The following terms of service are terms of a legal agreement (the “Agreement”) between you (“you”, “your”, or “user”) and Dave Operating LLC, its subsidiaries, affiliates, agents and assigns (“Dave”, “we”, “us”, or “our”) which sets forth the terms and conditions for your use of Dave’s mobile application (“Mobile App”) and Dave’s website, dave.com, as well as the products and services offered, operated or made available by Dave through the Mobile App (collectively, the “Services”). The Mobile App, website and Services are owned and operated by Dave, and are being provided to you expressly subject to this Agreement. By accessing, browsing and/or using the Mobile App, dave.com or the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and Dave, and this Agreement governs your use of the Mobile App, dave.com and the Services.

THIS AGREEMENT ALSO INCLUDES, AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO SECTION 26 BELOW FOR MORE INFORMATION.

1. ACCEPTANCE OF AGREEMENT

Please carefully review this Agreement before using the Mobile App, dave.com or the Services, or accessing any data thereon. If you do not agree to these terms, you may not access or use the Mobile App, dave.com or the Services. To use Mobile App, dave.com or the Services and to accept the Agreement, you must be 1) a legal resident of the United States, 2) of legal age to form a binding contract with Dave, 3) not prohibited by law from using the Mobile App, dave.com or the Services.

2. MODIFICATION OF THIS AGREEMENT

Dave reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on its website, dave.com. You should check this Agreement on dave.com periodically for changes. All changes shall be effective upon posting. We will date the terms with the last day of revision. Your continued use of the Mobile App, dave.com or the Services after any change to this Agreement constitutes your agreement to be bound by any such changes. Dave may terminate, suspend, change, or restrict access to all or any part of the Mobile App, dave.com or the Services without notice or liability.

3. PRIVACY POLICY

Dave maintains a Privacy Policy, and it details how we handle and protect data. We fully incorporate our Privacy Policy into this Agreement. Note that we reserve the right to update the Privacy Policy at our discretion, and that any changes made to our Privacy Policy are effective when the updates are live on dave.com.

4. MINIMUM TECHNOLOGY REQUIREMENTS TO ACCESS SERVICES

To access and use the Mobile App and Services, you must have a mobile device with access to the Internet running either Apple iOS 10.3 or higher, or Android 4.1 or higher. You must also have a valid email address and sufficient storage space to install any required mobile application. Dave’s mobile applications are available on the Apple App Store (for Apple devices) and Google Play Store (for Android devices).

5. USER INFORMATION ACCURACY AND UPDATES

To access Dave’s Services, you must create a Mobile App user account with Dave. This process will include creation of a Login ID and password to access the Mobile App and the Services. When you sign up for a user account, you agree to provide accurate, current and complete information—such as your name, mailing address, and email address –as may be prompted by any registration forms available through the Mobile App, in connection with the Services or as otherwise requested by Dave for such information (“User Information”). You further represent that you are a legal owner of, and that you are authorized to provide us with, all User Information and other information necessary to facilitate your use of the Mobile App and Services. In order to use certain Services, Dave may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not respond to such inquiries or we cannot verify your identity, we can refuse to allow you to use the Mobile App and/or Services. Should any of your User Information change, you agree that you will update this information as soon as possible. To update your User Information, you may go to the Profile section of the Dave app, click on “Settings,” and update your User Information accordingly. Should you believe or have reason to believe that any of your User Information, including your Login ID and/or password, has been compromised, or that another person is accessing your user account through some other means, you agree to notify us as soon as possible at support@dave.com.

6. OVERVIEW OF SERVICES

Dave offers a variety of services and features collectively referred to in this Agreement as the “Services.”These Services include:

• Personal Financial Management Services – A suite of services and features that can assist you in managing your budget, avoiding overdrafts, finding income opportunities and more. See Section 8 for terms and details.
• Mobile Banking Services – A suite of services and features exclusive to Dave users that open a Dave demand deposit account (“Dave Banking Account”) and Dave debit Mastercard (“Dave Card”) to help you view, manage and access your Dave Banking Account and Dave Card. The Dave Banking Account and Dave Card are made available by Evolve Bank & Trust (“Evolve”), member of the Federal Deposit Insurance Corporation, in partnership with Dave. See Section 13 for terms and details.

7. THIRD-PARTY AND DAVE BANKING ACCOUNT INFORMATION

To use the Services, you direct Dave to retrieve your account transaction history, balance information, and/or other information maintained by third-parties which are your personal accounts you own, manage and engage in financial transactions with (“Third-Party Account Information”). This includes information maintained by Evolve for Dave Banking Accounts and Dave Cards. Dave works with one or more third-party service providers to access this Third-Party Account Information. We will use this information to provide you with the Services you request, for our own internal business purposes and to offer you other Dave products and services that may be of interest to you. By using the Services, you authorize Dave to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. By agreeing to this Agreement, you are also agreeing that you are responsible for keeping any passwords and usernames you provide to us so we can retrieve this Third-Party Account Information secure, and for keeping those passwords and usernames up to date in the Mobile App. With the exception of information related to your Dave Banking Account or Dave Card, Dave does not review the Third-Party Account Information for accuracy, legality or non-infringement, and Dave is not responsible for your Third-Party Account Information or products and services offered by or on third-party sites. You acknowledge that any Third-Party Account Information that is displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity.

