WireBee, Inc. Terms of Use

WIREBEE, INC.
Website Terms Of use

LAST UPDATE: 09-28-2022

THIS WEBSITE IS OWNED AND OPERATED BY WIREBEE INC ("WIREBEE", "WE", “OUR” AND "US").  ACCESS AND USE OF THIS WEBSITE AND ITS RELATED SERVICES AND WEB PAGES (COLLECTIVELY, THE "SITE") ARE PROVIDED BY WIREBEE TO YOU ON CONDITION THAT YOU ACCEPT THESE TERMS OF USE, AND BY ACCESSING OR USING THIS SITE, YOU AGREE TO THESE TERMS OF USE.  IF YOU DO NOT AGREE TO ACCEPT AND ABIDE BY THESE TERMS OF USE YOU SHOULD NOT ACCESS OR USE THIS SITE.

These Terms of Use (this “Agreement”), the Privacy Policy and all other documents referenced herein govern the relationship between you, the Site visitor ("You") and WireBee with respect to Your use of the banking and other financial services We make available to you on this Site or on Our mobile application (the “App” together with the Site and banking and financial services, collectively the “Services”). You agree this Agreement is like any written negotiated agreement signed by You, and You agree to be bound by, and fully comply with, its terms.  You represent and warrant that You have all necessary right, power and authority to enter into this Agreement and to perform and otherwise discharge all of your obligations hereunder. By accessing or using Our Services, or otherwise manifesting Your assent to this Agreement, You signify that You have read, understood and agree to this Agreement and Our collection, storage, use, and disclosure of Your personal information as described in the Privacy Policy referenced above. Additionally, by submitting Your application to obtain an account with Us (“Account”), You signify that You have read, understood, and agree to be bound by, the Deposit Account Agreements of the banking service provider for Your Account. You also agree to receive notices and other communications from Us electronically.

We reserve the right at any time to change: (i) these Terms of Use; (ii) this Site, including terminating, eliminating, supplementing, modifying, adding, or discontinuing any content or feature or data or service on or available through this Site or the hours that they are available; (iii) the equipment, hardware or software required to use and access this Site, and (iv) availability of our services.  We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site or of any services available on the Site.

Any changes we make to these Terms of Use will be effective 30 days after notice, which We may provide by any means including, without limitation, posting on this Site.  Your continued use of this Site after such notice will be deemed acceptance of such changes.  Be sure to return to this Site periodically to ensure You are familiar with the most current version of these Terms of Use.

You may not interfere with the security of, or otherwise abuse this Site or any system resources, services or networks connected to or accessible through this Site.  You may only use this Site for lawful purposes.

1. JURISDICTION

If You are residing in a jurisdiction that restricts the ability to enter into agreements such as set out in these Terms of Use, You may not enter into this Agreement or use this Site.

Furthermore, if You are residing in a jurisdiction where it is forbidden by law to participate in the activities or services offered by this Site, You may not enter into this Agreement or use this Site.  By using this Site, You are explicitly stating that You have verified in Your own jurisdiction if Your use of this Site is allowed.

We make no representation that materials in this Site are appropriate or available for use in all locations.  If You choose to access the Site You do so on Your own initiative and at Your own risk, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

We reserve the right to limit the availability of the Site, materials, or other products described or offered thereon to any person, geographic area, or jurisdiction We so desire, at any time and in Our sole discretion, and to limit the quantities of any such services, materials, or other product provided.

2. GENERAL CONDITIONS AND DISCLAIMERS

We reserve the right to refuse service to anyone at any time.  

WireBee shall have no liability for interruptions or omissions in Internet, network or hosting services and does not warrant that the Site or the services which make this Site available or electronic communications sent by WireBee are free from viruses or any other harmful elements.  

Any material downloaded or otherwise obtained through the use of this Site is done at Your own discretion and risk.  You will be solely responsible for any damage to Your computer system or loss of data that results from the download of any such material.

Occasionally there may be information on our Site that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Site or on any related website is inaccurate at any time without prior notice.

We undertake no obligation to update, amend or clarify information in the Site or on any related website except as required by law. No specified update or refresh date applied in the Site or on any related website, should be taken to indicate that all information in the Site or on any related website has been modified or updated.

