These terms and conditions (the "Terms") govern access to and use of the platform and services provided by Finturu LLC and its subsidiaries and affiliated entities, including Finturu SAS (collectively, "Finturu", the "Company", "we", "us", or "our") (the "Services").
These Terms, together with the Privacy Policy, AML/CFT Policy, Merchant Protection Policy, Consumer Protection Policy, the payment acceptance and checkout requirements set forth in Section 14.1, the refund and cancellation requirements set forth in Section 14.2, and any applicable service orders, mandate agreements, or product-specific terms, constitute a single legally binding agreement between the Company and any individual or entity accessing or using the Services (each, a "User").
The Services may be used by (a) business Users, including merchants and other commercial entities engaging in payment collection, transfers, or commerce operations; and (b) individual Users accessing payment, transfer, or remittance-related functionalities. By registering for, accessing, or using the Services, each User acknowledges and agrees to be bound by these Terms and to comply with all applicable laws and regulatory requirements.
Where a User is a business, the individual accepting these Terms on its behalf represents and warrants that they have full legal authority to bind such business to these Terms.
The Company operates a multi-layered technology platform designed to enable domestic and international commerce through the orchestration of payments, settlement, logistics, and multichannel operations.
The platform supports local-to-local transactions within a single jurisdiction, as well as local-to-global and cross-border operations, allowing Users to manage financial flows, transfers, and commerce activities across multiple markets through a unified interface.
The Company provides infrastructure that allows Users to access financial and operational services through integrations with regulated financial institutions and third-party providers. The Company does not operate as a bank, licensed financial institution, or foreign exchange intermediary, and does not directly hold, custody, or safeguard customer funds. The Company does not act as a party to the underlying commercial transactions between buyers and sellers and assumes no responsibility for the delivery, quality, legality, or performance of goods or services exchanged between such parties.
Finturu is not a virtual asset service provider, money transmitter, or digital asset exchange. Finturu does not sell, offer, promote, exchange, or broker cryptocurrencies or other virtual assets to Users, does not custody crypto assets on behalf of Users, and does not provide investment, credit, lending, or banking services. Any reference to stablecoin or multi-rail settlement infrastructure within the Services refers exclusively to back-end orchestration performed by regulated third-party infrastructure providers, such as Bridge, and does not constitute the provision of digital asset services by Finturu to Users.
The Company operates within a Banking-as-a-Service (BaaS) framework in coordination with regulated financial institutions, program sponsors, and infrastructure providers.
Certain financial services made available through the Services are provided by regulated third parties, including program sponsors such as Bridge, sponsor banks such as Lead Bank, card acquiring and payment processing services provided by Stripe, and card network services provided by Visa and Mastercard, as well as other regulated financial partners responsible for providing licensed financial services. Bridge, Lead Bank, Stripe, Visa, Mastercard, and other financial partners are independent third parties and are not affiliates, agents, or joint venture partners of the Company.
Finturu represents that its business model, the Services, and Users' use of the Services are structured to comply with applicable requirements, operating rules, and risk policies of Stripe, Bridge, Visa, and Mastercard, as such requirements may be updated from time to time. Without limiting the foregoing, Finturu confirms that it does not sell cryptocurrencies or virtual assets to Users, does not custody crypto assets, does not provide money transmission, investment, credit, or lending services to third parties through Bridge, does not operate gambling, adult content, cannabis, pharmaceutical, weapons, counterfeit goods, multi-level marketing, or other activities identified as prohibited or high-risk under Bridge's policy, and does not otherwise engage in activities prohibited by the rules of Stripe, Visa, or Mastercard.
When a User or business customer applies to access financial functionalities, including payment processing, settlement, account issuance, or payout capabilities, the Company collects onboarding information, including KYC/KYB data, which may be shared with program sponsors and sponsor banks. These entities may independently conduct due diligence, identity verification, and compliance assessments and may approve, deny, or restrict access to financial services in accordance with their regulatory obligations and risk appetite.
Business customers are required to provide accurate and complete beneficial ownership information, including the identification of any individual who directly or indirectly owns twenty-five percent (25%) or more of the equity or voting interests in the business, as necessary to comply with the Company's AML/CFT policies and the requirements of sponsor banks and other regulated financial institutions.
The Company does not independently make regulatory determinations or grant financial account approvals. Access to certain Services is conditional upon approval by the relevant financial institution or infrastructure partner, and Finturu reserves the right to reject, restrict, or terminate access to any User whose activity is inconsistent with the requirements described in this Section.