8. DAVE’S PERSONAL FINANCIAL MANAGEMENT SERVICES

8.1 Overview of the Personal Financial Management Services

Dave’s Membership gives you access to  to “Budget” through connecting to your ouside bank account. With Budget, we track your income and expenses, and we let you know about estimated upcoming bills and other expenses. Budget will monitor your linked bank account held at a depository institution (a “Linked Account”) and/or Dave Banking Account and let you know when you’re in danger of having insufficient funds in your Linked Account or Dave Banking Account, helping you avoid overdrafts, returned transactions and bank fees.

Dave also provides its consumers with Side Hustle,  a service that informs you about income opportunities in your area through our partnerships with other companies. Side Hustle lets users apply directly for these opportunities. Dave may receive compensation from Side Hustle program partners when we successfully connect users to income opportunities.

8.2 Membership Fee

Dave charges a $1 per month membership fee (“Membership”) to maintain a connection to your external bank account through third-party services, to access our account monitoring and notification services, and the Personal Financial Services. Dave deducts the Membership from your Linked Account via ACH or a linked debit card. The fee will be charged regardless of the status of your connection. If you are experiencing connectivity issues, please try to update your connected bank’s login credentials. If the Membership charge fails, by agreeing to these terms, you authorize Dave to process any failed or missed Membership charges together with the following month's Membership. You will be billed for your first Membership on a monthly basis.

9. SECTION RESERVED

10. SECTION RESERVED

11. CREDIT AND DEBIT AUTHORIZATION

If you enroll in the Personal Financial Management Services, you authorize Dave to electronically debit your Payment Method for the $1 Subscription Fee once each month. As applicable, you also authorize Dave to electronically debit and credit your Payment Method to correct erroneous debits and credits. You have the right to receive notice of any debit for the Subscription Fee that would vary in amount from a previous Subscription Fee, but you agree that we only need to notify you in advance if a particular debit from your Payment Method would be more than $1. (Our policy is that no single debit will exceed $1, so we expect not to provide you with advance notice of each ongoing debit from your Payment Method.) You acknowledge that, as applicable, the electronic authorization contained in this Section represents your written authorization for automated clearinghouse (“ACH”) and debit card transactions as provided herein and will remain in full force and effect until you notify Dave that you wish to revoke this authorization by emailing support@dave.com. You must notify Dave at least three (3) business days before the scheduled debit date in order to cancel this authorization. When you call or email, please include the name and telephone number associated with your Mobile App user account. Failure to provide correct and complete information may make it impossible for Dave to stop withdrawal of the preauthorized transaction. You agree to indemnify and hold Dave harmless from and against any loss incurred as a result of its withdrawal of a preauthorized debit transaction from your Payment Method if any of the information relied upon in your request to stop payment is incorrect or incomplete. If you have followed the instructions in this section to notify Dave of your desire to revoke your authorization at least three (3) business days before the scheduled debit date, Dave will be liable for your losses or damages directly caused by our failure to stop any preauthorized transaction. If we do not receive notice at least three (3) business days before the scheduled debit date, we may attempt, in our sole discretion, to cancel the transaction. However, we assume no responsibility for our failure to do so. You warrant and represent to Dave that you have the right to authorize us to charge and credit your Payment Method for payments due to us under this Agreement. If you have a joint Linked Account, you represent and warrant that you have the authority to (a) bind the absent account holder; and (b) enter into this Agreement independently. You agree to indemnify and hold Dave harmless from any claims by any other owner of the Linked Account. You represent that you are capable of saving or otherwise storing a copy of this electronic authorization for your records, and the credit and debit transactions you request comply with applicable law. See Section 27 below for more information about your rights associated with electronic funds transfers.

12. DAVE FREE MONTHS REWARDS PROGRAM

12.1 Overview of the Rewards Program

Dave offers a free months rewards program (the “Free Months”) to enable eligible users to receive credits towards Subscription Fees (“Rewards”). We use Figg, Inc. (“Figg”) as a service provider to help us operate this program. Rewards will generally be reflected in the Mobile App 10 days after making a Qualified Purchase at participating merchants, though they may be subject to delays. A "Qualified Purchase" is a purchase from a participating merchant using your registered card in accordance with the terms of the Offer and this Agreement. An "Offer" is the amount offered by the merchant, which may include, but not limited to, a minimum transaction amount, expiration date, any other additional terms or limitations associated with the offer.

12.2 Card Eligibility

Not all Visa, MasterCard, and American Express cards are eligible for registration. Visa, MasterCard, and American Express Corporate cards, Visa, MasterCard, and American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards), healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, and Visa-, MasterCard-, and American Express-branded cards whose transactions are not processed through the Visa U.S.A payment system, MasterCard payment system, and/or American Express payment system are not eligible to participate.

12.3 Transaction Eligibility

Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A, MasterCard, and American Express payment systems, and that transactions that cannot be monitored are not eligible.

12.4 Debit Instructions

If you register a debit card, your transaction must be processed as a ‘credit’ (i.e., signature) transaction to make sure the transaction can be monitored. Do not use a Personal Identification Number (PIN) when paying for your purchases with your enrolled card if you want the transaction to be eligible for Rewards or Offer completion.

