SMS Terms of Service

Last Modified: December 2021

The following Terms of Use for Mobile Payment Services (“Terms”) apply when you choose to add a debit card or prepaid card issued by Pathward, National Association (“Card”) to a mobile or digital payment wallet (“Wallet”). In these Terms, “Wallet” refers to software-based systems and services, such as Apple Pay, Google Pay, Samsung Pay or similar services, to enable payment, purchase or other financial transactions to be made through computers, tablets or mobile phones or devices via linked accounts (including credit, debit, and prepaid or stored-value cards or accounts); “you” and “your” refer to the holder of the Card; and “we,” “our,” and “Bank” refer to Pathward, N.A.

When you add a Card to a Wallet, you agree to these Terms:

1. Clair will send you SMS messages that include invitation codes and/or URLs to initiate the sign up process. Throughout the process you may receive additional messages confirming steps or reminding you to complete steps.

2. You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

3. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at support@getclair.com or (888) 442-5247.

4. Carriers are not liable for delayed or undelivered messages

5. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies throughout the sign up process. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

6. If you have any questions regarding privacy, please read our privacy policy: https://getclair.com/legal/privacy-policy

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Clair Spending is a demand deposit account established by, and the Clair Debit Card is issued by, Pathward, N.A., Member FDIC. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Clair Savings Account is established by Pathward, N.A., Member FDIC.
*Cash Back is an optional rewards program offered by Clair. It is not a Pathward, nor Mastercard product or service nor does Pathward, or Mastercard endorse this program.
** The Clair Savings Account is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid monthly. The interest rate paid on the entire balance will be 1.98% with an annual percentage yield (APY) of 2%. The interest rate and APY may change. The APY was accurate as of 11/04/22. No minimum balance necessary to open the Savings Account or obtain the yield. You must have or obtain a Spending Account in order to obtain and open a Savings Account, and you must be the primary accountholder of your Spending Account. Savings Account funds are withdrawn through the Spending Account, and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.

THIS IS A LOAN SOLICITATION ONLY. MAVERICK PAYMENTS INC, D/B/A CLAIR, IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. (Added 2017, No. 22, § 25.)