Privacy Policy

Treecard Terms of Use

Please read this privacy notice and policy (this “Policy”) carefully to understand our policies and practices regarding your personal information and how we will treat it. This Policy applies to individuals who interact with Treecard, Inc. and our services (“you”). This Policy explains how your personal information (which some jurisdictions may refer to as “personal data”) is collected, used, and disclosed by Treecard, Inc., our affiliates and third parties acting on our behalf (collectively “Treecard”, “we”, us”, "our"). It also tells you how you can access and update your personal information, exercise certain rights, and make certain choices about how your personal information is used.

Please read these Terms carefully before you begin to use the Services. By registering for, accessing or using the Services in any manner, you accept and agree to be legally bound and abide by these Terms, as well as all other operating rules, policies and procedures that may be published from time to time on or through any Service by us, each of which is incorporated by reference and each of which may be updated from time to time without notice to you. Services are offered only for your personal and informational use (“Personal Use”), and not for the use or benefit of any third party; if you are a company or entity, Personal Use means for your own personal, non-commercial purposes, and not for reproduction, distribution or display to or for the benefit of any third party. DO NOT USE ANY OF THE Services if You do not accept these Terms. BY YOUR ACCESS TO, AND USE OF, ANY SERVICE, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS, WITHOUT LIMITATION OR QUALIFICATION.

SECTION 10 OF THESE TERMS CONTAINS A BINDING ARBITRATION CLAUSE, CLASS ACTION WAIVER, AND WAIVER OF JURY TRIAL. THOSE TERMS AFFECT THE RIGHTS YOU HAVE IN ANY DISPUTE WITH US AND OUR AFFILIATES, AND HOW ANY SUCH DISPUTE MAY BE RESOLVED.

Your use of the Treecard App through Apple iOS mobile application software is subject to the Additional Terms in Annex A below, which are incorporated herein.

1) Your Privacy.

To understand how we collect, use, process and safeguard your personal information, please review our Privacy Policy.

2) Grant of License and Restrictions on Use.

Grant of License. Subject to the terms and conditions of these Terms, Treecard grants you a limited, revocable, non-exclusive, non-sublicensable and nontransferable license to use (i.e., to access, download, install, stream, and display locally) the Services and Content (as defined below) solely for your Personal Use. Use, reproduction, modification, distribution or storage of any Services or Content for any other purposes is expressly prohibited without prior written permission from Treecard. You shall not sell, license, rent, or otherwise use or exploit any Services or Content for non-Personal Use or in any way that violates this policy or any third party right. We also reserve the right to suspend or terminate this grant and your use of the Services and/or Content for any or no reason at any time, with or without notice to you.
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Registration. You may elect, to register for certain activities in connection with the Services by creating an account. When you register, you agree to provide accurate, current and complete information about yourself as requested or directed on the Services and to promptly update this information to maintain its accuracy. Treecard retains the right to suspend or terminate any account or other registration and to refuse any and all current or future use of the Services in our sole discretion, including, without limitation, if we suspect that such information is inaccurate or incomplete. You are responsible for maintaining the confidentiality of any password and username that you are given or select in connection with the Services, and you are responsible for all activities that occur under your password or account, whether or not authorized by you.
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Eligibility. The Services and Content are offered and available only to individuals who are 18 years of age or older, are able and competent to grant the rights as detailed in these Terms, and to comply with these Terms. By accessing or using any Service, you represent and warrant that you meet the foregoing eligibility requirements. If you are under the age of 18, you may not, under any circumstances or for any reason, use the Services or Content. We may, in our sole discretion, refuse to offer the Services and/or Content to any person or entity and change eligibility criteria at any time.
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Compliance with Law. The Services are provided in and from the United States and their use shall be governed in accordance with the laws of the United States. The Services and Content are intended solely for use in the United States, and are not authorized for use outside the United States. If you use or access the Services from locations outside of the territorial jurisdiction of the United States, you do so at your own risk, and you are responsible for compliance with any and all applicable United States and foreign government laws and regulations. You will not use or access the Services from jurisdictions where any content or features that are available on or through the Services are illegal. Additionally, you have no right to use or access the Services if:
- You are presently located in a country that is subject to U.S. Government sanctions or embargos, or that has been designated by the U.S. Government as a “terrorist supporting” country; and/or
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- If you or a related party is or later becomes subject to any U.S. Government or foreign country’s list of prohibited, restricted, or sanctioned parties.
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Restrictions. You may not (and may not permit any third party to) access or use, or attempt to access or use, the Services or Content to take any action that could harm Treecard or any third party, or interfere with the operation of the Services, nor may you use the Services in a manner that violates any applicable laws, rules or regulations. Without limiting the foregoing, you agree not to use any Service or Content:
- (i) In any way that violates any applicable federal, state, local or international law or regulation; including, but not limited to, in any way that infringes any intellectual property, right of publicity or other right of any third party;
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- (ii) In any way that is threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortious, obscene, vulgar, pornographic, offensive, profane, contains or depicts nudity, contains or depicts sexual activity, or is otherwise inappropriate as determined by us in our sole discretion;
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- (iii) To submit any information or Content you know, or have reason to know, is false, misleading, untruthful or inaccurate;
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- (iv) To misrepresent, impersonate or attempt to impersonate Treecard, a Treecard employee, another user or any other person or entity, or the origin of any information you provide (including, without limitation, by using e-mail addresses associated with any of the foregoing);
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- (v) To transmit, or procure the sending of, any unsolicited advertising or promotional material, including any “junk mail,” “chain letter,” “spam” or any other similar solicitation;
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- (vi) To obtain or attempt to gain unauthorized access to any computer system, network, data, identification, password or other information, financial, health-related or otherwise, of ours or of any third party, nor to bypass, circumvent or attempt to bypass or circumvent any measures we may use to prevent or restrict access to the Services (or other accounts, computer systems or networks connected directly or indirectly to the Services);
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- (vii) To engage in unauthorized spidering, scraping, crawling or harvesting of Content or information, or use any other unauthorized automated, or manual, means to compile any Content or information from the Services;
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- (viii) To upload or otherwise transmit any communication, software, or material that contains a virus or any other computer codes, files, or programs that are designed or intended to disrupt, damage, limit or interfere with the proper function of the Services or obtain unauthorized access to any system, data, password, Content or other information of ours or of any third party, or is otherwise harmful to our or third- party computers or systems;
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- (ix) To use any device, software, or routine imposing an unreasonable or disproportionately large load on our network (as determined by us in our sole discretion), to interfere or attempt to interfere with the proper working of the Services or any activity conducted on the Services or attempt to probe, scan, test the vulnerability of, or breach the security of any system, network or infrastructure;
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- (x) To copy, rent, lease, or distribute the Services; modify, translate, adapt or otherwise create derivative works or improvements, whether or not patentable, of the Services; nor reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Services or any part thereof; or
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- (xi) To engage in any other conduct that restricts or inhibits any person from using or enjoying the Services, or that, in our sole judgment, exposes us or any of our users, affiliates, or any other third party to any liability, damages, or detriment of any type.
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Violations of system or network security and certain other conduct may result in civil or criminal liability. We may investigate and work with law enforcement authorities to prosecute users who violate these Terms.

3) Planting and Protecting Trees.
‍PlantingTrees. Based on your actions through the Services, we will work with one or more of our selected organisation partners to fund reforestation projects based on the value assigned to those actions and/or the funds received, and provide virtual trees for you to plant in your (virtual) Tree Valley in your Treecard app. Planting of physical trees usually takes place during the next planting season following the funding. As a general rule, funding our reforestation partners and subsequent physical planting is completed within 6-12 months of funding, but tree-planting seasons vary from project to project and may be subject to unforeseen delays.
ProtectingTrees. In addition to planting trees, Treecard also supports protecting existing trees. In some cases, we may elect to protect a tree rather than plant a new one. As with planting, tree protection projects are performed by one of our selected organisation partners. Our partners use different methods of protections including land purchases to secure from deforestation as well as creating sustainable farming practices. We calculate the number of trees protected by looking at the average number of trees per acre in the protected area.You can track the number of trees you have funded for planting and/or to be protected based on your actions through your account.

