Last Revised on July 18, 2025
Welcome to the Terms of Service (these “Terms”) for the website, seis.com (the “Website”), and the related mobile applications (the “App”) operated on behalf of Seis, Inc. (“Company”, “we” “us” or “our”). The Website and any content, tools, features and functionality offered on or through our Website and the App are collectively referred to as the “Services” under your Seis Membership Subscription (“Membership”).
These Terms govern your access to and use of the Services. Please read these Terms carefully, as they include important information about your legal rights. By accessing and/or using the Services, you are agreeing to these Terms. If you do not understand or agree to these Terms, please do not use the Services.
For purposes of these Terms, “you” and “your” means you as the user of the Services. The Services can only be used by individuals and may not be used on behalf of a company or other entity.
Section 7 contains an arbitration clause and class action waiver. By agreeing to these Terms, you agree (a) to resolve all disputes with us related to the Services through binding individual arbitration, which means that you waive any right to have those disputes decided by a judge or jury, and (b) to waive your right to participate in class actions, class arbitrations, or representative actions in connection with your use of the Services. You have the right to opt-out of arbitration as explained in Section 7.
1. Services are only available to individuals who are (i) 18 years of age or older, (ii) residing in the 50 states of the United States or the District of Columbia, (iii) who have a U.S. physical address or military address (APO or FPO), (iv) have a valid Social Security Number, Tax Identification Number, or valid non-U.S. passport, and (v) are the owner of the external deposit account connected to your Seis Account.
1.2 Custodial Services are available only to (i) minor dependents of individuals subscribing to Services offered by us, and (ii) minors who are at least 8 years of age.
2.1 Creating and Safeguarding your Account. To use the Services, you need to (i) download our App, (ii) create an account (“Account”) with us, (iii) select a membership plan, and (iv) connect an external bank account. The Accounts are only available to individuals for personal, family or household purposes and may not be created by a business in any form or used for business purposes.
You agree to provide us with accurate and complete information, such as your physical address, email address and telephone number, and other information about you and other individuals associated with your Account. You agree to maintain and update promptly any changes in this information for your Account. You can access, edit and update your Account via the App.
You are solely responsible for any activity on your Account and for maintaining the confidentiality and security of your password. We are not liable for any acts or omissions by you in connection with your Account. You must immediately notify us at ayuda@seis.com, chat or phone if you know or have any reason to suspect that your Account or password have been stolen, misappropriated or otherwise compromised, or in case of any actual or suspected unauthorized use of your Account. You agree not to create any Account if we have previously removed your Account, or we previously banned you from any of our Services, unless we consent otherwise.
2.2 Banking Services. Seis is a financial technology company and is not a bank. Banking services and international transfers are provided by Seis Banking Partners. Your Membership gives you access to, but does not guarantee your approval for, products and services offered through Seis Bank Partners (“Banking Products”), including:
Seis Bank Partners establish the eligibility criteria for the products and services offered by them. You will be required to agree to their Account Agreements prior to your use of any Banking Products offered by Seis Bank Partners. Banking Products are governed under the respective product Account Agreements available at www.seis.com/legal. These Terms shall survive the termination, discontinuation, or cancellation of any of the Banking Products governed under any Account Agreements you enter into with Seis Banking Partners.
Your deposits may qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/.
2.3 Use of Third Party Materials in the Services. Certain Services may display, include or make available content, data, information, applications or materials from third parties (“Third Party Materials”) or provide links to certain third party websites. By using the Services, you acknowledge and agree that the Company is not responsible for examining or evaluating the content, accuracy, completeness, availability, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Third Party Materials or websites. We do not warrant or endorse and do not assume and will not have any liability or responsibility to you or any other person for any third-party services, Third Party Materials or third-party websites, or for any other materials, products, or services of third parties. Third Party Materials and links to other websites are provided solely as a convenience to you.
2.4 Promotional Codes. We may offer certain promotional codes, referral codes, discount codes, coupon codes or similar offers (“Promotional Codes”) that may be redeemed for discounts on Services that are not currently available to you under your current Membership, including future offerings (“Offerings”), or other features or benefits related to the Services, subject to any additional terms that the Company establishes. You agree that Promotional Codes: (a) must be used in a lawful manner; (b) must be used for the intended audience and purpose; (c) may not be duplicated, sold or transferred in any manner, or made available by you to the general public (whether posted to a public forum, coupon collecting service, or otherwise), unless expressly permitted by the Company; (d) may be disabled or have additional conditions applied to them by the Company at any time for any reason without liability to the Company; (e) may only be used pursuant to the specific terms that the Company establishes for such Promotional Code; (f) are not valid for cash or other credits or points; and (g) may expire prior to your use.