Where enabled, Finturu makes available a prepaid Visa card linked to a User's wallet with Finturu's financial infrastructure partners. The card is issued by Lead Bank, a Missouri state-chartered bank, acting as issuing bank, through Bridge Ventures LLC, acting as program manager, and is subject to a separate Cardholder Agreement that governs the use of the card, including the disclosures, contact channels, and terms made available at that link.
Prepaid Card; Funding Mechanism
The card is a prepaid card. It does not operate against a balance previously loaded onto the card itself. Instead, each time a User initiates a purchase with the card, the transaction triggers an automatic sale of stablecoins held in the User's Finturu wallet in an amount sufficient to cover the transaction, and the resulting fiat proceeds are loaded onto the card and applied to the purchase. By initiating any card transaction, the User expressly and irrevocably consents to such sale of stablecoins and the corresponding loading of the fiat proceeds. Once initiated and authorized, a card transaction cannot be cancelled.
Transaction Limits and Permitted Use
Card transactions are subject to a maximum limit of USD $2,000 per transaction, or another limit established from time to time by Finturu's financial partners. The card is intended exclusively for personal, family, or household use and may not be used for business purposes. Finturu's financial partners may close a card that is used for business purposes.
Refunds
When a User is entitled to a refund relating to a card transaction, the refunded amount will not be returned in fiat currency but will instead be used to purchase stablecoins credited to the User's Finturu wallet. By using the card, the User expressly and irrevocably consents to this treatment of refunds.
FDIC Insurance
Funds loaded onto the card are not eligible for FDIC insurance. Neither Finturu, Bridge, nor Lead Bank represents or implies that balances held on the card are FDIC insured, notwithstanding any reference to Lead Bank's status as an FDIC member institution in connection with other services.
Card-Specific Disputes and Support
Disputes relating to a specific card transaction, including unauthorized transactions and billing errors, are governed by the error-resolution and arbitration provisions of the Cardholder Agreement, which apply separately and are not replaced by Section 19 of these Terms. Users may contact either Finturu's card support channel at 1-855-935-3124 (stri.pe/go/stablecoincardhelp) or the contact channels listed in the Cardholder Agreement for assistance with card-specific transactions, disputes, and inquiries; both are valid channels for card-related matters. This is distinct from the Support channels described in Section 14 for disputes relating to payment links and other non-card transactions.
Digital Wallet Provisioning
A User may provision an eligible card in a supported digital wallet, such as Apple Pay, or other digital wallet providers that Finturu makes available from time to time (each, a "Digital Wallet Provider"). By provisioning a card with a Digital Wallet Provider, the User authorizes Finturu, Bridge, Lead Bank, and the applicable payment network to share account, card, and provisioning information with the Digital Wallet Provider to the extent necessary to process the provisioning request and evaluate whether the card can be provisioned to the User's device.
Where required by the Digital Wallet Provider, such information will be shared only in de-identified or aggregated form, and the Digital Wallet Provider will be prohibited from using it to re-identify the User outside the provisioning process. Use of a Digital Wallet Provider is also subject to that provider's own terms and privacy policy, which govern the User's use of the wallet application itself and are not controlled by Finturu.
Suspension and Revocation
Finturu, Bridge, or Lead Bank may decline to provision a card with a Digital Wallet Provider, or may suspend or revoke a previously provisioned card, at their discretion and in accordance with the risk and compliance standards described in these Terms.
Access to the Services is available to individuals and entities that meet applicable legal, regulatory, and compliance requirements. Users are required to provide accurate, complete, and up-to-date information during onboarding and throughout the duration of their relationship with Finturu.
Finturu reserves the right to verify any information provided and to request additional documentation where necessary to comply with regulatory obligations, risk management policies, or operational requirements. The Company may suspend, restrict, or terminate access to the Services where information is inaccurate, incomplete, or inconsistent with applicable standards.
Where financial services are involved, Users acknowledge that identity verification and compliance procedures may be conducted not only by Finturu but also by program sponsors, sponsor banks, card acquirers, and other regulated third parties.
Individual Users accessing transfer, payment, or remittance-related services may be subject to additional identity verification requirements, transaction limits, geographic restrictions, and ongoing monitoring obligations imposed by Finturu or its financial partners, in accordance with applicable regulatory standards.
Users are solely responsible for maintaining the confidentiality and security of their access credentials, including usernames, passwords, API keys, and authentication tokens, and for all activities conducted through their accounts. Finturu may require the use of specific security controls, including but not limited to Multi-Factor Authentication (MFA) and strong password standards, for accessing certain Services or administrative functionalities, consistent with Finturu's Access Control Policy and other internal security requirements.
