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Last Updated: April 8, 2025
These Terms of Service (“Terms”) are provided by Bold Technologies, Inc. (referred to as “Bold,” the “Company,” “we,” “us,” or “our”). The Terms apply to your usage of Bold's products and services, and any other services made available to you by us (collectively, the “Services”), which are accessible through our website at https://getbold.io (the "Site") and our web-based application (the "App"). When you use the Services, you are agreeing to abide by these Terms, which may also encompass conditions set by third parties. These Terms create a legally binding agreement between you and Bold.
By using the Services, creating an account, or clicking "Agree" when prompted on the Site, you agree that you've read, understood, and accepted all of the Terms and our Privacy Policy (the "Privacy Policy"), which is incorporated by reference into the Terms.
We reserve the right to make updates to these Terms, including the Privacy Policy, at our discretion, at any time. When we do, we will update the "Last Updated" date at the start of the Terms. In the event of such an update, we will provide notice by posting the revised Terms on the App and the Site, and potentially through other suitable communication channels as determined by us. Therefore, it is essential for you to periodically review this Agreement on our App and Site for any revisions, especially when using the Services. Should you continue to use the Services following the posting of an update to the Terms, you are indicating your acceptance of the modified Terms. If you do not agree with the updated Terms, you should discontinue your use of the Services. Furthermore, as our Services change, we may alter or terminate any or all aspects of the Services without prior notice, exercising our sole discretion.
Please take note: It's important to carefully read and understand the Terms and the Privacy Policy because they govern your use of the Services. These Terms include significant details, such as a binding arbitration provision and a waiver of class action, both of which affect how disputes are resolved. The Services are only accessible to you, and you should only use them if you fully agree with the Terms.
By using our Services or by clicking "I ACCEPT" or a similar acceptance box, you confirm that you comprehend and agree to abide by all the Terms and any incorporated agreements.
If you're accepting the Terms on behalf of a legal entity, and you access or use the Services or accept the Terms on its behalf, you confirm that you have the legal authority to do so. In this case, the term "you" (except as used in this paragraph) refers to that entity. If you lack such authority or do not agree with all the Terms, we cannot provide our Services to you. If you don't agree to the Terms, neither you nor the entity you represent should access or use our Services.
1. ACCOUNT
1.1 Account Creation: To use our Services, you must create an account ("Account"). During this process, you'll need to provide certain information such as your name, email, phone number, address, date of birth, social security number, and government-issued ID documents. When you use a new device to access your Account for the first time, you may need to provide additional information to verify your identity. If your Account cannot be authenticated, you won't be able to access it. You agree to give accurate, current, and complete information about yourself when creating an Account, and to update it promptly when necessary.
1.2 Username Selection: When setting up your Account, you'll choose a username to identify yourself when using our Services. Your username must not mislead or deceive others about your identity. We may ask you to change your username or Account details at our discretion, and we can also reclaim or make your username unavailable without any liability to you.
1.3 Eligibility: By creating an Account, you confirm that you (a) are at least 18 years old or of the legal age required to enter into a binding contract under applicable law; (b) have the legal capacity and authority to agree to these Terms; and (c) have not been previously suspended or removed from using our Services.
1.4 Information Verification: You authorize us, either directly or through third parties, to make inquiries we consider necessary to verify your Account information. This may include requesting further information or documentation related to your Account usage or identity. We may also verify your information against third-party databases or other sources.
1.5 Account Approval: We have the right to reject your application to create an Account or cancel an existing Account for any reason at our discretion.
1.6 Communication: We will primarily use the email address you provide to communicate about your Account and provide technical support. It's essential to keep your email address and contact information up to date in your Account profile.
1.7 Mobile Phone Number: If you provide us with a mobile phone number, you consent to receiving text (SMS) messages and/or phone calls from us. Standard text messaging rates and other charges may apply based on your mobile carrier's plan.
1.8 Impersonation and Fraud: You must not impersonate any other person or entity to access an Account or access someone else's Account without their permission. Automated or fraudulent Account creation is not allowed.
