1. WHO WE ARE & WHAT YOU'RE AGREEING TO {#1-who-we-are}

1.1 Your Agreement

By creating a RooPay financial account or using RooPay services, you agree to:

• These RooPay Financial Services Agreement terms

• Taskaroo Platform Terms of Service ([taskaroo.com/platform-terms](https://taskaroo.com/platform-terms))

• Our Privacy Policy ([taskaroo.com/privacy](https://taskaroo.com/privacy))

• Our Fee Schedule ([taskaroo.com/fees](https://taskaroo.com/fees))

• Stripe Treasury Terms ([stripe.com/treasury/legal](https://stripe.com/treasury/legal))

• Stripe Services Agreement ([stripe.com/legal/ssa](https://stripe.com/legal/ssa))

• Celtic Bank Cardholder Agreement (provided separately for card users)

• Fifth Third Bank Cardholder Agreement (provided separately for card users, if applicable)

If you don't agree, don't use RooPay financial services.

1.2 What These Words Mean

• Account: Your RooPay financial account, including Financial Accounts and Cards

• Financial Account: Account with funds held at Fifth Third Bank, N.A., accessed through our platform

• Card: Physical or virtual debit card issued by Celtic Bank or Fifth Third Bank, N.A. through the Stripe platform

• Business User: Company, sole proprietor, contractor, or vendor using services for business purposes

• We/Us/RooPay/Taskaroo: Taskaroo, Inc., a Delaware corporation

• Funds: Money held in your Financial Account

• Business Account: Your Financial Account used for commercial purposes

1.3 Consumer vs. Business Accounts

Different rules apply based on how you use your account:

Business Accounts:

• Limited Regulation E protections

• Shorter dispute windows (24 hours for fraud)

• Shorter termination notice (15 days)

• Cannot opt out of arbitration

• $25 chargeback fee applies

Important: You must accurately represent how you're using the account. Using a personal account for business purposes (or vice versa) violates these Terms and may result in immediate closure.

1.4 Who Provides What

Taskaroo/RooPay provides:

• Technology platform and mobile app

• Payment orchestration

• Customer support

• Integration with Taskaroo property services platform
  

Celtic Bank provides:

• Card issuing for certain accounts

• Website: [www.celticbank.com](https://www.celticbank.com)
  

Fifth Third Bank, N.A. provides:

• Accounts with funds held at Fifth Third Bank, N.A. (Member FDIC)

• Banking infrastructure

• Website: [www.53.com](https://www.53.com)

Stripe provides:

• Stripe Treasury platform

• Payment processing infrastructure

• Card issuing technology

• Identity verification and onboarding (Stripe Identity)

• Compliance and fraud monitoring

• Money transmission services

• Website: [www.stripe.com](https://www.stripe.com)

By using RooPay, you also agree to Stripe's, Celtic Bank's, and Fifth Third Bank, N.A.'s terms of service.

2. ACCOUNT ELIGIBILITY & VERIFICATION {#2-eligibility}

2.1 Who Can Open an Account

You must be:

• At least 18 years old

• U.S. citizen, permanent resident, or have valid work authorization

• U.S. resident with a U.S. mailing address

• Have a valid U.S. phone number and email address

• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

Business accounts additionally require:

• Valid Employer Identification Number (EIN)

• Legal authority to bind the company

• Business formation documents

• Beneficial ownership information (25%+ owners)
  

2.2 Identity Verification Required

We use Stripe's hosted onboarding and identity verification services. By opening an account, you authorize us and [Stripe Payments Company](https://stripe.com) to:

• Obtain consumer reports about you

• Verify your identity with government databases

• Conduct ongoing fraud monitoring

• Request additional documentation at any time
  

Stripe collects and verifies:

For individuals:

• Full legal name

• Date of birth

• Social Security Number or ITIN

• Government-issued photo ID (driver's license, passport, or state ID)

• Home address and contact information
  

For businesses:

• Legal business name and DBA (if applicable)

• Business type and formation documents

• Employer Identification Number (EIN)

• Beneficial owners (anyone with 25%+ ownership)

• Authorized representatives

• Business address and contact information

Failure to provide required information may result in:

- Account application denial

- Account limitations or suspension

- Account closure

### 2.3 Account Rules

You must:

- Keep your information current (update within 10 days of changes)

- Provide truthful and accurate information

- Use your legal name (no nicknames or business names for personal accounts)

- Not open duplicate accounts without our approval

- Not allow others to use your account without proper authorization

- Notify us immediately of unauthorized access

One account per person/entity, unless you have multiple businesses and receive our approval.

We may deny any application for any reason, including:

- Failed identity verification

- High-risk industry

- Prior Terms violations

- Negative banking history

- Regulatory restrictions

---

## 3. BANKING & CARD SERVICES {#3-services}

### 3.1 Understanding the Service Model

IMPORTANT: RooPay is neither a bank nor a money transmitter. RooPay is a software platform that provides access to financial services.

Here's how it works:

1. You apply through RooPay ‚Üí [Stripe Payments Company](https://stripe.com) verifies your identity

2. Celtic Bank or Fifth Third Bank, N.A. holds your funds ‚Üí Your funds are held here (eligible for FDIC insurance)

3. Stripe Treasury provides the infrastructure ‚Üí Connects the banks to our platform

4. You manage everything through RooPay ‚Üí Our app is your interface

5. Celtic Bank or Fifth Third Bank, N.A. issues your debit card (if requested) ‚Üí Through Stripe's card program

What this means for you:

- Your funds are held at Celtic Bank or Fifth Third Bank, N.A., both FDIC-insured institutions

- FDIC insurance eligibility protects your funds up to $250,000 per depositor, per insured bank, for each account ownership category

- You're a customer of RooPay (platform), Celtic Bank and/or Fifth Third Bank, N.A. (banking), and subject to [Stripe Payments Company](https://stripe.com)'s terms

- [Stripe Payments Company](https://stripe.com) powers the technology but doesn't hold your funds

- You must follow Celtic Bank's, Fifth Third Bank, N.A.'s, and [Stripe Payments Company](https://stripe.com)'s terms as well as ours

### 3.2 Services We Provide Access To

Financial Accounts:

- Accounts with funds held at Celtic Bank and Fifth Third Bank, N.A.

- ACH transfers (send and receive)

- Wire transfers (domestic and international)

- Direct payment acceptance

- Mobile check deposit (when available)

- Account-to-account transfers

- Same-day ACH

- Instant transfers (T+0)

- Accelerated transfers (T+1)

Debit Cards:

- Physical Mastercard® or Visa® debit cards

- Virtual cards for online purchases

- Digital wallet support (Apple Pay, Google Pay, Samsung Pay)

- ATM access (55,000+ fee-free Allpoint ATMs)

### 3.3 FDIC Insurance

Funds held in your Financial Account are held at Celtic Bank (Member FDIC) or Fifth Third Bank, N.A. (Member FDIC) and are eligible for FDIC pass-through insurance up to $250,000 per depositor, per insured bank, for each account ownership category.

What FDIC insurance covers:

FDIC insurance covers the failure of an insured bank. FDIC insurance does not cover any losses due to fraud or theft. FDIC insurance coverage is up to $250,000 per depositor, per insured bank, for each account ownership category.

Important details:

- Funds in your Financial Account at Celtic Bank are separately insured from funds at Fifth Third Bank, N.A.

- Multiple ownership categories count separately (individual, joint, business, etc.)

- Your FDIC coverage is per bank: If you have accounts at both Celtic Bank and Fifth Third Bank, N.A., you have up to $250,000 coverage at each bank

- If you have accounts at multiple Financial Accounts for platforms bank partners, your FDIC insurance applies separately to balances held at each bank

What's NOT covered:

- Funds temporarily in transit before they settle to your Financial Account

- Investment losses (funds held in accounts aren't investments)

- Fraud or unauthorized transactions (covered separately by other protections)

- Amounts exceeding $250,000 per ownership category per bank

Learn more: [www.fdic.gov](https://www.fdic.gov) or call 1-877-ASK-FDIC

Pass-through insurance: Your funds are pooled at Celtic Bank and/or Fifth Third Bank, N.A. but are eligible for FDIC pass-through insurance to you individually up to the FDIC limit per bank, if pass-through insurance requirements are satisfied.

### 3.4 Service Availability & Uptime

We strive for 99.9% uptime but don't guarantee uninterrupted service.

Service may be unavailable due to:

- Scheduled maintenance (we'll notify you in advance when possible)

- Unscheduled maintenance or technical issues

- Third-party provider outages (Celtic Bank, Fifth Third Bank, N.A., [Stripe Payments Company](https://stripe.com), card networks, ACH system)

- Internet or telecommunications failures

- Regulatory or legal compliance requirements

- Force majeure events (natural disasters, war, pandemics, etc.)

During outages:

- You may not be able to access your account

- Transactions may be delayed

- Cards may be declined

- Customer support response times may be longer

We're not liable for losses caused by service unavailability unless caused by our gross negligence or willful misconduct.

### 3.5 Third-Party Service Providers

We rely on these key providers:

| Provider | What They Do | Their Terms |

|----------|-------------|-------------|

| Celtic Bank | Holds funds, issues cards | [www.celticbank.com](https://www.celticbank.com) |

| Fifth Third Bank, N.A. | Holds funds, issues cards | [www.53.com](https://www.53.com) |

| Stripe Payments Company | Treasury infrastructure, card issuing platform, identity verification, money transmission services | [stripe.com/legal](https://stripe.com/legal) |

| Mastercard/Visa | Card networks | Subject to network rules |

| Allpoint | ATM network | [www.allpointnetwork.com](https://www.allpointnetwork.com) |

You agree to their terms by using our services.

We're not responsible for:

- Their actions, errors, or omissions

- Their service outages or disruptions

- Changes to their terms or services

- Their failure to perform

- Their bankruptcy or insolvency

Data sharing: We share your information with these providers as necessary to deliver services. See our Privacy Policy for details.

### 3.6 Stripe-Specific Acknowledgments

By using Financial Accounts and Cards, you acknowledge:

1. Stripe Treasury Terms Apply: You agree to Stripe Treasury terms at [stripe.com/treasury/legal](https://stripe.com/treasury/legal)

2. Stripe Services Agreement Applies: You agree to the Stripe Services Agreement at [stripe.com/legal/ssa](https://stripe.com/legal/ssa)

3. Stripe's Role: [Stripe Payments Company](https://stripe.com) provides the technology infrastructure and money transmission services but doesn't hold your funds or make banking decisions

4. Data Sharing: Your information is shared with [Stripe Payments Company](https://stripe.com) for identity verification, fraud prevention, and regulatory compliance

5. Stripe Identity: [Stripe Payments Company](https://stripe.com) handles identity verification and onboarding on our behalf

6. Stripe Marketing: [Stripe Payments Company](https://stripe.com) may identify Taskaroo as a customer in press releases and marketing materials

7. Compliance: [Stripe Payments Company](https://stripe.com) may independently monitor your account for compliance with card network rules and applicable law

For questions about Stripe's role: [email protected]

### 3.7 Bank Partner Disclosures

Required Disclosure:

"Taskaroo partners with [Stripe Payments Company](https://stripe.com) for money transmission services and account services with funds held at Celtic Bank, Member FDIC, and Fifth Third Bank, N.A., Member FDIC."

FDIC Pass-Through Insurance Eligibility:

"Stripe Treasury Accounts are eligible for FDIC pass-through insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to $250,000 per depositor, per insured bank, for each account ownership category."

Important Clarifications:

- Neither [Stripe Payments Company](https://stripe.com) nor RooPay are FDIC-insured institutions

- FDIC insurance eligibility only protects against the failure of an FDIC-insured institution (Celtic Bank or Fifth Third Bank, N.A.)

- If you have accounts with funds held at both Celtic Bank and Fifth Third Bank, N.A., you have separate FDIC insurance eligibility at each institution

- Funds in your RooPay account are held at either Celtic Bank or Fifth Third Bank, N.A. (you can see which bank holds your funds in your account dashboard)

---

## 4. FEES & COSTS {#4-fees}

### 4.1 Fee Schedule

We charge the following fees for RooPay services. All fees are in USD.

Complete fee schedule available at: [taskaroo.com/fees](https://taskaroo.com/fees)

Account Fees:

- Account Setup: $0.00 (free)

- Monthly Maintenance Fee: $0.00 (first account free); $8.00/month for additional accounts

- Additional Account Fee: $5.00/month per additional account

- Account Closure Fee: $0.00 (free)

- Early Account Closure Fee: $35.00 (if closed within 90-180 days of opening)

- Inactive Account Fee: $5.00/month (after 12 months of no activity)

Card Fees:

- Virtual Card: $0.00 for first 10/month; $0.50 for each additional

- Physical Card (First): $0.00 (free)

- Physical Card (Replacement): $12.00

- Card Activation: $0.00 (free)

- Digital Wallet Fee: 0.25% (for Apple Pay, Google Pay, Samsung Pay transactions)

Transfer & Payment Fees:

- ACH Transfer Outgoing (Standard): $0.75

- ACH Transfer Incoming: $0.00 (free)

- Same-Day ACH Outgoing: $1.25

- Same-Day ACH Incoming: $0.00 (free)

- ACH Return (NSF/Reject): $10.00

- Wire Transfer Outgoing (Domestic): $18.00

- Wire Transfer Incoming (Domestic): $0.00 (free)

- Instant Transfer (T+0): 1.25% (minimum $1.50, maximum $15.00)

- Accelerated Transfer (T+1): 0.75%

- Standard Funds Transfer: 0.40%

- Internal Transfer (Between RooPay Users): $0.00 (free)

ATM Fees:

- ATM Withdrawal (In-Network - 55,000+ Allpoint ATMs): $0.00 (free)

- ATM Withdrawal (Out-of-Network): $2.50 + ATM operator fee

- ATM Balance Inquiry (Out-of-Network): $1.00 + ATM operator fee

International Transaction Fees:

- Cross-Border Transaction: 2.5%

- Foreign Exchange: 1.5%

Dispute & Error Fees:

- Dispute Filing (Consumer): $0.00 (free)

- Dispute/Chargeback (Business Account): $25.00 per chargeback

- Stop Payment Request: $30.00

- Account Research Fee: $25.00 per hour (minimum 1 hour)

Overdraft & NSF:

- Overdraft Fee: $0.00 (we do not allow overdrafts)

- NSF Fee: $0.00 (transactions are declined, no fee charged)

Statements & Communication:

- Electronic Statements: $0.00 (free)

- Paper Statements: $4.00 per month

- Email/SMS Notifications: $0.00 (free)

Other Fees:

- Check Deposit Rejection: $10.00 per rejected check

- Account Verification Letter: $10.00 per letter

- Subpoena/Legal Process Response: $50.00 per response

Interest & Rewards:

- Interest on Deposits: 2.25% EFFR (Effective Federal Funds Rate)* - variable

- Cashback Rewards: 0.5-1% on card purchases

*Interest rate is variable and may change. Current rate available at taskaroo.com/rates

### 4.2 Fee Changes

We may change our fees with 30 days' notice (or as required by law). We'll notify you by:

- Email to your registered email address

- In-app notification

- Notice on our website

If you don't agree to fee changes, you may close your account before the changes take effect.

### 4.3 Third-Party Fees

You may incur fees from third parties that we don't control, including:

- Out-of-network ATM operator surcharges

- Foreign transaction fees charged by merchants

- Wire transfer receiving fees charged by recipient banks

- International ATM fees

- Currency conversion fees

We're not responsible for third-party fees.

### 4.4 How Fees Are Charged

Fees are automatically deducted from your Financial Account when incurred. If your balance is insufficient to cover fees:

- We may decline the transaction

- We may suspend services until fees are paid

- We may close your account if fees remain unpaid for 30 days

You agree to maintain sufficient funds to cover all applicable fees.

### 4.5 Fee Refunds

We may refund fees at our sole discretion if:

- The fee was charged in error

- A system malfunction caused the fee

- You can demonstrate the fee was unfair under the circumstances

To request a fee refund, contact [email protected] within 60 days of the fee being charged.

---

## 5. FUNDS & WITHDRAWALS {#5-funding}

### 5.1 Adding Funds to Your Account

You can add funds to your RooPay Financial Account through:

ACH Transfer from External Account:

- Standard processing: 2-3 business days

- Same-day ACH: Same business day (subject to cut-off times and fees)

- Minimum: $10.00

- Maximum: $25,000.00 per transaction

Wire Transfer:

- Domestic wire: Same business day (before 3:00 PM ET cut-off)

- International wire: 1-3 business days

- Minimum: $100.00

- Maximum: No limit (subject to bank policies)

Direct Payment:

- Receive payments directly to your account from other users

- Processing time: Varies by payment method

- No minimum or maximum limits

Funds from Taskaroo Platform Balance:

- Instant transfer from your Taskaroo earnings or payments balance

- Minimum: $1.00

- Maximum: Available balance

### 5.2 Withdrawing Funds from Your Account

You can withdraw funds from your RooPay Financial Account to:

Your Verified External Account:

- ACH (Standard): 2-3 business days, free

- ACH (Same-day): Same business day, $5.00 fee

- Wire transfer: Same business day (before 3:00 PM ET), $25.00 fee

- Minimum: $10.00

- Maximum: Available balance

ATM Withdrawal:

- In-network (Allpoint): Free

- Out-of-network: $2.50 fee + any ATM operator fees

- Daily limit: $500.00

- Per-transaction limit: $500.00

Debit Card Purchases:

- Online, in-store, and over the phone

- Daily limit: $5,000.00

- Per-transaction limit: $5,000.00

### 5.3 Processing Times & Cut-off Schedules

ACH Transfers:

- Standard ACH initiated before 5:00 PM ET: 2-3 business days

- Standard ACH initiated after 5:00 PM ET: 3-4 business days

- Same-day ACH cut-off times:

  - First window: 10:30 AM ET

  - Second window: 2:45 PM ET

- Weekend/holiday transfers process next business day

Wire Transfers:

- Domestic wire cut-off: 3:00 PM ET for same-day processing

- International wire cut-off: 12:00 PM ET

- Wires initiated after cut-off process next business day

- No wire processing on weekends or federal banking holidays

Business Days:

Business days are Monday through Friday, excluding federal banking holidays.

### 5.4 Holds and Availability

Funds availability depends on transfer type:

Incoming ACH Transfers:

- Standard: Available after 2-3 business days

- Same-day: Available same business day

- New accounts: First transfer may be held for 5 business days

Incoming Wire Transfers:

- Domestic: Available same business day when received

- International: Available 1-3 business days after receipt

Direct Payments:

- Consumer to consumer: Instant to 24 hours

- Business payments: Instant to 2 business days

Check Deposits (when available):

- First $225: Available next business day

- Remaining amount: Available 5-7 business days

- Unverified checks: May be held up to 10 business days

We may place holds on funds if:

- Your account is new (less than 30 days old)

- You have a history of overdrafts or returns

- We suspect fraudulent activity

- We receive legal process requiring a hold

- A transfer is being disputed

We'll notify you of holds and expected release dates.

### 5.5 Transaction Limits

Daily Limits:

- ACH Transfer Out: $25,000.00

- Wire Transfer Out: $100,000.00

- ATM Withdrawal: $500.00

- Debit Card Purchase: $5,000.00

- Total Daily Outbound: $100,000.00

Monthly Limits:

- Total ACH Transfers: $100,000.00

- Total Wire Transfers: $500,000.00

- Total Outbound: $500,000.00

We may adjust limits based on:

- Account age and history

- Verification level

- Transaction patterns

- Risk assessment

- Business needs (for business accounts)

To request higher limits, contact [email protected].

### 5.6 Failed or Returned Transactions

If a transaction fails or is returned:

Incoming transfers may fail due to:

- Closed source account

- Insufficient funds at source

- Invalid account information

- Bank restrictions

- Frozen or restricted account

Outgoing transfers may fail due to:

- Insufficient funds in your account

- Invalid recipient information

- Recipient account closed or frozen

- Bank restrictions

- Exceeded limits

When a transaction fails:

- You'll receive email and in-app notification

- Funds will be returned to the source (may take 5-10 business days)

- You may be charged applicable fees

- We'll provide failure reason codes

For failed business account transactions, a $25.00 chargeback fee may apply.

### 5.7 Reversals and Chargebacks

ACH transactions can be reversed by:

- The originating party (within 60 days for consumer, 2 business days for business)

- The bank (for fraud or errors)

- You (by filing a dispute)

If funds are reversed:

- Amount is immediately deducted from your available balance

- If balance is insufficient, you must repay the negative amount within 10 business days

- Your account may be suspended until resolved

- Repeated reversals may result in account closure

Card transactions can be charged back due to:

- Fraud or unauthorized use

- Merchant errors or disputes

- Goods/services not received

- Goods/services not as described

You have specific timeframes to dispute transactions:

- Consumer accounts: 60 days from transaction date

- Business accounts: 24 hours for unauthorized transactions

---

## 6. USING YOUR DEBIT CARD {#6-cards}

### 6.1 Card Issuance

RooPay Cards are issued by Celtic Bank or Fifth Third Bank, N.A., Member FDIC, and powered by [Stripe Payments Company](https://stripe.com).

Card Types Available:

- Physical Debit Card: Mailed to your verified address (7-10 business days)

- Virtual Debit Card: Available instantly in-app after account approval

- Replacement Card: $5.00 fee ($25.00 for expedited shipping)

Card Features:

- Mastercard® or Visa® network

- Chip and PIN for in-person transactions

- Contactless (tap to pay)

- Online and phone purchases

- Digital wallet compatible (Apple Pay, Google Pay, Samsung Pay)

- ATM access (55,000+ fee-free Allpoint ATMs)

### 6.2 Card Activation

Physical cards must be activated before use:

- Through the RooPay mobile app

- By calling 1-855-660-0009

- Online at taskaroo.com/activate

Virtual cards are automatically active and ready to use immediately.

### 6.3 Where You Can Use Your Card

Your RooPay Card can be used:

- Online merchants accepting Mastercard/Visa

- In-person at any merchant accepting Mastercard/Visa

- Phone/mail orders

- Digital wallets (Apple Pay, Google Pay, Samsung Pay)

- ATMs worldwide

Geographic Restrictions:

- Cards work in the United States and its territories by default

- International transactions may require enabling international usage in app

- Some high-risk countries may be blocked for fraud prevention

### 6.4 Card Controls and Limits

You can control your card through the app:

- Lock/unlock card instantly

- Set spending limits (daily, per-transaction)

- Block merchant categories (gambling, adult content, etc.)

- Enable/disable international transactions

- Enable/disable online transactions

- Enable/disable contactless payments

- Set ATM withdrawal limits

Default Card Limits:

- Daily purchase limit: $5,000.00

- Per-transaction limit: $5,000.00

- Daily ATM withdrawal: $500.00

- Monthly total: Unlimited (subject to account balance)

Business accounts may have higher limits. Contact [email protected] to request increases.

### 6.5 Card Security Features

Chip and PIN:

- In-person transactions require PIN entry

- Chip technology prevents card cloning

- Never share your PIN with anyone

Contactless Payments:

- Tap to pay for purchases under $250.00

- Uses encrypted tokenization

- No PIN required for small amounts

Card Verification Value (CVV):

- 3-digit security code on back of physical card

- Dynamically generated for virtual cards

- Required for most online purchases

3D Secure Authentication:

- Additional verification for online purchases

- May require one-time code via SMS or app

- Reduces fraud and unauthorized transactions

### 6.6 Digital Wallets

Add your RooPay Card to:

Apple Pay:

- iPhone, iPad, Apple Watch, Mac

- In-store, in-app, and online payments

- Requires Face ID, Touch ID, or device passcode

Google Pay:

- Android phones and tablets

- In-store, in-app, and online payments

- Requires device unlock

Samsung Pay:

- Samsung Galaxy devices

- Works at nearly any payment terminal

- Requires fingerprint or PIN

Digital wallet benefits:

- Enhanced security through tokenization

- Your actual card number is never shared with merchants

- Biometric authentication for transactions

- Continue making payments if physical card is lost

### 6.7 ATM Access

Free ATMs:

- 55,000+ Allpoint ATMs nationwide

- Use ATM locator at [allpointnetwork.com](https://www.allpointnetwork.com)

- Available in CVS, Walgreens, Target, and other retail locations

Out-of-Network ATMs:

- $2.50 RooPay fee per withdrawal

- ATM operator may charge additional fees

- Balance inquiries: $1.00 fee

ATM Limits:

- Per-transaction: $500.00

- Daily total: $500.00

- International ATMs: $500.00 daily (when international is enabled)

### 6.8 Card Replacement

Request a replacement card if:

- Card is lost or stolen

- Card is damaged or not working

- Card has expired

- You suspect fraud or compromise

Replacement Process:

- Report lost/stolen cards immediately: [email protected] or 1-855-660-0009

- Standard replacement: $5.00 fee, 7-10 business days

- Expedited replacement: $25.00 fee, 2-3 business days

- Virtual card available instantly while you wait for physical card

When you report a card lost or stolen:

- Card is immediately deactivated

- You're not liable for unauthorized transactions after reporting

- Replacement card has a new card number

- Update any recurring payments with new card information

### 6.9 Disputed Card Transactions

If you see an unauthorized or incorrect charge:

For Consumer Accounts:

- Report within 60 days of transaction

- Full Regulation E protections apply

- Maximum liability: $50.00 if reported within 2 days, $500 if reported within 60 days

- Zero liability if reported promptly

For Business Accounts:

- Report within 24 hours for fraud protection

- Limited Regulation E protections

- May be liable for unauthorized transactions if not reported timely

To dispute a transaction:

1. Contact us at [email protected] or 1-855-660-0009

2. Provide transaction details and reason for dispute

3. We'll investigate (up to 90 days for complex cases)

4. Provisional credit may be provided during investigation (consumer accounts)

5. Final determination communicated via email

Common dispute reasons:

- Fraudulent/unauthorized transaction

- Duplicate charge

- Incorrect amount charged

- Goods/services not received

- Goods/services not as described

- Subscription not canceled

---

## 7. WHAT YOU CAN'T DO {#7-prohibited}

### 7.1 Prohibited Activities

You may not use your RooPay Account or Card for:

Illegal Activities:

- Any illegal activity under federal, state, or local law

- Money laundering or terrorist financing

- Tax evasion or fraud

- Identity theft or impersonation

- Counterfeit goods or services

Restricted Industries:

- Adult content, pornography, or escort services

- Cannabis, marijuana, CBD, or hemp products (regardless of local legality)

- Gambling, casinos, betting, lottery, or games of chance

- Firearms, ammunition, or weapons

- Cryptocurrency exchanges, ICOs, or mining operations

- Payday loans, title loans, or predatory lending

- Multi-level marketing (MLM) or pyramid schemes

High-Risk Financial Activities:

- Check cashing services

- Money transmission (unless properly licensed)

- Currency exchange services

- Prepaid card loading services

- Credit repair services

- Debt collection or settlement services

Fraudulent or Deceptive Practices:

- False or misleading statements

- Fake or deceptive business practices

- Phishing or social engineering

- Creating fake accounts or using false identities

- Impersonating another person or business

### 7.2 Prohibited Transactions

You may not:

- Make or receive payments for prohibited activities

- Structure transactions to evade reporting requirements

- Use the account for business if opened as consumer account (or vice versa)

- Share account access with unauthorized persons

- Allow others to use your card without authorization

- Use the account to transfer funds to yourself from stolen or fraudulent sources

- Engage in "card testing" or other fraudulent verification schemes

### 7.3 Prohibited Conduct

You may not:

- Provide false or misleading information

- Create multiple accounts to evade limits or restrictions

- Attempt to access accounts or systems without authorization

- Reverse engineer, decompile, or hack our platform

- Scrape or systematically collect data from our services

- Use bots or automated tools without permission

- Interfere with or disrupt our services

- Violate any of our policies or terms

### 7.4 Consequences of Prohibited Use

If you engage in prohibited activities:

- We may immediately suspend or close your account

- We may hold or freeze funds pending investigation

- We may report you to law enforcement or regulatory authorities

- You forfeit any dispute rights

- You remain liable for all fees, chargebacks, and losses

- You may be permanently banned from RooPay

- We may take legal action to recover damages

We have no obligation to notify you before taking action if we suspect prohibited use.

### 7.5 Monitoring and Compliance

We actively monitor for prohibited activities using:

- Automated transaction monitoring

- Sanctions and watchlist screening

- Fraud detection algorithms

- Manual review of flagged transactions

- Customer reports and tips

You agree that we may:

- Monitor and review your transactions

- Request additional documentation about transactions

- Report suspicious activity to authorities

- Cooperate with law enforcement investigations

- Share information with [Stripe Payments Company](https://stripe.com), Celtic Bank, and Fifth Third Bank, N.A. for compliance purposes

---

## 8. SECURITY & FRAUD PROTECTION {#8-security}

### 8.1 Your Security Responsibilities

You are responsible for:

- Keeping your login credentials confidential

- Using a strong, unique password

- Enabling two-factor authentication (2FA)

- Not sharing your account access with others

- Keeping your PIN and CVV secret

- Protecting your physical card

- Monitoring your account regularly

- Reporting suspicious activity immediately

- Keeping your contact information current

Never share:

- Your password

- Your PIN

- Your CVV security code

- One-time verification codes

- Account access with unauthorized persons

### 8.2 Our Security Measures

We protect your account with:

- Industry-standard 256-bit encryption

- Secure Socket Layer (SSL) technology

- Two-factor authentication (2FA)

- Biometric authentication (fingerprint, Face ID)

- Real-time fraud monitoring

- Automated suspicious activity detection

- Secure data centers with physical security

- Regular security audits and penetration testing

Card Security:

- EMV chip technology

- Tokenization for digital wallets

- 3D Secure authentication for online purchases

- Real-time transaction alerts

- Instant card lock/unlock

- Spending controls and limits

### 8.3 Fraud Detection and Prevention

We monitor for fraud using:

- Machine learning algorithms

- Velocity checks (unusual transaction patterns)

- Geographic anomaly detection

- Device fingerprinting

- Behavioral analysis

- Sanctions and watchlist screening

Suspicious patterns that trigger alerts:

- Rapid succession of transactions

- Unusual geographic locations

- Large or unusual transaction amounts

- Card testing attempts

- Multiple failed login attempts

- Changes to account information followed by large transfers

### 8.4 Reporting Fraud or Unauthorized Access

Report immediately if you suspect:

- Unauthorized access to your account

- Lost or stolen card

- Compromised password or PIN

- Fraudulent transactions

- Phishing attempts

- Any suspicious activity

How to report:

- Email: [email protected]

- Phone: 1-855-660-0009 (24/7 fraud line)

- In-app: Use "Report Fraud" feature

- Mail: Taskaroo, Inc., ATTN: Fraud Department, 1008 N Florida Ave, Tampa, FL 33602

Report as soon as possible. The faster you report, the more we can protect you.

### 8.5 Your Liability for Unauthorized Transactions

Consumer Accounts (Regulation E Protection):

| When You Report | Your Maximum Liability |

|-----------------|------------------------|

| Before any unauthorized transactions | $0 |

| Within 2 business days after learning of loss/theft | $50 |

| More than 2 but less than 60 days after statement showing unauthorized transaction | $500 |

| More than 60 days after statement showing unauthorized transaction | Unlimited (all unauthorized transactions after 60-day period) |

Business Accounts:

- Limited Regulation E protections

- Must report unauthorized transactions within 24 hours for maximum protection

- May be liable for all unauthorized transactions if not reported timely

- No liability if you report before any unauthorized transactions occur

Zero Liability:

You're not liable for unauthorized transactions if:

- You reported the card lost/stolen before unauthorized use

- You had no knowledge of loss/theft and reported promptly after discovering unauthorized transactions

- We determine the transaction was clearly fraudulent

### 8.6 Account Takeover Protection

If someone gains unauthorized access to your account:

- Immediately change your password

- Contact us at [email protected] or 1-855-660-0009

- Lock your card through the app

- Review recent transactions for unauthorized activity

- Enable 2FA if not already enabled

We will:

- Investigate the breach

- Reverse unauthorized transactions (subject to verification)

- Issue new card if compromised

- Reset security credentials

- Monitor your account for further suspicious activity

### 8.7 Two-Factor Authentication (2FA)

We strongly recommend enabling 2FA.

2FA options:

- SMS text message codes

- Authenticator app codes (Google Authenticator, Authy)

- Biometric authentication (fingerprint, Face ID)

When 2FA is required:

- Login from new device

- Password changes

- Large transfers

- Changes to security settings

- Linking external accounts

### 8.8 Phishing and Social Engineering

Be aware of phishing attempts:

We will never:

- Ask for your password via email, text, or phone

- Request your full card number or CVV via email

- Ask you to "verify your account" through suspicious links

- Threaten to close your account unless you act immediately

- Request payment in gift cards or cryptocurrency

If you receive suspicious communications:

- Do not click links or download attachments

- Do not provide personal or account information

- Forward to [email protected]

- Delete the message

- Contact us directly through official channels to verify

Common phishing tactics:

- Urgent or threatening language

- Spelling or grammar errors

- Suspicious email addresses or links

- Requests for sensitive information

- Too-good-to-be-true offers

---

## 9. YOUR PRIVACY {#9-privacy}

### 9.1 Privacy Policy

Our complete Privacy Policy is available at [taskaroo.com/privacy](https://taskaroo.com/privacy).

By using RooPay, you agree to our collection, use, and sharing of your information as described in the Privacy Policy.

### 9.2 Information We Collect

We collect:

- Personal identification information (name, address, SSN, DOB)

- Contact information (email, phone number)

- Financial information (account details, transaction history)

- Identity verification documents (driver's license, passport)

- Device information (IP address, device ID, browser type)

- Location information

- Usage data and analytics

- Biometric data (if you enable fingerprint/Face ID)

### 9.3 How We Use Your Information

We use your information to:

- Open and maintain your account

- Process transactions

- Verify your identity

- Prevent fraud and comply with laws

- Provide customer support

- Improve our services

- Communicate with you

- Comply with legal and regulatory requirements

### 9.4 Information Sharing

We share your information with:

Service Providers:

- [Stripe Payments Company](https://stripe.com) (payment processing, Treasury infrastructure)

- Celtic Bank and Fifth Third Bank, N.A. (account services, funds held at these institutions)

- Identity verification providers

- Fraud prevention services

- Cloud hosting providers

- Customer support tools

Legal and Regulatory:

- Law enforcement (when required by law)

- Regulatory authorities

- Courts (in response to subpoenas or court orders)

- Government agencies (for compliance purposes)

Business Purposes:

- In connection with merger, acquisition, or sale of assets

- With your consent for specific purposes

We do not sell your personal information to third parties.

### 9.5 Data Security

We protect your data with:

- Encryption in transit (TLS/SSL)

- Encryption at rest (AES-256)

- Secure data centers with physical security

- Access controls and authentication

- Regular security audits

- Employee training on data protection

- Incident response procedures

### 9.6 Your Privacy Rights

You have the right to:

- Access your personal information

- Correct inaccurate information

- Request deletion of your information (subject to legal retention requirements)

- Opt out of marketing communications

- Object to certain processing activities

- Port your data to another service

To exercise your rights:

- Email: [email protected]

- Phone: 1-855-660-0009

- Mail: Taskaroo, Inc., ATTN: Privacy Officer, 1008 N Florida Ave, Tampa, FL 33602

### 9.7 California Privacy Rights

If you're a California resident, you have additional rights under CCPA:

- Right to know what personal information is collected

- Right to know if personal information is sold or disclosed

- Right to say no to the sale of personal information

- Right to delete personal information (subject to exceptions)

- Right to non-discrimination for exercising your rights

We do not sell personal information of California residents.

### 9.8 Children's Privacy

RooPay is not intended for children under 18.

We do not knowingly collect information from anyone under 18. If we learn we have collected information from someone under 18, we will delete it immediately.

### 9.9 Changes to Privacy Policy

We may update our Privacy Policy from time to time.

We'll notify you of material changes by:

- Email to your registered email address

- In-app notification

- Notice on our website

Continued use after changes means you accept the updated Privacy Policy.

---

## 10. ERRORS & DISPUTES {#10-disputes}

### 10.1 Transaction Errors

Contact us immediately if you believe:

- An unauthorized transaction occurred

- A transaction amount is incorrect

- A transaction is missing from your account

- You were charged fees incorrectly

- You received an incorrect statement

- The account balance is wrong

### 10.2 Error Resolution for Consumer Accounts

Consumer accounts have Regulation E protections.

To report an error:

1. Contact us within 60 days of the statement date showing the error

2. Email: [email protected] or [email protected]

3. Phone: 1-855-660-0009

4. Mail: Taskaroo, Inc., 1008 N Florida Ave, Tampa, FL 33602

Include:

- Your name and account number

- Description of the error and why you believe it's an error

- Dollar amount of the suspected error

- Date of the error

Our investigation process:

1. Acknowledgment: We'll acknowledge your error report within 3 business days

2. Investigation: We'll investigate within 10 business days (or 20 business days for new accounts, POS transactions, or foreign transactions)

3. Provisional Credit: If we need more time, we may credit your account within 10 business days while we complete our investigation (up to 45 days, or 90 days for new accounts, POS transactions, or foreign transactions)

4. Resolution: We'll notify you of our findings within 3 business days of completing our investigation

If we find an error:

- We'll correct the error promptly

- Any provisional credit becomes permanent

- We'll refund any fees related to the error

If we find no error:

- We'll explain our findings in writing

- We may reverse any provisional credit (with 5 business days' notice)

- You may request copies of documents we used in our investigation

### 10.3 Error Resolution for Business Accounts

Business accounts have limited Regulation E protections.

You must report errors within 24 hours for maximum protection.

Our process:

- We'll investigate reported errors

- Investigation may take up to 90 days for complex cases

- Provisional credit may not be available

- Final determination will be communicated via email

### 10.4 Disputing Card Transactions

For fraudulent or unauthorized card transactions:

Consumer Accounts:

- Report within 60 days of statement date

- Maximum liability: $50 if reported within 2 days, $500 if reported within 60 days

- Zero liability for clearly fraudulent transactions reported promptly

Business Accounts:

- Report within 24 hours

- Limited liability protection

- May be liable for all unauthorized transactions if not reported timely

For merchant disputes (goods/services issues):

1. First, try to resolve with the merchant

2. If unresolved, contact us to file a chargeback

3. Provide documentation (receipts, communications with merchant, proof of return)

4. We'll submit chargeback to card network

5. Merchant has right to contest chargeback

6. Resolution may take 60-90 days

Common chargeback reasons:

- Item not received

- Item significantly not as described

- Defective item

- Cancelled subscription still charged

- Duplicate charge

- Incorrect amount charged

### 10.5 Our Right to Investigate

We may investigate any transaction or account activity that:

- Appears suspicious or fraudulent

- Violates these Terms

- Is subject to a dispute or error report

- Triggers our fraud detection systems

- Is requested by law enforcement

During an investigation, we may:

- Freeze or hold funds

- Suspend account access

- Request additional documentation

- Contact you for more information

- Report findings to authorities

- Reverse transactions

Investigations may take up to 90 days for complex cases.

### 10.6 Statements and Records

Electronic Statements:

- Available monthly in-app and online

- Email notification when statement is ready

- Contains transaction history, fees, and balance information

- Available for download and printing

Paper Statements:

- Available for $2.00 per statement

- Mailed within 5-7 business days of request

- Contains same information as electronic statements

Transaction History:

- Available in real-time through app and website

- Export available in CSV format

- Retained for 7 years

You must review statements regularly and report errors promptly.

---

## 11. CLOSING YOUR ACCOUNT {#11-termination}

### 11.1 Closing Your Account (Voluntary)

You may close your account at any time.

To close your account:

1. Withdraw or transfer all funds

2. Pay any outstanding fees or charges

3. Cancel any recurring payments

4. Contact [email protected] or call 1-855-660-0009

5. Confirm closure request

Before closing:

- Ensure all pending transactions have cleared

- Transfer out all remaining funds

- Destroy physical card (cut through chip and magnetic stripe)

- Update any merchants with new payment information

After closure:

- You cannot reopen a closed account (must apply for new account)

- All cards are immediately deactivated

- Pending transactions may still process for up to 30 days

- You remain responsible for any fees or chargebacks

### 11.2 Account Closure by Us

We may close your account immediately, without notice, if:

- You violate these Terms

- You provide false or misleading information

- You engage in fraudulent or illegal activity

- Your account shows suspicious activity

- You refuse to provide requested documentation

- You have excessive chargebacks or disputes

- You have a negative balance for more than 30 days

- Required by law or regulation

- At our sole discretion for any reason

### 11.3 Account Suspension

We may suspend your account (temporarily or permanently) if:

- We suspect fraud or unauthorized access

- We need to investigate suspicious activity

- You have excessive chargebacks or disputes

- You're under regulatory review

- Your identity verification is incomplete

- Your account is flagged for risk management

During suspension:

- You cannot make transactions

- Incoming funds may be held or returned

- Cards are temporarily disabled

- You may be asked to provide additional information

We'll notify you of suspension and reason when possible, unless prohibited by law.

### 11.4 Notice Periods

For account closure by us:

- Consumer accounts: 30 days' notice (when possible)

- Business accounts: 15 days' notice (when possible)

- Immediate closure for fraud, illegal activity, or Terms violations

For account closure by you:

- Effective immediately upon confirmation

- Pending transactions may still process

### 11.5 Funds After Closure

If your account is closed:

- Withdraw all funds before closure (if voluntary)

- We'll attempt to return funds to your verified external account

- If we cannot return funds, we'll mail you a check within 30 days

- Remaining funds may be subject to holds for pending disputes or chargebacks

- After 60 days, unclaimed funds may be escheated to the state

You remain liable for:

- All outstanding fees and charges

- Any chargebacks received after closure

- Any negative balance

- Costs of collection if you fail to pay amounts owed

### 11.6 Effect of Termination

Upon closure of your account:

- All rights to use RooPay services terminate immediately

- Surviving provisions remain in effect (dispute resolution, indemnification, etc.)

- You must still comply with all obligations incurred before closure

- We may retain records as required by law (typically 5-7 years)

---

## 12. LIMITS ON OUR LIABILITY {#12-liability}

### 12.1 Disclaimer of Warranties

ROOPAY SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

We disclaim all warranties, including:

- Implied warranties of merchantability

- Implied warranties of fitness for a particular purpose

- Warranties of non-infringement

- Warranties that services will be uninterrupted or error-free

- Warranties regarding accuracy, reliability, or completeness

We do not warrant that:

- Services will meet your requirements

- Services will be available at all times

- Results will be accurate or reliable

- Errors will be corrected

- The service is free of viruses or harmful components

### 12.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROOPAY, ITS AFFILIATES, AND SERVICE PROVIDERS ARE NOT LIABLE FOR:

Indirect Damages:

- Indirect, incidental, special, consequential, or punitive damages

- Lost profits, revenue, data, or opportunities

- Loss of goodwill or reputation

- Cost of substitute services

- Business interruption

Even if we've been advised of the possibility of such damages.

Direct Damages:

Our total liability for any claim is limited to the greater of:

- $100, or

- The amount of fees you paid to us in the 3 months before the claim

This limitation applies to claims based on:

- Breach of contract

- Breach of warranty

- Negligence

- Strict liability

- Any other legal theory

### 12.3 Exceptions to Limitations

These limitations do not apply to:

- Liability that cannot be excluded under applicable law

- Our gross negligence or willful misconduct

- Consumer protections required by law (such as Regulation E)

- Our obligations to maintain FDIC insurance eligibility

- Fraud or intentional misrepresentation by us

### 12.4 Third-Party Failures

We're not liable for failures or delays caused by:

- Celtic Bank or Fifth Third Bank, N.A.

- [Stripe Payments Company](https://stripe.com)

- Card networks (Mastercard, Visa)

- ACH or wire networks

- Internet or telecommunications failures

- Your device or software failures

- Merchant errors or disputes

- Actions of other financial institutions

These third parties provide services beyond our control.

### 12.5 Service Interruptions

We're not liable for losses due to:

- Scheduled maintenance

- System outages or failures

- Network disruptions

- Force majeure events (natural disasters, war, pandemics, etc.)

- Government actions or regulations

- Strikes or labor disputes

We'll make reasonable efforts to minimize disruptions and provide notice when possible.

### 12.6 Unauthorized Access

We're not liable for unauthorized access or use of your account if:

- You failed to safeguard your credentials

- You shared your account access

- You didn't report lost/stolen card promptly

- You didn't enable available security features

- You ignored security warnings or alerts

Subject to Regulation E consumer protections for consumer accounts.

### 12.7 User Content and Actions

You're solely responsible for:

- Your use of RooPay services

- Your transactions and payment decisions

- Information you provide to us

- Compliance with applicable laws

- Actions of anyone you authorize to access your account

We're not liable for your errors, mistakes, or poor decisions.

### 12.8 Indemnification by You

See Section 13 (Your Responsibilities to Us) for your obligation to indemnify us against losses caused by your actions.

---

## 13. YOUR RESPONSIBILITIES TO US {#13-indemnification}

### 13.1 Indemnification Obligation

You agree to indemnify, defend, and hold harmless Taskaroo, Inc., RooPay, our affiliates, partners, officers, directors, employees, agents, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or relating to:

Your Use of Services:

- Your use or misuse of RooPay services

- Your violations of these Terms

- Your transactions or account activity

- Your failure to pay fees or amounts owed

Your Violations:

- Your violation of any law or regulation

- Your violation of third-party rights

- Your fraudulent or illegal activity

- Your prohibited use of services

Your Content and Information:

- Information you provide to us

- Your representations and warranties

- Content you submit or share

- Your identity verification documents

Third-Party Claims:

- Claims by merchants regarding chargebacks

- Claims by other users

- Claims related to your business activities

- Disputes about transactions you initiated

### 13.2 Defense of Claims

If we're subject to a claim you're required to indemnify:

- We'll notify you of the claim

- You'll assume defense of the claim at your expense

- We may participate in the defense at our expense

- You may not settle without our written consent

- We may assume defense if you fail to do so

### 13.3 Cooperation

You agree to cooperate with us in defending any claim:

- Provide relevant information and documents

- Respond to our inquiries promptly

- Testify if required

- Take actions reasonably requested by us

### 13.4 Right to Offset

We may offset amounts you owe us against:

- Your account balance

- Funds you're entitled to receive

- Future payments to you

- Any amounts you owe us under any Taskaroo service

This is in addition to any other remedies available to us.

### 13.5 Survival

Your indemnification obligations survive:

- Termination of these Terms

- Closure of your account

- Any dispute resolution or arbitration

- Any judgment or settlement

You remain obligated even after your relationship with RooPay ends.

---

## 14. OWNERSHIP & INTELLECTUAL PROPERTY {#14-intellectual-property}

### 14.1 Our Intellectual Property

We own all rights to RooPay services, including:

- RooPay‚Ñ¢ and Taskaroo‚Ñ¢ trademarks and logos

- Website, mobile app, and software

- Text, graphics, photos, and content

- User interface and design

- Source code and algorithms

- Documentation and materials

These are protected by:

- Copyright laws

- Trademark laws

- Trade secret laws

- Patent laws

- Other intellectual property laws

### 14.2 Limited License to You

We grant you a limited, non-exclusive, non-transferable, revocable license to:

- Access and use RooPay services

- Use our mobile app on your device

- View and print materials for personal use

This license does not permit you to:

- Reproduce, modify, or create derivative works

- Distribute, sell, or transfer our services

- Reverse engineer or decompile our software

- Remove copyright or proprietary notices

- Use our trademarks without permission

### 14.3 Your Content

You retain ownership of content you submit to us, including:

- Photos and documents you upload

- Messages and communications

- Profile information

- Transaction descriptions

By submitting content, you grant us a license to:

- Use, store, and display your content

- Process your content to provide services

- Share your content with service providers

- Retain your content for recordkeeping

This license is:

- Worldwide and royalty-free

- For the duration of your account plus retention periods required by law

- Non-exclusive (you can share your content elsewhere)

- Necessary for us to provide services

### 14.4 Feedback and Suggestions

If you provide feedback, ideas, or suggestions to us:

- We may use them without obligation to you

- You grant us a perpetual, irrevocable, royalty-free license

- We have no obligation to compensate you

- We have no obligation to implement your suggestions

- You waive any ownership claims

### 14.5 Trademarks

RooPay‚Ñ¢, Taskaroo‚Ñ¢, and associated logos are our trademarks.

You may not:

- Use our trademarks without written permission

- Register domain names containing our trademarks

- Use trademarks in a way that causes confusion

- Disparage or tarnish our trademarks

Third-party trademarks:

- Mastercard® and Visa® are registered trademarks of their respective owners

- [Stripe Payments Company](https://stripe.com) and Stripe‚Ñ¢ are trademarks of Stripe, Inc.

- Other trademarks are property of their respective owners

### 14.6 Copyright Infringement

If you believe content on RooPay infringes your copyright:

Send a DMCA notice to:

- Email: [email protected]

- Mail: Taskaroo, Inc., ATTN: DMCA Agent, 1008 N Florida Ave, Tampa, FL 33602

Include:

- Identification of copyrighted work

- Identification of infringing material

- Your contact information

- Statement of good faith belief

- Statement that information is accurate

- Your physical or electronic signature

We'll investigate and take appropriate action.

---

## 15. CHANGES TO THESE TERMS {#15-changes}

### 15.1 Our Right to Modify

We may change these Terms at any time.

Changes may be made for:

- Compliance with new laws or regulations

- Enhanced security or fraud prevention

- New features or services

- Changes to our business model

- Changes to partner agreements

- Any other reason at our discretion

### 15.2 Notice of Changes

We'll notify you of material changes by:

- Email to your registered email address

- In-app notification

- Notice on our website at [taskaroo.com/roopay-terms](https://taskaroo.com/roopay-terms)

- Notification when you next log in

Notice will be provided at least 30 days before changes take effect (or as required by law).

For non-material changes:

- We may not provide advance notice

- Changes take effect immediately upon posting

- Your continued use constitutes acceptance

### 15.3 Your Options

If you don't agree to changes:

- You may close your account before changes take effect

- Follow the account closure process in Section 11

- Withdraw your funds before closure

- You will not be bound by the new terms

If you continue using RooPay after changes take effect:

- You accept the updated Terms

- The new Terms govern your account

- You waive any objections to the changes

### 15.4 Changes to Fees

Fee changes require 30 days' notice (or as required by law).

We'll notify you of fee changes the same way as Terms changes.

You may close your account before fee changes take effect to avoid new fees.

### 15.5 Amendments by Agreement

These Terms may only be modified by:

- Us, as described in this section

- Written agreement signed by both parties

- Amendments required by law or court order

Our employees cannot modify these Terms verbally or through informal communications.

---

## 16. RESOLVING DISAGREEMENTS {#16-dispute-resolution}

### 16.1 Agreement to Arbitrate

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Most disputes must be resolved through binding arbitration instead of court.

By using RooPay, you agree that:

- You and RooPay will arbitrate most disputes

- Arbitration uses a neutral arbitrator instead of a judge or jury

- Arbitration is less formal than court

- Discovery is more limited in arbitration

- Arbitrator's decisions are final and binding

- Court review of arbitration awards is very limited

- You waive your right to a jury trial

This arbitration agreement is governed by the Federal Arbitration Act (FAA).

### 16.2 Consumer Opt-Out Right

CONSUMER USERS MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS.

To opt out:

1. Send written notice within 30 days of creating your account

2. Email to: [email protected] with subject "Arbitration Opt-Out"

3. Or mail to: Taskaroo, Inc., ATTN: Arbitration Opt-Out, 1008 N Florida Ave, Tampa, FL 33602

Include:

- Your name

- Account email address

- Account phone number

- Statement: "I opt out of the arbitration agreement"

- Your signature (for mailed notices)

If you opt out:

- You can sue in court instead of arbitrating

- RooPay can also sue you in court

- All other Terms still apply

- This opt-out right is only available to consumer users

Business users may not opt out of arbitration.

### 16.3 Covered Disputes

The following disputes must be arbitrated:

- Claims arising from these Terms

- Claims related to your account or services

- Claims about transactions or fees

- Claims about account closure or suspension

- Claims about fraud or unauthorized access

- Claims about privacy or data use

- Claims about intellectual property (except certain injunctive relief)

- Claims between you and RooPay or our affiliates, employees, or agents

### 16.4 Exceptions to Arbitration

The following disputes may be brought in court:

- Small claims court actions (under $10,000)

- Claims for injunctive or equitable relief to stop unauthorized use of intellectual property

- Claims that cannot be arbitrated under applicable law

- Claims by you if you properly opted out (consumers only)

### 16.5 Arbitration Procedures

Arbitration will be administered by:

- American Arbitration Association (AAA)

- Under AAA Consumer Arbitration Rules (for consumer disputes)

- Under AAA Commercial Arbitration Rules (for business disputes)

- Rules available at [www.adr.org](https://www.adr.org)

To start arbitration:

1. Send written demand to: [email protected]

2. Include description of dispute, amount of damages, and remedy sought

3. File arbitration claim with AAA per their rules

4. Pay required filing fees (we may cover your fees, see below)

Arbitration process:

- One neutral arbitrator chosen per AAA rules

- Arbitrator must follow these Terms

- Arbitrator has same powers as court (but no jury)

- Arbitration may be conducted in person, by video, or by phone

- Arbitrator issues written decision with reasons

- Arbitrator's decision is final and binding

- Court can enter judgment on arbitrator's award

### 16.6 Location of Arbitration

Arbitration location:

- Consumer disputes: Your county of residence, or phone/video if you prefer

- Business disputes: Tampa, Florida, or mutually agreed location

- Remote arbitration available by agreement

### 16.7 Arbitration Fees and Costs

Consumer disputes:

- We'll pay arbitration fees if they exceed small claims court filing fees

- You pay only what you would pay to file in small claims court

- If you win, we pay your reasonable attorneys' fees if applicable law requires it

Business disputes:

- Each party pays their own fees per AAA rules

- Arbitrator may award fees to prevailing party if allowed by law

If you can't afford fees:

- You may request fee waiver from AAA

- We may voluntarily pay or waive fees

### 16.8 Class Action Waiver

YOU AND ROOPAY AGREE THAT DISPUTES MUST BE ARBITRATED ON AN INDIVIDUAL BASIS ONLY.

You waive your right to:

- Participate in class action lawsuits

- Participate in class arbitrations

- Bring claims as a class representative

- Bring claims on behalf of others

- Join your claims with claims of others

The arbitrator may not:

- Consolidate claims of multiple people

- Preside over class proceedings

- Award relief to anyone other than you individually

If the class action waiver is found unenforceable:

- The entire arbitration agreement is void

- Disputes will be resolved in court

- All other Terms remain in effect

### 16.9 Informal Dispute Resolution

Before filing arbitration or lawsuit, you agree to:

1. Contact us at [email protected] or 1-855-660-0009

2. Describe your dispute and desired resolution

3. Allow us 60 days to resolve the dispute informally

4. Negotiate in good faith toward resolution