website and/or app of our participating partners to determine how you will earn Rewards.

Generally, credit for qualifying purchases from participating stores are automatically added to your account within one (1) hour. From time to time, we, or others acting with our permission, may offer you special promotions that offer you "Targeted Offers." Such offers will be awarded as described in the applicable promotional offer and will be subject to any additional terms set forth in the promotional offer.

If you void a purchase made, or return a prior purchase, we may deduct the credits that you were awarded for that purchase.

Miscellaneous

There are no membership fees associated with the Rewards Program. Credits accumulated under the program are promotional and have no cash value.

Your Rewards, registered cards and apps, and your account under the Rewards Program are personal to you and may not be sold, transferred or assigned to, or shared with family, friends or others.

Without notice to you, we reserve the right to suspend any card or app and/or terminate your account and/or your participation in the Rewards Program if we determine in our sole and absolute discretion that you have violated these Terms of Use, you have more than one (1) account, or that the use of your account is unauthorized, deceptive, fraudulent or otherwise unlawful. We may, in our sole discretion, suspend, cancel or combine accounts that appear to be duplicative. In the event that your participation in the Rewards Program is terminated, all accumulated rewards and credits toward Rewards in your account are void.

Without notice to you, we also reserve the right to "unregister" and make ineligible for the Rewards Program any card or account that has been inactive for two (2) consecutive years. "Inactive" is defined as no credits earned. In the event that your card or account is unregistered or rendered inactive, then all accumulated Rewards and credits toward Rewards in your account are void.

We reserve the right to terminate, discontinue or cancel the Rewards Program at any time and in its sole discretion without notice to you.

Application Terms

Last Revised: July 14, 2021

PLEASE READ THESE TERMS OF USE CAREFULLY. DOWNLOADING, INSTALLING, ACCESSING OR USING THIS MOBILE APPLICATION (THE "APPLICATION") CONSTITUTES ACCEPTANCE OF THESE TERMS OF USE ("TERMS"), AND AS SUCH TERMS MAY BE REVISED BY US FROM TIME TO TIME, AND IS A BINDING AGREEMENT BETWEEN THE USER ("USER") AND NATIONAL PAYMENT CARD ASSOCIATION dba ZIPLINE ("ZIPLINE") GOVERNING THE USE OF THE APPLICATION. IF USER DOES NOT AGREE TO THESE TERMS, USER SHOULD UNINSTALL THIS APPLICATION IMMEDIATELY. THESE TERMS CONTAIN DISCLAIMERS AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO USER.

These terms include an Arbitration provision that governs any disputes between you and us. Unless you opt out, as described below, this provision will eliminate your right to a trial by jury and substantially affect your rights, including preventing you from bringing, joining or participating in class or consolidated proceedings. You agree that we may provide notices, disclosures and amendments to these Terms by electronic means, including by changing these Terms within the Application or by posting revisions on our website.

Eligibility

The Application is not targeted towards, nor intended for use by, anyone under the age of 18. A USER MUST BE AT LEAST AGE 18 TO ACCESS AND USE THE APPLICATION. User represents and warrants that (a) he/she is not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist supporting" country; and (b) he/she is not listed on any U.S. government list of prohibited or restricted parties.

In order to use certain functions of our Application, you will need to register for an account. You agree to (a) create only one account; (b) provide accurate, truthful, current and complete information when creating your account; (c) maintain and promptly update your account information; (d) maintain the security of your account by not sharing your password with others and restricting access to your account and your computer; (e) promptly notify Us if you discover or otherwise suspect any security breaches relating to the Application; and (f) take responsibility for all activities that occur under your account and accept all risks of unauthorized access.

Privacy

Please read the Privacy Policy carefully to understand how we collect, use and disclose personally identifiable information from its users. By downloading, installing, accessing or using the Application, you consent to all actions that we take with respect to your data consistent with our Privacy Policy.

Apple Terms and Conditions; Our Policies

These Terms supplement and incorporate (a) the Apple, Inc. ("Apple") Terms and Conditions (located at http://www.apple.com/legal/internet-services/itunes/us/terms.html ) including, without limitation, the Licensed Application End User License Agreement provided therein ("Apple Terms"); and (b) other policies, including Rewards, posted at www.ZipLine.biz ("Our Website"). If any of the provisions of the Apple Terms and Conditions conflict with these Terms, the Apple Terms and Conditions will control, solely to the extent such terms apply to the Application. We, not Apple, are solely responsible for the Application and the content thereof.

Rewards Program

We may allow you to register for the rewards program which is operated by ZipLine ("Rewards Program") in the United States ("Territory of Participation") through the Application. Please refer to the Rewards Terms of Use for more information about the terms, conditions and policies that apply to your registration and use of our Rewards program.

Email Communications, Push Notifications, and In-App Messages

If a User signs up for an account using the Application, the User is, by default, opted in to receive promotional email communications from Us ("Email Communications"). The User may, at the time of sign up, opt out of receiving Email Communications from us. Thereafter, the User may opt out of receiving Email Communications by adjusting the User's profile settings in the User's account via www.ZipLine.biz.

Similarly, upon download of this Application, the User is provided the option to opt in to receive push notifications from us on his or her Device. This may include promotional communications, offers, and system messages pushed to the Device or within the Application mailbox ("Push Notifications"). The User may, at any time following download of this Application, opt out of receiving Push Notifications by type by adjusting the "Notifications" switch within the Application settings to "off", or within the Device's settings application under "Notifications" to completely opt out of Push Notifications. Opting out of Push Notifications will not affect User settings with respect to Email Communications.

Finally, by using this Application, in-app messages will automatically be displayed to the User via the Application's display tiles and/or sent to the User via the Application's inbox, including promotional communications and offers. If the User does not wish to see or receive such messages, the User must cease use of the Application.

Copyright, Trademarks, and User License

Unless otherwise indicated, the Application and all content and other materials therein, including, without limitation, our logo and all designs, text, graphics, pictures, information, data, software, sound files, other files and the selection and arrangement thereof (collectively, "Application Materials") are our property or our licensors' and are protected by U.S. and international copyright laws. Our name, our logo, and our other trademarks, service marks, graphics, and logos used in connection with the Application are trade names, trademarks or registered trademarks (collectively "Our Marks"). Other trademarks, service marks, graphics and logos used in connection with the Application are the trademarks or registered trademarks of their respective owners (collectively "Third Party Marks"). Our Marks and Third-Party Marks may not be copied, imitated, or used, in whole or in part, without our prior written permission or the applicable trademark holder. The Application and the Content are protected by copyright, trademark, patent, trade secret, international treaties, state and federal laws, and other proprietary rights and also may have security components that protect digital information only as authorized by us or the owner of the Content. All rights not expressly granted are reserved.