3. PRIVACY

WireBee is committed to respecting the privacy of the personal information of the individuals with whom We interact.  We have developed a Privacy Policy to describe Our privacy practices and how We collect, use and disclose the personal information of those individuals who visit this Site.  Please see our Privacy Policy for further information.

4. USER ACCOUNTS AND ACCURACY OF INFORMATION

In order to access and use the Services available on this Site, you may be required to open and maintain an Account with Us. Your Account gives You access to certain Services, including a deposit account ("Deposit Account") provided by one of Our financial institution providers ("Banking Provider"), and any other functionality that We may establish and maintain from time to time and in Our sole discretion. During the registration process, We will collect personal information that You provide. All of the information You provide to Us or that We collect from You in connection with Your use of the Site will be governed by this Agreement and our Privacy Policy. You agree at all times to: (i) provide accurate, current and complete information about Yourself as prompted by Our registration form or otherwise; and (ii) maintain and update Your information (including Your e-mail address) to keep it accurate, current and complete. You acknowledge that, if any information provided by You is untrue, inaccurate, not current or incomplete, We may terminate Your Account and Your ability to use this Site and, in our sole discretion, to report You to the appropriate authorities.

You understand and agree that, in addition to the foregoing restrictions, We reserve the right to change, remove, alter or delete any Account at any time and for any reason in our sole discretion. You must specify at least one administrator to manage your Account (“Administrator”) when submitting your Application. Administrators can add, remove, or manage additional Administrators and users (“Users”); request and manage Cards for Users; view transactions and run reports; provide or update company information; connect third-party services, and other accounts to Your Account; and perform other tasks to manage Your Account. You are responsible for any actions or failure to act on the part of Administrators or Users, or those using their credentials to access Your Account. You are solely responsible for the activity that occurs on Your Account, and You must keep your Account password secure. We encourage You to use "strong" passwords (for recommendations on what constitutes a strong password, check the National Institute of Standards and Technology (NIST)) with Your Account. You will be responsible for the confidentiality and use of Your username and password and agree not to transfer Your right to use or access this Site via Your username or password to any third person.  You are responsible for all activities that are conducted through Your Account. You agree to notify us immediately of any unauthorized use, theft or misappropriation of Your Account, username, or password.  We shall not be liable for any loss that You incur as a result of someone else using Your username or password, either with or without Your knowledge.

Information submitted by You will be transmitted to and shared with Our banking providers and other third-party service providers that may be located in other countries, in order to provide Services to You, including but not limited to transaction processing and fraud prevention.

5. USER CONTRIBUTIONS

The Site may allow You to submit, communicate, upload, or otherwise make available ideas, suggestions, messages, documents, proposals, photographs, audio, video, and other content (“User Content”), which may be accessible and viewable by other users of the Site and used by WireBee in providing you Services. You alone are responsible for Your User Content, and once published, it cannot always be withdrawn. You assume all risks associated with Your User Content, including anyone’s reliance on its accuracy and Your right to publish it. You represent that You own, or have the necessary permissions to use and authorize the use of Your User Content as described herein. You may not imply that Your User Content is in any way sponsored or endorsed by WireBee.

You may not submit or upload User Content that is defamatory, harassing, threatening, bigoted, hateful, violent, vulgar, lewd, offensive, indecent, obscene, pornographic, or otherwise offensive or that harms or can reasonably be expected harm any person or entity (such User Content, “Offensive User Content”), whether or not such material is protected by law. You agree that You will not use Your Account or any Site to publish or disseminate, or allow any other person to use Your Account to publish, republish, or disseminate, any Offensive User Content, nor use profanity in any posting to any Site.

You may also expose Yourself to liability to WireBee or third parties if, for example, You hold an Account and User Content contains material that is false, intentionally misleading, or defamatory; violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; contains material that is unlawful, including illegal hate speech or pornography; exploits or otherwise harms minors; or violates or advocates the violation of any law or regulation. If You comment about an experience with WireBee or any third party, or write defamatory or inflammatory comments through the Site (or repeat, copy, or redistribute the defamatory or inflammatory comments of others), You could also expose Yourself to liability.

