PLEASE READ THIS USER AGREEMENT CAREFULLY. THIS USER AGREEMENT (AS DEFINED BELOW) IS A BINDING CONTRACT BETWEEN YOU AND TCLUB, INC., A DELAWARE CORPORATION DOING BUSINESS AS “ABOUND.” THIS USER AGREEMENT GOVERNS YOUR USE OF WWW.JOINABOUND.COM, THE ABOUND MOBILE APPLICATION, AND RELATED ABOUND SERVICES. CERTAIN FEATURES ARE PROVIDED DIRECTLY TO YOU BY PLATFORM PARTNERS (AS DEFINED BELOW) UNDER SEPARATE PLATFORM PARTNER TERMS AGREED DIRECTLY BETWEEN YOU AND THE APPLICABLE PLATFORM PARTNER. AMONG OTHER THINGS, THIS USER AGREEMENT: (A) EXPLAINS THAT ABOUND PROVIDES TECHNOLOGY, ORCHESTRATION, REWARDS, CONTENT, SUBSCRIPTION, SUPPORT, AND OTHER NON-REGULATED SERVICES; (B) EXPLAINS THAT REMITTANCE, PAYMENT, VIRTUAL-ASSET, CUSTODY, CONVERSION, SETTLEMENT, AND PAYOUT SERVICES ARE OBTAINED BY YOU DIRECTLY FROM PLATFORM PARTNERS; (C) STATES THAT ABOUND DOES NOT TAKE CUSTODY OF, TRANSMIT, EXCHANGE, CONVERT, SETTLE, OR PAY OUT USER FUNDS OR VIRTUAL ASSETS; (D) STATES THAT AMOUNTS SHOWN IN AN ABOUND WALLET OR REWARDS BALANCE ARE NOT BANK DEPOSITS AND ARE NOT INSURED, INCLUDING BY THE FDIC OR NCUA; (E) DESCRIBES CANCELLATION, REFUND, AND ERROR-RESOLUTION RIGHTS THAT MAY APPLY TO REMITTANCE TRANSFERS; (F) DESCRIBES RISKS OF VIRTUAL-ASSET TRANSFERS; AND (G) CONTAINS DISCLAIMERS, LIMITATIONS OF LIABILITY, BINDING INDIVIDUAL ARBITRATION, A JURY-TRIAL WAIVER, AND A CLASS-ACTION WAIVER.
DO NOT USE THE ABOUND PLATFORM (AS DEFINED BELOW) IF YOU ARE NOT A NATURAL PERSON, YOU ARE UNDER 18 YEARS OLD, YOU ARE AN ARTIFICIAL INTELLIGENCE SYSTEM, AUTOMATED AGENT, BOT OR OTHER NON-HUMAN TECHNOLOGY, YOU DO NOT AGREE TO THIS USER AGREEMENT, OR YOU CANNOT LAWFULLY ENTER INTO A BINDING CONTRACT.
Capitalized terms used but not defined elsewhere in this User Agreement have the meanings given in Section 2.
1.1.Parties. This User Agreement and Terms of Service (“User Agreement”) is a binding contract between you (“you” or “User”) and TClub, Inc., a Delaware corporation doing business as Abound (“Abound,” “we,” “us,” or “our”). You and Abound are each a “Party” and together the “Parties.”
1.2.Scope. This User Agreement governs the relationship between you and Abound relating to your access to and use of the Abound website located at www.joinabound.com, the Abound mobile application on iOS and Android, and any related websites, accounts, tools, content, communications, products, features, or services made available through the Abound Platform (collectively, the “Abound Platform”).
1.3.Acceptance and incorporated documents. By accessing, downloading, registering for, clicking or swiping to accept, or using any part of the Abound Platform, the Parties agree to this User Agreement, the Service Schedules (as listed hereunder), and any service-specific disclosures presented to you. You acknowledge and agree with the terms provided in the Abound Privacy Policy (“Privacy Policy”) and the data practices described in it. Where a feature is provided directly by a Platform Partner, you also agree to the applicable Platform Partner Terms as set forth in the relevant schedules of this User Agreement or as presented or linked to you at or before the point of use. A Service Provider may process information on behalf of Abound or a Platform Partner without entering into a separate contract with you, as described in the Privacy Policy and applicable point-of-use notices.
1.4.Service Schedules. In addition to the general terms of this User Agreement: (a) Schedule A applies to Remittance Transfers; (b) Schedule B applies to Virtual Asset Transfers; (c) Schedule C applies to Rewards, offers, referrals, and subscriptions; (d) Schedule D applies to gift cards and similar stored-value products; (e) Schedule E applies to blogs, community features, and User Content; and (f) Schedule F applies to AI Services.
1.5.Order of precedence. For a particular Transaction, feature, or service, any applicable receipt, pre-payment disclosure, state-specific notice, Platform Partner disclosure, authorization, electronic-consent disclosure, automatic-renewal disclosure, or other legally required disclosure controls to the extent of a conflict. A Service Schedule controls over the body of this User Agreement for a service-specific matter within that Schedule. Platform Partner Terms govern only the direct relationship between you and the applicable Platform Partner for the Platform Partner Service and do not modify the agreement between you and Abound, unless this User Agreement expressly states otherwise. In all other respects, the body of this User Agreement controls.
1.5.1.Authorized app stores. The Abound mobile application is made available solely through the following official stores, or any successor locations designated by Abound:
1.5.1.1.Apple App Store.
1.5.1.2.Google Play Store.
1.5.2.Unauthorized sources. Abound does not authorize distribution of the Abound mobile application through any other store, marketplace, website, or source. You should not download or install the application from an unauthorized source other than the foregoing official stores. Abound is not responsible for any application obtained from an unauthorized source, which may be unsafe, modified, or fraudulent.
1.5.3.App-marketplace terms. Your download and use of the Abound mobile application may also be subject to the terms of the applicable app marketplace.
2.1.“Abound Services” means the technology, orchestration, Account functionality, interfaces, instruction routing, status displays, support, Rewards, offers, subscriptions, content, and Abound-provided AI functionality that Abound expressly provides through the Abound Platform. Abound Services explicitly exclude Platform Partner Services and Financial Services.
2.2.“Abound Wallet” means a convenience interface displaying Rewards, cashback, promotional credits, reimbursements, refunds, adjustments, or similar value associated with your Account. It is not a self-custodial wallet, does not mean that Abound holds money, funds, or Virtual Assets, and is not a bank, deposit, stored-value, securities, investment, or money-transmission account provided by Abound.
2.3.“Account” means your Abound user account.
2.4.“ACH” means the Automated Clearing House network.
2.5.“AI Service” means a feature using artificial intelligence, machine learning, or a large language model that is made available through the Abound Platform, being provided by a Platform Partner.
2.6.“Applicable Law” means all applicable federal, state, local, and foreign laws, regulations, rules, orders, and binding regulatory requirements, together with applicable binding payment-network rules, including those relating to consumer protection, privacy, electronic signatures, money transmission, remittance transfers, sanctions, anti-money-laundering, telecommunications, gift cards, automatic renewal, taxation, and Virtual Assets.
2.7.“Business Day” means a day on which Abound and the applicable Platform Partner(s) are open for substantially all business functions, unless Applicable Law, a relevant disclosure, or the applicable Platform Partner Terms define the term differently for a particular service.
2.8.“Chargeback” means a reversal, retrieval request, or forced return of a payment transaction initiated through your card issuer, financial institution, payment network, or similar channel, rather than through the ordinary support process of Abound or the applicable Platform Partner.
2.9.“Fees” means any charges, subscription fees, service fees, transfer fees, return fees, network fees, third-party fees, or other amounts associated with a Transfer, Transaction, or other service made available through the Abound Platform. Taxes and governmental charges are not Fees unless expressly identified as such in an applicable disclosure.
2.10.“Financial Service” or “Financial Services” means a remittance, money-transmission, payment, account, Virtual Asset-related, exchange, conversion, custody, settlement, off-ramp, payout, or other regulated financial service provided directly to you by a Platform Partner under the applicable Platform Partner Terms. For clarity, such Financial Services are provided by the relevant Platform Partner and not by Abound, except to the extent expressly stated otherwise.
2.11.“FX Rate” means the exchange rate, conversion rate, or pricing methodology applied to a Transfer, conversion, or payout.
2.12.“Input” and “Output” mean, respectively, information, prompts, files, or instructions submitted to an AI Service and content generated in response.
2.13.“Malicious Code” means any software, code, or program intentionally designed to disrupt, damage, impair, or gain unauthorized access to any system, network, or data, including a virus, worm, Trojan horse, ransomware, spyware, adware, keylogger, rootkit, logic bomb, backdoor, or other similar harmful code.