Subject to these Terms, we grant the User a personal, non-exclusive, non-transferable, limited, and revocable license to use the Application for personal use only in accordance with these Terms ("User License"). Any use of the Application in any other manner, including, without limitation, resale, transfer, modification or distribution of the Application or text, pictures, music, barcodes, video, data, hyperlinks, displays, and other content associated with the Application ("Content") is prohibited. Unless explicitly stated herein, nothing in these Terms shall be construed as conferring in any manner, whether by implication, estoppel or otherwise, any title or ownership of, or exclusive use-rights to, any intellectual property or other right and any goodwill associated therewith these Terms and User License also govern any updates to, or supplements or replacements for, the Application, unless separate terms accompany such updates, supplements, or replacements, in which case the separate terms will apply.

Acceptable Use

User's use of the Application, any Content, and any information provided by the User including user names and passwords, addresses, e-mail addresses, phone number, financial information (such as credit card numbers), information related to the Rewards Program, or GPS location ("User Information") transmitted in connection with the Application is limited to the contemplated functionality of the Application. In no event may the Application be used in a manner that (a) harasses, abuses, stalks, threatens, defames, or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights); (b) is unlawful, fraudulent, or deceptive; (c) provides sensitive personal information unless specifically requested by Us, (d) includes spam or any unsolicited advertising; (e) uses technology or other means to access Us or Our Content that is not authorized by Us; (f) uses or launches any automated system, including without limitation, "robots," "spiders," or "offline readers," to access Us or Our Content; (g) attempts to introduce viruses or any other computer code, files, or programs that interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment; (h) attempts to gain unauthorized access to Our computer network or user accounts; (i) encourages conduct that would constitute a criminal offense or that gives rise to civil liability; (j) violates these Terms; (k) attempts to damage, disable, overburden, or impair Our servers or networks; (l) impersonates any person or entity or otherwise misrepresents your identity or affiliation with another person or entity; or (m) fails to comply with applicable third party terms (collectively "Acceptable Use"). We reserve the right, in its sole discretion, to terminate any User License, terminate any User's participation in this program that We reasonably believe is or might be in violation of these Terms, Apple Terms, or Our policies. Our failure or delay in taking such actions does not constitute a waiver of its rights to enforce these Terms. We request that Users not use the Application while driving.

Indemnification

The User agrees to defend, indemnify, and hold harmless us, our parent, subsidiary and other affiliated companies, independent contractors, service providers and consultants, and their respective employees, contractors, agents, officers, and directors ("Our Indemnitees") from any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including attorneys' fees) ("Claims") that arise from or relate to the User's use of the Application, Content or the Rewards Program (except to the extent caused by Our material failure to perform under the express obligations of these Terms) or your violation of these Terms, or violation of any rights of a third party, including User's infringement of any intellectual property or other right or policy of us or any person. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by the User, in which event the User will cooperate in asserting any available defenses. In the event of any third-party claim that the Application or User's possession and use of the Application infringes that third party's intellectual property right, We, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.

Warranties; Disclaimers

WE ARE PROVIDING THE APPLICATION TO THE USER "AS IS" AND THE USER IS USING THE APPLICATION AT HIS OR HER OWN RISK. TO THE FULLEST EXTENT ALLOWABLE UNDER APPLICABLE LAW, ZIPLINE DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES THAT THE APPLICATION IS MERCHANTABLE, RELIABLE, AVAILABLE, ACCURATE, FIT FOR A PARTICULAR PURPOSE OR NEED, NON-INFRINGING, FREE OF DEFECTS OR VIRUSES, ABLE TO OPERATE ON AN UNINTERRUPTED BASIS, THAT THE USE OF THE APPLICATION BY THE USER IS IN COMPLIANCE WITH LAWS APPLICABLE TO THE USER, THAT USER INFORMATION OR ORDERS TRANSMITTED IN CONNECTION WITH THE APPLICATION WILL BE SUCCESSFULLY, ACCURATELY, OR SECURELY TRANSMITTED OR RECEIVED, THAT ORDERS WILL BE AS PLACED OR READY AT THE SUGGESTED TIME, OR THAT ANY PARTICULAR ITEM ORDERED WILL BE AVAILABLE. THE MATERIALS AND INFORMATION IN THE APPLICATION MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. NOTWITHSTANDING THE FOREGOING, NONE OF THE DISCLAIMERS IN THIS PARAGRAPH SHALL APPLY TO WARRANTIES RELATED TO PERSONAL INJURY.

In the event of any failure of the Application to conform to any applicable warranty, User may notify Apple, and Apple will refund the purchase price for the Application to the User and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Application, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Our sole responsibility. Additionally, Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Application. We, not Apple, are responsible for addressing any claims of the User or any third party relating to this Application or User's possession and/or use of the Application, including, but not limited to: (i) product liability claims; (ii) any claim that the Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

LIMITATION OF LIABILITY

SUBJECT TO APPLICABLE LAW, INCLUDING WITH RESPECT TO LIABILITY FOR PERSONAL INJURY OR NON-WAIVABLE STATUTORY RIGHTS, IN NO EVENT SHALL WE OR OUR OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS OR AGENTS (A) BE LIABLE TO THE USER WITH RESPECT TO USE OF THE APPLICATION, INCLUDING WITHOUT LIMITATION PARTICIPATION IN MOBILE PAYMENT, MOP, OR VOICE ORDERING, THE CONTENT OR THE MATERIALS CONTAINED IN OR ACCESSED THROUGH THE APPLICATION, OR ANY DAMAGES THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO OUR RECORDS, PROGRAMS OR SERVICES; AND (B) BE LIABLE TO THE USER FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF GOODWILL, LOST PROFITS, LOSS, THEFT OR CORRUPTION OF USER INFORMATION, THE INABILITY TO USE THE APPLICATION OR ANY OF ITS FEATURES OR DEVICE FAILURE OR MALFUNCTION. THE USER'S SOLE REMEDY IS TO CEASE USE OF THE APPLICATION OR TO CEASE PARTICIPATION IN THE APPLICATION. OUR MAXIMUM LIABILITY, AND THE MAXIMUM LIABILITY OF OUR AFFILIATES AND ANY OF OUR OR THEIR RESPECTIVE OFFICERS AND DIRECTORS FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE) OR OTHERWISE, SHALL BE FIFTY DOLLARS ($50.00).

YOUR JURISDICTION MAY NOT ALLOW THE LIMITATION OF LIABILITY IN CONTRACTS WITH CONSUMERS, SO SOME OR ALL OF THESE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.