12.5 Statement and Membership Credits

Rewards will not appear or be reflected on your transaction receipt from the merchant at the time of purchase, and will instead be reflected within the Mobile App. Subject to eligibility verification and settlement of the Qualifying Transaction, statement Rewards will typically appear in the Mobile App within approximately 10 days of the Qualifying Transaction, but may be subject to delays. Rewards cannot be processed if your card number expires or changes while the statement credit is pending and not settled, or your card account is not open or in good standing. You may not receive a statement Reward if it is not posted by your card issuer. Dave, the applicable card network, and your issuer have no responsibility or liability for the failure of a Reward to be posted, or for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the Reward. In no event shall the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. Any pending Rewards and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Dave.

12.6 Opting Out

You may opt-out of the Dave Rewards Program and unlink your cards at any time. To do so, you must follow the steps below:

• Go to the Profile section inside the Mobile App
• Scroll to Dave membership section
• Click on “Earn free months”
• Click on “Go to subscription rewards”
• Click on “Progress”
• Select debit card under “linked cards”
• Click on “Unlink from rewards”
• Confirm you want to unenroll the card
• You must repeat this process for every card you wish to delete.

13. DAVE CASHBACK PROGRAM

13.1 Overview of the Cashback Program

Dave offers a Cash Back Rewards Program (the “Dave Rewards Program”) that allows eligible Dave MasterCard debit card holders to earn cashback. We use Figg as a service provider to help us operate this program. Cashback will generally be reflected in the Mobile App within a few business days after making a Qualified Purchase at participating merchants, though they may be subject to delays. A “Qualified Purchase” is a purchase from a participating merchant using your registered Dave debit MasterCard in accordance with the terms of the Offer and this Agreement. An “Offer” is the amount offered by the merchant, which may include, but not limited to, a minimum transaction amount, expiration date, and any other additional terms or limitations associated with the offer.

Evolve or the card issuer have no liability or responsibility for the rewards program.

13.2 Card Eligibility and Opt-in Information

You must use your Dave debit Mastercard or Dave Virtual card to participate. Your cards are automatically enrolled in the Program at the time you open your Spending Account. See Section 13.7 for opt-out instructions.

13.3 Transaction Eligibility

Not all transactions with your registered MasterCard card are tracked by MasterCard. You acknowledge that MasterCard may be unable to monitor every transaction made with your enrolled debit card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your MasterCard as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through MasterCard payment systems, and that transactions that cannot be monitored are not eligible.

13.4 Debit Instructions

If you register a debit card, your transaction can be processed as either debit or credit. You can use your Personal Identification Number (PIN) when paying for your purchases with your enrolled card.

13.5 Double Enrollment Restrictions

Your payment card may only be enrolled in one program operated by Figg. If you have already enrolled a payment card with a separate program operated by Figg, you will be unable to register that card in both the Dave Rewards Program and the other Figg-operated program. You may deactivate your Dave card in the other Figg-operated program.

13.6 Statement and Membership Credits

Cashback will not appear or be reflected on your transaction receipt from the merchant at the time of purchase, and will instead be reflected within the Mobile App. Subject to eligibility verification and settlement of the Qualifying Transaction, statement cashback will typically appear in the Mobile App within approximately 2-4 business days of the Qualifying Transaction, but may be subject to delays.

Cashback cannot be processed if your card number expires or changes while the statement credit is pending and not settled, or your card account is not open or in good standing. Dave has no responsibility or liability for the failure of cashback to be posted, or for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the Program.

In no event shall the applicable card network be considered as maintaining any type of financial obligation or deposit or another asset account, or holding funds or other value for you for distribution to you. Any pending cashback and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Dave.

13.7 Opting Out

You may opt-out of the Dave Rewards Program and unlink your card at any time. To do so, you must contact us at support@dave.com.

14. MOBILE BANKING SERVICES

14.1 Overview of Mobile Banking Services

If you open a Dave Banking Account and obtain a Dave Card, you will be able to manage your account and card, view your transaction history and other account information, perform certain transactions, and access various features of your account and card using the Mobile Banking Services through the Mobile App. Your use of the Mobile Banking Services is governed by this Agreement. However, the Dave Banking Account, Dave Card and any transactions you make on your Dave Banking Account or Dave Card (including transactions you initiate through the Mobile Banking Services) are covered by the Dave Deposit Account Agreement found www.dave.com/deposit-agreement.

14.2 Available Features and Transactions

The Mobile Banking Services allow you to perform the following functions and transactions on your Dave Banking Account and Dave Card:

• View your balance and at least the last 90 days of transaction history.
• Transfer funds between your Dave Banking Account and Linked Account. This feature is only available if you have a Linked Account with another depository institution as described in Section 7.
• Access the “Send a Check” service that allows you to send payments to pay your bills and other expenses from your Dave Banking Account.
• Freeze your Dave Card if you misplace it to prevent it from being used.
• Manage your Virtual Dave Card.
• Update your email address, mailing address and other account-related information.
• Obtain live support and customer service through the Mobile App’s chat function.
• Other transactions, features or capabilities as may be offered in the future.

14.3 Account Information, Balances and Transaction History

The account information that you access through the Mobile Banking Services will generally be current as of the business day you access the information, unless another time is specified.

14.4 Terms Applicable to Linked Account Transfers and the Send a Check Service

Transfers between your Dave Banking Account and Linked Account, as well as payments made through the Send a Check service, are governed by the Dave Deposit Account Agreement available here. Certain transaction limitations may apply to Linked Account transfers and Send a Check payments. Please refer to the Dave Deposit Account Agreement for details.

14.5 Authorizations

Only owners of a Dave Banking Account are permitted under this Agreement to access an account through the Mobile Banking Services. By using the Mobile Banking Services, you agree that we and Evolve are entitled to act on transaction or any other instructions we receive under your Login ID and password for the Mobile App, and you agree that any actions taken under your Login ID and password will have the same effect as a signature authorizing the transaction or other action. We reserve the right to deny transactions or any other actions you authorize through the Mobile Banking Services:

• If, through no fault of ours, you do not have enough available funds in your Dave Banking Account to make a transfer or payment.
• If the Mobile Banking Services or your mobile device are not working properly.
• If circumstances beyond our control prevent us from making a transfer, payment or taking an action you request us to take.
• If money in your Dave Banking Account is subject to legal process or other encumbrance restricting the transfer.
• If you do not give complete or correct instructions for a transfer or payment, or you do not follow the procedures in this or any other agreement you have with us or Evolve.
• If your Mobile App Login ID and/or password have been reported lost or stolen, if we canceled or disabled your Login ID and/or password, or if we have disabled the Mobile Banking Service.
• If we have reason to believe that you or someone else is using the Mobile Banking Services for fraudulent or illegal purposes, or if we believe that a person other than you is using your Mobile App Login ID and password to access your account.

There may be other exceptions described in the Dave Deposit Account Agreement available here.

14.6 Fees

There are no fees for accessing or using the Mobile Banking Services, but there may be fees associated with your Dave Banking Account or Dave Card. Please refer to the Dave Deposit Account Agreement, available here, for information concerning such fees.

15. Dave Surveys

15.1 Overview of Dave Surveys 

Dave offers its members a quick and easy way to earn money from the comfort of their own homes. The information you share will help brand and market researchers to better understand consumers in order to develop better quality products. Dave uses InBrain, Inc.  as a services provider to help operate this program. Dave is not affiliated with any of the survey providers, and does not  represent their views or opinions as its own. Money earned through taking Surveys will generally be reflected in your Spending Account shortly after completing the survey. 

15.2 Eligibility 

To participate in Dave Surveys, you must have the Dave app and a Spending Account in good standing. There is no cap on the number of surveys you may take. 

15.3 Prohibited Surveys Activities 

You agree to maintain confidentiality and secrecy of all of the content of Dave surveys, and that you will not: (1) attempt to inflate your points by circumventing or otherwise compromising our systems; (2) engage in any fraudulent activity, including, without limitation, speeding through surveys, taking the same survey more than once, masking or forging your identity, submitting false information during the initial profiling survey, submitting false or untrue survey data, redeeming or attempting to redeem rewards, prizes, and/or incentives through false or fraudulent means, and tampering with surveys; (3) reverse engineer any aspect of the surveys or engage in any act that might reveal or disclose the source code,or bypass or circumvent measurers or controls utilized to prohibit, restrict or limit access to any webpage, content or code.In addition to any other rights or remedies available, Dave reserves the right to terminate, prohibit or restrict your use of, access to, and/or participation in the Surveys or our entire platform for any violations of these terms or for any other reason at our own discretion.

15.4 Disclaimers and Limitation of Liability for Participating in Surveys. 

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SURVEYS AND SERVICES ARE AT YOUR OWN RISK. NEITHER DAVE NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING SURVEYS MAKES ANY REPRESENTATIONS OR WARRANTIES BEYOND THOSE ON THE FACE OF THE WEBSITE AND THE SERVICES, INCLUDING BUT NOT LIMITED TO REPRESENTATIONS ABOUT THE SUITABILITY OF THE CONTENT FOR ANY PURPOSE, OR THAT YOUR USE OF THE SURVEYS AND SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

15.5 Taxes

You agree that you are responsible for all taxes and fees associated with your use of the Surveys. If you earn more than a certain amount of money, we may be required to mail you a form to obtain your social security number for tax reporting purposes. You agree that you will complete and return all forms we send to you requesting information.

15.6 Surveys Privacy 

Dave will have access to the contents of your first survey only. Please visit our Privacy Policy page for more information on how we use your data. Click here for CCPA requests.

16. CONSENT TO ELECTRONIC COMMUNICATIONS AND DOING BUSINESS ELECTRONICALLY

16.1 Communications to Be Provided in Electronic Form

By choosing to use the Mobile App or the Services, you will receive from time-to-time disclosures, notices, documents, and any other communications about our Services, the Mobile App, or Dave from Dave (“Communications”). We can only give you the benefits of our Services by conducting business through the Internet, and therefore we need you to consent to receiving Communications electronically. This section informs you of your rights when receiving electronic Communications from us. We may discontinue electronic provision of Communications at any time in our sole discretion.

16.2 Communications in Writing

By accepting to this Agreement, you agree that electronic Communications shall be considered “in writing” and have the same meaning and effect as if provided in paper form, unless you have withdrawn your consent to receive Communications electronically as stated below. You agree that we have no obligation to provide you Communications in paper format, although we reserve the right to do so at any time.

16.3 Minimum Requirements

You understand that, in order to view and/or retain copies of the electronic Communications, you will need either:

• A computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); or
• A mobile device that meets the requirements described in Section 4.

You will also need a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them.

16.4 Withdrawing Consent

You may withdraw your consent to receive Communications electronically by contacting us at support@dave.com. If you withdraw your consent, we reserve the right to limit or close your Dave Account. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected. You agree to pay any amount owed to Dave such as Subscription Fees or Express Fees even if you withdraw your consent and we close or limit access to the Mobile App and/or the Services.

16.5 Updating Records

As noted above, you can update your User Information in the Mobile App or by emailing us at support@dave.com.

17. SMS MESSAGING AND TELEPHONE CALLS

You consent to receive SMS messages (including text messages), and telephone calls (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or Mobile App. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. Dave and our agents, representatives, affiliates and anyone calling on our behalf may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, emails or other means. Dave may send you service-related alerts via SMS, types of messages may include service-related alerts such as fraud or suspicious activity on your account. Messaging frequency varies. You may text ‘STOP’ to unsubscribe from these alerts or text ‘Help’ for more information, you may also contact our Members Success team directly at support@dave.com. Visit our Privacy Policy to learn more about how we protect and share your data. 

Message and data rates may apply to all SMS messages (including text messages). Carriers are not liable for delayed or undelivered messages. We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.

18. LIMITATIONS OF USE

You agree to use the Mobile App, dave.com and Services only for lawful purposes. You are prohibited from any use of the Services or Mobile App that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Mobile App or Services, including but not limited to unauthorized entry into Dave’s systems, misuse of passwords, or misuse of any information posted on the Mobile App, dave.com or through the Services is strictly prohibited. Dave makes no claims concerning whether use of the Mobile App, dave.com or Services is appropriate outside of the United States. If you access the Mobile App, dave.com or the Services from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction. You agree you will not 1) try to reverse engineer, disassemble, decompile, or decipher the Mobile App, dave.com or the Services or software making up the Mobile App, dave.com and Services, 2) navigate or search the Mobile App, dave.com or Services with any tool, software, agent, engine or other means (including bots, avatars, intelligent agents, or spiders), 3) use a means other than Dave’s provided interface to access the Mobile App, dave.com or the Services, 4) use the Mobile App, dave.com or the Services in a way that could impair, overburden, damage, or disable any portion of the Mobile App, dave.com or Services, or 5) mirror any material contained on the Mobile App, dave.com or the Services. Dave reserves the right to take various actions against you if we believe you have engaged in activities restricted by this Agreement or by laws or regulations, and Dave also reserves the right to take action to protect Dave, other users, and other third parties from any liability, fees, fines, or penalties. We make take actions including, but not limited to: 1) updating information you have provided to us so that it is accurate, 2) limiting or completely closing your access to the Mobile App, dave.com or the Services, 3) suspending or terminating your ability to use the Mobile App, dave.com or the Services on an ongoing basis, 4) taking legal action against you (note, as described in Section 9.3 Dave will not take action against you for failure to repay an Advance), 5) holding you liable for the amount of Dave’s damages caused by your violation of this Agreement.

19. INTELLECTUAL PROPERTY RIGHTS

The Mobile App, dave.com and the Services are owned and operated by the Dave. All content, visual interfaces, information, graphics, design, compilation, computer code, products, software, services, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever and the selection and arrangement thereof (collectively, the “Dave Materials”) are owned exclusively by Dave or the licensors or suppliers of Dave and are protected by U.S. copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. Nothing on this dave.com, Mobile App or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Dave Materials displayed on the Mobile App, dave.com or the Services, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of Dave Materials found on the Mobile App, dave.com or the Services unless in accordance with written authorization by us. Dave prohibits use of any of the Dave Materials as part of a link to or from the Mobile App, dave.com or the Services unless establishment of such a link is approved in writing by us in advance. Any questions concerning any Dave Materials, or whether any mark or logo is a Dave Material, should be referred to Dave. All rights related to the Dave Materials are hereby reserved. You agree that the Dave Materials may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of Dave. You acknowledge that the Dave Materials are and shall remain the property of Dave. You may not modify, participate in the sale or transfer of, or create derivative works based on any Dave Materials, in whole or in part.

20. TERMINATION

Dave may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Mobile App, dave.com or the Services at any time, with or without cause, in Dave’s absolute discretion and without notice. The following provisions of this Agreement shall survive termination of your use or access to the Mobile App, dave.com or the Services: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Dispute Resolution by Binding Arbitration, and General Provisions, and any other provision that by its terms survives termination of your use or access to the Mobile App, dave.com or the Services. Dave further reserves the right to modify or discontinue, either temporarily or permanently, any portions or all of the Mobile App, dave.com or Services at any time with or without notice.

21. DISCLAIMER OF WARRANTIES

THE MOBILE APP, DAVE.COM AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, DAVE AND ALL OF ITS SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, STOCKHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES AND ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS, ASSIGNS, LICENSORS AND SUPPLIERS INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS (COLLECTIVELY, THE “DAVE PARTIES”) EXPRESSLY MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, STATUTORY, OR IMPLIED AS TO THE CONTENT OR OPERATION OF THE MOBILE APP, DAVE.COM OR THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE MOBILE APP, DAVE.COM OR THE SERVICES IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.” THE DAVE PARTIES MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, ADEQUACY, TIMELINESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE INFORMATION OR CONTENT ON THE MOBILE APP, DAVE.COM, OR THE SERVICES, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. THE DAVE PARTIES MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE MOBILE APP, DAVE.COM OR SERVICES ARE FREE OF VIRUSES, BUGS, DEFECTS, ERRORS, OR OTHER COMPUTING ROUTINES THAT CONTAIN DAMAGING OR OTHERWISE CONTAMINATING PROPERTIES, OR PROGRAMS INTENDED TO INTERCEPT OR STEAL PERSONAL OR SYSTEM DATA. Please note, the ability to exclude warranties varies in different jurisdictions. To the extent that a jurisdiction places limits on the ability for a party to exclude warranties, these exclusions exist to the extent permitted by law. Because of this jurisdictional variance, some of the above exclusions may not apply to you.

22. NO LEGAL TAX OR FINANCIAL ADVICE; ALERTS

DAVE DOES NOT INTEND TO PROVIDE YOU WITH ANY LEGAL, TAX, OR FINANCIAL ADVICE THROUGH THE MOBILE APP, DAVE.COM OR THE SERVICES. DAVE IS NOT A LAWYER, TAX ADVISOR, BROKER, OR FINANCIAL PLANNER. DAVE ENCOURAGES YOU TO CONSIDER CONSULTING AN ACCOUNTANT OR OTHER FINANCIAL ADVISOR AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES BEFORE IMPLEMENTING ANY FINANCIAL STRATEGY OR MAKING OTHER FINANCIAL DECISION. DAVE WILL MAKE REASONABLE EFFORTS TO PROVIDE TIMELY AND ACCURATE ALERTS TO YOU, BUT YOU ACKNOWLEDGE AND UNDERSTAND THAT ALERTS MAY BE DELAYED OR PREVENTED FOR VARIOUS REASONS. DAVE DOES NOT GUARANTEE THE DELIVERY, ACCURACY, OR TIMELINESS OF ALERTS. FURTHER, DAVE IS NOT LIABLE FOR ANY ERRORS IN THE DELIVERY OR CONTENT OF AN ALERT, AND DAVE IS NOT LIABLE FOR ACTIONS YOU TAKE, OR DO NOT TAKE, IN RELIANCE ON ALERTS. DAVE IS NOT LIABLE FOR ANY THIRD PARTY RELIANCE ON ALERTS.

23. LIMITATION OF LIABILITY

THE DAVE PARTIES WILL NOT BE RESPONSIBLE, UNDER ANY CIRCUMSTANCES, TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES, INCLUDING DAMAGES UNDER WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR ANY OTHER CLAIMS, ARISING OUT OF OR RELATING TO YOUR USE OF THE MOBILE APP, DAVE.COM OR THE SERVICES, THE DAVE MATERIALS, OR ANY CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE MOBILE APP, DAVE.COM OR THE SERVICES, EVEN IF DAVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE DAVE PARTIES WILL ALSO NOT BE LIABLE TO YOU FOR ANY USE OF INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED VIA THE MOBILE APP, DAVE.COM OR THE SERVICES, OR FOR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING FROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO, OR USE OF, THE MOBILE APP, DAVE.COM OR THE SERVICES. IN NO EVENT WILL THE DAVE PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED USD $1,000 (ONE THOUSAND UNITED STATES DOLLARS). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE MOBILE APP, DAVE.COM OR THE SERVICES OR WITH THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR SERVICES.

24. INDEMNIFICATION

To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Dave Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of the Mobile App, dave.com or the Services; (ii) your violation of this Agreement or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. You shall cooperate as fully as reasonably required in the defense of any such claim. Dave reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of Dave.

25. DISPUTE RESOLUTION BY BINDING ARBITRATION

YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN SECTION 25.3 BELOW.

25.1 Election to Arbitrate. You and Dave agree that the sole and exclusive forum and remedy for resolution of a Claim be final and binding arbitration pursuant to this Section 25 (the “Arbitration Provision”), unless you opt out as provided in Section 25.3 below. As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, including (except to the extent provided otherwise in the last sentence of Section 25.8 below) the validity or enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims, counter‐claims, cross-claims, third-party claims, or otherwise. Please note that you may continue to assert Claims in small claims court, if your Claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.

25.2 Applicability of the Federal Arbitration Act; Arbitrator’s Powers. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act (the “FAA”). The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably protect confidential information.

25.3 Opt-Out of Arbitration Provision. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to legal@dave.com, within 60 days of the date of your electronic acceptance of the terms of this Agreement. The opt out notice must clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. You may send an opt-out notice in any manner you see fit as long as it is received at the specified address within the specified time. No other methods can be used to opt out of this Arbitration Provision. If the opt out notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the opt out notice on your behalf.

25.4 Informal Dispute Resolution. If a Claim arises, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. You agree that before filing any claim in arbitration, you may submit Claims by sending an email to legal@dave.com at any time.

25.5 Arbitration Procedures. The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”). The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. You may obtain copies of the current rules, forms, and instructions for initiating an arbitration with the AAA by contacting the AAA as follows: on the web at American Arbitration Association | ADR.org or by writing to American Arbitration Association, Case Filing Services, 1101 Laurel Oak Road, Suite 100, Voorhees, NJ 08043. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. The arbitration will be held in the United States county where you live or work, or any other location we agree to.

25.6 Arbitration Fees. If we elect arbitration, we shall pay all the administrator's filing costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of the administrator selected, or in accordance with countervailing law if contrary to the administrator's rules. We shall pay the administrator's hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party requesting the hearing, unless the administrator's rules or applicable law require otherwise, or you request that we pay them and we agree to do so. Each party shall bear the expense of its own attorneys' fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein.

25.7 Appeals. Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a three-arbitrator panel selected according to the rules of the arbitrator administrator. In the event of such an appeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will reconsider de novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrator's rules, in the same way as the initial arbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act (“FAA”), and may be entered as a judgment in any court of competent jurisdiction.

25.8 No Class Actions. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this Section 25.8, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this Section 25.8 shall be determined exclusively by a court and not by the administrator or any arbitrator.

25.9 Survival and Severability of Arbitration Provision. This Arbitration Provision shall survive the termination of this Agreement. If any portion of this Arbitration Provision other than Section 25.8 is deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. If there is a final judicial determination that applicable law precludes enforcement of this Arbitration Provision’s limitations as to a particular claim for relief or particular term, then that claim (and only that claim) or that term (and only that term) must be severed from the Arbitration Provision and may be brought in court. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in Section 25.8 are finally adjudicated pursuant to the last sentence of Section 25.8 to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision.

25.10 Judicial Forum for Claims. Except as otherwise required by applicable law, in the event that this Arbitration Provision is found not to apply to you or your Claim, you and Dave agree that any judicial proceeding (other than small claims actions) will be brought in the federal or state courts of Los Angeles County, California. Both you and Dave consent to venue and personal jurisdiction there. We both agree to waive our right to a jury trial.

25.11 WAIVER OF RIGHT TO LITIGATE. THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.

26. GOVERNING LAW AND VENUE

Except for Section 25 which is governed by the FAA, this Agreement and all Claims are governed by the laws of the State of California, without regard to conflict-of-law rules.

27. ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT

The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers. There may be limitations on your Linked Account or debit card that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your Linked Account or debit card. The disclosures in this Section 25 apply to all Services described in this Agreement EXCEPT the Dave Banking Account, Dave Card, Send a Check service, or any transfers between your Linked Accounts and your Dave Banking Account. For information and disclosures applicable to your Dave Banking Account, Dave Card, the Send a Check service or transfers between your Linked Accounts and Dave Banking Account, please refer to the Electronic Fund Transfers section of the Deposit Account Agreement available here.

27.1 Definitions.

• Electronic Fund Transfer : Any transfer of funds that is initiated through an electronic device or computer to instruct us to debit or credit a Linked Account, debit card or your Dave Banking Account. Electronic Fund Transfers include such electronic transactions transfers initiated via telephone or the Mobile App.
• Preauthorized Electronic Fund Transfer : An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, withdrawal of funds out of your Linked Account to pay the Subscription Fee.
• Unauthorized Electronic Fund Transfer is an Electronic Fund Transfer initiated by a person other than you who does not have actual, implied, or apparent authority to initiate the transfer, and from which you do not benefit. If you give access to your Mobile App user account to another person, all payments by that person are authorized unless and until you notify us that payments by that person are no longer authorized.

27.2 Your Liability.

• Authorized Transfers : You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly.
• Unauthorized Transfers : Tell us at once if you believe your Mobile App Login ID or password has been lost or stolen or if your Mobile App user account has been, or may have been, subject to Unauthorized Electronic Fund Transfers. Contact us immediately to keep your possible losses to a minimum. You could lose all the money in your Linked Account(s) and/or Dave Banking Account.
• If you tell us within four (4) business days after learning of the loss or theft of your Mobile App Login ID or password or after learning of any other Unauthorized Electronic Fund Transfers associated with your Mobile App user account, you can lose no more than $50. However, if you DO NOT tell us within four (4) business days after learning of the loss, theft or unauthorized use associated with your Mobile App user account, and we can establish that we could have prevented the Unauthorized Electronic Fund Transfer(s) if you had told us in time, you could lose as much as $500.
• If your periodic account statement issued by your bank or financial institution shows Unauthorized Electronic Fund Transfers and you DO NOT tell us within ninety (90) days after the statement was delivered to you, you may not get back any money you lose after the ninety (90) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen Mobile App Login ID or password or of any other suspected Unauthorized Electronic Fund Transfers(s), the time periods specified in this Section 28.2 may be extended for a reasonable period.

27.3 Business Days. For purposes of this Section 27, Dave business days are Monday through Friday. Holidays are not included.

27.4 Types of Transfers; Limitations. You may use the Services to request and receive Advances to your Linked Account, debit card or Dave Banking Account, to repay such Advances in the amounts and on the days you request, to pay voluntary tips to Dave, and to pay the monthly Subscription Fee. Any limitations regarding Advance amount, tip amount or Subscription Fee amount will be displayed to you through the Services. Through the Mobile App you may also authorize recurring preauthorized Electronic Fund Transfers from your Linked Account or debit card to pay for the Subscription Fee. See Section 11 for more information about stopping payment of preauthorized Electronic Fund Transfers.

Transfers between your Linked Account and Dave Banking Account, as well as payments made to third parties through the Send a Check service, are governed by the Dave Deposit Account Agreement, available here. Please refer to that agreement for information concerning any limitations that may apply to these transfers and payments.

27.5 Fees. Dave charges no fees to access an Advance. However, you may choose to pay an Express Fee to expedite an Advance as set forth in Section 9.2. There are also no fees for using or accessing the Mobile Banking Services.

27.6 Documentation. Your Advance and payment history can be viewed within the Mobile App by navigating to the “Account Settings” page and tapping “Account” or “Advances,” depending on the type of transactions you seek to view. You are responsible for reviewing payment history and/or Dave Banking Account transaction history, if applicable, and maintaining copies for your records.

27.7 Our Liability. See Sections 22 and 24 above. If Dave does not debit or credit your Linked Account, debit card or Dave Banking Account in accordance with these Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough money in your Linked Account, debit card or Dave Banking Account to make a payment.
• If the Linked Account, debit card or Dave Banking Account you specify as the payment source is closed or does not contain sufficient funds to complete the payment or the charge is rejected or returned by your bank or financial institution.
• If the Services were not working properly and you knew about the problems when you started your payment.
• If we cannot complete a payment due to fraud or attacks on our systems or the Services.
• If circumstances beyond our control (such as fire or flood) prevent a payment, despite reasonable precautions we have taken.
• There may be other exceptions stated in our Agreement with you.

27.8 Confidentiality Related to Electronic Fund Transfers. We will disclose information to third parties about the Electronic Fund Transfers you make through the Services:

• Where it is necessary for completing the Electronic Fund Transfers; or,
• In order to comply with government agency or court orders; or,
• If you give us written permission; or,
• As otherwise provided in our Privacy Policy.

27.9 Error Resolution

In case of errors or questions about your Electronic Fund Transfers, telephone us at 1-844-857-3283 or email us at support@dave.com. If you think your Linked Account statement, receipt, or payment history within the Mobile App are wrong, or if you need more information about a transfer listed on the statement, receipt, or within the Mobile App, contact us as soon as you can. We must hear from you no later than 90 days after the statement or receipt was delivered to you. In your notification to us, you must:

• Tell us your name and phone number associated with your Mobile App user account.
• 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.
• 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 Linked Account or Dave Banking 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 Mobile App user accounts, we may take up to 90 days to investigate your complaint or question. For new Mobile App user accounts, we may take up to 20 business days to credit your Linked Account or Dave Banking 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.

ALL QUESTIONS ABOUT TRANSACTIONS MADE THROUGH THE DAVE SERVICES MUST BE DIRECTED TO DAVE, AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR LINKED ACCOUNT. We are responsible for the Services and for resolving any errors in transactions made in conjunction with such Services.

We will not send you a periodic statement listing transactions that you make through the Services. The transactions will appear only on the statement issued by your bank or other financial institution. SAVE THE RECEIPTS YOU ARE PROVIDED WHEN YOU USE THE SERVICES, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM YOUR BANK OR OTHER FINANCIAL INSTITUTION. If you have any questions about one of these transactions, call or write us at the telephone number and address indicated below:

1-844-857-3283 Dave Operating LLC  1265 S Cochran Ave, Los Angeles, CA 90019 Email: support@dave.com

IF YOUR MOBILE APP LOGIN ID OR PASSWORD IS LOST OR STOLEN, NOTIFY US AT ONCE by calling or writing to us at the telephone number or address listed above.

28. SEVERABILITY

If any provision of this Agreement is found to be invalid, unlawful, void, or unenforceable by either an arbitrator or a court of competent jurisdiction, this Agreement’s remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.

29. WAIVER

You agree that if Dave does not enforce any of its legal rights or remedies under this Agreement, or other legal rights or remedies Dave has under applicable laws, this shall not be construed as a formal waiver of those rights or remedies or any other rights in any way whatsoever.

30. GENERAL PROVISIONS

This Agreement is the entire understanding and agreement between you and Dave. This Agreement supersedes any previous Terms of Use agreement or other agreement to which you and Dave may have been bound. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. You may not assign or transfer this Agreement or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign this Agreement or any of our rights or obligations under this Agreement at any time without notice. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

31. AUTHORIZATION FOR THE SOCIAL SECURITY ADMINISTRATION TO DISCLOSE YOUR SOCIAL SECURITY NUMBER VERIFICATION

You authorize the Social Security Administration (SSA) to verify and disclose to Dave Operating LLC through Socure Inc., their service provider for the purpose of this transaction whether the name, Social Security Number (SSN), and date of birth you have submitted matches information in SSA records. Your consent is for a one-time validation within the next 90 days.

32. CONTACTING US

If you have questions regarding the Agreement or the practices of Dave, please contact us by email at legal@dave.com or by regular mail at Dave Operating LLC, 1265 S Cochran Ave, Los Angeles, CA 90019