Honey the Hamster

The following electronic communication disclosure (“Disclosure”) applies to all communications or disclosures that we are required to provide to you in writing in connection with your Card Account and all related products and services (“Notices”), to the extent that you have consented to receive such communications electronically and the lack of consent results in the rejection of an application for a Revolut Card. unless otherwise stated below. If you initiate a transaction without presenting your card (for example. B for a mail order business, an Internet or telephone purchase, or an ACH debit purchase), the legal effect is the same as if you were using the card yourself. We and/or Revolut may share information about your Card or the transactions you make with your Card with third parties: (1) as necessary to complete transactions; (2) the existence and condition of your card for a third party, such as .B. to verify a dealer; (3) to comply with official, judicial or other legal reporting obligations; (4) if you give us your written consent; (5) as necessary, to our employees, auditors, affiliates, service providers or counsel to us and the Program Manager; and (6) as provided in our Privacy Policy below. If you believe that an error has occurred in your card account, contact error.notice@revolut.com Revolut as soon as possible via the Revolut mobile app or by email. If you need to freeze or cancel your card, you can call the number on the back of your card: (844) 744-3512. The Program Manager must hear from you no later than 60 days after the date the Program Manager sent the FIRST written history on which the error occurred. You must provide us with: (1) your name and card number; (2) why you believe there is an error, and the dollar amount in question, and (3) approximately when the error occurred. Revolut will determine if an error has occurred within 10 business days of hearing from you and will immediately correct any errors. However, if we need more time, Revolut may need up to 45 days to investigate your complaint or question. If Revolut decides to do so, it will provisionally credit your card within 10 business days with the amount you think is a mistake, allowing you to use the money for the time it takes to complete the investigation.

If Revolut asks you to submit your complaint or question in writing and you do not provide it within 10 business days, we will not be able to credit your card account. In case of errors related to new cards (i.e. Cards for which the first deposit or value fee was made within the last 30 days), point-of-sale transactions or transactions initiated abroad may take Up to 90 days for Revolut to investigate your complaint or question. For new card accounts, Revolut may need up to twenty (20) business days to credit your card with the amount you deem incorrect. Revolut will notify you of the results within three business days of the completion of the investigation. If Revolut decides that no errors have occurred, it will send you a written statement and charge your card account for the amount of the provisional balance. You can request copies of the documents he used in his investigation. If you need more information about our troubleshooting procedures, please contact Revolut. Important information for unverified accounts: It is important to register your card as soon as possible. Until you register your card and Revolut verifies your identity, Revolut has no obligation to investigate or correct errors in your card account.

To register your card, go to the Revolut mobile app to verify your identity. Revolut will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security number or a government-issued identification number) so that Revolut can verify your identity. You acknowledge that we are not affiliated with the Apple Pay Terms and Conditions between you and Apple and that we do not own and are not responsible for Apple Pay. We do not guarantee Apple Pay. We are not responsible for maintenance or other support services for Apple Pay and are not responsible for any other claim, loss, liability, damage, cost or expense related to Apple Pay, including, but not limited to, liability claims for third-party products, claims that Apple Pay fails to comply with applicable legal or regulatory requirements, claims arising from consumer protection or similar laws, and claims relating to infringement of intellectual property. Any requests or complaints regarding the use of Apple Pay, including those relating to intellectual property rights, should be directed to Apple. + USD: US dollars; GBP: Pound sterling; EUR: Euro; AUD: Australian dollar; CAD: Canadian dollar; NZD: New Zealand dollar; CHF: Swiss francs; JPY: Japanese yen; SEK: Swedish krona; HKD: Hong Kong dollar; NOK: Norwegian krone; SGD: Singapore dollar; DKK: Danish krone; PLN: Polish zloty; THB: Thai Baht; RUB: Russian rubble; UAH: Ukrainian Hryvnia. ++ Interbank rates are provided by third-party financial exchanges and due to delays in data transmission, and we cannot guarantee that these are the real-time interbank rates specified by these financial exchanges or the respective data providers. For more information, see blog.revolut.com/what-is-the-interbank-exchange-rate/.

Please note that interbank prices are subject to real-time fluctuations beyond our control. Past movements or trends in the evolution of interbank interest rates should not be used as an indicator of future movements in these interbank interest rates. Please also note that standard exchange rates are only a guide. We do not guarantee standard exchange rates. It is your responsibility to ensure that you accept the standard exchange rate for each transaction you enter into prior to the closing of the transaction. No overdraft/credit function. Your funds are held by the Metropolitan Commercial Bank, an institution insured by the FDIC, and are insured up to a maximum of $250,000. For general information about prepaid accounts, see cfpb.gov/prepaid.

Details and conditions of all fees and services can be found under revolut.com/en-US/legal/cardholder-terms. This arbitration provision sets out the circumstances and procedures in which claims (as defined below) will be heard in a court at the option of one of the parties. (a) Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us or between you and Revolut Technologies Inc. as Program Manager or any of its agents or retailers arising out of or in connection with the Card or this Agreement and any related or prior agreements you may have with us or those arising out of this Agreement. Contract. had a relationship, including the validity, applicability or scope of such arbitration clause or agreement. “Claim” means claims of any kind and nature, including, but not limited to, initial claims, counterclaims, follow-up claims and third party claims and claims based on contract, tort, fraud and any other intentional tort, laws, regulations, common law and equity. The term “Claim” shall have the broadest possible meaning and will include, by way of example and without limitation, any claim, dispute or controversy arising out of or related to (i) your Card or additional Cardholder Cards designated by you; (ii) the amount of funds available on the Cards; (iii) advertising, promotions or oral or written statements relating to the Cards, goods or services purchased with the Cards; (iv) benefits and services related to the Cards; and (v) your registration for a Card. We will not elect to arbitrate under the arbitration provision for claims that you duly file and sue in small claims court in your state or municipality, as long as the claim is individual and pending only in that court; any appeal brought by that court shall be exercised only in the context of the arbitration. As used in this arbitration provision, the terms “we”, “us” and “our” mean, for all intents and purposes, the bank, the program manager, wholly-owned or majority-owned subsidiaries, affiliates, licensees, predecessors, successors and assigns; and all its representatives, employees, directors and representatives. In addition, “we” or “our” includes any third party that uses or provides products, services or benefits in connection with the Cards (including, but not limited to, merchants who accept the Card, third parties who use or provide services, debt collection agencies and all of their agents, employees, directors and agents) if and only if such third party is designated as a co-party with us (or makes a claim with us).

or against us) in connection with or against us. with us with a claim made by you.. .