1.9 Legal Compliance: You agree to use the Services in compliance with all applicable laws. You are solely responsible for any improper or unlawful activity related to your Account, including any misrepresentations during Account creation.
1.10 Sharing Information: We will share your Account information and transaction details with third-party service providers, including our Financial Services Partners (“FSP”), who process transaction requests as outlined in our Privacy Policy.
1.11 Account Security: You are responsible for the security of your Account. If you notice any unauthorized use of your password or Account, you agree to promptly notify us through our Support Channels, such as help@getbold.io, or other contact methods provided on the Site.
2. USING THE SERVICES
2.1 How to Start: To use our services, you need to follow these steps: (a) create an Account and agree to the corresponding account agreement with an FSP; (b) fund your Bold account with US dollars by transferring dollars into your Bold account from your external bank account.
2.2 Funds Availability: When you execute an electronic transfer of funds to your account with one of our FSPs, those funds will generally be made available to you on the next business day. For purposes of this paragraph, a “business day” is any day of the week that is not a Saturday, Sunday, or federal holiday as set forth at https://www.frbservices.org/about/holiday-schedules. Our FSPs may have different policies as to when they make your funds available to you, and that specific FSP’s funds availability policy governs the relationship of your account with them.
2.3 Fees: We and the FSPs we work with may charge fees on the use of the services. These fees will be described in our fee disclosure posted on our website or in any applicable agreement you enter into with an FSP under section 2.1.
2.4 Bitcoin Purchase or Sale Price: While we provide information indicating a price for the bitcoin you're buying or selling, please note that we do not sell or broker the purchase or sale of bitcoin. The entire transaction takes place between you and an FSP, which might result in a different price for the bitcoin than what you initially saw when using our Service.
2.5 ACH Transactions: If you choose to use our services, you expressly authorize the initiation of ACH transactions from your external bank account as specified in these Terms. You agree to provide accurate and complete bank account information, including verifying your ownership of the account and maintaining sufficient funds to cover authorized transactions. If you initiate a transaction, your linked bank account may be debited immediately. After initiating an ACH transaction, the corresponding U.S. dollar balance in your Account is temporarily pending and will be formally credited after the bank transfer clears, usually within five (5) business days.
2.6 Recurring Purchases: Occasionally, we offer products that allow you to make future bitcoin purchases based on a recurring schedule (known as "Recurring Purchases"). If you've authorized ACH transactions for Recurring Purchases, this authorization remains in effect until you modify or cancel your Future Purchase settings in your Account. Recurring Purchases happen as per your chosen settings, typically within a 24-hour window on the transaction date. You can cancel or modify Recurring Purchases anytime through your Account. Such changes made directly through your Account dashboard may take up to two business days to take effect. You can also cancel or modify your ACH authorization, including for Future Purchases, by notifying us through our Support Channels at least 3 business days before the next scheduled transaction.
2.7 Credit Report Authorization: Under the Fair Credit Reporting Act (FCRA), we may obtain a consumer report to assess your bank account's transaction history, including overdrafts, insufficient funds, or unauthorized use notifications, solely for this specific purpose when you choose to use our services. By doing so, you expressly authorize us to obtain this consumer report, and you understand that the information will be kept confidential and used exclusively for this purpose, potentially involving third-party vendors.
2.8 ACH Reversals: If an ACH reversal occurs after using our services through ACH transactions, you may be responsible for associated fees or charges. In cases where an ACH reversal leads to a negative balance in your Account, we have the right to offset this amount with the reversed funds. Once a transaction is marked as complete or pending, you cannot cancel, reverse, or change it. If your payment fails or if your payment method has insufficient funds, we may, at our discretion, cancel the transaction or debit your other payment methods, including your U.S. dollar balance or linked accounts, to complete it. You must maintain an adequate balance (or credit limits) to avoid overdraft or non-sufficient funds (NSF) fees charged by your bank or payment provider. We reserve the right to refund U.S. dollar amounts in your account, refuse to process or cancel transactions, or reverse them for reasons like legal orders, suspected financial crimes, errors, or violations of our provisions.
2.9 ACH Transaction Fees: You agree to pay any fees or charges associated with ACH transactions, including fees imposed by your bank or the ACH operator. These fees and charges may change without notice.
