The following terms of service are terms of a legal agreement (the “Agreement” or the “Terms”) between you (“you”, “your”, or “user”) and Bridgeover, Inc., its subsidiaries, affiliates, agents and assigns (“Bridgeover”, “we”, “us”, or “our”) which sets forth the terms and conditions for your use of Bridgeover’s website, www.bridgeover.io ((the “Site”), web application, android and iOS mobile application and the services provided thereby (“App” and, together with the Site, the “Services” or the “Platform”). By accessing, browsing and/or using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and Bridgeover, and this Agreement governs your use of the Services.
Please carefully review this Agreement before using the Services or accessing any data thereon. This Agreement represents an agreement between you and Bridgeover, and contains the Agreement and conditions governing your use of and access to the Services. If you do not agree to this Agreement, you may not access or use the Services.
You can print out a copy of this Agreement for your records.
By accessing or using our Services or Platform or otherwise indicating your consent to these Terms, you agree to be bound by these Terms and the documents that are referred to in these Terms (including our Privacy Policy). If you do not want to agree to these Terms, you must not access or use our Platform. By accessing or using the Platform, you represent to us that you are a legal resident or citizen of the United States, are at least eighteen (18) years old or the age of majority in your jurisdiction, and are not prohibited by applicable law from accessing or using our Services or Site.
If you have questions regarding your access to or use of the Platform or about these Terms, please contact us by e-mail at info@bridgeover.io
Bridgeover reserves the right in our sole discretion to amend these Terms for any or no reason, at any time, and from time to time. All such amendments will be effective from the date they are published and will apply to all access to or continued use of the Platform or Services. By continuing to use or access the Platform or Services following such amendment, you agree to be bound by the Terms as amended, regardless of whether or not Bridgeover notified you of such amendments. You agree to periodically review these Terms in order to be aware of any amendments. No changes to these Terms of Use are valid or have any effect unless agreed to by us in writing. Bridgeover may terminate, suspend, change, or restrict access to all or any part of this Site or the Services without notice or liability.
Your use of our Site and Services is governed by our privacy policy, which can be found here: https://bridgeover.io/privacy-policy-v10. By accessing or using our Site or Services or otherwise submitting your personal information to us, you consent to our collection, use, and disclosure of your personal information in accordance with the terms of our privacy policy. Our privacy policy is incorporated into these Terms by reference and forms an integral part of these Terms.
Using our Services requires you to provide us consent to use electronic records, notices and communications, which can be found in sections 10 and 11 below.
To access and use our Services, you will first be required to create a user account. To create a user account, you will be required to provide your name, email address, login name, and password, date of birth, address, and other information related to your user account, that we may require from time to time (the information you provide when creating a user account is collectively called your “Account Details”). When creating a user account, you agree to provide correct, current, and complete Account Details, and to promptly update your Account Details if any information changes.. To update your account Information, you may go to the Profile section of the Bridgeover app, click on “Settings,” and update your account information accordingly.
While we take steps to protect your Account Details, you acknowledge and agree that you are also responsible for maintaining the confidentiality of your Account Details. If you believe any of your Account Details (such as your password) have been compromised or that someone else is accessing your user account, you agree to promptly inform us and to take reasonable steps to secure your user account – for example, by changing your password.
You acknowledge and agree that your user account is personal to you, and that you cannot share your user account with, or transfer your user account to, another person without our prior written consent.
To use our Services, we first require that you help us verify your identity. Accordingly, you agree to authorize us to make any inquiries we consider reasonably necessary to validate your identity upon our request and to cooperate in getting answers to those inquiries. If you do not respond to our request to make inquiries or if we cannot verify your identity to our satisfaction, you acknowledge that we may not be able to allow you to use such services.
To use our Monitoring and Advance Services, you will need to provide Bridgeover access to your bank account/s transaction history, balance information, and/or certain other information maintained by third parties with which you have relationships, maintain accounts, or engage in financial transactions (“Third-Party Account Information”). By using the Services, you authorize Bridgeover to access Third-Party Account Information on your behalf as your agent, and you hereby expressly authorize applicable third parties to disclose your information to us. By agreeing to these Terms, you are also agreeing that you are responsible for keeping any passwords and usernames you provide to us secure, and for keeping those passwords and usernames up to date in the Services.
