This Platform Agreement is a legal agreement between Company and dash.fi (as such terms are defined immediately below) and governs your use of the Services. In this Platform Agreement, “Company” or “you” means the company that is applying for or has opened a dash.fi Account to use the Services, and “dash.fi” or “we” means FunnelDash Inc d/b/a dash.fi "dash.fi", a Delaware corporation, and its affiliates, successors and assigns. References to “Platform Agreement” include the document that you’re reading and any terms, agreements, and policies referenced including, without limitation, the Terms of Service (the “TOS”), Program Terms specific to the Services you use, the Privacy Policy, Data Protection Addendum , Rewards Terms, and any applicable Additional Terms or supplemental agreements, all of which are incorporated herein by reference. To the extent that there is any direct conflict between the terms of this Platform Agreement and the TOS, the terms of the TOS shall control. Definitions for other capitalized terms (like “dash.fi Account” and “Services”) are included below in Section 4.

The terms and conditions of this Platform Agreement are binding as of the date you submit an application to open a dash.fi Account. When you submit your application you are consenting to receive all Notices and communications electronically. We may update this Platform Agreement and any terms, agreements, or policies incorporated by reference by providing Notice through posting updated versions to our legal page. We may also give you additional Notice of any changes we believe are material. Your continued use of the Services will serve as your acceptance of any changes to this Platform Agreement and incorporated terms, agreements, and policies referenced.

You may only apply for and maintain a dash.fi Account and use the Services if you agree to this Platform Agreement, so read it carefully. Please contact us if you don’t understand any of the terms of this Platform Agreement.

Section 3 of this Platform Agreement includes an agreement to resolve any Disputes through binding arbitration and a waiver of any consolidated or class actions, along with important disclaimers and limitations of liability.

Payment services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). In the US Currency Cloud operates in partnership with CFSB. CFSB fully owns the bank program and services are provided by The Currency Cloud Inc. Please see terms and conditions for more details.

1.1 Eligibility

Only companies organized and registered in the United States (such as C-corps, S-corps, LLCs, or LLPs) may apply for a dash.fi Account and use the Services. Individual consumers, sole proprietors, unincorporated partnerships, and companies organized and registered outside the United States are not permitted to use or attempt to open or use a dash.fi Account or the Services.

1.2 Requirements

REPRESENTATIONS OF COMPANY

By submitting an application for a dash.fi Account, the natural person submitting the application represents and warrants in an individual capacity and as an authorized representative of Company that:

• Company is a business entity that is organized, registered, and located in the United States
• Company has a valid U.S. Employer Identification Number (EIN)
• Company is validly existing and in good standing in its jurisdiction of organization
• Company is not engaged in any Prohibited Activities
• The natural person who applies for a dash.fi Account on Company’s behalf is authorized to provide information about Company, submit the application on behalf of Company, enter into binding agreements on behalf of Company, and manage Company’s dash.fi Account
• The natural person who applies for a dash.fi Account on Company’s behalf is not and is not affiliated with a Prohibited Person
• All information you provide to us is and will be current, accurate, and complete
• Company will use its dash.fi Account exclusively for business purposes and not for any personal, family, or household use
• You have reviewed this Platform Agreement and the terms, agreements, or policies incorporated by reference

REQUIRED INFORMATION

You must provide Company Data to apply for and maintain a dash.fi Account and any Services. Company Data may include registered business name, business address, ownership details, contact information including email and phone number, tax identification number, the nature of the business, financial information, details for your Linked Accounts, and other business information that we may require or request from time to time.

You must also provide certain Personal Data including the names, contact information, personal addresses, social security numbers, and dates of birth of Administrators, Users, Beneficial Owners, and Control Persons. We may also require that you provide certain documentary information used to verify Company Data and Personal Data including corporate registration certificate, proof of address, or personal identification.

You must connect at least one Linked Account. You authorize us to verify that the account details you provided for your Linked Account are correct and the Linked Account belongs to you by making a microdeposit to and corresponding debit from the Linked Account via ACH or by other similar means.

To help the government fight the funding of terrorism and money laundering activities, U.S. federal law requires that financial institutions obtain, verify, and record Company Data and Personal Data identifying companies and their Beneficial Owners and Control Persons. You agree to provide the required information to open and maintain your dash.fi Account and agree to keep such information current. This information may be shared with Program Partners and Third-Party Service Providers for these purposes. You may be required to verify information previously provided or provide additional information in the course of applying for or receiving certain Services.

You acknowledge that you have obtained or will obtain appropriate consent and authorization of any person whose Personal Data you provide before sharing such data with us.

VERIFICATION AND VALIDATION OF INFORMATION

dash.fi and its Program Partners rely on the accuracy of the information you provide when opening and maintaining your dash.fi Account. You acknowledge and agree that we may use and provide Company Data and Personal Data to Program Partners and Third-Party Service Providers to validate the information you have provided and determine your eligibility for the Services, as described in the Privacy Policy.

We may approve or deny your application or grant you provisional access to the Services or your dash.fi Account while your application is pending additional review. We may deny your application, interrupt provision of the Services to you, or suspend or close your dash.fi Account where the information you provided is incomplete, inaccurate, or out of date.

CONSENT TO ELECTRONIC SIGNATURE AND COMMUNICATIONS

You agree that submitting your application for a dash.fi Account and indicating consent to this Platform Agreement constitutes your electronic signature. You also agree that your electronic consent has and will have the same legal effect as a physical signature. You consent to us providing Notices and account statements to you electronically, and understand that this consent has the same legal effect as would a physical signature.

SUPPLEMENTAL AGREEMENTS

In certain circumstances, including where we deem Company to present a high risk to dash.fi or where we are required by a Program Partner, we may require supplemental agreements between dash.fi and Company or parties affiliated with Company. The availability of specific Services to Company may be subject to these supplemental agreements. We may add or change the applicability of these requirements and the supplemental agreements at any time. Company or parties affiliated with Company (including affiliates or Control Persons) may be required to enter into such supplemental agreements in order to access or continue use of the Services. We may require Company to enter into a security agreement or provide a security interest in Company assets for certain Programs. Required supplemental agreements are provided separately from this Platform Agreement.

1.3 Prohibited and Restricted Activities

Your dash.fi Account and the Services may not be (a) used for any purpose that is unlawful or prohibited by this Platform Agreement, (b) used for any personal, family, or household use, (c) used for any transaction involving any Prohibited Activities, (d) provided to or used for any transaction involving an individual, organization, country, or jurisdiction that is blocked or sanctioned by the United States, including those identified on any lists maintained by the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC) or the U.S. Department of State, (e) used by third parties unaffiliated with Company, or (f) used for any purpose not related to the business of Company.

We will not approve and may terminate dash.fi Accounts that we know or believe are engaged in any Prohibited Activities or otherwise do not comply with these restrictions. We may limit Company’s use of certain Services or require that you provide additional information to open or maintain your dash.fi Account where Company is engaged in Restricted Activities.

We may update the lists of Prohibited Activities or Restricted Activities at any time, and your continued use of the Services constitutes your acknowledgement of, and agreement, to abide by those updated lists. You agree to review these lists regularly and contact us with any questions you have about how these lists may apply to Company's business. You agree to pay all Fines assessed against us or your violation of the restrictions and requirements of this section or any use of the Services in connection with any Prohibited Activities or Restricted Activities.

1.4 Data and Privacy

We process Personal Data in accordance with the Privacy Policy and Data Protection Addendum. You acknowledge, understand, and agree that we will collect, process, and share Company Data and Personal Data to provide the Services in accordance with this Platform Agreement, the Data Protection Addendum, and the Privacy Policy.

2.1 Authorized Users

ADMINISTRATORS

You must specify at least one Administrator to manage your dash.fi Account when submitting your application. Administrators must have, and Company represents that any individual designated as an Administrator has, the requisite organizational power and authority to conduct business and manage Company’s dash.fi Account. In the event that an individual designated as an Administrator no longer has such requisite organizational power and authority, Company must notify us promptly and designate another Administrator for the dash.fi Account.

Administrators may: add, remove, or manage additional Administrators and Users; view transactions; view and run reports and download statements; provide or update Company Data; connect Linked Accounts, Third-Party Services, and other accounts to your dash.fi Account; consent to any new or updated terms or conditions contained in this Platform Agreement or other agreements or policies incorporated in this Platform Agreement, consent to supplemental agreements, or consent to any Additional Terms; and take actions specified in the Program Terms and perform other tasks on Company’s behalf. Administrators must not authorize the use of Company’s dash.fi Account or the Services by any Prohibited Person.

Administrators must monitor Company’s dash.fi Account activity and statements as required by applicable Program Terms. Certain Services include additional permission levels and authorizations. If you use these Services, Administrators on your dash.fi Account will be able to authorize and assign Users these permission levels and authorizations.

BOOKKEEPERS

You may authorize individuals to have read-only "bookkeeper access" to certain information about Company’s use of the Services on Company’s dash.fi Account. These individuals may view and run reports and download statements.

USERS

Users may use Company’s dash.fi Account, transact, and use the Services only for valid, lawful, bona fide business purposes on Company’s behalf. Users may not use the Services for personal, family, or household purposes. Users must accept and comply with the User Terms.

2.2 Responsibility for Use

Company is responsible and liable for any actions or failure to act on the part of Administrators, Users, and those using Credentials issued to Users to access Company’s dash.fi Account.

Company is responsible for:

• Ensuring that Users are aware of and agree to abide by the terms of this Platform Agreement, the applicable Program Terms and all applicable law and Card Network rules in connection with their use of the Services
• Obtaining appropriate consent and authorization to provide Users’ personal information, and ensuring that Users are aware of and have reviewed the Privacy Policy and understand how we process their personal information
• Ensuring that Users are aware of, accept, and comply with the User Terms
• Ensuring that Users use the Services only for valid, lawful business purposes and not for any personal, family, or household use

Company is liable for any breach or violation by its Users of this Platform Agreement or any of the agreements, terms, and policies incorporated by reference.

Company is responsible for ensuring that Administrators, Users, and any other persons affiliated with Company communicate respectfully and will refrain from using any form of disrespectful, harassing, abusive, or hate speech with dash.fi team members. If dash.fi receives reports of any such behavior by representatives of your Company towards our team, we may contact your Administrator, suspend access to Company’s dash.fi Account and the Services, or close your dash.fi Account.

2.3 Access

SAFEGUARDS AND CREDENTIALS

You will keep your dash.fi Account secure and only provide access to individuals that you have authorized to use the Services on your behalf. You will take all reasonable steps to safeguard the privacy, confidentiality, and security of User Credentials. You will closely and regularly monitor the activities of Users who access the Services, and you will use all reasonable means to protect Cards, checks, mobile devices, web browsers, and anything else used to access or utilize the Services.

You will ensure that each User has their own unique set of Credentials, keeps those Credentials secure, does not share those Credentials with any other person or third party, and does not reuse Credentials for other services.

You will not allow any unauthorized person to use the Services. You will immediately disable User access to the Services or limit permissions where you know or suspect your dash.fi Account has been compromised or may be misused or where you know or believe a User’s Credentials are compromised or lost; and you will promptly notify us of any unauthorized access or use of your dash.fi Account or the Services.

SECURITY PROCEDURES

You are responsible for assessing the security requirements of your business and selecting and implementing Security Procedures appropriate to mitigate your exposure to potential security incidents. This responsibility includes selecting appropriate administrative, procedural, and technical controls that are appropriate to protect Company’s financial accounts.

dash.fi may provide or suggest that you implement certain Security Procedures in connection with your use of the Services. You understand that your responsibility for the security of your business is not diminished by any Security Procedures that we provide or suggest. You agree to review all of the Security Procedures we suggest and choose those that are appropriate to protect the Company against unauthorized transactions. If you believe that the Security Procedures we suggest are insufficient for Company then it is your sole responsibility to independently implement additional controls that meet Company’s needs.

We may update the Security Procedures at any time, and your continued use of the Services constitutes your agreement to the updated Security Procedures. You agree to review the Security Procedures regularly and contact us with any questions about the Security Procedures.

By using the Services, you represent that you have reviewed the Security Procedures and that those you have chosen are commercially reasonable for you to protect against unauthorized transactions. You assume all liability arising from disabling, opting out of, or failing to properly use Security Procedures made available to you or implemented at your discretion.

2.4 Transactions and Activities

Though we may provide Security Procedures, we cannot guarantee that you will not become a victim of fraud. You are solely responsible for all transactions initiated through the Services using Credentials and for all transactions initiated in your name that are authenticated using the Security Procedures you choose.

You will be bound by any transaction (including any transfer, instruction, or payment order we receive related to the Services), even if it is not authorized, if the transaction is initiated under your Credentials or processed in accordance with your instructions.

We may help you resolve unauthorized transactions, but you acknowledge and understand that you are responsible for any financial loss caused by Administrators, Users, or other persons given access to the Services or your dash.fi Account, and any financial for loss due to compromised Credentials or due to any unauthorized use or modification of your dash.fi Account or the Services. dash.fi is not liable or responsible to you, and you waive any right to bring a claim against us, for any such losses.

We may suspend access to your dash.fi Account or the Services at any time and for any reason, in our sole and absolute discretion, without prior Notice. Some of the reasons we may suspend access to your dash.fi Account include: if we believe your dash.fi Account has been compromised; if we believe that not doing so may pose a risk to you, us, or any third parties; if Company Data or Personal Data is incomplete, inaccurate, or out of date; if we believe you have violated this Platform Agreement or the law; or if we are required to do so by a Program Partner or by law.

Company’s dash.fi Account is commercial in nature, and you acknowledge and understand that certain consumer protection laws (including the Electronic Funds Transfer Act or Regulation E) and consumer-specific rules (including NACHA rules specific to consumers) do not apply to transactions on your dash.fi Account or your use of the Services.

2.5 Fees and Disclosures

FEES

We may assess Fees for some Programs or Services, including periodic fees, usage fees, service fees, and fees applicable to certain transactions. We may also assess Fees for late or failed payments, or misuse of your dash.fi Account or the Services. We will disclose Fees to you when opening your dash.fi Account, when you start using a new Service, or through our website. We may update, add, or change Fees upon 30 days' Notice to you.

Any accrued or incurred Fees will be reflected on your statements for the applicable Program and included in the amounts you owe dash.fi under such Program.

DISCLOSURES ABOUT THE SERVICES

Some Programs or Services provided by dash.fi may require use of other Programs or Services. We do this because some of our Services serve as a way to access other Services. For example, if we allow you to sign-up for an Ad Wallet, we will issue you Cards as a way to access funds in your dash.fi Cash Account. We will disclose any such required additional Programs or Services to you before you use such Programs or Services.

We may report Company payment history and performance to one or more credit reporting agencies.

2.6 Rewards

dash.fi may determine when, how, and under what conditions you may qualify for, accrue, redeem and retain rewards, and dash.fi may modify these conditions with or without Notice to you. Certain Programs or Services may not be eligible for rewards. Rewards may be subject to caps, revocation, or forfeiture as set forth in the Rewards Terms. All rewards offered are subject to the Rewards Terms.

2.7 Changes to the Services

We may add Programs or Services or modify existing Programs or Services at any time. Some of these Services will be subject to Additional Terms. You acknowledge and understand that in order to use certain Services, you must agree to the Additional Terms that we will provide separately from this Platform Agreement, and which will be incorporated by reference and form a part of this Platform Agreement.

We do not guarantee that each of the Services will always be offered to you, that they will be available to you, or that you will qualify or be able to utilize any particular Service. Services will change from time to time, and certain Services may be discontinued or others may be added.

2.8 Notices and Communication

We will provide Notices regarding certain activity and alerts to your dash.fi Account electronically through your dash.fi Account, email, push notification, or via text or SMS to the contact information provided to us by Administrators and Users.

Notices regarding payments, legal terms, and any other important Notices related to your Company’s dash.fi Account will be sent to certain Administrators through your dash.fi Account or email and are considered received 24 hours after they are sent. You understand that you may not use the Services unless you consent to receive Notices electronically. You may only withdraw consent to receive Notices electronically by closing your dash.fi Account.

We may send Notices to Users’ mobile phones through push notifications, text or SMS messages to the mobile phone numbers provided to us by Administrators or Users. These Notices may include alerts about Services or transactions, and may allow Administrators and Users to respond with information about transactions or Company’s dash.fi Account. You authorize Users to take any available actions, subject to limitations based on permissions and authorization. Users may elect to not receive certain Notices via text or SMS, but this will limit the use of certain Services and may increase the financial risks to Company including losses caused by lost or stolen Credentials.

We may send text or SMS messages to Users in connection with use of Credentials (such as through multi-factor authorization), to allow us to verify their identity, to provide other information about your dash.fi Account or in connection with Programs, and for other purposes that we identify and that are available through your dash.fi Account.

Administrators and Users are required to maintain updated web browsers, computers, and mobile device operating systems to receive Notices correctly. Administrators and Users are responsible for all costs imposed by their respective Internet or mobile service providers for sending or receiving Notices electronically.

Contact us immediately if you are or believe you are having problems receiving Notices.

2.9 Updates to Company Information

PROVIDING INFORMATION

You will keep Company Data and each User’s Personal Data current, complete, and accurate in your dash.fi Account at all times whether we provide you with full or provisional access.

At any time during the term of this Platform Agreement and your use of the Services, we may require additional information from you, including Company Data (such as copies of government-issued identification, business licenses, or other information related to your business) and Personal Data (such as copies of government-issued personal identification and proof of address) to verify Beneficial Owners or Control Persons, validate information you provided, verify the identity of Administrators or Users, and assess Company’s financial condition and business risks.

NOTIFICATION OF CORPORATE AND BUSINESS CHANGES

Company must be duly organized and in good standing under the laws of its jurisdiction of organization throughout the term of this Platform Agreement.

You will promptly notify us in writing if any of the following occur:

• The nature of your business changes significantly
• There is any change of Beneficial Owners or Control Persons
• There is any material change in the control or ownership of your business (whether direct or indirect) or you transfer or sell 25% or more of your total assets
• There is any planned or anticipated liquidation, or voluntary bankruptcy or insolvency proceeding
• You are the subject of an inquiry, proceeding, investigation, or enforcement action promulgated by any regulatory authority
• You are party to a litigation in which claims are asserted that would, if sustained in a legal proceeding or alternative dispute resolution forum, result in a material impact to Company’s financial condition
• You receive a judgment, writ or warrant of attachment or execution, lien, or levy against 25% or more of your total assets
• You begin engaging in any of the Prohibited Activities or Restricted Activities

2.10 dash.fi Property and Licenses

dash.fi and licensors own all dash.fi Property. Company, Administrators, and Users may use dash.fi Property only as and for the purposes provided in this Platform Agreement and the Program Terms. You may not modify, reverse engineer, create derivative works from, or disassemble dash.fi Property or register, attempt to register, or claim ownership in dash.fi Property or portions of dash.fi Property.

dash.fi grants you a nonexclusive and nontransferable license to use dash.fi Property as provided through the Services and as permitted by this Platform Agreement. This license terminates upon termination of this Platform Agreement unless terminated earlier by us.

We will not share any Company Data with third parties for marketing unaffiliated products without your consent, but may use Company Data to identify Services, Third-Party Services, and programs that we believe may be of interest to you, including as part of a rewards or benefits program. dash.fi may include De-Identified Data in both public and private reports.

You grant dash.fi a worldwide, irrevocable license to use, modify, distribute, copy, and create derivative works from Company Data for the purposes identified in this Platform Agreement.

2.11 Identification as Customer

We may publicly reference you as a dash.fi customer on our website or in other communications during the term of this Platform Agreement. We will not express any false endorsement or partnerships. You grant dash.fi a limited license to use Company trademarks or service marks for this purpose. Please notify us if you prefer that we not identify you as a dash.fi customer, and we will remove references to you on our website or in other communications.

2.12 Beta Services and Feedback

We sometimes release Beta Services in order to test new products, features, and programs, and we may make these Beta Services available to you to get your Feedback. We may change or discontinue Beta Services at any time. Beta Services are confidential until we publicly announce the products, features, or programs, and if you use Beta Services, you agree to keep information about the Beta Services confidential. Any Beta Services are provided to you AS IS and without warranty. We may use any Feedback about the Services or Beta Services freely and without restriction. Except where specifically notified by us, we will not compensate or credit you for Feedback you provide to us.

2.13 Content

Information provided on our website and in other communications from us is for informational purposes only. We believe it to be reliable, but it may not always be entirely accurate, complete or current. We may change or update information from time to time without Notice. You should verify all information on our website and in other communications from us before relying on it. You are solely responsible for all of your decisions based on information provided on our website and in other communications from us, and we have no liability for such decisions.

Information we provide on our website and in other communications to you may contain third-party content or links to third-party sites and applications. We do not control any such third-party content, sites, or applications, and we are not responsible or liable for the availability, accuracy, completeness, or reliability of third-party content or for damages, losses, failures, or problems caused by, related to, or arising from such third-party content or the products or practices of third parties.

2.14 Assignment

You may not transfer or assign (by operation of law or otherwise) this Platform Agreement or any of your rights or obligations hereunder, or operation of your dash.fi Account, without our prior express written consent. If you wish to make such a transfer or assignment, or the ownership of Company is changing, you must give us prior written notice. If we consent to such a transfer or assignment, the assignee or successor must assume all of Company’s rights, obligations, and liabilities under this Platform Agreement and your relationship with us, and will be bound by all the terms of this Platform Agreement. dash.fi may assign, pledge, or otherwise transfer this Platform Agreement or any of its rights and powers under this Platform Agreement without restriction and without providing Notice to you. Any such assignee or successor will have all rights as though originally named in this Platform Agreement instead of dash.fi.

2.15 Term and Termination

This Platform Agreement is effective when you start an application for a dash.fi Account and continues until terminated by either you or us, in accordance with the Program Terms or as set forth in this Platform Agreement.

You may terminate this Platform Agreement by ceasing to use the Services, paying all amounts owed, and providing notice to us. We may decline to close your dash.fi Account if you have a negative balance in respect of any Service, if any funds that we are holding on your behalf are subject to a hold, lien or other restriction, or if we believe that the dash.fi Account is being closed to evade any legal or regulatory requirement or investigation.

dash.fi may terminate this Platform Agreement and terminate access to your dash.fi Account or the Services at any time and for any reason by providing you Notice. If we believe you violated this Platform Agreement or the applicable Program Terms, or if required by one of our Program Partners or by law, we may terminate access to your dash.fi Account without prior Notice.

You are responsible for all Charges, Fees, Fines, and other losses caused by your action or inaction prior to termination, and for any costs we may incur in the process of closing your dash.fi Account upon termination by you or us.

In the event that this Platform Agreement is terminated, except as expressly provided herein, the applicable Program Terms will immediately terminate (other than sections that survive termination).

If you reapply or reopen your dash.fi Account or use or attempt to use any of the Services, you are consenting to the Platform Agreement in effect at that time.

Sections 1.4 (Data and Privacy), 2.2 (Responsibility for Use), 2.3 (Access), 2.4 (Transactions and Activities), 2.8 (Notices and Communication), 2.12 (Beta Services and Feedback), 2.14 (Assignment), 2.15 (Term and Termination), 3.1 (Limitation of Liability), 3.2 (Disclaimer of Warranties by dash.fi), 3.3 (Indemnification), 3.4 (Governing Law and Venue), 3.5 (Binding Arbitration), and 3.6 (Legal Process) together with the provisions of the Program Terms that identify continuing obligations, and all other provisions of this Platform Agreement or the agreements, terms, and policies incorporated herein giving rise to continuing obligations of the parties, will survive termination of this Platform Agreement.