2.10 Transaction Authorization: When any transaction occurs in your Account, we assume you authorized it unless you inform us otherwise. If you believe an unauthorized or incorrect transaction has taken place, contact our Support Channels immediately. Regularly check your Account and transaction history and report any unauthorized or incorrect transactions as soon as possible.
2.11 Transaction Records: You can view your U.S. dollar and bitcoin balances in your Account. Your transaction history includes information such as the transaction amount and type, the payer/payee's identity (if applicable), Fees, the U.S. dollar to bitcoin exchange rate for each transaction, and the transaction date.
3. MULTISIGNATURE SELF-CUSTODY VAULT SERVICES
We may offer you the ability to create, on our platform, a self-custodial multisignature bitcoin Vault.
3.1 Vaults and Vault Addresses: The "Vault Services" let you create digital storage spaces for bitcoin, known as "Vaults," (each, a “Vault”) and unique addresses associated with the Vaults, called "Vault Addresses." These Vaults are designed for the storage of bitcoin. Transferring bitcoin to any of the Vault Addresses associated with your Vault(s) is a way of transferring bitcoin to the associated Vault. You can utilize supported hardware wallets to upload bitcoin public key data and generate key definitions, referred to as "Customer Key Objects," through our online application, the "Platform." It is important to note that the Vault Services and the Platform do not store, send, or receive actual bitcoin or any other form of currency. Instead, they facilitate your interaction with the bitcoin blockchain. This allows you to monitor the balances of bitcoin that you deposit into your Vault via its Vault Addresses, and authorize transfers of bitcoin from your Vault.
3.2 Customer Key Objects and Signing Requests: To authorize the transfer of bitcoin from your Vault, a quorum of private keys linked to the public key(s) of a Vault Address is required. Bold will always hold fewer than the necessary private keys for a quorum. We lack the capability to unilaterally execute transfers from your Vault, and we cannot prevent a transfer if it is signed by a quorum of keys. Once a signed transfer is validated by the bitcoin network, cancellation or reversal through the Platform or any other Vault Service component is not possible. Bitcoin transactions are considered to have been made upon recording on the public ledger, not necessarily when you take any action(s) on the Platform. You can use the Platform to create, sign, and broadcast bitcoin transfers from your Vault(s) to a specified address. Additionally, you can request Bold to apply cryptographic signatures to specific bitcoin transactions, known as "Signing Requests." A quorum of private keys linked to your Vault will be under your control through Customer Key Objects, while the rest is managed by Bold. With control over a quorum of private keys, you can independently create, sign, and broadcast transfers without submitting a Signing Request to Bold. Alternatively, you can use fewer than a quorum of keys from Customer Key Objects to create and sign a transfer from your vault address. Subsequently, you can submit a Signing Request to Bold for co-signing and transaction broadcast. In the event that you lose access to a quorum of your Vault's keys or the necessary unlocking information (such as passwords, passphrases, or PIN numbers), your bitcoin may become permanently inaccessible. Recovery through the Platform or any other Vault Services would not be possible in such a scenario.
3.3 Key Replacement Requests: If any hardware wallet linked to your Customer Key Objects or Vault(s) is lost, stolen, inoperable, or you suspect a compromise in its security, prompt action is necessary. In such circumstances you must immediately utilize the Platform to generate a request to replace the affected Customer Key Object with a new one. This new Customer Key Object should be created using a secure hardware wallet. Such a request is termed a "Key Replacement Request."
3.4 Processing of Signing Requests and Key Replacement Requests: For any Signing Request or Key Replacement Request directed to Bold, we will verify the submitting User's identity and the authenticity of the request. Bold reserves the right to refuse to cosign any Signing Request or to implement any Key Replacement Request if (a) there are reasons to believe it is not valid and authorized by the User, or (b) it is believed in good faith to violate applicable laws and regulations, thereby constituting an "Invalid Request." We commit to examine Signing Requests and Key Replacement Requests diligently within our regular business hours and in a commercially reasonable manner. However, we cannot guarantee any specific processing time. Bold will not be deemed in violation of this Agreement if Key Replacement delays arise due to our inability to authenticate any Signing Request or Key Replacement Request, or because of any issues with the bitcoin network preventing broadcast of transactions, or similar problems beyond our control. If Bold takes specific measures to authenticate a Signing Request or Key Replacement Request in a particular instance, it does not imply a guarantee that the same verification actions will be taken in the future concerning other Signing Requests or Key Replacement Requests. Verification procedures may vary based on individual circumstances and factors present in each case.