We may use Your User Content in a number of different ways, including publicly displaying and reformatting it. As such, You hereby irrevocably grant us world-wide, non-exclusive, royalty-free, transferable rights to use your User Content for any purpose associated with the operation of the Site and for our internal tracking, reporting, and data analysis purposes, without limit as to time, manner, and frequency of use, without further notice to You, with or without attribution, and without the requirement of permission from or payment to You or any other person or entity. You also irrevocably grant the users of the Site the right to access Your User Content in connection with their use of the Site. Finally, You irrevocably waive, and cause to be waived, against WireBee and its users, any claims and assertions of moral rights or attribution with respect to User Content. By “use” We mean use, copy, publicly perform or display, distribute, modify, translate, and create derivative works of User Content.

We reserve the right to remove, screen, edit, or reinstate your User Content from time to time at our sole discretion and without notice to You. By submitting User Content to WireBee through its suggestion or feedback webpages, via email, or otherwise, You acknowledge and agree that: (a) User Content does not contain confidential or proprietary information; (b) WireBee may have something similar to the User Content already under consideration or in development; (c) We have no obligation to retain or provide You with copies of user Content, nor do We guarantee any confidentiality with respect to Your User Content.

You understand that User Content and account information may be transferred unencrypted and involve (a) transmissions over various networks, and (b) changes to conform and adapt to technical requirements of connecting networks or devices.  Credit card information is always encrypted during transfer over networks.

6. PERSONAL USE ONLY

This Site is only for personal or internal business use.  You may not use this Site in any way that is unlawful, or harms WireBee or any other person or entity, as determined in Our sole discretion.

7. LINKING BANK ACCOUNTS; CONSENT TO ACCESS BANK ACCOUNT DATA

If enabled by WireBee for Your Account, You may link an account with Us or an external account at a third-party financial institution for online transfers between Your linked account(s) and Your Account. If enabled by WireBee, You may link Your external account(s) with Your Account by (i) logging into Your financial institution on the Site, or (ii) by providing the account and routing details for the external account and verifying the two (2) micro deposits We send to Your external account(s) the next business day. We may also verify Your control of the external account by requiring You to submit proof of ownership of the external account(s). All linked accounts must be with financial institutions in the United States. We may decline the use of any external account that We believe may present a risk to You and/or Us. By linking Your external account to Your Account, and by subsequently logging into Your linked account(s) through the Site, You authorize Us to view Your account history and profile, including but not limited to, Your account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and You understand this information may be used to transact on Your behalf and perform other services subject to Our Privacy Policy. When adding an external account, You represent and warrant that You are the owner of and have the right to access, use, and authorize Us to use the account for information and funds transfer purposes. If any of Your linked accounts has a joint account holder, You represent and warrant that the joint account holder has consented for You to represent for both You and them, and to use that external account with the WireBee Service. If You do not have such consent, You should not use that external account and We will terminate Your use of the linking service if We are notified of such a situation. If You close any of Your external accounts, You are responsible for removing it as an account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by the external financial institution or other provider of any linked external bank account, including, without limitation, any modification, interruption, or discontinuance of any linked external bank account by such financial institution, service provider, or WireBee.

8. CODE OF CONDUCT

You agree that You will not attempt to, nor permit any third party to, enter restricted areas of WireBee's computer systems or perform functions that You are not authorized to perform pursuant to this Agreement.  While using this Site You agree to comply with all applicable laws, rules and regulations (including, but not limited to, export/import laws and laws relating to privacy, obscenity, copyright, trademark, confidential information, trade secret, libel, slander or defamation).  You shall not interfere with or disrupt the Site, Our servers, or Our networks, or take any action that imposes unreasonably or disproportionately large load on Our infrastructure.

9. COPYRIGHT INFRINGEMENT

If You know or suspect that any of the materials on the Site have been used or copied in a way that constitutes copyright infringement, please send notice to Our designated agent identified below.  According to the U.S. Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(3), Your notice must comply with the following requirements:

1. A physical or electronic signature of the copyright owner or person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a notification, a representative list of such works at that site;

3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;

4. Information reasonably sufficient to permit us to contact You, such as address, telephone number, and, if available, an electronic mail address at which You may be contacted;

If You know or suspect that any of the materials on the Site have been used or copied in a way that constitutes copyright infringement, please send notice to Our designated agent identified below.  According to the U.S. Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(3), Your notice must comply with the following requirements:

5. A statement by You that You have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owners, its agent or the law; and

6. A statement that the information in the notification is accurate and under penalty of perjury, that You are the copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

The designated agent for notice of copyright infringement claims may be reached as follows:

info@wirebee.com

The preceding information is provided exclusively for notifying WireBee that Your copyrighted material may have been infringed.  All other inquiries, such as product related questions and requests or concerns regarding improper postings and/or content, will not receive a response through this process.

