Zelle Network® User Service Agreement

Last Updated: November 3, 2017

YOU MUST AGREE TO THESE TERMS TO REGISTER FOR THE SERVICE PROVIDED BY THE ZELLE NETWORK AND DESCRIBED BELOW. BY AGREEING TO THESE TERMS, YOU ALSO AGREE TO THE TERMS OF THE ZELLE NETWORK’S PRIVACY AND INFORMATION SECURITY NOTICE (THE “PRIVACY POLICY”) REFERENCED IN SECTION 4 OF THESE TERMS AND THE ZELLE NETWORK’S E-SIGN DISCLOSURE AND CONSENT (THE “E-SIGN CONSENT”). THESE TERMS, INCLUDING THE PRIVACY POLICY AND E-SIGN CONSENT, GOVERN YOUR USE OF THE SERVICE AND DESCRIBE YOUR LEGAL RIGHTS.

The Zelle Network (referred to in this Agreement as “Zelle,” “we,” “us,” or “our”) provides a service (the “Service”) that enables a convenient way to transfer money between you and others who are enrolled directly with Zelle or enrolled with a financial institution that partners with Zelle (each, a “User”) using aliases, such as email addresses or mobile phone numbers. We refer to financial institutions that have partnered with Zelle as “Network Financial Institutions.”

When you send and receive money using the Service with a bank account held at a financial institution that is not a Network Financial Institution (as defined above), the terms of the “Zelle Network User Service Agreement – For Accounts Not Held at a Network Financial Institution” found here apply.

When you send and receive money using the Service with a bank account held at a Network Financial Institution (as defined above), the terms of the “Zelle Network User Service Agreement –Network Financial Institution Accounts” found here apply.

Zelle Network User Service Agreement – For Accounts Not Held at a Network Financial Institution

1. Description of Services

  • Zelle provides no deposit account or other financial services. You may not establish a financial account with Zelle of any kind. Zelle does not transfer the money. All money will be transferred by a Network Financial Institution.
  • Your use of the Service will at all times be subject to the terms and conditions of this Service Agreement. The transfer of money that you send or receive by using the Service is also subject to the terms and conditions of your account agreement with your financial institution.

2. Eligibility and User Profile; Amendments to this Service Agreement

To be a User, you must (a) register with a U.S. address and U.S. mobile phone number, and (b) have (i) a U.S. checking or savings account, and/or (ii) a debit card issued in conjunction with a U.S. domestic (not including U.S. territories) checking or savings account by a financial institution that is a member of the Visa® or MasterCard® network and has the ability to receive money in minutes*, and your financial institution must permit electronic funds transfers to and from that account. You may not register with a prepaid debit card issued by a financial institution that is not a Network Financial Institution. 

*Typically, when sending and receiving money with Zelle, if the recipient is already enrolled, the money will be available in minutes.   Some debit cards are not able to receive money in minutes.  Those debit cards cannot be used with Zelle.  More and more banks and credit unions are enabling their debit cards to have the ability to receive money in minutes, so if your debit card is not currently eligible, it may work in the future.

When you register to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Service Agreement.

You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the registered bank account, and if applicable, (c) you are the authorized holder of the registered debit card. You agree that you will not use the Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, including without limitation, the prohibited uses described in Section 3 below. We reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service in a manner that exposes Zelle and/or the Network Financial Institutions to liability, reputational harm or brand damage.

When you register with Zelle, you may establish one or more profiles. Each profile may be created with one or more aliases, such as your mobile phone number and/or email address; however, only one bank account and/or debit card may be linked to a profile. You may not establish more than one profile with the same mobile phone number or email address, and you may not link more than one bank account or debit card to a particular mobile phone number or email address.  

Subject to applicable law, Zelle may amend or change this Service Agreement (including any applicable fees and service charges) from time to time, in its sole discretion, by posting the updated terms on the Zelle mobile app and at zellepay.com (each referred to individually or collectively as, the “Site”). Please access and review this Service Agreement regularly. If you find the Service Agreement unacceptable to you at any time, promptly cancel your profile and enrollment with Zelle and immediately discontinue your use of the Services. Your continued access of the Zelle Site or use of the Services after any amendment, modification or change to the terms and conditions of this Service Agreement shall constitute your agreement and acceptance to such amendment, modification or change.

3. Prohibited Uses

The Service is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose of the uses identified directly below.

You agree that you will not use the Service to request, send or receive money related to any of the following:

  • Pharmaceuticals and other controlled substances;
  • Illegal drugs;
  • Drug paraphernalia;
  • Firearms, ammunition or other weapons;
  • Sexually oriented activities or materials;
  • Pornography;
  • Obscene or offensive activities or materials;
  • Materials or activities that promote intolerance, violence or hate;
  • Ponzi or pyramid schemes;
  • Illegal gambling, gaming, lotteries or sweepstakes;
  • Traveler’s checks, money orders, equities, annuities, or currencies, including digital currencies, such as bitcoins;
  • Counterfeit materials;
  • Infringement on the copyright, patent, trademark, trade secret or other intellectual property rights of Zelle, a Network Financial Institution, another User or any other third party;
  • Terrorist funding;
  • Fraud;
  • Money laundering; or
  • Any other illegal activity or unlawful purpose.

