Terms & Conditions

Terms & conditions

Terms and Conditions

^{Valid as of OCT 8, 2024}

This User Agreement (“Agreement”) is a contract between you and GCG Bank, LLC. (“Company”) and applies to your use of GCG Bank products and services and any other GCG Bank features, technologies, and/or functionalities offered by the Company on our website, in the GCG Bank app, or through any other means (the “GCG Bank Services”). The GCG Bank Services are provided to you subject to this Agreement as well as our Privacy Policy (“Privacy Policy”) which is available at Privacy Policy and is incorporated in this Agreement by this reference

1. THIRD     PARTY AGREEMENTS‍

You acknowledge and agree that this Agreement is between you and Company, not with any third party (including, but not limited to, Apple®, Google®, or any mobile carrier), and that Company is solely responsible for the GCG Bank Services. Your use of the GCG Bank Services may be subject to separate agreements you may enter into with your mobile device operating system provider (e.g., Apple, Google or Microsoft®), your mobile device manufacturer (e.g., Apple, Samsung®), your mobile service carrier (e.g., AT&T® or Verizon®), and other parties involved in providing your mobile device service. Third party operating system providers such as Apple, Google, and Microsoft, your phone or other mobile device manufacturer, your wireless carrier or other network provider, any other product or service provider related to your mobile device service are collectively referred to as “Covered Third Parties.” You agree to comply with all applicable third party terms of agreement when using the GCG Bank Services. Company is not a party to those agreements and has no responsibility for the products and services provided by third parties. Please note that Company has opened its GCG Bank application programming interface (“API”), so you may be subject to agreements with third parties when using a service that was not created by Company. Company has no liability or responsibility for your use of these third-party services.

GCG BANK SERVICE TERMS

1. Terms for Metti Bank Services

GCG Bank Digital Codes/Credit Disclaimer – GCG Bank is not a financial institution, Money Service Bureau (MSB), nor is it a licensed provider of money transfer services. GCG Bank is a “Digital Top Up Service Provider” that allows its users to purchase GCG Bank pre-paid digital codes/credits, which can only be used, spent, and/or redeemed as store credits to conduct transactions within GCG Bank’s closed-loop network only.

As part of GCG Bank’s refund policy, you, the user, have the right to a refund of any unused GCG Bank codes/credits you may have purchased. You agree and acknowledge that your unused GCG Bank codes/credits can only be refunded on a pre-paid debit card issued by GCG Bank or one of GCG Bank’s affiliated in-app partners only. A service fee of $2.99 will be charged as part of GCG Bank’s refund policy.

GCG Bank is the owner/operator of a software technology that allows its users to purchase GCG Bank’s digital codes/credits to trade within GCG Bank’s closed-loop marketplace only, and communicates user instructions to its peers, vendors, and financial institutions.

All digital cash code equivalent credits associated with an account are held as store credits in a GCG Bank pooled escrow account with its financial institution. These digital cash code credits are not eligible for individual insurance, including FDIC insurance, and are not eligible for share insurance by the National Credit Union Share Insurance Fund.

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IMPORTANT INFORMATION FOR OPENING A GCG BANK ACCOUNT: 

Although GCG Bank is not a money transmitter service or a financial institution, we are aware that certain users (bad actors) may attempt to misuse GCG Bank’s Codes/Credits for illicit purposes. To help combat terrorism financing and comply with anti-money laundering (AML) regulations, GCG Bank maintains a comprehensive anti-money laundering compliance program. This includes maintaining transaction records and reporting suspicious activities.

As part of our compliance policy, we adhere to the USA PATRIOT Act, which requires us to obtain, verify, and record information that identifies each person who opens a GCG Bank Account.

WHAT THIS MEANS FOR YOU:

When you open a GCG Bank Account, we will ask for your name, address, date of birth, and government ID number. We may also request to see your driver’s license or other identifying information. GCG Bank activation and identity verification are required before you can use your GCG Bank Account. If your identity is partially verified, your account use will be restricted. You may be able to conduct certain transactions, but restrictions will apply, such as:

• No card issuance
• No international transactions
• Limited loads

The use of the GCG Bank Account is also subject to fraud prevention measures, which may be implemented at any time, with or without notice.

See disclosures in site footer for additional information and for disclosures that Company is required to post by certain jurisdictions. Company has no responsibility for the actions of your transfer recipient or for the subject of the transfer. We do not guarantee the identity of any user of the GCG Bank Services or that a sender or a recipient can or will complete a transaction.

Eligibility and Account Registration

To be eligible to use the GCG Bank Services, you must create and have a valid GCG Bank account, be 18 years or older, and create an account with a cellular/wireless telephone number that you own. You may also initiate account registration by connecting with your Facebook® account; however, we will still need additional information to create your account.

As further detailed in our Privacy Policy, in order to register, create, and use an account, GCG Bank may require that you submit certain Personal Information (as defined in the Privacy Policy), including but not limited to your name, email address, text-enabled cellular/wireless telephone number, street address or zip code, date of birth, and social security number to GCG Bank. During the registration process, or when you access the GCG Bank Services from a phone, your phone’s device ID is also stored.

You agree that the Personal Information you provide to GCG Bank upon registration and at all other times will be true, accurate, current, and complete, and you agree to maintain and update this Personal Information with us as necessary.

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GCG Bank Account Types and Usage

At GCG Bank, we offer two types of accounts: personal accounts and business accounts. Below are the guidelines for each account type and their respective usage policies:

Personal Accounts

You may have only one personal account. Personal accounts are intended for person-to-person transfers with friends, family, and other individuals you know. They can also be used to make Authorized Merchant Payments as described in this agreement. Some features of personal accounts may be limited depending on how you wish to use GCG Bank Services, the amount you need to send or spend, and what we know about you.

We may request additional information from you to complete certain transactions. Personal accounts are strictly for personal use and may not be used to receive business, commercial, or merchant transactions.

Business Accounts

For each business you are involved with, you may have only one business account. Business accounts come with specific usage limitations and must be applied for and explicitly authorized by GCG Bank. By opening a business account and accepting the terms outlined in this agreement, including but not limited to the Rules and Restrictions for Business Accounts, you confirm that neither you nor your business is opening this account primarily for personal, family, or household purposes.

GCG Bank reserves the right to reverse transactions, place holds, or reserve funds if you breach this agreement, including, but not limited to, using a personal account for business purposes or a business account for personal, family, or household purposes.

1.Identity Authentication

You hereby authorize Company, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and account information and,for business accounts, your company or employer. This may include asking you for further information and/or documentation about your account usage oridentity, or requiring you to take steps to confirm ownership of your email address, wireless/cellular telephone number or financial instruments, and verifying your information against third party databases or through other sources. This process is for internal verification purposes.

1. Transaction History

You have the right to receive an account statement. You may view your account statement by logging into your GCG Bank account.

Errors or Questions about Transactions

Please contact us by emailing us at info@gcgbank.com (1) if you believe a transaction receipt or a statement is wrong, or (2) if you need more information about a transaction on the receipt or statement. For consumer accounts, we must hear from you no later than sixty (60) days after we sent you the first statement on which the error or problem appeared. For business accounts, we must hear from you within one (1) business day of us sending you a receipt.

Your inquiry must include:

• (x) your name, email associated with your account, and your account number (if available);
• (y) a description of the error or the transaction you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; and
• (z) the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your inquiry via email within ten (10) business days.

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1. Sending GCG Bank
2. Sending Limits

We may, at our discretion, impose limits on the number oftransactions you conduct through the Metti Bank Services. Please see our Fee Sheet for more details onlimits. If we have authenticated your identity, we may increase yourtransaction limits. These limits may change from time to time in Company’s solediscretion. You may not send Metti Bank to your own account.

1. Default Load Sources

We may, at our discretion, impose limits on the number of transactions you conduct through the GCG Bank Services. Please see our Fee Sheet for more details on limits. If we have authenticated your identity, we may increase your transaction limits. These limits may change from time to time at the Company’s sole discretion. You may not send GCG Bank to your own account.

Default Load Sources

Your GCG Bank balance consists of the digital credits you have in your GCG Bank account that are available for new transactions and are not subject to pending transactions. When you make a payment through the GCG Bank Services, we first see if your GCG Bank balance can cover the transaction.

You may also be able to fund your GCG Bank with a bank account, debit card, or credit card, designating one of these to be your primary funding source. We always use your GCG Bank balance first if the balance is sufficient to cover your payment. If there is not enough GCG Bank available in your GCG Bank balance to cover the transaction, we use your designated primary funding source to make the payment in its entirety. This funding source may differ depending on the type of payment you are making.

If you don’t want to use your balance, you can withdraw it at any time. If your balance is not used within 30 days, we may remind you to withdraw funds or return the funds to your attached bank account.

iii. Funding Source Limitations

In order to manage risk, Company may limit thefunding sources available for your use to fund any particular transaction. Forexample, we may limit your funding sources for a particular transaction todebit cards or your checking account.

Please note that the various funding sources have differentdispute resolution rights and procedures in the event your transaction turnsout to be unsatisfactory. Your dispute resolution rights are determined by thefunding source used to fund your transaction. Please see our FAQ Help Center for moredetails

1. Bank Transfers

When your checking account is used as your funding source, you are requesting that we initiate on your behalf an electronic transfer from your bank account. For these transactions, Company will make electronic transfers (via the Automated Clearing House (“ACH”) of NACHA – The Electronic Payment Association (“NACHA”)) from your bank account in the amount you specify. You agree that such requests constitute your authorization to Company to make the ACH transfer, and once you have provided your authorization for the transfer, you will not be able to cancel the electronic transfer and Company may re submit any ACH debit you authorized that is returned for insufficient or uncollected funds, except as otherwise provided by NACHA’s ACH rules (collectively, the “ACH Rules”), or applicable law.

ACH Authorization for Transactions​:

Single Transaction Authorization: “I authorize GCG Bank to debit the account indicated for the amount noted on today’s date. Iwill not dispute GCG Bank debiting my account, so long as the transaction corresponds to the terms in this online form and my agreement with GCG Bank.”

ACH Recurring Transaction Authorizations: “I authorize GCG Bank to debit the account indicated for the recurring transactions according to the online form and my agreement with GCG Bank. I will not dispute GCG Bank so long as the transactions correspond to such terms. This payment authorization is valid and will remain effective unless I cancel this authorization bye mailing GCG Bank at info@GCG bank.com at least 3 business days in advance.”

1. Refused and Refunded Transactions

When you send money, the recipient is not required to accept it. You agree that you will not hold GCG Bank liable for any damages resulting from a recipient’s decision not to accept a payment made through the GCG Bank Services. If a recipient of funds is not a GCG Bank user and does not register for the GCG Bank Services, GCG Bank will return your funds in 30 days. If the recipient does not register, set up an email address or mobile number, and accept the transfer within 30 days, the transaction will be canceled. During this period, a hold will be placed on your account for the amount of the transfer and the applicable fee, if any. Once the recipient has successfully registered as a GCG Bank user, transfers will automatically be debited from your account and credited to the recipient’s account. We will return any unclaimed, refunded, or denied payment within 30 days of the date you initiate the payment. If a payment is unclaimed, denied, or refunded for any reason, we will return the funds to your balance or to the original funding source.

1. Debit Card Processing

Company will process your debit card-funded transactions through either the debit card’s ATM debit network or theVisa/MasterCard network, as Company may elect at its discretion.

vii. Credit Card Information

If your credit card account number changes or your credit card expiration date changes, we may acquire that information from our financial services partner and update your account accordingly.

Fees for Sending GCG Bank Services

You may use the GCG Bank Services for a fee. Fees are debited from your GCG Bank balance, bank account, or debit card. Please see here for more information on fees. These fees may change from time to time at the Company’s sole discretion. You may be subject to third-party fees, such as insufficient fund fees, reversal fees, or ACH insufficient fund fees that a bank may charge if your payment is rejected.