10. AVAILABILITY

This Site is only for personal or internal business use.  You may not use this Site in any way that is unlawful, or harms WireBee or any other person or entity, as determined in Our sole discretion.

11. CURRENCY OF WEBSITE

WireBee updates the information on this Site periodically. However, WireBee cannot guarantee or accept any responsibility or liability for the accuracy, currency or completeness of the information on this Site. WireBee may revise, supplement or delete information, services and/or the resources contained in this Site and reserves the right to make such changes without prior notification to past, current or prospective visitors.

12. LINKED WEBSITES

This Site may provide links to third party websites for your convenience only, and that are not owned or controlled by WireBee.  The inclusion of these links does not imply that WireBee monitors or endorses these websites or their respective practices. WireBee does not accept any responsibility for such websites. WireBee shall not be responsible or liable, directly or indirectly, for any damage or loss, caused or alleged to be caused by or in connection with the use of or the reliance upon any information, content, goods or services available on or through any third-party websites or linked resources.  This Agreement and our Privacy Policy do not apply to Your use of any third-party websites, so be sure to review any applicable terms and policies of third-party websites.

13. INTERNET SOFTWARE OR COMPUTER VIRUSES

Due to technical difficulties with the Internet, Internet software or transmission problems could produce inaccurate or incomplete copies of information contained on this Site.  Due to the ability to share certain content and materials, computer viruses or other destructive programs may also be inadvertently downloaded from this Site.

WireBee shall not be responsible or liable for any software, computer viruses or other destructive, harmful or disruptive files or programs that may infect or otherwise impact Your use of Your computer equipment or other property on account of Your access to, use of, or browsing on this Site or Your downloading of any user materials or other content from this Site. WireBee recommends that You install appropriate anti-virus or other protective software.

14. OUR MATERIALS

This Site is owned and operated by WireBee in conjunction with others pursuant to contractual arrangements.

Unless otherwise specified, all materials appearing on this site, including the text, site design, logos, graphics, icons, and images, as well as the selection, assembly and arrangement thereof, are the sole property of WireBee and its licensors.  ALL RIGHTS RESERVED.  

WireBee may make certain content, software or other electronic materials (including all files, text, URLs, video, audio and images contained in or generated by such materials, and accompanying data) (collectively "WireBee Materials") available to You from this Site, from time to time. If You download or use WireBee Materials, You agree that such materials are licensed for Your limited personal use only and not sold or assigned and: (i) may only be used for Your personal and non-commercial use, (ii) may not be modified, used to create a derivative work, incorporated into any other work or otherwise exploited without WireBee's prior written permission, and (iii) shall be only be used in compliance with any additional license terms accompanying such materials.  WireBee does not transfer either the title or the intellectual property rights to the WireBee Materials and retains full and complete title to the WireBee Materials as well as all intellectual property rights therein. You agree not to sell, share, redistribute, or reproduce the WireBee Materials. You further agree not to decompile, reverse-engineer, disassemble, or otherwise convert any compiled WireBee Materials into a human-perceivable form. WireBee or its licensors own all related trademarks and logos, and You agree not to copy or use them in any manner.

All rights not expressly granted herein are reserved by WireBee.  Any unauthorized use of the materials appearing on this Site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.

This Site, (including its organization and presentation and WireBee Materials) is the property of WireBee and its licensors and may be protected by intellectual property laws including laws relating to copyrights, trade-marks, trade-names, internet domain names and other similar rights.

15. WIRE TRANSFER DISCLOSURE

Wire transfers are electronic transfers, considered remittance transfers under U.S. law, between two financial institutions. WireBee must provide the following disclosures to You and implement security procedures as detailed below. This is to ensure You understand the risks associated with initiating a wire transfer, and the finality of the transaction.

1. Time Restrictions.
Daily time restrictions for wire acceptance should be noted in disclosures and an FAQ page. 10:00AM  PST is the cut off time for international wires; 1:00PM PST is the cut off time for domestic wire transfers. Any wire transfer instructions received after these times will be processed the following business day.

2. Security Procedures.
You will be required to use a Two-Factor Authentication control, in addition to Your login, to authorize a wire transfer. Additionally, You must agree that this control is an appropriate security procedure, designed to verify the authenticity of the order, and not to detect errors in transmission.

3. No Cancellation.
All wire requests are final and are not subject to recall orders or stop payments.

4. Payment Order.
You may only initiate a wire transaction via WireBee’s Site. You are solely responsible for the accuracy of the information contained in the payment order. The wire transaction will be completed relying exclusively on the information provided.

5. Authorization to Transfer Funds
Via the wire services, You must authorize WireBee’s partner bank(s) to execute payment orders on Your behalf and to debit Your account specified in the payment order for the amount of the wire transfer.

16. USER LIABILITY FOR UNAUTHORIZED EFT'S

Your liability for an unauthorized EFT or a series of related unauthorized EFT’s shall be determined as follows:

(1) If You notify Us within two (2) business days after learning of the loss or theft of the access device, Your liability shall not exceed the lesser of $50 or the amount of unauthorized EFT’s that occur before notice to Us.

(2) If You fail to notify Us within two (2) business days after learning of the loss or theft of the access device, Your liability shall not exceed the lesser of $500 or the sum of:(i) $50 or the amount of unauthorized EFT’s that occur within the two business days, whichever is less; and(ii) The amount of unauthorized EFT’s that occur after the close of two (2) business days and before notice to Us, provided We establish that these EFT’s would not have occurred had You notified us within that two-day period.

(3) You must report an unauthorized EFT that appears on a periodic statement within sixty (60) days of Our transmittal of the statement to avoid liability for subsequent transfers. If You fail to do so, Your liability shall not exceed the amount of the unauthorized EFT’s that occur after the close of the sixty (60) days and before notice to Us, and that We establish would not have occurred had You notified Us within the sixty-day period. When an access device is involved in the unauthorized EFT, You may be liable for other amounts set forth in paragraphs (1) or (2) of this section, as applicable.

(4) If Your delay in notifying Us was due to extenuating circumstances, We shall extend the times specified above to a reasonable period.

(5) Required Notices.

(i) Notice required by this Section is given when You takes steps reasonably necessary to provide Us with the pertinent information, whether or not one of Our employees or agents actually receives the information.

(ii) You may notify Us in person, by telephone, or in writing, using the following contact information:16781 Chagrin Blvd Suite 421 Shaker Heights, OH 44120888-894-7323Our business hours are: Monday to Friday 9am-4pm EST

(iii) Written notice is considered given at the time You mail the notice or deliver it for transmission to Us by any other usual means. Notice may be considered constructively given when We become aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from Your account has been or may be made.

(6) If state law or an agreement between Us imposes less liability than is provided by this Section, Your liability shall not exceed the amount imposed under the state law or agreement.

17. ADDITIONAL NOTICES AND DISCLOSURES

We reserve the right to make modifications to these Terms of Service at any time and for any reason. We may assess Fees for some Services, including periodic fees, usage fees, late or failed payment fees, service fees, fees for misuse of your WireBee Account or Services, fees applicable to certain transactions, or other fees we disclose to you In the event that a change to our Terms of Service will result in an increase of fees, an increase of liability to our users, fewer types of electronic funds transfers or stricter limitations not he frequency or dollar amount of transfers, you will be notified via email 30 days before the effective date.

You acknowledge and agree that a fee may be imposed by an automated teller machine operator when You initiate an EFT or make a balance inquiry, and by any network used to complete such transactions.

If an EFT service is added to Your account and is subject to terms and conditions different than those described herein, We will provide you with disclosures for the new service.

WireBee reserves the right to cancel or suspend user transactions due to fraud or compliance related concerns.

Credit Reporting

We may report Company payment history and performance to one or more credit reporting agencies.

18. YOUR RIGHTS TO RECEIVE RECEIPTS AND PERIODIC STATEMENTS

Receipts

Each time you make an EFT at an automated terminal, you will be issued a receipt setting forth the amount, date and type of transfer, a number or code that identifies your account(s), the location of the terminal, and the name of any third party to or from whom funds are transferred.  

Periodic Statements

For any account to or from which EFTs can be made, and except where not required by 12 CFR § 205.9(c), we will send you statements for each month in which an EFT has occurred and at least quarterly if no transfer has occurred.  These statements will include the following information as applicable, transaction information, account number, fees assessed during the statement period,  account balances, an address and telephone number to be used for inquiries or notice of errors.

Exceptions

Note that failure to provide a receipt or periodic statement in accordance with this Section 18 will not be a violation of these Terms or applicable law if the transfer is not initiated within a U.S. state and We treat any inquiry for clarification or documentation as a notice of error in accordance with applicable law.

19. NOTICES REGARDING PREAUTHORIZED TRANSFERS

Notice

If You initiate preauthorized EFTs to Your account at least once every 60 days, we will either provide you with: (i) notice that the transfer has occurred within 2 business days following its occurrence; (ii) notice that the transfer did not occur within 2 business days after the date on which the transfer was scheduled; or (iii) a readily available telephone number that You may call to determine whether the transfer occurred.  

Differing Amounts

If a preauthorized transfer will vary in amount from the previous transfer under the same authorization, You will receive written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer.  You may elect to receive this notice only when a transfer falls outside a specified range of amounts or only when a transfer differs from the most recent transfer by more than an agreed-upon amount.

Timing

We will credit the amount of the transfer as of the date the funds for the transfer are received.

Your Right to Stop Payment

You can stop payment of a preauthorized EFT by notifying us orally or in writing at least 3 business days before the scheduled date of the transfer.  We may require you to give us written confirmation of a stop payment order within 14 days of an oral notification.  If we require such written confirmation, we will inform You of this requirement and provide the address where confirmation must be sent when You give the oral notification.  In this case, an oral stop payment order ceases to be binding after 14 days if You fail to provide the required written confirmation.

20. ERROR RESOLUTION

In Case of Errors or Questions About Your Electronic Transfers Telephone us at 888-894-7323 Write us at support@wirebee.com as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).

(2) 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.

(3) Tell us the dollar amount of the suspected error.

If you tell 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 more 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 ask for copies of the documents that we used in our investigation.

21. NOTICE OF CHANGES IN TERMS

We will mail or deliver a written notice to You, the consumer, at least twenty-one (21) days before the effective date, of any change in a term or condition required to be disclosed to You under applicable law if the change would result in: (i) an increase in Your fees; (ii) an increase in Your liability; (iii) fewer types of available EFTs; or (iv) stricter limitations on the frequency or dollar amount of transfers.

Note that we will not make this notice if an immediate change in terms or conditions is necessary to maintain or restore the security of an account or an EFT system. If We make such a change permanent and disclosure would not jeopardize the security of the account or system, We will notify You in writing on or with the next regularly scheduled periodic statement or within thirty (30) days of making the change permanent.

22. DISCLAIMER OF WARRANTIES

THIS SITE, THE SERVICES WIREBEE PROVIDES, AND THE WIREBEE MATERIALS ARE PROVIDED "AS IS" WITHOUT REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED REPRESENTATIONS, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WIREBEE DOES NOT REPRESENT OR WARRANT THAT THIS SITE, THE SERVICES, OR THE WIREBEE MATERIALS WILL MEET YOUR REQUIREMENTS OR THAT THEIR USE WILL BE SECURE, UNINTERRUPTED OR ERROR FREE.  SOME STATES AND JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.  WHEN THE IMPLIED WARRANTIES ARE NOT ALLOWED TO BE EXCLUDED IN THEIR ENTIRETY, THEY WILL BE LIMITED TO THE SHORTEST DURATION PERMITTED BY LAW.  YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE-TO-STATE.

23. LIMITATION OF LIABILITY

YOU ASSUME ALL RESPONSIBILITY AND RISK FOR USE OF THIS SITE AND THE WIREBEE MATERIALS INCLUDING WITHOUT LIMITATION ANY OF THE INFORMATION CONTAINED THEREIN.

IN NO EVENT SHALL WIREBEE OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, PARTNERS, OR AGENTS BE LIABLE FOR ANY DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, CONSEQUENTIAL OR OTHER SIMILAR DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOSS OF PROFITS, INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR ANY OTHER PECUNIARY LOSS) IN CONNECTION WITH ANY CLAIM, LOSS, DAMAGE, ACTION, SUIT OR OTHER PROCEEDING ARISING UNDER OR OUT OF THIS AGREEMENT, INCLUDING WITHOUT LIMITATION YOUR USE OF, RELIANCE UPON, ACCESS TO, OR EXPLOITATION OF THIS SITE, THE WIREBEE MATERIALS OR ANY PART THEREOF, OR ANY RIGHTS GRANTED TO YOU HEREUNDER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER THE ACTION IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHERWISE. SOME STATES AND JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

24. INDEMNIFICATION

You agree to, upon request, defend, indemnify and hold harmless WireBee and its subsidiaries, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers and directors, Our Banking Providers, and Our third-party service providers, from any and all liabilities, claims, losses and expenses, including attorneys' fees, which arise directly or indirectly from, or relate to: (1) any breach of this Agreement for which You are responsible; (2) Your use of this Site or Services, including any data or content transmitted or received by You; (3) Your violation, infringement, or misappropriation of the intellectual property, proprietary or other rights of any third party; (4) Your violation of any applicable law, rule, or regulation; (5) Your intentional misconduct; or (6) any other party’s access and use of the Services with Your Unique username, password, or other appropriate security code. WireBee reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You, and You shall not in any event settle any such matter without the prior written consent of WireBee.  This indemnification section will survive any termination or expiration of this Agreement.

25. CONTACTING WIREBEE

If You need to contact Us regarding this Site, Our Application, or this Agreement, please e-mail Us at support@wirebee.com. You can also contact Us via telephone at 888-894-7323.

Bank services are provided through our banking software provider, Synapse. To report a complaint relating to the bank services, email help@Synapsefi.com

26. DOWNLOADING THE APP

We make the App available through the Google Play Store or Apple App Store. The following terms apply to the App when accessed through or downloaded from the Apple App Store where the App may now or in the future be made available. You acknowledge and agree that:

1. This Agreement is between You and WireBee, and not with Apple, and WireBee (not Apple) is solely responsible for the App. Apple has no obligation to furnish any maintenance and support services with respect to the App.

2. In the event of any failure of the App to conform to any applicable warranty, You may notify Apple, and Apple will refund the purchase price for the App to You (if applicable) and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of WireBee.

3. Apple is not responsible for addressing any claims You have or any claims of any third party relating to the App or Your possession and use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

4. In the event of any third-party claim that the App or Your possession and use of that App infringes that third party’s intellectual property rights, WireBee will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by this Agreement.

5. Apple and its affiliates are third-party beneficiaries of this Agreement as related to Your license to the Apps, and that, upon Your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement as related to Your license of the App against You as a third-party beneficiary thereof.

6. You represent and warrant that (i) You are 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; (ii) You are not listed on any U.S. Government list of prohibited or restricted parties; (iii) You are not an individual, or associated with an entity, designated under the UK’s Terrorist Asset-Freezing etc. Act 2010 (TAFA 2010); and (iv) You are not otherwise subject to or affected in any way by any national security or terrorism related rules whether applicable to you personally or to your location or other circumstances.

7. You must also comply with all applicable third-party terms of service when using the App.

27. MISCELLANEOUS

This Agreement is governed by and construed in accordance with the laws of the State of Ohio and the United States, without regards to their respective principles of conflicts of law.  You agree to the exclusive personal jurisdiction by the federal and state courts located in Cuyahoga County in the State of Ohio, United States of America, in any matter arising from or related to this Agreement and Your use of the Site and You waive any jurisdictional, venue, or inconvenient forum objections to such courts.

If any provision of this Agreement is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.

This Agreement sets out the entire agreement between You and WireBee relating to the subject matter herein and supersede any and all prior or contemporaneous written or oral agreements between You and WireBee. This Agreement is not assignable, transferable or sub-licensable by You except with WireBee’s prior written consent.  This Agreement provides only for the use of this Site. This Agreement shall not be construed as a teaming, joint venture, or other such arrangement, unless the parties expressly and explicitly execute an agreement to that effect.  No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.  Any heading, caption or section title contained in this Agreement is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof.