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Terms of Use

The following terms of use (the "Terms of Use") govern your use of goldvisa.accountnow.com, and any content made available from or through goldvisa.accountnow.com, including any subdomains thereof (collectively, the "Site"). For purposes of this Agreement, "you" means the person using the Site or, if you are using the Site on behalf of your company, then "you" means your company, its officers, members, agents, successors and assigns. The Site is made available by Green Dot Corporation and its subsidiaries and affiliates (hereinafter, "we", "us" or "our"). These Terms of Use are in addition to, and do not override, the specific terms and conditions that apply to the products or services offered by us and otherwise through this Site.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE SITE. YOUR USE OF THE SITE CONFIRMS YOUR UNCONDITIONAL ACCEPTANCE OF THESE TERMS OF USE. IF YOU DO NOT ACCEPT THESE TERMS OF USE, DO NOT USE THE SITE. IF YOU ORDER ANY PRODUCT PROVIDED ON THE SITE, THEN ACCEPTANCE BY US IS EXPRESSLY CONDITIONED UPON YOUR ASSENT TO THESE TERMS OF USE.

1. Services Available on the Site. Users who simply browse the Site ("Guests"), may be able to browse the Site. Users of the Site, who register an account with us ("Customers"), may be able to request information, submit comments, pay bills, load money onto pre-paid cards, upload documents and files or engage in other transactions and services on the Site. Guests and Customers are collectively referred to herein as "Users".

We reserve the right, for any reason, in our sole discretion, to terminate, change, upgrade, suspend or discontinue any aspect of the Site, including, but not limited to, content, features, hours of availability or equipment required for access. We may also impose limits on certain features of the Site or restrict your access to part or all of the Site without notice or penalty.

2. Customer Accounts. Customers, who create an account on the Site, will receive login information, including a password that can be used to gain access to the Customer's account. When creating an account on the Site, you agree to provide accurate and complete information. Customers are solely responsible for the activity that occurs on their accounts and, therefore, must keep their login information secure. Customers must notify us immediately of any breach of security or unauthorized use of their accounts.

3. Proprietary Rights and Permitted Use of the Site. The Site, all the content (including, for example, audio, photographs, illustrations, graphics, video and software), code, data and materials thereon, the look and feel, design and organization of the Site, and the compilation of all of the foregoing on the Site (collectively, the "Content"), are protected by U.S. and international copyright trademark and other laws. We and our licensors own, solely and exclusively, all rights, title and interest in and to the Site, the Content, including but not limited to all intellectual property and proprietary rights therein. Your use of the Site and/or the Content does not grant to you ownership of any Content you may access on the Site.

The trademarks, logos, service marks and trade names (collectively the "Trademarks") displayed on the Site or in connection with Content made available through the Site are registered and unregistered Trademarks of ours and our licensors and may not be used in connection with products and/or services that are not related to, associated with, or sponsored by the Trademarks' right holders that are likely to cause customer confusion, or in any manner that disparages or discredits the Trademarks' right holders. All Trademarks not owned by us that appear on the Site or on or through the Site's services, if any, are the property of their respective owners. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of us or the third party that may own the applicable Trademark. Your misuse of the Trademarks displayed on the Site or on or through any of the Site's services is strictly prohibited.

We grant you a limited, revocable, nonexclusive, non-transferable, personal license to access, display and copy the Content for personal, non-commercial use only, subject to and conditioned on your continued compliance with these Terms of Use. This license is granted solely to allow you to visit and display the Site and to use the services provided through the Site as permitted by applicable law and these Terms of Use. You agree not to remove, alter or obscure any proprietary notices provided in or with the Content or the Trademarks. All rights not expressly granted in these Terms of Use are reserved.

4. Prohibited Use. Except as expressly authorized by us on the Site or otherwise in writing, you may not (a) download, print, transmit, distribute, publish, broadcast, store or otherwise use any Content, in whole or in part, (b) exploit the Site in a promotional or commercial manner, (c) upload or transmit viruses, worms or other malicious code, (d) violate or infringe any law or regulation, including but not limited to laws regarding criminal activity, intellectual property and privacy, (e) interfere with, circumvent, disable or attempt to interfere with, circumvent or disable the Site, the proper working of the Site, security features of the Site, or the equipment connected to the Site, (f) impose an unreasonable or disproportionately large load on the infrastructure of the Site or our systems or networks, (g) create a database by downloading and storing the Content or any part thereof, (h) modify, remove, delete, augment, add to, publish, transmit, participate in the transfer, rental or sale of, create derivative works from, or in any way exploit any of the Content, in whole or in part, (i) access or attempt to access the Site or collect or index information provided to us using any automated means, such as robots, spiders, scrapers, scripts, harvesting 'bots, or the similar means or equivalent manual processes, (j) reverse engineer, decompile or otherwise extract source code provided on or through the Site, and (k) solicit, trace or otherwise collect any information from Users. If you make any use of the Site or the Content other than as authorized hereby, you may violate copyright, patent, trademark and/or other laws of the United States and other countries, as well as applicable state laws, and may be subject to liability for such unauthorized use.