Third Party Content, Applications, Products and Services (including Advertising and Promotions)

We may provide third party content in the Application (including embedded content) or links to third party content, applications, products and services, including advertisements and promotions (collectively, "Third Party Content") as a service to those interested in this information. We do not control, endorse or adopt any Third-Party Content, including that the inclusion of any link does not imply affiliation, endorsement or adoption by Us of any application or any information contained therein, and can make no guarantee as to its accuracy or completeness. You acknowledge and agree that We are not responsible or liable in any manner for any Third-Party Content and undertakes no responsibility to update or review such Third-Party Content. You agree to use such Third-Party Content contained therein at your own risk. When you use other applications via Third-Party Content or participate in promotions or business dealings with third parties, you should understand that our terms and policies no longer govern, and that the terms and policies of those third-party applications will now apply. You should review the applicable terms and policies, including privacy and data gathering practices, of any application to which you navigate from our Application. You must comply with any applicable third-party terms when using the Application.

Modifications to the Application

We reserve the right to modify or discontinue, temporarily or permanently, the Application or any features or portions thereof without prior notice. You agree that we will not be liable for any modification, suspension or discontinuance of the Application or any part thereof.

Terms and Conditions For ZipLine Payment Services

1. Acceptance Of Terms
By enrolling in and using this Service, you agree to be bound by the terms and conditions of this Agreement, and you acknowledge that you have read, understand and agree to abide by the terms of this Agreement. You agree that you are intending to form a legally binding contract between yourself and ZipLine. Any rights not expressly granted herein are reserved by ZipLine.

2. Description of the Service
Upon completion of the Payment Card Enrollment Application ("Application") and acceptance by ZipLine, You will become eligible to use the Services offered by ZipLine. We will make a direct deposit to and a withdrawal from your account designated in your Application via the Automated Clearinghouse Association ("ACH"). This deposit and withdrawal will be confirmation to You that You have been enrolled in and may use the Service. If You plan to use Your driver's license or a current loyalty card as Your method of payment, ZipLine will issue You a User Identification ("User ID" or "PIN") selected by You at time of enrollment that must be used in conjunction with the card at the time of each purchase. If You do not plan to use Your driver's license or other card, We will issue a proprietary debit card ("Payment Card") to You that can be used for payment for goods and services that You purchase from a participating merchant ("Merchant"). The Payment Card may be either mailed to You, or You may pick up the Payment Card from the Merchant's location, depending on the Merchant's program. Regardless of the program type, You must activate Your card before using Your card to make payments. You must follow the instructions that accompany the Payment Card Program or which are contained in the email sent to You after receiving your enrollment. You will need your User ID (PIN) to log in to Our system at www.npcmember.com or the member link provided on the merchant's website to have access to Your account information and transaction history.

3. Enrollment Requirements
You must be 18 years of age or older in order to use the Service. A valid and functional email address must be provided. Your enrolled User ID ("PIN") should not be shared with anyone. You agree to (a) provide true, accurate, current and complete information about Yourself as prompted by the Application (such information being the "Enrollment Data") and (b) maintain and promptly update the Enrollment Data to keep it true, accurate, current and complete. If You provide any information that is untrue, inaccurate, not current or incomplete, or if ZipLine has reasonable grounds to suspect that such data is untrue, inaccurate, not current or incomplete, We have the right to suspend or terminate the Service and refuse any and all current or future use of the Service (or any portion thereof). By enrolling in and using the Service, in addition to the terms of this Agreement, You agree to comply with all applicable federal, state/provincial and local laws, rules and regulations. Your failure to comply with the Terms and Conditions, including those contained in this section shall be deemed a waiver of any and all claims against ZipLine for any losses You may sustain from using the Service.

4. Enrollee Authorizations
Disclosure
ZipLine utilizes a third-party, RIBBIT, to help validate your enrollment information and retrieve bank account information. You hereby provide electronic consent and authorization to RIBBIT to retrieve your bank account information to allow ZipLine to facilitate the transfer of funds for your payment transactions. In the event RIBBIT is unable to retrieve your bank information you will be required to provide your routing and account information in order to receive approval of your application.

In acceptance of this agreement, you agree to the privacy policy of RIBBIT referenced in the below link:

https://www.ribbit.ai/privacy-policy

In acceptance of this agreement, You authorize ZipLine and/or its Merchants, to withdraw and/or deposit funds in Your account via ACH (Electronic Check) at the depository institution designated in the Application which will be reflected in debit and credit entries. You understand that an ACH transaction may take up to three (3) business days to post to Your bank account. When You conduct a transaction through Our Service, You are responsible for ensuring that the funds are available at the time the transaction is conducted, and properly processed (posts) to Your account. You acknowledge that the origination of ACH transactions to Your account must comply with the provisions of U.S. law. Additionally, You authorize ZipLine and/or its Merchants to verify Your Identity. You also authorize ZipLine to provide transaction history information to its Merchants. The authorization to complete transactions using the Service will remain in effect until You provide us with written notification of Your intention to terminate this Agreement in writing.

In the event that Your bank does not allow electronic transactions, You authorize us to convert the electronic transaction data to a paper draft for presentment to Your bank. In the event that Your bank denies the electronic transaction and returns electronic payment to ZipLine, You authorize Us to re-present the original electronic transaction amount. If Your payment is returned unpaid (NSF, Account Closed/Frozen, etc.), You authorize CHECKredi to make an electronic fund transfer from Your account to collect the original transaction and a "return fee". The return fee will be up to the maximum amount permissible by state law. This fee is separate from any fees that Your bank may impose for such returns. I agree and authorize CHECKredi to contact me by email and U.S. mail, at my residence phone number, place of employment phone number and cellular phone number by means of a telephone call, a dialer or a text for the purpose of collections. I also agree to receive email communications from CHECKredi regarding my returned items for the purpose of collections. We recommend that You have Overdraft Protection on the account used for Your payment card transactions. ZipLine may share data with third parties to verify the validity of your identity and banking data presented during enrollment.

By accepting this Agreement, You authorize ZipLine to access Your personal information from third parties for the purpose of verifying Your identity, and to prevent fraud and to authenticate information used to subscribe to the Service in accordance with Our Privacy Policy

5. Enrollment and annual account maintenance fee

There are no enrollment fees and we do not charge a per transaction fee to the consumer for the use of Your payment card account (and/or mobile application). Your payment card account may be subject to an annual maintenance fee of up to $1.00 after one year from enrollment, as properly disclosed by the participating Merchant. The fee will be properly disclosed at enrollment by the Merchant's website and/or collateral material prior to any fee amount being debited from Your authorized bank account.

6. ZipLine Privacy Policy
We will securely store your personal information, and other than providing certain information (not including your bank account information) to the Merchant, will not give or sell Your personal information to third-parties for advertising or marketing purposes without Your consent. This Agreement and Your submission of data through enrollment are governed by Our Privacy Policy. Please review the Privacy Policy to learn more about how We hold or may use Your personal information.