3.5 Fees for Signing Requests and Key Replacement Requests: We may charge a fee each time you conduct a Signing Request or Key Replacement Request. We will disclose the fee to you prior to completing the request. By completing a Signing Request or Key Replacement Request on the Platform, you agree to pay the fee, which may be paid via funds in your account or another payment method including authorizing an ACH transfer of funds from a linked external account. You agree that any fees as a result of conducting a Signing Request or Key Replacement Request that we do not collect from you such as bitcoin network transaction fees, mining fees, FSP fees, or other related external fees are your responsibility.
4. OUR RELATIONSHIP WITH THE FSPS
We want to clarify that we don't have the authority to give directions to an FSP regarding your assets held with them, or with any partner of an FSP. The only exception to this is when our direction is necessary to help transfer your assets from one FSP to another. In all other situations, an FSP won't grant us any control or decision-making power over your assets they hold on your behalf. Additionally, an FSP will never mix the assets they hold on our behalf with the assets they hold on your behalf. It's important to note that we are not designated as an agent for your account(s) with an FSP. You always maintain legal ownership of the assets held in any FSP account.
5. OUR RIGHTS
We want to make you aware of the following rights we have, which are not obligations on our part.
5.1 We can modify, substitute, eliminate, or add to any of our Services with or without notice to you.
5.2 We can suspend or terminate the Account of anyone who violates the Terms.
5.3 We can review, modify, filter, disable, delete, or remove any and all content and information from the Site.
5.4 We can automatically update and download any software provided on or through the Site.
5.5 We can cooperate with law enforcement, courts, government investigations, or third parties if they request or direct us to disclose information or content that you provide.
5.6 We may display advertising and promotions on the Site, which could be targeted to specific users or parts of the Site based on user queries or preferences. These advertisements or promotions may not always be labeled as paid.
6. INTELLECTUAL PROPERTY OWNERSHIP
6.1 Our Intellectual Property: We own all rights, titles, and interests in our intellectual property, which includes things like inventions, ideas, code, designs, trademarks, and more (referred to as "Company IP"). This Company IP is safeguarded by copyright, trade dress, patent, trademark laws, international conventions, and other relevant intellectual property and proprietary rights, as well as applicable laws. You can't use any of the Company IP without our prior written consent. We reserve all rights in and to the Company IP that are not explicitly granted to you in the Terms.
6.2 Limited License: We grant you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access the material on the Site for non-commercial purposes only, subject to your continuous compliance with the Terms. This license allows you to use the Site and our Services as permitted by the Terms. You agree not to remove, alter, or obscure any proprietary notices on the material on the Site or any other Company IP. You are not allowed to modify, alter, convert, adapt, clone, replicate, duplicate, copy, translate, reverse engineer, or otherwise manipulate any part of our Services or the Company IP. Any rights not explicitly granted in the Terms are reserved.
6.3 Providing Feedback: If you choose to provide comments, bug reports, ideas, or other feedback about our Services (collectively referred to as "Feedback"), you agree that we can use this Feedback at our discretion without owing you additional compensation. We may also disclose this Feedback to third parties, whether on a non-confidential basis or otherwise. If required by applicable law, you grant us a perpetual, irrevocable, non-exclusive, transferable, worldwide license to use your Feedback for any purpose, with all necessary rights to incorporate and use your Feedback.
7. CONDUCT
7.1 By way of example, and not as a limitation, you may not, and may not allow any third party to:
7.2 If you engage in any of the activities prohibited by Section 6.1, then we may, at our sole and absolute discretion, without notice to you and without limiting any of our other rights or remedies at law or in equity, immediately suspend or terminate your Account and/or prevent you from accessing our Services. If we prevent you from accessing our Services, then you are responsible for all losses that result from that suspension or termination. You are further prohibited from using the Services in any manner that is not expressly and unambiguously authorized by the Terms.