2.14.“Payment Instrument” means a bank account, debit card, credit card, or other payment method or funding source supported by the applicable Platform Partner and used in connection with a Transaction.
2.15.“Platform Partner Service” means any product, functionality, or service provided directly to you by a Platform Partner through or in connection with the Abound Platform under the applicable Platform Partner Terms.
2.16.“Platform Partner Terms” means the user agreement, service terms, privacy notices, privacy practices, disclosures, consents, compliance requirements, network rules, and other terms governing a Platform Partner Service availed directly by you from the Platform Partner...
2.17.“Platform Partner” means an independent third party that provides a Platform Partner Service directly to you under its own terms, including, as applicable, a remittance provider, bank, money transmitter, payment service provider, Virtual Asset exchange, on-ramp or off-ramp provider, wallet provider, issuer, or other direct provider identified in the applicable flow.
2.18.“Recipient” means the intended beneficiary of a Transfer or payout.
2.19.“Remittance Transfer” means a Transfer of funds by the User to a Recipient in another country while utilizing the services of one or more Platform Partners under the relevant Platform Partner Terms as agreed between the User and such Platform Partner.
2.20.“Reversal” means a return, recall, clawback, or cancellation of funds or value displayed or credited in an Abound Wallet or applied toward a Transfer after the initial debit or credit has been processed, including because of insufficient funds, account closure or restriction, a returned ACH debit, Chargeback, fraud detection, or a regulatory or sanctions-related hold.
2.21.“Reward” or “Rewards” means a cashback, a promotional credit, an offer benefit, a referral reward, a subscription benefit, or another promotional benefit displayed or made available through the Abound Platform, excluding a refund or reimbursement unless expressly identified as a Reward.
2.22.“Service Provider” means a third party that processes information or performs services for Abound or a Platform Partner and does not necessarily provide a service directly to you or enter into a contract with you.
2.23.“Service Schedules” means Schedules A through G to this User Agreement, as amended or supplemented from time to time.
2.24.“Third-Party Services” means a product, content, website, service, or functionality not owned or directly operated by Abound, including Platform Partner Services and functionality supported by a Service Provider.
2.25.“Transaction” means an instruction, request, authorization, or payment submitted by you through the Abound Platform.
2.26.“Transfer” means a transfer of fiat currency, Virtual Assets, or other value initiated through the Abound Platform and performed by one or more Platform Partners.
2.27.“User Content” means content, data, text, images, files, prompts, feedback, suggestions, communications, or other material that you submit, transmit, or post through the Abound Platform.
2.28.“Virtual Asset Transfer” means a Transfer of Virtual Assets by the User to a Recipient while utilizing the services of one or more Platform Partners under the relevant Platform Partner Terms as agreed between the User and such Platform Partner.
2.29.“Virtual Asset” means a digital representation of value, rights, or assets that is recorded, stored, transferred, or traded electronically, including a cryptocurrency or stablecoin, but excluding an Abound Wallet.
2.30.Interpretation. Unless the context requires otherwise: (a) “including” means “including without limitation”; (b) “or” is inclusive; (c) the singular includes the plural and vice versa; (d) references to a person include such person’s legal representatives, successors, and permitted assigns; (e) where applicable, references to a statute, regulation, rule, or order include amendments, implementing rules, and successor provisions; (f) references to Sections and Schedules are to this User Agreement; (g) “written” and “in writing” include an electronic record; (h) “day” means calendar day and “Business Day” has the meaning given above; (i) headings, captions, examples, and summaries are for convenience and do not limit the operative text; (j) “may” denotes discretion and does not create an obligation unless Applicable Law requires otherwise; (k) the Service Schedules form part of this User Agreement only for the features they cover; and (l) Section 1.5 governs conflicts. Nothing in this Section limits a non-waivable right.
3.1.Abound Services. Abound provides the Abound Platform and the technology described in this User Agreement and through the Abound Platform, including orchestration, Account functionality, interfaces, instruction routing to Platform Partners, status displays, support, Rewards, offers, subscriptions, and content. The Abound Services may enable you to discover, request, authorize, and track products and Transactions. Features of Abound Services may vary by User, state, destination country, funding source, risk profile, and partner availability. The Parties expressly agree that Platform Partner Services are not part of Abound Services.
3.2.Platform Partner Services. Certain products, functionality, or services available through or in connection with the Abound Platform are provided directly to you by an independent Platform Partner under its Platform Partner Terms which are specified in the relevant schedules of this User Agreement. You may be required to establish a separate account or contractual relationship with the relevant Platform Partner and complete its onboarding, verification, and consent processes in accordance with the Platform Partner Terms which are specified in the relevant schedules of this User Agreement. Where permitted by the applicable Platform Partner Terms and point-of-use flow, the Platform Partner may establish an account based on information and instructions you submit through the Abound Platform.
3.3.Allocation of responsibility. Financial Services are a subset of Platform Partner Services. The applicable Platform Partner is responsible for each Financial Service it provides under the Platform Partner Terms agreed between you and that Platform Partner. Except where separately disclosed, Abound is not acting as a bank, depository institution, trust company, money transmitter, money services business, payment processor, Virtual Asset exchange or trading platform, custodian, securities broker-dealer, investment adviser, insurer, or fiduciary. Abound may transmit instructions and related information, display status, and calculate or communicate pricing, but does not itself collect, hold, move, exchange, convert, settle, redeem, take custody of, or pay out funds or Virtual Assets. Except for the limited agency expressly stated in Schedule A, Abound is not your agent or a Platform Partner’s agent.
3.4.Service Providers. Abound and Platform Partners may use vendors and subcontractors that support the Abound Platform or a Platform Partner Service without necessarily providing a service directly to you or entering into a contract with you. Service Providers may include compliance, artificial-intelligence, fraud-prevention, analytics, cloud, communications, customer-support, advertising, rewards-network, payout-support, and software providers. Their processing is described in the Privacy Policy and applicable partner privacy notices.
3.5.Instructions and data sharing. By requesting or using a Platform Partner-enabled feature, you instruct and authorize Abound to transmit your data, instructions, Transaction information, and status information to the relevant Platform Partner and Service Providers and to receive information from them for onboarding, verification, service delivery, compliance, settlement, Rewards, support, dispute resolution, security, and other purposes described in the Privacy Policy, applicable partner privacy policies, and point-of-use disclosures.
4.1.Eligibility. You may use the Abound Platform only if you are a natural person, at least 18 years old, legally capable of entering into a binding contract, and located in a jurisdiction where the relevant service is offered. Unless Abound expressly approves a business-use feature, the Abound Platform is for personal, family, or household use only and not for business, commercial, resale, intermediary, aggregator, or third-party use. You must maintain a valid U.S. residential address and a valid U.S. Payment Instrument and, where required, provide a valid Social Security Number or Individual Taxpayer Identification Number and acceptable government identification.
4.2.Sanctions compliance. You expressly represent and warrant that neither you nor any Recipient or person(s) related to you are not subject to sanctions, asset-freezing measures, restricted-party designations, counter-terrorism restrictions, or trade restrictions administered, implemented, or enforced by OFAC, the Government of India or any competent authority of the USA or India, the United Nations Security Council, or any other governmental or supranational authority having jurisdiction over you, Abound, a Platform Partner, a Recipient, or the relevant Transaction. You further represent and warrant that neither you nor any Recipient is located in, ordinarily resident in, or acting on behalf of a person in a country or territory subject to comprehensive sanctions. You agree that you will not use any blocked, frozen, sanctioned, or otherwise restricted Payment Instrument, account, wallet, funds, Virtual Assets, or Recipient in connection with the Abound Platform, and your use of the Abound Platform will comply with Applicable Law at all times.
4.3.Personal use and Account ownership. You must be the sole beneficial owner of your Account. You may not use the Abound Platform for any person other than yourself, permit another person to operate your Account, create or maintain multiple Accounts, use false or borrowed information, or use funds or Payment Instruments that you do not own or are not legally authorized to use.
4.4.U.S. residency and presence. Except where Abound expressly states otherwise for a particular feature, you may use the Abound Platform only if you are a resident of the United States and lawfully present in the United States.
4.5.Restricted Locations. Abound cannot make the Abound Platform, or a particular Abound Service or Platform Partner Service, available to you if you reside in, are located in, or conduct business in a U.S. state, territory, or country where Abound or the applicable Platform Partner does not offer that service (each, a “Restricted Location”). Abound may add or remove Restricted Locations, and may add, remove, or change which services are available in a given Restricted Location, at any time and without prior notice to you.
5.1.Account information. To access certain services, you must create an Account and provide accurate, complete, and current information. You must promptly update that information if it changes, maintain only one Account, and remain its sole beneficial owner.