To help us link our Services to your bank account/s (“Linked Bank Accounts”), we use a third-party service provider called Plaid. To learn more about Plaid, their services, and how they handle any personal information of yours, check out their Term of Use at: https://plaid.com/. By accepting our Terms & Conditions you also agree to Plaid’s End User Privacy Policy- which can be found here https://plaid.com/legal/#end-user-privacy-policy. You can unlink your bank accounts at any time by emailing us at support@bridgeover.io with the subject line “Please disconnect my bank account with Bridgeover”. However, unlinking your account may be delayed, in case you have any outstanding Advance, until full repayment of such Advance, as provided below.
Bridgeover does not review the information, including information you provide, maintained by third parties for accuracy, legality, or non-infringement, and Bridgeover is not responsible for your information or products and services offered by or on third-party sites.
You acknowledge that any information based on your Linked Bank Account that is displayed through our Services will be the information we most recently accessed by us, and that this information may not be accurate, up-to-date, full, or reflect pending transactions or other recent activity.
To use some of the Services, you must meet the following criteria: (a) Your Linked Bank Account must be with one of our supported banks or credit unions; and (b) Your Linked Bank Account must enable our third-party data aggregators to view your transactions for at least the last hundred and twenty hundred (120) days.
We offer a service which allows the user to build a credit reserve of BridgePoints, which allows it to receive cash advances, as provided hereunder (the “BridgePoints Reserve”). In addition we offer a monitoring service, through which we continuously monitor your Linked Bank Account, build your cash-flow profile and generate short-term predictions on the risk of your account reaching a low or negative balance (the “Monitoring”). We also offer instant access to cash advances, based on the BridgePoints Reserve, the Monitoring and the predictions, through cash deposits into your Linked Bank Account (an “Advance”).
On opening your user account, you will receive an initial welcome grant of BridgePoints and you will start to accrue additional BridgePoints for each month you are using the service. Each BridgePoint represents the right to take an advance of $1 (one US Dollar) for a period of 1 (one) day. You can redeem your BridgePoints to take Advances.. Your BridgePoints balance may also be increased or reduced for any change in your Repayment Schedule or modification thereof, or for certain other activities, such as compliance or failure to comply with the terms of any Advance, as shall be indicated from time to time in the App. At any time you can view your current BridgePoints balance in the App.
The monthly accumulation of BridgePoints may be changed from time to time by the Company and is subject to the following conditions: (i) you must be employed by the employer who is sponsoring the Services for you, (ii) you have not reached the maximum balance allowed by the Company (iii) You are not in breach of the Terms of Use. Your BridgePoints balance may be reduced or eliminated, in case you are no longer employed by the employer who sponsored the services for you.
While the building of your BridgePoints reserve and the receiving of the monthly BridgePoints grant do not require you to link your bank account, in order to redeem the BridgePoints to take an Advance, you must have a Linked Bank Account and comply with the requirements for requesting an advance listed in Section 4.3 above and 5.4 below. Thus, you are strongly recommended to connect your bank account as provided under Section 4.3 above, at your earliest convenience, to make sure you are qualified to use our Advance service, once you need it. The Company will not be held liable and is not responsible for your inability to use the BridgePoints for receiving Advance, due to non-compliance with the requirements of Section 4.3 above or 5.4 below.
The Company reserves the right to change the terms of the BridgePoint reserve, the value of each point, the accrual, maximum balance, calculation of the increase or decrease of the BridgePoint balance or other terms of the BridgePoint reserve, by providing an advance notice to the User.
You will be able to view our Platform account predictions by entering the App. The predictions are for the next few days and are based on your historic financial expenses and income activities. While we are using our best efforts to make those predictions as accurate as possible, it is impossible for such predictions to be fully accurate. Bridgeover shall not be liable for any mistake in the predictions, whether over-estimating your predicted balance or underestimating it. The Platform allows you to insert items of expenses or income that are unexpected, unique, or unpredictable. If you believe that the Platform did not include any income or expense item in its prediction, you are urged to add such an item under “Report Unusual Transactions”. In some financial institutions, the data provided is not accurate. consistent or up-to-date, this may prevent us from presenting satisfactory predictions. In such cases, the system will not provide you with any predictions, although you will still be able to view your balance, as provided by your financial institution. Bridgeover will usually monitor only the account into which you receive your salary via direct deposit. Bridgeover usually will not monitor other connected Bank Accounts.