Payment Investigation

Payment investigation is a process by which the Company reviews certain potentially high-risk transactions. If a payment is subject to a payment investigation, the Company will place a hold on the payment and may provide notice to the recipient. The Company will conduct a review and either clear or cancel the payment. If the payment is cleared, the Company will provide notice to the recipient. Otherwise, the Company will cancel the payment, and the funds will be returned. The Company will provide notice to you by email and/or in the account history tab of your GCG Bank account if the payment is canceled.

1. Risk of Reversals, Chargebacks, and Claims

1. When you receive a payment, you are liable to GCG Bank for the full amount of the payment plus any fees if the payment is later invalidated for any reason. This means that, in addition to any other liability, you will be responsible for the amount of the payment, plus applicable fees if you lose a claim or a chargeback, or if there is a reversal of the payment.
2. If a sender of a payment later disputes the payment or files a claim for a chargeback, the debit or credit card issuer or the originating bank, not GCG Bank, will determine whether the dispute is valid and to whom payment is due. You agree to allow GCG Bank to recover any amounts due to GCG Bank by debiting your balance. If there are insufficient funds in your balance to cover your liability, you agree to reimburse GCG Bank through other means. If GCG Bank is unable to recover the funds from your primary funding source, GCG Bank may attempt to contact you, recover the funds from your alternate funding sources, or take other legal actions to collect the amount due, to the extent allowed by applicable .

1. Account Balances
2. Balances

You do not need to maintain a balance in your account in order to make payments. If you do hold a balance, GCG Bank will hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes, and will not voluntarily make your funds available to its creditors in the event of bankruptcy. While your funds are in our custody, GCG Bank will combine your funds with the funds of other users and place those pooled accounts in one or more bank accounts in GCG Bank’s name.

GCG Bank is not a bank or other chartered depository institution. Funds held by GCG Bank or its service providers (including any bank service providers) in connection with the processing of transactions are not deposit obligations and are not insured for the benefit of the user by the Federal Deposit Insurance Corporation or any other governmental agency. Funds held in balance are an ancillary function of enabling GCG Bank transmission and not for other benefit.

1. Authority of Officers and Employees
2. If you are a business entity, you agree that all officers, employees, agents, representatives, and others having access to the username and/or password shall be vested by you with the authority to use the GCG Bank Services and to legally bind you. You shall be responsible for all actions by current and former officers, employees, agents, representatives, and others, regardless of whether authorized by you, that access the GCG Bank Services using your username and password. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED, OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH PASSWORD, AND TO ACT ON SUCH INSTRUCTIONS.You agree that you will not receive interest or other earnings on the funds that Company handles and places in pooled accounts. Company does not typically receive interest on funds held for its users. However, in consideration for your use of the service, you irrevocably transfer and assign to Company any ownership right that you may have in any interest that may accrue on funds held in pooled accounts. This assignment applies only to interest earned on your funds, and nothing in this Agreement grants Company any ownership right to the principal of the funds you maintain with Company.
3. iii. Negative Balances
4. If the balance in your account is negative for any reason, Company may set off the negative balance by deducting amounts you owe Company from GCG Bank transfers you receive into your account, or GCG Bank funds you attempt to withdraw or send from your account. You agree to allow Company to recover any amounts due to Company by debiting your balance. If there are insufficient funds in your balance to cover your liability, you agree to reimburse Company through other means. If Company is unable to recover the funds from your primary funding source, Company may attempt to contact you, recover the funds from your alternate funding sources, or take other legal actions to collect the amount due, to the extent allowed by applicable law.

1. Setoff of Past Due Amounts
2. If you have a negative balance or any other past due amount with GCG Bank, we may attempt to recover the amount from your primary funding source. If GCG Bank is unable to recover the funds from your primary funding source, we may contact you. We may also attempt to recover the funds from your alternate funding sources or pursue other legal actions to collect any amounts that are more than 14 days past due, as permitted by applicable law.
3. Security Interest
4. To ensure your performance of this Agreement, you hereby grant GCG Bank a lien on and security interest in your account and agree to execute any further documentation necessary to perfect these rights for GCG Bank.
5. Withdrawing from GCG Bank
6. How to Withdraw from GCG Bank:

YYou may withdraw funds from your GCG Bank account by electronically transferring them to your GCG Bank Issued Debit Card account. We may provide limited withdrawals to your bank depending on what product is enabled and approved on your account. GCG Bank does offer the ability to access funds via ATM or at retail locations.

Withdrawal Limits

Please see our Help Center here for more details on limits, including any applicable withdrawal limits. We reserve the right to delay withdrawals while we screen for risk, or request that you provide additional information to verify your identity. We may limit the amount you can withdraw until the information is verified.

Transfers to Your Linked Financial Institution Accounts

When you transfer funds from your GCG Bank balance to your linked financial institution account(s), the ACH Rules will govern the transfer.

Closing Your Account

How to Close Your Account

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As long as there are no pending or in-progress transactions, you may close your account at any time. You may close your account by logging into your account from a web browser, clicking on the “Settings” tab, clicking on the “Cancel my GCG Bank Account” link, and then following the instructions; however, you must withdraw your balance prior to closing your account. Closing your account will cancel the GCG Bank Card associated with your account, if any.

Limitations on Closing Your Account

You may not close your account to evade a payment investigation. If you attempt to close your account while we are conducting an investigation, we may hold your funds for up to 180 days to protect GCG Bank or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties, and other liability. You will remain liable for all obligations related to your account even after the account is closed.

Item Hold

GCG Bank, in its sole discretion, may place a hold on a payment you receive for a transaction when GCG Bank believes there may be a high level of risk associated with the transaction. If GCG Bank places a hold on your payment, it will show as “pending” in your GCG Bank account.

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1. Item Hold

1. GCG Bank, in its sole discretion, may place a hold on a payment you receive for a transaction when GCG Bank believes there may be a high level of risk associated with the transaction. If GCG Bank places a hold on your payment, it will show as “pending” in your GCG Bank account.
2. Release of Item Hold
3. GCG Bank will release the payment hold after 21 days unless we receive a dispute, claim, chargeback, or reversal on the transaction subject to the hold. GCG Bank may release the hold earlier if the sender of funds provides us confirmation, GCG Bank is able to confirm proper delivery, or GCG Bank otherwise completes its investigation.
4. Additional Hold Period
5. If you receive a dispute, claim, chargeback, or reversal on the transaction subject to the item hold, GCG Bank may hold the payment in your account until the matter is resolved pursuant to this Agreement.

1. Item Hold

1. GCG Bank, in its sole discretion, may place a hold on a payment you receive for a transaction when GCG Bank believes there may be a high level of risk associated with the transaction. If GCG Bank places a hold on your payment, it will show as “pending” in your GCG Bank account.
2. Release of Item Hold
3. GCG Bank will release the payment hold after 21 days unless we receive a dispute, claim, chargeback, or reversal on the transaction subject to the hold. GCG Bank may release the hold earlier if the sender of funds provides us confirmation, GCG Bank is able to confirm proper delivery, or GCG Bank otherwise completes its investigation.
4. Additional Hold Period
5. If you receive a dispute, claim, chargeback, or reversal on the transaction subject to the item hold, GCG Bank may hold the payment in your account until the matter is resolved pursuant to this Agreement.

1. GCG Bank Rules and Restrictions for Personal Accounts

1. The following Rules and Restrictions for personal accounts apply to your use of a personal account under this Agreement.
2. 1. Receiving Money via GCG Bank
3. Please refer to our Help Center [here] for more details on limits, including limits on receiving and sending money. These limits may change from time to time at GCG Bank's sole discretion.
4. 2. Transaction Fees for Receiving Money via GCG Bank
5. Please see [here] for more details on fees. These fees may change from time to time at GCG Bank’s sole discretion.
6. 3. Error in Receiving Money via GCG Bank
7. In the event of an error, you give GCG Bank permission, subject to compliance with applicable law, to make appropriate corrections by debiting or crediting your GCG Bank balance, or debiting or crediting your primary or alternate funding sources as applicable.
8. For any inquiries or further clarification, please visit our Help Center or contact GCG Bank support directly.

1. Account     Errors

If your account history shows transfers you did not make, follow the procedures outlined in Section D.11 of this Agreement.

1. Rules and Restrictions for Business Accounts

The following Rules and Restrictions for Business Accounts apply to your use of a business account under this Agreement.

1. funds you can receive using the GCG Bank Services. There are limits on the amount you may send using GCG Bank Services. There are also limits on the amount you can withdraw. Please see our Help Center [here] for more details on limits, including limits on receiving and sending money. These limits may change from time to time at the Company’s sole discretion, and the requirements to lift those limits may vary based on product usage.

1. Error in Receiving GCG Bank
   In the event of an error, you give the Company permission, subject to the Company’s compliance with applicable law, to make appropriate corrections by debiting or crediting your GCG Bank balance, or debiting or crediting your primary or alternate funding sources as applicable.

iii.  Credit Authorization

If you open a business account, you are providing us with written instructions and authorization in accordance with the Fair Credit Reporting Act to obtain your personal and/or business credit report from a credit bureau. You are also authorizing us to obtain your personal and/or business credit report: (a) when you upgrade your personal account to a business account, or at any time we reasonably believe there may be an increased level of risk associated with your account. An increased level of risk includes, but is not limited to, a high number of chargebacks or reversals, or suspicious activity associated with your account.

Representations

If you are a business entity, you represent that you are duly authorized to do business in the United States; and your employees, officers, representatives, and other agents accessing the GCG Bank Services are duly authorized to access the GCG Bank Services and to legally bind you to this User Agreement and all transactions conducted under your username and password.

1. Authority     of Officers and Employees

You are a business entity, and you agree that all officers, employees, agents, representatives, and others having access to the username and/or password shall be vested by you with the authority to use the GCG Bank Services and to legally bind you. You shall be responsible for all actions by current and former officers, employees, agents, representatives, and others, regardless of whether authorized by you, that access the GCG Bank Services using your username and password. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED, OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. We shall be entitled to rely on the genuineness and authority of all instructions received by us when accompanied by such password, and to act on such instructions.

1. Authorized Merchant Payments

Subject to the terms of this Agreement, you may use your GCG Bank account to pay for goods or services only via certain mobile websites or applications offered by merchants that have been approved by the Company to offer GCG Bank as a payment option (such payments being “Authorized Merchant Payments”). If available, the option to pay using your GCG Bank account will appear on an approved merchant’s mobile site or in its app as a GCG Bank-branded payment button offered during the checkout process or, in some cases, may appear if you first select GCG Bank as your payment method on the merchant’s mobile site. Payments sent via the GCG Bank app or GCGBank.com to another GCG Bank user do not qualify as Authorized Merchant Payments. Similarly, if you are charged via the GCG Bank app or GCGBank.com and accept the charge, this is not an Authorized Merchant Payment. If the option to pay using your GCG Bank account appears after you first select GCG Bank as your payment method on the merchant’s mobile site, those transactions are governed by the GCG Bank User Agreement, GCG Bank Privacy Policy, and other GCG Bank-specific terms and conditions, rather than GCG Bank’s terms and conditions.

1. Fees for Authorized Merchant Payments

While you are responsible for the amount of any Authorized Merchant Payment, the Company will not charge you any fees for using your GCG Bank account to complete an Authorized Merchant Payment, regardless of how the payment was funded. The Company may elect to implement and alter Authorized Merchant Payment fees from time to time in its sole discretion. You may be subject to third-party fees, including, without limitation, insufficient fund fees, reversal fees, or ACH insufficient fund fees that a bank may charge if your Authorized Merchant Payment transaction is rejected.