5.2.Platform Partner accounts. Abound does not establish a Platform Partner account for you unless the applicable Platform Partner Terms and point-of-use disclosures expressly state otherwise. Provided however that, the Platform Partner may open / register an account in your behalf based your usage of Platform Partner Service.
5.3.Verification requirements. Abound, Platform Partners, and Service Providers may require identity verification, fraud screening, sanctions screening, source-of-funds information, Transaction-purpose information, Recipient information, device information, liveness checks, photographs, government identification, tax identification numbers, or other information before or after Account creation and at any time during your use of the Abound Platform.
5.4.Information authorization. You acknowledge and authorize Abound, Platform Partners, and Service Providers to collect, verify, use, retain, and share information as reasonably necessary to provide Abound Services and Platform Partner Services; perform identity, anti-money-laundering, fraud, sanctions, and risk checks; process payments; support disputes; protect users; and comply with Applicable Law, subject to the Privacy Policy, applicable Platform Partner privacy policies, and point-of-use consents.
5.5.Account security. You are responsible for safeguarding your login credentials, devices, one-time passcodes, PINs, biometric authentication, email account, telephone number, and other authentication factors. You agree that Abound may rely on instructions and authentications that reasonably appear to come from you, your device, or your credentials.
5.6.Account closure. You may close your Account through the in-app process or by contacting support, subject to pending Transactions, Chargebacks, Reversals, outstanding amounts owed, legal retention requirements, and investigations. Abound may suspend, restrict, or terminate your Account or access to a feature as described in this User Agreement.
5.7.Verification inquiries and consumer reports. You authorize Abound and applicable Platform Partners to make, directly or through third parties, inquiries reasonably necessary to verify your identity, prevent fraud, assess risk, and confirm the information you provide, including inquiries through commercial databases, identity-verification providers, government and sanctions watchlists (including the OFAC Specially Designated Nationals and Blocked Persons List), fraud-prevention tools, and methods used to confirm ownership of your email address, telephone number, or Payment Instrument. A consumer report, credit report, or credit score may be obtained or used only for a permissible purpose under Applicable Law and only after any separate authorization or disclosure required by law. Failure to provide requested information, or inability to verify your identity to the satisfaction of Abound or a Platform Partner, may result in denial, delay, suspension, or termination of service.
5.8.Security incidents. If you believe your Account, credentials, device, Transfer instructions, or Payment Instrument has been compromised, or if you identify suspected fraud, an unauthorized Transaction, or a security incident, you must promptly notify Abound through the official support channels in the Abound app or at support@joinabound.com. Your notice should include, to the extent available, your full name and contact details, a description of the incident, the date and approximate time, the affected Transaction, device, or funding source, and supporting documentation. Prompt notice may help mitigate further harm, but Abound does not guarantee recovery or reimbursement of funds or any Transfer.
6.1.Fraud warning. Fraudsters may impersonate friends, relatives, employers, customer-support agents, technical-support personnel, government officials, immigration authorities, tax authorities, law-enforcement officers, investment advisers, charities, romantic partners, or merchants to induce you to send money or Virtual Assets.
6.2.Requests Abound will not make. Abound will never ask you to send funds or Virtual Assets to a third party to unlock a Reward, claim an inheritance, fix a security problem, avoid arrest, pay a fine, obtain technical support, or prove your identity. You must never share one-time passcodes, login credentials, device credentials, or Account PINs with anyone, including Abound support personnel.
6.3.Urgency and secrecy red flags. If someone pressures you to act urgently, keep a conversation secret, or move funds or Virtual Assets to “protect” them, you should treat the request as potentially fraudulent until you independently verify it through trusted channels.
6.4.Verify Recipients and instructions. You are responsible for confirming each Recipient’s identity, the legitimacy of each payment purpose, and the accuracy of all bank-account, wallet-address, Recipient, amount, and destination information before authorizing a Transaction. Mistakes may result in delayed, misdirected, unrecoverable, or irreversible transfers.
7.1.Scope of electronic consent. By affirmatively consenting through the electronic acceptance process, you consent to use electronic records and electronic signatures and to receive electronically all records relating to your relationship with Abound and any partner-enabled feature, including this User Agreement, the Privacy Policy, Platform Partner Terms as set forth in the relevant schedules of this User Agreement, privacy notices, authorizations, pre-payment disclosures, receipts, statements, cancellation and error-resolution notices, tax documents, subscription notices, security alerts, and legally required communications. Your consent applies to all categories including those records that may lawfully be delivered electronically without E-SIGN consent. You agree that electronic signatures, click-through acceptances, and electronic records have the same legal effect as written signatures and paper records, subject to your non-waivable rights under Applicable Law.
7.2.Delivery methods and legal effect. We may provide electronic communications by email, in-app message, SMS or text message, push notification, website posting, downloadable PDF, or another electronic method.
7.3.Hardware and software requirements. Before consenting, you should confirm that you can access, display, download, save, print, and retain electronic records in PDF or HTML format. You must maintain a valid email address, working telephone number, internet access, and a supported device and browser or application. By consenting after this disclosure is presented electronically, you confirm that you can access and retain it in the form provided. If hardware or software requirements materially change in a manner that creates a material risk that you cannot access a required record, we will provide updated requirements and information about your right to withdraw consent, as required by Applicable Law.
7.4.Calls and text messages. Transactional text messages or calls may be necessary for Account security, authentication, fraud prevention, support, and service operation. Marketing text messages or calls, including any autodialed, prerecorded, or artificial-voice communications, will be governed by a separate, clear consent and opt-out process where required by Applicable Law. Consent to marketing communications is not a condition of purchasing or using a product or service. You may revoke marketing consent through any reasonable method identified in the communication or enrollment terms. Message and data rates may apply.
7.5.Right to withdraw consent. You may withdraw your consent to receive records and communications electronically at any time by contacting Abound through the in-app support channel or at support@joinabound.com. Because Abound does not offer non-electronic delivery of the disclosures, confirmations, and records described in this Section 7, withdrawing consent may result in Abound suspending or closing your Account or your access to the affected Abound Service or Platform Partner-enabled feature, as permitted by Applicable Law. Withdrawal of consent does not affect the legal effectiveness or enforceability of a record or Transaction processed electronically before the withdrawal takes effect.
8.1.Governing documents. Each Transaction is subject to this User Agreement, the applicable Service Schedule, the applicable Platform Partner Terms, the Privacy Policy, and the disclosures, authorizations, confirmation, or receipt presented for that Transaction.
8.2.Transaction acceptance. A Transaction is not accepted until you have reviewed and authorized it, the supported funding method is approved, required verification and risk checks are completed, and the applicable Platform Partner accepts the Transaction. Abound may transmit your instructions and related data but does not guarantee that a Platform Partner will accept or complete a Transaction.
8.3.Availability and limits. Service availability, supported funding methods, limits, processing and delivery times, and completion standards may vary based on the User, destination, Recipient, feature, risk and compliance review, Platform Partner availability, network conditions etc.
8.4.Transaction status and records. Where available, Transaction status or history may be displayed through the Abound Platform for convenience. If there is a discrepancy, the applicable Platform Partner’s records, confirmation, disclosure, and receipt control.
8.5.No credit. Unless expressly stated on the Abound Platform, Abound does not extend credit or make a loan by allowing access to a Transaction feature. You must maintain sufficient funds or value through a supported Payment Instrument or Platform Partner account when required by the applicable flow.
8A.1.Pricing and binding terms. Rates, Fees, Rewards, and other commercial terms may vary and may expire or change before authorization. The binding total price and other Transaction terms are those displayed in the applicable confirmation, disclosure, receipt, subscription screen, offer terms, or other point-of-use record. Comparison or benchmark information is non-binding unless expressly identified as binding.
8A.2.Abound and Platform Partner pricing. A Platform Partner may establish pricing for its Platform Partner Service. Abound may charge a separately disclosed platform Fee or include a disclosed spread or margin in the total price. The applicable flow will identify the total amount payable and any Abound pricing component as required.
8A.3.Taxes and withholding. You are responsible for determining, reporting, filing, and paying taxes, duties, levies, assessments, governmental charges, penalties, and interest arising from your use of the Abound Platform or a Transaction, Transfer, Reward, referral, subscription, Virtual Asset, or Platform Partner Service, except where Abound, a Platform Partner, or another legally responsible party is required by Applicable Law to collect, withhold, report, or remit an amount.
8A.4.Third-party charges. Banks, card networks, blockchain networks, merchants, recipient institutions, app marketplaces, Platform Partners, and governmental authorities may impose separate charges. Abound does not control amounts independently imposed by those parties.