5. User Information and Other Submissions. In the course of your use of the Site, including Customers' purchase of products and/or services on or through the Site, you may be asked to provide certain information to us. Our information collection and use policies with respect to the privacy of such information are set forth in our Privacy Policy which is incorporated herein by reference for all purposes; however, if you obtain a product or service from a bank not affiliated with us the Privacy Policy of the bank will apply to information of yours collected for such product or service . You acknowledge and agree that you are solely responsible for the accuracy and content of all information you submit to us.

In the event that you submit or post any ideas, creative suggestions, photographs, information, advertisements, data or proposals, including ideas for new or improved products, services, features, technologies or promotions, you expressly agree that such submissions will automatically be treated as non-confidential and non-proprietary and will become the sole property of ours without any compensation or credit to you whatsoever. We and our affiliates shall have no obligations with respect to such submissions or posts and may use the ideas contained in such submissions or posts for any purpose in any medium in perpetuity, including, but not limited to, developing, manufacturing and marketing products and services using such ideas.

6. Forums. The Site may provide certain areas for Customers to communicate with other Customers, including through blogs, chat rooms, online communities and the like (the "Forums"). We do not endorse any content, material or information in the Forums and specifically disclaim any responsibility or liability to any person or entity for any loss, damage, injury, claim, liability or other cause of any kind or character based upon or resulting from any material, content, information or other communication provided through a Forum. We reserve the right, but are not obligated to review messages in the Forums and are not responsible for the content of any Forum messages. We also reserve the right, but are not obligated to, delete, edit or remove a message, in whole or in part, posted to a Forum for any reason and to exclude any individual from using a Forum. Please be aware that when you post to a Forum, you may be disclosing certain information to others. To protect your safety, please use your best judgment when using the Forums and carefully consider the information that you disclose in the Forums. We reserve the right to cooperate with any law enforcement, court or government investigation or order requesting or directing us to disclose information posted to a Forum, or if we decide that such disclosure is in our or our customers' or users' best interests.

7. User Conduct. You warrant and agree that, while using the Site, you shall not upload, post or transmit to or distribute or otherwise publish through the Site any materials that: (a) are protected by copyright, or other proprietary or intellectual property right, without first obtaining permission from the proprietary or intellectual property rights holder; (b) are unlawful, threatening, harassing, profane, tortious, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, contain explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), invasive of another's privacy or hateful; (c) restrict or inhibit any other user from using and enjoying the Site; (d) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability; or (e) contain a virus or other harmful component, or false or misleading indications of origin or statements of fact. You also warrant and agree that you shall not: (a) impersonate any person or entity or misrepresent your affiliation with any other person or entity or authorization to use the Site; (b) upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Site for commercial purposes, other than for your organization's internal use, except as expressly authorized by us on the Site or otherwise in writing; or (c) attempt to gain unauthorized access to other computer systems through the Site.

In addition to any remedies that we may have at law or in equity, if we reasonably determine that you have violated or are likely to violate these Terms of Use, we may take any action we reasonably deem necessary to cure or prevent the violation, including, without limitation, the immediate removal of materials that violate the foregoing prohibitions from the Site. We will fully cooperate with any law enforcement authorities or court order or subpoena requesting or directing us to disclose the identity of anyone posting such materials.

8. Promotions. We may, from time to time, include contests, promotions, sweepstakes or other activities ("Promotions") that require you to submit material or information concerning yourself. Please note that all Promotions may be governed by separate rules that may contain certain eligibility requirements, such as restrictions as to age or geographic location. You are responsible to read all Promotions rules to determine whether or not you are eligible to participate. If you enter any Promotion, you agree to abide by and to comply with all Promotions rules.

9. Third Party Content. The Site may contain information and content provided by third parties not related to us. Such third party information and content do not constitute or imply an endorsement, sponsorship, or recommendation by us of the third party or such information or content. You acknowledge and agree that we are not responsible for the availability of any such information or content and that we do not endorse or warrant, and are not responsible for, any such information or the content.

