Terms of Service Agreement

Please read this Terms of Service Agreement (the “Agreement”) very carefully before enrolling in or using any products or services offered by Branch.

This Agreement sets forth a legal agreement between you (“you” or “your”) and Branch Messenger, Inc., a Delaware corporation (“Branch”, the “Company”, “our”, “us”, or “we”) governing your access to, and use of, the Branch mobile application (“Branch App”), the Branch Direct service (“Branch Direct”), accessible at direct.branchapp.com or through a compatible third-party mobile application associated with your Workplace (together, the “Branch Direct Website”) as well as any products and services offered or made available by Branch through the Branch App, the Branch Direct Website, or otherwise (the “Services”). The Branch App and the Branch Direct Website are collectively referred to as the “Branch Platforms.”

THIS AGREEMENT INCLUDES A BINDING ARBITRATION AGREEMENT SET OUT IN SECTION 15 BELOW, WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING AND FINAL ARBITRATION. THE ARBITRATION AGREEMENT ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE REFER TO THAT SECTION FOR MORE INFORMATION.

THIS AGREEMENT EXPLAINS HOW YOU MAY CONSENT TO RECEIVE MARKETING CALLS AND TEXT MESSAGES FROM BRANCH SENT USING AUTOMATED TECHNOLOGY, AND HOW TO OPT OUT. YOU WILL RECEIVE MARKETING TEXTS ONLY IF YOU OPT IN. SUCH CONSENT IS NOT A CONDITION OF USING ANY BRANCH PRODUCT OR SERVICE, AND YOU MAY OPT OUT AT ANY TIME BY REPLYING STOP OR BY ANY OTHER REASONABLE MEANS. SEE THE COMMUNICATIONS AND CONSENT SECTION.

1. BRANCH IS A TECHNOLOGY SERVICE PROVIDER, NOT A BANK
   
   Branch is a technology service provider and not a bank. All banking services described are provided by one of Branch’s sponsor banks, Evolve Bank & Trust, Member FDIC or Lead Bank, Member FDIC (each, a “Sponsor Bank”). Branch does not take deposits. Funds held in connection with a Branch Wallet are held by the applicable Sponsor Bank, and Branch acts only as a service provider and agent with respect to those funds; you retain ownership of your funds and Branch obtains no ownership interest in them. Funds held at a Sponsor Bank are eligible for FDIC insurance on a pass-through basis, up to applicable limits and subject to the conditions set by applicable law and your Sponsor Bank deposit agreement, provided the applicable requirements are met. Where applicable, the name of your Sponsor Bank will be on the back of your Branch Card (defined below).
   ‍
2. ACCEPTANCE OF TERMS AND ELIGIBILITY
   
   You accept and become bound by this Agreement when you affirmatively accept it—for example, by clicking “I agree” or a similar mechanism—when you enroll for, or open an account to access, any Service through a Branch Platform.
   
   When you enroll for, or open an account to access, any Service through a Branch Platform, you represent and warrant to us that: (1) you are a U.S. citizen or a legal resident of the United States or Puerto Rico, subject to any narrower residency requirement specified for the applicable Service, (2) you meet the minimum age requirement in your state of residence to contract with Branch and to use any Service applied for; provided, however, that you must be at least 18 if you have a Branch Wallet and your Sponsor Bank is Lead Bank, and (3) you have not previously been suspended, removed, deactivated, or otherwise denied access to any Service. A Branch Wallet opened for an individual under 18, where permitted by the applicable Sponsor Bank, is a “Minor Account.” Minor Accounts are subject to the Sponsor Bank’s minimum age and identity-verification requirements, and certain Services and features may not be available.
   
   The Services will also be subject to other terms, conditions or agreements provided by Branch, your Sponsor Bank or third parties involved in the provision of each specific Service.
   
   If you do not agree with any of the terms herein, you may not access or use the Branch Platforms or any of the Services. In addition, you may only use the Branch Platforms and the Services for their intended purposes and solely in accordance with the terms of this Agreement and any related agreement you are required to execute in connection with the Branch Platforms or any Service. Branch is not responsible for the security, accuracy or content contained in any websites or third-party resources that may be linked to or referenced on the Branch Platforms or in any document related to any Service. This Agreement will remain applicable even if you are presented with, and agree to, other terms presented by third parties found on the Branch Platforms or in any document related to any Service.
   ‍
3. BRANCH SERVICES
   
   Branch makes its Services available through partnerships with employers, workplaces, and companies associated with them (collectively, “Workplaces”). Your ability to apply for or receive any particular Service depends first on whether a Workplace has contracted with Branch to make that Service available to you. Certain Services are subject to further conditions — for example, some are available only if you hold a Branch Wallet, and some depend on the type of Branch Wallet you have. In every case, your eligibility to open or use a Service also remains subject to the specific application, eligibility, and verification requirements, including those set forth below.
   
   Branch’s Services include making funds you have earned or that are owed to you available to you quickly through proprietary Branch products, such as the Branch Wallets and Branch Direct. Branch also offers financial wellness products, rewards programs, and other products and services, whether accessed through the Branch App or otherwise, including the following:
   ‍
   
   1. PAYOUTS. There are multiple types of funds you may be able to receive using Branch Services depending upon the nature of Branch’s relationship with your Workplace. All of the below are collectively referred to as “Payouts”:
      ‍
      
      1. Disbursements. These are earnings owed to you by a Workplace, such as tips, mileage, reimbursements, and other payments. Branch will pay the disbursements and will recover those amounts directly from your Workplace.
         ‍
      2. On Demand Pay. Access to earned wages prior to your next regularly scheduled payday or other direct deposit. Depending on the program your Workplace has chosen to offer, earned wage advances will be recovered from your Workplace or directly from your bank account. The terms of Branch’s On Demand Pay Programs can be found in the On Demand Pay Terms of Service (the “On Demand Pay Terms”) and the Direct to Consumer On Demand Pay Terms of Service (the “Direct On Demand Pay Terms”).
         ‍
      3. Paycheck Direct Deposit. Your pay can be deposited into your Branch Wallet, and may arrive up to two days before your scheduled payday, depending on when your Workplace submits payroll.
         ‍
   2. BRANCH WALLETS. Depending on the Services made available through your Workplace, you may apply to open a Branch consumer or business wallet (each, a “Branch Wallet”) to receive your eligible Payouts. Each Branch Wallet consists of a deposit account and a corresponding debit card opened through one of our Sponsor Banks. Branch Wallets are accessible through the Branch App.
      