7. Transfer and Closure of Accounts
As an enrollee, Your right to use the Service is nontransferable and any rights to Your ZipLine account or contents within Your account terminate upon written notification from ZipLine in Our sole and absolute discretion, at any time for any reason including, but not limited to closure of Your bank account, Your filing for bankruptcy protection, or Your account is subject to judgment or lien.

8. ZipLine Card's Proprietary Rights
The service and any related software(s) or documentation are the property of ZipLine, its assignees and/or content suppliers, and are protected by United States and International intellectual property rights laws.

9. Confidentiality
ZipLine will only disclose information to third parties about the transactions You make:

(a) Where it is necessary for completing transactions;
(b) In order to verify the existence of your access device for a third party, such as credit bureau or Merchant;
(c) In order to comply with a demand from a government agency, court order, or other legal reporting requirements;
(d) To Merchants; or
(e) If You give us Your written permission for any other reason.

10. Our Liability for Failure to Complete Transactions
If We do not complete a transfer from Your account in the correct amount according with Our agreement with You, We may be liable for Your direct damages. To the extent allowed by law, We, and the Merchants, will not be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. For example, neither We, nor the Merchants, shall be liable:

(a) If, through no fault of Ours, You do not have enough money in Your account to make the transfer;
(b) If a Merchant refuses to accept your card;
(c) If an electronic terminal where You are making a transaction does not operate properly;
(d) If access to Your account has been blocked after You reported Your card or PIN lost or stolen;
(e) If there is a hold or the funds in Your account are subject to legal process or other encumbrance restricting their use;
(f) If We have reason to believe the requested transaction is unauthorized;
(g) If circumstances beyond Our control (such as fire or flood or computer or communication failure or other acts of God) prevent the completion of the transaction, despite reasonable precautions that We have taken.

11. Warranty Limitation
THIS SERVICE IS PROVIDED "AS IS" AND WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN CONNECTION WITH THE SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT THE SERVICE WILL OPERATE WITHOUT ERRORS, OR THAT THE SERVICE WILL BE AVAILABLE AND OPERATIONAL AT ALL TIMES. WE ARE NOT RESPONSIBLE FOR THE QUALITY, SAFETY, LEGALITY, OR ANY OTHER ASPECT OF ANY GOODS OR SERVICES YOU PURCHASE THROUGH THE USE OF THIS SERVICE.

12. Error Resolution Procedures
ALL INQUIRIES CONCERNING TRANSACTIONS MADE THROUGH THIS SERVICE MUST BE DIRECTED TO ZipLine, AND NOT TO THE MERCHANT, BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR ACCOUNT. We are responsible for the ZipLine Service and for resolving any errors in transactions made through the use of the Service. We will make monthly account activity information available to You identifying transactions that You made through this Service. You may access Your account information at www.npcmember.com. The financial institution holding Your account may also make periodic statements available to You. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE YOUR CARD, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM THE FINANCIAL INSTITUTION HOLDING YOUR ACCOUNT, YOUR BANK OR OTHER FINANCIAL INSTITUTION. If You have any questions about one of these transactions You may contact Us by email, telephone, or in writing addressed in accordance with the contact information provided at the end of these enrollment term and conditions.

We must hear from You no later than 60 days after Your financial institution sent you the FIRST statement on which the problem or error appeared.

(a) Provide Us Your name and account number (if any).
(b) Describe the error or the transfer You are unsure about, and explain as clearly as You can why You believe it is an error or why You need more information.
(c) Provide Us the dollar amount of the suspected error.

If You advise us orally, We may require that You send Us Your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You and will correct any error promptly. If We need additional time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will credit Your account within 10 business days for the amount You think is in error, so that You will have the use of the money during the time it takes us to complete our investigation. If We ask You to put Your complaint or question in writing and We do not receive it within 10 business days, we may not credit Your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, We may take up to 90 days to investigate Your complaint or question. For new accounts, We may take up to 20 business days to credit Your account for the amount you think is in error. We will tell You the results within three business days after completing Our investigation. If We decide that there was no error, We will send You a written explanation. You may request copies of the documents that We used in our investigation.

IF YOUR CARD IS LOST OR STOLEN, NOTIFY US AT ONCE by calling 1-877-403-2222 or logging into Your account at www.npcmember.com and clicking on "Lost Card?".

If You make a claim seeking a refund or provisional credit from Us, You warrant and represent that You have not made a claim for the same transaction or received a payment or refund from any other party including, but not limited to Your depository financial institution or a Merchant. If You have received a payment or refund from any other party and You also receive a payment or refund for the same transaction from Us, You hereby authorize Us to immediately reverse the payment or refund given to You by Us.

13. Your Liability for Unauthorized Transfers
It is Your obligation to immediately notify Us if You believe Your card or PIN has been lost or stolen. Telephoning is the best way of minimizing Your possible losses. In the event that you fail to notify us that your Payment Card or PIN is lost, stolen or compromised, You could lose all the money in Your account (plus your maximum overdraft line of credit). If You notify us within 4 business days of the loss or theft of Your card or PIN, Your loss will not exceed $50.
If You do NOT notify us within 4 business days of the loss or theft of Your card PIN, and We can prove We could have stopped someone from using Your card or PIN without Your permission had You notified Us in a timely manner, you could lose as much as $500. Additionally, if the periodic statement provided by Your financial institution holding Your account shows transfers made with your Payment Card or through the use of Your User ID or PIN that You did not make, notify Us at once.

If You do not notify Us within 90 days after the statement was made available to You at www.npcmember.com You may not receive any money lost, if We can demonstrate that We could have stopped someone from taking the money, had You notified Us in a timely manner. We may, in Our sole and absolute discretion, extend the grace period in the prior sentence, upon good cause shown.

	(a)Contact in event of unauthorized transfer: If you believe Your card or PIN has been lost or stolen, call: 1-877-403-2222 or write:
		National Payment Card Association dba ZipLine Attn: Customer Service 300 Lock Road, Suite 202 Deerfield Beach, FL 33442
	(b)Business days: For purposes of these disclosures, our business days are Monday through Friday, not including Bank Holidays.
	(c)Transaction and velocity limitation disclosure:
	1. Account access. You may use Your card and PIN to pay for purchases at Merchant locations that have agreed to accept the card/mobile payment. 2. Limitations on frequency of transactions.* For security reasons, there are limits on the number of transactions you can make using our point-of-sale transaction service. Transactions are limited to a certain number per day and a certain number weekly(defined as any 7 day period). 3. Limitations on dollar amounts of transactions.* Your purchases will be limited to a dollar amount per transaction, a dollar amount per day, and a dollar amount weekly(defined as any 7 day period) that you use the card/mobile payment in our point-of-sale transaction service. 4. Transaction velocity limitations will vary by merchant.* *Disclosure/Disclaimer: We reserve the right, in our sole and absolute discretion, to monitor, manage and/or make adjustments on any and all velocity parameters relating to the frequency of transactions, limitations on dollar amounts per transaction, as well as the total dollar limit of daily and weekly(defined as any 7 day period) transactions.
	(d)Documentation:
	1. Terminal transactions. You are entitled to receive a receipt at the time You make any transaction to or from Your account using the Service.