Privacy Policy. Our Privacy Policy describes how we handle the information you provide to us when you use the Services. For an explanation of our privacy practices, please visit our Privacy Policy located at seis.com/legal.
You authorize us to collect and process certain personal data and information from you, from third parties, or automatically from your use of the products or services provided by us, in accordance with the Privacy Policy, throughout our relationship and your use of our products or services. In particular, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider(s) for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud.
4.1 Right to Use Services. We hereby permit you to use the Services for your personal non-commercial use only, provided that you comply with these Terms in connection with all such use. If any software, content or other materials owned or controlled by us are distributed to you as part of your use of the Services, we hereby grant you, a personal, non-assignable, non-sublicensable, non-transferrable, and non-exclusive right and license to download, execute and display such software, content and materials provided to you as part of the Services (and right to download a single copy of the App onto your applicable device), in each case for the sole purpose of enabling you to use the Services as permitted by these Terms. Your access and use of the Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Service or other actions that Company, in its sole discretion, may elect to take.
4.2 Restrictions On Your Use of the Services. You may not do any of the following in connection with your use of the Services, unless applicable laws or regulations prohibit these restrictions or you have our written permission to do so:
(a) download, modify, copy, distribute, transmit, display, perform, reproduce, duplicate, publish, license, create derivative works from, or offer for sale any information contained on, or obtained from or through, the Services, except for temporary files that are automatically cached by your web browser for display purposes, or as otherwise expressly permitted in these Terms;
(b) duplicate, decompile, reverse engineer, disassemble or decode the Services (including any underlying idea or algorithm), or attempt to do any of the same;
(c) use, reproduce or remove any copyright, trademark, service mark, trade name, slogan, logo, image, or other proprietary notation displayed on or through the Services;
(d) use automation software (bots), hacks, modifications (mods) or any other unauthorized third-party software designed to modify the Services;
(e) exploit the Services for any commercial purpose, including without limitation communicating or facilitating any commercial advertisement or solicitation;
(f) access or use the Services in any manner that could disable, overburden, damage, disrupt or impair the Services or interfere with any other party’s access to or use of the Services or use any device, software or routine that causes the same;
(g) attempt to gain unauthorised access to, interfere with, damage or disrupt the Services, accounts registered to other users, or the computer systems or networks connected to the Services;
(h) circumvent, remove, alter, deactivate, degrade or thwart any technological measure or content protections of the Services;
(i) use any robot, spider, crawlers or other automatic device, process, software or queries that intercepts, “mines,” scrapes or otherwise accesses the Services to monitor, extract, copy or collect information or data from or through the Services, or engage in any manual process to do the same;
(j) introduce any viruses, trojan horses, worms, logic bombs or other materials that are malicious or technologically harmful into our systems;
(k) use the Services for illegal, harassing, unethical, or disruptive purposes;
(l) violate any applicable law or regulation in connection with your access to or use of the Services; or
(m) access or use the Services in any way not expressly permitted by these Terms.
4.3 Use of the App. You are responsible for providing the mobile device, wireless service plan, software, Internet connections and/or other equipment or services that you need to download, install and use the App. We do not guarantee that the App can be accessed and used on any particular device or with any particular service plan. We do not guarantee that the App or will be available in, or that orders for Offerings can be placed from, any particular geographic location. As part of the Services and to update you regarding the status of deliveries, you may receive push notifications, local client notifications, text messages, picture messages, alerts, emails or other types of messages directly sent to you in connection with the App (“Push Messages”). You acknowledge that, when you use the App, your wireless service provider may charge you fees for data, text messaging and/or other wireless access, including in connection with Push Messages. You have control over the Push Messages settings, and can opt in or out of these Push Messages through the Services or through your mobile device’s operating system (with the possible exception of infrequent, important service announcements and administrative messages). Please check with your wireless service provider to determine what fees apply to your access to and use of the App, including your receipt of Push Messages from the Company. You are solely responsible for any fee, cost or expense that you incur to download, install and/or use the App on your mobile device, including for your receipt of push messages from the Company.