8. THIRD-PARTY SERVICE PROVIDERS
8.1 Service through Third Parties: Our Services operate with the involvement of third-party service providers. When you use our Services, you must agree to separate agreements with these third parties. You are obligated to comply with all the terms of these third-party agreements when using our Services. Please note that we are not part of these agreements, and we bear no responsibility for the products and services offered by these third parties. The Terms do not establish a contractual relationship between you and our service providers. You recognize and accept that we are solely responsible for our Services, including maintenance and support.
8.2 No Warranty from Service Providers: Our third-party service providers do not have any warranty obligations concerning our Services. If there are any claims, losses, liabilities, damages, costs, or expenses related to our Services not meeting any warranty provided by us (if any), it's our sole responsibility.
8.3 Claims and Responsibilities: When it comes to the services provided by our third-party service providers in connection with our Services, they are responsible for addressing claims, including but not limited to: (a) product liability claims; (b) claims about the Services not meeting applicable legal or regulatory requirements; (c) claims arising under consumer protection, privacy, or similar laws; and (d) intellectual property claims.
9. TAXES
You are solely responsible for following the laws related to using the Services. This includes any obligations to report and pay taxes. You're also responsible for figuring out, paying, withholding, filing, and reporting all taxes, duties, and other assessments connected to your use of the Services. If you're not a United States taxpayer, you should check the laws of your relevant jurisdiction.
10. YOUR REPRESENTATIONS AND WARRANTIES
When you use our Services, you are making certain promises to us and our affiliated companies. These promises include the following:
10.1 Authority: You have the necessary authority and power to agree to the Terms, buy and use our Services, and fulfill your obligations under the Terms. If you are an individual, you are at least eighteen (18) years old and legally capable of buying and using our Services. If you are a business entity, you are properly organized, legally existing, and in good standing under your home jurisdiction's laws and any other places where you operate.
10.2 No Conflict: Agreeing to, signing, and following the Terms will not result in any breaches, conflicts, or significant defaults in various situations, including:
10.3 No Consents or Approvals: You don't need approvals or actions from any government authority or individual other than yourself to agree to the Terms, execute them, or fulfill your obligations under them.
11. SANCTIONS
We must follow economic sanctions and trade limitations, including those set by the Office of Foreign Assets Control ("OFAC") at the United States Department of the Treasury. This means that neither we nor anyone using our Services can engage in transactions involving specific individuals or places, as identified by agencies like OFAC. No one using our Services, no matter where they are, can take part in transactions that involve:
11.1 Specific Geographic Areas: These areas are defined by U.S. laws and regulations.
11.2 Sanctions Lists: This includes individuals or entities listed on sanctions lists such as OFAC's Specially Designated Nationals (SDN) List or Foreign Sanctions Evaders (FSE) List, including any digital currency addresses linked to these individuals or entities.
11.3 Cuban Nationals: Nationals of Cuba, unless they can prove citizenship or permanent residency outside of Cuba.
To ensure compliance with these sanctions, you cannot use your Account while in certain geographic locations. If we suspect that you're using your Account from a sanctioned place or violating economic sanctions or trade restrictions in any way, we may suspend or terminate your use of our Services, even canceling ongoing bitcoin purchases or withdrawals.
Generally, you cannot sell products or services that originate from sanctioned areas. This includes items that existed before the sanctions, as we can't verify when they were removed from the restricted location. Besides following OFAC and local laws, other countries may have their own trade restrictions, and some items might not be allowed for export or import under international laws. When transactions involve international parties, it's essential to understand the laws of the relevant jurisdiction.
Third-party payment processors and FSPs may also independently check transactions for sanctions compliance and block them as part of their own compliance efforts. We don't have control over their independent decision-making.
Remember that economic sanctions and trade restrictions can change, so it's a good idea to regularly check sanctions resources.