This Section applies to individual Users who are consumers as defined in the Electronic Fund Transfer Act (EFTA) and Regulation E (12 CFR Part 1005), and who send or receive funds through the Services, including cross-border remittance transfers.
Pre-Payment Disclosure.
Before completing a remittance transfer, Finturu will clearly and conspicuously disclose to the sender: (a) the amount to be transferred; (b) the applicable exchange rate; (c) all fees and taxes charged by Finturu; and (d) the total amount expected to be delivered to the recipient, less any fee imposed by the recipient's institution or intermediary that Finturu cannot reasonably determine.
Right to Cancel.
A sender may cancel a remittance transfer and receive a full refund within thirty (30) minutes after authorization of the transfer, provided that the funds have not been picked up by the recipient or deposited into an account owned by the recipient.
Error Resolution.
A sender who believes an error occurred in connection with a remittance transfer may notify Finturu within one hundred eighty (180) days after the disclosed availability date. Finturu will investigate and resolve the claim within the timeframes required by Regulation E and, when an error is confirmed, refund applicable fees and, where appropriate, the amount of funds not properly delivered, or make the transfer available to the recipient without additional charge.
Unauthorized Transfers.
A sender's liability for an unauthorized electronic fund transfer is limited as provided under Regulation E, provided that the sender promptly notifies Finturu upon learning of the unauthorized transaction. Finturu will provide provisional credit, where applicable, within the timeframes established by Regulation E while the investigation is pending.
Interaction with Financial Partners.
Certain rights described in this Section may be administered directly by the sponsor bank or Finturu's financial partners in accordance with their own compliance programs; Finturu will coordinate with such partners to ensure that Users receive the protections described in this Section.
Finturu's Obligations Are Not Limited by Partners' Contractual Terms
The rights described in this Section are Finturu's own obligations to the User under Regulation E and exist independently of any contractual notice period, dispute window, or waiver that a financial or infrastructure partner may apply to the corresponding underlying transaction, including any shorter contractual window applicable to a stablecoin purchase or sale executed as part of processing a transfer. Where a partner's contractual window has closed before a User reports an error to Finturu, Finturu will nevertheless investigate and respond to the User within the timeframes required by Regulation E, using the resources available to it.
Finturu may optionally make available a rewards or yield program under which eligible balances held with Finturu's financial partners may generate additional value over time ("Rewards"). Rewards, when offered, are provided through the infrastructure of Finturu's regulated financial partners and do not constitute a deposit, loan, or investment product offered by Finturu.
Any figures displayed within the platform describing projected, estimated, or historical Rewards — including any "estimated earnings" figure — are provided for informational purposes only, do not represent a guaranteed return, and may not reflect the User's actual real-time balance. Finturu reserves the right to correct, adjust, suspend, or discontinue the display of such figures, or the Rewards program itself, at any time and without liability, subject to applicable law.
The accrual, eligibility, and payment of Rewards are subject to the terms of Finturu's financial partners and may change without notice. Users should not rely on displayed Rewards figures for financial planning purposes.
No Rewards During Account Holds
Rewards will not accrue on balances associated with a User account that is blocked, suspended, or subject to a hold under Section 13B, whether as a result of Finturu's own risk or compliance determination or that of any of its financial or infrastructure partners, for the duration of such block, suspension, or hold. This applies regardless of the outcome of Finturu's subsequent review, unless the User demonstrates that the block, suspension, or hold was imposed in error.
Use of the Services is subject to compliance with all applicable laws and regulations, including those relating to anti-money laundering, counter-terrorist financing, sanctions, fraud prevention, and financial crime.
Finturu maintains internal compliance procedures designed to support these obligations and operates in coordination with its financial partners to ensure adherence to regulatory standards. Users agree not to use the Services for unlawful purposes or in a manner that could expose Finturu or its partners to regulatory, financial, or reputational risk, including any activity identified as prohibited or high-risk by Stripe, Bridge, Visa, or Mastercard.
5.1 Prohibited Business Activities
Users may not use the Services, and may not allow any customer, merchant, or third party to use the Services to conduct, facilitate, or receive payments for any of the following activities, whether directly or indirectly: illegal, abusive, or deceptive practices; unfair or predatory conduct; fraud of any kind; gambling, betting, sweepstakes, or lotteries; illegal prediction markets; weapons, ammunition, or related accessories; precious metals, jewelry, or watches sold outside a properly disclosed and licensed commerce category; unlicensed sale of luxury goods; counterfeit or unauthorized goods; goods or services that infringe intellectual property; check cashing; bail bonds; collection agencies; safe deposit box rentals; cannabis and cannabis-related products or services; pharmaceuticals sold without the applicable license; tobacco products; substances designed to mimic illegal drugs; adult content and services; multi-level marketing; the sale, exchange, brokerage, or custody of cryptocurrencies or other virtual assets on behalf of any third party; the provision of investment, credit, or lending services to third parties; the provision of money transmission or monetary services (including check cashing, gift cards, ATM operation, or remittances) to third parties; and any other business activity that Bridge, Stripe, Visa, or Mastercard identify as prohibited or that poses elevated financial, legal, or reputational risk.
This prohibition applies regardless of how the User describes, labels, or markets the activity, and Finturu reserves the right to make the final determination as to whether a User's activity falls within a prohibited category.
5.2 High-Risk Activities Requiring Prior Disclosure
Certain activities are not absolutely prohibited but are considered high-risk and must be disclosed to Finturu in writing before onboarding or immediately after commencement so that Finturu and its financial partners can conduct the appropriate risk assessment and, where applicable, obtain required approvals. These activities include, among others: money services such as check cashing, gift cards, ATM operation, or remittances; lending or banking activities; operation of a foreign exchange, virtual currency brokerage, or over-the-counter (OTC) trading desk; holding customer funds, including escrow arrangements; and third-party payment processing (i.e., processing payments on behalf of merchants other than the User itself).
A User's failure to disclose that it engages in or intends to engage in any activity described in this Section 5.2 constitutes a material breach of these Terms, regardless of whether the activity might otherwise have been approved.
5.3 Consequences of Violation
Finturu reserves the right to monitor usage, investigate potential violations of Sections 5.1 and 5.2, and take appropriate action, including immediate suspension or termination of access, freezing pending payments to the extent permitted by applicable law, forfeiture of accrued but unpaid fees owed to the violating User, and reporting the violation to Stripe, Bridge, card networks, sponsor banks, or relevant authorities where necessary. This includes, without limitation, violations of applicable laws or regulations, as well as breaches of Finturu's internal security policies and procedures, including its Acceptable Use Policy (AUP) and information security standards. Certain compliance-related determinations, including account approval, transaction restrictions, reporting obligations, or transaction limits, may be performed by sponsor banks or regulated entities and are outside the direct control of Finturu.
The Services rely on integrations with third-party providers, including regulated financial institutions, program sponsors, card networks, logistics providers, e-commerce platforms, and communication channels, which enable Finturu to deliver a unified infrastructure across domestic and international operations.
Finturu integrates with financial infrastructure partners such as Bridge and sponsor banks such as Lead Bank, payment processing and card acquiring infrastructure provided by Stripe, and card network rails operated by Visa and Mastercard, as well as payment processors, compliance providers, and identity verification services required to support regulated financial activities. Use of the Services in connection with card transactions is subject to applicable Visa and Mastercard operating regulations and Stripe's services agreement, in addition to these Terms.
The platform also connects with leading e-commerce platforms and marketplaces, including Shopify, WooCommerce, Tiendanube, and Amazon, enabling business customers to manage multichannel commerce operations. In addition, Finturu integrates with logistics and fulfillment providers such as FedEx, DHL, and other regional or international carriers to support shipping, delivery, and order management.
Finturu may further support integrations with digital communication and social commerce channels, including WhatsApp, Instagram, and Facebook, which may be used to facilitate customer engagement, payment link distribution, and transaction workflows.
Additional third-party providers may be integrated into the platform from time to time and will be clearly identified within the platform interface.
Finturu does not own, control, or operate any third-party services. Each provider is solely responsible for its services, performance, regulatory compliance, and contractual obligations. The inclusion of any third-party provider does not imply endorsement, affiliation, or joint venture.
Finturu processes personal and business data as necessary to provide the Services, comply with regulatory obligations, and support operational functionality. This includes the collection, use, and sharing of data with financial institutions, program sponsors, card networks, compliance providers, infrastructure partners, and other service providers involved in the delivery of the Services.
Users acknowledge that such data sharing is necessary to enable regulated financial services, including identity verification, fraud prevention, transaction monitoring, chargeback and dispute management, and compliance with applicable laws. Failure to provide required information may result in denial, restriction, or suspension of access to certain Services.
All data processing activities are conducted in accordance with the Company's Privacy Policy and applicable data protection regulations. Customer account data is generally retained for the duration of the customer relationship and is scheduled for deletion within sixty (60) days following termination of the applicable contract, in line with the Company's Data Management Policy, except where a longer retention period is required or permitted to comply with anti-money laundering and counter-terrorist financing (AML/CFT) obligations, tax or accounting requirements, ongoing dispute resolution, retention of chargeback evidence as described in Section 14, or other applicable legal or regulatory requirements.
Finturu does not hold, receive, or custody customer funds. All funds processed through the platform are received, held, and settled by regulated financial institutions, sponsor banks, card acquirers, or authorized payment partners.
Depending on the service used, funds may be processed by sponsor banks such as Lead Bank, card acquiring services such as Stripe, or other regulated financial partners and subsequently settled to Users in fiat currency or other supported formats, in accordance with the applicable financial infrastructure.
Settlement timelines, currency conversions, foreign exchange spreads, and availability of funds may vary depending on the payment method, jurisdiction, regulatory requirements, and financial partner involved.
Finturu provides a technology and orchestration platform and does not itself provide regulated financial services. Certain functionalities available through the platform may constitute regulated financial services and are provided by licensed financial institutions or partners.
Users acknowledge that such services are subject to the terms, conditions, and regulatory oversight of the relevant financial institution, including sponsor banks and financial service providers.
Use of the Services involves inherent operational, financial, and regulatory risks. Users acknowledge and accept that Finturu operates solely as a technology and orchestration platform and does not assume custody, control, or safeguarding responsibilities over customer funds.
All funds processed through the platform are handled by regulated financial institutions, including sponsor banks, card acquirers, payment processors, and settlement partners. As a result, funds may be subject to delays, restrictions, reversals, holds, or compliance reviews imposed by such institutions in accordance with applicable regulatory frameworks.
Finturu does not provide deposit insurance, guarantee the availability of funds, or assume responsibility for the performance, solvency, or regulatory standing of any financial partner. The availability and timing of funds may depend on multiple external factors, including payment method, jurisdiction, regulatory requirements, and operational conditions of third-party providers.
Users further acknowledge that transaction execution, settlement timing, and currency conversion may be impacted by third-party infrastructure, including foreign exchange fluctuations, applicable spreads, and processing conditions imposed by financial partners. By using the Services, Users expressly accept these risks and agree that Finturu shall not be held liable for any outcomes arising from such dependencies.
Stablecoin and Virtual Currency Risk
Balances held in a User's wallet may be represented as stablecoins or other virtual currency, processed and held by Finturu's infrastructure partners. Virtual currency is not legal tender, is not backed by the U.S. government, and is not subject to FDIC, NCUA, or SIPC protection. Virtual currency transactions are generally irreversible, and losses resulting from fraudulent, unauthorized, or erroneous transactions may not be recoverable. Finturu's infrastructure partners may, in their sole discretion and in accordance with applicable law or their own compliance policies, freeze, restrict, or destroy ("burn") virtual currency associated with a User's wallet, with or without prior notice, and may have no obligation to replace virtual currency lost as a result. Users acknowledge these risks and agree that Finturu shall not be responsible for any loss resulting from the nature, treatment, or handling of virtual currency by its infrastructure partners.
Finturu provides access to a distributed and interoperable infrastructure composed of multiple third-party systems, including financial institutions, card networks, payment processors, logistics providers, and e-commerce platforms. The availability and performance of the Services are therefore inherently dependent on such external systems.
While Finturu makes commercially reasonable efforts to ensure service continuity, it does not guarantee uninterrupted access. Service interruptions, delays, or degradation may occur due to maintenance, system updates, failures in banking infrastructure, downtime in payment networks, regulatory actions, or disruptions affecting integrated platforms such as Shopify, Amazon, FedEx, DHL, WhatsApp, Instagram, or Facebook, among others that may be incorporated into the platform over time.
Users acknowledge that certain functionalities may be temporarily unavailable or limited due to factors beyond Finturu's control, and that such conditions are inherent to the nature of interconnected financial and operational systems.
Use of the Services is subject to applicable fees, which may include transaction fees, processing fees, foreign exchange spreads, settlement costs, and other service-related charges. Such fees are disclosed through the platform, applicable agreements, or pricing schedules.
Fees may vary depending on transaction type, geography, currency, risk profile, and the financial partner involved in the transaction flow. Certain economic conditions, including foreign exchange rates and banking-related charges, may be determined by third-party financial institutions and are outside the direct control of Finturu.
Finturu reserves the right to update its pricing structure from time to time to reflect changes in market conditions, regulatory requirements, or operational costs. Continued use of the Services following such updates constitutes acceptance of the revised pricing.
Finturu, together with its financial partners, may impose transaction limits, velocity controls, and usage restrictions as part of its compliance and risk management framework. Such controls may be applied dynamically and may reflect regulatory requirements, risk assessments, or operational considerations.
These limitations may affect transaction volumes, frequency, geographic scope, or access to specific functionalities. Users acknowledge that such restrictions may be implemented, modified, or enforced without prior notice where necessary to ensure compliance with applicable laws or to mitigate financial or operational risk.
Finturu shall not be liable for any losses, delays, or limitations resulting from the application of such controls, particularly where they originate from regulatory obligations or third-party financial institutions.
A reserve consists of a percentage of a User's transaction volume that is held by the applicable processor or partner and released later as protection against chargebacks, refunds, disputes, or other processing risks.
When a reserve applies, Finturu will assign the applicable User to a risk level based on the processor's risk assessment, transaction history, industry classification, and other risk indicators. The reserve percentage and holding period applicable to each risk level are set out below. These are Finturu's current default reserve policy parameters and may be adjusted from time to time based on processor requirements or portfolio risk; Users will be notified of any change to the level applicable to their account.
| Risk Level | Reserve % | Holding Period | Description |
|---|---|---|---|
| Level 1 — Low | 6% | 30 days | Applies to Users with a low-risk profile based on the processor's assessment. |
| Level 2 — Medium | 12% | 90 days | Applies to Users with a medium-risk profile based on the processor's assessment. |
| Level 3 — High | 25% | 150 days | Applies to Users with a high-risk profile based on the processor's assessment. |
Amounts held under a reserve remain the property of the User but will not be available for withdrawal or use until released in accordance with the applicable holding period. Finturu may apply reserved funds to offset chargebacks, refunds, fees, penalties, or other amounts owed by the User before releasing any remaining balance.
Upon termination of the relationship between Finturu and a User, any reserve then in effect will continue to be held for the applicable holding period, or for the longer period that Finturu's processor or financial partners may require to cover pending or reasonably foreseeable chargebacks, disputes, or losses, after which any remaining balance will be released to the User.
This Section applies to all funds and transactions processed through the Services, regardless of the channel or rail through which they are initiated or received, including without limitation ACH transfers, Wire transfers, payment links, card transactions, Bre-B, and any other payment method Finturu enables now or in the future.
Events Triggering this Section.
Finturu may immediately block, suspend, or restrict a User's account access and hold associated funds upon any of the following: (a) Finturu receives an alert, signal, or notification from any of its financial partners or infrastructure providers, including Bridge, Coinflow, and Stripe, or from any sponsor bank, card network, or regulatory authority, indicating that an account, User, or transaction has been identified as suspicious, high-risk, or potentially fraudulent; or (b) Finturu's internal monitoring systems, or third-party fraud detection, compliance, or risk-scoring tools used by Finturu, generate a similar determination.
Scope and Channel Neutrality.
This Section applies uniformly regardless of the rail, channel, or payment method involved, including ACH transfers, Wire transfers, Bre-B, card transactions, payment links, or any other channel available through the Services. Finturu's authority to act under this Section does not depend on whether the transaction has settled, cleared, or been made available to the recipient.
Nature of the Measure.
A block or hold imposed under this Section is a precautionary and protective measure taken while Finturu reviews the matter and does not, by itself, constitute a determination that the User engaged in wrongdoing. Finturu will lift the block or hold, or take additional action, based on the outcome of its review and the applicable instructions of its financial partners or regulatory authorities.
Duration and Interaction with Reserves.
Funds subject to a hold under this Section will remain unavailable for withdrawal or use until Finturu completes its review, or until the applicable financial partner or authority directs otherwise. Where applicable, such funds may also be subject to the reserve terms described in Section 13A.
Notice and Limits on Disclosure.
Where permitted by law, Finturu will make reasonable efforts to notify the affected User that its account or a transaction has been blocked or held. Finturu may refrain from disclosing specific details about the underlying alert, investigation, or its source where disclosure could compromise an investigation, violate a confidentiality obligation owed to a financial partner or authority, or otherwise be restricted by applicable law.
No Liability.
Finturu shall not be liable for any loss, delay, or damage resulting from a block, suspension, or hold implemented in good faith under this Section.
This Section forms an integral part of these Terms and applies to each payment transaction processed through the Services, whether initiated by a business User or a customer of a business User.
14.1 Mandatory Acceptance of Payment Terms (Checkout)
Before completing any payment, each payer must affirmatively accept the applicable Payment Terms through a clear and unambiguous action (such as checking a box or clicking an acceptance button). Finturu will record the timestamp, IP address, and user agent or device identifier associated with such acceptance, and such record will form part of the transaction record retained under Section 7.
14.2 Refund and Cancellation Policy
A clear and conspicuous Refund and Cancellation Policy must be displayed to the payer and affirmatively accepted before payment is submitted. The applicable Refund and Cancellation Policy of the business User is incorporated by reference into the transaction record and is binding on the payer from the time of acceptance.
14.3 Mandatory Contact with Support Before Filing a Chargeback
Before initiating a dispute, chargeback, or reversal request with a card issuer or financial institution, the payer must first contact the business User's or Finturu's Support channel and allow a reasonable period, of not less than five (5) business days, for the matter to be reviewed and, where appropriate, resolved. This requirement does not limit any rights the payer may separately have under applicable card network rules, but is intended to provide a good-faith opportunity for resolution before escalation.
14.4 Delivery of Digital Products and Services
For purposes of these Terms, a digital product or service is deemed delivered, and the corresponding transaction is deemed fulfilled, upon the first of the following events: (a) issuance of access credentials or activation of the applicable account or license, (b) transmission of a download link or digital file to the payer, (c) confirmed provision of the service within the platform, or (d) commencement of performance of the service. Server logs, delivery confirmations, and access records constitute conclusive evidence of delivery for purposes of any dispute or chargeback.
14.5 Cardholder Authorization Statement
By submitting payment information, the payer represents and warrants that they are the authorized holder of the payment instrument used, or that they have obtained the express authorization of the cardholder to use such instrument for the transaction. Use of a payment instrument without the authorization of its legitimate holder is strictly prohibited and may result in immediate suspension of access, reporting to the applicable card network or financial institution, and referral to law enforcement authorities where appropriate.
14.6 Consent to Collection and Use of Fraud Evidence
Each User and payer consents to Finturu's collection, retention, and use of fraud-prevention data, including IP address, device fingerprint, geolocation, Address Verification Service (AVS) and Card Verification Value (CVV) match results, 3-D Secure authentication data, session and access logs, Support correspondence, and any other evidence reasonably related to a transaction. Finturu may collect and submit such evidence to Stripe, Bridge, card issuers, acquiring banks, or card networks in connection with the investigation or defense of any dispute, chargeback, or fraud claim.
14.6A Consent to Risk Management, AML/CFT Detection and Automated Decisions
From registration and throughout use of the Services, each User consents to Finturu collecting and sharing onboarding, identity, device, and transaction information — including device identifiers and behavioral data — with third-party risk management providers and third-party anti-money laundering and counter-terrorist financing (AML/CFT) detection providers for purposes including identity verification, fraud prevention, sanctions and adverse media screening, and ongoing risk monitoring. This consent applies to onboarding and routine account monitoring and is not limited to the investigation or defense of a specific dispute, chargeback, or fraud claim.
Finturu may use automated tools, including artificial intelligence-based risk-scoring models, to evaluate onboarding requests and transactions and to flag, restrict, or hold an account or transaction, as described in Section 13B. Where such automated determination produces a legal or similarly significant effect on a User, the User may request human review by contacting compliance@finturu.com.
14.7 Billing Descriptor Disclosure
The name or descriptor that will appear on the payer's bank or card statement for a particular transaction will be disclosed to the payer before payment. Payers are encouraged to review the applicable billing descriptor and contact Support under Section 14.3 before initiating a dispute based on an unrecognized charge.
14.8 Enhanced Customer Authentication and Mandatory 3-D Secure
Transactions identified as higher risk under Stripe Radar, Bridge risk policies, or applicable card network rules will require completion of 3-D Secure or another form of Strong Customer Authentication (SCA) before the transaction is authorized. Finturu and its payment partners reserve the right to reject, hold, or request additional authentication for any transaction that does not satisfy applicable 3DS or SCA requirements.
14.9 Friendly Fraud, Chargeback Losses and Cooperation
Users acknowledge that chargebacks initiated in bad faith, or without a good-faith basis, after a product or service has been delivered in accordance with Section 14.4 (commonly referred to as friendly fraud) constitute a breach of these Terms. Finturu reserves the right to recover chargeback fees, penalties, and associated losses from the responsible User, suspend or terminate access to the Services, and report repeated or fraudulent dispute activity to Stripe, Bridge, card networks, or relevant authorities. Users agree to promptly and in good faith cooperate with Finturu's requests for information in connection with any dispute or chargeback investigation.
14.10 Arbitration and Class Action Waiver
Any dispute between Finturu and a User concerning a transaction, chargeback, refund, or enforcement of this Section is subject to the arbitration and class action waiver provisions of Section 19.
Each party agrees to maintain the confidentiality of non-public, proprietary, or sensitive information disclosed in connection with the Services. Such information shall be used solely for the purposes of fulfilling obligations under these Terms or as otherwise required by law.
Finturu implements commercially reasonable administrative, technical, and organizational safeguards designed to protect user data and ensure the integrity of its systems. These safeguards are aligned with recognized industry standards, including control frameworks commonly associated with SOC 2 compliance and, where applicable to payment card data, PCI DSS.
Compliance monitoring, audit traceability, and control enforcement are supported through internal systems and third-party compliance infrastructure, including platforms such as Vanta, which support continuous oversight, documentation management, and audit readiness.
Information may be disclosed to regulatory authorities, financial partners, card networks, or service providers where necessary to comply with legal obligations or to support the provision of the Services, including the fraud prevention and chargeback processes described in Section 14.
All intellectual property rights associated with the platform, including software, APIs, data models, system architecture, branding, and proprietary methodologies, remain the exclusive property of Finturu or its licensors.
Users are granted a limited, non-exclusive, non-transferable, and revocable right to access and use the Services strictly in accordance with these Terms. No ownership rights are transferred as a result of such use.
To the maximum extent permitted by applicable law, Finturu shall not be liable for indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, revenues, business opportunities, or data, arising out of or in connection with the use of the Services.
Finturu's total liability, under any circumstance, shall be limited to the amount of fees paid by the User to Finturu in connection with the Services during the relevant period.
Finturu shall not be liable for actions or omissions of financial institutions, sponsor banks, card acquirers, card networks, payment processors, logistics providers, or any third-party service providers integrated into the platform, including but not limited to delays in settlement, fund availability, transaction execution, chargeback outcomes, or service interruptions.
Users agree to indemnify, defend, and hold harmless Finturu, its affiliates, officers, directors, employees, and partners from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising from or related to their use of the Services, including any violation of these Terms or applicable laws and regulations.
This obligation includes, but is not limited to, disputes arising between Users and third parties, misuse of the platform, unauthorized activities conducted through the User's account, chargebacks, and any fraud or friendly fraud attributable to the User under Section 14.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or any transaction processed through the Services, including disputes relating to chargebacks, refunds, or fraud claims, shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, conducted in Miami-Dade County, Florida, before a single arbitrator, except where the parties otherwise agree in writing or where a claim qualifies for small claims court, in which case either party may bring an individual claim in such court instead of arbitration.
The arbitrator's decision shall be final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction.
Class Action and Jury Trial Waiver. Each User agrees that any arbitration or proceeding will be conducted solely on an individual basis and not as a class, joint, consolidated, or representative action. Users and Finturu each waive any right to a jury trial and any right to participate in a class action, class arbitration, or representative proceeding against the other. If any portion of this class action waiver is deemed unenforceable with respect to a particular claim or requested remedy, that claim or remedy will be severed and proceed in a court of competent jurisdiction in Miami-Dade County, Florida, while the remainder of this arbitration provision remains in full force and effect.
A User may opt out of this arbitration and class action waiver provision by providing written notice to Finturu within thirty (30) days after first accepting these Terms, in accordance with the opt-out procedure made available through the platform. Opting out will not affect any other provision of these Terms.
Nothing in this Section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of a party's intellectual property or confidentiality rights.
Which Agreement Governs Each Claim
Finturu's platform, its card program, and its wallet/stablecoin infrastructure are each governed by separate agreements, each with its own dispute resolution and arbitration provisions. This Section 19 governs disputes concerning these Terms and the Services generally; it does not replace or consolidate the separate provisions of the Cardholder Agreement or Bridge's own User Terms, which continue to apply to the specific matters described below.
| Claim Type | Governing Agreement | Law / Venue |
|---|---|---|
| Platform, account, fees, and general use of the Services | These Terms (Finturu) | Florida; AAA; Miami-Dade County |
| Debit/prepaid card transactions and card-specific disputes | Cardholder Agreement (see Section 3A) | Missouri; AAA; Jackson County |
| Wallet balance, stablecoin purchases/sales ("Orders"), and custody of digital assets | Bridge User Terms | New York; AAA |
Where a Claim touches more than one of these categories, each aspect of the Claim remains subject to the agreement and arbitration provisions applicable to it.
Finturu reserves the right to modify, update, or enhance these Terms at any time to reflect changes in its services, regulatory environment, partner requirements (including those of Stripe, Bridge, Visa, and Mastercard), or operational structure.
Updated Terms will be made available through the platform or other appropriate communication channels. Continued use of the Services following such updates constitutes acceptance of the revised Terms.