4.4 Mobile Software from the Apple App Store. The following terms and conditions apply to you only if you are using the App from the Apple App Store. To the extent the other terms and conditions of these Terms are less restrictive than, or otherwise conflict with, the terms and conditions of this paragraph, the more restrictive or conflicting terms and conditions in this paragraph apply, but solely with respect to your use of the App from the Apple App Store. You acknowledge and agree that these Terms are solely between you and the Company, not Apple, and that Apple has no responsibility for the App or content thereof. Your use of the App must comply with the App Store’s applicable terms of use. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for the App to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be solely governed by these Terms. You and the Company acknowledge that Apple is not responsible for addressing any claims of yours or any third party relating to the App or your possession and/or use of the App, including, but not limited to: (a) product liability claims, (b) any claim that the App fails to conform to any applicable legal or regulatory requirement, and (c) claims arising under consumer protection or similar legislation. You and the Company acknowledge that, in the event of any third party claim that the App or your possession and use of that App infringes that third party’s intellectual property rights, the Company, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by these Terms. You must comply with applicable third party terms of agreement when using the App. You and the Company acknowledge and agree that Apple, and Apple’s subsidiaries, are third party beneficiaries of these Terms as they relate to your use of the App, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third party beneficiary thereof.
4.5 Beta Features. From time to time, we may, in our sole discretion, include certain test or beta features in the Services (“Beta Features”). Your use of any Beta Feature is voluntary You agree that once you use a Beta Feature, your content or data may be affected such that you may be unable to revert back to a prior non-beta version of the same or similar feature. Additionally, if such reversion is possible, you may not be able to return or restore data created within the Beta Feature back to the prior non-beta version. The Beta Features are provided on an “as is” basis and may contain errors or inaccuracies that could cause failures, corruption or loss of data and information from any connected device. You acknowledge and agree that all use of any Beta Feature is at your sole risk.
5.1 Ownership of the Services. The Services, including their “look and feel” (e.g., text, graphics, images, logos), proprietary content, information and other materials, are protected under copyright, trademark and other intellectual property laws. You agree that the Company and/or its licensors own all right, title and interest in and to the Services (including any and all intellectual property rights therein) and you agree not to take any action(s) inconsistent with such ownership interests. We and our licensors reserve all rights in connection with the Services and its content, including, without limitation, the exclusive right to create derivative works.
5.2 Ownership of Trademarks. The Company’s name, the “Seis” logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. Other names, logos, product and service names, designs and slogans that appear on the Services are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.
5.3 Ownership of Feedback. We welcome feedback, comments and suggestions for improvements to the Services (“Feedback”). You acknowledge and expressly agree that any contribution of Feedback does not and will not give or grant you any right, title or interest in the Services or in any such Feedback. All Feedback becomes the sole and exclusive property of the Company, and the Company may use and disclose Feedback in any manner and for any purpose whatsoever without further notice or compensation to you and without retention by you of any proprietary or other right or claim. You hereby assign to the Company any and all right, title and interest (including, but not limited to, any patent, copyright, trade secret, trademark, show-how, know-how, moral rights and any and all other intellectual property right) that you may have in and to any and all Feedback.
6.1 Disclaimers. Your access to and use of the Services are at your own risk. You understand and agree that the Services are provided to you on an “AS IS” and “AS AVAILABLE” basis. Without limiting the foregoing, to the maximum extent permitted under applicable law, the Company, its parents, affiliates, related companies, officers, directors, employees, agents, representatives, partners and licensors (the “Company Entities”) DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. The Company Entities make no warranty or representation and disclaim all responsibility and liability for: (a) the completeness, accuracy, availability, timeliness, security or reliability of the Services; (b) any harm to your computer system, loss of data, or other harm that results from your access to or use of the Services; (c) the operation or compatibility with any other application or any particular system or device; and (d) whether the Services will meet your requirements or be available on an uninterrupted, secure or error-free basis. No advice or information, whether oral or written, obtained from the Company Entities or through the Services, will create any warranty or representation not expressly made herein.