Funding Authorized Merchant Payments

Your GCG Bank account balance will be used to make Authorized Merchant Payments when the balance is sufficient to cover the entire payment amount. If your balance is not sufficient to cover the entire payment amount, your default backup payment method will be used to fund the entire payment amount instead. Authorized Merchant Payments will not be split between your GCG Bank account balance and a backup payment method. You will be asked to select a default backup payment method at the time you enable Authorized Merchant Payments. You may decline to select a default backup payment method. If your balance is insufficient to cover an Authorized Merchant Payment and you have not selected a default backup payment method, or if your backup payment method is invalid or insufficient, your transaction will be declined. You can set or change your default payment method for Authorized Merchant Payments in the Banks & Cards section of your GCG Bank account settings.

iii .Linking Your GCG Bank Account to an Authorized Merchant

.When you use GCG Bank to make an Authorized Merchant Payment, you may be given the option to link your GCG Bank account to the merchant (and if you choose, to set it as the default payment method for that merchant). Use caution when linking your GCG Bank account to a merchant. Once linked, that merchant will have the ability to charge your linked GCG Bank account for future purchases in accordance with your agreement with the merchant.

By linking your GCG Bank account to a merchant or otherwise using GCG Bank to make an Authorized Merchant Payment, you authorize the Company to facilitate Authorized Merchant Payments using (i) your GCG Bank account balance (when sufficient to cover the entire payment) and (ii) your default backup payment method (when your GCG Bank account balance is not sufficient to cover the entire payment).

When you link your GCG Bank account to a merchant, you authorize the merchant to charge your GCG Bank account balance (and your default backup payment method when your balance is insufficient to cover the transaction amount) for all Authorized Merchant Payments made with that merchant, in accordance with your agreement with the merchant. If you no longer wish to have your GCG Bank account linked to a merchant (for example, you no longer wish to make purchases at a particular merchant, or you are concerned that someone may have unauthorized access to your GCG Bank account), you can disconnect your GCG Bank account from that merchant in the Connected Merchants section of your account settings via the GCG Bank mobile app. If you disconnect your GCG Bank account from a merchant, you may still owe the merchant for the purchase or have additional obligations to the merchant for any goods or services that you receive but have not paid for. Once disconnected from a merchant, you will not be able to conduct Authorized Merchant Payments with that merchant unless you re-link your GCG Bank account to that merchant.

1. Logins and Security

Depending on the merchant, once you’ve connected your GCG Bank account, you may be asked to log into GCG Bank and/or to provide your Touch ID or PIN (if enabled) before you will be able to complete a purchase. To enable Touch ID or PIN on iOS, go to Settings > Touch ID & PIN. To enable PIN on Android, go to Settings > Security Settings.

Authorized Merchant Payment Limits

We impose limits on the total amount of Authorized Merchant Payments you can make using your GCG Bank account. Please see our Help Center here for more details on limits. These limits may change from time to time at the Company’s sole discretion.

Sharing Authorized Merchant Payments

Authorized Merchant Payments will not be shared with others on your GCG Bank social feed unless you choose to share. If you elect to share an Authorized Merchant Payment and your default audience setting is public or friends, that setting will control who sees the payment. If you elect to share an Authorized Merchant Payment and your default audience setting is private, the payment will be shared with your GCG Bank friends. You can change your default audience setting in the privacy section of your GCG Bank account settings. You can change the audience setting for any Authorized Merchant Payment you have already shared by selecting it from your GCG Bank social feed and changing the audience setting.

vii. Payment Authorizations and Processing Delays

When you make an Authorized Merchant Payment, you are providing the merchant with an authorization to process your payment. Your payment will be held as pending until the merchant processes it, which may not occur immediately depending on the merchant. In such cases, your authorization will remain valid for up to thirty (30) days, and we may place a temporary hold on the funds in your GCG Bank account for the payment amount.

In addition, for payments to certain merchants, we or the merchant may request an authorization for what is estimated to be the final payment amount. This estimate may exceed the actual payment amount. For example, a merchant may request an authorization for an estimated service fee and for a tip, and that estimate may be higher than what you ultimately pay. In such cases, we may place a temporary hold on the funds in your GCG Bank account for the estimated payment amount. We will release any temporarily held funds that exceed the actual payment amount within thirty (30) days of the payment. Until released, the funds subject to any hold will not be available to you.

viii. Authorized Merchant Payment Protection

IMPORTANT: ONLY QUALIFYING AUTHORIZED MERCHANT PAYMENTS WILL BE ELIGIBLE FOR AUTHORIZED MERCHANT PAYMENT PROTECTION. THIS PROTECTION DOES NOT APPLY TO ANY OTHER TRANSACTION CONDUCTED USING GCG BANK. FOR EXAMPLE, AUTHORIZED MERCHANT PAYMENT PROTECTION WOULD NOT APPLY TO ANY PAYMENT YOU MAKE (OR CHARGE YOU ACCEPT) USING THE GCG BANK APP OR GCG BANK WEBSITE, REGARDLESS OF THE NATURE OF THE PAYMENT (OR CHARGE) OR THE RECIPIENT (OR REQUESTOR). GCG BANK PURCHASE PROTECTION DOES NOT APPLY TO AUTHORIZED MERCHANT PAYMENTS.

When you make an Authorized Merchant Payment, you may be covered by the Authorized Merchant Payment Protection program. When applicable, Authorized Merchant Payment Protection entitles you to reimbursement for the full purchase price of the item purchased plus the original shipping costs you paid, if any. When you submit a claim, GCG Bank determines, in its sole discretion, whether the claim qualifies for Authorized Merchant Payment Protection using the eligibility guidelines below. GCG Bank’s determination is considered final, but you may be able to appeal the decision if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process. You may be required to return the item to the authorized merchant or other party specified by GCG Bank as part of the settlement of the claim. Authorized Merchant Payment Protection does not entitle you to reimbursement for return shipping costs that may be incurred.

Authorized Merchant Payment Protection may apply when you encounter these specific problems with an eligible Authorized Merchant Payment transaction:

• INR (“Item Not Received”): You didn’t receive the item     from the authorized merchant
• SNAD     (“Significantly Not as Described”): You received item, but the item     differs significantly from what you ordered.

Note that these claims are different thanUnauthorized or Error claims, which are handled according to Section D.11 of this Agreement.

Eligibility

You must meet all of the following requirements in order to be eligible for protection:

• The transaction must qualify as an Authorized Merchant     Payment.
• The Authorized Merchant Payment was made to purchase an     eligible item.
• You have previously attempted to resolve the issue     directly with the merchant.
• Have a Metti Bank account in good standing.
• Respond to requests for documentation and other     information in a timely manner.
• File a dispute with Company within 180 days of the date     the Authorized Merchant Payment was made.
• You     have not received reimbursement related to the purchase from another     source.

Ineligible Items

Only Authorized Merchant Payments are eligible for protection. The following payment, claim and transaction types are,however, not eligible for protection under any circumstances:

• Any payment made using GCG Bank that does not qualify     as an Authorized Merchant Payment (including, without limitation, any     payment you make or charge you accept using the GCG Bank app or GCG  Bank.com).
• Real estate, including residential property.
• Buying or investing in a business.
• Investments in gold or financial products.
• Donation payments.
• Vehicles, including, but not limited to, motor     vehicles, motorcycles, caravans, aircraft and boats.
• Significantly Not As Described claims for custom-made     items.
• Payments on crowdfunding platforms.
• Items or transaction types prohibited in this     Agreement.
• For Item Not Received claims, items which you collect     in person or arrange to be collected on your behalf, including items     bought in an authorized merchant’s store location.
• Industrial machinery used in manufacturing.
• Anything purchased from, or an amount paid to, a     government agency.
• Stored value items such as gift cards and prepaid     cards.
• Gambling,     gaming and/or any other activity with an entry fee and a prize.

Even if your purchase is not eligible for Authorized Merchant Payment Protection, you can try to resolve the issue directly with the authorized merchant.

INR (Item Not Received) Claims

Your claim will not qualify for Authorized Merchant Payment Protection if:

• You collect the item in person, or arrange for it to be     collected on your behalf, including purchases made at an authorized     merchant’s store location.
• Company     has adequate proof from the authorized merchant indicating that the item     was delivered or order was fulfilled.

If the merchant presents evidence that they delivered the goods to your address, Company may find in favor of the merchant even if you did not receive the goods.

SNAD (Significantly Not as Described) Claims

In order to qualify for Authorized Merchant Payment Protection as a result of a Significantly Not as Described claim, theitem must be materially different from the authorized merchant’s description of the item.

The following claims will qualify as a Significantly Not as Described claim:

• You received a completely different item (e.g., you     purchased a book and received a DVD or an empty box).
• The condition of the item was misrepresented (e.g., the     item was described as “new” but the item was used).
• The item was advertised as authentic but is not     authentic (i.e., counterfeit).
• The item is missing major parts or features and those     facts were not disclosed in the description of the item when you bought     it.
• You purchased multiple items but order received was     incomplete.
• The     item was damaged during shipment.

The following claims will not qualify as aSignificantly Not as Described claim:

• A defect in an item was correctly described by the     authorized merchant in its description of the item.
• The item was properly described but you didn’t want it     after you received it.
• The item was properly described but did not meet your     expectations.
• The     item has minor scratches and was described as “used.”

Authorized Merchant Payment Protection Claim Process

If you’re unable to resolve an Authorized Merchant Payment related issue directly with an authorized merchant, you can file an Authorized Merchant Payment Protection claim with Company using the steps described below. If you do not follow these steps, your claim may be denied.

Step 1: File a claim by emailing or calling an agent at 1 (800) 927-4592 or info@gcgbank.com within 90 days of the date you made the Authorized Merchant Payment. Please include information on the Authorized Merchant Payment you’re disputing and the reason for your claim, including: the date and amount of purchase, the authorized merchant’s name, and an explanation of your issue.

Step 2: Respond to Company’s requests for documentation or other information. Company may require you to provide receipts, photographs, police reports or other documents that Company specifies. You must respond to these requests in a timely manner as requested in our correspondence.

Step 3: Comply with Company’s shipping requests in a timely manner. If you file a SNAD claim Company may require you, at your expense, to ship the item back to the authorized merchant, to Company, or to athird party specified by Company and to provide proof of delivery. Proof of delivery means:

• Confirmation that can be viewed online and includes the     delivery address showing at least city/state or zip code, delivery date,     and the identity of the shipping company you used.
• For     transactions that total $500 U.S. dollars or more, you must provide     signature confirmation of delivery.

Step 4: Company will make a final decision on the claim, in its sole discretion, based on the coverage and eligibility requirements set forth above, any additional information provided during the claim process, and any other information Company deems relevant and appropriate under the circumstances. You may appeal the decision if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.

Chargebacks

You may dispute an Authorized Merchant Payment with your card issuer if you used a debit or credit card to fund your Authorized Merchant Payment. Your rights with the card issuer may be broader than those available under the Authorized Merchant Payment Protection plan and you may be able to recover amounts even if you don’t qualify for Authorized Merchant Payment Protection.

You must choose to either pursue a claim with Company under the Authorized Merchant Payment Protection program or pursue a dispute with your card issuer. You cannot do both and cannot recover funds from both Company and card issuer. If you submit a claim to us and file a charge back relating to the same transaction with your card issuer, we’ll deny and close your claim with us. Similarly, if you pursue a dispute with your card issuer,you cannot pursue a claim with us later.

If you submit an Authorized Merchant Payment Protection claim with Company and we deny the claim, you can seek to pursue a dispute with your card issuer. If Company does not make a final decision onyour claim until after your card issuer’s deadline for filing a dispute, andbecause of our delay you recover less than the full amount you would have beenentitled to recover from the card issuer, we will reimburse you for the remainderof your loss minus any amount you have already recovered from the authorizedmerchant or your card issuer.

Before filing a dispute or claim with either your card issuer or Company, you should contact the authorized merchant toattempt to resolve your issue.

Other payment methods may provide you with additional protection or other benefits that you will not receive if you useyour Metti Bank account to make a purchase. Please consider this when choosingwhether to use your Metti Bank account for Authorized Merchant Payments.

1. Unauthorized     Activity

If you become aware of a payment that you did not authorize, please follow the procedures outlined in Section D.11 of thisAgreement.

1. Questions

If you have any questions regarding Authorized Merchant Payments,please contactus. Learn more about Authorized Merchant Payments here.