      Once your Branch Wallet is open, you will be able to: view and use a digital version of your card immediately after approval — including by adding it to Apple Pay® or Google Pay® — before your physical card arrives; set up direct deposit; view your balance, transaction details, and statements in the Branch App; use your card at over 55,000 ATMs in the Allpoint network; receive in-app transaction notifications; earn cash back and discounts through Branch’s Rewards Program; lock and unlock your card for security; and access in-app customer support. Availability of certain features — including transfers to and from linked accounts, retail cash deposits, early access to earnings through Branch’s On Demand Pay Program, and the CSV statement generator for accounting and tax software — varies by wallet type, as described below.
      
      Your use of any Branch Wallet is governed by this Agreement and the corresponding account opening agreements provided to you by the Sponsor Bank.
      ‍
      
      1. Consumer Wallets. Available to individual employees, a Consumer Wallet includes a consumer deposit account opened at one of our Sponsor Banks and a corresponding “Branch Card,” a consumer debit card. Consumer Wallets are offered in two types:
         ‍
         
         • Premier. The full-featured Consumer Wallet, consisting of a “Branch Premier Account” and a Branch Card.
           ‍
         • Essential. A more limited Consumer Wallet, consisting of a “Branch Essential Account” and a Branch Card, offered where your employer or other entity paying you has made it available. You may be routed to an Essential Wallet if you have not completed all identity-verification requirements for a Premier Wallet. You may apply to upgrade to a Branch Premier Account at any time upon satisfying the Sponsor Bank’s identity-verification requirements.
           ‍
   3. BRANCH DIRECT. Branch Direct lets you receive the Payouts described below in a bank account you hold outside of Branch (your “Bank Account”), instead of in a Branch Wallet, except where the applicable Service permits your Branch Wallet to serve as that account. Branch delivers those Payouts using a debit card you connect to that account. Branch Direct is accessible through the Branch Direct Website. Depending on what your Workplace makes available, you can use Branch Direct to receive disbursements, On Demand Pay, or Direct On Demand Pay. Fee amounts, delivery options, and the method by which Branch recovers funds paid to you depend on the Service and on your Workplace’s arrangement with Branch. Your use of Branch Direct is governed by this Agreement and the Branch Direct Terms of Service (the “Branch Direct Terms”).
      ‍
   4. OTHER SERVICES AND FEATURES OFFERED THROUGH THE BRANCH APP.
      ‍
      
      1. High Yield Savings. High Yield Savings lets you set money aside from your Branch Wallet and earn interest on the funds you save, where available to you. There is no minimum balance, and no direct deposit or card spending requirement. You can move money between your Branch Wallet and High Yield Savings whenever you like, including through recurring transfers, but High Yield Savings does not support card access, ATM withdrawals, or transfers directly to or from other financial institutions. The interest rate is variable. Your use of High Yield Savings is governed by this Agreement and the applicable High Yield Savings terms.
         ‍
      2. Savings Goal. Branch allows you to set aside money for a savings goal within your Branch Wallet. With this feature, you can determine the amounts and dates you want to move funds to and from your savings goal balance.
         ‍
      3. Branch Rewards Program. All Branch accountholders are automatically enrolled in the Branch Rewards Program, which allows you to earn cashback or discounts for purchases of everyday goods and services from participating merchants using your Branch Card. In addition, all Branch Business Cardholders are automatically enrolled in the Mastercard Easy Savings Small Business Loyalty Program.
         ‍
      4. CashFlow Budgeting Services. As part of Branch’s commitment to financial wellness, the Branch App offers “CashFlow,” which is a tool to help you manage your budget and spending.
         ‍
      5. Greenhouse Marketplace. Branch also offers access to Greenhouse, which is a marketplace hosted and managed by MoneyLion Technologies that lets you browse and apply for various financial products or services offered through MoneyLion by its partner organizations. You can submit a single application to multiple lenders for personal loans, credit cards, auto loans and other financial products. To use Greenhouse, users may be required to follow additional application or authentication processes as stipulated by MoneyLion or its partners. Branch is not responsible for the accuracy of any information contained in Greenhouse about products and services.
         
         Certain financial wellness products, offerings and services described herein or available through third party providers found on the Branch App are offered through third party platforms (e.g., Greenhouse, etc.) which may compensate Branch for your access to, application for, or use of, certain products or services available through the Branch App. Note: Branch is not a financial advisor or a financial planner. We do not make any representations or guarantees that any of the financial services or products available through third party platforms are suitable for you.
         ‍
4. IDENTITY VERIFICATION AND YOUR INFORMATION
   ‍
   
   1. Identity Verification. To open a Branch Wallet, or to use Branch Direct or certain other Services, Branch—and, in connection with a Branch Wallet, the Sponsor Bank—may be required to collect personal information (including your Social Security number and email address) and to verify your identity. You authorize Branch and the Sponsor Bank to make any inquiries we consider appropriate to validate your identity. If you do not respond, or we cannot verify your identity, Branch or the Sponsor Bank may refuse to open or maintain a Branch Wallet for you, or to provide Branch Direct or other Services. Branch Essential Accounts are subject to modified identity-verification requirements.
      
      To help the government fight the funding of terrorism and money laundering, federal law requires all financial institutions to obtain, verify, and record information identifying each person who opens an account. What this means for you: when you open an account or use certain Services, we will ask for your name, address, date of birth, and other information that allows us to identify you, and may ask to see your driver’s license or other identifying documents.
      ‍
   2. Accurate Information. You must provide true, accurate, current, and complete information that Branch requests, and you represent that you are the legal owner of, and are authorized to provide, all information you give us—including, for Branch Direct, your Bank Account information. If you provide information that is untrue or inaccurate, or Branch reasonably suspects it is, Branch and/or the Sponsor Bank may suspend or terminate your use of the Branch Platforms and the Services.
      ‍
   3. Consent to Use of Personal Information. You consent to Branch providing your personal information to the Sponsor Bank (in connection with a Branch Wallet) and to any third party engaged by Branch or the Sponsor Bank to verify your identity, including as required under applicable law (such as Financial Crimes Enforcement Network rules). Branch will retain and use personal information in accordance with Branch’s Privacy Policy.
      ‍
   4. Obligation to Update Information. If any information you provided changes while you are using any Service, you agree to update it with Branch through the Branch Platforms as soon as possible.
      ‍
5. LICENSE TO USE THE BRANCH PLATFORMS
   ‍
   
   1. Minimum Technology Requirements For Branch App or Services. To access and use the Branch App or any Services (other than for Branch Direct), you must have a mobile device or smartphone which runs either Apple iOS 13.0 or higher or Android 9 (or higher), with access to the internet. You must also have a valid email address and sufficient storage space to install the Branch App and any other required applications. The Branch App is available through the Apple® App Store (for Apple devices) and Google Play Store™ (for Android™ devices). Branch Direct is accessed through a web browser and does not require the Branch App; to use Branch Direct, you must have a compatible, up-to-date web browser, a valid email address, and access to the internet.
      ‍
   2. Branch App License. Subject to your compliance with the Agreement, Branch grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install and use the Branch App on mobile device(s) that you own or control and to run the Branch App solely for your own personal or business purposes. Furthermore, with respect to any Branch App accessed through or downloaded from the Apple App Store (an “App Store Sourced Application”), you will only use such App Store Sourced Application (a) on an Apple-branded product that runs iOS (Apple’s proprietary operating system) and (b) as permitted by the usage rules set forth in the Apple App Store Terms of Service. You acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of the license terms applicable to any App Store Sourced Application, and that, upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce those terms against you as a third-party beneficiary.
      
      Notwithstanding the first sentence in this section, with respect to any Branch App accessed through or downloaded from the Google Play store (a “Google Play Sourced Application”), you may have additional license rights with respect to use of such Google Play Sourced Application on a shared basis within your designated family group.
      ‍
   3. Branch Direct Website License. Subject to your compliance with this Agreement, Branch grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Branch Direct Website, and the content and functionality made available through it, solely for your own personal or business purposes in connection with the Services. Branch reserves all rights not expressly granted.
      ‍
   4. Updates. You understand that the Branch Platforms and Services are evolving. As a result, Branch may require you to accept updates to the Branch Platforms and Services that you have installed on your mobile device. You acknowledge and agree that Branch may update the Branch Platforms and Services with or without notifying you. You may need to update third-party software from time to time to use the Branch Platforms or Services.
      ‍
6. ACCEPTABLE USE AND USER CONDUCT
   ‍
   
   1. Acceptable Use. As a condition of use, you agree not to use the Branch Platforms or the Services for any purpose that is prohibited by this Agreement, any additional agreement related to the Service or applicable law. You may not (and shall not permit any third party to) use the Branch Platforms or the Services to make any content available on or through the Branch Platforms or the Services:
      
      
      1. For any illegal purpose;
         ‍
      2. To contact any other user without that person’s permission;
         ‍
      3. For data mining, scraping, or releasing spiders, robots, web crawlers, or any other data gathering or extraction tools to collect any information from the Branch Platforms or the Services, except to the extent indexed by general purpose public search engines;
         ‍
      4. To compete with Branch;
         ‍
      5. For modifying, copying, distributing, displaying, performing, reproducing, publishing, licensing, creating derivative works from, transferring, or selling any content available through the Branch Platforms or the Services;
         ‍
      6. To attempt to gain unauthorized access to the Branch Platforms or the Services or interfere with the Branch Platforms or the Services by any means including introduction of malware or excessive usage or network traffic;
         ‍
      7. To access or collect any personally identifiable information of other persons; or
         ‍
      8. To interfere with any security features of the Branch Platforms or the Services.
         ‍
      You acknowledge and agree that the unauthorized or unlawful use of the Branch Platforms or the Services could cause irreparable harm to Branch and that in the event of such unauthorized or unlawful use, Branch shall be entitled to an injunction in addition to any other remedies available at law or in equity.
      ‍
   2. Misuse. If Branch reasonably concludes that you have provided Branch with untrue or inaccurate information or are failing to comply with this Agreement or any additional agreement related to any Service, then Branch may take various actions, including suspending your access to the Branch Platforms or the Services or terminating your Branch account. If Branch bans you from the Branch Platforms and/or the Services, you may not return for any reason or in any manner including with a new username or identity. If you return, or attempt to return, after you’ve been banned, you will be deemed to have breached this Agreement, and Branch reserves the right to pursue all rights and remedies available at law or in equity with respect to such breach.
      ‍
   3. Compliance with Laws. In your use of the Branch Platforms and the Services, you shall comply with all applicable laws, including without limitation laws governing the protection of personally identifiable information.
      ‍
   4. Prohibited Conduct and Communications. In your use of the Branch Wallet and any Services or in your communications with Branch or Branch employees, you are prohibited from making statements or posting, transmitting, or sharing any content or material that is, or may be reasonably considered to be, offensive, unlawful, threatening, obscene, hateful, racially offensive, homophobic, profane, showing religious bias, sexual in nature, illegal, or intimidating in any way. Any such behavior will result in termination of your Branch Wallet and any Services and if the behavior rises to a criminal or civil offense, or violates any law, Branch and/or the Sponsor Bank may elect to refer the conduct to appropriate law enforcement authorities.
      ‍
7. ACCOUNT AND CREDENTIAL SECURITY
   ‍
   You are solely responsible for maintaining the confidentiality and security of your credentials for the Branch Platforms and the Services, including usernames, passwords, PINs, and any other access information. It is strongly advised that you do not share your credentials with any third party and refrain from storing them in easily accessible locations. In the event of suspected unauthorized access to your account or your use of any Service, or any potential compromise of your credentials, you must immediately notify Branch’s customer support at (866) 547-2413. If you have a business account, Branch shall not be held liable for any loss or damage arising from unauthorized use of your account due to your failure to adequately safeguard your credentials.
   ‍
8. COMMUNICATIONS AND CONSENT
   ‍
   
   1. Consent to Communications Generally. When you provide your contact information to Branch or use the Branch Platforms or Services, you consent to receive operational, transactional, and informational communications from Branch and its affiliates and service providers — by email, telephone call, text/SMS/MMS message, and in-app or push notification — including messages about your account, transactions, security, your use of the Branch Platforms and Services, and updates about features. Marketing and promotional messages are sent only as described in Section 8.B. Message and data rates may apply, message frequency varies, and standard carrier charges apply to messages we send or that you send to us.
      ‍
   2. Consent to Marketing and Telemarketing Messages (TCPA). Branch will not send you marketing or promotional calls or text messages using automated or autodialing technology or an artificial or prerecorded voice unless you opt in. Branch may send you a message inviting you to opt in; if you affirmatively respond, or otherwise opt in, you give your prior express written consent to receive recurring marketing and promotional calls and text messages from Branch, sent using such technology, at the telephone number associated with your account, and your affirmative response constitutes your signature under the federal E-SIGN Act. This consent is not required as a condition of purchasing any product or service, opening or maintaining any account, or using the Branch Platforms or Services, and you may revoke it at any time by any reasonable means, including by replying STOP.
      ‍
   3. Text Message Programs. Branch may offer one or more mobile messaging programs (each, a “Message Service”) that you can join by opting in — for example, by responding to a Branch message, completing an enrollment form, or texting a keyword to a short code or number we designate. By enrolling a telephone number in a Message Service, you authorize Branch to send recurring SMS and MMS messages to that number. Branch does not charge for the Message Service, but you are responsible for any charges your wireless carrier imposes. For help, reply HELP to any message or email support@branchapp.com.
      ‍
   4. Opting Out and Revoking Consent. You may revoke your consent and opt out of marketing communications at any time, by any reasonable means. For text messages, the easiest way is to reply STOP — we also honor other words that clearly indicate you want to stop, such as “quit,” “end,” “cancel,” “unsubscribe,” “revoke,” or “opt out.” You may also opt out by emailing support@branchapp.com, by adjusting your communication preferences in your account or the Branch App, or through any other reasonable method. We will honor your request as soon as practicable and no later than ten (10) business days after we receive it. For promotional emails, follow the unsubscribe instructions in the email. You may receive a single confirmation message after you opt out. Opting out of marketing communications will not stop transactional or operational messages necessary to your account or your use of the Services, and opting out of all messages may affect your use of certain features. If you enroll in more than one Message Service, you may need to opt out of each separately.
      ‍
   5. Your Telephone Number. You represent that you are the subscriber or customary user of any telephone number associated with your account or that you provide to Branch, and that you are authorized to receive messages at that number. You agree to notify Branch promptly — and to opt out of any applicable Message Service — before you relinquish, change, or transfer the number, so that messages are not sent to a later user of the number.
      ‍
   6. Carrier and Delivery Disclaimers. The Message Service may not be available in all areas, on all carriers, or on all devices, and delivery is subject to effective transmission from your carrier and is outside Branch’s control. To the extent permitted by law, neither Branch nor the wireless carriers are liable for failed, delayed, or undelivered messages. Branch may change any short code or telephone number it uses, with notice to you; messages (including STOP or HELP requests) sent to a short code or number Branch has changed may not be received, and Branch is not responsible for honoring requests sent to a discontinued code or number.
      ‍
   7. Electronic Communications and Disclosures. You agree that Branch may provide disclosures, notices, agreements, and other communications relating to your account, the Services, and Branch Direct—including error-resolution and other transaction notices—to you electronically, including by email, by text message, or by posting them in the Branch App, on Branch Direct, or on the Branch website. You agree that electronic communications have the same legal effect as if they were provided in paper form, and your agreement to these terms constitutes your consent under the federal E-SIGN Act. Additional terms governing electronic communications are set out in Branch’s Electronic Communication Consent.
      ‍
   8. Dispute Resolution. You acknowledge and agree that any dispute between you and Branch relating to communications or any Message Service is governed by the Arbitration Agreement.
      ‍
9. PRIVACY AND TRANSMISSION OF INFORMATION
   ‍
   Branch maintains a Privacy Policy that details how we manage and protect your personal information. You are required to agree to the terms of the Privacy Policy at the same time you are presented with and agree to this Agreement. Notwithstanding the foregoing, and subject to applicable privacy law (including, without limitation, the Gramm-Leach-Bliley Act and the California Consumer Privacy Act) and the terms of Branch’s Privacy Policy, any material, information or ideas that you transmit or post to or through the Branch Platforms or on any platform managed by Branch by any means, other than nonpublic personal financial information, will be treated as non-confidential and non-proprietary, despite any legends to the contrary and may be used by Branch for any lawful purpose.
   ‍
10. INTELLECTUAL PROPERTY
    ‍
    
    1. Ownership. Branch Platforms and the Services, and all content, software, and materials made available through them, are the exclusive property of Branch and its licensors and are protected by law, including without limitation United States copyright law, trademark law, and applicable international treaties. Subject to the limited rights expressly granted in this Agreement, Branch reserves all right, title, and interest in and to the Branch Platforms and the Services, including all intellectual property rights. No rights or licenses, express or implied, are granted to you except as expressly stated in this Agreement.
       ‍
    2. Use Restrictions. Except as expressly permitted in this Agreement, you may not copy, “mirror,” reproduce, distribute, publish, display, download, transmit, modify, or create derivative works from any content contained in the Branch Platforms or any Service without Branch’s prior written consent. The look and feel of the Branch Platforms and the Services, including any custom fonts, graphics, and button icons, is the property of Branch, and you may not copy, imitate, or use it, in whole or in part. You will not remove, alter, or obscure any copyright, trademark, service mark, or other proprietary rights notice incorporated in or accompanying the Branch Platforms or any Service.
       ‍
    3. Branch Trademarks. Branch, the Branch logo, and all other related logos and associated goodwill of Branch used or exhibited on or in connection with the Branch Platforms or any Service (collectively, the “Branch Trademarks”) are trademarks or service marks of Branch. Other product and service names and logos used or exhibited on, or in connection with, any Service may be trademarks or service marks owned by others. Nothing in the Branch Platforms or any Service should be interpreted as granting, by association, estoppel, or otherwise, any license or right to use any Branch Trademark without our prior written permission. You may not use, copy, display, distribute, modify, or reproduce any Branch Trademark without prior written permission from Branch, and you may not use any Branch Trademark as part of a link to or from any site without our prior written approval. Questions about the use of any Branch Trademark, or whether any mark or logo is a Branch Trademark, should be referred to branchlegal@branchapp.com.
       ‍
    4. Links to Other Sites. The Branch Platforms contain links to independent third-party websites, and we may provide links to third-party websites as part of the Services (in all cases, “Linked Sites”). Linked Sites are not under our control, and we are not responsible for the content of any Linked Site, including any products, information, or materials on it. It is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of Linked Site content, and any terms, privacy policies, and other provisions that govern access to and use of those sites and any products or services provided through them.
       ‍
    5. Feedback. If you provide Branch with any suggestions, ideas, or other feedback about the Branch Platforms or the Services, you grant Branch a perpetual, irrevocable, worldwide, royalty-free license to use and exploit that feedback for any purpose, without any obligation or compensation to you, and Branch may treat any such feedback as non-confidential.
       ‍
11. DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
    ‍
    
    1. Disclaimer of Warranties. EXCEPT AS OTHERWISE SET FORTH IN THIS AGREEMENT AND EXCEPT AS PROVIDED IN SUBSECTION E (EXCEPTIONS), BRANCH AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, “SUPPLIERS”) DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTY OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THE IMPLIED CONDITION OF SATISFACTORY QUALITY. THE BRANCH PLATFORMS AND THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND YOUR USE OF THEM IS AT YOUR OWN RISK. BRANCH AND ITS SUPPLIERS DO NOT WARRANT THAT THE BRANCH PLATFORMS OR THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ANY INFORMATION OBTAINED THROUGH THEM IS ACCURATE OR RELIABLE; THAT ANY DEFECTS WILL BE CORRECTED; OR THAT THE BRANCH PLATFORMS OR THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. BRANCH AND ITS SUPPLIERS ASSUME NO RESPONSIBILITY, AND WILL NOT BE LIABLE, FOR ANY DAMAGE TO, OR VIRUSES THAT MAY INFECT, YOUR HARDWARE, SOFTWARE, DATA, OR OTHER PROPERTY. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF IMPLIED WARRANTIES, PORTIONS OF THIS SUBSECTION MAY NOT APPLY TO YOU.
       ‍
    2. Limitation of Liability. EXCEPT AS PROVIDED IN SUBSECTION E (EXCEPTIONS), IN NO EVENT WILL BRANCH OR ITS SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING FROM OR RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE BRANCH PLATFORMS OR THE SERVICES, OR ANY INFORMATION, DATA, OR MATERIAL TRANSMITTED THROUGH THEM, UNDER ANY THEORY OF WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR OTHERWISE, AND EVEN IF BRANCH OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. EXCEPT AS PROVIDED IN SUBSECTION E (EXCEPTIONS), BRANCH’S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS, REGARDLESS OF THE FORM OF ACTION, WILL NOT EXCEED THE GREATEST OF (i) THE AMOUNT YOU PAID BRANCH FOR USE OF THE BRANCH PLATFORMS OR THE SERVICES DURING THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, (ii) THE VALUE OF THE SPECIFIC TRANSACTION GIVING RISE TO THE CLAIM, OR (iii) FIVE HUNDRED DOLLARS ($500). BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE MAY NOT APPLY TO YOU.
       ‍
    3. Service Availability and Interruptions. Your access to and use of the Branch Platforms or the Services may be interrupted from time to time for several reasons, including equipment malfunction, periodic updating, maintenance or repair, or other actions Branch may elect to take in its sole discretion. To the fullest extent permitted by law, Branch will not be liable for any loss, cost, or damage resulting from any period of downtime of the Branch Platforms or the Services.
       ‍
    4. Sole and Exclusive Remedy. If you are dissatisfied with any portion of the Branch Platforms or the Services, or with this Agreement, your sole and exclusive remedy is to discontinue using the Branch Platforms and the Services.
       ‍
    5. Exceptions. Nothing in this Section: (a) excludes or limits any liability that cannot be excluded or limited under applicable law; or (b) affects Branch’s obligations under applicable law in connection with deposit accounts, payment services, and other regulated financial services.
       ‍
12. INDEMNIFICATION
    ‍
    You shall defend, indemnify, and hold harmless Branch and each of its shareholders, directors, officers, employees, agents, representatives, third-party service providers and suppliers against any and all claims, suits, or proceedings (including resulting liabilities, damages and/or costs (such as, but not limited to, reasonable attorneys’ fees)) (collectively, “Losses”) to the extent arising out of: (a) your access to or use of the Branch Platforms or any Service in violation of this Agreement or any additional agreement entered into in connection with any Service; (b) your violation of any rights of another party, including any other Branch user; (c) your violation of any applicable laws, rules or regulations; or (d) your gross negligence or willful misconduct. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate as fully as reasonably required in our defense of such claim. You agree not to settle any matter without the prior written consent of Branch.
    ‍
13. MODIFICATIONS
    ‍
    This Agreement may be modified by Branch at any time by updating and posting notice of the changes, or a new version of this Agreement, on the Branch Platforms or by notifying you of the changes or the revised Agreement via text message or email. For material changes to this Agreement, Branch will provide at least thirty (30) days’ advance notice before such changes take effect, except where a shorter notice period is required by applicable law or regulation or is necessary to protect against fraud, security threats, or illegal activity. You should periodically check the Branch Platforms for notice of changes to this Agreement. Except as provided in the Arbitration Agreement, by continuing to use the Branch Platforms or the Services after the effective date of any change, you agree to be bound by the terms and conditions of the version of this Agreement then in force.
    ‍
14. TERM AND TERMINATION
    ‍
    Branch may in its absolute discretion suspend or terminate your access to and use of the Branch Platforms or the Services; provided that, except where termination or suspension: (a) is based on your violation of this Agreement, applicable law, or regulatory requirements; (b) is necessary to prevent fraud, illegal activity, or harm to Branch or third parties; or (c) results from your ceasing to be eligible for a Service, including where a Workplace notifies Branch that your employment or engagement has ended or been suspended or that it has discontinued offering a Service, Branch will provide you with at least ten (10) days’ prior written notice of such suspension or termination. Branch also reserves the right to modify or discontinue, either temporarily or permanently, any portions of, or all of, the Branch Platforms or the Services at any time, with or without notice, subject to applicable law.
    
    Branch will not suspend or terminate your access to any Service other than the On Demand Pay program under which an Advance was taken because that Advance was not repaid or because you cancelled a scheduled Advance repayment. This does not limit Branch’s rights under this Section on grounds independent of your non-repayment or cancellation.
    
    The following provisions of this Agreement shall survive termination of your use or access to the Branch Platforms or the Services: Indemnification, Disclaimer of Warranties, Limitation of Liability, the Arbitration Agreement, and any other provision that by its terms survives termination of your use of, or access to, the Branch Platforms or the Services.
    ‍
15. ARBITRATION AGREEMENT
    ‍
    PLEASE READ THIS SECTION (THE “ARBITRATION AGREEMENT”) CAREFULLY. UNLESS YOU OPT OUT AS DESCRIBED BELOW, IT REQUIRES MANDATORY BINDING ARBITRATION OF DISPUTES ON AN INDIVIDUAL BASIS AND WAIVES YOUR RIGHTS TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.
    
    IF YOU ARE A COVERED MEMBER, OR DEPENDENT OF A COVERED MEMBER, UNDER THE MILITARY LENDING ACT (32 C.F.R. § 232.3) AT THE TIME YOU ENTER INTO THIS AGREEMENT, THIS ARBITRATION AGREEMENT DOES NOT APPLY TO AND DOES NOT BIND YOU, EVEN IF YOU DO NOT OPT OUT.
    ‍
    
    1. Disputes Covered. You and Branch agree that any dispute, claim, or controversy arising out of or relating to your access to or use of the Branch Platforms or the Services, any communications you receive, any products offered through them, or this Agreement (including prior and future versions, and including disputes arising before or after this Agreement) (each, a “Dispute”) will be resolved by binding, individual arbitration, except that: (i) either party may bring a qualifying claim in small claims court; and (ii) either party may seek injunctive or equitable relief in court for actual or threatened infringement or misuse of intellectual property. Any permitted court or arbitration action is a “Proceeding.”
       ‍
    2. Informal Dispute Resolution (Required First Step). Before starting a Proceeding, the initiating party must give the other written notice of the Dispute (“DisputeNotice”) and the parties must try in good faith to resolve it. You send Dispute Notice to branchlegal@branchapp.com or 3723 Greenville Ave STE 43694, Dallas, TX 75206; Branch sends Dispute Notice to the email or mailing address on file for you, which you must keep current. The Dispute Notice must be individually signed by the party giving it and must state the claimant’s name and contact information (and counsel’s, if any), the account email, and a description of the Dispute and the specific relief sought. Within 45 days after Dispute Notice, the parties — each personally, even if represented by counsel — will meet by phone or videoconference to try to resolve the Dispute. Conferences are individual: a separate conference is held for each claimant and may not be combined with others, even if the same firm represents multiple claimants, unless all parties agree. Applicable limitations periods and filing deadlines are tolled during this process. If the Dispute is not resolved, either party may begin arbitration after the later of (i) 45 days from the Dispute Notice or (ii) the conference. Completing this process is a precondition to any Proceeding, and a court may enjoin a Proceeding filed before it is completed.
       ‍
    3. Jury Trial Waiver. YOU AND BRANCH WAIVE THE RIGHT TO SUE IN COURT AND TO A TRIAL BEFORE A JUDGE OR JURY, except as stated in this Arbitration Agreement. An arbitrator can award the same individual relief a court could, but there is no judge or jury, and review of an arbitration award is limited.
       ‍
    4. Class Action Waiver. YOU AND BRANCH AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION. ONLY INDIVIDUAL RELIEF IS AVAILABLE, and the arbitrator may award declaratory or injunctive relief only to the individual party and only as necessary for that party’s claim. This does not limit the Batch Arbitration process in subsection (L). If a court finds this waiver unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), that claim or request will be severed and heard in the state or federal courts located in Delaware, and stayed until the arbitration of all other claims concludes; severed claims may not themselves proceed as part of a class or representative action. Nothing here prevents a class-wide or mass settlement.
       ‍
    5. Federal Arbitration Act; Rules; Administrator. This Agreement involves interstate commerce, and the Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement and any arbitration. Arbitration will be administered by National Arbitration and Mediation (“NAM”) under its Comprehensive Dispute Resolution Rules, as supplemented by its Mass Filing Rules where applicable (together, the “NAM Rules”), as modified by this Arbitration Agreement. The NAM Rules are available at www.namadr.com/resources/rules-fees-forms. If NAM is unavailable, the parties will agree on another administrator.
       ‍
    6. Starting Arbitration. To start arbitration, a party sends the other a demand (“Demand”) stating: the claimant’s name and contact information (and counsel’s, if any) and the account email; the legal claims and their factual basis; the relief sought and a good-faith calculation of the amount in controversy in U.S. dollars; certification that Informal Dispute Resolution is complete; and certification that the party will pay any required filing fees. The Demand must be signed by the party and its counsel, if any.
       ‍
    7. Location and Fees. Unless Batch Arbitration applies, arbitration will be conducted remotely or in the county where you reside. The arbitrator may order a limited, reasonable exchange of information consistent with the expedited nature of arbitration. Your responsibility for NAM (or any alternative administrator’s) fees is governed by the applicable fee schedules.
       ‍
    8. Confidentiality. The parties will keep confidential all materials exchanged in the arbitration, except as shared with a party’s attorneys, accountants, or business advisors who agree to keep them confidential.
       ‍
    9. Arbitrator. The arbitrator will be a retired judge or a licensed attorney from NAM’s consumer-dispute roster, selected by the parties. If the parties do not agree within 35 days after the Demand, NAM will appoint the arbitrator under the NAM Rules; in Batch Arbitration, NAM appoints the arbitrator for each batch without party input.
       ‍
    10. Authority of the Arbitrator. The arbitrator has exclusive authority to resolve all Disputes, including the interpretation, enforceability, revocability, scope, or validity of this Arbitration Agreement — except that any dispute about the enforceability or breach of the Class Action Waiver in subsection (D) is for a court, not the arbitrator, to decide. Arbitrations will not be consolidated or joined except under Batch Arbitration (subsection (L)). The arbitrator may decide dispositive motions and will issue a reasoned written award stating the essential findings and any damages calculation. The award is final and binding, and judgment may be entered in any court of competent jurisdiction.
        ‍
    11. Attorneys’ Fees and Costs. Each party bears its own attorneys’ fees and costs, unless fee-shifting is authorized by law or the NAM Rules, or the arbitrator finds a claim or relief request frivolous or brought for an improper purpose (under the standard of Fed. R. Civ. P. 11(b)). If a party must obtain a court order to compel arbitration, the party that obtains the order may recover its reasonable costs and attorneys’ fees for doing so. The prevailing party in any court action over whether a precondition to arbitration (including Informal Dispute Resolution) was satisfied may recover its reasonable costs and attorneys’ fees.
        ‍
    12. Mass Filings (Batch Arbitration). If 25 or more Demands of a substantially similar nature are filed against Branch by or with the assistance of the same law firm(s) or organization(s) within a reasonably proximate period (for example, 90 days), the Demands will be administered by NAM in batches of up to 100, with one arbitrator, one set of fees, one schedule, one hearing (if any), and one final award per batch, administered concurrently to the extent possible. Demands are of a “substantially similar nature” if they arise from the same or a similar event or facts and raise the same or similar legal issues and relief. If the parties disagree on whether Batch Arbitration applies, NAM will appoint a single Administrative Arbitrator, whose fees Branch will pay, to decide using expedited procedures. The parties will cooperate in good faith to implement batching efficiently, which may include a discovery special master and an expedited calendar. Batch Arbitration does not authorize class or collective arbitration and applies only as stated here.
        ‍
    13. Your Right to Opt Out of Arbitration. You may opt out of this entire Arbitration Agreement by sending written notice within 30 days after first becoming subject to it by email at branchlegal@branchapp.com, or by mail to Branch Messenger, Inc., 3723 Greenville Ave STE 43694, Dallas, TX 75206. The notice must include your name and address, the account email (if any), and a clear statement that you want to opt out of arbitration, and it must be personally signed and sent by you (electronic signature via email suffices); opt-outs submitted by a third party or on a group basis are not effective. If you opt out, the rest of this Agreement still applies. Opting out does not affect any other arbitration agreement between you and Branch, including a prior version you did not opt out of or any you enter later.
        ‍
    14. Future Changes to this Arbitration Agreement; Your Right to Reject. If Branch makes a material change to this Arbitration Agreement, Branch will notify you and post the updated version at branchapp.com/legal/terms, and the change will not take effect for at least 30 days after that notice. You may reject the change by sending Branch written notice within 30 days after the notice of change, at the email address or address in subsection (M). If you reject the change, the version of this Arbitration Agreement in effect immediately before the change will continue to govern Disputes between you and Branch; rejecting a change is not a withdrawal from arbitration and does not affect any other provision of this Agreement. If you do not reject a material change within 30 days, it applies to you. Non-material changes are effective when posted. A material change does not reopen the initial opt-out right in subsection (M) for users who previously agreed to arbitration and did not opt out, and Branch will continue to honor prior valid opt-outs. No change applies to a Dispute for which a Dispute Notice was given before the change took effect.
        ‍
    15. Severability; Survival; Time to File. Except as provided in subsection (D) (Class Action Waiver), if any part of this Arbitration Agreement is found invalid or unenforceable, that part will be severed and the remainder will stay in effect. However, if the Batch Arbitration provision (subsection (L)) is found invalid or unenforceable, this entire Arbitration Agreement will be void and Disputes will be heard in the state or federal courts located in Delaware, provided that the Class Action Waiver in subsection (D) will survive and continue to apply in any such proceeding. Any Dispute must be commenced within the applicable statute of limitations or it is permanently barred. This Arbitration Agreement survives termination of your relationship with Branch.
        ‍
16. GENERAL PROVISIONS
    ‍
    
    1. Entire Agreement; Order of Precedence. This Agreement, together with the terms and disclosures it expressly incorporates (including at least, as applicable, the On Demand Pay Terms, the Direct On Demand Pay Terms, the Branch Direct Terms, the Sponsor Bank deposit and cardholder agreements and related fee schedules, the Electronic Communication Consent, and the Privacy Policy), is the entire agreement between you and Branch regarding your use of the Branch Platforms and the Services, and supersedes any prior agreements on that subject. If there is a conflict, the following order of precedence applies, in each case only as to the subject matter of the document in question:
       ‍
       
       1. the Sponsor Bank deposit and cardholder agreements and related fee schedules govern your deposit account and the card issued with it;
          ‍
       2. the On Demand Pay Terms and the Direct On Demand Pay Terms govern the On Demand Pay program to which each applies;
          ‍
       3. the Branch Direct Terms govern Branch Direct; and
          ‍
       4. this Agreement governs all other matters.
          ‍
    2. Venue; Consent to Jurisdiction. Subject to the Arbitration Agreement, the state or federal courts sitting in Wilmington, Delaware shall have exclusive jurisdiction and venue over any dispute arising out of this Agreement, and you hereby consent to the jurisdiction of such courts.
       ‍
    3. Severability. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity of this Agreement as a whole and any such provision should be enforced by authorities, and reconstructed, if need be, to apply to the maximum extent allowable under applicable law.
       ‍
    4. No Waiver. The failure by either party to enforce at any time any of the provisions of this Agreement, to exercise any election or option provided herein, or to require at any time the performance of the other of any of the provisions herein will not in any way be construed as a waiver of such provisions.
       ‍
    5. Attorneys’ Fees. Reasonable attorneys’ fees and costs will be awarded to the prevailing party in the event of litigation involving the enforcement or interpretation of this Agreement.
       ‍
    6. Headings. The section headings used herein are for convenience only and shall not be given any legal import.
       ‍
    7. Assignment. You may not assign or transfer this Agreement, or any of your rights or obligations under it, without Branch’s prior written consent, and any attempted assignment in violation of this section is void. Branch may assign or transfer this Agreement, in whole or in part, at any time and without notice or consent, including in connection with a merger, acquisition, reorganization, or sale of assets. This Agreement binds and benefits the parties and their permitted successors and assigns.
       ‍
    8. Third-Party Beneficiaries. The Sponsor Banks are intended third-party beneficiaries of this Agreement, including the disclaimers, the limitations of liability, and the Arbitration Agreement, and may enforce those provisions directly against you. Except as expressly provided in this Agreement, there are no other third-party beneficiaries.
       ‍
    9. Notices. Branch may provide notices to you by email, text message, in-app or push notification, or by posting on the Branch Platforms, using the contact information associated with your account, and such notices are effective when sent or posted; you are responsible for keeping your contact information current. You may provide notices to Branch using the contact information in this Agreement or as otherwise specified for a particular purpose (for example, the notice addresses in the Arbitration Agreement). To the extent permitted by law and the Electronic Communication Consent, notices required to be in writing may be provided electronically.
       ‍
    10. Force Majeure. Branch will not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including acts of God, natural disasters, labor disputes, war, terrorism, civil unrest, governmental action, power or telecommunications failures, network or equipment failures, or the acts or omissions of third parties, including Sponsor Banks and payment networks.
        ‍
    11. Governing Law. Except for the Arbitration Agreement section, which is governed by the Federal Arbitration Act (“FAA”), this Agreement and your use of the Branch Platforms and the Services shall be governed by the laws of the State of Delaware without regard to conflict of laws principles.
        ‍
    12. International Use. The Branch Platforms and the Services are controlled and operated by Branch from within the United States. Branch makes no representations that materials contained within the Branch Platforms or the Services are appropriate or available for use in other locations, and access to the Branch Platforms or the Services from locations where such activity is illegal is prohibited. Those who choose to use the Branch Platforms or the Services from other locations do so on their own initiative and are solely responsible for compliance with all applicable laws.
        ‍
17. CONTACT BRANCH
    ‍
    If you have any questions, complaints or claims about the Services, you may direct them to Branch through our Help Center at support.branchapp.com/hc/en-us, or contact us at support@branchapp.com, (866) 547-2413, or at 3723 Greenville Ave STE 43694, Dallas, TX 75206.
    ‍
18. ADDITIONAL STATE DISCLOSURES
    ‍
    
    1. CALIFORNIA CONSUMERS
       ‍
       Branch is registered with the Department of Financial Protection and Innovation (the “DFPI”) under the CCFPL. Branch’s Registration Number with the DFPI is #04-CCFPL-2574503-3482187. The DFPI’s granting of a registration does not constitute a determination that a registrant’s acts, practices, or business model comply with any law or regulation. You may report complaints about us to the Correspondence Unit of the California Department of Consumer Affairs by writing at Division of Programs and Policy Review, Consumer Information Center—Correspondence Unit, 1625 N. Market Blvd., Ste N-112, Sacramento, CA 95834-1924, or by contacting them at www.dca.ca.gov or calling (800) 952-5210.
       ‍
    2. NEVADA CONSUMERS
       ‍
       Branch is licensed as an Earned Wage Access Provider by the State of Nevada, Department of Business and Industry, Financial Institutions Division, under Chapter 604D of the Nevada Revised Statutes, License Number EWA00006.
       
       The Nevada Financial Institutions Division maintains its license records through the Nationwide Multistate Licensing System and Registry. You may confirm Branch’s current Nevada license status at any time through NMLS Consumer Access, the license lookup service designated by the Division, at nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2574503.
       ‍
    3. SOUTH CAROLINA CONSUMERS
       ‍
       If you have any questions, complaints or claims about the Services, you may direct them to Branch through our Help Center at support.branchapp.com/hc/en-us, or contact us at support@branchapp.com, or at 3723 Greenville Ave STE 43694, Dallas, TX 75206. You may also report complaints about us to the South Carolina Department of Consumer Affairs at consumer.sc.gov/consumer-resources/consumer-complaints or by calling them at (800) 922-1594.
       
       As agreed to and explained in further detail in the Electronic Communication Consent, you consent to receive electronically all communications or disclosures related to the Services as a condition to receiving them. If you revoke your consent to receive such communications and disclosures electronically, you understand that we will immediately discontinue your access to the Services.
       ‍
    4. UTAH CONSUMERS
       ‍
       If you have any questions, complaints or claims about the Services, you may direct them to Branch through our Help Center at support.branchapp.com/hc/en-us, or contact us at support@branchapp.com, or at 3723 Greenville Ave STE 43694, Dallas, TX 75206. You may also report complaints about us to the Utah Division of Consumer Protection at services.commerce.utah.gov/dcp-complaint/.