6.2 Limitations of Liability. TO THE EXTENT NOT PROHIBITED BY LAW, YOU AGREE THAT IN NO EVENT WILL THE COMPANY ENTITIES BE LIABLE (A) FOR DAMAGES OF ANY KIND, INCLUDING DIRECT, INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOSS OF USE, DATA OR PROFITS, BUSINESS INTERRUPTION OR ANY OTHER DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SERVICES), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER UNDER THESE TERMS OR OTHERWISE ARISING IN ANY WAY IN CONNECTION WITH THE SERVICES OR THESE TERMS AND WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) EVEN IF THE COMPANY ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, OR (B) FOR ANY OTHER CLAIM, DEMAND OR DAMAGES WHATSOEVER RESULTING FROM OR ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE DELIVERY, USE OR PERFORMANCE OF THE SERVICES. SOME JURISDICTIONS (SUCH AS THE STATE OF NEW JERSEY) DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION OR LIMITATION MAY NOT APPLY TO YOU. THE COMPANY ENTITIES’ TOTAL LIABILITY TO YOU FOR ANY DAMAGES FINALLY AWARDED SHALL NOT EXCEED THE AMOUNT OF ONE HUNDRED DOLLARS ($100.00), OR THE AMOUNT YOU PAID THE COMPANY ENTITIES, IF ANY, IN THE PAST SIX (6) MONTHS FOR THE SERVICES (OR OFFERINGS PURCHASED ON THE SERVICES) GIVING RISE TO THE CLAIM. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
6.3 Indemnification. By entering into these Terms and accessing or using the Services, you agree that you shall defend, indemnify and hold the Company Entities harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) incurred by the Company Entities arising out of or in connection with: (a) your violation or breach of any term of these Terms or any applicable law or regulation; (b) your violation of any rights of any third party; (c) your misuse of the Services; or (d) your negligence or wilful misconduct.
7.1 Informal Process First. You agree that in the event of any dispute between you and the Company Entities, you will first contact the Company and make a good faith sustained effort to resolve the dispute before resorting to more formal means of resolution, including without limitation, any court action.
7.2 Arbitration Agreement. After the informal dispute resolution process, any remaining dispute, controversy, or claim (collectively, “Claim”) relating in any way to your use of the Company’s services and/or products, including the Services, will be resolved by arbitration, including threshold questions of arbitrability of the Claim, except as permitted herein. You and the Company agree that any Claim will be settled by final and binding arbitration, using the English language, administered by JAMS under its Comprehensive Arbitration Rules and Procedures and the JAMS Consumer Minimum Standards (together, the “JAMS Rules”) then in effect (those rules are deemed to be incorporated by reference into this section, and as of the date of these Terms). Arbitration will be handled by a sole arbitrator in accordance with the JAMS Rules. Judgment on the arbitration award may be entered in any court that has jurisdiction. You have a right to have the arbitration conducted via telephone, or as an in-person hearing in your hometown area (if you live in the United States) or another location that is reasonably convenient to you.
7.3 Waiver of Class Actions and Class Arbitrations. You and Company agree that each party may bring Claims against the other party only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding, including without limitation federal or state class actions, or class arbitrations. Accordingly, under the arbitration procedures outlined in this section, an arbitrator shall not combine or consolidate more than one party’s claims without the written consent of all affected parties to an arbitration proceeding. Without limiting the generality of the foregoing, you and Company agree that no dispute shall proceed by way of class arbitration without the written consent of all affected parties.
7.4 Costs of Arbitration. Payment for any and all reasonable JAMS filing, administrative and arbitrator fees will be in accordance with the JAMS Rules. If the value of your claim does not exceed $10,000, the Company will pay for the reasonable filing, administrative and arbitrator fees associated with the arbitration, unless the arbitrator finds that either the substance of your claim or the relief sought was frivolous or brought for an improper purpose, except that if you have initiated the arbitration claim, you will still be required to pay the lesser of $250 or the maximum amount permitted under the JAMS Rules for arbitration claims initiated by you. You are still responsible for all additional costs that you incur in the arbitration, including without limitation, fees for attorneys or expert witnesses.