1. You may use certain GCG Bank services via Message and Siri on iPhones running iOS 10 or higher on which the GCG Bank app has been installed. Such use is subject to Apple’s applicable terms and conditions for the use of iMessage and/or Siri and the terms of this Agreement, including, without limitation, those set forth below.

1. If you choose to use Siri or iMessage to send payments via GCG Bank, you must permit GCG Bank to integrate with iOS, and you authorize GCG Bank to share some of your GCG Bank account data (including your friends list, list of persons you have transacted with most recently and most frequently, transaction instructions, and transaction notes) with Apple to allow it to facilitate transaction requests made through Siri or iMessage on iOS. Data shared with Apple will be used pursuant to Apple’s then-current user agreements and privacy policies.
2. You can grant or revoke Apple’s access to GCG Bank on iOS at any time under the “Siri” or “iMessage” settings on your iPhone.

1. Using     GCG Bank in iMessage

Unlike most payments sent with GCG Bank, a GCG Bank payment sent via iMessage must be accepted by a recipient with a GCG Bank account before that payment can be added to the recipient’s GCG Bank balance. When you send a payment in iMessage, the recipient will be prompted to tap a link to accept the funds. Payment recipients do not need iOS 10 or an iPhone, but their device must have the ability to receive text messages from you and be able to access the internet. In addition, the recipient must have a GCG Bank account in order to accept the payment. If a recipient without a GCG Bank account attempts to accept funds, he or she must create a GCG Bank account first.

When you send a payment in iMessage, the payment will leave your GCG Bank account immediately, but it will not be added to the recipient’s GCG Bank balance until he or she accepts the payment. Payments sent via iMessage will appear in your GCG Bank social feed.

If a payment sent in iMessage is not accepted within three (3) days, it will be canceled automatically. You may cancel a payment sent via iMessage at any time prior to it being accepted by going to Incomplete in the GCG Bank app menu, selecting the relevant payment, and canceling it.

When a payment initiated via iMessage is canceled, the funds will be returned to the original funding source for the payment. If the payment was funded via your GCG Bank balance, the payment will be returned to your balance. If the payment was funded by a credit or debit card, the payment will be returned to that card. It may take up to thirty (30) days for the returned payment to be applied by your card issuer. You can contact them directly for specific timeframes. If you funded a payment via bank account, the payment will be returned to that account. Bank transfers initiated before 7 PM Eastern Time on business days will typically be available in your bank account the next business day (Monday through Friday, excluding bank holidays). Bank transfers could be delayed or blocked if we identify an issue. You will be notified via email should this occur. Bank transfers will not be deposited on weekends or holidays. You can view the status of a payment sent via iMessage by going to Incomplete in the GCG Bank app menu or by tapping the payment note in iMessage. You may also initiate a charge request in iMessage. Any charge request not accepted within three (3) days will be canceled automatically. You cannot use GCG Bank to initiate a payment or charge request in iMessage group conversations.

1. Payments     via Siri‍

Payments sent using Siri are similar to other standard payments sent in the GCG Bank app. Once initiated, the payment will leave your GCG Bank account and be made available to the recipient as soon as you confirm the payment. You’ll also be able to see the payment in your GCG Bank social feed.

Siri can only be used to pay or request payment from persons on your GCG Bank friends list, those who are GCG Bank friends with your GCG Bank friends, and your “top people” on GCG Bank, which you can see in the GCG Bank app when you tap to initiate a payment. The top people may include those who are not your friends on GCG Bank so long as you have transacted with them previously.

When initiating a GCG Bank payment or charge request on Siri, you must specify the name of the individual GCG Bank user you are seeking to pay or charge. Siri cannot be used to send payments to email addresses, phone numbers, or GCG Bank usernames. If you’re trying to send a payment to someone that’s not showing up while using Siri, you may be asked to proceed to the GCG Bank app so that you can find the recipient and proceed with the transaction.

To initiate a GCG Bank payment using Siri, please use one of the following formats: “Pay [name of friend] [amount] dollars on GCG Bank for [payment note],” or “GCG Bank [name of friend] [amount] dollars for [payment note].

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Hey Siri, pay Keith $5 on GCG Bank for coffee.
Hey Siri, GCG Bank Isabel $100 for groceries.

Prior to completing any GCG Bank transaction through Siri, Siri will show you an overview of your proposed payment or request and ask you to confirm the transaction details. If everything is correct, you can say “yes” or “send” or tap send on the confirmation screen to initiate the transaction. If any details are not correct, you need to change something, or have changed your mind, you can just say “no” or tap “cancel” on the confirmation screen, and Siri will discard the proposed payment or request.

You can grant or revoke Siri’s access to GCG Bank at any time under Siri settings on your iPhone. You cannot use GCG Bank to initiate payments to multiple persons in a single transaction through Siri.

iii. Audience Settings for Transactions in iMessage and Siri

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iii. Audience Settings for Transactions in iMessage and Siri

When sending or requesting a payment via iMessage, the audience setting for the transaction will be the default audience setting (public, friends, or participants only) for your GCG Bank account. You can change your audience setting for any individual GCG Bank transaction while in iMessage prior to confirming and submitting your transaction details. You can also change your default audience setting in the privacy section of your GCG Bank account settings.

When sending or requesting a payment using Siri, the audience setting for the transaction will be the default audience setting (public, friends, or participants only) for your GCG Bank account. You will be shown your default audience setting on the confirmation screen for the transaction, but you will not be able to change your audience setting during the transaction through Siri. If you want to change your default audience setting during a transaction on Siri, you will need to cancel the transaction and change your default audience setting in the privacy section of your GCG Bank account settings.

You can change the audience setting for any GCG Bank transaction conducted through iMessage or Siri after it has been completed by selecting the transaction from your GCG Bank transaction feed and changing the audience setting for the transaction.

1. Logins     and Security

You must be logged into GCG Bank in order to access the GCG Bank Services using iMessage and/or Siri. If enabled, you will also need to provide Touch ID or PIN for GCG Bank before you will be able to complete a transaction using Siri or iMessage. To enable Touch ID or PIN for GCG Bank on iOS, go to GCG Bank Settings > Touch ID & PIN. GCG Bank transactions cannot be made from a locked iOS device.

Modifications; No Liability for Third Party Materials
We may add, change, suspend, or eliminate any or all GCG Bank Services available via iMessage and/or Siri at any time, with or without notice. The company has no liability or responsibility for any errors or other issues with Siri, iMessage, iOS, or any other third-party software, device, or service that may impact your ability to use the GCG Bank Services.

Questions
If you have any questions about using GCG Bank with iMessage and/or Siri, you can learn more here.

1. Questions

If you have any questions about using GCG Bank with iMessage and/or Siri, you can learn more here.

1. GCG  Bank Card

As part of the GCG Bank services, you may be offered the opportunity to apply for a Visa-branded, prepaid debit card (the “GCG Bank Card”) via a designated website or the GCG Bank app. The GCG Bank Card is linked to your GCG Bank account, funded by your GCG Bank account balance, and allows you to make purchases at merchants in the United States that accept Visa cards.

Issuance of the GCG Bank Card

The GCG Bank Card is issued by Various Banks (the “Bank”) and your use of the card will be subject to the Bank’s Cardholder Agreement available in the site footer (the “Cardholder Agreement”), as well as this Agreement. The Cardholder Agreement is entered into by and between you and the Bank. In the event of any inconsistency between this Agreement and the Cardholder Agreement, the Cardholder Agreement shall govern your use of the GCG Bank Card and your relationship with the Bank to the extent of such conflict.

1. Automatic     Reloads; Authorization to Debit Your Linked Bank Account

GCG Bank Card transactions are funded solely by your GCG Bank account balance. To ensure that your balance is sufficient to cover GCG Bank Card transactions, we’ll automatically add funds to (or “reload”) your GCG Bank balance by transferring funds from your app account whenever your balance is less than the transaction amount. We cannot reload your GCG Bank balance using a linked credit or debit card. You cannot opt-out of automatic reloads at this time. In order to use the GCG Bank Card, you must link a bank account to allow for balance reloads.

GCG Bank establishes a set, default amount for each reload (currently $10). The default amount (or a multiple thereof) will be transferred from your linked bank account to your GCG Bank balance each time a reload is required to complete a GCG Bank Card transaction. To the extent multiple reloads are required to complete a transaction, we’ll reload your GCG Bank balance with a multiple of the reload amount. GCG Bank may alter the default reload amount from time to time.

For example:
Single Reload – You have $0 in your GCG Bank balance and attempt to make an $8 GCG Bank Card purchase. The default reload amount is $10. Since the purchase amount exceeds your balance by $8, an automatic reload to your GCG Bank balance is triggered in the default amount of $10. This brings your account balance to $10 and allows you to complete the $8 transaction, leaving $2 in your GCG Bank balance. Your bank statement will show a corresponding $10 transfer to GCG Bank. The $2 that remains in your balance can be used for future GCG Bank transactions.

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your current balance by $88, an automatic reload to your GCG Bank account is triggered. A single default reload of $10, however, would not allow you to complete the transaction. Instead, we reload a multiple of the default reload amount as necessary to complete the transaction. In this case, it would take 9 reloads of $10 to complete the transaction ($10 x 9 = $90). GCG Bank would combine the nine reloads into a single $90 reload, bringing your account balance to $102. This allows you to complete the $100 transaction and leaves $2 in your balance. Your bank statement will show a corresponding $90 transfer to GCG Bank (as the nine required reloads were combined into a single reload transaction). The $2 that remains in your balance can be used for future GCG Bank transactions.

By using the GCG Bank Card, you hereby authorize GCG Bank to automatically debit your linked bank account for the default reload amount (or multiple thereof) as necessary to complete any transaction conducted using your GCG Bank Card. You further agree that once a reload transfer from your bank account has been initiated, you will not be able to cancel the transfer and that GCG Bank may resubmit any reload transfer that is returned for insufficient or uncollected funds, except as otherwise provided by the ACH Rules or applicable law. You may be subject to third-party fees, such as insufficient fund fees, reversal fees, overdraft, or other fees that a bank may charge if your reload transfer is rejected.

IF YOU DO NOT HAVE ENOUGH IN YOUR GCG BANK BALANCE TO COMPLETE A GCG BANK CARD TRANSACTION, YOU SHOULD CONFIRM THAT YOUR LINKED BANK ACCOUNT CONTAINS FUNDS SUFFICIENT TO COVER THE TRANSACTION BEFORE USING YOUR GCG BANK CARD. THIS WILL HELP YOU AVOID OVERDRAFT OR OTHER FEES YOUR BANK MAY CHARGE.

If you delete your bank account from GCG Bank, we will not be able to reload your GCG Bank account balance, and any GCG Bank Card transaction that exceeds your available balance will be declined. We may disable your GCG Bank Card at the time you remove your linked bank account.

GCG Bank Card Limits

We impose limits on the total amount of transactions you can conduct using your GCG Bank Card. Please see our Help Center here for more details on GCG Bank Card limits. These limits may change from time to time in the Company’s sole discretion, subject to applicable law.

1. Audience     Settings for GCG Bank Card Transactions

When you visit the GCG Bank app following completion of a GCG Bank Card transaction, you will be offered the opportunity to share your transaction on the GCG Bank social feed. You can choose to share the transaction with all GCG Bank users by selecting the public audience setting, or you can limit your sharing to your GCG Bank friends by selecting friends as the audience setting. You can change the audience setting for any GCG Bank Card transaction by selecting the transaction from your GCG Bank transaction feed and changing the audience setting for the transaction.

Privacy and Data Sharing

By applying for and using the GCG Bank Card, you authorize the Company, the Bank, and their mutual service provider, Shift Financial Inc. (“Shift”), to share your GCG Bank account and personal information with one another as necessary to provide GCG Bank Card related services. You further authorize the Company to use GCG Bank Card program-related information provided by the Bank (or Shift on behalf of the Bank) to provide customer service, service your GCG Bank account and/or GCG Bank Card, investigate and act on GCG Bank account and/or GCG Bank Card related claims, as necessary to comply with applicable law, and as otherwise permitted by our Privacy Policy. By applying for and using the GCG Bank Card, you will also be subject to additional data sharing terms and conditions as provided for in the Cardholder Agreement.

1. Modifications

We may add, change, suspend, or eliminate any or all GCG Bank Card related features and services at any time, with or without notice, subject to applicable law. We may terminate your access to any or all GCG Bank Services, including the GCG Bank Card, in the event you violate the Cardholder Agreement or any other agreement in force between you and the Company or its affiliates.

Authorized Merchant Payment Protection and GCG Bank Card Transactions

GCG Bank Card transactions shall be considered Authorized Merchant Payment transactions for purposes of GCG Bank’s Authorized Merchant Payment Protection policy and will be eligible for coverage under the policy subject to its terms and conditions. See Section B.1.p.viii (entitled Authorized Merchant Payment Protection) for details.

Lost or Stolen GCG Bank Card; Unauthorized GCG Bank Card Transactions

Contact the Company at once if you believe your GCG Bank Card or PIN has been lost, stolen, or otherwise compromised, or if you believe an electronic transfer has been made using the information from your GCG Bank Card or PIN without your permission. You can call us at 1800-927-4592 or email us at cardsupport@GCGBank.com. You can also send a written notice to GCG Bank, LLC, Attn: GCG Bank Error Resolution Department at .500 North State College Blvd.11th floor.Orange, California 92686 -USA .You can also temporarily disable your GCG Bank Card at any time. Disabling your GCG Bank Card will not impact any transactions conducted prior to the time the card was disabled. We may suspend or cancel your GCG Bank Card and/or corresponding GCG Bank account in the event of excessive reports of card loss or theft.

Please see the Cardholder Agreement for additional information, including information regarding your potential liability for unauthorized transactions.

1. GCG  Bank Card Identity Verification Process

You are offered the opportunity to apply for the GCG Bank Card and proceed to apply. You will be subject to the Bank’s approval criteria, which includes successful identity verification. If you are unable to pass the Bank’s identity verification procedures, you will not be eligible to receive a GCG Bank Card. In addition, you may be subject to separate identity verification by the Company, and/or the Company may suspend or terminate your access to the GCG Bank Services.

Support
If you have any questions about your GCG Bank Card, you can call us at 1 (800) 927-4592 or email us at card support@GCGBank.com.

1. MOBILE APPLICATIONS
2. Third     Party Operating System Providers, Phone Manufacturers, and Wireless     Carriers

The GCG Bank mobile application works on an application linked to a particular device and operating system, such as Apple’s iOS operating system. The company is solely responsible for providing maintenance and support services for the GCG Bank Services. Covered Third Parties have no obligation to provide maintenance or support services for the GCG Bank Services. Covered Third Parties have no warranty obligations whatsoever with respect to the GCG Bank Services, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure of the GCG Bank Services to conform to any warranty provided by the company, if any, will be the company’s sole responsibility.

The company, not any Covered Third Parties, is responsible for addressing any claims relating to the GCG Bank Services, including, but not limited to: (i) product liability claims; (ii) any claim that the GCG Bank Services fail to conform to any applicable legal or regulatory requirement; (iii) claims arising under consumer protection or similar legislation; and (iv) intellectual property claims. Please see the Contact Us section below for how to contact the company.

If you are using the GCG Bank Services on an Apple device, you acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement, and that Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary. Such rights may also accrue to other handset manufacturers and operating systems which participate in the Services.

1. Services     via SMS or Mobile Data

The GCG Bank Services allow you to send and receive payments through your mobile phone via SMS or mobile data plan. If you use the Services on your mobile phone, you are responsible for any fees that your phone service provider charges for SMS, data services, etc. Your phone service provider is not the provider of the GCG Bank Services.

GENERAL TERMS AND CONDITIONS

Notices to You

You agree that the Company may provide notice to you by posting it on our website (including but not limited to our User Agreement and Policy Updates documents), or if we have your email address or street address, by emailing it to the email address listed in your account or mailing it to the street address listed in your account. Such notice shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered. If the notice is sent by mail, we will consider it to have been received by you three Business Days after it is sent. The Company’s Business Days include all days on which the New York Federal Reserve Bank is open for business. We may also provide notice when you access the GCG Bank Services.

You acknowledge and agree that we will provide the notice to you in accordance with our Consent to Receive Electronic Disclosure Policy. If you do not consent or at any time withdraw your consent to receive electronic notices from us, we reserve the right to close your accounts.

Business Days
“Business Days” means Monday through Friday, excluding Holidays. “Holidays” means New Year’s Day (January 1), Birthday of Martin Luther King, Jr. (the third Monday in January), Washington’s Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November), and Christmas Day (December 25). If a Holiday falls on a Saturday, GCG Bank shall observe the Holiday on the prior Friday. If the Holiday falls on a Sunday, GCG Bank shall observe the Holiday on the following Monday.

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1. Notices     to Company

Notice to Company must be sent by postal mailto: GCG Bank, LLC., Attention: Legal Department, Headquarter:500 North State College Blvd.11th floor.Orange, California 92686 USA

1. Calls     to You

By Providing Company a telephone number(including a wireless/cellular telephone), you consent to receiving auto dialed and prerecorded message calls from Company at that number should the need arise. However, we will never call you for promotional purposes.

1. GCG Bank Websites
2. The Company’s GCG Bank websites may feature third-party offers and enable product searches. The Company does not warrant that product descriptions, pricing, search results, user ratings, reviews, or any other content on Company websites is accurate, complete, reliable, or current. This information is provided for informational purposes only and does not constitute an endorsement by the Company of any product, service, or vendor.
3. Intellectual Property
4. “GCG Bank.com,” “GCG Bank,” and all related logos, products, and services described on our website and mobile applications are either trademarks or registered trademarks of the Company or its licensors. You may not copy, imitate, or use them without the Company’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of the Company. You may not copy, imitate, or use them without our prior written consent.
5. You may use HTML logos provided by the Company through our vendor services, SMS tools, promotional tools, or affiliate programs without prior written consent for the purpose of directing web and SMS traffic to the service. You may not alter, modify, or change these HTML logos in any way, use them in a manner that is disparaging to the Company or the Service, or display them in any manner that implies the Company’s sponsorship or endorsement.
6. All right, title, and interest in and to the GCG Bank website and any content thereon is the exclusive property of the Company and its licensors.

Certain other product or service names, brand names and company names may be trademarks of their respective owners.

1. Taxes

It is your responsibility to determine what, ifany, taxes apply to the payments you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. Company is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes a rising from any transaction.

1. Privacy

Protecting your privacy is very important to us. Please review our Privacy Policy to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

If you receive information about another GCG Bank user through the GCG Bank Services, you must keep the information confidential and only use it in connection with the service. You may not disclose or distribute a GCG Bank user’s information to a third party or use the information for marketing purposes unless you receive the user’s express consent to do so.

Children’s Privacy

Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow anyone under 18 to register for the GCG Bank Services. If you are under 13, please do not send any information about yourself to us, including your name, address, telephone number, or email address. No one under age 13 is allowed to provide any personal or payment information to us through the GCG Bank Services.

If we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at the information provided below in the “Contact Us” section.

1. Loss     or Theft of Account Information, PIN, and Mobile Device

If you believe that any of your GCG Bank account registration information, PIN, or mobile device containing the GCG Bank App has been lost or stolen, or if your account history shows transfers that you did not make, immediately contact the Company via the Contact Us information below or by email to support@GCG BankLiquidCash.com.

Resolution Procedures for Unauthorized Transactions and Other Errors

Protection for Unauthorized Transactions and Other Errors:

The following terms and conditions apply with respect to all GCG Bank Services other than the GCG Bank Card. For provisions regarding unauthorized card transactions or other card errors, please see the Cardholder Agreement. You can also call us at 1-855-865-6821 or email us at cardsupport@GCG BankLiquidCash.com for GCG Bank Card-related support.

When an Unauthorized Transaction (defined below) or Other Error (defined below) occurs in your account, including Unauthorized Transactions that occur because your GCG Bank mobile-activated phone has been lost or stolen, the Company will cover you for the full amount of every eligible Unauthorized Transaction or Other Error as long as you follow the procedures discussed below.

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An "Unauthorized Transaction" is a type of error that occurs when GCG Bank is sent from your account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your account, and sends a payment from your account, an Unauthorized Transaction has occurred. However, if you give someone access to your account (for example, by giving them your login information) and they conduct transactions without your knowledge or permission, you are responsible for any resulting use. Such transactions are not considered Unauthorized Transactions.

In addition, “Other Errors” occur when GCG Bank is either incorrectly credited to your account or incorrectly debited from your account, or when transactions are incorrectly recorded in your account. Other Errors that are covered by the company are limited to the following events:

• (i) If you send a payment and we debit an incorrect amount from your account;
• (ii) If we credit an incorrect amount to your account;
• (iii) If a transaction is missing from or not properly identified in your account statement; and
• (iv) If there is a computational or mathematical error by the company.

Routine inquiries about your balance or the status of a pending transfer into or out of your account are not considered Unauthorized Transactions or Other Errors unless you expressly notify us of an Unauthorized Transaction or Other Error in connection with the transfer. Requests for information for tax or other recordkeeping purposes and requests for duplicate documentation also are not deemed to be Unauthorized Transactions or Other Errors.

You may request documentation or information regarding your account or transaction to determine whether an Unauthorized Transaction or Other Error exists by contacting us through the "Contact Us" link on the GCG Bank website.

1. Notification     Requirements

You should immediately notify Company if you believe:

1. There has been an Unauthorized Transaction,     unauthorized access to your account, or the occurrence of an Other Error;
2. There is an error in your transaction history or your     transaction confirmation sent to you by email;
3. Your password has been compromised;
4. Your Metti Bank mobile-activated phone has been lost,     stolen or deactivated; or
5. You     need more information about a transaction listed in your transaction     history or transaction confirmation email.

To be eligible for 100% protection for Unauthorized Transactions sent from your account, you must notify us within 60 days after any Unauthorized Transaction or Other Error first appears in your account statement. If you do not tell us within 60 days after the account statement was made available to you, you may not get back any GCG Bank funds you lost after the 60 days if we can prove that we could have stopped someone from taking the GCG Bank funds if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

You should regularly log into your account and review your transaction history to ensure that there has not been an Unauthorized Transaction or Other Error. The company will also send an email to the primary email address on file in order to notify you of each transaction from your account. You should review these emails to ensure that each transaction was authorized and is accurate.

For Unauthorized Transactions or Other Errors in your account, notify us as follows:

• By writing to us through https://help.GCGBank.com under the “Contact Us” tab; or
• By emailing us at support@GCGBankLiquidCash.com; or
• By writing to GCG Bank, LLC., Attn: GCG Bank Error Resolution Department, 500 North State College Blvd.11th floor.Orange, California 92686 -USA
• Contact our support team via phone or through our mobile banking app for immediate assistance.

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1. Telephone     GCG Bank Customer Service at 1(800)- 927-4592

When you notify us, provide us with all of the following information:

1. Your name, and the email address and phone number     registered to your account;
2. A description of any suspected Unauthorized Transaction  or Other Error and an explanation of why you believe it is incorrect or     why you need more information to identify the transaction; and
3. The dollar amount of any suspected Unauthorized Transaction or Other Error.

If you notify us orally, we may require that you send us written confirmation within 10 Business Days. During the course of our investigation, we may request additional information from you.

1. Company  Actions After Receipt of your Notification

Once you notify us of any suspected Unauthorized Transaction or Other Error, or we otherwise learn of one, we will do the following:

1. We will conduct an investigation to determine whether     there has been an Unauthorized Transaction or Other Error that is eligible     for protection.
2. We     will complete our investigation within 10 Business Days of the date we     received your notification of the suspected Unauthorized Transaction or     Other Error. If your account is new (the first transaction from your     account was less than 30 Business Days from the date you notify us), we     may take up to 20 Business Days to complete this investigation. If we need     more time, we may take up to 45 days to complete our investigation (or up     to 90 days for new accounts).

If we decide that we need more time to complete our investigation, we will provisionally credit your account for the amount of the suspected Unauthorized Transaction or Other Error. You will receive the pro visional credit within 10 Business Days of the date we received your notice(or 20 Business Days for new accounts). This will allow you to have use of the MettiBank until we complete the investigation. We will notify you of the provisional credit within 2 Business Days of the crediting. If we ask you to provide written confirmation and we do not receive it within 10 Business Days (or 20 Business Days for new accounts), we will not provisionally credit your account.

1. We     will inform you of our decision within 3 Business Days after completing     our investigation. If we determine that there was an error, we will     promptly credit the full amount of the error into your account within 1     Business Day of our determination. Or, if you have already received a     provisional credit, you will be allowed to retain those amounts.

If we decide that there was not an Unauthorized Transaction or Other Error, we will include an explanation of our decision in our email or other communications to you. If you received a provisional credit,after giving you 5 Business Days advance notice of the date and amount of the debit, we will remove it from your account. You may request copies of the documents that we used in our investigation.

1. Processing     Errors

We will rectify any processing error that we discover. If the error results in your receipt of less than the correct amount to which you are entitled, GCG Bank will credit your account for the difference. If the error results in your receipt of more than the correct amount to which you are entitled, GCG Bank will debit the extra funds from your account.

If the error resulted in our not completing a transaction on time or in the correct amount, we will be liable for your losses or damages directly caused by this failure, unless:
(a) through no fault of ours, you did not have enough available funds to complete the transaction,
(b) our system was not working properly and you knew about the breakdown when you started the transaction, or
(c) circumstances beyond our control (such as fire, flood, or loss of Internet connection) prevented the transaction, despite our reasonable precautions.

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1. Restricted     Activities

course of your interactions with the Company, a user, or a third party, you will not:

• Breach this Agreement, the card processing Agreement, or any other Agreement that you have entered into with the Company (including a policy);
• Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination, or false advertising);
• Infringe the Company’s or any third party’s copyright, patent, trademark, trade secret, or other intellectual property rights, or rights of publicity or privacy;
• Act in a manner that is defamatory, trade libelous, unlawfully threatening, or unlawfully harassing;
• Provide false, inaccurate, or misleading Personal Information;
• Create more than one GCG Bank account for yourself, through, among other methods, using a name that is not yours, or using temporary email address(es).

GCG Bank may take action if you: provide false or inaccurate information, such as incorrect bank account number(s) or phone number(s), or provide any other falsified Personal Information; send or receive what we reasonably believe to be potentially fraudulent funds; refuse to cooperate in an investigation or provide confirmation of your identity or any Personal Information you provide to us; attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both GCG Bank and the recipient of funds, bank, or credit card issuer for the same transaction; use an anonymizing proxy; control an account that is linked to another account that has engaged in any of these restricted activities; control or possess more than one account without authorization from GCG Bank; conduct your business or use the services in a manner that results in or may result in a violation of our policies.

in complaints, disputes, claims, reversals,     chargebacks, fees, fines, penalties and other liability to Company, a     user, a third party or you;

• use the Service to make transactions for the purpose of     earning rewards, perks, miles, points, etc. with your credit card, debit     card, or bank account;
• have a credit score from a credit reporting agency that     indicates a high level of risk associated with your use of the services;
• use your account or the services in a manner that     Company, Visa, MasterCard, American Express or Discover reasonably believe     to be an abuse of the credit card system or a violation of credit card     association rules;
• allow your GCG Bank account to have a negative     balance; provide yourself a cash advance from your credit card (or help     others to do so);
• disclose or distribute another GCG Bank user’s     Personal Information to a third party, or use the information for     marketing purposes unless you receive the user’s express consent to do so;
• send unsolicited email to a user or use the services to     collect payments for sending, or assisting in sending, unsolicited email     to third parties;
• take any action that imposes an unreasonable or     disproportionately large load on our infrastructure;
• facilitate any viruses, Trojan horses, worms or other     computer programming routines that may damage, detrimentally interfere     with, surreptitiously intercept or expropriate any system, data or     information;
• use any robot, spider, other automatic device, or     manual process to monitor or copy our website without our prior written     permission;
• use any device, software or routine to bypass our robot     exclusion headers, or interfere or attempt to interfere, with our website     or the services;
• take any action that may cause us to lose any of the     services from our internet service providers, payment processors, or other     suppliers;
• use     the GCG Bank Service to test credit card behaviors.

1. Acceptable     Use

You agree you will not use the Metti BankServices to violate any law, statute, ordinance, or regulation relating to sales of:

• counterfeit goods;
• narcotics, steroids, certain controlled substances or     other products that present a risk to consumer safety;
• drug paraphernalia;
• items that encourage, promote, facilitate or instruct     others to engage in illegal activity;
• items that promote hate, violence, racial intolerance,     or the financial exploitation of a crime;
• items that are considered obscene;
• items that infringe or violate any copyright,     trademark, right of publicity or privacy or any other proprietary right     under the laws of any jurisdiction;
• certain sexually oriented materials or services;
• ammunition, firearms, or certain firearm parts or     accessories; or
• certain     weapons or knives regulated under applicable law;

Relating to transactions that:

• show the personal information of third parties in     violation of applicable law;
• support pyramid or ponzi schemes, matrix programs,     other “get rich quick” schemes or certain multi-level marketing programs;
• are associated with purchases of annuities or lottery     contracts, lay-away systems, off-shore banking or transactions to finance     or refinance debts funded by a credit card;
• are for the sale of certain items before the seller has     control or possession of the item;
• are by payment processors to collect payments on behalf     of merchants;
• are associated with the sale of traveler’s checks or Metti     Bankorders;
• involve code/credits exchanges or check cashing     businesses or digital currencies such as bitcoins;
• provide certain credit repair or debt settlement     services involve the sales of products or services identified by government     agencies to have a high likelihood of being fraudulent;
• are     otherwise related to illegal activity, gambling, pornography, obscene     material or otherwise objectionable content or activities

Violating applicable laws or industry regulations regarding the sale of:

• tobacco products;
• prescription drugs and devices involve gambling, gaming     and/or any other activity with an entry fee and a prize, including, but     not limited to casino games, sports betting, horse or greyhound racing,     lottery tickets, other ventures that facilitate gambling, games of skill     (whether or not it is legally defined as a lottery) and sweepstakes unless     the operator has obtained prior approval from Company and the operator and     customers are located exclusively in jurisdictions where such activities     are permitted by law; or
• provide     certain credit repair or debt settlement services involve the sales of     products or services identified by government agencies to have a high     likelihood of being fraudulent.

1. Legal     Compliance

You are solely responsible for ensuring that your use of the GCG Bank Services is in conformance with applicable federal, state, and local laws and regulations. By using the GCG Bank Services, you warrant and represent that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Your Liability – Actions We May Take

You are solely responsible for ensuring that your use of the GCG Bank Services is in conformance with applicable federal, state, and local laws and regulations. By using the GCG Bank Services, you warrant and represent that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

1. Your     Liability

You are responsible for all reversals, chargebacks, claims, fees, fines, penalties, and other liabilities incurred by GCG Bank, a GCG Bank user, or a third party caused by or arising out of your breach of this Agreement, and/or your use of the GCG Bank Services. You agree to reimburse GCG Bank, a user, or a third party for any and all such liabilities.

You acknowledge that you are responsible for the accuracy of all payments sent using the GCG Bank Services, including but not limited to the accuracy of the amount paid and the recipient. GCG Bank shall not be responsible or in any way held liable due to inaccurate payments, including but not limited to sending an incorrect amount of GCG Bank currency or funds, or sending GCG Bank payments to an incorrect recipient.

Actions by GCG Bank

If we have reason to believe that you have engaged in any restricted activities, made excessive or unexplainable transactions, violated any parts of this Agreement, or provided any incorrect information, we may take various actions to protect GCG Bank, another GCG Bank user, a third party, or you from reversals, chargebacks, claims, fees, fines, penalties, and any other liabilities. The actions we may take include but are not limited to the following:

• We may close, suspend, or limit your access to your     account or the Metti Bank Services (such as limiting access to any of your     funding sources, and your ability to send money, make withdrawals, or     remove financial information);
• we may contact users who have sent you money, contact     your bank or credit card issuer, and warn other users, law enforcement, or     impacted third parties of your actions;
• may update inaccurate information you provided us;
• we may refuse to provide our Metti Bank Services to you     in the future;
• we may hold your funds for up to 180 days if reasonably     needed to protect against the risk of liability; and
• we     may take legal action against you.

Company, in its sole discretion, reserves theright to terminate this Agreement, access to its website, or access to the Service for any reason and at any time upon notice to you and payment to you of any unrestricted funds held in custody for you.

1. Account     Closure, Termination of Service, or Limited Account Access

If we limit or close your account or terminate your use of our Services for any reason, you may contact us and request restoration of access if appropriate. However, if we deem you violated this Agreement, restoration is at our sole discretion. You may stop using the GCG Bank Services at any time or may close your accounts by contacting us. The Company, in its sole discretion, reserves the right to terminate the GCG Bank Services, to terminate this Agreement, or to terminate your access to the GCG Bank Services for any reason and at any time. If we terminate or limit your use of our GCG Bank Services for any reason, we will use commercially reasonable efforts to provide you with notice of our actions.

1. Policy     Violation – User Fines

If GCG Bank incurs any damages because you violate our policies, break any laws, or otherwise cause GCG Bank to suffer any damages or incur any expenses, then we may hold your funds for up to 180 days, fine you for each such violation, and take legal action against you to recover additional losses, investigation costs, fines, or legal fees we may incur. You acknowledge and agree that a fine of US $2,500.00 for violations of our Agreement is presently a reasonable minimum estimate of GCG Bank’s damages, considering all currently existing circumstances, including the relationship of the sum to the range of harm to GCG Bank that reasonably could be anticipated and the anticipation that proof of actual damages may be impractical or extremely difficult. GCG Bank may deduct such fines directly from any existing balance in the offending account or any other GCG Bank account you control.

1. Disputes with Company
2. Dispute     with Company

If a dispute arises between you and GCG Bank, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and GCG Bank regarding our services may be reported by emailing us at the following email address: info@gcgbank.com.

1. Law     and Forum for Disputes; Arbitration

This User Agreement shall be governed in allrespects by the laws of the State of New York, without regard to conflict oflaw provisions, except to the extent that federal law applies.

AANY CLAIMS ARISING OUT OF, RELATING TO, OR CONNECTED WITH THIS USER AGREEMENT MUST BE ASSERTED INDIVIDUALLY IN BINDING ARBITRATION CONDUCTED BY A SINGLE ARBITRATOR WITH EXPERIENCE IN CONSUMER ONLINE PAYMENT SERVICES DISPUTES ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES AND THE AAA SUPPLEMENTARY PROCEDURES FOR CONSUMER-RELATED DISPUTES. The forum for arbitration shall be in the city closest to your residence having a federal district courthouse. The arbitrator shall not conduct any form of class or collective arbitration nor join or consolidate claims by or for individuals. To the extent allowed by applicable law, the Arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this User Agreement including, but not limited to, any claim that all or any part of this User Agreement is void or voidable. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. For any non-frivolous claim, GCG Bank will pay the costs of the arbitration (but not your attorney fees), up to $3,000. This User Agreement and each of its parts evidence a transaction involving interstate commerce, and the United States Arbitration Act shall apply in all cases and govern the interpretation and enforcement of the arbitration rules and arbitration proceedings. There are only two exceptions to this agreement to arbitrate. First, if we reasonably believe that you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in any court of competent jurisdiction. Second, any claim of $500 or less may, at the option of the claiming party, be resolved through a streamlined arbitration process or in small claims court.

Any claim of $500 or less may, at the option of the claiming party, be resolved in small claims court in New York City, New York, if the claim and the parties are within the jurisdiction of the small claims court. For these two exceptions, you agree to submit to the personal jurisdiction of the courts located within New York City, New York, for the purpose of litigating such claims or disputes.

Waiver of Right to Jury; Class Action Waiver
TO THE EXTENT ALLOWED BY LAW, YOU AGREE TO IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO A TRIAL BY JURY OR OTHER COURT TRIAL (OTHER THAN SMALL CLAIMS COURT) OR TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING FILED AGAINST GCG Bank AND/OR RELATED THIRD PARTIES.

1. Liability     of Company for Failure to Complete Transfers

If Company does not complete a transfer to or from your account, or using your saved payment information, on time or in the correct amount according to this Agreement, Company will be liable for your losses or damages to the extent required by law. Company will not be liable:

• If, through no fault of Company’s, you do not have     enough Metti Bank in your balance, and Company is unable to charge the     transaction to your linked credit card, for reasons including but not     limited to you exceeding any applicable credit limit;
• the funds in your account are subject to legal process     or other encumbrance restricting their use;
• If the Metti Bank Services were not working properly     and you knew about the breakdown when you started the transfer;
• If the failure results from a failure of a financial     institution that issues the credit card or debit card linked to your     account, or Company is unable to access a linked credit card for any     reason other than due to Company’s fault;
• If you provided inaccurate or incomplete information     regarding the transfer;
• If     the transfer appears suspicious, fraudulent, or unauthorized, and Company     cannot confirm that it is a legitimate transfer, or if the account of     either user involved in the transfer is under investigation by Company or     if the transfer is or appears to be prohibited by any applicable law or     rules

1. Disclaimers     of Warranty; Damages Exclusions

Unless otherwise prohibited by law, you assume all responsibility for your use of the GCG Bank Services and use them at your own risk. To the fullest extent permissible under applicable law, all such representations, warranties, guarantees, and conditions are disclaimed, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement of intellectual property rights, or other terms which might otherwise be implied by statute, common law, or in equity.

GCG Bank does not warrant that the services will be uninterrupted or error-free, that defects will be corrected, or that the services, or the servers that process information for the services, are free of viruses, bugs, or other harmful components. On behalf of GCG Bank, Covered Third Parties, and each of our respective affiliates, vendors, agents, and suppliers, GCG Bank makes the following disclaimers set forth in this section: the GCG Bank Services are provided on an “as is”, “as available”, and “with all faults” basis, without any representations, warranties, guarantees, or conditions of any kind, express, implied, or statutory, including, but not limited to, any warranty as to the use or operation of the services, or the information, content, or other materials related to the services, whether provided by GCG Bank, any third party, or any of the Covered Third Parties.

Neither GCG Bank, nor any third party, nor any of the Covered Third Parties warrant nor make any representations regarding the use or the results of the services in terms of correctness, accuracy, timeliness, reliability, or otherwise. You assume the entire cost of all necessary maintenance, repair, or correction to any equipment you use in accessing any of the services, including, but not limited to, your mobile phone or other device.

GCG Bank COMPANY IS NOT LIABLE FOR THE CONSEQUENCES OF YOU CHOOSING TO SHARE ANY PAYMENT DETAILS ON SOCIAL MEDIA OR WITHIN THE GCG BANK SERVICES, AND YOU AGREE TO HOLD THE COMPANY HARMLESS AND INDEMNIFY THE COMPANY FROM ANY LIABILITY arising from the actions or inactions of any external social media network in connection with the permissions you grant to the external social media network. None of the Company, any third party (including, without limitation, the Bank or Shift), or the Covered Third Parties, or any of their respective affiliates, vendors, agents, or suppliers will be liable for, and you agree not to seek against any of the foregoing, any damages of any kind arising from the use of the services, including, but not limited to, indirect, special, incidental, punitive, exemplary, consequential damages or damages resulting from the use of the service, loss of use of the service, lost data, lost profits, or business interruption arising out of or in any way connected with the use of the services, any delays in the services, or the inability to use the services, or any portion thereof, whether based on contract, tort, negligence, strict liability, or otherwise, even if all or any of us have been advised of the possibility of such damages and even if any remedy fails of its essential purpose. The Company does not have any control over any products or services that are paid for with our services, and the Company cannot ensure that any party you are dealing with will actually complete the transaction or is authorized to do so. The Company will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and check issuances are processed in a timely manner, but the Company makes no representations or warranties regarding the amount.

processing because GCG Bank is dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states or other jurisdictions do not allow the disclaimer of implied warranties or the exclusion of certain damages, so the above disclaimers and exclusions may not apply to you. You may also have other rights that vary from state to state and jurisdiction to jurisdiction.

Limitations on Liability

Except as otherwise expressly provided in this agreement, and to the extent permissible under applicable law, GCG Bank’s cumulative liability to you for any claims or damages arising out of or related to your use of the GCG Bank Services shall not exceed the greater of the fee you paid to GCG Bank for the use of the GCG Bank Services or $1.00 USD.

These limitations on liability apply to anything related to a service or any application or content made available through any such service; and claims for breach of contract, breach of warranty, guarantee or condition, strict liability, negligence, or other tort to the extent permitted by applicable law. These limitations on liability also apply even if: repair, replacement or a refund for the service does not fully compensate you for any losses; or GCG Bank, any third party (including, without limitation, Shift) or a Covered Third Party knew or should have known about the possibility of the damages.

These limitations on liability will apply to the maximum extent permitted by applicable law, even if any remedy fails of its essential purpose. Some states or other jurisdictions do not allow the limitation of liability, so the foregoing limitations may not apply to you. You may also have other rights that vary from state to state and jurisdiction to jurisdiction.

1. License     Grant

Certain services require the use of software and software applications provided to you by GCG Bank (collectively “Software”). GCG Bank and its licensors grant you a limited, non-exclusive license to use GCG Bank’s Software in the United States that we provide to you solely in accordance with this Agreement and any user documentation we may provide, including all updates, upgrades, new versions, and replacements of the Software (all of which become part of the “Software”) for your personal use only in accordance with this Agreement. If the Software will be downloaded to a mobile device, this license extends to your use of the Software on a device that you own or control, as long as your use is permitted by the usage rules set forth for your particular device (for example, the Apple App Store Terms of Use).

You may not rent, lease, or otherwise transfer your rights in the Software to a third party. You must comply with the implementation and use requirements for the Software contained in this Agreement or in any GCG Bank Services documentation we provide to you. If you do not comply with such implementation and use requirements, you will be liable for all resulting damages suffered by you, GCG Bank, or any third parties. You agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile, or otherwise attempt to create any source code which is derived from the Software. You acknowledge that all rights, title, and interest to GCG Bank’s Software are owned by GCG Bank. Your rights to use the Software cease immediately upon termination of this Agreement, and you must delete all of your copies of the Software.

1. Indemnification

You agree to defend, indemnify and hold harmless GCG Bank and its parent, affiliates, officers, directors, and employees from any claim or demand (including any damages, losses, expenses, and attorneys' fees resulting from) made or incurred by any third party due to or arising out of your breach of this Agreement and/or your use of the GCG Bank Services.

Assumption of Rights

If GCG Bank makes a payment to you for a claim, reversal, or chargeback that you file with us against a recipient of your payment, you agree that GCG Bank assumes your rights against the recipient and third parties related to the payment and may pursue those rights directly or on your behalf, at GCG Bank’s discretion.

Release of GCG Bank

If you have a dispute with one or more users relating to payment, GCG Bank is not responsible for any such dispute, and you hereby release GCG Bank (and our officers, directors, agents, joint ventures, and employees) from any and all claims, demands, and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes

1. Modification     of Terms

We may amend this Agreement at any time by posting a revised version on our website. The revised version will be effective at the time we post it unless it contains material changes. If we make changes to our Agreements with you that either reduce your rights or increase your responsibilities, we will provide 21 days' notice to you before the changes become effective. By using the GCG Bank Services after a new Agreement has been posted, you agree to the revised Agreement.

Survival
In the event of termination of this Agreement or the GCG Bank Services, the terms in this Agreement that by their nature are continuing shall survive such termination, including but not limited to the disclaimers and limitations of liabilities.

1. Force     Majeure

We shall not be liable for any delay or failure in the performance or in delivery or shipment of materials, or for any damages suffered by you by reason of such delay or failures, directly or indirectly caused by or in any manner arising from or connected with acts of God, acts of public enemies, riots, strikes, acts of governmental agencies, labor difficulties, failure of our power, telecommunications or other suppliers, delays in securing or shortages of raw materials, breakdown or destruction of any system or equipment, or any other cause or causes beyond our control, whether or not similar to those enumerated herein.

1. Miscellaneous

This Agreement and other documents (including but not limited to the Privacy Policy) referenced in or linked to this Agreement, which are hereby incorporated herein and made a part of this Agreement by this reference, contain yours and our entire Agreement regarding your use of the GCG Bank Services. If any provision of this Agreement is deemed to be illegal or unenforceable, such provision shall be enforced to the extent possible, and any remaining illegality or unenforceability will not affect the validity or enforceability of any other provisions of this Agreement, which together will be construed as if such illegal or unenforceable provision had not been included in this Agreement. Any legal action arising out of your use of the GCG Bank Services must be brought within one year after the cause of action has arisen. The section headings in this Agreement are for convenience of reference only and are not to be considered as parts, provisions, or interpretations of this Agreement. You may not transfer or assign any rights or obligations you have under this Agreement without GCG Bank’s prior written consent. GCG Bank reserves the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to that breach or subsequent or similar breaches.

1. Independent     Contractors

IGCG Bank Independent Contractors

The parties agree they are independent contractors to each other in performing their respective obligations hereunder. Nothing in this Agreement or in the working relationship being established and developed hereunder shall be deemed or is intended to be deemed, nor shall it cause, the parties to be treated as partners, joint ventures, or otherwise as joint associates for profit.

HOW TO CONTACT US

If you have questions or concerns regarding this Agreement or your GCG Bank account, or any feedback that you would like us to consider, please email us at legal@gcgbank.com. You may also write to us at GCG Bank, Legal Department,00 North State College Blvd.11th floor.Orange, California 92686 -USA  or call us at +1 (800) 927-4592

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Important; Metti Bank Notice:

GCG Bank, LLC is a prepaid digital code/credits and all-cash equivalent asset associated with your account in our network. These digital cash assets are held in a Master Aggregated Deposit pooled account with our bank. Please note that these digital cash assets are not eligible for individual insurance, including FDIC insurance, and are not eligible for share insurance by the National Credit Union Share Insurance Fund.

GCG Bank, LLC is the operator of a software platform that instantly converts fiat code/credits into digital code/credits assets and communicates user instructions to its peers, vendors, and financial institutions. Please note: The GCG Bank Master Aggregated Account is FDIC insured.

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Privacy policy

LAST UPDATED Feb 11, 2024

OURCOMMITMENT TO PRIVACY

GCG Bank, an GCG Bank service, knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used. To make this privacy policy easy to find, we make it available from the home page of the GCG Bank website at LiquidCash.com (the “website”) and through our mobile applications. You may also email us at Contact Us with any privacy-related questions you have.

APPLICABILITY OF PRIVACY POLICY

This privacy policy applies to all information we collect through our Services from current and former GCG Bank users, including you. “Services” means any products, services, content, features, technologies, or functions, and all related websites, applications, and services offered to you by GCG Bank in connection with a GCG Bank account. When you are no longer our customer, we continue to share your information as described in this policy. This policy only applies to the Services and does not apply to the practices of any other GCG Bank service.

Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been aggregated and/or anonymized so that it does not identify a specific user.

THE INFORMATION WE COLLECT

When you visit the website or use one of our mobile applications or other Services, we collect your IP address and standard web login information, such as your browser type and the pages you accessed on our website. We also may collect Geolocation Information (defined below). If you do not agree to our collection of this information, you may not be able to use our Service.

If you open a GCG Bank account, we collect the following information from you:

• Account Information – text-enabled cellular/wireless telephone number, machine or mobile device ID, and other similar information.
• Identification Information – your name, street address, email address, date of birth, and SSN (or other governmental issued verification numbers).
• Device Information – information about you: (a) from your mobile device or computer, such as your device type, machine or mobile device identification number, Geolocation Information, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention, and other similar purposes. For fraud prevention purposes, we also may link your machine ID with the machines of others who use your same payment cards.
• Geolocation Information – information that identifies with reasonable specificity your location by using, for instance, longitude and latitude coordinates obtained through GPS.Wi-Fi or cell site triangulation. We will collect this data for fraud and risk purposes. In addition, some of our services may ask you for permission to share your current location within your device settings to enhance our services. If you do not agree to our collection of Geolocation Information, our services may not function properly when you try to use them. For information about your ability to restrict the collection and use of Geolocation Information to enhance our services, please refer to the settings available in your device.

Social Web Information – including but not limited to your Facebook Connect credentials and email account information. If you authorize Facebook Connect, the plug-in allows us access to your email address, Facebook friends list, and public profile (including profile picture). We also allow you to import data from other social web services, including but not limited to Twitter, Foursquare, and email service providers. Social and email contact information helps you connect to friends and contacts for invitation and payment transmission purposes (as well as helping us improve the services and fight fraud).

Additionally, another GCG Bank user may mention you in a transaction to which you are not a party by “tagging” your username in a transaction note or comment. When you are mentioned in a transaction note or comment into which you have visibility (e.g., a public transaction, a “friends-only” transaction by one of your GCG Bank friends, or a comment on either such transaction), a link to your GCG Bank profile will appear in the transaction note or comment, and, if your push notifications are turned on, you will receive a push notification about the mentions. You may manage certain contact preferences and notifications in your account settings.

GCG Bank Financial Information – bank account online login information, bank account and routing numbers, and credit cards linked to your GCG Bank account. GCG Bank does not share financial information with third-party social networking services such as those listed in the prior bullet. We are committed to providing a safe, secure, and all-around great service. Therefore, before permitting you to use the Services, we may require additional information from you that we can use to verify your identity, address, or other information or to manage risk and compliance throughout our relationship. We may also obtain information about you from third parties, such as identity verification, fraud prevention, and similar services. When you are using the Services, we collect information about your account transactions, and we may collect Geolocation Information and/or information about your computer or other access device for fraud prevention and other similar purposes.

Finally, we may collect additional information from or about youin other ways not specifically described here. For example, we may collectinformation related to your contact with our customer support team or storeresults when you respond to a survey.

INFORMATION FROM CHILDREN

The Services are not directed to children under the age of 13. If we obtain actual knowledge that we have collected personal information from a child under the age of 13, we will promptly delete it unless we are legally obligated to retain such data. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.

HOW WE USE COOKIES

When you visit or use our Services, or visit a third-party website for which we provide online services, we and certain business partners and vendors may use cookies and other tracking technologies (collectively, “Cookies”). We use Cookies to recognize you as a customer; customize Services, other content, and advertising; measure the effectiveness of promotions; perform a wide range of analytics; mitigate risk and prevent potential fraud; and to promote trust and safety across our Services.

Certain Services are only available through the use of Cookies, so if you choose to disable or decline Cookies, your use of certain Services may be limited or not possible.

Do Not Track: Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not respond to DNT signals.

HOW WE PROTECT & STORE PERSONAL INFORMATION

We store and process your personal information using third-party servers located in data centers in the United States. This information is protected by physical, electronic, and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, enforce physical access controls to our office and files, and authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

We strive to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered, or destroyed by a breach of our administrative, managerial, and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your GCG Bank password with anyone.

If GCG Bank learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Services, you agree that GCG Bank may communicate with you electronically. GCG Bank may post a notice on the website or mobile application if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach), please email us here.

HOW WE USE THE PERSONAL INFORMATION WE COLLECT

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun, and customized experience. We may use your personal information to:

• Provide the services and customer support you request.
• Process transactions and send notices about your transactions or your network activity.
• Resolve disputes, collect fees, and troubleshoot problems.
• Prevent potentially fraudulent, prohibited, or illegal activities, and enforce our User Agreement through the use of our risk and fraud tools which may include the use of Account Information, Identification Information, Financial Information, Device Information, Social Web Information, and Geolocation Information.
• Create an account connection between your GCG Bank account and a third-party account or platform.
• Customize, personalize, measure, and improve our services and the content and layout of our website.
• Send you updates about new products and services that we are offering to customers.
• Compare information for accuracy and verify it with third parties.
• Perform other duties as required by law.
• If you elect to share your Geolocation Information, we will use this information to enhance the security of the Services and we may use this information to provide you with location-specific options, functionality, offers, advertising, search results, or other location-specific content.

HOW WE SHARE PERSONAL INFORMATION WITHIN THE GCG BANK NETWORK

To process payments on GCG Bank, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received, and other verification metrics like social graph activity may be provided to users or companies when you transact with, on, or through GCG Bank.

We work with vendors to enable them to accept payments from you using GCG Bank. In doing so, a vendor may share information about you with us, such as your mobile phone number or GCG Bank username, when you attempt to pay that vendor. We use this information to confirm to that vendor that you are a GCG Bank customer and that the vendor should enable GCG Bank as a form of payment for your purchase.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through GCG Bank, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.

HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES

GCG Bank does not share your personal information with third parties for their promotional or marketing purposes. Some personal information is public information and may be seen by anyone on the internet, whether or not they have a GCG Bank account. Public information may also be seen, accessed, reshared, or downloaded through GCG Bank’s APIs or third-party services that integrate with our products.

Public information for personal profiles includes your GCG Bank username, profile photo, first and last name, month and year of GCG Bank account creation, and public transactions in which you’ve been involved. Public information for business profiles includes GCG Bank username, profile and background photos, business name, business description, and QR code. Public information for business profiles may be indexed by and searchable on search engines.

In addition to any public information, your GCG Bank friends list may be seen by any logged-in GCG Bank user; you may adjust or turn off this setting in the privacy section in your account settings.

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We may share your personal information with:

Our parent company, GCG Bank and affiliates and subsidiaries it controls, but only for purposes allowed by this document.

Companies that GCG Bank plans to merge with or be acquired byor, in the event of any bankruptcy, a bankruptcy estate. Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice and the opportunity to communicate preferences you may have, if applicable.

Law enforcement, government officials, or other third parties IN GCG Bank is compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the GCG Bank User Agreement, or as otherwise required by law.

Third party service providers who assist us in providing services to you or who provide fraud detection or similar services on our or any vendor’s behalf.

The other GCG Bank user participating in the transaction and,depending on the privacy setting of each GCG Bank account transaction, your GCG Bank friends and the GCG Bank friends of the other user participating in the transaction, or the public, through the Metti Bank feed on our website and mobile application and elsewhere on the internet.

Service providers under contract who help with parts of our business operations (for example, fraud prevention, payment processing, or technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

Other third parties with your consent or at your direction to doso, including if you authorize an account connection with a third-party accountor platform.

For the purposes of this privacy policy, an “account connection”with such a third party is a connection you authorize or enable between your GCG Bank account and a non-GCG Bank account, payment instrument, or platform that you lawfully control or own. When you authorize such a connection, GCG Bank and the third-party will exchange your personal information and other information directly. Examples of account connections include, with out limitation: linking your GCG Bank account to a social media account or social messaging service; connecting your GCG Bank account to a third-party data aggregation or financial services company, if you provide such company with your GCG Bank account log-in credentials; or using your GCG Bank account to make payments to a merchant or allowing a merchant to charge your GCG Bank account.

If you connect your GCG Bank account to other financial accounts, directly or through a third-party service provider, we may have access to your account balance and account and transactional information, such as purchases and funds transfers. If you choose to create an account connection, we may receive information from the third-party about you and your use of the third-party’s service. For example, if you connect your GCG Bank account to a social media account, we will receive personal information from the social media provider via the account connection. We will use all such information that we receive from a third-party via an account connection in am anner consistent with this privacy policy.

Information that we share with a third-party based on an account connection will be used and disclosed in accordance with the third-party’sprivacy practices. Before authorizing an account connection, you should review  the privacy notice of any third-party that will gain access to your personal information as part of the account connection. For example, personal information that GCG Bank shares with a third-party account or platform such as a social media account may in turn be shared with certain other parties,including the general public, depending on the account’s or platform’s privacy practices.

If you choose to use Siri or iMessage to send payments via GCG Bank or to otherwise use the Services, such use is subject to Apple’s terms and conditions for use of iMessage and/or Siri, as applicable, and the terms of the GCG Bank User Agreement. By using Siri or iMessage, you authorize us to share some of your GCG Bank account data (including your friends list, list of persons you have transacted with most recently and most frequently, transaction instructions, and transaction notes) with Apple to allow it to facilitate transaction requests made through Siri or iMessage on iOS. Data shared withApple will be used pursuant to Apple’s then-current user agreements and privacypolicies. You can grant or revoke Apple’s access to GCG Bank on iOS at anytime under the “Siri” or “iMessage” settings on your iPhone.

GCG Bank does not send your personal information to third-partysocial networks unless you have specifically requested or authorized us to doso. When you broadcast information to such third-party social networks, suchinformation is no longer under the control of Metti Bank and is subject to theterms of use and privacy policies of such third parties.

HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION

You can review and update your personal information in your account settings at any time by logging in to your account.

LINKS TO OTHER SERVICES OR SITES

The Services may contain links to (or allow you to link to) other third-party services or websites. GCG Bank does not control the information collection of third-party services or websites that can be reached through suchlinks. We encourage our users to be aware when they are linking to athird-party service or website and to read the privacy statements of anythird-party service or website that collects personally identifiable information.

CHANGES TO OUR PRIVACY POLICY

GCG Bank is always improving. As the Services evolve we may occasionally update this privacy policy. If we modify this privacy policy, we will post the revised privacy policy to the website, and we will also revise the “last updated date” stated above. If we make material changes in the way we use personal information, we will notify you by posting an announcement on our mobile application or website or by sending you an e-mail. It is your responsibility to periodically review this privacy policy; users are bound by any changes to the privacy policy by using the Services after such changes have been first posted.

HOW TO CONTACT US

If you have questions or concerns regarding this privacy policy,or any feedback pertaining to your privacy and the Services that you would like us to consider, please email us here.

Consumer Privacy Notice GCG Bank is a service provided by Metti Bank (“GCG Bank”) Facts What does Metti Bank do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully tounder stand what we do.

What?

The types of personal information we collect and share depend onthe product or service you have with us. This information can include: Social Security number and account balances Payment history or transaction history Credit history or credit scores

When you are no longer our customer, we continue to share your information as described in this notice.How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information;the reasons Metti Bank chooses to share; and whether you can limit this sharing.Reasons we can share your personal information ,Does GCG Bank share? Yes Can you limit this sharing? YesFor our everyday business purposes—

such as to process your transactions, maintain your account(s),respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes— Noto offer our products and services to you – Yes For joint marketing with other financial companies – No For our affiliates’ everyday business purposes— Yes Information about your transactions and experiences – No California Consumer Privacy Act Notice

In this notice, we are addressing specific disclosure requirements under the California Consumer Privacy Act of 2018 for California residents.This notice should be read together with GCG Bank’s Privacy Policy and applies to all California residents who visit our Sites or use the Services.Personal Information Collection and Purposes of Use We collect, use and share personal information regarding California residents as described in this notice. We did not sell any consumers’ personal information in the preceding 12 months.

California Residents’ Privacy Rights

California residents have rights to request access to certainpersonal information collected about them over the past 12 months, or deletionof their personal information, subject to certain exceptions, and may not bediscriminated against because they exercise any of their rights under theCalifornia Consumer Privacy Act. We may require you to provide additionalpersonal information to verify your identity before we process your request; wemay not process your request if we are unable to verify your identity. You maycontact us by clicking here.  Learnmore about how we have handled your Privacy Rights.

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