14. Termination
You agree that ZipLine may cancel or suspend this Service and terminate this Agreement in ZipLine's sole and absolute discretion, at any time, for any reason with or without prior notice. You may terminate this Agreement at any time by contacting Us by email, by telephone, or in writing at the contact information provided at the end of these enrollment terms and conditions.

Upon termination of this Agreement:
(a) You will no longer have access to the Service, and
(b) Your User ID and all related information, content, data associated with or inside Your account (or any party thereof) will be deactivated.

You agree that termination of this Agreement by You or Us will not affect any of Our rights or Your obligations arising under this Agreement prior to termination.

15. Notice
We may provide You with notices including those regarding changes to this Agreement by email, regular mail and/or by posting on the Member website (www.npcmember.com).

Terms Common To All Agreements

Electronic Notifications

ZipLine (NPCA) will provide you with all disclosures, policies, notices and other communications about the Service, including this Agreement, in electronic form, and we will provide revisions and amendments to this Agreement, and such other information, including but not limited to information under Regulation E and other laws and regulations, electronically as a part of the Agreement or otherwise as a part of the Service. We will provide all future notices by posting them on our website or by email. By accepting this Agreement, you are also consenting to accept documents electronically that relate to all future transactions you conduct using this Service.

We will provide you with notices, amendments to this Agreement, and other communications in electronic form rather than in paper form. These electronic records will be stored by us and available for your viewing at www.npcmember.com. We will send you an email when a notice is first posted to the website, letting you know that a notice is now available to you for pick-up. The notices will be stored in the confidential section of our website and they will be available to you for at least 180 days following the date the notice is first posted for pick-up or the date we send the email to you, whichever is later. To access the notices, you will need to use the security procedures used as part of the Service. Paper copies of the electronic records described above will be made available to you only if you specifically request a copy. You can request a copy of an electronic record by contacting us at the contact information provided at the end of these enrollment terms and conditions.

After you have consented to this Agreement, you may withdraw your consent to receive electronic records at any time by contacting us at the contact information provided at the end of these enrollment terms and conditions.

Use of the Service requires ZipLine (NPCA) to maintain your current email address. You agree to provide ZipLine (NPCA) with any updated information needed in order for us to be able to provide you with electronic records from time to time and at any time. This includes, but is not limited to, providing ZipLine (NPCA) with any changes to your email address by contacting us at the contact information provided at the end of these enrollment terms and conditions. In order to access, view, and retain electronic documents that we make available to you, you must have: Access to the internet via a personal computer installed with a web browser software.

You may print and retain a copy of the Agreement or any other notices or communication. However, we only provide these documents electronically. You can obtain a copy of the most recent agreement at a later date by going to the disclosure section on the login screen.

If we change the minimum hardware or software requirements needed to access or retain electronic records, and the change creates a material risk that you will not be able to access or retain a subsequent record, then we will let you know about the change(s) before the change(s) takes effect and let you know what the new requirements are.

By checking the authorization box in the Payment Card Enrollment Application screen, you are thereby accepting and agree to be bound by the above terms and conditions. By providing your consent to this Agreement, you also confirm that you are able to access all of the disclosures, records and other information provided to you in electronic form.

Arbitration

Please read this section carefully. It affects rights that you may otherwise have. It provides for resolution of most disputes through arbitration instead of court trials and class actions. Arbitration is more informal than a lawsuit in court, uses a neutral arbitrator instead of a judge or jury, and discovery is more limited. Arbitration is final and binding and subject to only very limited review by a court. This arbitration clause shall survive termination of this Agreement.

Binding Arbitration

This provision is intended to be interpreted broadly to encompass all disputes or claims arising out of or relating to this Agreement, and your relationship with us. Any dispute or claim arising out of or relating to this Agreement or use of the Card and your relationship with Us or any subsidiary, parent or affiliate company or companies (whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory) will be resolved by binding arbitration, except that either of us may take claims to small claims court if they qualify for hearing by such a court.

Opt-Out

Notwithstanding the above, you may choose to pursue your claim in court and not by arbitration if you opt out of this arbitration provision within 30 days from signing up for the Rewards program (the "Opt Out Deadline"). You may opt out of these arbitration procedures by sending us a written notice that you opt out to the following address: ZipLine 300 Lock Road, Suite 202, Deerfield Beach, FL 33442. Any opt-out received after the Opt Out Deadline (allowing three (3) additional days for mailing) will not be valid and you must pursue your claim in arbitration or small claims court.

Arbitration Procedures

For all disputes, whether pursued in court or arbitration, you must first send a written description of your claim to our Customer Service department to allow us an opportunity to resolve the dispute. You and we each agree to negotiate your claim in good faith. You may request arbitration if your claim or dispute cannot be resolved within 60 days.

The arbitration of any dispute or claim shall be conducted in accordance with the rules of the American Arbitration Association ("AAA"), including the AAA's Consumer Arbitration Rules (as applicable), as modified by this Agreement. The AAA Rules and information about arbitration and fees are available online at www.adr.org. You and we agree that this Agreement evidences a transaction in interstate commerce and this arbitration provision will be interpreted and enforced in accordance with the U.S. Federal Arbitration Act and federal arbitration law, and not governed by state law. Any arbitration will be held in a reasonably convenient location in the state in which you reside or at another mutually agreed location. The arbitration will be conducted in the English language. An arbitrator may award on an individual basis any relief that would be available in a court, including injunctive or declaratory relief to the extent required to satisfy your individual claim, and must follow and enforce this Agreement as a court would. Any arbitration shall be confidential, and neither you nor we may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcement of the arbitration award. Judgment on any arbitration award may be entered in any court having proper jurisdiction.

Costs of Arbitration

Upon filing of the arbitration demand, we will pay all filing, administration and arbitrator fees other than the initial $200 filing fee, and for claims of less than $1,000, we will reimburse you for the filing fee within 30 days of receiving a written request from you. Each party will bear the fees and expense of its own attorneys, experts, witnesses and preparation and presentation of evidence at the arbitration. However, for claims under $10,000 as to which you provided notice and negotiated in good faith as required above before initiating arbitration, if the arbitrator finds you are the prevailing party in the arbitration, you will be entitled to a recovery of reasonable attorneys' fees and costs. Except for claims determined to be frivolous, we agree not to seek an award of attorneys' fees in arbitration even if an award is otherwise available under applicable law.

Class Action Waiver and Jury Waiver

You and we each agree that any proceeding, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. If a court or arbitrator determines in an action between you and us that this class action waiver is unenforceable, the arbitration agreement will be void as to you. If you opt out of the arbitration provision as specified above, this class action waiver provision will not apply to you. Neither you, nor any other consumer, can be a class representative, class member, or otherwise participate in a class, consolidated or representative proceeding without having complied with the opt out procedure set forth above. If for any reason a claim proceeds in court rather than through arbitration, you and we each waive any right to a jury trial.

Governing Law - New York

This Agreement shall be governed by and construed in accordance with the laws of the State of New York notwithstanding any conflict of law rules.

Disclaimers and Limits of Liability

We and our affiliates make no representations, warranties or conditions of any kind, express or implied, with respect to the Rewards or the App, including, but not limited to, any implied warranty of merchantability, fitness for a particular purpose, title or non-infringement, or any warranty arising by usage of trade, course of dealing or course of performance. We do not represent or warrant that your Rewards or the App will always be accessible or accepted.

In the event that we or our affiliates are found liable to you, you shall only be entitled to recover actual and direct damages and such damages shall not exceed the last balance held on your Rewards. We and our affiliates shall have no liability for any incidental, indirect or consequential damages (including without limitation loss of profit, revenue or use), or any punitive or exemplary damages arising out of or in any way connected with this Agreement, whether in contract, warranty, tort (including negligence, whether active, passive or imputed), product liability, strict liability or other theory, even if we or our authorized representatives have been advised of the possibility of such damages. In no event shall we or our affiliates have any liability for unauthorized access to, or alteration, theft or destruction of a Rewards account or the App through accident, misuse or fraudulent means or devices by you or any third party, or as a result of any delay or mistake resulting from any circumstances beyond our control.

The laws of certain states or other jurisdictions do not allow limitations on implied warranties, or the exclusion or limitation of certain damages. If these laws apply, some or all of the above disclaimers, exclusions or limitations may not apply to you, and you may have rights in addition to those contained in this Agreement. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

Assignment

We may assign all or part of this Agreement without notice to you. We are then released from all liability. You may not assign this Agreement without our prior written consent and any attempted assignment will be void.

Entire Agreement, Construction

This Agreement is the complete and exclusive statement of agreement between you and National Payment Card Association dba ZipLine and supersedes and merges all prior proposals and all other agreements governing your Rewards account. If any provision of this Agreement, other than the Class Action Waiver in the Arbitration provision above, is determined to be illegal or unenforceable, that provision will be eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable.

Third Party Beneficiary

Apple and Apple's subsidiaries are third party beneficiaries of these Terms. Upon User's acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against User as a third-party beneficiary thereof.

Termination

Notwithstanding any of these Terms, we reserve the right, without notice and in its sole discretion, to terminate your license to use the Application and to block or prevent your future access to and use of the Application. Our failure or delay in taking such actions does not constitute a waiver of its rights to enforce these Terms.

Changes

We reserve the right to change or modify these Terms or any other policies related to use of the Application at any time and at its sole discretion by changing these Terms within the Application or by posting revisions on our website. Continued use of the Application following such changes or modifications to the Terms or other policies will constitute acceptance of such changes or modifications. If you do not agree to such changes or modifications, you should uninstall the Application immediately.

Severability

If any provision of these Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

Notice to California Residents

Under California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights information: the provider of the Application is National Payment Card Association dba ZipLine, 300 Lock Road, Suite 202, Deerfield Beach, FL 33442. To file a complaint regarding the Application or to receive further information regarding use of the Application, send a letter to the above address or contact ZipLine via e-mail (with "California Resident Request" as the Subject Line). You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento CA 95834 or by telephone at 800.952.5210.

Contact

Any questions, complaints, or claims regarding the Application should be directed to:
ZipLine
300 Lock Road, Suite 202
Deerfield Beach, FL 33442
legal@zipline.biz

Document was last updated 07/14/2021

Prepaid Account

Enrollment Terms and Conditions

This agreement ("Agreement") is made by and between the person named in the "Payment Card Enrollment Application" ("you", "your", or "yours") for the use of the service offered by National Payment Card Association dba ZipLine, its affiliates, its subsidiaries or its assignees ("National Payment Card", "ZipLine (NPCA)", "we", "us", "our", "ours"), and shall govern your enrollment in, and use of the National Payment Card System Services ("Service") described herein.

1. Acceptance Of Terms
By enrolling in and using this Service, you agree to be bound by the terms and conditions of this Agreement, and you acknowledge that you have read, understand and agree to abide by the terms of this Agreement. You agree that you are intending to form a legally binding contract between yourself and ZipLine (NPCA). Any rights not expressly granted herein are reserved by ZipLine (NPCA)

2. Definitions

A merchant branded debit card is defined in this document as a Payment Card. A general purpose reloadable prepaid card is defined in this document as a Prepaid Account.

3. Description of the Service
Upon completion of the Payment Card Enrollment Application ("Application") and acceptance by ZipLine (NPCA), you will become eligible to use the Services offered by ZipLine (NPCA). ZipLine (NPCA) will issue you a User Identification ("User ID" or "PIN") selected by you at time of enrollment that must be used in conjunction with the Payment Card at the time of each purchase. The Payment Card may be either mailed to you, or you may pick up the Payment Card from the Merchant's location, depending on the Merchant's program. You may also be able to complete a cardless enrollment via a mobile app. Regardless of the program type, you must enroll your account with ZipLine before using your card/app to make payments. You must follow the instructions that accompany the Payment Card Program or which are contained in the email sent to you after receiving your enrollment. You will need your User ID (PIN) to log in to our system via the member link provided on your merchant's website to have access to your account information and transaction history.

4. Enrollment Requirements
You must be 18 years of age or older in order to use the Service. A valid and functional email address must be provided. Your enrolled User ID (PIN) should not be shared with anyone. You agree to (a) provide true, accurate, current and complete information about yourself as prompted by the Application (such information being the "Enrollment Data") and (b) maintain and promptly update the Enrollment Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or if ZipLine (NPCA) has reasonable grounds to suspect that such data is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate the Service and refuse any and all current or future use of the Service (or any portion thereof). By enrolling in and using the Service, in addition to the terms of this Agreement, you agree to comply with all applicable federal, state/provincial and local laws, rules and regulations. Your failure to comply with the Terms and Conditions, including those contained in this section shall be deemed a waiver of any and all claims against ZipLine (NPCA) for any losses you may sustain from using the Service.

5. Enrollee Authorizations
ZipLine utilizes third-parties, Connexus Secure and RIBBIT, to help validate your enrollment information and retrieve bank account information. You hereby provide electronic consent and authorization to Connexus Secure and RIBBIT to retrieve your bank account information to allow ZipLine to facilitate the transfer of funds for your payment transactions. In the event Connexus Secure or RIBBIT is unable to retrieve your bank information you will be required to provide your routing and account information in order to receive approval of your application.

In acceptance of this agreement, you agree to the privacy policies of Connexus Secure and RIBBIT referenced in the below links:

https://www.connexussecure.com/privacy-policy

https://www.ribbit.ai/privacy-policy

In acceptance of this agreement, you authorize ZipLine (NPCA) and/or its Merchants, to withdraw from your Prepaid Account that was designated in the enrollment application. You understand that a transaction may take up to three (3) business days to post to your Prepaid Account. When you conduct a transaction through our Service, you are responsible for ensuring that the funds are available at the time the transaction is conducted, and properly processed (posts) to your account. You authorize ZipLine (NPCA) and/or its Merchants to verify your Identity. You also authorize ZipLine (NPCA) to provide transaction history information to its Merchants. The authorization to complete transactions using the Service will remain in effect until you provide us with written notification of your intention to terminate this Agreement in writing.

ZipLine (NPCA) may share data with third parties to verify the validity of your identity and banking data presented during enrollment.

By accepting this Agreement, you authorize ZipLine (NPCA) to access your personal information from third parties for the purpose of verifying your identity, and to prevent fraud and to authenticate information used to subscribe to the Service in accordance with our Privacy Policy.

6. Enrollment and annual account maintenance fee

There are no enrollment fees and we do not charge a per transaction fee to the consumer for the use of your payment card account (and/or mobile application). Your payment card account may be subject to an annual maintenance fee of up to $1.00 after one year from enrollment, as properly disclosed by the participating Merchant. The fee will be properly disclosed at enrollment by the Merchant's website and/or collateral material prior to any fee amount being debited from your authorized Prepaid Account.

7. ZipLine (NPCA) Privacy Policy
We will securely store your personal information, and other than providing certain information excluding your Prepaid Account information) to the Merchant, will not give or sell your personal information to third-parties for advertising or marketing purposes without your consent. This Agreement and your submission of data through enrollment are governed by our Privacy Policy. Please review the Privacy Policy to learn more about how we hold or may use your personal information.

8. Transfer and Closure of Accounts
As an enrollee, your right to use the Service is nontransferable and any rights to your ZipLine (NPCA) account or contents within your account terminate upon written notification from ZipLine (NPCA) in our sole and absolute discretion, at any time for any reason including, but not limited to closure of your Prepaid Account, your filing for bankruptcy protection, or your account is subject to judgment or lien.

9. ZipLine (NPCA) Card's Proprietary Rights
The service and any related software(s) or documentation are the property of ZipLine (NPCA), its assignees and/or content suppliers, and are protected by United States and International intellectual property rights laws.

10. Confidentiality
ZipLine (NPCA) will only disclose information to third parties about the transactions you make:

(a) Where it is necessary for completing transactions;

(b) In order to verify the existence of your access device for a third party, such as credit bureau or Merchant;

(d) To Merchants; and

(e) If you give us your written permission for any other reason.

11. Our Liability for Failure to Complete Transactions
If we do not complete a transfer from your account in the correct amount according with our agreement with you, we may be liable for your direct damages. To the extent allowed by law, we, and the Merchants, will not be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. For example, neither we, nor the Merchants, shall be liable:

(a) If, through no fault of ours, you do not have enough money in your account to make the transfer;

(b) If a Merchant refuses to accept your card;

(d) If access to your account has been blocked after you reported your card or PIN lost or stolen;

(e) If there is a hold or the funds in your account are subject to legal process or other encumbrance restricting their use;

(f) If we have reason to believe the requested transaction is unauthorized;

(g) If circumstances beyond our control (such as fire or flood or computer or communication failure or other acts of God) prevent the completion of the transaction, despite reasonable precautions that we have taken.

12. Warranty Limitation
THIS SERVICE IS PROVIDED "AS IS" AND WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN CONNECTION WITH THE SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT THE SERVICE WILL OPERATE WITHOUT ERRORS, OR THAT THE SERVICE WILL BE AVAILABLE AND OPERATIONAL AT ALL TIMES. WE ARE NOT RESPONSIBLE FOR THE QUALITY, SAFETY, LEGALITY, OR ANY OTHER ASPECT OF ANY GOODS OR SERVICES YOU PURCHASE THROUGH THE USE OF THIS SERVICE.

13. Error Resolution Procedures
ALL INQUIRIES CONCERNING TRANSACTIONS MADE THROUGH THIS SERVICE MUST BE DIRECTED TO ZipLine (NPCA), NOT TO THE MERCHANT, OR OTHER COMPANIES RESPONSIBLE FOR YOUR PREPAID ACCOUNT. We are responsible for the ZipLine (NPCA) Service and for resolving any errors in transactions made through the use of the Service. We will make monthly account activity information available to you identifying transactions that you made through this Service. You may access your account information at the member link provided on your merchant's website . The company holding your Prepaid Account may also make periodic statements available to you. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE YOUR CARD, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM THE COMPANY HOLDING YOUR PREPAID ACCOUNT. If you have any questions about one of these transactions you may contact us by email, telephone, or in writing addressed in accordance with the contact information provided at the end of these enrollment term and conditions.

We must hear from you no later than 60 days after the company responsible for your Prepaid Account sent you the FIRST statement on which the problem or error appeared.

(a) Provide us your name and account number (if any).

(b) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

If you advise us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need additional time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that we used in our investigation.

IF YOUR CARD IS LOST OR STOLEN, NOTIFY US AT ONCE by calling 1-877-403-2222 or logging into your account at the member link provided on your merchant's website and click on "Lost Card?".

If you make a claim seeking a refund or provisional credit from us, you warrant and represent that you have not made a claim for the same transaction or received a payment or refund from any other party including, but not limited to your depository financial institution or a Merchant. If you have received a payment or refund from any other party and you also receive a payment or refund for the same transaction from us, you hereby authorize us to immediately reverse the payment or refund given to you by us.

14. Your Liability for Unauthorized Transfers
It is your obligation to immediately notify us if you believe your card or PIN has been lost or stolen. Telephoning is the best way of minimizing your possible losses. In the event that you fail to notify us that your Payment Card or PIN is lost, stolen or compromised, you could lose all the money in your account (plus your maximum overdraft line of credit). If you notify us within 4 business days of the loss or theft of your card or PIN, your loss will not exceed $50.
If you do NOT notify us within 4 business days of the loss or theft of your card PIN, and we can prove we could have stopped someone from using your card or PIN without your permission had you notified us in a timely manner, you could lose as much as $500. Additionally, if the periodic statement provided by the company holding your Prepaid Account shows transfers made with your Payment Card or through the use of your User ID or PIN that you did not make, notify us at once.

If you do not notify us within 90 days after the statement was made available to you at the member link provided on your merchant's website you may not receive any money lost, if we can demonstrate that we could have stopped someone from taking the money, had you notified us in a timely manner. We may, in our sole and absolute discretion, extend the grace period in the prior sentence, upon good cause shown.

	(a)Contact in event of unauthorized transfer: If you believe your card or PIN has been lost or stolen, call: 1-877-403-2222 or write:
		National Payment Card Association dba ZipLine Attn: Customer Service 300 Lock Road, Suite 202 Deerfield Beach, FL 33442
	(b)Business days: For purposes of these disclosures, our business days are Monday through Friday, not including Bank Holidays.
	(c)Transaction and velocity limitations:
	1. Account access. You may use your card and PIN to pay for purchases at Merchant locations that have agreed to accept the card. 2. Limitations on frequency of transactions * for security reasons, there are limits on the number of transactions you can make using our point-of-sale transaction service. No more than Five (5) transactions each day and Twelve (12) transactions weekly(defined as any 7 day period). 3. Limitations on dollar amounts of transactions * You may buy up to $75 - $100 (as determined by the Merchant) per transaction not to exceed $150 worth of goods or services each day and $500 weekly(defined as any 7 day period) that you use the card in our point-of-sale transaction service. 4. Transaction velocity limitations may vary by merchant and will be disclosed in the welcome email that you will receive upon enrollment.
	(d)Documentation:
	1. Terminal transactions. You are entitled to receive a receipt at the time you make any transaction to or from your account using our Service.

15. Termination
You agree that ZipLine (NPCA) may cancel or suspend this Service and terminate this Agreement in ZipLine's (NPCA) sole and absolute discretion, at any time, for any reason with or without prior notice. You may terminate this Agreement at any time by contacting us by email, by telephone, or in writing at the contact information provided at the end of these enrollment terms and conditions.

Upon termination of this Agreement:
(a) you will no longer have access to the Service, and
(b) your User ID and all related information, content, data associated with or inside your account (or any party thereof) will be deactivated.

You agree that termination of this Agreement by you or us will not affect any of our rights or your obligations arising under this Agreement prior to termination.

16. Notice
We may provide you with notices including those regarding changes to this Agreement by email, regular mail and/or by posting on the member link provided on your merchant's website.

17. Miscellaneous
Entire Agreement. This Agreement constitutes the entire agreement between you and ZipLine (NPCA) governing your use of the Service and supersedes any prior agreements between you and us to that subject matter.

18. WAIVER OF JURY AND ARBITRATION PROVISION: READ THIS PROVISION CAREFULLY AS IT AFFECTS YOUR RIGHT TO JURY TRIAL

18.1 Waiver of Jury Trial; Other Rights. Upon written demand by either party, the parties shall proceed to resolve all claims exclusively and finally by binding arbitration. THERE SHALL BE NO RIGHT TO A JURY TRIAL. The arbitration hearing shall be conducted at a location within twenty (20) miles of Your address at the time of such arbitration. The arbitration shall be conducted before the American Arbitration Association (the "AAA"), pursuant to the AAA Commercial Arbitration Rules, which can be obtained on line at www.adr.org, or by calling the AAA at 1-800-778-7879. ZipLine (NPCA) will provide a copy of the Arbitration Rules to You via email upon written request. The arbitration shall be conducted by one neutral arbitrator appointed by the AAA. The arbitrator shall have actual experience in and knowledge of the Payments Processing and Gift and Loyalty Industries to the greatest extent practicable, unless the parties agree otherwise.

The parties agree that the Federal Arbitration Act ("FAA") and related federal law shall govern the interpretation, implementation and enforcement of this Section to the fullest extent possible. In the event state law shall govern, the laws of the State of Florida shall apply.

The arbitrator shall have the authority to award any relief at law, or in equity which would otherwise be available in a court of law. The arbitration filing fee and the arbitrator's fee shall be paid by ZipLine (NPCA), as the Parties intend that the costs of arbitration to You be the same or less than the cost of filing and prosecuting a lawsuit.

18.2 No Class Actions: The Parties hereto acknowledge and agree that this arbitration shall be solely between the Parties to this Agreement, and no class arbitration, or other representative action may be undertaken by the arbitrator. The parties further agree that the arbitrator shall not have the power to combine this with any other arbitration or to treat this as a representative action, or as a class action.

18.3 Opt-Out. You may elect to opt out of this Waiver of Jury Trial and Arbitration Provision by sending written notice to ZipLine (NPCA) to be received by the close of business on or before the tenth (10th) calendar day after this Agreement is executed, time being "of the essence". Opt-out notices received after this deadline shall be of no force and effect. The opt-out shall not modify any of the parties other rights and remedies contained herein.

Waiver and Severability of Terms - Our failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision and the other provisions of this Agreement remain in full force and effect.

Survival of Claims - You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service must be filed within one year after such claim or cause of action arose or be forever barred.

Third Party Beneficiary - Although the Merchants have no obligation under this Agreement, the Merchants are made express third party beneficiaries of our rights under this Agreement.

Electronic Notifications - ZipLine (NPCA) will provide you with all disclosures, policies, notices and other communications about the Service, including this Agreement, in electronic form, and we will provide revisions and amendments to this Agreement, and such other information, including but not limited to information under Regulation E and other laws and regulations, electronically as a part of the Agreement or otherwise as a part of the Service. We will provide all future notices by posting them on our website or by email. By accepting this Agreement, you are also consenting to accept documents electronically that relate to all future transactions you conduct using this Service.

We will provide you with notices, amendments to this Agreement, and other communications in electronic form rather than in paper form. These electronic records will be stored by us and available for your viewing on the member link provided on your merchant's website. We will send you an email when a notice is first posted to the website, letting you know that a notice is now available to you for pick-up. The notices will be stored in the confidential section of our website and they will be available to you for at least 180 days following the date the notice is first posted for pick-up or the date we send the email to you, whichever is later. To access the notices, you will need to use the security procedures used as part of the Service. Paper copies of the electronic records described above will be made available to you only if you specifically request a copy. You can request a copy of an electronic record by contacting us at the contact information provided at the end of these enrollment terms and conditions.

Contact information:

Mail:

ZipLine
Attn: Customer Service
300 Lock Road, Suite 202
Deerfield Beach, FL 33442

Email: customermgr@ZipLine.biz

Phone: 1-877-403-2222

This policy was last updated on 10/31/2020