12. TERMINATION
You can terminate your relationship with us whenever you like by closing your Account and stopping your use of our Services, as long as you follow the Terms and applicable laws. Just send us an email at help@getbold.io to cancel your Account.
We have the right to terminate the Terms and suspend or close your Account and access to our Services for any reason or no reason at all, at our sole discretion. We might do this without giving you advance notice, and we won't be responsible to you or anyone else for such suspension or termination.
If we end the Terms or suspend or terminate your access due to a violation of the Terms or suspected fraudulent, abusive, or illegal behavior, this termination will be in addition to any other legal or equitable remedies we may have.
When the Terms end or are terminated, whether by you or us, you might not have access to information you posted on our Services or related to your Account anymore. We're not obligated to keep that information in our databases or to send it to you or anyone else. However, you'll still have all your rights related to assets held by an FSP even after the Terms end.
13. DISCLAIMERS
13.1 Service "As Is" and "As Available"
Your use of our Services comes with some important disclaimers. Our Services are provided "as is" and "as available." This means you're using them at your own risk, and we don't make any promises or guarantees about them.
To the fullest extent allowed by the law, the Company and everyone associated with it, including its members, managers, officers, employees, advisors, representatives, affiliates, and agents (“Company Parties”), don't offer any explicit warranties and explicitly deny any implied warranties regarding our Services or any part of them. This includes things like warranties of merchantability, fitness for a specific purpose, non-infringement, accuracy, and reliability.
In simpler terms, the Company Parties DO NOT promise that:
Some places don't allow the exclusion of implied warranties, so some or all of these disclaimers might not apply to you.
13.2 Personal Risks
You understand that using the internet and providing information online carries inherent security risks. You agree that we're not responsible for any security breaches unless they result from our gross negligence. You should take reasonable steps to secure access to:
In other words, you're responsible for keeping your devices and login information safe and secure.
14. LIMITATION OF LIABILITY
14.1 Indirect Damages Disclaimer
You need to understand that none of the Company Parties will be responsible for any indirect, incidental, special, consequential, or exemplary damages that you might experience, regardless of the reason or legal basis. These damages could include things like lost profits (whether direct or indirect), harm to your reputation or business, data loss, the cost of getting replacement goods or services, or any other non-tangible losses, even if we were warned about the possibility of these damages.
14.2 Force Majeure Events
You agree that the Company won't be liable and is not responsible for any issues or losses caused by what we call "force majeure events." These include things like acts of nature (e.g., natural disasters), labor disputes, utility failures (like power or internet outages), software bugs or vulnerabilities, government actions, terrorism, war, changes in technology, or changes in economic conditions, among other things.
14.3 Maximum Liability
Our total responsibility to you for any and all claims related to the Terms or your use of our Services, whether based on contract, tort, strict liability, or any other legal theory, is limited to the greater of:
14.4 Reasonable Allocation of Risk
You acknowledge and agree that we provided our Services to you and agreed to the Terms with the understanding that the warranty disclaimers and limitations of liability stated here are a fair and reasonable way to distribute the risk between you and the Company. These terms are essential to our agreement.
14.5 Exceptions
In some places, the law doesn't allow us to exclude or limit certain types of damages, especially when personal injury is involved. So, the limitations and disclaimers above might not apply in those cases.
15. NO RESPONSIBILITY FOR FSP TRANSACTIONS
We are not responsible for any transactions you have with an FSP. If an FSP does not process a transaction for you on time or makes a mistake in the amount, or if there are any losses related to the assets held by that FSP, we won't be held responsible for any of your losses or damages.
16. INDEMNIFICATION
To the maximum extent allowed by the law, you agree to protect, defend, and compensate Company Parties against any and all legal actions, lawsuits, claims, damages, requests, and expenses (including legal fees) that a Company Party may face due to:
16.1 Your use of the Site or our Services;
16.2 Your responsibilities or obligations outlined in the Terms;
16.3 Any violation of or failure to follow the Terms on your part;
16.4 Any inaccuracies in the representations or warranties you provide;
16.5 Any infringement of the rights of any other person or entity, including their proprietary or privacy rights;
16.6 Any breach of laws or regulations by you; and/or
16.7 Any of your actions or failures to act that are negligent, illegal, or considered willful misconduct.
The Company reserves the right to take full control over the defense, at your cost, of any claim that falls under this Section 15. This indemnification is in addition to, and not instead of, any other indemnities specified in a written agreement between you and the Company.