7.5 Opt-Out. You have the right to opt-out and not be bound by the arbitration and waiver of class provisions set forth in these Terms by sending written notice of your decision to opt-out to ayuda@seis.com or to the U.S. mailing address listed in the “How to Contact Us” section of these Terms. The notice must be sent to the Company within thirty (30) days of your registering to use the Services or agreeing to these Terms (or if this Section 7 is amended hereafter, within 30 days of such amendment being effective), otherwise you shall be bound to arbitrate disputes in accordance with these Terms, and the notice must specify your name and mailing address. If you opt-out of these arbitration provisions, the Company also will not be bound by them.
7.6 Exceptions. Notwithstanding anything in these Terms to the contrary, You may instead assert your Claim in “small claims” court, but only if your Claim qualifies, your Claim remains only in such court, and your Claim remains on an individual, non-representative and non-class basis. Further, you and the Company will have the right to bring an action in a court of proper jurisdiction for injunctive or other equitable or conservatory relief, or if the Claim relates to intellectual property infringement or misappropriation.
8.1 SMS Messaging and Phone Calls. Certain portions of the Services may allow us to contact you via telephone or text messages. You agree that the Company may contact you via telephone or text messages, including by an automatic telephone dialing system, pre-recorded or artificial voice message, at any of the phone numbers provided by you or on your behalf in connection with your use of the Services, including for marketing purposes. You understand that you are not required to provide this consent as a condition of purchasing any Offerings. You also understand that you may opt out of receiving text messages from us at any time, either by texting the word “STOP” to +1-866-256-0124 using the mobile device that is receiving the messages, or by contacting ayuda@seis.com. If you do not choose to opt out, we may contact you as outlined in our Privacy Policy.
8.2 Updating These Terms. We may modify these Terms from time to time in which case we will update the “Last Revised” date at the top of these Terms. If we make changes that are material, we will use reasonable efforts to attempt to notify you, as required by law or regulation, such as by e-mail and/or by placing a prominent notice on the first page of the Website or notice through our App. However, it is your sole responsibility to review these Terms from time to time to view any such changes. The updated Terms will be effective as of the time of posting, or such later date as may be specified in the updated Terms. Your continued access or use of the Services after the modifications have become effective will be deemed your acceptance of the modified Terms.
8.3 Termination of License. If you breach any of the provisions of these Terms, all licenses granted by the Company will terminate automatically. Additionally, the Company may suspend, disable, or delete your access to the Services with or without notice, for any or no reason. All sections which by their nature should survive the termination of these Terms shall continue in full force and effect subsequent to and notwithstanding any termination of this Agreement by the Company or you. Termination will not limit any of the Company’s other rights or remedies at law or in equity.
8.4 Injunctive Relief. You agree that a breach of these Terms will cause irreparable injury to the Company for which monetary damages would not be an adequate remedy and the Company shall be entitled to equitable relief in addition to any remedies it may have hereunder or at law without a bond, other security or proof of damages.
8.5 California Residents. If you are a California resident, in accordance with Cal. Civ. Code § 1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112 Sacramento, CA 95834, or by telephone at (800) 952-5210.
8.6 Miscellaneous. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. These Terms and the licenses granted hereunder may be assigned by the Company but may not be assigned by you without the prior express written consent of the Company. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for reference only and shall not be read to have any legal effect. The Services are operated by us in the United States. Those who choose to access the Services from locations outside the United States do so at their own initiative and are responsible for compliance with applicable local laws. These Terms are governed by the laws of the State of Utah, without regard to conflict of laws rules, and the proper venue for any disputes arising out of or relating to any of the same will be the arbitration venue set forth in Section 7, or if arbitration does not apply, then the state and federal courts located in Utah.
8.7 How to Contact Us. You may contact us regarding the Services or these Terms at: 3400 Ashton Blvd STE 410, Lehi, UT 84043, by phone at 866-256-1907 or by e-mail at ayuda@seis.com
9.1 Subject to the terms of this Agreement, your Membership includes access to the SeisPay Transfer Service via the App, and allows you to send money to, or receive money from, other Seis Checking Account holders (“SeisPay”). This Service does not require that you establish a Seis Checking Account with a designated Seis Banking Partner, but at least one party to a SeisPay transaction (sender or receiver) must have an active Seis Checking Account to send or receive funds.
Your access to SeisPay is determined by us in our sole discretion based on the history of any Seis-branded accounts you have, your use of SeisPay in the past, direct deposit history, funding history, and deposit amounts and other risk-based factors as determined by us. We may suspend or terminate your use of SeisPay at any time and without prior notice to you. Your discontinued use or termination of SeisPay may not constitute the termination of your Seis Checking Account with a Seis Bank Partner. If you violate the terms of SeisPay, such actions may be used as a basis to terminate your Account, Membership or Services offered by or through us.
By using the SeisPay feature, you agree that you will not post, transmit, distribute, or disseminate through any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libellous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offence or gives rise to civil liability or violates these terms and the Agreement; or (c); in our sole judgement, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of SeisPay, or which may expose Seis, Bank Partner, or their affiliates or its customers to harm, reputational risk, or liability of any nature.
Sometimes SeisPay transfers can be delayed. The recipient must use a valid debit card or Seis Checking Account to claim funds.
9.2 Using the SeisPay Transfer Service
To send a SeisPay Transfer, login to the App or Website and select "SeisPay.” Next, to select a recipient you may either scroll through your contacts and tap on your selected recipient, or enter the intended recipient’s name, mobile phone number, or the recipient’s Username (referred to as either the “Username” or “$SeisSign”). Finally, input the SeisPay Transfer dollar amount you would like to send and tap “Send.”
SeisPay Transfers are automatically debited from the sender’s Checking Account. SeisPay Transfers will be monitored and may be held, delayed or blocked if, in our sole discretion, completing the transfer could result in fraud or another form of financial harm. We may require additional information to complete a SeisPay Transfer.
You must make sure the recipient’s mobile phone number or Username is entered accurately to ensure the SeisPay Transfer is sent to the correct recipient. The obligation to pay the SeisPay Transfer will not be excused by an error in the information entered.
9.3 Username
By using SeisPay, you are representing that you are the owner of the mobile phone number or listed on your Account. You consent to have the first and last name registered on your Account associated with the Username; which will be visible to other Seis users who search for you by Username. This will assist the sending Seis users in verifying that you are the correct intended recipient of the SeisPay Transfer. You may change your Username at any time by going to your Settings and tapping Edit in the Personal Information Section.
Please note: The mobile phone number or Username entered during the SeisPay Transfer will display in your transaction history and on your statement for your reference. Additionally, if a Username was used to facilitate the SeisPay Transfer, the first name and last initial of the receiving Seis user will display in your transaction history after the SeisPay Transfer has been processed. A reference field is also available to add a personalized message to the recipient. These messages will be visible in your online transaction history but will not be included on your monthly statement.
9.4 Requesting Funds through SeisPay
You may request funds to be transferred to you through SeisPay by designating the amount of funds requested and your selected sender. If the sender approves your request for funds, your request will become the sender’s SeisPay Transfer and be processed as described below.
Please note: Any transfer with a User that is not a Seis Checking Account Holder may be additionally delayed. Users that do not have Seis Checking Accounts cannot send funds to you without verifying their card and being approved.
9.5 Recipients of SeisPay Transfers
You may initiate sending money to a Seis Checking Account Holder or non-Seis Checking Account Holder. Once you have selected and confirmed your recipient’s phone number, input the SeisPay Transfer dollar amount you would like to send and tap “Pay.”
9.6 SeisPay Transfers between Seis Checking Account Holders
Prior to sending a SeisPay Transfer, the sender will be prompted to confirm the transaction. Once the SeisPay Transfer is sent, it cannot be canceled. It is the sender’s responsibility to ensure the information is accurate prior to confirming the SeisPay Transfer request.
A SeisPay Transfer cannot be canceled if sent to another Seis Checking Account holder once the transfer is complete.
9.7 SeisPay Transfers to Non-Seis Checking Account Holder
If your recipient is not a Seis Checking Account holder, then they will receive a Short Message Service (“SMS”) notification or message via WhatsApp, depending on what information you provided, indicating that you have sent them money. In order for the transaction to be completed, your Recipient must claim the money within fourteen (14) days.
The non-Seis Checking Account holder recipient may claim funds in one of two ways:
If the recipient does not claim the money within fourteen (14) days, the payment will be canceled, and the SeisPay Transfer dollar amount will be returned to your Seis Checking Account. You can cancel a SeisPay Transfer to a non-Seis Checking Account Holder in the Mobile App within fourteen (14) days of initiating the transfer, as long as the non-Seis Checking Account Holder has not already claimed the funds.
