Terms of use

You have arrived at better.app (the “Site”), which is owned and operated by Better Financial Corporation,a Delaware registered public benefit corporation (“BFC”). Throughout these Terms of Use (“Terms”),the words “we,” “us,” and “our” refer to BFC and its affiliates, and the words “you” and “your” refer to the user visiting the Website and your institution or organization. These Terms govern your use of any website or mobile application that posts a link to these Terms (including both mobile and online versions). It also applies to your use of all features, widgets, plug-ins, content, downloads and/or other services that (i) we own and control and make available through the Site and/or (ii) that post or link to these Terms (collectively with the Site, the “Service”), regardless of how you access or use it, whether via computer, mobile device or otherwise. These Terms set forth the legally binding terms for your use of the Service, and apply to information that we collect through the Service and our handling of such information. By accessing or using the Service in any manner you signify your agreement to: (i) these Terms; (ii) the BFC Privacy Policy; and (iii) any other legal notices, conditions or guidelines located within the Service. If you do not agree to any of these Terms or the Privacy Policy, please exit now and do not use the Service.

Important Legal Information about Privacy

The terms and conditions of the Privacy Policyapply to your use of the Service, form an integral part of your agreement with us, and are incorporated by reference into these Terms. You should read the Privacy Policy carefully before you use this Service because by doing so you are agreeing to everything in these Terms, including the terms contained in our Privacy Policy.

Security and Communications

You should be aware that the Internet is not secure. If you choose to send any electronic communicationsby means of the Service, You do so at your own risk, and in doing so you consent to receivecommunications from us electronically. BFC does not guarantee that electronic communications will notbe intercepted or changed or that they will reach the intended recipient securely. Further, please note thatwe are not obligated to respond to inquiries that we receive from you. You agree that all agreements,notices, disclosures, and other communications that we provide to you electronically satisfy any legalrequirement that such communications be in writing.

Intellectual Property Rights

The content on the Service, including without limitation, the material descriptions, graphics, photos, products, services and the like (“Site Content”) and the trademarks, service marks and logos contained herein, including betterbanking.app (collectively, the “Marks”), are owned by or licensed to BFC, subject to trademark, copyright and other intellectual property rights under United States and foreign laws and international conventions. You in no way will obtain any ownership interest or rights in the Site Content or Marks contained on the Service. Site Content is provided to you “AS IS” for your information and personal or educational use only and may not be reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited by you for any other purposes whatsoever without the prior written consent of the respective owners. BFC reserves all rights not expressly granted in and to the Site Content. Subject to these Terms, you are granted a limited, non-exclusive, and non-transferrable license to download, install and use the Service’s mobile application on a mobile device owned and controlled by you. If you download or print a copy of the Site Content for personal or educational use you must include on the copy all copyright and other proprietary notices contained in the original Site Content. You agree not to circumvent, disable or otherwise interfere with any security-related features of the Service or features that prevent or restrict use or copying of any Site Content or enforce limitations on use of the Service or the Site Content. The selection, arrangement and design of the entire contents of the Service, as well as the original Site Content herein, are the property of BFC.

Restrictions on Conduct

You agree not to disrupt, modify or interfere with the functioning of the Service or any services provided on or through it. You further agree not to disrupt, modify or interfere with in any way any software, hardware or servers associated with the Service, and you agree not to impede or interfere with others’ use of the Service. You also agree not to alter or tamper with any Site Content, information or materials on, or associated with, the Service or services provided on or through it.

The Service may allow you to upload certain submissions. If permitted by the Service, you agree that you will not: (i) submit falsehoods, misrepresentations or statements that could damage us or any third party; (ii) impersonate another person, institution or organization or falsely state or otherwise misrepresent yourself, your age or your affiliation with any third party, organization, institution or person; (iii) upload, post, store or otherwise make available any virus, bug, Trojan horse or other computer file or program that is capable of destroying, interrupting or interfering with or limiting the functionality of the Service or any server, computer hardware, software or equipment. Additionally, you agree that you will not directly or indirectly, including, but not limited to, by manual or automated software, devices or other processes for “crawling” or “scraping” the Service, circumvent, disable or otherwise interfere with any security-related features of the Service, including security-related features that enforce limitations on use of the Service.

Furthermore, you agree you will not (directly or indirectly) use the Service (i) in connection with any commercial activities and/or sales, including without limitation advertising, contests or sweepstakes (without our consent) or pyramid schemes (ii) to promote information that you know is false or misleading or to promote or engage in illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous, (iii) to engage in or promote any criminal activity or enterprise, including without limitation, harassment, stalking, copyright infringement, trademark infringement, or theft of trade secrets, (iv) to solicit the collection of personally identifying information for commercial or unlawful purposes, (v) to advertise to, solicit, or sell any product or service to any person without their prior explicit consent, (vi) to harvest or collect data, Site Content, and personal information of users; or (vii) to use or launch any automated system, including without limitation, “robots,” or “spiders,” that accesses the Service in a manner that sends more request messages to our servers in a given period of time than humanly possible in the same period by using a web browser.

Service Access

The Service is for the benefit of BFC and its customers. In order to use the Service, you will need to create a registered account with us with a unique login and password. [You may not create more than oneregistered account for the Service.] You may never use another user’s account or share your account andpassword with any other user, person or entity. When creating your account, you agree that you willprovide current, complete and accurate information, and you agree that you will update your accountinformation as necessary to keep it current, complete and accurate. You are solely responsible for theactivity that occurs on your account, and you are responsible for keeping your account password secure.You must notify BFC immediately of any breach of security or unauthorized use of your account bycontacting us atsecuri[email protected]. Although BFC will not be liable for your losses caused by anyunauthorized use of your account, you may be liable for the losses incurred by BFC or others due to such unauthorized use.

Identity Verification

BFC may, directly or through third parties, make inquiries to validate or authenticate your identity and account information. We may also require you to provide additional documentation or take steps to confirm ownership of your personal information, contact information and financial instruments.

Community Safety Net™ Loyalty Program

We may offer you and other users the ability to earn certain benefits (“Benefits”) in connection with our Community Safety Net™Loyalty Program (the “Program”). By participating in our Program, you agree to and become subject to any specific terms given thereof through the Service. Accordingly, it is important that you read any applicable terms provided through the Service from time to time regarding the Program. Additionally, the following terms apply to our Program. For more information about our Program, including any requirements for participation or eligibility, please see our Community Safety Net™ Loyalty Program Description, which is available here: [Link]

  • The type of Benefits, number of Benefits, and the redemption value of Benefits and any restrictions on the use of Benefits, are issued at BFC’s sole discretion to the fullest extent of the law. Any Benefits received can be use only through your registered account. Future availability of any product or service subject to the Benefits is not guaranteed and such products and services may change without notice to you.
  • You acknowledge that, even if certain Benefits are used, you may still need to pay for any remaining balance or additional costs or fees for any product or service you purchase using Benefits. Any remaining balance on the purchase amount for a given product or service after Benefits are fully applied is your sole responsibility.
  • Benefits are only valid for use with products and services offered through the Service and are void where prohibited or restricted by law. Benefits are promotional in nature and are not legal tender. Benefits are non-transferable, non-exchangeable, have no value and cannot be used for cash back or sold. [Certain Benefits expire, if not used, within eighteen (18) months of issuance. Additionally, earned Benefits expire if your account has been dormant for six (6) months or otherwise terminates or is deactivated.]
  • BFC reserves the right, in its sole discretion, to terminate or modify its Program, in whole or in part, at any time, without notice or further obligation to you, including without limitation by modifying the Benefits or how they are earned. BFC also reserves the right, in its sole discretion, to terminate your participation in the Service, including the Program, at any time, with or without cause, with or without notice, effective immediately, including without limitation if BFC deems or suspects any violation of these Terms, cheating, fraud or tampering with the operation of our Program.

Insurance Related Content

BFC is not licensed as an insurance company, agent, broker or producer, underwriter or third-party administrator with respect to any services we provide on this Service. We have no authority to bind insurance coverage, pay claims of insurance, provide advice concerning insurance coverage, engage in the sale, solicitation and negotiation of insurance or engage in any other activity that would require an insurance company, insurance agent, broker or producer or third-party administrator license. The information about insurance we provide through the Service is not intended to take the place of professional advice from a licensed insurance agent, broker or producer nor do we provide any evaluation of insurance companies or their policies. We recommend that all consumers consult with a licensed insurance agent, broker or producer before purchasing any insurance policy. In addition, we do not provide insurance, tax, legal or any other financial advice. We may share the information you provide to us on this Service to licensed insurance agents, brokers and producers and insurance companies (collectively, the “Providers”) through a customer lead generation or referral partnership. We are an independent contractor for all purposes, and we are not responsible in any way for any action or inaction of any Provider. Nor do we endorse or recommend any Providers or insurance policies. We do not guarantee that any of the Providers to whom we provide your information will contact you or agree to provide you with any insurance coverage. The quality, safety or legality of the insurance products offered by any Provider for sale, the truth or accuracy of the representations regarding such products, the ability of Providers to offer or sell such products are solely your responsibility. If you would like personal advice or specific insurance policy or insurance company recommendations, please consult with a licensed insurance agent, broker or producer. All fees and other compensation we receive from Providers are not contingent on the purchase of insurance and constitute referral fees, intended solely as nominal compensation for the referral of qualified leads and not as insurance commissions.

BFC Pharmacy Discount Service

BFC provides access to pharmacy discounts through Rx Saver. Please review Rx Saver’s terms of use, https://www.rxsaver.com/terms-of-use, and privacy policy, https://www.rxsaver.com/privacy-policy, for additional information about the pharmacy discount service.

THE PHARMACY DISCOUNT SERVICE IS NOT INSURANCE. THROUGH THE PHARMACY DISCOUNT SERVICE, PRESCRIPTION DISCOUNTS AND COUPONS CAN BE USED INSTEAD OF, BUT NOT IN CONJUNCTION WITH, HEALTH INSURANCE. The pharmacy discount service is not intended as a substitute for health insurance. The range of the discounts will vary depending on the prescription drug and the participating pharmacy. We cannot guarantee any discounts provided are the lowest price available. Only participating pharmacies will honor the program. You are required to pay for all prescription drugs at the time of purchase. BFC does not make payments to any pharmacy or health care provider. THE PHARMACY DISCOUNT SERVICE DOES NOT MEET MINIMUM CREDITABLE COVERAGE REQUIREMENTS UNDER STATE HEALTHCARE INSURANCE COVERAGE REGULATIONS.

IF YOU DO NOT HAVE HEALTH INSURANCE, you may be able to use the pharmacy discount service to obtain discounts for applicable brand name or generic prescriptions you or a household member pays for out-of-pocket, unless other restrictions apply. The pharmacy discount service cannot be used simultaneously with other prescription drug discount cards or for prescriptions paid for through a health benefit or pharmacy benefit plan. IF YOU HAVE HEALTH INSURANCE, or any other funded benefit such as Medicaid or Medicare, you may be able to use the program for certain prescriptions that are not covered by your plan when you would otherwise be purchasing those prescriptions without alternative coverage or discounts. You should confirm whether you are eligible to use the pharmacy discount service if you are covered by health insurance by checking with your health insurance provider.

Please note that cash payments that you make for medications using the pharmacy discount service might not count toward your prescription drug coverage out-of-pocket costs, but you can confirm that by contacting your health plan.

Prescription discounts, coupons and prices shown are based on multiple sources, including published price lists, purchases, claims records, and data provided by pharmacies. PRESCRIPTION DISCOUNTS AND PRICES MAY CHANGE AT ANY TIME. For an exact price, please contact Rx Saver or the participating pharmacy.

Join our Community

A Better Mastercard® Debit Card with no monthly fees, 32,000 MoneyPass® ATMs and the

Worlds 1st Community Safety Net™

Standard text messaging and/or data rates from your wireless service provider may apply.

Community Safety Net is an optional, no fee loyalty program that requires at least $500 in qualifying direct deposits to the Better Spending Account each month and minimum monthly spend of $250 on Better Debit Card.

¹ The Community Safety Net™ is a loyalty program offered by Better Financial Corporation in partnership with external providers. Accident Insurance coverage provided by National Union Fire Insurance Company of Pittsburgh, Pa. Pharmacy Discount cards provided by RXSaver, Inc. Blue Ridge Bank does not endorse or sponsor, and is not affiliated in any way with other benefits

² Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply. Banking services provided by Blue Ridge Bank N.A.; Member FDIC. The Better Banking Visa® Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted

³ This is only a brief description of the coverage(s) available under policy series A30610NUFIC. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (National Union), a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. National Union is a AIG company. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds

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