8A.5.No tax advice. Abound does not provide tax advice. You should obtain advice from a qualified tax professional regarding your individual circumstances. Section 19.3 also applies.
9.1.Contacting Abound. For any question, complaint, cancellation request, error notice, refund request, security issue, or request for information, contact Abound through the in-app support channel or at support@joinabound.com.
9.2.Platform Partner Services. For a Platform Partner Service, you may contact either the applicable Platform Partner using the contact details in its terms, receipt, confirmation, or disclosure, or Abound at support@joinabound.com. Abound may assist with or forward the communication, while the Platform Partner remains responsible for its service. Any service-specific notice method or deadline disclosed for the Platform Partner Service continues to apply. Schedule A governs requests relating to Remittance Transfers.
9.3.Refunds and incorrect instructions. The applicable Platform Partner will process any refund required by its terms or Applicable Law. If you provide incorrect Recipient, account, wallet, network, amount, or other instructions, Abound and the Platform Partner may attempt recovery, but recovery is not guaranteed.
10.1.Ownership. You may use only a Payment Instrument that you own or are legally authorized to use. Linking or displaying a Payment Instrument in the Abound Platform does not by itself authorize a debit or charge.
10.2.ACH authorization. As part of the Service, upon a User’s request, Abound may instruct one or more of its third-party payment Service Providers to direct their partner financial institutions to pull funds directly from such User’s designated bank account to transmit money to the Recipient’s bank account. Funds are transmitted to Recipients via electronic funds transfer, wire transfer or other electronic methods. By linking a bank account or other Payment Instrument that draws on the ACH network and authorizing a Transaction, you authorize Abound and/or the applicable Platform Partner to initiate, on your behalf and in accordance with the NACHA Operating Rules, one or more ACH debit (and, where applicable, credit) entries to the designated account for the amount of the Transaction, any related Fees, and any correction of a prior erroneous entry. You represent that you are an authorized signer on, and have the legal right to authorize debits and credits to, the designated account. This authorization remains in effect until revoked in accordance with Section 10.3, and revocation does not affect a Transaction already in process.
10.3.Revocation, stop payment, and retries. A stop-payment or revocation request does not eliminate obligations already incurred. After an effective revocation or stop-payment order, no debit may be initiated or re-presented except as permitted by the applicable authorization, network rules, or applicable Platform Partner Terms. Platform Partner or Abound reserves the right to initiate any retry.
10.4.Failed funding. If a Payment Instrument fails, is declined, disputed, returned, charged back, lacks sufficient funds, or cannot be verified, the applicable Platform Partner may delay or cancel the Transaction and exercise remedies under its terms. Abound may cancel an instruction before Platform Partner acceptance, reverse or recover Abound-issued Rewards, collect amounts actually owed directly to Abound through a separately authorized method, and restrict access to the Abound Platform, subject to Applicable Law.
10.5.Authorized Transactions and non-waivable rights. A Transaction you authorize is binding, subject to any applicable cancellation, error-resolution, and refund rights. You remain responsible for amounts you validly authorize, except to the extent otherwise required by Applicable Law.
11.1.Nature of the Abound Wallet. The “Abound Wallet” is a convenience label for a display of Rewards, cashback, promotional credits, reimbursements, refunds, adjustments, or similar value associated with your Account. It is not a self-custodial wallet, bank or deposit account, Abound-provided stored-value account, securities or investment account, or money-transmission service, and it does not mean that Abound holds funds or Virtual Assets for you. Reward-related amounts are governed by Schedule C and applicable offer terms; property held or administered by a Platform Partner is governed by its terms; and unclaimed property is addressed in Section 29.
11.2.No insurance; risk of loss. Funds, Virtual Assets, or other value held, transmitted, converted, settled, or paid out by a Platform Partner are not held by Abound, are not bank deposits, and are not insured by the FDIC, the NCUA, or any other governmental deposit- or share-insurance program, except to the extent a Platform Partner expressly and separately discloses pass-through deposit insurance coverage applicable to funds it holds. If a Platform Partner becomes insolvent or is placed into receivership, conservatorship, or a similar proceeding, you may lose some or all of the value associated with the affected Financial Service, and your recourse will be against that Platform Partner under the applicable Platform Partner Terms and Applicable Law.
12.1.Rewards, card-linked offers, promotional cashback, referrals, subscriptions, gift cards, stored-value products, and related benefits are governed by Schedules C and Schedule D.
13.1.Prohibited activities. You may not use or attempt to use the Abound Platform to engage in or facilitate any unlawful, deceptive, abusive, fraudulent, harmful, or restricted activity, including the following:
13.1.1.Financial crime. Engaging in fraud, money laundering, terrorist financing, sanctions evasion, identity theft, phishing, spoofing, account takeover, deception, or use of stolen or synthetic identities.
13.1.2.Illegal or restricted activity. Buying, selling, funding, or facilitating illegal goods or services, unlawful gambling, unlawful adult services, bribery, corruption, trafficking, controlled substances, firearms, sanctions-prohibited dealings, or other activity prohibited by Applicable Law.
13.1.3.Unauthorized third-party or business use. Using the Abound Platform on behalf of another person or as an aggregator, intermediary, reseller, merchant, business, or commercial service without Abound’s written approval.
13.1.4.False information. Providing false, incomplete, misleading, or unverifiable identity, Recipient, Account, bank, wallet, Payment Instrument, or Transaction-purpose information.
13.1.5.Source and destination concealment. Concealing, disguising, or misrepresenting the source, ownership, control, purpose, or destination of funds or Virtual Assets.
13.1.6.Promotional and dispute abuse. Engaging in self-referrals, fake accounts, multiple-account abuse, promotional abuse, Transaction cycling, Chargeback abuse, or dispute manipulation.
13.1.7.Technical misuse. Scraping, crawling, reverse engineering, probing, testing, interfering with security features, introducing Malicious Code, using bots or scripts, or attempting unauthorized access to the Abound Platform.
13.1.8.Unsupported or abusive Virtual Asset activity. Engaging in unsupported, speculative, deceptive, or abusive Virtual Asset activity, including activity involving sanctioned wallets, mixers, anonymization tools, incompatible networks, unsupported tokens, or other activity prohibited by the applicable Platform Partner Terms or Applicable Law.
13.1.9.Harmful conduct. Harassing, threatening, abusing, posting defamatory or harmful content, defaming, or otherwise harming another person, or engaging in conduct that creates material legal, credit, operational, compliance, security, or reputational risk for Abound, Platform Partners, Users, or third parties.
13.1.10.Structuring. Structuring or arranging a series of Transactions to evade currency-transaction-reporting, recordkeeping, verification, or other thresholds under Applicable Law.
13.1.11.Sanctions violations. Funding, facilitating, or engaging in a dealing prohibited by OFAC or another sanctions authority, including a dealing involving a Specially Designated National, blocked person, or comprehensively sanctioned jurisdiction.
13.1.12.Evasion and geographic circumvention. Evading U.S. or foreign currency controls, reporting requirements, or sanctions programs, or using a virtual private network or other means to access the Abound Platform from a jurisdiction in which it is not offered.
13.1.13.Negative balances and sham orders. Allowing your Account or an Abound Wallet display to reflect a negative amount, or creating multiple auto-conversion orders or Transfer requests without intending to complete them.
13.1.14.Account circumvention. Opening or attempting to open a new or additional Account while an Account has a negative balance or has been restricted, suspended, or limited, or using information that is not your own to open or operate an Account.
13.1.15.Duplicate recovery. Receiving or attempting to receive payment, credit, or reimbursement more than once for the same Transaction from Abound, a Platform Partner, a bank, a card issuer, or another person.
13.1.16.Fraudulent funds and sanctioned Recipients. Sending or attempting to send funds you know or reasonably should know were fraudulently obtained, or sending funds to a Recipient you know or reasonably should know is sanctioned or blocked.
13.1.17.Failure to cooperate. Refusing to cooperate with an investigation or to provide information or confirmation reasonably requested by Abound or a Platform Partner regarding your identity, Account, or use of the services.
13.2.Remedies. If you engage in, facilitate, authorize, direct, or permit any other person to engage in prohibited conduct, Abound may take one or more actions permitted by Sections 17 and 18 and the applicable Service Schedule.
14.1.Ownership. The Abound Platform, including its software, design, text, graphics, logos, trade names, features, compilations, interfaces, workflows, and content, is owned by Abound or its licensors, which may include Platform Partners, and is protected by intellectual-property laws.
14.2.Limited license. Subject to your compliance with this User Agreement, Abound grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Abound Platform for personal, non-commercial, and lawful purposes. Abound may suspend or terminate this license for unauthorized use, subject to any access required by Applicable Law for you to obtain records or exercise non-waivable rights.