Fees: There is a 1.5% debit card fee associated with the use of the SeisPay Transfer Service. This is charged to the recipient at the time of the transfer if they choose not to enroll in a Seis Checking Account.
9.8 SeisPay Transfer Requests to Non-Seis Checking Account Holder
A non-Seis Checking Account Holder may send a SeisPay Transfer to a Seis Checking Account Holder. In the case of a request the non-Seis Checking Account Holder will receive a Short SMS notification or message via WhatsApp, depending on what information the requesting Seis Checking Account Holder provided, indicating that the non-Seis Checking Account Holder has been requested to send money to the Seis Checking Account Holder. In order for the transaction to be completed, the non-Seis Checking Account Holder must choose to send the money within fourteen (14) days.
The non-Seis Checking Account Holder recipient may send funds in one of two ways:
If the sender does not send the money within fourteen (14) days, the request will be canceled. You can cancel a SeisPay Request to a non-Seis Checking Account Holder in the Mobile App within fourteen (14) days of initiating the transfer, as long as the non-Seis Checking Account Holder has not already sent the funds.
Fees: There is a 1.5% debit card fee associated with the use of the SeisPay Transfer Service. This is charged to the sender at the time of the transfer if they choose not to enroll in a Seis Checking Account.
9.9 SeisPay Transfer Limits
SeisPay Transfers may be initiated at any time as long as the transfer request does not exceed the available balance in your Seis Checking Account, subject to limits set by the Seis Bank Partners under their Account Agreements. Additionally, Seis may refuse to process any transaction that exceeds any of the limits described below. If your SeisPay Transfer is denied because your Seis Checking Account balance is not sufficient, you are responsible for making alternate payment arrangements with the intended recipient. These are the limits associated with SeisPay Transfer(s):
*All SeisPay Transfer limits are subject to temporary reductions to protect the security of member Checking Accounts and/or the SeisPay Transfer Service. Non-Seis Checking Account Holder may also have additional limits for receiving imposed by their financial institution or as set forth in the Terms and Conditions of Using the SeisPay Transfer Service as a Non-Seis Checking Account Holder. Seis may limit transactions based on the number of recipients or senders.
Certain members may be eligible for higher transfer limits based on Checking Account history at our discretion.
We may change these limits without notice to you. To determine the current limits that apply to you, you can access them under the settings section of the App, contact Member Services by calling 866-256-1907, email aydua@Seis.com, or ask the Seis Chat within the App.
9.10 Liability for SeisPay Transfers
You are liable for any SeisPay Transfer sent from your Seis Checking Account except in the case where the SeisPay Transfer was unauthorized, or the SeisPay Transfer was not properly executed according to your instructions. This means you are liable for any transaction made using SeisPay, even if you are unsatisfied with an exchange of goods or services.
If you receive a SeisPay Transfer and we later determine in our sole discretion that the SeisPay Transfer was invalid for any reason, (for example, the SeisPay Transfer was not authorized by the sender) you hereby authorize us to debit your Seis Checking Account for the amount of the invalid SeisPay Transfer. In the event that a negative balance is created in your Seis Checking Account as a result of debiting your Seis Checking Account for the invalid SeisPay Transfer, you hereby authorize us to move funds from any optional Seis Reserva Account you own in an amount equal to or less than the SeisPay Transfer.
If you believe your Seis Checking Account has been compromised or that a SeisPay Transfer from your Seis Checking Account was completed without your permission, please contact 1-866-256-1907 immediately.
In case of questions related to SeisPay, please send a message to us in the chat via the App.
The Seis Membership Subscription offers three Membership tiers: Standard, Plus, and Premium.
Upon creating a Seis Account, you are automatically enrolled in the Standard Tier. You have the option to upgrade to the Plus or Premium Tier at any time. Enrollment in any tier entails your agreement to the corresponding Membership Charges, as detailed below
10.1 Standard Membership Tier
The Seis Standard Membership Charge is $6 per month and gives you access to:
Standard Tier members may be eligible for a Membership Charge Waiver when you spend $1,500 collectively on your Seis cards during the Membership Period. Your Account must be in good standing to receive the Standard Tier Membership Charge Waiver. Unless specified otherwise, all terms and conditions apply equally across all account tiers.