You may request an Advance at any time you are eligible and it is offered in your user account. Generally, in order to be eligible for an advance, your account must meet the following eligibility requirements, which may be adjusted, amended, modified or waived by us at any time:
The availability of an Advance and its amount is determined by Bridgeover, as provided below. In requesting an Advance, you will be required to select:
By requesting an Advance, you represent to us that you are requesting that Advance for the express purposes of covering upcoming payments that might otherwise cause you to go into overdraft or a very low balance. Please note that Advances are always provided at Bridgeover’s sole discretion, and may be granted or denied for any reason or for no reason. You will not be entitled to additional Advance if there is still an outstanding amount due on a previous Advance, or the full repayment did not reach our account. Bridgeover may set limits on the number of advances and the aggregate amounts of advances you can take over a certain period of time, as well as the period such advances may be outstanding. In certain cases, where the number of advances exceed the preset limits, Bridgeover may allow excessive advances, subject to you covering the funds transfer costs.
Once you have selected the required inputs to request an Advance in accordance with section 5.4, we will ask you to confirm your request for an Advance and agree to the specific Terms & Conditions of that Advance, including the repayment date (the “Advance Terms & Conditions”), before your request becomes active. Upon confirming your Request, we will initiate the ACH and you should receive your funds in accordance with the relevant timing of the request. If you initiate the Advance request during a non-business day, you will receive the funds only on the first business day after your request. Bridgeover may charge transfer fees for the transfer of the funds. In such a case, the amount of the fees will be clearly stated in the “Advance Terms & Conditions” you must confirm before taking the advance on our app. The transfer fees, if applicable, will be deducted from the amount of the advance delivered to your account.
In case the Advance you took is less than the maximum amount available to you under our Platform, you may be offered additional amount/s to top-up your Advance. Subsections 4 & 5 above shall apply to such top-up requests, and the amount extended will be treated as part of the same Advance. Bridgeover may charge transfer fees for the delivery of the top-up funds. In such a case, the amount of the fees will be clearly stated at the Advance Terms & Conditions and the amendment thereto regarding Top Up, which you must confirm on our app, in order to receive the top-up advance. The transfer fees, if applicable, will be deducted from the amount of the top-up advance delivered to your account.
You will not be entitled to top-up your Advance in case that any scheduled repayment on account of the Advance (including any Top-Ups thereon), was not timely repaid in full, or the repayment did not reach our account. Bridgeover reserves the right to limit or deny the top-up availability for users with short wage cycles.
The advances are provided to you in order to assist you in covering short-term cash deficiency and give you the opportunity to resolve the deficiency within a short period. The advance is not intended to replace a regular loan, or otherwise maintain positive account balance. The advance is expected to be repaid in full on your next payday or as provided in the Repayment Schedule (as defined below) and you agree to take the necessary steps to allow collection and avoid taking steps which jeopardize or circumvent collection..
We will charge your Bank Account for the amount of an outstanding Advance, on or around the return date provided when you requested the Advance (your “Repayment Date”). Usually, this will be the day of your next payday.
In case you need to change the Repayment Date, or wish to repay the Advance in more than one installment (“Repayment Schedule”), you can request a Repayment Schedule, or modification thereof, by setting a Repayment Schedule in the Bridgeover App , within the limitation described therein. The limitations may include, among other, maximum period for returning the Advance, maximum number of payments, minimum amount per repayment etc. Your ability to request a Repayment Schedule or modify it, may be further limited by the availability of sufficient BridgePoints balance. Once you commit for and confirm the Repayment Schedule, and the schedule is approved by the Bridgeover system, collection of the Advance will be implemented pursuant to such Repayment Schedule. It is your duty to ensure that you have enough money in your bank account on each payment day and the two days thereafter.
Bridgeover may add transfer fees for collection of the funds from your account. The amount of the fees will be clearly stated in the “Advance Terms & Conditions” you must confirm before taking the Advance on our app, and the terms you confirm once you have set or modified a Repayment Schedule. The transfer fees, if applicable, will be added to the amount of the Advance collected from your account. In case of partial collection, or number of scheduled collections or installments, transfer fees may be added to each collection or installment.