14.3.Restrictions. You may not copy, modify, distribute, sell, lease, license, reverse engineer, decompile, disassemble, scrape, frame, mirror, or create derivative works from the Abound Platform, except as expressly permitted by law or Abound in writing. You may not use Abound or Platform Partner names, logos, trademarks, or branding without the prior written consent of the applicable owner.
15.1.Feedback. If you provide comments, ideas, suggestions, or other feedback regarding the Abound Platform (“Feedback”), you grant Abound a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, distribute, display, perform, and otherwise exploit that Feedback without restriction, notice, or compensation to you, to the extent permitted by Applicable Law.
15.2.User Content ownership and license. As between you and Abound, you retain any rights you have in User Content. You grant Abound and its Service Providers a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, reproduce, format, transmit, display, and otherwise use User Content as reasonably necessary to operate, secure, support, and improve the Abound Platform, subject to the Privacy Policy and Applicable Law. You represent that you have the rights and permissions necessary to submit the User Content and that it does not violate Applicable Law or a third party’s rights.
15.3.Prohibited User Content and moderation. You may not submit or post User Content that is unlawful, infringing, defamatory, obscene, harassing, deceptive, impersonates another person, contains spam or Malicious Code, registers another person without authority, harvests contact information without authorization, removes attribution or proprietary notices, or otherwise violates this User Agreement. Abound may, but is not obligated to, monitor, moderate, restrict, disable, or remove User Content and may suspend repeat infringers or other violators, subject to Applicable Law.
15.4.Copyright complaints. If the Abound Platform hosts User Content, a copyright owner or authorized agent may send a written notice of claimed infringement to support@joinabound.com.
16.1.Privacy Policy. The Privacy Policy describes how Abound collects, uses, discloses, retains, and protects personal information. Platform Partners may have separate privacy policies and may independently collect or process information when they provide a feature directly to you.
16.2.Information sharing. As described in the Privacy Policy, you acknowledge and, where consent is required, authorize Abound to disclose relevant information to Platform Partners, financial institutions, card networks, payment processors, payout providers, compliance vendors, analytics providers, advertising and offer partners, affiliates, Service Providers, regulators, law enforcement, and other third parties as reasonably necessary to provide services, process Transactions, verify identity, operate offers, prevent fraud, comply with law, resolve disputes, support Users, or protect rights and safety.
16.3.Protect sensitive information. You are responsible for protecting Account details, Transaction details, identification documents, communications, credentials, and other sensitive information. Use only official Abound channels to provide sensitive information.
17.1.Monitoring and information requests. Abound and Platform Partners may monitor Accounts, Payment Instruments, Recipients, devices, wallet addresses, and Transactions and may request information reasonably necessary for fraud prevention, sanctions screening, anti-money-laundering, security, consumer protection, risk management, and compliance with Applicable Law.
17.2.Compliance actions. If requested information is not provided, a risk is identified, or action is required or permitted by Applicable Law, Abound may restrict access to the Abound Platform or cancel an instruction before Platform Partner acceptance. The applicable Platform Partner may delay, reject, block, freeze, reverse, terminate, or report its service, account, or Transaction under its terms and Applicable Law. Where disclosure is legally restricted, Abound or the Platform Partner may be unable to explain the reason for the action.
17.3.Records. Abound and Platform Partners may create, retain, use, disclose, and rely on onboarding, verification, communications, device signals, payment events, support, Abound Wallet, Rewards, Transaction, and compliance records for legal, compliance, audit, dispute-resolution, analytics, fraud-prevention, and operational purposes, subject to the Privacy Policy and Applicable Law. Those records may be used as evidence to the fullest extent permitted by law.
18.1.When Abound may act. To the extent permitted by Applicable Law, Abound may suspend, restrict, or terminate an Account or Abound Platform feature; cancel or reject an instruction before Platform Partner acceptance; adjust, reverse, or forfeit an Abound-issued Reward or promotional credit; or request action from a Platform Partner where reasonably necessary because of a breach of this User Agreement, inaccurate or incomplete information, failed verification, fraud, sanctions, compliance, security, credit, or operational risk, failed or disputed funding, Reward or Chargeback abuse, inability to contact you, or a request or requirement from a Platform Partner, financial institution, regulator, court, or law-enforcement authority. A Platform Partner may independently act under its Platform Partner Terms and Applicable Law.
18.2.Notice and effect. Abound will provide notice of a material suspension or termination where legally and operationally appropriate, but may withhold or limit notice where disclosure is prohibited or would compromise an investigation, security control, or risk-management measure. When a suspension or termination takes effect, access to the affected service ends. Pending Transactions will be handled under Applicable Law, applicable disclosures, and Platform Partner requirements. Accrued obligations and provisions intended to survive remain in effect.
18.3.Setoff and Account closure. After any required notice and to the extent permitted by Applicable Law, Abound may set off amounts you owe directly to Abound against Abound-issued Rewards, promotional credits, or other amounts payable directly by Abound. Abound will not set off a non-waivable refund or funds or Virtual Assets held by a Platform Partner except under a separate valid authorization and Applicable Law. You may not close your Account to evade an investigation, Chargeback, Reversal, debt, restriction, or legal process. Abound may retain records and access restrictions as permitted by law, and a Platform Partner may maintain a hold or restriction under its terms and Applicable Law.
18.4.Maintenance and service availability. Abound may interrupt, limit, or make the Abound Platform unavailable, with or without notice, for maintenance, updates, testing, error correction, security response, legal or compliance requirements, changes to Platform Partner Services, or other operational reasons.
19.1.AS-IS BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE ABOUND PLATFORM AND ALL CONTENT, FEATURES, AND ABOUND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION. PLATFORM PARTNER SERVICES ARE GOVERNED BY THE APPLICABLE PLATFORM PARTNER TERMS.
19.2.No availability or completion guarantee. Abound does not guarantee uninterrupted availability, uptime, processing speed, compatibility, rate availability, successful completion of every Transaction, absence of errors, absence of security incidents, or availability of a Platform Partner, bank, network, card network, blockchain, wallet, payout provider, or Third-Party Service.
19.3.No professional advice. Abound is not a bank, depository institution, insurer, fiduciary, securities broker-dealer, investment adviser, tax adviser, accounting adviser, or law firm. Information on the Abound Platform is general information only and does not constitute legal, tax, accounting, investment, financial, fiduciary, or other professional advice.
19.4.Third-Party Services. Abound is not responsible for acts, omissions, errors, delays, security incidents, insolvency, outages, content, Fees, compliance decisions, or failures of Platform Partners or Third-Party Services except to the extent required by Applicable Law.
19.5.Informational content. Information displayed through the Abound Platform for general informational convenience, including blog, community, and AI-generated content, is governed by Schedules E and F and is not a binding disclosure, confirmation, or receipt unless expressly identified as such.
19.6.Electronic communications risks. Internet and electronic communications may be subject to interception, delay, corruption, loss, or security compromise. Abound does not guarantee that transmission of information through the internet, email, SMS, push notification, or another electronic method will be secure, uninterrupted, or error-free.
20.1.EXCLUDED DAMAGES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ABOUND, ITS AFFILIATES, LICENSORS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AND REPRESENTATIVES (COLLECTIVELY, “ABOUND PARTIES”) WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, LOSS OF USE, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATING TO THIS USER AGREEMENT, THE ABOUND PLATFORM, ABOUND SERVICES, OR ANY TRANSACTION, EVEN IF ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. A PLATFORM PARTNER’S LIABILITY IS GOVERNED BY ITS OWN TERMS AND APPLICABLE LAW.
20.2.SPECIFIC EXCLUSIONS. TO THE FULLEST EXTENT PERMITTED BY LAW, ABOUND PARTIES WILL NOT BE LIABLE FOR LOSSES ARISING FROM YOUR INCORRECT OR INCOMPLETE INSTRUCTIONS; FAILURE TO SAFEGUARD CREDENTIALS OR DEVICES; INSUFFICIENT FUNDS; FAILED FUNDING; CHARGEBACKS; REVERSALS; UNAUTHORIZED USE CAUSED BY YOUR FAILURE TO PROTECT CREDENTIALS; INTERNET, TELECOM, BANK, CARD-NETWORK, PAYMENT-NETWORK, BLOCKCHAIN, OR PLATFORM PARTNER FAILURES; FRAUD REVIEWS; FORCE MAJEURE EVENTS; THIRD-PARTY ACTS OR OMISSIONS; OR A LAWFUL OR RISK-BASED HOLD, SUSPENSION, REFUSAL, RESTRICTION, REPORT, OR COMPLIANCE REVIEW BY ABOUND, A PLATFORM PARTNER, FINANCIAL INSTITUTION, PAYMENT NETWORK, OR GOVERNMENTAL AUTHORITY, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW.
20.3.AGGREGATE LIABILITY CAP. TO THE FULLEST EXTENT PERMITTED BY LAW, ABOUND’S AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS USER AGREEMENT, THE ABOUND PLATFORM, ABOUND SERVICES, OR ABOUND’S ROLE IN A TRANSACTION SHALL NOT EXCEED THE GREATER OF: (A) THE FEES YOU PAID DIRECTLY TO ABOUND FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR (B) USD 100.
20.4.Non-excludable liability. Nothing in this User Agreement excludes liability that cannot be excluded under Applicable Law.
20.5.Basis of bargain. You acknowledge that the disclaimers and limitations of liability in this User Agreement are an integral and fundamental part of the agreement between you and Abound and that the Abound Platform would not be provided to you on the same terms without them.
21.1.User indemnity. To the fullest extent permitted by Applicable Law, you agree to indemnify, defend if reasonably requested, and hold harmless the Abound Parties from third-party claims, losses, liabilities, damages, judgments, settlements, penalties, fines, costs, and reasonable attorneys’ fees arising out of or relating to: your breach of this User Agreement or applicable Platform Partner Terms ; your violation of Applicable Law; your fraud, willful misconduct, or prohibited conduct; your infringement of a third party’s rights; your User Content; your incorrect Recipient, wallet, bank, or Transaction instructions; or a dispute between you and a Recipient or another third party.
21.2.Equitable relief. Abound may seek injunctive or equitable relief for misuse of the Abound Platform, intellectual-property infringement, fraud, unauthorized access, or other conduct for which monetary damages would be inadequate.
22.1.Changes generally. Abound may modify this User Agreement, including the Service Schedules and documents incorporated by reference, by posting an updated version on the Abound Platform, providing in-app notice, sending email, or using another legally sufficient method.
22.2.Immediate changes. Abound may make changes immediately where reasonably necessary to comply with law, Platform Partner requirements, payment-network rules, security requirements, fraud controls, or service changes.
23.1.Governing law. Without regard to conflict-of-law principles, this User Agreement is governed by the laws of the State of Delaware.
23.2.Dispute resolution. Any issue, dispute, claim or controversy in relation to the Platform Partner Services shall be raised by the User directly with the relevant Platform Partner as per their respective Platform Partner Terms without making Abound a party to the same. Any issue, dispute, claim, or controversy between you and Abound arising out of or relating to this User Agreement, the Abound Platform, Abound Services, or Abound’s role in a Transaction (a “Claim”) will be resolved by the process set up in this Clause 23.2.
23.2.1.Arbitration Agreement. Any Claim by the User or between the User and Abound shall be resolved by way of binding arbitration administered by the American Arbitration Association (“AAA”) under its then-current rules and processes; except for claims that cannot be arbitrated as a matter of law.
23.2.2.Non-Arbitrable matters. Any Claim which cannot be arbitrated as a matter of law, shall be referred to and be subject to the exclusive jurisdiction of competent courts in Delaware, USA.
23.2.3.Arbitrator authority and procedure. The arbitrator has exclusive authority to resolve disputes concerning the interpretation, applicability, enforceability, or formation of this arbitration agreement. Arbitration may proceed remotely, by documents, by telephone, or in person as permitted by the AAA rules and Applicable Law. The award shall be final and binding, and judgment may be entered in a court of competent jurisdiction. The arbitration will be conducted before a single arbitrator, and all arbitration fees and costs will be governed by the applicable AAA rules.
23.2.4.Informal dispute resolution. Parties agree that before starting arbitration or filing a court Claim under clause 23.2.1 or 23.2.2, you and Abound agree to, for a period of 30 calendar days, attempt informal resolution. The complaining party must send written notice describing the Claim, relevant facts, and requested relief. Notices to Abound must be sent to TClub, Inc. d/b/a Abound, 108 Lakeland Ave., City of Dover, 19901, County of Kent, Delaware, Attn: Legal, with a copy to legal@joinabound.com, or to an updated legal-notice address posted by Abound. The Parties will attempt good-faith resolution for thirty days, and any applicable limitations period is tolled during that period.
23.3.Jury-trial and class-action waivers. BY AGREEING TO BINDING ARBITRATION, YOU AND ABOUND EACH WAIVE THE RIGHT TO A TRIAL BY JURY FOR EACH CLAIM REQUIRED TO BE ARBITRATED. FOR A CLAIM THAT LAWFULLY PROCEEDS IN COURT, THE AVAILABILITY AND WAIVER OF A JURY TRIAL WILL BE GOVERNED BY APPLICABLE LAW. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND ABOUND EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE OR CONSOLIDATED PROCEEDING, AND AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY. NOTHING IN THIS SECTION WAIVES A RIGHT TO SEEK PUBLIC INJUNCTIVE RELIEF TO THE EXTENT THAT RIGHT CANNOT LAWFULLY BE WAIVED.
23.4.Fees and hearing location. Arbitration fees and costs will be borne by you, unless allocated otherwise under the AAA Consumer Arbitration Rules or Applicable Law.
23.5.Court venue. If arbitration does not apply, the exclusive venue for a court proceeding between you and Abound will be the state or federal courts located in Delaware, unless Applicable Law requires or permits another venue.
24.1.Assignment. You may not assign or transfer this User Agreement without Abound’s prior written consent, and any attempted assignment or transfer in violation of this provision is void. Abound may assign or transfer this User Agreement, in whole or in part, to an affiliate, successor, acquirer, or as part of a merger, sale of assets, financing, or corporate reorganization.
25.1.Force majeure. Abound is not responsible for delay, interruption, failure, suspension, or inability to perform caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, labor disputes, cyberattacks, fraud events, bank failures, Platform Partner failures, internet or telecom outages, government action, sanctions events, payment-network outages, blockchain congestion, protocol failures, pandemics, or similar events.
26.1.Severability; no waiver; headings. If any provision of this User Agreement is invalid, illegal, or unenforceable, it will be modified or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect. Abound’s failure to enforce a provision is not a waiver. Headings and captions are for convenience only and do not affect interpretation.
27.1.Entire agreement. This User Agreement, the Service Schedules, Abound service-specific terms, and legally required Abound disclosures constitute the entire agreement between you and Abound regarding the Abound Platform and Abound Services. The Privacy Policy separately describes Abound’s data practices and is incorporated only to the extent expressly stated. Applicable Platform Partner Terms separately constitute the agreement between you and the relevant Platform Partner for the Platform Partner Service they govern.
28.RELEASES
28.1.California Civil Code § 1542. To the fullest extent permitted by law for the releases in this User Agreement, a California resident expressly waives California Civil Code § 1542, which provides that a general release does not extend to claims the releasing party does not know or suspect to exist in the releasing party’s favor at the time of executing the release and that, if known, would have materially affected the settlement with the released party.
28.2.Third-party disputes. To the fullest extent permitted by Applicable Law, you release the Abound Parties from claims, demands, and damages arising solely from a dispute between you and a third party, including a Recipient, merchant, advertiser, referral contact, wallet provider, bank, or payout network. This release does not apply to a Claim based on an Abound Party’s own breach of this User Agreement, violation of Applicable Law, gross negligence, or willful misconduct and does not waive a non-waivable consumer right.
29.1.Unclaimed property. If an applicable Platform Partner is the legal holder or administrator of property or value legally owed to you and it becomes inactive or dormant for the period specified by Applicable Law, the applicable Platform Partner may treat it as abandoned property and report or remit it to the appropriate governmental authority after any required notice. Please review the applicable Platform Partner terms, for appropriate notices and disclosures.
30.1.No third-party beneficiaries. Except as expressly stated otherwise, this User Agreement does not confer rights on any person other than you and Abound. A specifically identified Platform Partner may enforce its rights under the Platform Partner Terms agreed between you and such Platform Partner.
31.1.English controls. This User Agreement may be made available in English and other languages. The English-language version controls in the event of any inconsistency, except to the extent prohibited by Applicable Law.
32.1.Support. For general support, Account questions, fraud reports, and security reports concerning the Abound Platform, please contact Abound through the official support channels in the Abound app or on www.joinabound.com, including support@joinabound.com. In relation to a Remittance Transfer or Virtual Asset Transfer, you may contact the Platform Partner directly or through Abound Platform by writing to support@joinabound.com.
Scope. These Schedule A terms apply to each Remittance Transfer made available through the Abound Platform.
For purposes of this Schedule A, Platform Partners are (i) Cybrid Technology, Inc. (“Cybrid”) which undertakes collection of User funds, holding of User funds and any conversion of User funds; (ii) Coinbase, Inc. (“Coinbase”) which provides digital-asset on-ramp, stablecoin acquisition, conversion, guest checkout, or related functionality, where enabled; (iii) Plaid Inc. (“Plaid”) which provides bank-account linking, account verification, balance and Transaction information, and related payment support, where enabled; (iv) Saber Money Canada Inc. (“Saber”) which provides where enabled; (v) Jasnah, Inc. (“NEAR AI”) which provides AI-assisted tools, support, rate alerts, transfer-planning features, summaries, or automation support, where enabled; (vi) Sumsub Inc. (“Sumsub”) which provides identity-document collection, liveness verification, KYC/AML screening, fraud prevention, and related compliance support, where enabled; and (viii) Tazapay Canada Corp (“Tazapay”) which provides services in relation to transmission of User Funds to the Recipient.
By continuing to use the Remittance Services, you agree to: (i) the T&Cs and Privacy Policy of Cybrid; (ii) the T&Cs and Privacy Policy of Coinbase; (iii) the T&Cs and Privacy Policy of Plaid; (iv) the T&Cs and Privacy Policy of Saber; (v) the T&Cs and Privacy Policy of NEAR AI; (vi) the T&Cs and Privacy Policy of Sumsub; and (vii) the T&Cs and Privacy Policy of Tazapay. Any changes to a Platform Partner’s privacy policy or terms will be governed by the applicable terms and policies accepted by you.
Additionally, you agree to the terms and conditions below for Remittance Transfer services. In the event of any conflict or inconsistency, the applicable Platform Partner Terms will prevail, followed by this Schedule A, and then the User Agreement.
1.Responsible Platform Partner for Remittance Transfer. The Platform Partner identified in this Schedule A and in each receipt provided to you is responsible for each Remittance Transfer made available through the Abound Platform under the Platform Partner Terms agreed between you and the Platform Partner.
2.Your responsibilities. You must provide the amount, supported funding method, Recipient and destination information, payment purpose, and any other information requested by the Platform Partner directly or through Abound. A Transfer is not accepted until you authorize it and the applicable Platform Partner accepts it after required funding, verification, fraud, sanctions, and compliance checks.
3.Quotes, disclosures, and receipts. Rates, Fees, taxes, estimated delivery times, and other information displayed before authorization may be estimates or time-limited quotes. The binding terms are those in the Platform Partner's disclosure, confirmation, or receipt, subject to estimate rules and exceptions permitted by Applicable Law. Any Abound platform Fee, spread, margin, other Abound pricing component, or tax withholding will be reflected or described in the applicable flow or disclosure as required by Applicable Law and determined by the relevant Platform Partner.
4.Cancellation. An eligible Remittance Transfer may be canceled without charge if the Platform Partner, directly or through Abound, receives a sufficient request within 30 minutes after payment is made, or within any longer period required by Applicable Law. You may submit the request directly to the Platform Partner or through support@joinabound.com.
5.Delays, refusals, returns, and incorrect information. A Transfer may be delayed, refused, canceled, returned, restricted, or blocked because of failed or reversed funding, incomplete or incorrect information, risk or compliance review, Platform Partner or financial-institution action, unavailable rails, or Applicable Law. If a Transfer fails before completion, refunds will be handled by the applicable Platform Partner. Recovery of a Transfer sent using incorrect instructions may not be possible and is not guaranteed.
6.Completion and records. Unless Applicable Law or a specific disclosure states otherwise, a Remittance Transfer is complete when value is delivered to the Recipient or designated account according to your instructions. Where available, Transaction history may be displayed through the Abound Platform, but the Platform Partner’s records, disclosure, confirmation, and receipt control the Transaction.
Scope. These Schedule B terms apply to a Transfer involving a Virtual Asset.
For purposes of this Schedule B, Platform Partners are (i) Cybrid; (ii) Plaid; (iii) Saber; and (iv) Sumsub, which provides various services in relation to a Transfer involving a Virtual Asset.
By continuing to use any functionality related to Virtual Asset Transfers, you agree to: (i) the T&Cs and Privacy Policy of Cybrid; (ii) the T&Cs and Privacy Policy of Plaid; (iii) the T&Cs and Privacy Policy of Saber; and (iv) the T&Cs and Privacy Policy of Sumsub. Any changes to a Platform Partner’s privacy policy or terms will be governed by the applicable terms and policies accepted by you.
Additionally, you agree to the terms and conditions below for Virtual Asset Transfer services. In the event of any conflict or inconsistency, the applicable Platform Partner Terms will prevail, followed by this Schedule B, and then the User Agreement.
1.Partner functions and User instructions. Acquisition, custody, exchange, conversion, redemption, settlement, and payout functions are performed by the applicable Platform Partners. You are responsible for transferring the Virtual Assets to the relevant Payout Partner in India and selling them on that partner’s platform. Abound merely coordinates instructions and data and displays status information but does not issue, take title to, custody, transmit, exchange, convert, redeem, settle, or pay out Virtual Assets.
2.Accounts, title, and custody. You may be required to complete separate onboarding and maintain an account or wallet with one or more Platform Partners. Your rights in any Virtual Asset, including title, custody, redemption, freezes, sale, burns, or reserve claims, are governed by your relationship with the issuer including applicable issuer terms, Platform Partner Terms, Transaction disclosures, and Applicable Law, not by Abound.
3.Cancellation. An eligible Virtual Asset Transfer may be canceled without charge if the Platform Partner, directly or through Abound, receives a sufficient request within 30 minutes after payment is made, or within any longer period required by Applicable Law. You may submit the request directly to the Platform Partner or through support@joinabound.com
4.Authorization, completion, and finality. By confirming a Virtual Asset Transfer, you authorize the applicable Platform Partners to perform the steps described in the Transaction flow and confirmation. Abound may transmit your instructions but cannot reverse or recover a completed blockchain transaction. Completion and finality are determined by the applicable Platform Partner Terms, network rules, confirmation, and Applicable Law.
5.Risks. Virtual Asset Transfers may be irreversible, delayed, rejected, frozen, publicly visible, unsupported on certain networks, affected by incorrect wallet addresses or network selection, and subject to technology, liquidity, volatility, regulatory, sanctions, insolvency, issuer, reserve, and smart-contract risks. Virtual Assets are not U.S. government-issued currency or legal tender, are not deposits held by Abound, and are not insured by the FDIC, NCUA, or SIPC.
6.Pricing and amounts. The amount acquired, transferred, converted, sold, or delivered may vary because of price movement, spreads, Fees, network costs, taxes, timing, liquidity, and terms of the Platform Partner.
7.Taxes and compliance. A Platform Partner or other legally responsible party may collect, withhold, report, or remit taxes, including tax deducted at source in India, where required. A Virtual Asset Transfer may be restricted, delayed, frozen, rejected, or reported for risk, sanctions, anti-money-laundering, or other compliance reasons under the applicable Platform Partner Terms and Applicable Law.
Scope. These Schedule C terms apply to Abound Offers, card-linked offers, cashback, promotional credits, referrals, Abound Elite or another subscription, and similar programs. They supplement the body of this User Agreement and the specific terms displayed in the Abound Platform at enrollment, activation, award, or redemption and, where applicable, any material expiration or forfeiture terms disclosed before the applicable Reward is earned.
1.Offer eligibility and activation. Eligible registered Users may browse or activate merchant, card-linked, grocery, remittance, referral, subscription, or other offers made available through the Abound Platform. An offer may require you to link an eligible Payment Instrument, activate the offer, transact with an eligible merchant or service, and satisfy the conditions displayed in the app. Where the app identifies an offer as automatic, qualifying activity may be detected from linked Transaction data and credited without a separate receipt, subject to data availability, verification, and any applicable consent. Offer availability, participating merchants, rates, Reward amounts, caps, categories, and eligibility may change and are not guaranteed. Any material conditions affecting whether a Reward may be earned, redeemed, or expire will be disclosed as required by Applicable Law.
2.Reward status; no stacking. A Reward may be pending, conditional, personal, non-transferable, non-combinable, capped, subject to verification, and unavailable for withdrawal, redemption, or use until vested. Offers may not be stacked or combined unless the applicable offer terms expressly state otherwise. Where multiple offers appear applicable to one Transaction, only one Reward will apply, as determined under the applicable offer terms displayed in the Abound Platform. In case of cashbacks, cashback withdrawal, redemption, and use are subject to the applicable cashback terms, including any minimum balance, eligibility, and use restrictions. Cashback earned through certain remittance campaigns may cause the entire cashback balance in your Abound Wallet to become available only for future remittances and no longer eligible for bank withdrawal.
3.Pending periods, use restrictions, and redemption. Pending or vesting periods, minimum thresholds, inactivity rules, any applicable expiration conditions, permitted uses, withdrawal or redemption availability, and restrictions to Transfers or another feature are those disclosed in the app or applicable offer terms. Cashback may expire after a period of account inactivity, including where you have not opened the app or earned cashback for several months. Specific cashback offers may have separate expiry dates, which will be disclosed with the offer. Abound may also expire wallet balances upon advance notice and in accordance with the applicable terms and conditions. Abound may impose different restrictions on different categories of Rewards and may restrict the withdrawal, transfer, combination, redemption, or use of all or part of a displayed Reward balance to the extent disclosed and permitted by Applicable Law. There is no guarantee that all Rewards will remain available indefinitely; however, an expiration or forfeiture condition will not be applied retroactively to a vested Reward except where permitted by Applicable Law or required to address fraud, error, reversal, ineligibility, or similar circumstances described in these terms. Any withdrawal or payment made available is performed by the applicable Platform Partner.
4.Reversals and recovery. Abound may deny, adjust, reverse, suspend, reduce, recover, expire, or forfeit a Reward where a qualifying Transaction is canceled, refunded, reversed, charged back, disputed, returned, ineligible, fraudulent, abusive, granted in error, or fails to satisfy the offer terms. Recovery may be made from other or future Rewards, refunds, or other amounts payable directly by Abound. A debit to a Payment Instrument requires a separate valid authorization and must comply with Applicable Law. Refunds and reimbursements are not Rewards unless expressly identified as such.
5.Referrals. Referral eligibility, Reward amount, vesting event, permitted use, expiration, and withdrawal availability are those displayed in the app or applicable referral terms and any material expiration condition will be disclosed in connection with the applicable referral offer. You may refer only a real person with whom you have a genuine relationship and who has consented to receive the communication where required. Self-referrals, fake or duplicate accounts, spam, paid lead generation, misleading promotion, public code distribution where prohibited, and other abuse are prohibited.
6.Subscriptions and Abound Elite. The price, billing cadence, free or promotional trial, benefits, limits, eligibility, renewal date, cancellation method, and refund treatment are those displayed before enrollment and in the retainable acknowledgment. By affirmatively enrolling, you authorize recurring charges through the applicable billing provider until cancellation. Abound will retain evidence of consent for the period required by Applicable Law; provide legally required trial-ending, renewal, annual, material-change, and price-change notices; and provide a simple cancellation method through the same medium used to enroll or another method permitted by Applicable Law. A subscription purchased through an app marketplace may also be governed and managed through that marketplace’s terms and settings.
7.Third parties and taxes. Merchants, advertisers, offer networks, card networks, app marketplaces, and other Platform Partners are responsible for their own products, fulfillment, eligibility determinations, and services under their terms. You are responsible for tax reporting and consequences associated with Rewards, referrals, or subscriptions except where Applicable Law assigns that responsibility to Abound or a Platform Partner.
8.Displayed credits and withdrawal. Credits displayed in an Abound Wallet may be pending, conditional, restricted, subject to correction, or unavailable for withdrawal or redemption until conditions shown in the app, this Schedule C, or applicable offer terms are satisfied. Once a Reward has vested, any applicable expiration or redemption restriction will be governed by the terms disclosed for that Reward and Applicable Law. Any payment, withdrawal, redemption, conversion, or transfer made available is performed by the applicable Platform Partner under its terms and may be subject to verification, thresholds, timing holds, limits, and feature availability. Display of a Reward or other value does not create a vested or withdrawable right before all applicable conditions are satisfied.
9.Unclaimed property. Section 29 governs any Reward or other property that becomes subject to an applicable unclaimed-property law.
10.Advertising and merchant content. The Abound Platform may display sponsored content, merchant or card-linked offers, branded pages, affiliate links, advertisements, or targeted offers. Abound does not endorse or guarantee, and is not responsible for, third-party or merchant products, claims, availability, fulfillment, or services except to the extent expressly stated or required by Applicable Law.
11.Program adjustments and protected funds. Abound may cancel, adjust, reverse, suspend, expire, forfeit, or recover a Reward, cashback amount, promotional credit, subscription benefit, or other displayed promotional balance where permitted by this Schedule C, applicable offer terms, or Applicable Law, including for fraud, error, ineligibility, reversal, or program termination. Abound will not materially reduce or eliminate a vested Reward through a retroactive program change except where permitted by Applicable Law. An applicable Platform Partner may exercise corresponding rights under its Platform Partner Terms. These rights do not extend to User-owned fiat currency or other property held by a Platform Partner, which remains governed by the applicable Transaction documents and Platform Partner Terms.
Scope. Where the Abound Platform makes a gift card or similar stored-value product available, the applicable product is issued and honored by a Platform Partner, merchant, or other issuer (“Issuer”), not by Abound, unless Abound expressly states otherwise. Abound’s role is limited to presenting and facilitating access to the product.
1.Issuer terms and disclosures. Your purchase and use of a gift card or stored-value product are governed by the Issuer’s terms presented or linked before purchase. The Issuer is responsible for legally required disclosures and treatment of expiration, Fees, reloadability, cash redemption, replacement, transfer, resale, refunds, balance inquiries, and disputes. Abound will present or link the Issuer identity and material terms before purchase to the extent required by Applicable Law.
2.Responsibility and recourse. Abound does not issue, guarantee, insure, or honor a gift card and is not responsible for an Issuer’s or merchant’s acts, omissions, insolvency, non-acceptance, or non-performance, except to the extent required by Applicable Law. Your recourse is against the Issuer, subject to non-waivable rights.
1.Publications. Blogs, articles, newsletters, FAQs, calculators, rate displays, comparisons, alerts, and other publications are for general informational purposes only. They are not binding Transaction disclosures or legal, tax, accounting, investment, financial, fiduciary, or other professional advice. Abound may update, correct, restrict, or remove them without notice.
2.User Content. If the Abound Platform permits you to submit or post User Content, the license, representations, prohibited-content rules, moderation rights, and copyright procedures in Sections 14 and 15 apply. Content posted to a public or community area may be visible to other Users and third parties.
3.Communications and referrals. You may not impersonate another person, register another person without authority, harvest contact information, send spam or unauthorized communications, delete attribution or proprietary notices, or submit material for which you lack necessary rights.
Scope. These Schedule F terms apply to artificial-intelligence features made available to you through the Abound Platform.
For purposes of this Schedule F, the relevant Platform Partner is NEAR AI. Abound acts as an orchestration layer and facilitates communications between you and the Platform Partner.
By continuing to use any functionality related to the AI Services, you agree to the T&Cs and Privacy Policy of NEAR AI. Any changes to NEAR AI’s privacy policy or terms will be governed by the applicable terms and policies accepted by you.
Additionally, you agree to the terms and conditions below for AI Services. In the event of any conflict or inconsistency, the applicable Platform Partner Terms will prevail, followed by this Schedule F, and then the User Agreement.
1.Input and Output. “Input” and “Output” have the meanings given in Section 2. AI is probabilistic, and Output may be inaccurate, incomplete, outdated, biased, misleading, offensive, or otherwise wrong. Similar Input may produce different Output, and Output may not be unique or original.
2.No advice or binding terms. Output is provided by the Platform Partner for informational convenience only, and does not represent Abound’s views or constitute legal, tax, accounting, investment, financial, compliance, or other professional advice. Output is not a binding quote, FX Rate, Fee, disclosure, confirmation, receipt, or commitment. Only the applicable Transaction confirmation, disclosure, or receipt is binding.
3.Your responsibility. You are responsible for your Input and for independently reviewing and verifying Output before relying on it.
4.Disclaimers and liability. To the fullest extent permitted by Applicable Law, AI Services and Output are provided “as is” and “as available,” by the Platform Partner without warranties of accuracy, reliability, availability, fitness for a particular purpose, non-infringement, or error-free operation.
5.Data and sensitive information. As between you and the Platform Partner, you retain any rights you have in Input. You grant the relevant Platform Partner a non-exclusive, worldwide, royalty-free license to use, process, host, transmit, and create derived data from Input and Output as reasonably necessary to operate, secure, support, and improve the AI Services, subject to Applicable Law. Do not submit one-time passcodes, passwords, full payment-card, bank-account, or government-identification numbers unless the feature expressly requests them, or another person’s personal information without authority.
6.Prohibited uses. You may not use AI Services to develop or improve a competing AI model; reverse engineer or extract models, weights, training data, or system prompts; circumvent safety or usage controls; generate or facilitate unlawful, fraudulent, deceptive, harassing, infringing, or harmful content; evade sanctions, anti-money-laundering, or other Applicable Law; or make automated decisions producing legal or similarly significant effects concerning another person.