SIONIC MOBILE
Payer Terms of Service
Effective Date: January 2, 2026 | Last Updated: June 25, 2026
These terms of service (“Terms of Service”) are a legally binding agreement (“Agreement”) between you (“you”, “user”), and Sionic Mobile Corporation (“Sionic”, "Company") and our affiliates, partners, successors and its assignees (“we,” “us,” or “our”) for use of the services offered or provided by us, including Instant Bank Pay (“’IBP”), Bank Perks* Pass (“Wallet Pass”, “Pass”), your user profile (“Profile”) available in the consumer microsite (“Site”), and related services available to you (collectively, the “Services”). Void where prohibited. You agree that by registering for our Services you have read, understood, and agree to be bound by all of this Agreement. You confirm that you are eligible to register for our Services and are authorized and legally able to agree to these Terms of Service. This Agreement can change at any time without notice, and will be posted on our website and in your Site with the updated date of revision. Your continued use of our Services after we post a revised Agreement constitutes your continued agreement with the Terms of Service. If you do not agree with the revised Agreement, do not access or use the Services.
* PERKS ARE NOT ALWAYS AVAILABLE AND ARE NOT GUARANTEED. Refer to the "USER PERKS" section below for further information regarding Perks.
IMPORTANT NOTICE: OUR SERVICES USE REAL-TIME PAYMENTS TO COMPLETE YOUR TRANSACTIONS AND ARE IRREVOCABLE. THIS MEANS YOUR PAYMENT TO THE MERCHANT IS CONSIDERED FINAL. YOU SHOULD ONLY USE YOUR PASS WITH MERCHANTS YOU TRUST. YOU MAY REQUEST A RETURN OF YOUR FUNDS, BUT THERE IS NO GUARANTEE THAT THE MERCHANT WILL HONOR YOUR REQUEST.
PLEASE READ THIS AGREEMENT CAREFULLY, AS IT CONTAINS IMPORTANT INFORMATION AFFECTING YOUR LEGAL RIGHTS AND OBLIGATIONS. IF YOU DO NOT AGREE WITH THESE TERMS OF SERVICE, DO NOT ACCESS OR USE THE SERVICES.
Table of Contents
1. Consent to Electronic Communications and Signatures
4. Eligibility to Use Our Services
Authorization to Withdraw Funds From Your User Bank Account
Authorization for Specific Transactions
How to Revoke Your Authorization
6. Your Consent to Receive Calls and Messages
Consent to Receive Calls and Texts
No Transfer or Sharing of User Pass Profile
Adding or Removing a User Bank Account
Merchant Disputes and Requesting Returns
Your Liability for Unauthorized Transactions
11. Information About How We Use Artificial Intelligence (AI)
13. Intellectual Property Rights
Third-Party Websites and Content
Exceptions to Informal Negotiations and Arbitration
Federal law requires us to provide you certain disclosures in paper form regarding our Services. These disclosures can include agreements, notices, records, and other communications (collectively, “Required Information”). With your consent, we may instead provide you Required Information by displaying or delivering the Required Information to you electronically via the Site, email, text message, or web browser.
By accepting this Agreement, you consent to receive electronic disclosures for all Required Information in connection with our relationship and through the Services, and that these electronic disclosures satisfy any legal requirement that such communication be in writing, or signed in writing. By accepting this Agreement, you also waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
Copies of these Terms are available for download and printing by using current web browser software. You acknowledge that you can access, receive and retain all other electronic communications from us in the various formats we use, and your access to this page verifies that your system and device meet the above receipt, access, and retention requirements. If you would like paper copies of any electronic communications or documents from Sionic, you may contact us at support@sionic.io. We may charge you a fee for such paper copies. You can also contact us by referring to the "CONTACT US" section at the bottom of this document.
Although this consent allows us to provide Required Information to you electronically, we may decide to provide Required Information to you via paper. We may also require that certain communications from you be delivered to us on paper at a specified address.
If you do not consent to receiving Electronic Communications, do not accept this Agreement. You also may withdraw your consent by contacting us at support@sionic.io. However, if you do not consent or withdraw your consent to receiving Electronic Communications, we reserve the right to deny or restrict your access to our Services, including terminating your Profile.
You agree that by registering for our Services you have read, understood, and agree to be bound by these Terms of Service; you are eligible to register for our Services; and, you are authorized and legally able to agree to these Terms of Service. PERSONS UNDER THE AGE OF 18 ARE NOT PERMITTED TO USE OR REGISTER FOR THE SERVICES. IF YOU ARE UNDER 18 AND ESTABLISH A PROFILE, WE ARE NOT LIABLE FOR ANY OUTCOME FROM USING OUR SERVICES. This Agreement applies whether or not you use your Profile. It will continue to apply even after you cancel your Services, as long as you have any outstanding payments.
Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to this Agreement from time to time. We will alert you about any changes by updating the “Last updated” date of this Agreement, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review this Agreement to stay informed of updates. You will be subject to and will be deemed to have been made aware of and to have accepted, the changes in any revised Agreement by your continued use of the Services after the date that such revised Agreement is posted. IF AT ANY TIME YOU DETERMINE THAT YOU NO LONGER AGREE WITH THE TERMS OF THIS AGREEMENT, YOU MUST DISCONTINUE USE OF THE SERVICES AND MAY CONTACT US AT support@sionic.io TO REMOVE YOUR ACCESS TO OUR SERVICES.
We recommend that you print a copy of this Agreement for your records.
After completing your registration and our acceptance of your registration, we will create a Pass in your Apple or Google mobile wallet (“Wallet”) and establish a Profile accessible through the Site. Neither Apple Inc. nor Google Inc. are responsible for our Services. Your Pass and Profile are not a bank account. Sionic is not a bank or a money service business (“MSB”, as defined by the US Department of Treasury) and does not provide banking or MSB services.
To be eligible to use our Services, you must (1) be a U.S. citizen over the age of 18 years old; (2) register by providing us your name, last four digits of your social security number, date of birth, and a valid U.S. mailing address, email address, and mobile phone number; (3) have a transaction account held at a federally insured U.S. depository institution participating in The RTP Network and/or FedNow service (“Bank”) which permits you to make electronic funds transfers to and from that account (collectively, a “User Bank Account”); and, (4) Provide us your User Bank Account information through your bank or our third party provider so that we can link it to your Profile for future payments. To use our Services at the point of sale, you must also have a mobile device with a version of iOS or Android OS that supports the use of Apple or Google Wallet and internet or mobile access. You will also need to comply with your chosen wallets’ requirements.
If you do not meet these criteria, you should not register for our Services as you will be unable to use the Services. The criteria for eligibility may change at any time, and we reserve the right to verify your registration information and eligibility at any time. Determination of your eligibility, and our right to deny your access to our Services, are at our sole discretion. We have the right to suspend or terminate your Profile and refuse any and all current or future use of the Services (or any portion thereof) for any reason, including: (a) If you provide, or we have reason to believe that, any information that is untrue, inaccurate, not current, or incomplete; and (b) if we have reason to believe that you are using the Services in any manner that is listed under the “PROHIBITED ACTIVITIES” section stipulated in this Agreement, or that exposes us or our partners to reputational harm or liability.
By adding a User Bank Account to your Profile and using our Services, you authorize Sionic to withdraw funds from, or send funds to, a User Bank Account in your Profile through any payment method necessary to: a) collect any amounts you owe to merchants, Sionic, or its partners, b) resolve any disputes, claims, or errors, and c) if necessary, electronically credit your User Bank Account to correct erroneous debits. You will be able to set a default User Bank Account. By setting a default User Bank Account (“Default Account”), you are authorizing Sionic to: (a) send refunds to the Default Account if your original payment method can't receive a refund; and; (b) withdraw funds from the Default Account if no other payment method is selected or available.
Your Profile is provided by Sionic. It is not issued by the financial institution (your Bank) that maintains the deposit account you have linked to your Profile. The terms, benefits, and protections associated with your Profile may vary from those that apply to a debit card issued by your Bank. For example, if you make a purchase with your Pass that exceeds the balance in your User Bank Account, your User Bank Account may become overdrawn even if you chose not to have overdrafts using your Bank issued debit card, and you may incur overdraft fees. Similarly, the liability limits applicable to your Pass may be different from those applicable to a debit card issued by your Bank.
In order to collect any amounts that you owe, you authorize us to use real-time payment networks (“RTNs”) including the RTP® Network (“RTP”) operated by The Clearing House, LLC (“TCH”) and The FedNow Service® (“FedNow”, "FNS") facilitated by the Federal Reserve Board and Banks ("FRB"), or third party gateway solutions (e.g., Fiserv NOW gateway). RTNs withdraw funds instantly (in seconds) from your User Bank Account. IF YOU HAVE ADEQUATE FUNDS IN YOUR DESIGNATED USER BANK ACCOUNT, THE FULL TRANSACTION AMOUNT WILL BE IMMEDIATELY WITHDRAWN FROM YOUR USER BANK ACCOUNT AT THE TIME THAT THE MERCHANT SCANS YOUR PASS *. If you do not have funds in your designated User Bank Account when we use RTNs, the transaction will be rejected.
* You or the merchant may set transaction thresholds which require your additional authorization to proceed with payment after the merchant scans your Pass. If the transaction amount exceeds the set threshold, you will receive a text message, and must affirmatively reply to the text message, for the funds to be withdrawn from your account.
You authorize Sionic to charge your selected User Bank Account, or Default Account (if one is chosen), for each of your purchases of a good(s) or service(s) from a participating merchant. We will process your transaction at the time of your purchase after receiving your affirmative consent containing the name of the merchant and amount that will be charged to your User Bank Account. If the transaction amount changes after you checkout, you authorize Sionic to electronically debit or credit your selected User Bank Account to the adjusted amount (e.g., correct errors, account for additions or removals to your products/services). If the initial transaction is rejected by your Bank for any reason, you authorize us to resend that transaction up to two (2) times.
You understand that this standing authorization will remain in full force and effect until you revoke your authorization. If you no longer wish to authorize withdrawals from your User Bank Account, you can remove the Bank Account from your Profile within the Settings in your Site. For assistance, you can contact us at support@sionic.io.
By consenting to this Agreement and using our Services, you grant Sionic express written consent to contact you via text message, phone call, or push notifications to any mobile number you provide us, regardless of whether our communication is made through an auto dialer or prerecorded message, and regardless of whether you are listed on any federal or state Do Not Call registry.
We use text messages to obtain your approval of a transaction, and to send you confirmation that the transaction was processed. You grant Sionic express consent to text message, call, or send push notifications at any time to any mobile number you have provided us for us to facilitate these Services. Message and data rates may apply. If you do not wish to receive these Servicing text messages, please do not use our Services.
You have the choice to opt-in to receive marketing communications about our Services, and nearby merchants who offer IBP services, by text. By checking the “Opt-In to Marketing Texts” box below, you are providing consent to text marketing communications. You can opt out of marketing communications by going to your Profile Settings in the Site, or by replying “Stop”, “Quit”, “Revoke” or similar to the text. Your opt-out does not prevent us from contacting you to facilitate your transactions, as described immediately above.
If you provide us with your email address, you agree that we or any third party acting on our behalf, may email you regarding our Services regardless of whether you are listed on any federal or state Do Not Email registry. We take your privacy seriously and have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of your personal information as described in our Privacy Policy.
You acknowledge that we may send you emails that contain promotions or marketing, for which you have the right to opt-out of receiving by following the opt-out instructions contained within the emails. Your opt-out does not prevent us from contacting you regarding your transactions or other administrative matters about your Profile.
You will be required to register to use the Services. By registering for the Services, you represent and warrant to Sionic that: (1) all registration information you submit is and will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) the mobile phone number and email that you provide are valid, functional, and owned by you; (4) you are legally able to use the User Bank Account you provide to us and it is in an active status; (5) you have the legal capacity to agree, and you provide your affirmative consent to comply with this Agreement; (6) you are not under the age of 18; (7) you are not a minor in the jurisdiction in which you reside; (8) you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise; (9) you will not use the Services for any illegal or unauthorized purpose; and (10) your use of the Services will not violate any applicable law or regulation.
As a participant in financial services, we are obligated to help the government fight the funding of terrorism and money laundering activities by obtaining, verifying, and recording information that identifies each person who obtains a Profile for their personal use. What this means for you: When you register for a Profile, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Before purchases may occur, we perform procedures to verify your identity and the User Bank Account that you intend to link to your Profile. Information you provide to us will be processed in accordance with our Privacy Policy. You also agree that we may use the registration information to access personal information about you from third parties for purposes of authenticating your registration information and preventing fraud in accordance with our Privacy Policy.
By registering for a Profile, you agree to provide and maintain accurate information regarding your identity (e.g., name, mobile phone number, email address, address) and your User Bank Account. You may make changes to your Profile information within the Site. For assistance, you can contact us at support@sionic.io.
You can access IBP services at participating merchants 1) at the physical point of sale using your Pass stored within your Wallet; 2) at checkout through a participating merchant’s website, or 3) at checkout through a participating merchant’s mobile application.
Your Pass enables you to pay a participating merchant at the point of sale using your mobile phone. The Pass stores an encrypted token representing your User Bank Account in the form of a QR code, which is additionally protected in your Wallet via their respective security and credential management. Each User Bank Account that you add to your Wallet will be represented as a unique QR code within the “Bank Perks” section of your Wallet (a “Pass”). You may have multiple Passes for each User Bank Account you choose to link to your Profile. To use IBP at the point of sale, you can present the QR code for your chosen User Bank Account as a form of payment to make a purchase. Participating merchants will scan your QR Code at the time of purchase. You may receive a text message requesting your approval of the transaction, and if approved and completed, another text message confirming your transaction was completed.
You may also be able to access our Services online if you sign up with a merchant that allows you to use IBP at the point of checkout within their mobile application or on their website. For those merchants, you will be presented with the option to “Pay by Bank” under your payment method options. If you have only one User Bank Account, that account will be used as your payment method for the transaction. If you have multiple User Bank Accounts in your Profile, and have chosen a Default Account, that account will be pre-selected as your payment method unless you select a different User Bank Account at checkout. Once you select the “Pay by Bank” option, we will verify your identity, and if the transaction is approved and completed, a text message will be sent confirming your transaction was completed.
Refer to the “TRANSACTION AUTHORIZATION” section for further detail regarding your authorization of a payment.
You may use your Pass to pay for purchases only at participating merchants who accept IBP. Participating merchants *are not required to* offer you discounts, awards, or other incentives to use your Pass (collectively, “Perks”). Refer to the “USER PERKS” section for further information regarding Perks.
A credit or non-transaction bank account is not permitted for use with IBP.
You agree that you will not provide a third party access to your Profile or Pass and will not authorize a third party to use your Profile on your behalf (except as allowed by law). You agree to maintain the security of your Profile, which includes securing your phone, Wallet account(s), and login credentials. Any person found to have violated this section may be reported to the relevant authorities and we have the right to terminate or suspend your Profile immediately without notice, along with any and all future use of our Services.
You may establish one or more user Profiles, but may not establish more than one Profile with the same U.S. mobile number and email address. During the registration process and through the Site, you may link one or more of your User Bank Accounts to your Profile.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors.
We may prohibit suspicious transactions and/or place limits on the frequency and/or dollar amount of your IBP transactions until we can perform a more thorough review of your Profile. These limits are placed at our discretion for security reasons, to comply with legal or Bank partner requirements, to prevent fraud, or any other legally compelling justification. This may include limiting the frequency and/or dollar amount of an individual transaction, or transactions over a rolling basis (e.g., day, week, month, etc.). Please contact us should you have questions regarding an unsuccessful transaction.
Merchants may place a threshold on the dollar amount of transactions that require your approval prior to completing a purchase using IBP. To help protect your Profile, you may also place a threshold on the dollar amount of transactions that require your approval prior to completing a purchase using IBP. Should you attempt a transaction that exceeds the lowest threshold placed by you or a merchant, you will be requested to approve the transaction via a text message at the point of sale. You can update your transaction approval limits within your Profile.
You can access your Profile at any time by clicking on the link to the Site within your Pass. There you will be able to go to the Settings to update or edit your contact information, add or remove User Bank Account(s), set a threshold for text approval, choose your marketing and contact preferences, and cancel your services.
You can add or remove a User Bank Account to your Profile by going to your Site and clicking on the My Wallet tab of your Profile. Please note that when you remove a User Bank Account:
- Any pending transactions will continue to be processed by your Bank.
- We can no longer facilitate dispute communications with the merchant for purchases made using that User Bank Account.
- We can no longer process refunds for purchases made using that User Bank Account.
- Any open or pending merchant disputes associated with that User Bank Account will be closed and we will not process a refund.
Before adding a User Bank Account, you should carefully review these Terms and your rights and remedies under the Electronic Fund Transfer Act (EFTA). Please also carefully review “YOUR TRANSACTION AUTHORIZATION” for additional terms regarding our right to charge your User Bank Account and your right to revoke our authority by removing the User Bank Account from your Profile. We will need to confirm that your payment method is valid and belongs to you prior to adding or updating any payment method.
When you add or update a User Bank Account, you will need to follow the prompts to push it to your Wallet Pass. You will be able to set a Default Account. By setting a Default Account, you choose this account for future transactions unless you select a different User Bank Account at checkout. The Default User Bank Account will also be used to provide you a refund if your original payment method cannot receive a refund. You will not be able to use a User Bank Account at the point of sale unless it is pushed to your mobile wallet.
You can cancel your Services and terminate your relationship with us by going to your Site Profile, navigating to your Settings, and clicking on Delete My Profile. You will remain liable for any and all obligations related to your Services even after your Profile has been deactivated. Read our Privacy Policy for more information about our retention of your Profile information.
After canceling your Services, you must:
- Stop using your Pass;
- Remove your Pass from your mobile wallet;
- Pay all amounts you owe;
- Cancel any future scheduled or recurring transactions.
Please note that once you delete your Profile:
- You will no longer be able to use your Pass.
- You can no longer dispute transactions with a merchant using our Services.
- Any pending transactions will continue to be processed by your Bank.
- We can no longer process any refunds for any open or pending disputes.
- Any open or pending merchant disputes will be closed.
If you are not satisfied with our Services, please email us at support@sionic.io
We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever to you or any third party for any loss, damage, or inconvenience caused by your inability to access or use the Services. Nothing in this Agreement will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.
This Agreement shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR PROFILE AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.
If we terminate or suspend your Profile for any reason, you are prohibited from registering and creating a new Profile under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your Profile, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
User Perks are available to you automatically when you use your Pass if a) the merchant accepts IBP, and b) the merchant is offering Perks. Void where prohibited. The ability to use your Pass, and the availability of Perks where a Pass is accepted, is not guaranteed.
Merchants have the option of setting a Perk (a dollar or percentage discount on your purchase). The amount of the Perk will be calculated and displayed to you prior to your completion of the purchase. Perks are automatically deducted from the amount you owe the merchant and earned at the time of purchase.
You acknowledge that the Perk amount is determined by the merchant and earned only through the purchase of a good or service using your Pass. Sionic is not responsible for the amount, or lack thereof, of any Perk. Sionic is not responsible for the merchant’s advertisement of a Perk. Sionic is not responsible for ensuring that the dollar amount of your Perk is consistent with an advertisement you received from a merchant. If you have any questions or concerns regarding your Perk amount, you should discuss it with the merchant at the point of sale prior to your purchase, or you can submit a dispute to the merchant through your Site Profile.
Unless and until you make a purchase where Perks are available in accordance with this Agreement, you have no right, title, or interest in earning Perks. We reserve the right to change or terminate the Perks Program at any time and in any manner without notice (including the right to adjust how Perk amounts are calculated, or what constitutes an eligible purchase).
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
As a user of the Services, you agree not to:
- Trick, defraud, or mislead us, our merchants, or other users, especially in any attempt to learn sensitive Profile information.
- Attempt fraud or attempt to impersonate another user or person.
- Use any information obtained from the Services to harass, abuse, or harm another person.
- Use the Services in relation to terrorist funding, money laundering, or trafficking.
- Use the Services in a manner inconsistent with any applicable laws or regulations or for any unlawful purpose.
- Make improper use of our support services or submit false reports of abuse or misconduct.
- Circumvent, disable, or otherwise interfere with security-related features of the Services.
- Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
- Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
- Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
- Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
- Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
- Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
- Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
- Delete the copyright or other proprietary rights notice from any Content.
- Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or using or launching any unauthorized script or other software.
- Use a buying agent or purchasing agent to make purchases using our Services.
- Engage in unauthorized framing of or linking to the Services.
- Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
- Make any unauthorized use of the Services, including collecting email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user Profiles by automated means or under false pretenses.
- Copy or adapt the Services’ software to create a Profile or Pass that is not authorized or provided by us.
- Transmit (or attempt to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
- Transmit (or attempt to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).
Your transaction history is available to you by accessing your Profile. The transactions will also appear on the periodic statement issued by your Bank. Although we take steps to protect your information and verify the merchants who make IBP available to you, we recommend that you:
- Review and concur with the Merchant’s return policies carefully prior to making a purchase,
- Review your transaction history on a regular basis,
- Consider receiving transaction alerts from the Bank who holds your User Bank Account,
- Set text approval thresholds that align with your risk appetite by going to your Profile Settings within the Site.
If you have questions, concerns, or problems with your goods or services, please contact the merchant. To dispute a purchase, you can contact the merchant directly, and through the process outlined under “How do I Dispute a IBP Payment?” on your Profile Home page within the Site.
If you have any questions or believe there is an error about one of your IBP transactions, contact your Bank as soon as you can. Your Bank must hear from you no later than 60 days after they sent the FIRST statement on which the problem or error appeared.
Subject to the terms of this Agreement, if we do not complete a transaction from your User Bank Account in the correct amount according to our agreement with you, we could be liable for your direct losses or damages. However, there are some exceptions where we will not be liable, for instance: (1) If, through no fault of ours, you do not have enough money in your User Bank Account to make the transaction; (2) If the merchant does not wish to transact with you or does not accept IBP; (3) If the discrepancy is due to a merchant’s error (4) If the electronic terminal where you were making the transaction was not working properly; (5) If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken; (6) Any other exceptions stated in this Agreement, for example discontinuance of Services, security purposes, or to comply with this Agreement, laws and regulations.
IF YOU SUSPECT UNAUTHORIZED TRANSACTIONS HAVE OCCURRED USING YOUR PROFILE, OR IF YOUR PHONE, MOBILE WALLET, OR ANY OTHER CREDENTIAL USED FOR IBP IS LOST, STOLEN, OR OTHERWISE COMPROMISED, NOTIFY YOUR BANK IMMEDIATELY. Please also contact us at support@sionic.io. Contacting both your Bank and us is the best way of keeping your possible losses down. `
It is important that you review your User Bank Account statement carefully. If your statement that you received from your Bank shows IBP transactions that you did not make, call your Bank immediately. Please be aware that you could lose all the money in your User Bank Account (plus your maximum overdraft line of credit) if you do not notify your Bank timely of an unauthorized transaction or compromised IBP account. Once both your Bank and us are aware of a compromise to your account, we can prevent further transactions from occurring.
Please review this section carefully prior to using our Services. We use AI in a variety of ways to ensure the security and compliance of our platform and improve your experience, including:
- Fraud detection and prevention. We use AI to detect and prevent fraudulent transactions in real-time, protecting your financial information. This may involve analyzing transaction patterns, identifying suspicious behavior, and verifying your identity. As a result, we may prohibit suspicious transactions, or place limitations on your transactions, until we can perform a more thorough review of your Profile.
- Dispute support. We sometimes use AI-powered chatbots to help our merchant partners resolve payment disputes. These chatbots may learn from your interactions to improve their responses in the future. You can choose to not interact with our AI-powered chatbots and contact the merchant directly through other channels.
We train our AI models using anonymized transaction data and other relevant information that we collect in accordance with our Privacy Policy. We do not use any personal information that identifies you directly for training our AI models.
You have the right to request information about how we use your data for AI purposes. For more information about our privacy practices and your rights to our use of AI, please review our Privacy Policy. You can also contact us at support@sionic.io or through the contact information included within these Terms.
We are committed to using AI responsibly and ethically. We regularly review and update our AI practices to ensure they are fair, transparent, and accountable. For more information regarding how you are notified about changes to these Terms, please review the “USER AGREEMENT” section.
We care about data privacy and security. Please review our Privacy Policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into this Agreement. Please be advised the Services are hosted in the United States of America (“USA”). If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the USA, then through your continued use of the Services, you are transferring your data to the USA, and you expressly consent to have your data transferred to and processed in the USA. Further, we do not knowingly accept, request, or solicit information from children or knowingly market to children. Therefore, in accordance with the U.S. Children’s Online Privacy Protection Act, if we receive actual knowledge that anyone under the age of 13 has provided personal information to us without the requisite and verifiable parental consent, we will delete that information from the Services as quickly as is reasonably practical.
We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the “Content”), as well as the trademarks, service marks, and logos contained therein (the “Marks”).
Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.
The Content and Marks are provided in or through the Services “AS IS” for your personal, non-commercial use only.
Please review these Terms and the “PROHIBITED ACTIVITIES” section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.
By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.
You are responsible for what you submit: By sending us Submissions through any part of the Services you:
- confirm that you have read and agree with our “PROHIBITED ACTIVITIES” and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading;
- to the extent permissible by applicable law, waive any and all moral rights to any such Submission;
- warrant that any such Submissions are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and
- warrant and represent that your Submissions do not constitute confidential information.
You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law.
Subject to your compliance with this Agreement, including the "PROHIBITED ACTIVITIES" section, we grant you a limited, non-exclusive, non-transferable, revocable, personal (non-commercial), royalty-free license, which you may not sub-license, to access and use our Services.
Except as set out in this section or elsewhere in our Agreement, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any purpose whatsoever, without our express prior written permission.
We reserve all rights not expressly granted to you.
Any breach of these Intellectual Property Rights will constitute a material breach of our Agreement and your right to use our Services will terminate immediately.
We reserve the right, but not the obligation, to: (1) monitor the Services for violations of this Agreement; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or this Agreement, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable your Profile or any portion thereof; and (4) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
We will maintain certain data that you transmit to the Services, as well as data relating to your use of the Services, for the purposes set forth in our Privacy Policy. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.
The Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware this Agreement no longer governs. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.
There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.
To expedite resolution and control the cost of any dispute, controversy, or claim related to this Agreement (each a "Dispute" and collectively, the “Disputes”) brought by either you or us (individually, a “Party” and collectively, the “Parties”), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least 30 days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.
If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved through binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the American Arbitration Association (AAA) website. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Fulton County, Georgia. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.
If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Fulton County, Georgia, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) is excluded from this Agreement.
In no event shall any Dispute brought by either Party related in any way to the Services be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES’ CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY PURCHASED THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of this Agreement; (3) any breach of your representations and warranties set forth in this Agreement; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.
This Agreement and your use of the Services are governed by and construed in accordance with the laws of the USA applicable to agreements made and to be entirely performed within the USA, without regard to its conflict of law principles.
Our Services are not intended for use by any person or entity in any jurisdiction or country outside of the United States, or where such use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).
This Agreement and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Any rights not expressly granted herein are reserved by Sionic. Our failure to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. This Agreement operates to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of this Agreement is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of this Agreement or use of the Services. You agree that this Agreement will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of this Agreement and the lack of signing by the parties hereto to execute this Agreement.
In order to receive further information or resolve a complaint regarding the Services, please contact us at or by writing to us at:
Sionic Mobile Corporation
1800 Peachtree St NE
Suite 809
Atlanta, GA 30309
California Users and Residents: If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.