If you have insufficient funds to cover the repayment amount due on each repayment date, or, our system predicts that collecting the advance will result in your account reaching a negative or low balance in the next few days thereafter (“Predicted Insufficient Funds”), the Repayment Date will automatically be delayed to the next expected payday. In case that on the delayed Repayment Date, there are still insufficient funds or Predicted Insufficient Funds in the account, repayment will be collected on the next day on which you have sufficient funds in your Bank Account. In each of the above circumstances, a partial repayment may be implemented. Such multiple repayments may incur transfer fees as described above and may further reduce your BridgePoints balance.
In case of a full or partial failure to collect a repayment, pursuant to a Repayment Schedule, the amount failed to be collected, will be added to the next scheduled repayment date (if any), unless you modify your Repayment Schedule to provide a different collection schedule, which is acceptable to Bridgeover. If the full amount of the Advance has not been repaid by the last scheduled repayment date, repayment will be made on the next date on which you do have sufficient funds in your Bank Account. Any delay in the repayment of your advance as defined in your Repayment Schedule, or failure to fully repay your advance till the maximum term for repayment, may result in reduction of the advance amount available to you in the future and/or reduction of the BridgePoints available in your BridgePoint Balance.
Bridgeover monitors your balance and will attempt to ensure that you have sufficient funds before debiting your account, but Bridgeover makes no guarantees that an overdraft or non-sufficient funds will not occur. Bridgeover reserves the right to collect the advance due from any of your connected Bank Accounts.
Until the full repayment of the Advance amount was not received in Bridgeover’s bank account, you will not be entitled to an additional Advance. Please note that it might take a few days from the time your Linked Bank Account is debited for the Advance amount, and until it hits Bridgeover bank account. At any time you can view the status of your Advances under the “Advances” tab of the App.
You represent and warrant to us that you have the right to authorize us to charge your Bank Accounts for payments due to us under these Terms. If your Linked Bank Account is a joint bank account with someone else, you represent and warrant that you have the authority to (a) bind the absent account holder(s); and (b) enter into these Terms independently. You agree to indemnify and hold Bridgeover harmless from any third-party claims related to your Linked Bank Accounts.
We waive any legal or contractual claim we may have against you as a result of your failure to return an Advance and will not engage in any debt collection activities, transfer or sell such a claim to any third-party, or report you to a consumer reporting agency. However, we will not provide you any further Advances while any amount of a previous Advance remains outstanding and may limit, reduce or condition future Advances in such case. We do not waive any rights regarding fraudulent activity and reserve all rights to pursue instances of fraud.
Although our goal is to help users avoid overdraft of NSF fees, our services are proactive only, meaning we can’t do anything to help you avoid overdraft or other fees if you exceed the funds available in any bank account you may hold, including the Linked Bank Account. You acknowledge that we are not responsible for any overdraft fees, over-the-limit fees, insufficient fund charges, or any other such fees that may result from your failure to maintain a sufficient balance in any of your bank accounts. We will make reasonable efforts to ensure you have sufficient funds before debiting your Linked Bank Account for the return of an Advance, but cannot guarantee that overdraft fees or other fees will not occur as a result of or in connection with your return of an Advance in accordance with section 5.6. Bridgeover shall not be held liable for the consequences of such overdraft or non-sufficient funds
Bridgeover is offering you the opportunity to refer workplace colleagues via a Referral Program (“Program”) offered via our App. By using the App or participating in the Program, you are bound by these Terms and agree to them, as they refer to the Program. All of the Company’s decisions are final and binding. The personal information collected, processed and used as part of the Program will be governed by Company’s Privacy Policy (See Section 3 above).
How the Program Works: To refer colleagues, you must visit the App and follow the on-screen instructions. Through the App you will be able to obtain a unique registration link and share it with your colleagues (the “Personal Referral Link”).
Provided your colleague creates a User Account with Bridgeover using the Personal Referral Link you have provided to it, and subject to your compliance with the terms herein, you will be entitled to receive from Bridgeover the referral bonus to your Linked Bank Account (“Referral Bonus”). You will be entitled to receive the Referral Bonus, as in force at the time your colleague completed the creation of its User Account with Bridgeover. You can learn about the current referral bonus offering and conditions (which may be changed from time to time), by clicking the relevant link in the App. Your invited colleague may also be entitled to a bonus, as provided in the App. Provided you meet the requirements, as in force at that time, you may get a Referral Bonus for each colleague who registers.
To participate in the Program and get Referral Bonus, you must comply with the following:
Liability: YOU UNDERSTAND AND AGREE THAT THE RELEASED PARTIES (DEFINED BELOW) SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE BRIDGEOVER WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES). By participating in the Program, you agree to defend, indemnify, release and hold harmless Bridgeover and its respective affiliates and subsidiaries, together with their respective employees, directors, officers, licensees, licensors, shareholders, attorneys and agents including, without limitation, their respective advertising and promotion entities and any person or entity associated with the production, operation or administration of the Program (collectively, the “Released Parties”), from any and all claims, actions, demands, damages, losses, liabilities, costs or expenses caused by, arising out of, in connection with, or related to the Program and/or the awarding, receipt and/or use or misuse of any benefit in the Program. To be clear, the Released Parties shall not be liable for any technical errors or malfunctions, data theft or corruption, any printing or typographical error, or any damage to any computer system resulting from participating in, or accessing or downloading information in connection with the Program. The Released Parties shall not be liable to you for failure to supply any advertised benefit, by reason of any acts of God, any action or request by any governmental or quasi-governmental entity (whether or not valid), or any other activity or action that is beyond any of the Released Parties’ control. TO THE FULLEST EXTENT POSSIBLE BY LAW, THE RELEASED PARTIES’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE PROGRAM, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), WILL NOT EXCEED $100.
Bulk Distribution (“Spam”): You are the actual sender of the referral message and must comply with applicable law. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with friends and colleagues. By submitting any email address, phone number or other personal information as part of the Program, the Referrer represents that he/she has the appropriate permission and consent. Bulk email or text distribution, distribution to strangers, or any other use of the services described herein in a manner that is not promoted is expressly prohibited and may be grounds for immediate termination and further legal action. Bridgeover has no obligation to monitor the Program or any communications; however, it may choose to do so and block any referral messages, remove any such content, or prohibit any use of the Program in its sole discretion. Referrers shall indemnify, defend and hold harmless the Released Parties against any liabilities, damages, costs and expenses that they incur as a result of your violation of (i) applicable law, including, but not limited to, anti-spam laws; or (ii) these Terms.
Right to Cancel, Modify or Terminate: Bridgeover reserves the right to cancel, modify, amend, alter, change or terminate the Program at any time for any reason at its sole discretion. Bridgeover reserves the right to exclude you from participation in the Program at any time for any reason in its sole discretion.
You may request to cancel the Services or Disconnect your Linked Bank Account at any time by sending us an email at support@bridgeover.io, with the heading “Cancelation of Service or Account Disconnection”. If you do not have an Advance outstanding (full or partial), your account will be canceled within 3 business days. Cancellation is effective at the end of the then-current month of your Subscription Service. If you do have an Advance outstanding (full or partial), your account will be canceled on the earlier of: 1. the repayment of the outstanding Advance in full, or 2. 90 days after such a canceling request. During the period after your canceling request, you shall not be entitled to any new Advance. However, at Bridgeover discretion, we may continue to provide you with the Monitoring service. Upon canceling the service your BridgePoints balance will be zeroed and you will not accrue additional BridgePoints.
As the Services are sponsored by your employer, we are required to report to your employer once you engage with the Services and once you have canceled your engagement. In case there is any amount due under any Advance, and either the 90 days mentioned above have elapsed or you disconnected your Linked Bank Account, we would be entitled to notify the fact to the employer. You are hereby specifically agreeing to share the above information with your employer.
Once your engagement with the employer that sponsors your participation in the Services has terminated, or you were advised that it will be terminated on a certain specific date, you undertake to immediately notify Bridgeover at support@bridgeover.io. As of this time, you will not be entitled to request, or be offered, any new Advance or to top-up of existing Advance. You will also be disconnected from the Services, as provided above. However, unless you notify us of your request to cancel the Services, Bridgeover, at its own discretion, may continue to provide you with the Monitoring services, for a certain period, without any charge on your part.
Our Services and all the content on our Platform (including without limitation all information, reports, data, databases, graphics, interfaces, web pages, text, files, software, code, product names, company names, trademarks, logos, trade names, any other intellectual property contained on the Platform or Services), the manner in which such content is presented or appears and all information relating thereto, and our Services’ features and functionality (collectively, the “Platform IP”) are owned by us, our licensors, or other providers of such Platform IP, and are protected in all forms by intellectual property laws, including without limitation copyright, trademark, patent, trade secret, industrial design, and any other proprietary rights.
We grant you a personal, revocable, non-transferable, and non-exclusive license to access the Platform IP.
You agree that, except as explicitly authorized by us, you will not:
If you believe you were charged on account of an Advance any amount by us incorrectly or received an Advance that you did not request, please contact us immediately at support@bridgeover.io and include your name, login name (never share your password), and the issue that you would like us to look into, including the dollar amount of that issue, if applicable.
We will try to resolve the issue you’ve notified us about within 10 business days of receiving your notice – however, you acknowledge that we may be unable to resolve the issue you’ve notified us about within that time-frame. We may, at our discretion, reimburse you for any amounts at issue for the period during which we attempt to resolve the issue, however, we are not obligated to do so.
You authorize Bridgeover to electronically debit and credit your Bank Accounts with any Advance and to correct erroneous debits and credits. You confirm your understanding that the debit or credit of your Advances may be implemented via ACH transfer, Debit Card charge or any other available method.
Chargebacks:
You acknowledge that, as applicable, the electronic authorization contained in this Section represents your written authorization for electronic fund transfer (“EFT”) as provided herein and will remain in full force and effect until you terminate your enrollment with our Services.
You agree to indemnify and hold Bridgeover harmless from and against any loss incurred as a result of its withdrawal of a pre-authorized debit transaction from your Bank Accounts, if any of the information relied upon in your request to stop payment is incorrect or incomplete.
You warrant and represent to Bridgeover that you have the right to authorize us to charge and credit your Bank Accounts for payments due to us under this Agreement. If you have a joint Linked Accounts, you represent and warrant that you have the authority to (a) bind the absent account holder; and (b) enter into this Agreement independently. You agree to indemnify and hold Bridgeover harmless from any claims by any other owner of the linked Bank Accounts.
You represent that you are capable of saving or otherwise storing a copy of this electronic authorization for your records, and the credit and debit transactions you request comply with applicable law.
You agree to let us contact you by email, text message, notification, or phone call at the address or number you have provided us, so that we can provide you with information about your use of our services. You agree to let us contact you by email, text message, notification, or phone call at the address or number you have provided us, so that we can provide you with information about your use of our services. You consent to the exchange of information and documents between you and us electronically over the Internet, by email, or by telephone. If you have a user account with Bridgeover or have agreed to receive service from Bridgeover, we may send you information or documents to the email address or telephone number in your Account Details or as provided to us by you in the course of registering for the Services.
To the extent you have provided us with your email address or telephone number, you represent and warrant to us that such email address or telephone number is yours and that you are permitted to receive emails, calls, notifications, or text messages at the email address or telephone number you have provided to us. You agree to promptly alert us whenever you stop using the email address or telephone number that you’ve provided to us.
You acknowledge that you may incur costs to receive phone messages, text messages, emails, or other electronic communications from us and agree that you are responsible for such costs.
You consent to receive SMS messages (including text messages), and telephone calls (including pre-recorded and artificial voice and auto dialed) from us, our agents, representatives, affiliates, or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, OTP or questions about your use of the Services and/or the Site. You certify, warrant, and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. Bridgeover and our agents, representatives, affiliates, and anyone calling on our behalf may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, e-mails or other means.
Our Services are for your personal and non-commercial use only. You agree that you will only access or use our Services for lawful purposes and in accordance with these Terms and that you will not access or use our Services to:
We may in our sole discretion for any or no reason, with or without notice, and at any time:
Any such termination or action taken by us under this section 13 is in addition to and without prejudice to such rights and remedies as may be available to us, including injunctive and equitable remedies. Any terms of these Terms which are necessary to give effect to our rights under these Terms or that contemplate survival beyond termination will survive, except to the extent not permitted by law.
EXCEPT TO THE EXTENT REQUIRED BY LAW, IN NO EVENT WILL BRIDGEOVER, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, OR ITS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS BE LIABLE, WHETHER IN TORT, CONTRACT, OR OTHERWISE, FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, AGGRAVATED, ECONOMIC, OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF USE, LOST PROFITS, LOST GOODWILL OR BUSINESS REPUTATION, LOST DATA, OR LOST SAVINGS, EVEN IF BRIDGEOVER OR ANY OF ITS LAWFUL AGENTS OR EMPLOYEES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM, RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES OR ANY CONTENT ON THE PLATFORM, INCLUDING WITHOUT LIMITATION: (A) ANY CHANGES BRIDGEOVER MAY MAKE TO THE SERVICES OR TO ANY CONTENT ON THE PLATFORM, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE SERVICES OR ANY CONTENT ON THE PLATFORM; (B) THE DELETION OF, CORRUPTION OF, OR FAILURE TO SEND, DISPLAY, OR STORE ANY USER GENERATED CONTENT, OR OTHER COMMUNICATIONS OR DATA MAINTAINED OR TRANSMITTED BY OR THROUGH THE SERVICES OR ANY CONTENT ON THE PLATFORM; (C) YOUR FAILURE TO PROVIDE BRIDGEOVER WITH ACCURATE ACCOUNT DETAILS OR TO KEEP YOUR ACCOUNT DETAILS SECURE AND CONFIDENTIAL, AS APPLICABLE. NOTWITHSTANDING THE FOREGOING, IF BRIDGEOVER IS FOUND TO BE LIABLE FOR ANY REASON, BRIDGEOVER’S LIABILITY TO YOU OR ANY THIRD-PARTY IS LIMITED TO THE GREATER OF: (A) THE TOTAL FEES SUCH PARTY PAID TO BRIDGEOVER IN THE 12 MONTHS PRIOR TO THE ACTION GIVING RISE TO THE LIABILITY; AND (B) $100.
You understand and agree that the Services, any content on the Platform, and any services or items found or attained through the Platform are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied, including without limitation the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
Except as otherwise expressly required by applicable law, Bridgeover makes no representations, warranties, conditions, or other terms (whether express or implied) in relation to the provision of the Services or any content on the Platform, including without limitation as to the completeness, security, reliability, suitability, accuracy, availability, or currency of the Services or any content on the Platform, that the Services or any content on the Platform will be free from bugs, errors, or omission, or as to the satisfactory quality or fitness of the Services or any content on the Platform for a particular purpose. Bridgeover assumes no obligation to update the Services or any content on the Platform. The Services or any content on the Platform may be changed without notice to you.
To the maximum extent permitted by applicable law, Bridgeover excludes all liability (whether arising in contract, tort, breach of statutory duty, or otherwise), which Bridgeover may otherwise have to you as a result of any error or inaccuracies in the Services or any content on the Platform, the unavailability of the Services for any reason, or any representation or statement made on or through the Services or any content on the Platform.
Bridgeover cannot and does not guarantee or warrant that files or data available for downloading from the Services will be free of viruses or other destructive code. You are solely and entirely responsible for your use of the Services and your computer’s internet and data security. To the fullest extent provided by law, Bridgeover will not be liable for any loss or damage caused by denial-of-service attack, distributed denial-of-service attack, overloading, flooding, mailbombing or crashing, viruses, trojan horses, worms, logic bombs, or other technologically harmful materials that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Services or any services or items found or obtained on or through the Services or to your downloading of any material posted on or through the Services, or on any website linked to the Services.
The Services or content on the Platform may contain links to third-party sites or may interoperate with certain third-party sites or services, such as your bank accounts. Bridgeover does not assume responsibility for the accuracy or appropriateness of, and has no control over, the information, data, opinion, advice, or statements contained at such sites, and makes no representations about any such websites that may be accessed from the Services or from any content on the Platform. Where you access such sites, you acknowledge and agree you are doing so at your own risk. Your use of a third-party site may be governed by the terms and conditions of such site.
In providing links to third-party sites, Bridgeover is in no way acting as a publisher or disseminator of any material contained on those sites and does not and does not seek to monitor or control such sites.