17. DISPUTE RESOLUTION
Please carefully review this ARBITRATION AGREEMENT because it mandates that all disputes with us must be resolved through arbitration and places limitations on how you can seek remedies.
17.1 Both you and the Company agree to settle any disagreement, claim, or dispute related to the Terms or our Services confidentially, conclusively, and through binding arbitration.
17.2 The Federal Arbitration Act governs the interpretation and enforcement of this dispute resolution process. Arbitration will be initiated via JAMS. This arbitration process will be:
All costs associated with filing, administration, and the arbitrator's fees will adhere to JAMS Rules. A court of competent jurisdiction can enter judgment based on the arbitrator's decision.
17.3 TO THE FULLEST EXTENT ALLOWED BY LAW, BOTH PARTIES WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO LITIGATE IN FRONT OF A JUDGE OR JURY AND INSTEAD CHOOSE ARBITRATION AS THE METHOD FOR RESOLVING ALL CLAIMS AND DISPUTES. Arbitration procedures are typically more limited, efficient, and cost-effective compared to court proceedings and are subject to very limited court review. In the event of litigation between you and the Company, you both, to the fullest extent allowed by law, waive your rights to a jury trial and agree to resolve the dispute before a judge. YOU ACKNOWLEDGE THAT YOU HAVE BEEN ADVISED TO SEEK LEGAL COUNSEL BEFORE AGREEING TO ARBITRATE.
17.4 The Terms are governed by and will be interpreted according to the laws of the state of California, without regard to its conflict of laws principles.
17.5 You can only resolve disputes with us individually and may not initiate a claim as a plaintiff or class member in any class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidations with other arbitrations are prohibited. TO THE FULLEST EXTENT PERMITTED BY LAW, ALL CLAIMS AND DISPUTES MUST BE ADDRESSED INDIVIDUALLY AND CANNOT BE PURSUED AS A PLAINTIFF OR CLASS MEMBER IN ANY SUPPOSED CLASS, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. NEITHER A CLAIMANT NOR THE ARBITRATOR CAN CONSOLIDATE CLAIMS OF MULTIPLE INDIVIDUALS OR ENGAGE IN ANY CLASS ARBITRATION OR JOINT LITIGATION. CLAIMS FROM MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY, AS A CLASS, OR CONSOLIDATED WITH THE CLAIMS OF ANY OTHER CUSTOMER OR USER. YOU ACKNOWLEDGE AND AGREE THAT YOU AND WE ARE WAIVING ANY RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS REPRESENTATIVE IN ANY ALLEGED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
18. ENTIRE AGREEMENT
The Terms, along with the Privacy Policy, represent the complete agreement governing your relationship with us regarding the Services. They override any prior or concurrent written or verbal agreements, communications, or understandings related to the subject matter in the Terms.
The Terms do not modify any existing agreement you have with an FSP. If any conflict arises between the Terms and an agreement with an FSP, the terms of the other agreement will generally prevail to the extent that the terms of the other agreement govern the services provided by the FSP.
19. PRIVACY POLICY
The Privacy Policy outlines how we gather, utilize, retain, and reveal your personal information. By using our services, you consent to the collection, utilization, retention, and disclosure of your data as per the Privacy Policy.
20. STATE NOTICE
If you are a California resident and wish to report complaints or seek information regarding your Account with us or our Services, you have the option to do so in the following ways:
For any other inquiries or complaints, you can contact us via email at help@getbold.io.
Poast with us
All rights reserved, Bold Technologies, Inc. 2025
Disclaimers and footnotes
The Bold virtual Visa Debit Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa, U.S.A., Inc. All other trademarks and service marks belong to their respective owners.
For terms and conditions of our rewards program, see the Bold Rewards Program Terms. Reward Accounts and bitcoin assets are not FDIC or SIPC insured. Bitcoin involves certain risks and may lose value.