10.2 Plus Membership Tier
The Plus Membership Charge is $10.00 per month. and gives you access to all of the Services offered through the Standard Membership Tier, plus additional offerings reflected on our website, www.seis.com.
Plus Tier members may be eligible for a discounted Membership Charge of $4.00 per month. To receive the discounted Plus Tier Membership Charge you must have selected or upgraded the Plus Tier Membership before your Membership Period begins, your Account must be in good standing, and you must spend at least $1,500 collectively on your Seis cards during the Membership Period.
10.3 Premium Membership Tier
The Premium Membership Charge is $15.95 per month. and gives you access to all of the Services offered through the Plus Membership Tier, with additional offerings reflected on our website, www.seis.com.
Premium Tier members may be eligible for a discounted Membership Charge of $9.95 per month. To receive the discounted Premium Tier Membership Charge you must have selected or upgraded to the Premium Tier Membership before your Membership Period begins, your Account must be in good standing, and you must spend at least $1,500 collectively on your Seis cards during the Membership Period.
10.4 Membership Charge.
You may try the Services for seven (7) days before you receive a Membership Charge. Your Membership Charge starts on the 8th day after opening your Account and your Membership billing cycle will begin (“Membership Period”). You will be charged on the same day of each month while your Account is active.
If you buy or subscribe to any of our Services, you agree to pay us the applicable charges and taxes in U.S. Dollars. Failure to pay these Membership Charges and taxes will result in the termination of your access to the Services. You agree that (a) if you purchase a recurring Membership to the Services, we may store and continue billing your payment method (e.g. credit card, debit card or deposit account), pursuant to the Payment Authorization subsection outlined below, to avoid interruption of such Services, and (b) we may calculate taxes payable by you based on the billing information that you provide us at the time of purchase. We reserve the right to change our Membership plans, tiers, including the Services offered, and we may adjust pricing for the Membership Tiers in any manner and at any time as we may determine in our sole and absolute discretion. Except as otherwise provided in these Terms, any price changes or changes to your Membership plan will take effect following reasonable notice to you and as required by law. All Membership Charges are payable in accordance with payment terms in effect at the time the Membership becomes payable. Payment can be made by debit or a charge, as applicable, to any Bank Products or connected debit card with your Account. Membership Charges will not be processed until payment has been received in full, and any holds on your Account by any other payment processor are solely your responsibility.
10.5 Payment Authorization.
You authorize us to debit or charge your designated Bank Product for the Membership Charge disclosed to you at the time you subscribe to any of our Membership Tiers for Services. If the payment method you provided to us for payment is declined or if a payment was not successfully made by you, we may charge your connected external debit cards or your connected external bank accounts. By connecting a debit card to your Account, you consent to any connected debit card or account to be charged in the event that your Account has insufficient funds to cover the Membership Charge. If we cannot collect the Membership Charge, you remain responsible for any uncollected amounts. If a payment is not successfully made and you do not cancel your Account, we may suspend your access to the Services until we have successfully charged a valid payment method. If we suspend access to the Services, you are still responsible for any outstanding balances in your Bank Products or any other financial products.
10.6 Membership Renewals and Cancellations.
You agree that if you purchase a Membership, your Membership will automatically renew at the Membership period frequency referenced on your subscription page (or if not designated, then monthly) and at the then-current rates, and your payment method will automatically be charged at the start of each new Membership Period for the fees and taxes applicable to that period. To avoid future Membership Charges, you must cancel your Membership and close your Account 14 days before the Membership Period renewal date by doing the following: By notifying us via:
10.7 No Membership Charge Refunds.
Except as expressly set forth in these Terms, payments for any Membership Charges to the Services are nonrefundable and there are no credits for partially used periods. Following any cancellation by you, however, you will continue to have access to the Services through the end of the Membership Period for which payment has already been made.
In partnership with Western Union, Seis offers remittance transactions (RT) services through the Membership. Western Union money transfer is subject to our Terms and Conditions and Western Union’s User Agreement and Privacy Policy. International money transfers for remittance transactions are offered and executed by Western Union. You must agree to Western Union’s User Agreement and Privacy Policy through the App prior to initiating a money transfer for remittance transactions.
Daily limits per user are subject to our and Western Unions review, due diligence and request for additional documentation. Seis and/or Western Union reserve the right to change the limits at any time.