A link to a third-party site does not mean and should not be construed to mean that Bridgeover is affiliated or associated with such third-party in any way. Bridgeover does not recommend or endorse any material found on such third-party sites. The mention of another party or its product or service on the Services or in any content on the Platform is not and should not be construed as an endorsement of that party or its product or service.
Any reliance you may place on the Services or any content on the Platform is at your own risk. Any content provided by Bridgeover on or through the Services is provided for general information purposes only. Such content does not constitute technical, financial, or legal advice, or any other type of advice, and should not be relied on for any purpose. You agree to apply your own judgment or obtain specific or professional advice before taking, or refraining from, any action or inaction on the basis of the Services or any content on the Platform.
To the maximum extent permitted by applicable law, you agree at all times to indemnify, defend, and hold harmless Bridgeover, its agents, affiliates, partners, and its and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, actions, proceedings, demands, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including legal and other fees and disbursements) sustained, incurred, or paid by Bridgeover, or arising out of or relating to your breach of these Terms, your access or use of the Services, your violation of any applicable law or regulation, your withdrawal of any pre-authorized consent without prior notice to us, or violation of any third-party’s intellectual property or other rights.
The following disclosures are made in accordance with federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers. There may be limitations on your Linked Bank Accounts that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your Linked Bank Accounts.
Bridgeover business days are Monday through Friday. Holidays are not included.
16.4 Types of Transfers; Limitations.
You may use the Services to request and receive Advances to your Linked Bank Account and to repay such Advances in the amounts and on the days you request. Any limitations regarding the Advance amount will be displayed to you through the Services.
16.5 Confidentiality Related to Electronic Fund Transfers.
We will disclose information to third parties about the Electronic Fund Transfers you make through the Services:
In case of errors or questions about your Electronic Fund Transfers, email us at info@bridgeover.io. If you think your Linked Bank Account receipt, or payment history within the Mobile App is wrong, contact us as soon as you can. We must hear from you no later than 90 days after the receipt was delivered to you. In your notification to us, you must:
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
Bridgeover will have no liability to you for any breach of these Terms caused by any event or circumstances beyond Bridgeover’s reasonable control, including without limitation strikes, lock-outs and other industrial disputes, breakdown of systems or network access, disease, flood, fire, explosion, or accident.
No agency, partnership, joint venture, employee-employer, or franchiser-franchisee relationship is intended or created by these Terms.
These Terms are governed by and are to be construed in accordance with the laws of the State of Delaware, without giving effect to any choice of law provision, principle, or rule, and notwithstanding your domicile, residence, or physical location.
For the purpose of all legal proceedings, these Terms shall be deemed to have been performed in the State of Delaware and the courts of the State of Delaware shall have jurisdiction to entertain any action arising under or out of these Terms. You and us both agree to irrevocably submit to the exclusive jurisdiction of the courts of Delaware. You further waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.
You agree to waive any right you may have to a trial by jury or to commence or participate in any class action against us related to the Services, any content on the Platform, or these Terms.
No failure by us to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these Terms operates, or may be construed, as a waiver by us thereof. No single or partial exercise by us of any right, remedy, power, or privilege hereunder precludes any other or further exercise by us thereof or the exercise of any other right, remedy, power, or privilege.
Any term of these Terms that is prohibited or unenforceable in any jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such prohibition or unenforceability and shall be severed from the balance of these Terms, without affecting the remaining terms of these Terms or affecting the validity or enforceability of such terms in any other jurisdiction. Nothing in these Terms shall operate to prejudice any mandatory statutory requirement or your statutory rights.
These Terms, together with our Privacy Policy, contain the entire understanding and agreement between you and us in relation to your use of the Services, and supersede and replace all prior and contemporaneous understandings, agreements, representation, statements, or other communication.
You may not assign, sublicense, or otherwise transfer any of your rights and obligations in these Terms to any other person. We may freely assign these Terms.
All rights not expressly granted by us herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section.
If you have questions regarding the Agreement or the practices of Bridgeover, please contact us by e-mail at support@bridgeover.io.
Bridgeover is an AI-powered financial wellness platform that partners with employers to support their employees’ financial health. We provide employees access to interest and fee-free emergency funds up to $400, flexible repayment options, and resources for long-term financial stability.
