Adjustments may be made to the Card Account to reverse an error, reflect a merchant adjustment, or resolve a dispute regarding a transaction posted to the Card Account. The world’s smartest corporate card, with the highest spend and safest limits, guarded by our industry-first daily settlement and realtime compliance features. “Access Information” means collectively a PIN, online user name, password, challenge questions, and any other security information used to access a Business Account or Card Account. 5.3.   Business Account Owner Must Keep Contact Information Current With Us. Go paperless with Expensify and Xero for all your receipt and expense management needs. Each time Authorized User uses a Card, Business Account Owner and Authorized User authorizes us to reduce the value available in the Card Account by the amount of the transaction and any applicable fees. Travel booking: … We may add to, delete, or amend this Agreement at any time in our sole discretion without providing notice to Business Account Owner, a Business Administrator or Authorized User subject to applicable law. 6.14  Transactions in Foreign Currencies. When a Business Administrator notifies us to revoke such permission, we will close the Card Account and Authorized User may no longer use the Card. 6.4.1  The funds available for funding the Business Account are limited to the available funds that have been deposited by Expensify at Bank. 5. Transactions approved and processed with the Card may only be used to purchase goods and services for business purposes only and not for personal, family or household purposes. You never have to worry about getting a supersized bill at the end of the month, because your organization’s finances are up-to-date, every single day. This Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. A Business Administrator may change the Settings from time to time via the Website without an Authorized User’s consent. The Expensify Card only allows daily settlement, as Expensify isn’t a lender. The Card allows Authorized Users to access funds allocated to the Card Account by the Business Administrator, subject to the limitations established by the Business Administrator. 6.19 Transaction Restrictions. 6.32  Severability and Waiver. You agree that any notice or communication sent to you at an address noted in our records shall be effective unless we have received an address change notice from you. For example, 50 cardholders running on the $9 monthly plan will cost the company $5,400 each year. We need your consent to our privacy policy. Failure to do so may result in information regarding the Card, Business Account or Card Account being delivered to the wrong person or your transactions being declined. An Authorized User may use a Card to make purchases at any merchant that accepts Visa debit cards or debit cards of other networks in which the Bank participates, subject to the available Card Account balance, the transaction limits and transaction restrictions outlined below, and the other terms and condition of this Agreement. However, there are some exceptions. The Card cannot be redeemed for cash. A Business Account Owner, a Business Administrator and Authorized Users may contact us online at the Website or by writing us at concierge@expensify.com. “Current Version” means a version of the software that is currently being supported by its publisher and that accurately reads and displays PDF files. When the Business Account Owner enters into an Expensify Agreement for Expensify expense management and other services, Expensify will deposit funds at Sutton Bank. Instead of prepaid debit cards for homeless people, he pivoted to making prepaid debit cards for employees. Authorized User agrees to retain, verify, and reconcile Card transactions and receipts. Any withdrawal of Business Account Owner’s consent to receive Communications electronically will be effective only after we have a reasonable period of time to process Business Account Owner’s withdrawal. Business Account Owner will further be responsible for any transactions made and any fees incurred by the Authorized User even if the Authorized User exceeds the scope of the authority granted to such Authorized User by Business Account Owner. Business Account Owner, Business Administrators and Authorized Users agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts. Business Account Owner understands and agrees that, by agreeing to these Terms: YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT RESOLVE ANY DISPUTE BETWEEN YOU AND US; and. Business Account Owner will not receive any interest on the funds in the Business Account or any Card Account. “Business Administrator” means any designated person authorized by the Business Account Owner to administer the Business Account and associated Card Account(s) and/or act on Business Account Owner’s behalf in connection with these Terms, including without limitation designating Authorized Users, funding Card Accounts, and setting Card Account limitations (See Section 5.2 – Qualifying For and Establishing Business Account and Card Accounts). Upon the suspension or cancellation of a Card Account, the Authorized User may no longer be able to use the Card Account or the associated Card. If the Business Administrator’s mobile device number or text message address changes, the Business Administrator must promptly provide and verify the new mobile device number or text message address. With Expensify, it's faster than ever to review expenses, reimburse employees, and close your books each month. Expense management: Expensify codes and submits business expenses for easy approval, next-day reimbursement, and automatic sync with accounting software. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. A Business Administrator or Authorized User may activate a Card on the Website by going to expensify.com/activate. “Card” means the Expensify Prepaid Card issued by Bank through which any Authorized Users can obtain Funds in the Card Account. The Business Account is an account made available to the Business Account Owner to facilitate the issuance of Cards that may be used by Authorized Users for commercial business purposes. The Card is not a gift card, nor is it intended to be used for gifting purposes. Business Account Owner is responsible for all transactions initiated and fees incurred by use of a Card and Card Account. If an Authorized User uses a Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if Authorized User used the Card itself. The applicable exchange rate will be selected Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. What this means for the business owner and business administrators: when a Business Account Owner opens a Business Account, we will ask for the name, address, employer identification number and organizational documents of the Business Account Owner and the names, addresses, dates of birth, and other information concerning each Business Administrator and Principle Owner that will allow us to identify the business account owner and its Business Administrator and Principle Owners. 7.1    Contact Information for Customer Service. Prior to distributing a Card to an Authorized User, Business Account Owner shall be responsible for ensuring that each Authorized User (i) is a United States citizen or permanent resident of at least 18 years of age (or older if residing in a state where the majority age is older) or authorized to work in the U.S.; (ii) agrees to the Bank’s Privacy Policy; (iii) agrees to the terms of this Agreement; and (iv) provides or agrees that a Business Administrator may provide all requested information, such as the Authorized User’s name, email address, and such other information as we may request from time to time (collectively, “User Information”). 6.39  LIMITATION OF LIABILITY. “Business Account” means the records we maintain to account for the value for the funds available for associating with Cards issued at Business Account Owner’s or any Business Administrator’s request and the Card Accounts for such Cards. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. 6.3    Program Description. “We,” “us,” and “our” mean Bank and its successors, affiliates, and assignees. You are about to post a question on finder.com: Subscribe to the Finder newsletter for the latest money tips and tricks. These Expensify Card Program Terms and Conditions (these “Terms”) represent an agreement between each Business Account Owner and Bank that governs the Expensify Card Program (each term as defined below). The Business Administrator will be authorized to limit or restrict the activity on all Cards with or without the consent of any Authorized User. And because the card requires daily purchase settlement, you won’t get the 30- to 60-day grace period you’ll find with other business products. We may disclose information to third parties about Business Account Owner, and any Business Administrator, and Authorized User, Card and Card Account, and transactions related thereto: (a) as necessary to effect, administer, or enforce a transaction requested or authorized by a Business Administrator or Authorized User; (b) with Business Account Owner’s, Business Administrator’s, or relevant Authorized User’s consent; (c) to protect against or prevent actual or potential fraud, unauthorized transactions, or other liability; (d) to comply with government agency or court orders; (e) as permitted and required by applicable law; and (f) as otherwise provided in Bank’s Privacy Policy. Arbitration will be subject to the Federal Arbitration Act and not any state arbitration law. 2x points on Southwest Airlines and 1x points on all other purchases. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Email Expensify at  concierge@expensify.com as soon as a Business Administrator or Authorized User can if the Business Administrator or Authorized User thinks an error has occurred involving the Card Account. It also provides spend controls and card limits on unapproved expenses which allow businesses to manage cash flow and ensure compliance with the policy. Will Expensify set limits to how much I can spend on my card? Only funds in the Business Account may be allocated to a Card Account and accessed utilizing a Card. Then it automatically creates expense reports and reimburses employees from your connected bank account. Input your current credit card balance and interest rate to calculate your potential savings. Payments should be mailed to us at 401 SW 5th Avenue, Portland OR 97204or the address stated in the applicable notice. 6.17  Merchant Holds on Available Funds. Authorized User agrees to promptly notify us in writing of changes to any User Information. Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month. Expensify will disclose any Fees to you when opening your Business Account through its Website. If Authorized User does not have sufficient funds in the Card Account, Authorized User can request that the merchant charge a part of the purchase to the Card and pay the remaining amount with cash or another card. Business Account Owner may withdraw their consent to receive further Communications electronically at any time by contacting us at concierge@expensify.com. Except where agreed upon in writing executed between you and Expensify, Expensify may change Fees upon thirty days’ notice to you. 6.41  DISPUTE RESOLUTION BY BINDING ARBITRATION. Business Account Owner’s consent to receive Communications electronically will remain in effect until Business Account Owner withdraws it. By accepting and agreeing to these Terms electronically, Business Account Owner represents that: (1) Business Account Owner has read and understands this consent to use electronic signatures and to receive Communications electronically; (2) Business Account Owner satisfies the minimum hardware and software requirements specified below; and (3) Business Account Owner’s consent will remain in effect until Business Account Owner withdraws their consent as specified below. Business Account Owner shall be responsible for notifying the Business Administrator and Authorized Users of their authority and obligations under these Terms and for ensuring that the Business Administrator and each Authorized User complies with these Terms. Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. Business Account Owner’s Card(s), Business Account and Card Account may be terminated by us in the event a change of control, reorganization, restructuring, conversion, consolidation, division or merger of Business Account Owner. Learn how Expensify helped South African company, Zoona, save 40 hours on their expense management process. Please be advised that Authorized User may experience difficulties using a Card at unattended vending machines, kiosks, and gas station pumps. Authorized User is not allowed to exceed the amount of the available funds in the Business Account or allocated to his or her Card Account, whichever is less, through an individual transaction or a series of transactions. An Authorized User cannot use a card to perform transactions until the Business Administrator or Authorized User has activated the card and, in the case of a PHYSICAL CARD, selected a PERSONAL IDENTIFICATION NUMBER (“PIN”) pursuant to these terms. 6.40  NOTIFICATION OF CHANGES. 6.10  Revocation of Authorized User Privileges. The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card itself doesn’t have an annual fee but the Expensify service costs either $5 per user per month or $9 per user per month for a subscription depending on the features you want. Suddenly, investors came out of the woodwork. 6.38  NO WARRANTY OF AVAILABILITY OR UNINTERRUPTED USE. We must hear from a Business Administrator or Authorized User no later than 60 days after the date the error occurred. You’re welcome to apply with any credit score, but there must be sufficient funds in your bank account to settle purchases daily. If a Card is declined at a “pay at the pump” gas station even though Authorized User has sufficient funds available, Authorized User should pay for the purchase inside with the cashier. An Authorized User should get a receipt for each Card transaction. Please note that Business Account Owner’s withdrawal of consent to receive Communications electronically will not apply to Communications electronically provided by us to Business Account Owner before the withdrawal of Business Account Owner’s consent becomes effective. New Settings and changes to existing Settings will be effective only after we have a reasonable period of time to process the new settings or changes. If you make your email account available to any other individual, you agree that you are responsible for any release of any Account information to such individual. It’s powered by smart real-time notifications. In such event, we shall not be responsible for any resulting misuse of funds available in the Business Account or Card Account. For example, a Business Administrator may establish Settings that limit the amount of funds that may be allocated to a Card Account, the categories of purchases that may be authorized for a Card Account, or the amount of transactions that may be performed with a Card in a day or month. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver. Add the card to your Apple Wallet for contactless payments. This Cardholder Agreement is effective August 30, 2019. Cancellation or suspension of this Agreement will not affect any of our rights or Business Account Owner’s, or any Business Administrator’s or Authorized User’s obligations arising under this Agreement prior to such cancellation or suspension. You can easily see details such as transaction amounts, transaction dates and purchase categories. “Expensify Card Program” or “Program” means the program through which Bank issues one or more Cards to Business Account Owner for use by Authorized Users to assist the Business Account Owner in managing corporate expenses. Always protect the Card and keep it in a safe place. The funds subject to the hold will not be available to Business Account Owner or Authorized User for any other purpose until the merchant sends us the final transaction amount. 60 days after the date the error occurred for expense management easier by automatically uploading transaction details to Apple! 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