Last Modified: Oct 20, 2022

Please read these Terms of Use (as well as the Privacy Policy of Lucky Technology Corporation (“Blade”, “we”, “us” or “our”) which are accessible at www.useblade.com/legal, collectively the “Terms of Use”) fully and scrupulously before using www.useblade.com (the “Site”), the Blade Card mobile application or any other applications (collectively, the “App”) offered by Lucky Technology Corporation and any services or programs offered through the Site or the App (the “Services”). These Terms of Use provide the legally binding terms and conditions for your use of the Services. You acknowledge that the use of any card or service offered through Lucky Technology Corporation (each, a “Blade Card”) is governed solely by the Cardholder Agreement that is provided to you.

Acceptance of Terms of Use

a. By using the Services in any manner, including but not limited to visiting or browsing the Services or submitting any information through the Services, you agree to these Terms of Use and all other operating rules, policies and procedures that may be published on the Services by us, each of which is incorporated by reference and each of which may be updated without notice to you. ****ARBITRATION NOTICE AND CLASS ACTION WAIVER: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

Eligibility

By using the Services, you represent and warrant that you are at least 18 years of age and that you are a legal resident of the United States. If you are under age 18, or not a legal resident of the United States, you are unable to, under any circumstances or for any reason, use the Services we may, in our sole discretion, refuse to offer services offered on or through the Site to any person or entity and may change the eligibility criteria of the Services at any time. You are solely responsible for ensuring that these Terms of Use and use of the Services are in compliance with all laws, rules and regulations applicable to you and that the right to access the Services is revoked where these Terms of Use or use of the Services is prohibited or conflicts with any applicable law, rule or regulation. Further, the Services are offered are only for your use, and not for the use or benefit of any third party. You agree not to attempt to log on to the Services from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to the Services from one of these countries may result in your ability to access the Services to be restricted and/or terminated.

Changes

We reserve the right, at our sole discretion, to modify or replace any of these Terms of Use at any time. Upon any change in these Terms of Use we will post the amended agreement on the Services; we may also strive to notify you in some other way. We will indicate at the bottom of this page the date these Terms of Use were last revised. Your continued use of the Services following the posting of any changes to the Terms of Use is an acceptance of those changes.

Registration

To sign up for a Blade Card or take advantage of many of the services we offer, you must register for an account on the Services (an “Account”). You must provide accurate and complete information and keep your Account information updated. By registering, you represent and warrant that you are providing accurate and complete information and that you will update your Account information. Any activity that occurs on your account, including keeping your Account password secure you are responsible for. You may be held liable for losses or damages incurred by us or any other user of or visitor to the Services due to someone else using your user name, ID, password, or other information which provides access to the Services. You are not allowed to use another person’s user account or registration information for the Services without permission. You must notify us immediately of any change in your eligibility to use the Services (including any changes to or revocation of any licenses from state authorities), breach of security or unauthorized use of your Account. You should never publish, distribute or post login information for your Account.

Rewards

For the Rewards & Benefits Terms, click here

Blade Card Cardholder Agreement and Additional Terms and Conditions

Your use of the Blade Card is governed by the Cardholder Agreement, which includes the Patriot Bank Privacy Policy, and the Apto Payments Privacy Policy. Blade is a “Program Partner” of Apto Payments for the purposes of the Cardholder Agreement. The card funding methods available with your Blade card (the “Funding Sources”) are Transfer, rePower, check load, and funding from Linked Account. Blade may add or remove Funding Sources to or from your Blade Card in its sole discretion at any time

Bank Account Information and Authorized Actions

For registered users, access credentials (for example, username and password) may be included in your Account information that allow you to gain online access to one or more accounts that you maintain with a third-party financial institution and that you choose to designate for use in connection with the Services (each, an “Authorized Bank Account”). We work with one or more Third Party Services (as defined below) that will securely store pursuant to industry standards any Authorized Bank Account access credentials that you provide on the Services and will access your Authorized Bank Accounts for the purposes of providing and improving the services we offer on the Services. We work with one or more Third Party Services (as defined below) that will securely store pursuant to industry standards any Authorized Bank Account access credentials that you provide on the Services and will access your Authorized Bank Accounts for the purposes of providing and improving the services we offer on the Services. You may only authorize us to access valid accounts and provide account access credentials for accounts that you hold in your own name. You may not provide access credentials for an account that is held by a third person. You must update your Account information to reflect any change to the username or password that is associated with any Authorized Bank Account.

If you choose to link your Authorized Bank Account, you authorize the use of this information to provide you with Blade Card Services. This authorization will remain in effect until you notify us that you wish to revoke this authorization, which may affect your ability to receive the services. The Third Party Services provider that we currently work with includes Plaid Inc. (“Plaid”). By using our Services, you grant us, our partner bank, and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy (https://plaid.com/legal/#end-user-privacy-policy)

Proprietary Rights and License Grant

For purposes of these Terms of Use, the term “Content” includes, without limitation, information, data, text, photographs, videos, audio clips, written posts and comments, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible on or through the Services. All Content on this Services is the proprietary property of Lucky Technology Corporation with all rights reserved. You agree that all Content and materials delivered via the Services or otherwise made available by Lucky Technology Corporation at the Services are protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. Subject to these Terms of Use, we grant each user of the Services a worldwide, non-exclusive, non-sublicensable and non-transferable license to use (i.e., to download and display locally) Content solely for purposes of using the Services. Except as expressly authorized by Lucky Technology Corporation in writing, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from such materials or Content. However, you may print or download a reasonable number of copies of the materials or Content at this Services for your personal non-commercial use; provided that you retain all copyright and other proprietary notices contained therein. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Services. The Blade Card name and logo are trademarks of Lucky Technology Corporation. By submitting information or content to or through the Services, by email or over the phone, you hereby do and shall grant us a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sublicensable and transferable license to use such information as set forth in our Privacy Policy at www.useblade.com/legal. Without limiting the generality of the foregoing, you acknowledge that Lucky Technology Corporation may disclose and transfer any information that you provide through the Services to (i) its affiliates, agents or service providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law.