10. Linking to the Site. Except as expressly authorized by us on the Site or otherwise in writing, you shall not include a link from any other website to the Site. In the event that we expressly authorize you to include a link from any other website to the Site, you agree that, unless otherwise authorized by us in writing, such link shall (a) open in a new browser window and shall link to the full version of an HTML formatted page of this Site, (b) not link directly to any image hosted on the Site, such as using an "in-line" linking method to cause the image hosted by us to be displayed on another website, and (c) not link from any other website to this Site in any manner such that the Site, or any page of the Site, is "framed," surrounded or obfuscated by any third party content, materials or branding. We reserve all of our rights under the law to insist that any link to the Site be discontinued, and to revoke your right to link to the Site from any other website at any time upon written notice to you.

11. Indemnification. You agree to defend, indemnify and hold us and our licensors and affiliates, and their directors, officers, employees, agents and affiliates harmless from any and all claims, liabilities, costs and expenses, including attorneys' fees, arising in any way from your use of the Site, your placement or transmission of any message, content, information, software or other materials through the Site, your use of any product or service purchased on or through the Site (except as otherwise provided in the Cardholder Agreement or terms of use applicable to the particular product or service purchased), your transaction, interaction or relationship with other Users, or your breach or violation of third party rights, the law or these Terms of Use. We and, as applicable, our licensors reserve the right, at our or their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with us and, as applicable, our licensors' defense of such claim.

12. Third Party Web Sites. You may be able to link from the Site to third party websites and third party websites may link to the Site ("Linked Sites"). You acknowledge and agree that we have no responsibility for the information, content, products, services, advertising, code or other materials which may or may not be provided by or through Linked Sites, even if they are owned or run by affiliates of ours. Links to Linked Sites do not constitute an endorsement or sponsorship by us of such websites or the information, content, products, services, advertising, code or other materials presented on or through such websites. The inclusion of any link to such websites on the Site does not imply our endorsement, sponsorship, or recommendation of that website. We disclaim any liability for links (1) from another website to this Site and (2) to another website from this Site. We cannot guarantee the standards of any website to which links are provided on this Site and we shall not be held responsible for the contents of such websites, or any subsequent links. We do not represent or warrant that the contents of any third party website are accurate, compliant with state or federal law, or compliant with copyright or other intellectual property laws. Also, we are not responsible for any transmission received from any Linked Sites. Any reliance on the contents of a third party website is done at your own risk and you assume all responsibilities and consequences resulting from such reliance.

13. Copyright and Trademark Infringement. If you believe that a person using the site has infringed your trademark or copyright or other intellectual property rights, you may attempt to resolve the dispute directly with the user. If you believe, in good faith, that any materials on the site infringe your copyright or trademarks, please provide the following information to us:

• an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright, trademark or other intellectual property;
• a description of the copyrighted work, trademark or other intellectual property that you claim has been infringed;
• a description of where the material that you claim is infringing is located on the site;, with enough detail to allow us to locate it;
• your address, telephone number, and email address;
• a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and
• a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or intellectual property owner or duly authorized to act on the copyright or intellectual property owner's behalf.

For this notification to be effective, you must provide it to our designated agent at: Green Dot Direct, 2603 Camino Ramon, Suite 485, San Ramon, CA 94583, Attn: Legal Department.

14. DISCLAIMER OF WARRANTIES.
YOU AGREE TO ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE CONTENT. NEITHER WE NOR OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, INFORMATION PROVIDERS, LICENSORS OR LICENSEES (THE "GREEN DOT PARTIES") MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR WARRANTIES WHATSOEVER WITH RESPECT TO THE SITE OR THE CONTENT. NEITHER WE NOR THE GREEN DOT PARTIES ENDORSE OR MAKE ANY REPRESENTATION OR WARRANTY WITH RESPECT TO THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF THE SITE OR ANY CONTENT ON THE SITE OR THAT THE SITE OR ANY CONTENT ON THE SITE ARE NON-DEFAMATORY, NON-INFRINGING OF COPYRIGHT OR OTHER RIGHTS, OR OTHERWISE LAWFUL. NEITHER WE NOR THE GREEN DOT PARTIES SHALL BE LIABLE FOR ANY LOSS OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY USE OR INABILITY TO USE THE SITE OR THE CONTENT. NEITHER WE NOR THE GREEN DOT PARTIES WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE SITE WILL BE CORRECTED. NEITHER WE NOR THE GREEN DOT PARTIES GUARANTEE OR WARRANT THAT THE SITE WILL BE AVAILABLE ON A TIMELY BASIS, THAT THE FILES AVAILABLE FOR DOWNLOADING WILL BE FREE FROM INFECTION BY SOFTWARE VIRUSES OR OTHER HARMFUL COMPUTER CODE, FILES OR PROGRAMS, THAT THE CONTENT WILL BE ACCURATE OR COMPLETE, OR THAT ANY ERRORS IN THE CONTENT WILL BE CORRECTED. THE SITE AND THE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

Some jurisdictions limit or do not allow the disclaimer of implied or other warranties so the above disclaimers may not apply to you in those jurisdictions.

15. LIMITATION OF LIABILITY.
IN NO EVENT WILL WE OR OUR AFFILIATES, OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AFFILIATES, AGENTS, SUCCESSORS OR ASSIGNS, NOR ANY PARTY INVOLVED IN THE CREATION, PRODUCTION OR TRANSMISSION OF THE SITE BE LIABLE TO ANY PARTY FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THE PRODUCTS ON THE SITE, THE SITE, ANY WEBSITES LINKED TO THE SITE, OR THE CONTENT OR SERVICES CONTAINED AT ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN THE EVENT OF ANY PROBLEM WITH THE SITE OR ANY CONTENT, YOU AGREE THAT YOUR SOLE REMEDY IS TO CEASE USING THE SITE. IN NO EVENT SHALL WE OR OUR AFFILIATES, OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AFFILIATES, AGENTS, SUCCESSORS OR ASSIGNS, NOR ANY PARTY INVOLVED IN THE CREATION, PRODUCTION OR TRANSMISSION OF THE SITE BE LIABLE FOR ANY DIRECT DAMAGES IN EXCESS OF THE AMOUNT PAID BY YOU TO US WITHIN THE SIX MONTHS PRIOR TO THE DATE ON WHICH THE CLAIM AROSE.
Some jurisdictions do not allow the limitation of liability for consequential or incidental damages so the above limitation of liability may not apply to you in those jurisdictions.

16. Applicable Laws. We control and operate this Site from our offices in the United States of America. We do not represent that Content on the Site is applicable, appropriate or available for use in locations outside the United States. Persons who choose to access this Site from locations outside of the United States do so on their own initiative, and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

17. Changes to Terms of Use. We reserve the right, in our sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time. All changes to these Terms of Use will be effective when posted. By using the Site following any changes to these Terms of Use, you agree to be bound by any such changes.

18. Our Policy Toward Children. The Site is not intended for use by children under the age of 14. If you are under 14 years of age, you may use the Sites or the Services only with the involvement and permission of your parent or guardian.

19. Governing Law; Exclusive Jurisdiction; Miscellaneous. These Terms of Use and the relationship between you and us shall be governed by the laws of the State of California, without regard to its conflict of law provisions. You agree that any lawsuit or arbitration proceeding based on a cause of action that may arise under these Terms of Use or in connection with your use of the Site shall be commenced and be heard in the state or federal courts or arbitration forum within the boundaries of the federal Northern District of California. You hereby consent to the exclusive personal jurisdiction of and venue in such courts. Our failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms of Use remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action by you arising out of or relating to these Terms of Use or use of the Site must be filed by you within one (1) year after such claim or cause of action arose or be forever barred. You may not assign this Agreement or any part of this Agreement without our express written consent. You agree that we may assign this Agreement or any part of this Agreement at any time and for any reason without your consent.

Last Updated: October 20, 2015



Visa Logo- AccountNow Prepaid Visa Card
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Member of the Better Business Bureau (BBB) since 2006

*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Approval is subject to identity verification, as well as other fraud prevention measures.

§ This offer is available to all AccountNow Gold Visa Prepaid Card customers. To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 in qualifying deposits per month via recurring direct deposit in two or more consecutive months. Bonus must be redeemed by phone at 877-553-3767 within 30 days of meeting qualifications. Credit will be applied within 15 days of redemption. Eligibility and redemption requirements.

†There is no additional charge for this feature. Fees apply to the prepaid card. See your Cardholder Agreement for fees, terms and conditions.

This is not a credit card.

© 2015 Green Dot Corporation. The AccountNow Gold Visa Prepaid Card is provided by Green Dot Corporation, a member service provider for Green Dot Bank, and issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Green Dot is a registered trademark of Green Dot Corporation. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage.