Terms and Conditions

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SITE, THE MONEYLION APP, OR ANY OF OUR SERVICES. THESE TERMS INCLUDE AN AGREEMENT FOR RESOLVING DISPUTES (THE “DISPUTES AGREEMENT”), WHICH IS BINDING ON YOU AND MONEYLION AND INCLUDES, AMONG OTHER THINGS, A MANDATORY ARBITRATION PROVISION AND CLASS ACTION AND JURY TRIAL WAIVERS. BY AGREEING TO THESE TERMS, YOU AGREE TO BE BOUND BY THE DISPUTES AGREEMENT.

Your use of our website at www.moneylion.com and any of its subdomains, and any other websites owned and hosted by MoneyLion (together, our “Site”), and our mobile application (the “MoneyLion App”, and together with our Site, the “MoneyLion Platform”) is governed by these MoneyLion Terms of Service (“MoneyLion Terms”). By using or accessing the MoneyLion Platform, you confirm that you understand and accept these MoneyLion Terms and our Privacy Policy and Financial Privacy Notice, which are incorporated into these MoneyLion Terms by reference, and that you agree to comply with them. You agree that these MoneyLion Terms are the legal equivalent of a signed, written contract and constitute a legally binding agreement between us and you, as a user of the MoneyLion Platform. If you do not agree, you must not use the MoneyLion Platform.

The MoneyLion Platform is operated by MoneyLion Technologies Inc., its affiliates, and agents. All references to “MoneyLion,” “we”, “us” or “our” in these MoneyLion Terms shall include affiliates, which shall mean any entity or person, directly or indirectly, owning a controlling interest in, owned by, or under common ownership or control with, MoneyLion Technologies Inc., including, without limitation, ML Enterprise Inc. (“Engine by MoneyLion” or “Engine”).

We offer access to certain online content, tools, products, services, memberships, and other offerings, including, but not limited to, Financial Services (as defined below) (collectively, “Services”). Services accessed through the MoneyLion Platform may be offered by us or by, or in conjunction with, third-party financial institutions or other partners or service providers. Access to these Services may be subject to additional terms and conditions or other agreements specific to these Services (“Additional Terms”). These MoneyLion Terms hereby incorporate by reference any Additional Terms to which you may agree. If there is a conflict between these MoneyLion Terms and the Additional Terms, such other Additional Terms will take precedence with respect to the specific aspects of the Service to which they apply.

Certain Services, including Memberships (as defined below), may require payment of fees and may renew automatically unless canceled. Fees may be charged on a prepaid or postpaid basis and may vary based on factors such as your account activity, usage, deposits, or other criteria disclosed to you at enrollment. We may offer promotional pricing, free trials, or other incentives, which may be limited in duration, vary by user, or be unavailable to certain users (including users with prior or existing Memberships). Applicable fees, billing terms, and cancellation policies will be disclosed to you prior to enrollment and are governed by the applicable Additional Terms.

We may offer multiple membership programs, plans, or bundled offerings (each, a “Membership”) at the same time. Eligibility for, and access to, a particular Membership may depend on your account status, activity, or other criteria determined by us. In some cases, enrolling in one Membership may require cancellation of or replacement of another Membership. We reserve the right to modify, replace, or discontinue any Membership, including migrating users from one Membership to another, in accordance with these MoneyLion Terms and any applicable Additional Terms.

Subject to applicable law, we may update and amend these MoneyLion Terms from time to time, in our sole discretion, including by adding, deleting or modifying terms. If the changes to these MoneyLion Terms materially modify your rights or obligations, they will be effective on the earlier of the date upon which you consent to them or thirty (30) days from the date on which we notify you of the updates. If the changes do not materially modify your rights or obligations, they will be effective when posted on any part of the MoneyLion Platform, and your continued use of the MoneyLion Platform after the posting of any changes to these MoneyLion Terms will mean that you accept and agree to the changes. Every time you wish to use the MoneyLion Platform, please check these MoneyLion Terms to ensure you understand the terms that apply to you at that time.

In order to access or use any of our Services, you will be required to log into the Site or the MoneyLion App and create an account (your “MoneyLion Account”). To be eligible to use our Services, you must:

We offer access to certain financial products and services (“Financial Services”) that may require establishing accounts through the MoneyLion Platform, either with a MoneyLion entity or a third-party financial institution partner. These Financial Services may be subject to additional eligibility requirements and to Additional Terms, which will be disclosed to you before you sign up. We do not guarantee that you will qualify or be able to use any particular Financial Service, even if your MoneyLion Account is in good standing.

Certain Services and Membership benefits may depend on your eligibility for underlying financial products, successful account setup, or other requirements. Availability of specific features or benefits may vary based on factors such as your location, account status, or applicable law. Not all users will qualify for all Services or benefits, and eligibility may change over time.

We reserve the right to make changes to how we operate our business, including to any portion of the MoneyLion Platform, including adding new Services, modifying existing Services, or suspending, discontinuing, or terminating your access to any or all portions of our Services, at any time, in our sole discretion, and without notice to you. We will not be liable if for any reason all or any part of the MoneyLion Platform is unavailable at any time or for any period. From time to time, we may restrict access to some or all of the MoneyLion Platform to users, including registered MoneyLion Account users. This may include, without limitation, adding, removing, bundling, or unbundling features or Services, or modifying, replacing, or discontinuing any Membership offering.

You are responsible for maintaining the security of the login credentials for your MoneyLion Account. Your MoneyLion Account may include personal and sensitive information, including financial information, and you should treat your login credentials, such as your name, username, and password as confidential. You may not allow others to use your MoneyLion Account. This includes furnishing your username and password to third-party developed applications to connect to your MoneyLion Account for any reason, unless authorized by MoneyLion. You are responsible for all activity that occurs under your MoneyLion Account, including any activity by unauthorized users. If you become aware of unauthorized access to your MoneyLion Account, change your password and notify us immediately through our Contact Us Page. We will not be liable for any loss or damage arising from your failure to comply with this Section.

You certify that the information you provide to us at any point, including in connection with the registration process of your MoneyLion Account or with the use of the MoneyLion Platform, is true, accurate, current, and complete. You agree that you will maintain and update such information regularly.

You also agree to provide any information or documentation reasonably requested by us to verify your identity and other information provided by you. You agree that we or our agents may contact third parties, including consumer reporting agencies, to verify such information and prevent fraud.

By searching for Third-Party Offers (as defined below) or signing up for credit monitoring services on the MoneyLion Platform, you also provide written instruction in accordance with the Fair Credit Reporting Act (“FCRA”) and other applicable laws for MoneyLion Technologies Inc. and its subsidiaries and affiliates to request and receive your consumer report data (“Consumer Report Data”) from consumer reporting agencies, now and periodically in the future, for the purpose of (a) connecting you to such Third-Party Offers from third-party business partners (in the case of searching for Third-Party Offers), (b) providing you with updates on your credit score, and other related trends, insights, tips, and information (in the case of signing up for credit monitoring services), in each case in accordance with your instructions, and (c) as otherwise appropriate where there is a legitimate business need in connection with a transaction initiated by you. You understand that these “soft” credit inquiries or credit monitoring services will not impact your credit score and you also authorize us to share your Consumer Report Data with third-party service providers, strictly as necessary for them to perform certain business functions.

When creating a MoneyLion Account, you are assigned a unique alpha-numeric name to identify yourself on the MoneyLion Platform (a “RoarTag”). If you have been assigned a RoarTag, you may subsequently change your RoarTag by going to your profile in the MoneyLion App or on the Site and following the prompts. You may not select a RoarTag that misleads or deceives others as to your personal identity or creates an undue risk of chargebacks or mistaken payments, in our sole discretion. You also may not select a RoarTag that contains the words “MoneyLion” or “Admin” or any similar words. We may require you to change your RoarTag at our sole discretion, and we may deactivate your MoneyLion Account, or reclaim or make unavailable your RoarTag, without liability to you.

If you post or upload any content, data or other materials to the MoneyLion Platform, or if you engage with any posted content in the MoneyLion Platform, including by commenting on or liking anyone else’s posted content (together, “User Content”), then you represent and warrant to us that you own all right, title and interest in your User Content, and that you have the authority or license to post, upload or otherwise share your User Content with MoneyLion. You retain all ownership rights in your User Content, but by uploading or submitting any User Content to the MoneyLion Platform, you grant us a non-exclusive, transferable, unlimited, worldwide, perpetual, irrevocable, sub-licensable and royalty-free license to use, modify, adapt, reproduce, make derivative works of, publish and/or transmit, and store that User Content and to distribute and make it available to third parties for the purposes of providing, developing, optimizing, improving and promoting or enhancing the MoneyLion Platform or any of our Services that may be relevant to your User Content. Such license includes our ability to use your RoarTag, image, voice, and likeness, and to identify you as the source of any of your User Content.

You acknowledge that if you post User Content to or through the MoneyLion Platform, your RoarTag and any other User Content you provide may be visible to other MoneyLion users. All User Content will be considered non-confidential. You must not post or otherwise transmit any User Content through the MoneyLion Platform that you consider to be confidential, including your personal information or any specific financial information, e.g., your bank account details.

You also acknowledge that if you post User Content to or through the MoneyLion Platform, MoneyLion may use or display such User Content in connection with generating promotional or marketing materials related to such User Content. You waive any rights to prior inspection or approval of such marketing or promotional materials, and you will have no right to be compensated for MoneyLion’s use of your User Content or share in any goodwill or value generated by such use, except as prohibited by applicable law. Any such use of your User Content is subject to MoneyLion’s Privacy Policy. You have the right to opt out of MoneyLion’s use of your User Content for promotional or marketing purposes by calling 1-844-224-0087 or by emailing us at [email protected], understanding that such opt out shall not apply to any uses that were already publicly disseminated (including by being published on the MoneyLion Platform) prior to your exercise of this opt-out right.

You agree not to post, upload, create, or publish any User Content on the MoneyLion Platform that, in our sole judgment:

Although we’re not obligated to monitor access to or use of the MoneyLion Platform or to review or edit any User Content, we have the right to do so for the purpose of operating the Services, to ensure compliance with these MoneyLion Terms and any Additional Terms, to comply with applicable law or other legal requirements, and to maintain the integrity and reputation of the Services and the MoneyLion Platform. We have the right to remove any User Content that you upload or publish if we determine, in our sole discretion, that your User Content does not comply with the above standards, or in response to complaints from other users or third parties, with or without notice and without any liability to you. We also have the right to disclose your identity to any third party who is claiming that your User Content is a violation of their intellectual property or privacy rights, or as necessary to consult and cooperate with law enforcement authorities to prosecute users who violate the law.

Unless otherwise indicated, if you send or transmit any communications, comments, questions, suggestions, or related content to MoneyLion, whether through the MoneyLion Platform, by engaging with MoneyLion social media pages or handles on third-party platforms, by mail, e-mail, telephone, survey, or otherwise, suggesting or recommending changes, enhancements or improvements to the Site, the MoneyLion App, or the Services (“Feedback”), then you hereby grant us a non-exclusive, transferable, unlimited, worldwide, perpetual, irrevocable, sub-licensable and royalty-free, license to use your Feedback in any manner and for any purpose to provide, optimize, improve, promote, enhance or market our Services, and to create new products and services. This license includes the right to use your name, persona, RoarTag, and likeness for the foregoing purposes without compensating you, in a manner consistent with our Privacy Policy.

You acknowledge and agree that when you view User Content provided by others in the MoneyLion Platform, you are doing so at your own risk. You acknowledge that the User Content has not been verified or approved by MoneyLion, and that MoneyLion has no obligation to pre-screen, monitor, review, or edit any User Content posted by you or other users on the MoneyLion Platform. By using the MoneyLion Platform or any of the Services, you may be exposed to User Content that is offensive, indecent, inaccurate, or objectionable. We take no responsibility and assume no liability for any User Content, including any loss or damage to your User Content. The views expressed by other users on or through the MoneyLion Platform or any of our Services may not represent our views or values. If you wish to report concerns with User Content posted by others, please contact us through our Contact Us Page.

While using the MoneyLion Platform, you agree to comply with all applicable laws, rules and regulations, in addition to these MoneyLion Terms and any Additional Terms. We reserve the right to terminate your access to or use of any part of the MoneyLion Platform, and any of the Services, including terminating your access to your MoneyLion Account if you fail to comply with any such law, regulation or rule, or with these MoneyLion Terms and any Additional Terms.

You also agree not to use, or to assist or enable any others to use, the MoneyLion Platform, your MoneyLion Account or any of the Services in furtherance of or in connection with any unlawful or fraudulent activity. This means that you agree not to do any of the following:

Violations of system or network security may result in termination of your account and civil or criminal liability.

We respect the intellectual property rights of others, and we ask our users to do the same. Each user is responsible for ensuring that their User Content does not infringe any third party’s right or other intellectual property rights. We may, in appropriate circumstances and in our sole discretion, terminate the rights of any user who uses the MoneyLion Platform to infringe the rights of others.

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that their rights have been infringed. If you believe that your work has been copied in a way that constitutes a copyright infringement, please contact us in the manner described below and include the following information:

Upon receipt of any notice, we will take whatever action that we deem appropriate in our sole discretion, including the removal of the challenged material from the MoneyLion Platform.

MoneyLion may disclose any communications, including your contact information, concerning DMCA or other applicable copyright notices or other intellectual property complaints, with third parties, including the users who have posted the allegedly infringing material.

If you believe, in good faith, that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter notice. Counter notices should also be sent to us as follows:

Address: Notice of Copyright Infringement
Attn: MoneyLion Legal
60 E Rio Salado Pkwy #1000
Tempe, AZ 85281

If you have questions about the legal requirements of a DMCA notice, please contact an attorney or see Section 512(c)(3) of the U.S. Copyright Act, 17 U.S.C. § 512(c)(3), for more information. If you have questions about the legal requirements of a DMCA counter-notification, please contact an attorney or see Section 512(g)(3) of the U.S. Copyright Act, 17 U.S.C. § 512(g)(3), for more information.

The MoneyLion Platform provides users with access to deals offered by MoneyLion’s third-party partners, which may include offers for financial or non-financial products and services, or rewards or savings on purchases (such offers, “Third-Party Offers”). Third-Party Offers may be offered to you based on information you have provided to MoneyLion and may be offered to you at no additional cost or for a specified fee. We do not guarantee that you will be presented with Third-Party Offers for any particular types of products or services or that you will meet the eligibility or approval criteria for any particular Third-Party Offer. It is entirely your choice whether to apply for a Third-Party Offer and you do so at your own risk. While checking for Third-Party Offers does not result in a hard inquiry or affect your credit score, you confirm that you understand that if you choose to apply for a Third-Party Offer with a third-party partner, that partner may run a hard inquiry, which can impact your credit score.

You acknowledge that MoneyLion does not provide, nor does it warrant or guarantee, any Third-Party Offer. All rates, fees, and terms are subject to change pursuant to each third-party partner’s discretion, and may not be available in all states or for all types of products offered. There is no guarantee that you will be approved or qualify for the advertised rates, fees, or terms presented. The third-party partners providing these products, services or information are solely responsible for them, as well as other content on their websites or mobile applications. MoneyLion is not liable for any third party’s failure with regard to those advertised products, services, or information. If you choose to access or use any third-party products, services, information, websites, or mobile applications, you understand that such access or use will be subject to the terms and conditions and privacy policies of the appropriate third-party partner, and not to these MoneyLion Terms. Your interactions and business dealings with third-party partners are solely between you and the third party. You should check individual Third-Party Offers and review all related terms and conditions, including any privacy policies and terms of service, before redeeming any Third-Party Offer. We are not responsible for any information that you agree to share with third-party partners in connection with any such Third-Party Offers.

MoneyLion may receive compensation from third-party partners for referring you to the third party-partner, their products or services or to their website. This compensation may impact how and where products appear on the MoneyLion Platform, including, for example, the order in which they may appear within listing categories. MoneyLion does not include all available products or offers, and we do not guarantee that you will be matched with the best or lowest-cost option.

This section explains the nature, sources, and limitations of Content available on the MoneyLion Platform, including Content provided by third parties and through ML Wealth services.

The influencer, creator and other content provided in the MoneyLion Platform, which may include articles, photographs, text, graphics, pictures, designs, music, sound, video, information, software, User Content, and other content, and which may belong to or originate from either MoneyLion or non-affiliated third parties (“Content”) is for informational and entertainment purposes only and should not be construed as legal, tax, investment, financial, or other advice. You acknowledge that, while some Content may be shown to you based on information provided by you to us, all Content is intended to be of a general nature, does not address the circumstances of any particular individual or entity, and may not constitute a comprehensive or complete statement of the matters discussed. MoneyLion is not a fiduciary by virtue of any person’s use of or reliance on the Content. You should consult an appropriate professional or specialist if you require any legal, tax, investment, financial or other advice.

Where the Content belongs to or originates from a third party, including any User Content (“Third-Party Content”), we make no representations, warranties or guarantees, whether express or implied, that such Third-Party Content is accurate, complete, or up to date. The information or materials provided in such Third-Party Content may not have been verified or approved by us, and the views expressed by such third parties may not represent our views and values.

ML Wealth Services and Content – General Information Only – No Investment Recommendation or Advice

Our subsidiary, ML Wealth LLC (“ML Wealth”), provides its discretionary and non-discretionary investment advisory services only through the MoneyLion Platform to individuals who become ML Wealth clients pursuant to a written investment advisory agreement. Articles, commentaries, investment plans and other content, including any Content as defined above, provided on the MoneyLion Platform are provided for illustrative or educational purposes only and do not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the Content or other information on the MoneyLion Platform.

If you are a ML Wealth client, you acknowledge that the value of your investment may fluctuate over time, and you may gain or lose money. Each client’s investment results can vary based on their specific account holdings. Forecasts or projections of investment outcomes are estimates only and are based upon numerous assumptions about future capital market returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS, AND ANY EXPECTED RETURNS OR HYPOTHETICAL PROJECTIONS MAY NOT REFLECT ACTUAL FUTURE PERFORMANCE. FURTHERMORE, PAST RETURNS MAY REFLECT THE PERFORMANCE OF ASSETS FOR A FINITE TIME, OR DURING A PERIOD OF EXTREME MARKET ACTIVITY. ALL INVESTMENTS INVOLVE RISK AND MAY LOSE MONEY. There can be no assurance that your portfolio of securities will provide positive performance over any period of time. Please read ML Wealth’s Form ADV Part 2 (Brochure) carefully prior to becoming a client.

MoneyLion may make available, through the MoneyLion Platform, certain features, functionalities, and services that use automated processing, artificial intelligence, or machine learning technologies (collectively, “AI-Powered Services”). AI-Powered Services may include, for example, search tools, chatbots, digital assistants, recommendations, insights, or other features that generate or present content based on user inputs (“Input”) or other data and provide responses or results (“Output”).

While we work to provide helpful and relevant experiences, you understand that AI-Powered Services rely on new and evolving technologies and are provided on an “as-is” basis. MoneyLion makes no representations or warranties regarding the accuracy, completeness, reliability, or suitability of any Output.

Outputs may be incomplete, inaccurate, or not tailored to your specific circumstances. Outputs are provided to assist you but should not be relied upon as a substitute for your independent judgment or, where appropriate, professional advice. You are responsible for evaluating the accuracy and appropriateness of any Output and for any decisions or actions you take based on such Output.

Outputs do not constitute legal, financial, tax, or other professional advice and are not an offer to sell or a solicitation of an offer to purchase any financial product or service.

We strive to provide our customers with tools to manage their entire money lives from the MoneyLion Platform. To make full use of certain offerings within our Services, you may need to have and maintain MoneyLion financial accounts (“MoneyLion Financial Account(s)”) or link an external eligible bank account maintained at a third-party financial institution to your MoneyLion Account (any such external account, “Linked Account(s)”, and, collectively with any MoneyLion Financial Account(s), “Financial Services Accounts”). You authorize us to access or collect certain financial data from each of your Financial Services Accounts, including, without limitation, account balances, transaction dates, the merchants involved, the transaction types and amounts, other information, data, passwords, or other content (collectively, “Account Data”) in accordance with our Privacy Policy and Financial Privacy Notice.

We use service providers, including Plaid Technologies Inc. (“Plaid”) and others, to gather end user data from external financial institutions, e.g., to link your Linked Account. By using our Services, you grant us and these service providers, including Plaid, the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by these service providers in accordance with their privacy policies.

By linking any Linked Account(s), you represent and warrant to MoneyLion and its service providers that you are the legal owner of the Linked Account(s), that you have the right to disclose your login credentials for such Linked Account(s) if needed, and that you have the right to grant the authorizations in this Section with regard to such Linked Account(s). You acknowledge that the services provided by these service providers are provided “as is” and for general informational purposes only. You acknowledge that MoneyLion and its service providers are not responsible and are not liable for any acts, errors, or omissions by the financial institutions at which you maintain your Linked Account(s), or for the accuracy, completeness, availability or timeliness of the information provided by such institutions, or for any investment or other decisions you make using the information provided.

Because we are a financial institution regulated under the Gramm-Leach-Bliley Act (“GLBA”), the Account Data and the Consumer Report Data that we collect in connection with your request for consumer financial products and services constitute “nonpublic personal information” subject to our Financial Privacy Notice. Subject to the restrictions described in our Privacy Policy, your revocation right as described in Section 13 below, and any applicable laws, including the GLBA, you authorize MoneyLion, its service providers and any of our non-affiliated third-party partners to use, display or distribute any of the Account Data for any of our Services, including to operate, provide, administer, develop, enhance, improve, measure, personalize and market the Services or any other products or services that may be available to you through the MoneyLion Platform. You also authorize MoneyLion and its third-party partners to use Account Data, and Consumer Report Data, where “permissible purpose” exists under the FCRA, in order to determine your eligibility for any Services that may be provided by or through MoneyLion. MoneyLion and its service providers and third-party partners may, on an aggregated and anonymized basis, use, modify, display, distribute and create new material using the Account Data and the Consumer Report Data in order to provide you with Services. We reserve the right to remove, delete, block, edit or modify any Account Data and Consumer Report Data in our possession at any time, subject to applicable regulatory retention requirements, without prior notice and in our sole discretion for any reason or no reason. MoneyLion and its service providers and third-party partners may also, on an aggregated and anonymized basis, use, license, reproduce, distribute, and disclose any information about you, your activities and behavior that is derived through your use of the Services or the MoneyLion Platform. You agree that, without any particular time limit, and without the payment of any fees, MoneyLion and its service providers and third-party partners may use the Account Data and the Consumer Report Data for the purposes set out above.

YOU ACKNOWLEDGE AND AGREE THAT WHEN YOU DIRECT US TO RETRIEVE YOUR ACCOUNT INFORMATION FROM THIRD PARTIES, OR YOUR CONSUMER REPORT INFORMATION FROM CONSUMER REPORTING AGENCIES, YOU AUTHORIZE AND PERMIT US TO USE AND STORE THAT INFORMATION AND OTHER INFORMATION YOU SUBMIT THROUGH THE THIRD-PARTY SITES (SUCH AS USERNAMES AND PASSWORDS), FOR PURPOSES OF PROVIDING THE SERVICES TO YOU. YOU GRANT MONEYLION A LIMITED POWER OF ATTORNEY TO ACCESS THOSE ACCOUNTS AND RETRIEVE YOUR ACCOUNT INFORMATION, WITHOUT ADDITIONAL NOTICE TO YOU. YOU UNDERSTAND THAT WHEN WE OR OUR SERVICE PROVIDERS OR PARTNERS ARE ACCESSING AND RETRIEVING INFORMATION FROM THIRD-PARTY SITES, WE AND OUR SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OF OR ON BEHALF OF THE THIRD PARTY.

By contacting us as directed under “To Limit Our Sharing” in our Financial Privacy Notice, you may revoke your authorization to MoneyLion’s collection and use of Account Data and Consumer Report Data as described above. You can also limit our use and sharing of Account Data in connection with any Linked Account(s) by simply removing your Linked Account(s) from the MoneyLion Platform. To the extent permitted by applicable law, your revocation of authorization for the collection and use of Account Data and Consumer Report Data as described above may impact your ability to access certain Services provided by or through MoneyLion and/or may result in the closure of your MoneyLion Account. Please note that, notwithstanding any revocation of authorization, there are applicable laws that require us to retain certain records for specified regulatory retention periods and/or to complete any transactions that you began prior to your request.

MoneyLion and its affiliates, agents, service providers, and third-party partners (collectively, the “Messaging Parties”) may communicate with you about the MoneyLion Platform, Services, and related products and opportunities. These communications may include, for example:

Communications may be delivered through various channels, including phone calls, text messages (SMS or MMS), email, push notifications, in-app messaging, or other electronic means.

If you opt in to receive marketing calls or text messages, you agree to receive such communications from MoneyLion and the Messaging Parties using the contact information you provide. You understand that such communications may be made using automated telephone dialing systems, artificial or prerecorded voice systems, or other automated technologies.

You may opt out of marketing communications from MoneyLion at any time by following the instructions provided in the communication, such as replying “STOP,” “CANCEL,” “END,” “OPT OUT,” “QUIT,” “REVOKE,” or “UNSUBSCRIBE” to text messages, or by contacting us as described in the “Contact Us” section. If you opt out of marketing communications, you consent to receive a text message confirming that you have unsubscribed.

You acknowledge that if you opt out of marketing communications, MoneyLion and the Messaging Parties may continue to send you transactional or servicing communications related to your account or use of the Services, to the extent permitted by applicable law.

If at any time, you intend to stop using the mobile telephone number that you provided to MoneyLion, including by canceling your service plan or selling or transferring the phone number to another party, you agree that you will opt out of marketing communications prior to ending your use of the mobile telephone number.

You acknowledge that certain communications may be generated, selected, or delivered using automated processing, artificial intelligence, or machine learning technologies. These technologies may use information about your interactions with the MoneyLion Platform, your account activity, or other data to personalize communications, provide recommendations, or deliver insights and alerts.

Such communications are intended to assist you in understanding and using the Services and may be tailored to your activity, behavior, or preferences.

Message frequency may vary. Message and data rates may apply. Carriers are not responsible for delayed or undelivered messages.

You authorize your wireless carrier to disclose information about your account or device, if available, to MoneyLion or its service providers for the purpose of identity verification and fraud prevention, to the extent permitted by applicable law.

We may suspend or terminate your MoneyLion Account, and/or deny you access to use the MoneyLion Platform, or any of our Services, without prior notice, if you engage in any conduct that we believe, in our sole discretion: (1) violates any part of these MoneyLion Terms, (2) violates our rights or those of third parties, (3) fails to comply with any laws or regulations, or (4) is inappropriate. These MoneyLion Terms will continue to apply even if you are suspended or terminated.

You have the right to terminate these MoneyLion Terms by reaching out to us at 1-844-224-0087 to deactivate your MoneyLion Account. Please note that you may need to complete certain steps before closing your Account, depending on which Financial Services you have accessed or used, or which Financial Services Accounts remain open. For more details, please refer to the applicable Additional Terms.

If you have questions about these MoneyLion Terms or the Services, you may contact us at:

You acknowledge and agree that we and our licensors exclusively own all right, title and interest in the MoneyLion Platform and Services, as well as all Content, materials or information pertaining to or contained on the MoneyLion Platform (except for User Content), and all intellectual property rights associated with the above (including copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trade secrets, trademarks and service marks or other proprietary rights) (together, our “Intellectual Property”). As long as you comply with these MoneyLion Terms, we grant you a personal, non-exclusive, non-transferable, limited and revocable license to enter and use the MoneyLion Platform and access the Services. This license is for your personal use and not for any commercial or business purpose. Copying, redistributing, or publishing any part of our Intellectual Property is strictly prohibited, unless otherwise permitted by these MoneyLion Terms.

THE SITE, THE MONEYLION APP, ANY OF OUR SERVICES (INCLUDING SEARCH SERVICES), CONTENT, SEARCH RESULTS, INFORMATION AND MATERIALS (INCLUDING ANY USER CONTENT AND THIRD-PARTY CONTENT) MADE AVAILABLE ON OR THROUGH THE MONEYLION PLATFORM ARE PROVIDED TO YOU “AS IS” WITHOUT ANY EXPRESS REPRESENTATIONS OR WARRANTIES OF ANY KIND. SOME OF OUR CONTENT IS GENERATED IN AN AUTOMATED FASHION USING GENERATIVE ARTIFICIAL INTELLIGENCE TECHNOLOGIES; ERRORS CAN AND DO HAPPEN. THE SERVICES ARE PROVIDED SOLELY FOR INFORMATIONAL, EDUCATIONAL, OR ENTERTAINMENT PURPOSES AND DO NOT CONSTITUTE LEGAL, FINANCIAL, TAX, MEDICAL, OR OTHER ADVICE. RESULTS ARE NOT COMPREHENSIVE AND DO NOT REPRESENT ALL AVAILABLE INFORMATION.

MONEYLION AND EACH OF OUR RELATED AND AFFILIATED ENTITIES DISCLAIMS ALL STATUTORY OR IMPLIED REPRESENTATIONS, WARRANTIES, TERMS AND CONDITIONS WITH RESPECT TO THE SITE, THE MONEYLION APP, ANY OF OUR SERVICES, CONTENT, SEARCH RESULTS, INFORMATION AND MATERIALS (INCLUDING ANY USER CONTENT AND THIRD-PARTY CONTENT) MADE AVAILABLE ON OR THROUGH THE MONEYLION PLATFORM, INCLUDING ANY REPRESENTATIONS OR WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SITE OR THE MONEYLION APP, INCLUDING ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY CONTENT, SEARCH RESULTS, INFORMATION OR MATERIALS AVAILABLE ON OR THROUGH THE MONEYLION PLATFORM.

It is possible that applicable law may not allow for limitations on certain implied warranties, exclusions or limitations of certain damages. Solely to the extent that such law applies to you, some or all of the above disclaimers, exclusions or limitations may not apply to you, and you may have additional rights. Please note that information on the MoneyLion Platform may occasionally be inaccurate, incomplete or out of date. Additionally, third parties may make unauthorized alterations to the MoneyLion Platform. We make no representation as to the completeness or accuracy of any information on the MoneyLion Platform.

Except to the extent prohibited by applicable law, you agree to defend, indemnify, and hold harmless MoneyLion, its affiliates, and their respective officers, directors, employees, contractors, agents, service providers, third-party partners, successors, and assigns (collectively, the “MoneyLion Parties”) from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (1) your use of, or activities in connection with, the MoneyLion Platform or Services; (2) your violation or alleged violation of these MoneyLion Terms, any Additional Terms, or applicable law; (3) your violation or alleged violation of any intellectual property or other rights of any third party; or (4) any dispute between you and a third party, including any third-party partner or service provider. You may not settle any claim without MoneyLion’s prior written consent. MoneyLion reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with such defense.

EXCEPT WHERE PROHIBITED BY LAW, NEITHER MONEYLION NOR ANY OF ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SERVICE PROVIDERS, THIRD-PARTY PARTNERS, SUCCESSORS, OR ASSIGNS (COLLECTIVELY, THE “MONEYLION PARTIES”) SHALL BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, THE TOTAL LIABILITY OF THE MONEYLION PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE MONEYLION PLATFORM OR SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE AMOUNT YOU PAID TO ACCESS OR USE THE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE FIRST EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. TO THE EXTENT SUCH LAWS APPLY, THE FOREGOING LIMITATIONS WILL APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND THE REMAINDER WILL CONTINUE IN FULL FORCE AND EFFECT.

By using the MoneyLion Platform or any of the Services, you agree to be bound by the Agreement for Resolving Disputes (the “Disputes Agreement”), which includes a mandatory arbitration provision along with other mechanisms for resolving disputes arising out of or related to these MoneyLion Terms, use of or access to the MoneyLion Platform (or any part thereof) or any of the Services. In accordance with the Disputes Agreement, any arbitration shall be conducted by NAM (National Arbitration and Mediation), 990 Stewart Avenue, 1^st Floor, Garden City, NY 11530, in accordance with NAM’s then existing Comprehensive Dispute Resolution Rules & Procedures, or any other company selected by mutual agreement of the parties, in the event that NAM is unavailable or unwilling to administer the arbitration.

By agreeing to the Disputes Agreement, you understand that you are waiving certain rights and protections which may otherwise be available, including, without limitation, the right to a jury trial, the right to bring a claim as a class member in any purported class or representative proceeding, and the right to invoke formal rules of procedure and evidence.

YOU AGREE THAT IF YOU DECIDE TO REGISTER FOR AND OPEN A MONEYLION ACCOUNT OR IF YOU OTHERWISE USE ANY OF OUR SERVICES, YOUR RELATIONSHIP WITH US WILL BE GOVERNED BY THE DISPUTES AGREEMENT. THE DISPUTES AGREEMENT PROVIDES FOR DISPUTE RESOLUTION FOR ALL CLAIMS AS DEFINED IN THAT AGREEMENT.

This Agreement shall be governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute that is not subject to arbitration, or any issues involving arbitrability or enforcement of any provisions under the arbitration agreement, shall be brought in the appropriate state or federal court located in New York. You and MoneyLion each irrevocably consent to the exclusive jurisdiction and venue of the state or federal courts in New York, for the adjudication of all non-arbitrable claims.

YOU AND MONEYLION AGREE THAT BOTH PARTIES ARE WAIVING THE RIGHT TO A TRIAL BY JURY. YOU AND MONEYLION ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT, BUT THAT IT MAY BE WAIVED UNDER CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND MONEYLION, AFTER HAVING HAD THE OPPORTUNITY TO CONSULT WITH COUNSEL, KNOWINGLY AND VOLUNTARILY, AND FOR THE MUTUAL BENEFIT OF ALL PARTIES, WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF ANY DISPUTE ARISING OUT OF OR RELATED TO THESE MONEYLION TERMS, USE OF OR ACCESS TO THE MONEYLION PLATFORM (OR ANY PART THEREOF) OR ANY OF THE SERVICES. THIS JURY TRIAL WAIVER SHALL NOT AFFECT OR BE INTERPRETED AS MODIFYING, IN ANY FASHION, ANY SEPARATE DISPUTES AGREEMENT ENTERED INTO BETWEEN YOU AND MONEYLION, WHICH MAY CONTAIN ITS OWN SEPARATE JURY TRIAL WAIVER.

MoneyLion may, without notice to you, assign these MoneyLion Terms and all of its right, title and interest hereunder to another entity. You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under these MoneyLion Terms to any other person without MoneyLion’s prior written consent.

Any failure by us to exercise any rights or enforce these MoneyLion Terms or any Additional Terms shall not constitute a waiver of such rights or terms. If any provision of these MoneyLion Terms or any Additional Terms, or their application in a particular circumstance, shall be held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law. The remainder of these MoneyLion Terms, or any Additional Terms, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law.