4) Chip-In. In addition to your actions funding reforestation and protection programs, you may also subscribe to our “Chip-In” service, which allows you to provide funds to us on a monthly basis, which we can use towards specific activities, including planting or protecting trees, ocean plastic removal, and wildlife protection, as well as funding our overall operations. For Chip-In, we pledge to fund the planting and/or protecting of 1 real tree for every $1 subscribed. The cost of tree planting varies from time to time, and the difference between the cost of the tree and the subscription goes to Treecard to support operations. Chip-In payments will be debited from your linked bank account or connected card on or about the 28th of each month. You may cancel your Chip-In subscription in your account Settings at any time prior to that month’s automatic payment being initiated.

5) Round Up. You may also voluntarily enroll in the “RoundUp” program that rounds up your cost of purchases to the nearest dollar. All Round Up charges will be debited from your linked bank account on the 28th of each month for reforestation and/or protection. For example, if you spend$1.98, this would be rounded up to $2.00 and the additional $.02 would be debited from your linked account as a “Round Up”. For each month that you accumulate $1.00 or more in Rounds Ups, an equivalent dollar value of trees will be funded by one of our partners, with a minor deduction for Treecard operations and other expenses. For example, if you accumulate$1.00 or more in Rounds Ups in March, your linked bank account will be debited(in one lump sum) on the 28th of April. The maximum amount you can Round Up in a month is $15 (so you’ll not be debited above this amount). You may also elect to cap your monthly Round Up at $1, $3, $5 or $10 in your account Settings.

6) No Ownership by You; Reservation of Rights. You acknowledge and agree that the Services and Content are provided under license, and not sold, to you, and that as between you and Treecard, Treecard and its licensors and service providers own all rights in the Services and Content. You do not acquire any ownership interest in the Services or Content (other than your Content, as provided below) under these Terms, or any other rights thereto other than to use the Services or Content in accordance with the license granted, and subject to all terms, conditions and restrictions under these Terms. Treecard and its licensors and service providers reserve and shall retain their entire right, title and interest in and to the Services and Content, including all intellectual property rights therein or relating thereto. Further, the Services and Content contain intellectual property owned by third parties, and all third party product names/brand names and content are trademarks or other intellectual property rights of their respective owners.
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7) Content.

a) Content. For purposes of these Terms, “Content” includes, without limitation, any information, data, statistics, text, photographs, images, drawings, videos, GIFs, audio clips, written posts and comments, software, scripts, graphics, trademarks, logos, indicia, and interactive features generated, provided, or otherwise made accessible on or through the Services, including without limitation, Your Content (as defined below). You acknowledge and agree that we may remove, modify, or disable access to any Content (including Your Content) for any reason in our sole discretion, including without limitation any Content that we determine is or may be misleading, inaccurate, fraudulent, disparaging, discriminatory, hateful, harassing, promoting of violence or unlawful conduct, constitutes unlawful or misleading endorsements or solicitations, or otherwise inappropriate.
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b) Your Content and Other Users' Content. All Content that you add, create, upload, submit, distribute, or post to any Services (“Your Content”), whether publicly posted or privately transmitted, is your sole responsibility. You have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright. By posting, displaying, publishing, or otherwise submitting Your Content on or through the Services, (i) you automatically grant Treecard a perpetual, non-exclusive, royalty-free, irrevocable, fully-paid-up, worldwide right and license to use, reproduce, perform, display, publish, adapt, modify, sell, license, sublicense, broadcast, transmit, distribute, exhibit, disseminate or otherwise exploit through or by means of any media, formats or other means now known or developed in the future Your Content, and (ii) you understand and acknowledge that any materials, ideas, or other communications you transmit will not be treated as confidential or proprietary. You represent that all Your Content that you provide is true, accurate, complete, up-to-date, and in compliance with all applicable laws, rules and regulations. All statements and/or opinions expressed in these materials by you or other users, and all articles and responses to questions, ratings or reviews and other users' Content are solely the opinions and the responsibility of the person or entity providing those materials. Users' Content does not necessarily reflect our view or opinion. You acknowledge and agree that you are solely responsible and liable for all Your Content.
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c) Availability of Content. We do not guarantee that any Content will be made available on or through the Services. We reserve the right to, but do not have any obligation to, (i) remove, edit or modify any Content in our sole discretion, at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if we are concerned that you may have violated these Terms), or for no reason at all and (ii) to remove or block any Content from the Services.
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8) Mobile Communications and Text Messaging

Text Messaging. You will need to opt-in to receive a single SMS message from Treecard for authentication purposes. Treecard will not charge you for the text messaging; however, standard text messaging and data rates will apply to each text message sent or received as provided in your wireless rate plan (contact your carrier for pricing plans and details).
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Message Delays or Misdeliveries. Treecard will not be liable for any delays in the receipt of any SMS messages or undelivered messages. Your carrier policies may also specify that they are not liable for any delays in the receipt of any SMS messages or undelivered messages.
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9) Term and Termination. These Terms are effective from the time you first use or access the Services and continues in effect until terminated by us. Your rights under Section 2(a) (Grant of License) of these Terms will terminate automatically, without need for notice from us, if you fail to comply with, or if you breach, any term(s) of these Terms.

10) Disclaimers; Limitation of Liability; Sole Remedy.

Disclaimer of Warranties. YOUR USE OF THE SERVICES AND ANY CONTENT IS AT YOUR OWN RISK. THE SERVICES AND ALL CONTENT ARE PROVIDED ON AN "AS IS", “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. WE MAKE NO, AND HEREBY EXPRESSLY DISCLAIM ALL, REPRESENTATIONS AND WARRANTIES ABOUT THE OPERATION OF THE SERVICES, CONTENT OR THE INFORMATION, MATERIALS, GOODS, OR SERVICES APPEARING OR OFFERED ON OR THROUGH THE SERVICES. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, STATUTORY, OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS OR OTHER UNAUTHORIZED OR MALICIOUS CODE, AND ANY WARRANTIES RELATING TO THE ACCURACY, RELIABILITY, CORRECTNESS, OR COMPLETENESS OF ANY CONTENT. FURTHER, WE MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR NEEDS OR REQUIREMENTS OR THE NEEDS OR REQUIREMENTS OF ANY OTHER PERSON. WE DO NOT WARRANT THAT THE SERVICES, CONTENT, FUNCTIONS, OR MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, ACCURATE, COMPLETE, UP-TO-DATE, FREE OF VIRUSES, MALICIOUS CODE OR ERRORS, OR UNINTERRUPTED. WITHOUT LIMITING THE FOREGOING, WE MAKE NO REPRESENTATIONS OR WARRANTIES, AND HEREBY DISCLAIMS ANY AND ALL WARRANTIES, (I) WITH RESPECT TO THE SERVICES, INCLUDING BUT NOT LIMITED TO YOUR ABILITY OR INABILITY TO USE THE SERVICES; (II) ANY ERRORS PUBLISHED IN RELATION TO THE SERVICES, INCLUDING, WITHOUT LIMITATION, ANY TYPOGRAPHICAL ERRORS, PRINTING, ERRORS OF DESCRIPTION, ERRORS IN THESE TERMS OR ANY CONTENT; (III) ANY INTERRUPTIONS IN OR POSTPONEMENT, CANCELLATION, TERMINATION, OR MODIFICATION OF THE SERVICES; (IV) HUMAN ERROR; (V) ANY TECHNICAL MALFUNCTIONS OR UNAVAILABILITY OF THE SERVICES, ANY SOFTWARE, OR INTERNET CONNECTIVITY; (VI) ANY WRONGFUL, NEGLIGENT, OR UNAUTHORIZED ACT OR OMISSION ON THE PART OF TREECARD OR THIRD PARTY; (VII) LOST, LATE, MISDIRECTED, DAMAGED OR DESTROYED CORRESPONDENCE.
Limitation of Liability. TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL TREECARD NOR ITS AFFILIATES, NOR ANY OF ITS OR THEIR THIRD-PARTY PROVIDERS OR LICENSORS, INCLUDING WITHOUT LIMITATION APPLE INC., BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES, LOST PROFITS, LIABILITIES OR OTHER DAMAGES OR LOSSES WHATSOEVER ARISING OUT OF YOUR ACCESS, USE, MISUSE, RELIANCE ON OR INABILITY TO USE THE SERVICES, CONTENT, OR ANY SITES LINKED, FROM OR ACCESSED THROUGH THE SERVICES, HOWEVER CAUSED, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF TREECARD, ANY OF ITS AFFILIATES, OR ANY OF THEIR RESPECTIVE REPRESENTATIVES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, OR IN CONNECTION WITH, ANY INTERRUPTION IN AVAILABILITY OF THE SERVICES OR CONTENT, FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, LOSS OF DATA, DELETION OF FILES, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE, WHETHER OR NOT CAUSED BY EVENTS BEYOND THEIR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ACTS OF GOD, COMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO OUR RECORDS, MATERIALS, OR SERVICES.
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Disallowance of Exclusions or Limitations; Sole Remedy. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES, IN THOSE JURISDICTIONS, (I) WARRANTIES BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAWM AND (II) OUR LIABILITY WILL BE LIMITED TO THE AMOUNTS WE RECEIVED FROM YOU IN CONNECTION WITH THE APPLICABLE SERVICE OR THE LOWEST AMOUNT PERMITTED BY LAW. IF YOU ARE DISSATISFIED WITH THE SERVICES OR CONTENT OR DO NOT WISH TO ACCEPT THE LIMITATIONS OF LIABILIABILITY OR INDEMNIFICATION OBLIGATIONS BELOW, YOUR SOLE REMEDY IS TO STOP USING THE SERVICES.
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11) Indemnification. You agree to defend, indemnify, defend and hold harmless Treecard, its affiliates, service providers, vendors, licensors, and its and their respective officers, directors, employees, representatives, agents, affiliates, successors and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including attorneys' fees and legal expenses (including any incurred in enforcement of this provision), arising from or relating to: (i) your (or any third party using your identity or account on the Services) use or misuse of, or access to, the Services or Content; (ii) Your Content provided by you (or any third party using your identity or account on the Services); (iii) or your (or any third party using your identity or account on the Services) breach of these Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses and providing any and all necessary or reasonable information and access (including to individuals).

12) Governing Law; Dispute Resolution.

Governing Law. These Terms, the Services and Content are subject to the laws in effect in the State of New York, without giving effect to their conflicts of law principles.
Dispute Resolution. With respect to any and all disputes arising out of or in connection with the Services, these Terms, or the Privacy Policy, you and Treecard agree to negotiate in good faith and undertake reasonable efforts to cooperate with one another in order to achieve a mutually satisfactory resolution. If you and Treecard do not resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by confidential binding arbitration in accordance with the commercial rules of arbitration of the American Arbitration Association (“AAA”) in New York City, New York. You and Treecard explicitly disclaim any applicability of the U.N. Convention on Contracts for the International Sale of Goods to this Agreement. All arbitration proceedings will be conducted in English. Such arbitration will have one (1) neutral arbitrator if the amount in controversy is less than one million dollars ($1,000,000) or otherwise before a panel of three (3) neutral arbitrators. Each of the arbitrators must be (i) a lawyer licensed to practice law in the United States with a minimum of fifteen (15) years of legal practice or senior level business experience or a retired judge with a minimum of five (5) years of service on the bench, (ii) an individual with at least five (5) years of experience as an arbitrator, and (iii) on the roster of neutrals of the AAA or similar nationally recognized ADR organization. If the arbitration proceedings shall be conducted before a panel of three neutral arbitrators, the panel shall be selected using the following process: Within fifteen (15) days after the commencement of arbitration, you and Treecard shall each select one person meeting the specified qualifications to act as neutral arbitrator, and the two thus selected shall select a third neutral arbitrator meeting the specified qualifications within fifteen (15) days of their appointment. The third neutral arbitrator shall act as the chair of the arbitration panel. If the arbitrators selected by you and Treecard are unable to or fail to agree upon the third arbitrator, the third arbitrator shall be selected by the AAA. Notwithstanding this arbitration provision, Treecard may seek emergency, temporary, or preliminary injunctive relief from a competent court of law or equity pending the final ruling of the arbitrator(s), without any requirement to post bond, to prevent irreparable harm arising from any unlawful acts by you.
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THE ARBITRATION OF DISPUTES PURSUANT TO THESE TERMS SHALL BE IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF OTHER PERSONS OR PARTIES WHO MAY BE SIMILARLY SITUATED. YOU AGREE THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (1) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SERVICES AND/OR THESE TERMS, WILL BE RESOLVED INDIVIDUALLY THROUGH BINDING ARBITRATION AS SET FORTH ABOVE, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (2) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY), BUT IN NO EVENT WILL ATTORNEYS' FEES BE AWARDED OR RECOVERABLE; (3) UNDER NO CIRCUMSTANCES WILL YOU BE PERMITTED TO OBTAIN ANY AWARD FOR, AND YOU HEREBY KNOWINGLY AND EXPRESSLY WAIVE ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES, AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (4) YOUR REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND YOU IRREVOCABLY WAIVE ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.THE ARBITRATOR'S AWARD SHALL BE BINDING AND MAY BE ENTERED AS A JUDGMENT IN A COURT OF COMPETENT JURISDICTION. YOU AGREE THAT WE MAY SEEK ANY INTERIM OR PRELIMINARY RELIEF FROM A COURT OF COMPETENT JURISDICTION IN NEW YORK COUNTY, NEW YORK, RESONABLE OR NECESSARY TO PROTECT ITS RIGHTS OR PROPERTY PENDING THE COMPLETION OF ARBITRATION. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN AN ARBITRATION, YOU WAIVE, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, CLAIM OR PROCEEDING BROUGHT TO ENFORCE, DEFEND OR INTERPRET ANY RIGHTS OR REMEDIES ARISING HEREUNDER, RELATING TO OR IN CONNECTION WITH THIS AGREEMENT.EXCEPT TO THE EXTENT SUCH TIME LIMITATION IS PROHIBITED BY LAW, ANY CLAIM OR DISPUTE ARISING OUT OF OR IN CONNECTION WITH THE SERVICES, THESE TERMS, OR THE PRIVACY POLICY, BY YOU MUST BE FILED WITHIN ONE YEAR IN AN ARBITRATION PROCEEDING. THE ONE-YEAR PERIOD BEGINS WHEN THE CLAIM OR NOTICE OF DISPUTE FIRST COULD BE FILED. IF A CLAIM OR DISPUTE ISN'T FILED WITHIN ONE YEAR, IT'S PERMANENTLY BARRED.

13) Monitoring.

We expressly reserve the right to monitor any and all use of the Services, but have absolutely no obligation to do so, nor to continue to do so at any point. We also reserve the right to investigate and take legal action against any against any illegal and/or unauthorized use of the Services and/or Content.

14) General.

Changes to These Terms. Treecard reserves the right to change or modify these Terms at any time in our sole discretion without further notice. Changes will be effective immediately upon being posted on this page unless otherwise specified. If we make material changes, if we have your contact information, we will notify you directly prior to the changes taking effect. Continuing to use the Services after we post changes to these Terms constitutes your acceptance of those changes. When we make changes to these Terms, we will post any changes on this page so please check back frequently so you are aware of any changes, as they are binding on you.
Severability. If any provision of these Terms is held to be void, illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of these Terms will continue in full force and effect.
Headings for Convenience Only. and no interpretation or construction of these Terms shall be derived from or based on headings.
No Waiver. No waiver of by Treecard of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Treecard to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
Agency. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms and neither party has any authority of any kind to bind the other in any respect.
Assignability. These Terms are personal to you, and are not assignable, transferrable or sublicensable by you except with our prior written consent. We may assign, transfer or delegate any of our rights and obligations hereunder without your consent and without notice.
Notices. Unless otherwise specified in these Terms, all notices under these Terms will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e- mail; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service. All notices to us must be sent to: 9450 SW Gemini Dr PMB 84131 Beaverton, Oregon 97008-7105.
Entire Agreement. These Terms, together with the any Additional Terms, make up the entire agreement between you and Treecard regarding the Services.
Online Purchase. To purchase products, merchandise, or other items through the Services, or to Chip-In you must provide valid payment card and billing information. That information will be collected by Treecard's applicable service provider. Your information will be collected and used in accordance with Treecard's PrivacyPolicy. When you purchase items through the Services, prices will be made clear during the order process. You agree to pay the price that is stated, as well as any applicable taxes. You also agree to have your payment card billed for the total amount displayed at check out. By purchasing items through the Services, you represent and warrant to Treecard that you are capable of entering into a contract under the applicable law.
Links to Third-Party Sites. The Services may include links to third-party websites or apps, including social media platforms. Those third-party websites and services are not Services operated or controlled by us. These Terms do not apply to, and we do not control and are not responsible for, the practices of those third-party websites or services. Hypertext links are provided as a service to users and are not necessarily sponsored by or affiliated with the Services or Treecard. Treecard has not necessarily reviewed the sites hyperlinked to or from the Services and is not responsible for the content of any other site. These links are to be accessed at your own risk. Treecard makes no representations or warranties about the content, completeness, or accuracy of these links or the sites hyperlinked to or from the Services. Furthermore, Treecard does not endorse, explicitly or implicitly, third-party sites or services hyperlinked to or from the Services.
Survival. Any provisions of these Terms which, by their nature, are intended to survive, shall survive the termination of these Terms, unless found to be legally unenforceable.

14) Contact Us. If you have any questions about these Terms or the Services, please contact us at 9450 SW Gemini Dr PMB 84131 Beaverton, Oregon 97008-7105 US or via email at support@treecard.org.
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Last Updated: August 7th 2024

ANNEX A: APPLE IOS SOFTWARE APPLICATIONS

The following additional terms apply to your use of the Treecard App through Apple iOS mobile application software programs (“App Services”), and are in addition to the terms of use above and any Additional Terms, which are incorporated herein by reference.

The Agreement is entered into and binding between you and us, and not Apple, Inc. (“Apple”), and as between us and Apple, we are responsible for the App Services and their content, subject to the limitations and disclaimers contained in the Agreement. Apple has no obligation whatsoever to furnish any maintenance and support with respect to the App Services. Apple is not responsible for addressing any claims by you or any third party relating to the App Services, including but not limited to: (a) product liability claims; (b) any claim that the App Services fail to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation. In the event of any third-party claim that the App Services or your possession and use of the of the App Services infringes that third party’s intellectual property rights, we, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
The license granted to you is a non-transferable license to use the App on any Apple-branded Products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with the purchaser via Family Sharing or volume purchasing.
You are only permitted to use the App Services on any Apple-branded products that you own or control, and as permitted by the App Store Terms of Service, except that the App Services may be accessed, acquired, and used by other accounts associated with the purchaser via Apple’s Family Sharing functionality or volume purchasing.
We are providing the App Services AS-IS, and disclaims all warranties of any kind, express or implied, as fully set forth in the Agreement. To the extent any warranty is nevertheless adjudged to exist by a court of law or other legal authority with respect to the App Services, and is not effectively disclaimed by the Agreement, however, Treecard, and not Apple, is responsible for any such warranty term with respect to the App Services. Apple’s sole warranty obligation in such circumstances is limited to refunding the App Store purchase price of the particular App Services upon receipt of notification from you that the App Services failed to conform to the applicable warranty, and to the maximum extent permitted by law, Apple will have no other warranty obligation whatsoever with respect to the App Services, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty shall be our sole responsibility.
You must comply with any applicable terms of third-party agreements relating to your use of the App Services.
You acknowledge that Apple and its subsidiaries are third-party beneficiaries of the Agreement with respect to the App Services, and that, upon your acceptance of the Agreement, Apple will have a right (and will be deemed to have accepted the right) to enforce the Agreement against you with respect to the App Services as a third-party beneficiary thereof.

This website is operated by Treecard Inc. Treecard reserves the right to restrict or revoke any and all offers at any time. The Treecard® Mastercard® debit Card is issuThis website is operated by Treecard Inc. Treecard reserves the right to restrict or revoke any and all offers at any time. The Treecard® Mastercard® debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

1. Data pulled from Chase Bank Account Details as of Sept. 5th, 2022. https://www.chase.com/personal/checking/total-checking
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2. Data pulled from Wells Fargo Bank Account Details as of Sept. 5th, 2022:https://www.wellsfargo.com/checking/everyday

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