4. Consent to Share Personal Information (Including Account Information)

By accepting this Service Agreement, you consent to Zelle’s disclosure of your personal information (including bank account information) to our Network Financial Institutions or other third parties for the following purposes:

  • As necessary for Network Financial Institutions to complete money transfers between you and other Users;
  • As necessary to resolve a problem related to a transfer or payment between you and another User;
  • To verify the validity of your bank account;
  • To verify the validity of your debit card;
  • To comply with government agency or court orders;
  • To our affiliates, as permitted by law;
  • To verify your identity for purposes of compliance with applicable laws, including without limitation the USA PATRIOT Act;
  • To comply with inquiries in connection with fraud prevention or any investigation;
  • For our general internal business purposes, including without limitation data analysis and audits; or
  • As otherwise permitted by the terms of our Privacy and Information Security Notice.

You agree that if you register for the Service using your debit card, Zelle may use the information that you provide to access your bank account information for the purpose of facilitating payment transactions.

Further, if your financial institution later becomes a Network Financial Institution, you authorize Zelle to share relevant information about you and your account with that financial institution so it may contact you with changes or actions that may need to occur (if any) for you to continue uninterrupted use of the Service, and for the purposes described above in this Section 3.

Except as otherwise provided above, Zelle will neither disclose nor share any of your personal information with Network Financial Institutions, affiliates or any third party for purposes of marketing their or Zelle’s products or services to you.

5. Privacy and Information Security

Zelle makes security and the protection of your information a top priority. You can access Zelle’s Privacy and Information Security Notice at zellepay.com/privacy-policy, which Privacy and Information Security Notice is incorporated into and made a part of this Service Agreement by this reference.

6. Registering with Zelle

a. To participate as a User, you must first register with Zelle. You must provide Zelle with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses), a US mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers), and we may ask you to provide your mailing address.

b. You must register through the Site from your personal computer or mobile device.

c. Zelle requires you to use an email address or US mobile number as your username for access and to establish a password that meets the security requirements described on our Site.

d. At registration, Zelle will collect information from you necessary to verify your identity, which Zelle will do to protect you, itself, the Network Financial Institution, and other financial institutions where you or the individual that you are receiving money from or sending money to holds an account, from fraud and to comply with applicable laws. Zelle reserves the right to deny your registration or request additional information from you if you do not provide this information, if Zelle cannot verify your identity or your bank account and/or debit card information, or if Zelle has concerns about fraud or security.

e. Zelle also may request additional information about you from time to time. Zelle may cancel or suspend your registration or block a transaction if you do not provide this information, if Zelle cannot verify your identity with the information you provide, or if Zelle has concerns about fraud or security.

f. Once registered:

(1) You may authorize a debit of your account to send money to a User that is registered as a customer of a Network Financial Institution (including in response to a request of that customer); however, there are a limited number of Network Financial Institutions that may not be able to accept money from certain debit cards issued by financial institutions that are not Network Financial Institutions. YOU MAY NOT SEND MONEY TO A USER THAT IS REGISTERED AS A CUSTOMER OF A FINANCIAL INSTITUTION THAT IS NOT A NETWORK FINANCIAL INSTITUTION.

(2) You may receive money from a User that is registered as a customer of a Network Financial Institution.  YOU MAY NOT RECEIVE MONEY FROM A USER THAT IS REGISTERED AS A CUSTOMER OF A FINANCIAL INSTITUTION THAT IS NOT A NETWORK FINANCIAL INSTITUTION.

7. Consent to Emails and Automated Text Messages.

By participating as a User, you represent to Zelle that you are the owner of the email address, the mobile phone number, and/or other alias you registered, or that you have the delegated legal authority to act on behalf of the owner, of that email address, mobile phone number, and/or other alias to send or receive money as described in this Service Agreement. You consent to the receipt of emails or text messages from Zelle, other Users that are sending you money or requesting money from you, and the Network Financial Institutions or their agents regarding the Services or related transfers between Network Financial Institutions and you. You agree that Zelle, the Network Financial Institutions, or their respective agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you register.

You further acknowledge and agree:

  • You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees.
  • You will immediately notify us if any mobile phone number or email address you have registered is (i) surrendered by you, or (ii) changed by you.
  • In the case of any messages that you may send through Zelle or that Zelle may send on your behalf to an email address or mobile phone number, you represent to Zelle that you have obtained from the recipient of such emails or automated text messages consent to send such emails or text messages. You understand and agree that any emails or text messages that Zelle sends on your behalf may include your name.
  • Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from Zelle, including messages that you may send through Zelle or that Zelle may send on your behalf.
  • To cancel text messaging from Zelle, send STOP to 1-855-589-7541 or 1-844-445-9584. For help or information regarding text messaging, send HELP to 1-855-589-7541 or 1-844-445-9584 or contact Zelle customer service at 1-844-428-8542. You expressly consent to receipt of a text message to confirm your “STOP” request.

8. Wireless Operator Data

Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to Zelle with your wireless operator account profile information for the duration of the business relationship. See Zelle’s Privacy Policy for how we treat your data.

9. Receiving Money; Money Transfers by Network Financial Institutions

Once a User initiates a transfer of money to your email address or mobile phone number registered with the Service, you have no ability to stop the transfer. By using the Service, you agree and authorize our Network Financial Institutions to initiate credit entries to the bank account or debit card you have registered with Zelle.

Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, Zelle and the Network Financial Institutions, Zelle may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your notification preferences (i.e. email, text message, in-app notification).

If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with the terms and requirements of your financial institution and the procedures of the business or government agency that is sending you the payment.

While Zelle maintains and enforces standards for all parties in the Zelle Network, we have no control over the actions of other Users, the Network Financial Institution or other financial institutions that could delay or prevent a transfer of money to you.

10. Sending Money; Debits by Network Financial Institutions

You may send money to another User at your initiation or in response to that User’s request for money. You understand that use of this Service by you shall at all times be subject to (i) this Service Agreement, (ii) your express authorization for a Network Financial Institution to initiate a debit entry to your bank account, and (iii) the terms and conditions of your account agreement with your financial institution. You understand that when you send the payment, you will have no ability to stop it.

In most cases, when you are sending money, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, Zelle and the Network Financial Institutions, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not registered as a User with Zelle, the transfer may take up to three (3) days from the day the intended recipient responds to the payment notification by registering as a User. You understand and acknowledge that a person to whom you are sending money and who is not registered as a User may fail to register with Zelle, or otherwise ignore the payment notification, and the transfer may not occur.

If you initiate a payment to a recipient that is not a registered Zelle User, Zelle will send that intended recipient an invitation to register. If that recipient is also not a customer of a Network Financial Institution, or if the recipient does not accept the invitation to register, then the money will not be sent.

The money may also be delayed or the transfer may be blocked by Zelle to prevent fraud or comply with regulatory requirements. If Zelle delays or blocks a transfer that you have initiated, Zelle will notify you in accordance with your notification preferences (i.e. email, text message, in-app notification). If you have chosen to receive in-app notifications through Zelle’s mobile application, Zelle may send you both an in-app notification and an email to inform you that a payment that you initiated has been delayed or blocked.

Zelle has no control over the actions of other Users, the Network Financial Institution or other financial institutions that could delay or prevent your money from being delivered to the intended User.

11. Liability for Sending and Receiving Money

Neither Zelle nor the Network Financial Institutions shall have any liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of Zelle or the Network Financial Institutions, to complete a transaction in the correct amount, or (ii) any related losses or damages.

Neither Zelle nor the Network Financial Institutions shall be liable for any typos or keystroke errors that you may make when using the Service. YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ENTERING THE CORRECT MOBILE PHONE NUMBER OR EMAIL ADDRESS FOR THE PERSON THAT YOU ARE SENDING MONEY TO OR REQUESTING MONEY FROM, AND THAT YOU, NOT ZELLE OR THE NETWORK FINANCIAL INSTITUTIONS, ARE RESPONSIBLE FOR ANY AMOUNTS THAT ARE TRANSFERRED TO THE INCORRECT PERSON AS A RESULT OF YOU ENTERING THE INCORRECT MOBILE NUMBER OR EMAIL ADDRESS.

You acknowledge that neither Zelle nor the Network Financial Institutions shall have any liability for your failure to comply with the terms and conditions of your account agreement with your financial institution.

ZELLE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND PEOPLE WITH WHOM YOU ARE FAMILIAR. WE RECOMMEND THAT YOU NOT USE ZELLE TO SEND MONEY TO PERSONS THAT YOU DO NOT KNOW. YOU AGREE THAT YOU, NOT ZELLE OR THE NETWORK FINANCIAL INSTITUTIONS, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.

12. Limitations on Transfers: Send Limits

As a customer of a financial institution that is not a Network Financial Institution, Zelle will limit the amounts you can send to another User when using the Services to $300 per rolling 7-day period with no limit on the number of transactions. Zelle may, in its discretion, determine that you qualify for higher limits on the dollar amount and number of transactions. Your limit will never be more than $3,000 per week or $5,000 per month. In the event that your transfer exceeds a limit, you will be informed of the allowable amount you can transfer at that time.

13. Requesting Money

You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Zelle does not guarantee that you will receive money from other Users by sending a payment request. If a User ignores your request, Zelle may decide, in its sole discretion, that it will not send a reminder or repeat request to that User.

By accepting this Service Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order.

You agree to receive money requests from others and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and may not be reviewed or verified by Zelle or the Network Financial Institutions. Neither Zelle nor the Network Financial Institutions assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

14. Transaction Errors

If you have a question about a transfer that you received or expected to receive, then you should contact the sender first and attempt to resolve the issue. ALL QUESTIONS ABOUT TRANSFERS FACILITATED BY ZELLE SHOULD FIRST BE DIRECTED TO ZELLE AND THEN TO THE FINANCIAL INSTITUTION WHERE YOU HAVE YOUR ACCOUNT.

We will not send you a periodic statement listing transfers facilitated through Zelle. Those transfers will appear only on the statement issued by your financial institution. PLEASE RETAIN THE RECORDS FROM YOUR USE OF THE SERVICE AND CHECK THEM AGAINST THE STATEMENT YOU RECEIVE FROM YOUR FINANCIAL INSTITUTION.

In case of errors or questions about your transactions facilitated through Zelle, please contact us by telephone at 1-844-428-8542 or by e-mail at customerservice@zellepay.com; or write to us at 16552 N. 90th Street, Scottsdale, Arizona 85260, Attn: [ZELLEPAY] as promptly as you can. We must hear from you no later than 90 days after you received the first statement or receipt upon which the problem or error appeared. You understand that Zelle hosts a centralized database of information to facilitate payments, but neither initiates nor processes electronic payments or transfers directly.

  • Tells us your name and the email address or mobile phone number you registered with Zelle.
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.
  • If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.
  • Zelle maintains a database of information and through the Service provides the Network Financial Institutions with information necessary to facilitate the transfer of money (“Messages”); however, Zelle neither transfers, moves nor initiates the transfer or movement of money. Zelle will determine whether there is an error in the database or whether an error occurred in the delivery of a Message related to the transaction and will correct any error promptly. If Zelle determines that no error occurred in the database or the Message, then Zelle will work with the Network Financial Institution that initiated the transfer to assist with the investigation of your claim. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly.
  • We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
  • For the purpose of this Service Agreement, “business days” means Monday through Friday, excluding federal banking holidays.

15. Your Liability for Unauthorized Transfers

Please immediately call Zelle at the number above or write to the address above if:

  • YOU BELIEVE THAT YOUR ZELLE PASSWORD HAS BEEN STOLEN OR A TRANSFER OF MONEY HAS BEEN MADE FROM YOUR BANK ACCOUNT WITHOUT YOUR PERMISSION.
  • You need more information about a money transfer using the Service.
  • An unauthorized person has discovered your Zelle password and may divert money meant for you to their account.

IF YOU BELIEVE THAT THE SERVICE HAS BEEN USED TO MAKE AN UNAUTHORIZED WITHDRAWAL FROM YOUR BANK ACCOUNT, OR IF YOUR BANK STATEMENT OR TRANSACTION RECORD REFLECTS AN ERROR IN A MONEY TRANSFER USING THE SERVICE, THEN YOU SHOULD CONTACT YOUR FINANCIAL INSTITUTION IN ADDITION TO ZELLE. FAILURE TO NOTIFY YOUR FINANCIAL INSTITUTION DIRECTLY AND PROMPTLY MIGHT LIMIT YOUR RIGHTS UNDER YOUR ACCOUNT AGREEMENT AND APPLICABLE LAW.

Telephoning is the best way of keeping your possible losses down. The limit on your liability for unauthorized transfers are determined by the agreement between you and your financial institution, but cannot exceed the amounts described below:

If you report the loss of your Zelle password to us within four (4) business days after learning of its theft or loss, your liability will not exceed the lesser of: 1) $50, or 2) the amount of any unauthorized transfers that occur before you reported the loss of your password. If you fail to report the loss of your password within four (4) business days then your liability may not exceed the lesser of: 1) $500, or 2) the sum of either $50 or the amount of unauthorized transfers that occur before you reported the loss of your password (whichever is less), plus the amount of unauthorized transfers that occur after the four (4) business days and before you reported the loss of your password, if those unauthorized transfers would not have occurred if you had reported the loss.

16. Liability for Failure to Complete Transfers

Zelle and the Network Financial Institutions have no liability for your losses or damages:

  • If, through no fault of Zelle, the sender does not properly complete the transfer to your account.
  • If, through no fault of Zelle, your account does not contain sufficient funds to make the transfer and the transfer would exceed any credit line or any overdraft protection for such account.
  • If, through no fault of Zelle or the Network Financial Institutions, the person that you are sending money to does not receive the email or text message containing a payment notification with instructions to register with Zelle.
  • If the Service or Network Financial Institution’s services weren't working properly, and the sender knew about the malfunction when the sender initiated the transfer.
  • If the financial institution holding your account mishandles or delays processing or posting a transfer facilitated by the Service.
  • If circumstances beyond our control (such as fire or flood) prevented the transaction or transfer, despite reasonable precautions we've taken.

The list of examples set out in this section is meant to illustrate circumstances under which Zelle would not be liable for a transfer not being completed and is not intended to list all of the circumstances where Zelle would not be liable.

17. Correcting your Account Information

THIS SECTION APPLIES TO YOU AS A CUSTOMER OF A FINANCIAL INSTITUTION THAT IS NOT A NETWORK FINANCIAL INSTITUTION AND YOU HAVE ENROLLED IN THE SERVICE WITH YOUR BANK ACCOUNT, NOT YOUR DEBIT CARD. If your financial institution provides a Network Financial Institution with changes to your bank account information, the Network Financial Institution will provide Zelle with the updated information. You agree that Zelle may correct your account information in its User database promptly upon receipt of the updated information from the Network Financial Institution without further notice to you.

18. Fees

Zelle charges no fees for your use of the Service to complete transfers between Network Financial Institutions and you. However, Zelle reserves the right to charge a fee in the future for any current Services, and Zelle may develop new uses or other services for Users and a fee may apply for such other uses or services. You will be notified in advance of any fees in accordance with Section 2 above. Fees, when applicable, will be displayed prior to each use of Services. Please note that Zelle has no responsibility for any fees that your financial institution or your mobile carrier may charge you in connection with your transactions through Zelle.

19. Use of Our Site

You agree to access the Zelle Site in compliance with our Terms of Use, which are available at zellepay.com/terms-use and incorporated into and made part of this Service Agreement by this reference.

20. Cancellation

You may cancel your use of the Services at any time by notifying Zelle of your intent to cancel by calling us at 1-844-428-8542. Canceling your use of the Service means Zelle will inactivate your profile and login on our Site, and the email address or mobile number that you registered will no longer be eligible to send or receive money. At the time you instruct Zelle to cancel your use of the Service, any transfers in process using the Service will be completed to or from your bank account that was associated with your profile, but no new transfers will be initiated to or from that bank account through Zelle. You must re-enroll with Zelle, or enroll with one of the Network Financial Institutions where you are a customer to receive any subsequent payments sent to you after you cancel your use of the Service.

21. Zelle Right to Terminate Access

Subject to applicable law, Zelle may terminate or suspend this Service Agreement and your use of the Zelle Site and Services, in whole or in part, at any time for any reason without cause and without prior notice. Any obligations or liabilities incurred by you prior to the date of termination shall survive the termination of this Service Agreement.

You understand that at any time during the term of this Service Agreement your financial institution may become a Network Financial Institution and you may have the opportunity to continue as a User on the Zelle Site and/or use the Service through the Network Financial Institution’s online site or mobile app. Subject to the terms and conditions of an agreement between Zelle and your financial institution, Zelle will provide you notice and further instructions relating to the continued access to the Zelle Site and Service and/or instructions on how to enroll with your financial institution.

22. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, ZELLE MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. ZELLE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. ZELLE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

23. Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK FINANCIAL INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE DESCRIBED OR PROVIDED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF ZELLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ZELLE’S SERVICE OR WITH THE TERMS OF THIS SERVICE AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR NETWORK FINANCIAL INSTITUTIONS IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

24. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Zelle Service, and except as otherwise provided in this Service Agreement, you also agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, or inability to use the Services, or any violation by you of the terms of this Service Agreement.

25. Governing Law; Choice of Law; Severability

This Service Agreement will be governed by and construed under the laws of the State of Delaware, excluding only its conflict of law provisions, and shall inure to the benefit of Zelle’s successors and assigns, whether by merger, consolidation or otherwise. By using the Site, you hereby submit to the exclusive jurisdiction of the courts within the State of Delaware, and waive any jurisdictional venue or inconvenient forum objections to such courts. You further agree to comply with any applicable federal, state and local laws in your use of the Services. If any provision of this Service Agreement is found to be unenforceable for any reason by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remaining provisions of this Service Agreement will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.

26. Miscellaneous

Subject to the terms of this Service Agreement, the Services are generally available 24 hours a day, seven (7) days a week with the exception of outages for maintenance and circumstances beyond the control of Zelle and the Network Financial Institutions. Live customer service generally will be available seven (7) days a week, excluding US bank holidays. Please consult the Zelle Site for exact customer service hours.

 

Zelle Network User Service Agreement – Network Financial Institution Accounts

1. Description of Services

a. Zelle provides no deposit account or other financial services. You may not establish a financial account with Zelle of any kind. Zelle does not transfer the money. All money will be transferred by a Network Financial Institution.

b. Your use of the Service will at all times be subject to the terms and conditions of this Service Agreement. Your use of the Service is also subject to the terms and conditions of the agreement between you and your financial institution. If there are conflicts between this Service Agreement and the agreement between you and your financial institution, the terms of the agreement with your financial institution will govern. Examples may include, but are not limited to, any fees that your financial institution may charge as described in the Section below titled “Fees,” or limits on the amount of money that you may send as described below in the Sections titled “Limitations on Transfers; Send Limits.”

2. Eligibility and User Profile; Amendments to this Service Agreement

To be a User, you must (a) register with a U.S. address and U.S. mobile phone number, and (b) have (i) a U.S. checking or savings account, and/or (ii) a debit card issued in conjunction with a U.S. domestic (not including U.S. territories) checking or savings account by a financial institution that is a member of the Visa® or MasterCard® network and has the ability to receive money in minutes*, and your financial institution must permit electronic funds transfers to and from that account.  You may be able to register with a prepaid debit card issued by a financial institution that is a Network Financial Institution and a member of the Visa® or MasterCard® network.  Restrictions apply.  Not all prepaid debit cards are eligible for registration.

*Typically, when sending and receiving money with Zelle, if the recipient is already enrolled, the money will be available in minutes.   Some debit cards are not able to receive money in minutes.  Those debit cards cannot be used with Zelle.  More and more banks and credit unions are enabling their debit cards to have the ability to receive money in minutes, so if your debit card is not currently eligible, it may work in the future.

When you register to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Service Agreement.

You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the registered bank account, and if applicable, (c) you are the authorized holder of the registered debit card. You agree that you will not use the Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, including without limitation, the prohibited uses described in Section 3 below. We reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service in a manner that exposes Zelle and/or the Network Financial Institutions to liability, reputational harm or brand damage.

When you register with Zelle, you may establish one or more profiles that will be linked to one or more bank accounts and/or debit cards.   If you are a User enrolling with a bank account at a Network Financial Institution then you may be able to access the Service by using either the Zelle Site and/or the Network Financial Institution’s online or mobile application; however, your financial institution may require you to use its online or mobile application to access the Service.  If you attempt to enroll in the Zelle Site with a bank account at a Network Financial Institution that requires you to access the Service through the financial institution’s online or mobile application, we will direct you to your financial institution’s online or mobile application during your enrollment.


If you are enrolled for the Service with the same mobile number or email address both on the Zelle Site and your financial institution’s online or mobile application:

  • When another User sends you money using that mobile number or email address, it will appear in the activity log of your financial institution’s online or mobile application but not on the Zelle Site.
  • When another User requests money from your using that mobile number or email address, you will receive the request through your institution’s online or mobile application and the request will appear in the activity log of your financial institution’s online or mobile application but not on the Zelle Site.
  • When you send money to another User with the Zelle Site, it will appear in the activity log of the Zelle Site, but it will not appear in the activity log of your financial institution’s online or mobile application.
  • When you request money from another User with the Zelle Site, and that User either accepts or declines your request, the response will be delivered through the Zelle Site.  If the other User sends you money by accepting your request, it will appear in the activity log of the Zelle Site, but it will not appear in the activity log of your financial institution’s online or mobile application.

Subject to applicable law, Zelle may amend or change this Service Agreement (including any applicable fees and service charges) from time to time, in its sole discretion, by posting the updated terms on the Zelle mobile app and at zellepay.com (each referred to individually or collectively as, the “Site”). Please access and review this Service Agreement regularly. If you find the Service Agreement unacceptable to you at any time, promptly cancel your profile and enrollment with Zelle and immediately discontinue your use of the Services. Your continued access of the Zelle Site or use of the Services after any amendment, modification or change to the terms and conditions of this Service Agreement shall constitute your agreement and acceptance to such amendment, modification or change.

3. Prohibited Uses

The Service is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose of the uses identified directly below.

You agree that you will not use the Service to request, send or receive money related to any of the following:

  • Pharmaceuticals and other controlled substances;
  • Illegal drugs;
  • Drug paraphernalia;
  • Firearms, ammunition or other weapons;
  • Sexually oriented activities or materials;
  • Pornography;
  • Obscene or offensive activities or materials;
  • Materials or activities that promote intolerance, violence or hate;
  • Ponzi or pyramid schemes;
  • Illegal gambling, gaming, lotteries or sweepstakes;
  • Traveler’s checks, money orders, equities, annuities, or currencies, including digital currencies, such as bitcoins;
  • Counterfeit materials;
  • Infringement on the copyright, patent, trademark, trade secret or other intellectual property rights of Zelle, a Network Financial Institution, another User or any other third party;
  • Terrorist funding;
  • Fraud;
  • Money laundering; or
  • Any other illegal activity or unlawful purpose.

4. Consent to Share Personal Information (Including Account Information)

By accepting this Service Agreement, you consent to Zelle’s disclosure of your personal information (including bank account information) to our Network Financial Institutions or other third parties for the following purposes:

  • As necessary for Network Financial Institutions to complete money transfers between you and other Users;
  • As necessary to resolve a problem related to a transfer or payment between you and another User;
  • To verify the validity of your bank account;
  • To verify the validity of your debit card;
  • To comply with government agency or court orders;
  • To our affiliates, as permitted by law;
  • To verify your identity for purposes of compliance with applicable laws, including without limitation the USA PATRIOT Act;
  • To comply with inquiries in connection with fraud prevention or any investigation;
  • For our general internal business purposes, including without limitation data analysis and audits; or
  • As otherwise permitted by the terms of our Privacy and Information Security Notice.

You agree that if you register for the Service using your debit card, Zelle may use the information that you provide to access your bank account information for the purpose of facilitating payment transactions.

Except as otherwise provided above, Zelle will neither disclose nor share any of your personal information with Network Financial Institutions, affiliates or any third party for purposes of marketing their or Zelle’s products or services to you.

5. Privacy and Information Security

Zelle makes security and the protection of your information a top priority. You can access Zelle’s Privacy and Information Security Notice at zellepay.com/privacy-policy, which Privacy and Information Security Notice is incorporated into and made a part of this Service Agreement by this reference.

6. Registering with Zelle

a. To participate as a User, you must first register with Zelle. You must provide Zelle with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses), a US mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers) and we may ask you to provide your mailing address.

b. You must register through the Site from your personal computer or mobile device. As a customer of a Network Financial Institution, you may also register on that Network Financial Institution’s website or mobile application.

c. Zelle requires you to use an email address or US mobile number as your username for access and to establish a password that meets the security requirements described on our Site. At registration, Zelle will collect information from you necessary to verify your identity, which Zelle will do to protect you, itself, the Network Financial Institution, and other financial institutions where you or the individual that you are receiving money from or sending money to holds an account, from fraud and to comply with applicable laws. Zelle reserves the right to deny your registration or request additional information from you if you do not provide this information, if Zelle cannot verify your identity or your bank account and/or debit card information, or if Zelle has concerns about fraud or security.

d. Zelle also may request additional information about you from time to time. Zelle may cancel or suspend your registration or block a transaction if you do not provide this information, if Zelle cannot verify your identity with the information you provide, or if Zelle has concerns about fraud or security.

e. Once registered, you may authorize a debit of your account to send money to a User, and receive money from a User.

7. Consent to Emails and Automated Text Messages

By participating as a User, you represent to Zelle that you are the owner of the email address, the mobile phone number, and/or other alias you registered, or that you have the delegated legal authority to act on behalf of the owner, of that email address, mobile phone number and/or other alias to send or receive money as described in this Service Agreement. You consent to the receipt of emails or text messages from Zelle, other Users that are sending you money or requesting money from you, and the Network Financial Institutions or their agents regarding the Services or related transfers between Network Financial Institutions and you. You agree that Zelle, the Network Financial Institutions, or their respective agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you register.

You further acknowledge and agree:

a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees.

b. You will immediately notify us if any mobile phone number or email address you have registered is (i) surrendered by you, or (ii) changed by you.

c. In the case of any messages that you may send through Zelle or that Zelle may send on your behalf to an email address or mobile phone number, you represent to Zelle that you have obtained from the recipient of such emails or automated text messages consent to send those emails or text messages. You understand and agree that any emails or text messages that Zelle sends on your behalf may include your name.

d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from Zelle, including messages that you may send through Zelle or that Zelle may send on your behalf.

e. To cancel text messaging from Zelle, send STOP to 1-855-589-7541 or 1-844-445-9584. For help or information regarding text messaging, send HELP to 1-855- 589-7541 or 1-844-445-9584 or contact Zelle customer service at 1-844- 428-8542. You expressly consent to receipt of a text message to confirm your “STOP” request.

8. Wireless Operator Data

Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to Zelle with your wireless operator account profile information for the duration of the business relationship. See Zelle’s Privacy Policy for how we treat your data.

9. Receiving Money; Money Transfers by Network Financial Institutions

Once a User initiates a transfer of money to your email address or mobile phone number registered with the Service, you have no ability to stop the transfer. By using the Service, you agree and authorize our Network Financial Institutions to initiate credit entries to the bank account or debit card you have registered with Zelle.

Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, Zelle and the Network Financial Institutions, Zelle may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your notification preferences (i.e. email, text message, in-app notification).

If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with the terms and requirements of your financial institution and the procedures of the business or government agency that is sending you the payment.

While Zelle maintains and enforces standards for all parties in the Zelle Network, we have no control over the actions of other Users, the Network Financial Institution or other financial institutions that could delay or prevent a transfer of money to you.

10. Sending Money; Debits by Network Financial Institutions

You may send money to another User at your initiation or in response to that User’s request for money. You understand that use of this Service by you shall at all times be subject to (i) this Service Agreement, (ii) your express authorization for a Network Financial Institution to initiate a debit entry to your bank account, and (iii) the terms and conditions of your account agreement with your financial institution. You understand that when you send the payment, you will have no ability to stop it.

In most cases, when you are sending money, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, Zelle and the Network Financial Institutions, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not registered as a User with Zelle, the transfer may take up to three (3) days from the day the intended recipient responds to the payment notification by registering as a User. You understand and acknowledge that a person to whom you are sending money and who is not registered as a User may fail to register with Zelle, or otherwise ignore the payment notification, and the transfer may not occur.

The money may also be delayed or the transfer may be blocked by Zelle to prevent fraud or comply with regulatory requirements. If Zelle delays or blocks a transfer that you have initiated, Zelle will notify you in accordance with your notification preferences (i.e. email, text message, in-app notification). If you have chosen to receive in-app notifications through Zelle’s mobile application, Zelle may send you both an in-app notification and an email to inform you that a payment that you initiated has been delayed or blocked.

Zelle has no control over the actions of other Users, the Network Financial Institution or other financial institutions that could delay or prevent your money from being delivered to the intended User.

11. Liability for Sending and Receiving Money

Neither Zelle nor the Network Financial Institutions shall have any liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of Zelle or the Network Financial Institutions, to complete a transaction in the correct amount, or (ii) any related losses or damages.

Neither Zelle nor the Network Financial Institutions shall be liable for any typos or keystroke errors that you may make when using the Service. YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ENTERING THE CORRECT MOBILE PHONE NUMBER OR EMAIL ADDRESS FOR THE PERSON THAT YOU ARE SENDING MONEY TO OR REQUESTING MONEY FROM, AND THAT YOU, NOT ZELLE OR THE NETWORK BANKS, ARE RESPONSIBLE FOR ANY AMOUNTS THAT ARE TRANSFERRED TO THE INCORRECT PERSON AS A RESULT OF YOU ENTERING THE INCORRECT MOBILE NUMBER OR EMAIL ADDRESS.

ZELLE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND PEOPLE WITH WHOM YOU ARE FAMILIAR.  WE RECOMMEND THAT YOU NOT USE ZELLE TO SEND MONEY TO PERSONS THAT YOU DO NOT KNOW.  YOU AGREE THAT YOU, NOT ZELLE OR THE NETWORK FINANCIAL INSTITUTIONS, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.

12. Limitations on Transfers: Send Limits

As a customer of a Network Financial Institution, the limit on the amount you can send to another User when using the Services is subject to the terms and conditions of your account agreement with your financial institution. You understand and agree that your financial institution sets the limit on the amount you can send when using the Service on the Zelle Site.  This limit may be different than the limits applicable to you if you use the Service through your financial institution’s mobile app or website, and may be adjusted from time to time.  In the event that your transfer exceeds a limit, you will be informed of the allowable amount you can transfer at that time.

13. Requesting Money

You may request money from another User or Users. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Zelle does not guarantee that you will receive money from other Users by sending a payment request. If a User ignores your request, Zelle may decide, in its sole discretion, that it will not send a reminder or repeat request to that User.

By accepting this Service Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order.
You agree to receive money requests from others and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by Zelle or the Network Financial Institutions. Neither Zelle nor the Network Financial Institutions assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

14. Transaction Errors; Unauthorized Transfers

If you have a question about a transfer that you received or expected to receive, then you should contact the sender first and attempt to resolve the issue.

Please contact Zelle :

  • Immediately, if you believe that your Zelle password has been stolen; or
  • You believe that an error occurred in the processing of a transaction that you initiated using the Service; or
  • If you need more information about a money transfer using the Service.

IF YOU BELIEVE THAT THE SERVICE HAS BEEN USED TO MAKE AN UNAUTHORIZED WITHDRAWAL FROM YOUR BANK ACCOUNT, THEN YOU SHOULD CONTACT YOUR FINANCIAL INSTITUTION. FAILURE TO PROMPTLY NOTIFY YOUR FINANCIAL INSTITUTION MAY LIMIT YOUR RIGHTS UNDER THE ACCOUNT AGREEMENT BETWEEN YOU AND YOUR FINANCIAL INSTITUTION.

We will not send you a periodic statement listing transfers facilitated through Zelle. Those transfers will appear only on the statement issued by your financial institution. PLEASE RETAIN THE RECORDS FROM YOUR USE OF THE SERVICE AND CHECK THEM AGAINST THE STATEMENT YOU RECEIVE FROM YOUR FINANCIAL INSTITUTION.

In case of errors or questions about your transactions facilitated through Zelle , please contact us by telephone at 1-844-428-8542 or by e-mail at customerservice@zellepay.com or write to us at 16552 N. 90th Street, Scottsdale, Arizona 85260, Attn:[ZELLEPAY ] as promptly as you can. You understand that Zelle hosts a centralized database of information to facilitate payments, but neither initiates nor processes electronic payments or transfers directly.

15. Liability for Failure to Complete Transfers

Zelle and the Network Financial Institutions have no liability for your losses or damages:

  • If, through no fault of Zelle, the sender does not properly complete the transfer to your account.
  • If, through no fault of Zelle, your account does not contain sufficient funds to make the transfer and the transfer would exceed any credit line or any overdraft protection for such account.
  • If, through no fault of Zelle or the Network Financial Institutions, the person that you are sending money to does not receive the email or text message containing a payment notification with instructions to register with Zelle.
  • If the Services or Network Financial Institution’s services weren't working properly, and the sender knew about the malfunction when the sender initiated the transfer.
  • If the financial institution holding your account mishandles or delays processing or posting a transfer facilitated by the Services.
  • If circumstances beyond our control (such as fire or flood) prevented the transaction or transfer, despite reasonable precautions we've taken.

The list of examples set out in this Section is meant to illustrate circumstances under which Zelle would not be liable for a transfer not being completed and is not intended to list all of the circumstances where Zelle would not be liable.

16. Fees

Zelle charges no fees for your use of the Service to complete transfers between Network Financial Institutions and you. However, Zelle reserves the right to charge a fee in the future for any current Services, and Zelle may develop new uses or other services for Users and a fee may apply for such other uses or services. You will be notified in advance of any fees in accordance with Section 2 above. Any fees charged by Zelle, when applicable, will be displayed prior to each use of Services. Please note that Zelle has no responsibility for any fees that your financial institution or your mobile carrier may charge you in connection with your transactions through Zelle.

17. Use of Our Site

You agree to access the Zelle Site in compliance with our Terms of Use, which are available at zellepay.com/terms-use and incorporated into and made part of this Service Agreement by this reference.

18. Cancellation

You may cancel your use of the Service at any time by notifying Zelle of your intent to cancel by calling us at 1-844-428-8542. Canceling your use of the Service means Zelle will inactivate your profile and login on our Site, and the email address or mobile number that you registered will no longer be eligible to send or receive money. At the time you instruct Zelle to cancel your use of the Service, any transfers in process using the Service will be completed to or from your bank account that was associated with your profile, but no new transfers will be initiated to or from that bank account through Zelle. You must re-enroll with Zelle, or enroll with one of the Network Financial Institutions where you are a customer to receive any subsequent payments sent to you after you cancel your use of the Service.

19. Zelle Right to Terminate Access

Subject to applicable law, Zelle may terminate or suspend this Service Agreement and your use of the Zelle Site and Service, in whole or in part, at any time for any reason without cause and without prior notice. Any obligations or liabilities incurred by you prior to the date of termination shall survive the termination of this Service Agreement.

20. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, ZELLE MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. ZELLE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. ZELLE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

21. Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK FINANCIAL INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF ZELLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ZELLE’S SERVICE OR WITH THE TERMS OF THIS SERVICE AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR NETWORK FINANCIAL INSTITUTIONS IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

22. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Zelle Service, and except as otherwise provided in this Service Agreement, you also agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, or inability to use the Service, or any violation by you of the terms of this Service Agreement.

23. Governing Law; Choice of Law; Severability

This Service Agreement will be governed by and construed under the laws of the State of Delaware, excluding only its conflict of law provisions, and shall inure to the benefit of Zelle’s successors and assigns, whether by merger, consolidation or otherwise. By using the Site, you hereby submit to the exclusive jurisdiction of the courts within the State of Delaware, and waive any jurisdictional venue or inconvenient forum objections to such courts. You further agree to comply with any applicable federal, state and local laws in your use of the Services. If any provision of this Service Agreement is found to be unenforceable for any reason by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remaining provisions of this Service Agreement will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.

24. Miscellaneous

Subject to the terms of this Service Agreement, the Service is generally available 24 hours a day, seven (7) days a week with the exception of outages for maintenance and circumstances beyond the control of Zelle and the Network Financial Institutions. Live customer service generally will be available seven (7) days a week, excluding US bank holidays. Please consult the Zelle Site for exact customer service hours.