Terms of Use

Last Updated July 10, 2024

These terms of use, together with any documents they expressly incorporate by reference (these “Terms of Use”), are entered into by and between you and Bridge Money, Inc. (“Company”, “we” or “us”) and govern your access to and use of www.bridgemoney.co, whether as a guest or a registered user, including any content, functionality, products and services (the “Services”) offered on or through www.bridgemoney.co (the “Bridge Site”) and any mobile application we offer (the “Bridge App”, and together with the Bridge Site and the Services, the “Bridge Platform”). To the extent that you use any other third-party products and services in connection with your use of the Bridge Platform or any of our Services, you agree to comply with all applicable terms of any agreement for such third-party products and services.

This Bridge Platform is offered and available to users who are of legal age and capacity to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, or if you do not want to be bound by these Terms of Use and our privacy policy (“Privacy Policy”), which can be found at https://www.bridgemoney.co/legal/privacy-policy (collectively, the “Terms”), you must not access or use the Bridge Platform.

PLEASE READ THESE TERMS CAREFULLY, AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING AN AGREEMENT TO ARBITRATE.

1. The Bridge Platform including but not limited to these Terms of Use are subject to change without notice.

2. The use of the Bridge Platform is governed by the laws of the United States of America and the applicable laws of the State of Illinois without regard to conflict of law principles and any legal action will be brought in the courts located in Cook County, Illinois. However, in every case and to the full extent possible under applicable law, THE COMPANY AND ITS USERS AND CUSTOMERS ELECT TO RESOLVE DISPUTES AND CLAIMS THROUGH ARBITRATION OR IN THE COURTS RATHER THAN BEFORE A JURY. YOU AND THE COMPANY AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING.

3. You agree that we may provide notices to you by electronic means, for example, by posting it on our website, sending you an in-App notification or message, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us. You agree to receive push notifications from us. You can opt out of receiving push notifications through your device settings. Please note that opting out of receiving push notifications may impact your use of the Services. You also agree to receive autodialed and pre-recorded, non-marketing, service-related text messages from or on behalf of Bridge at the phone number provided.. To stop receiving marketing-related messages, you may reply STOP to any marketing-related text message you receive from Bridge. After you text “STOP” to us, we will send you a text to confirm that you have been unsubscribed. After this, you will no longer receive text messages from us. Standard message and data rates may apply to both non-marketing and marketing-related messages.

4. Because the Bridge Platform operates on the Internet, you consent to transact business with us electronically, you also agree to receive alerts about your activity, balances, payments, suspicious activities, and other matters involving your use of the Bridge Platform or the Services through push notifications to your smartphone or other device. Receipt of push notifications may be delayed or prevented by factors beyond our control, including those affecting your internet/phone provider. We are not liable for losses or damages arising from non-delivery, delayed delivery, or the erroneous delivery of any push notification; inaccurate push notification content; or your use or reliance on the content of any push notification for any purposes. Each push notification may not be encrypted and may include your name and information pertaining to your online account or use of the Bridge Platform. We may terminate your use of push notifications at any time without notice. You may choose to discontinue receiving push notifications by updating your preferences on your smartphone or device. You acknowledge and agree that standard call, message, and data rates charged by your carrier apply to all communications by or with us.

5. In the future, the Bridge Platform or our Services may include access to and maintenance of certain consumer financial products and accounts (each, a “Bridge Account”) offered by a bank partner (“Bank Partner”). You understand that the Bank Partner has ultimate      discretion to approve or deny your application for a Bridge Account, or discontinue your Bridge Account, for any reason, subject to applicable law. We or the Bank Partner may limit or deny your access to any other aspect of the Service for any reason, subject to applicable law. YOU UNDERSTAND THE BRIDGE PLATFORM IS NOT A BANK.

6. You may be presented with the opportunity or requirement to create an online account to use certain parts of the Bridge Platform or to apply for or open a Bridge Account. When you create an online account, you may be required to pick a username, password, and/or other access credentials. Registration data and certain other information about you are governed by our Privacy Policy. You are responsible for maintaining the confidentiality of your online account and access credentials and for restricting access to your computer and any other devices you use to access your online account, and you agree to accept responsibility for all activities that occur under your online account or access credentials. You may not assign or otherwise transfer your online account to any other person. You acknowledge that we are not responsible for third party access to your online account, including access that results from theft or misappropriation of your online account or access credentials. We reserve the right, in our sole discretion, to refuse or cancel your access to the Bridge Platform or our Services, terminate online accounts, or remove or edit Content (as defined below). We will not be liable for any loss or damage arising from your failure to comply with this provision.

7. You are solely responsible for all code, video, images, information, data, text, software, music, sound, photographs, graphics, messages, or other materials (“Content”) that you upload, post, publish, or display (hereinafter, “Upload”), email, or otherwise use via the Bridge Platform. We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this section, including removing the offending Content from the Bridge Platform, suspending or terminating the online account(s) and/or Bridge Account(s) of such violators, and reporting such violators to law enforcement authorities. You agree that you will not Upload any Content that: (a) includes material that is copyrighted, protected by trade secret, or otherwise subject to any other proprietary rights (including, without limitation, trademark rights or privacy and publicity rights) unless you are the owner of such rights or have express permission from the owner to post such material; (b) includes any material that, infringes upon, misappropriates, or violates the rights of any person or entity, or violates any applicable laws; (c) is unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, indecent, violent, abusive, profane, false, hateful, racially or ethnically offensive, encourages conduct that would be considered a criminal offense, gives rise to civil liability, violates any law, or is otherwise inappropriate; (d) contains advertisements or solicitations of any funds, goods, or services; (e) is a communication by a user impersonating another user; (f) contains personal information, such as messages which identify an individual’s names, telephone numbers, social security numbers, account numbers, and/or addresses; or (g) could be considered bulk unsolicited communications.

8. The Bridge Platform and all Services we offer are intended solely for your personal use. Unless otherwise expressly authorized in these Terms or in the Bridge Platform, you agree not to use, display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer, or upload for any commercial purposes the Bridge Platform, our Services or any part of our Services, including use of or access to the Bridge Platform or our Services, or those of third parties.

9. Users and customers by their use of the Bridge Platform validate that they will not use the Bridge Platform as part of any scheme to violate federal, state, or other laws and regulations including those around financial transactions.

10. The Company retains full, irrevocable, royalty-free, worldwide, sub-licensable, and perpetual intellectual property rights around any user generated content uploaded, shared, transmitted, or otherwise disseminated on the Bridge Platform or through other communications channels. The Company can store, use, reproduce, modify, and adapt such content and will retain full rights to any derivative works or compilations of such content. Users warrant by their actions that they have the necessary rights to grant such licenses to the Company. The Company can further delete such content at any time and for any reason.

11. The Company is the owner and/or authorized user of all text, images, data representations, animation, music, sounds, and all other materials on the Bridge Platform. Users may not copy, reproduce, republish, disseminate, exploit, distribute, or otherwise incorporate any material found on the Bridge Platform or in the Company’s communications. Said materials are protected by U.S. and international copyright and treaty provisions without limitation as copyrights, trademarks, service marks, logos, and other intellectual property.

12. Earn Rewards Program – We may offer users the opportunity to participate in a rewards program (“Earn Program”) that allows users to earn Bridge Coins (“Coins”) which can be redeemed for gift cards or for USD deposited directly into their Bridge Account or connected external bank account, depending on the user’s Bridge Plan Type (Section 13). Users may earn Coins several different ways, including but not limited to logging into the Bridge App each day, making purchases with their connected external bank account and completing in-app events (“Earn Opportunities”). One (1) Earn Opportunity is referring other individuals to the Bridge App (“Referral Program”). Eligibility requirements and Coin awards associated with the Referral Program are found in the user’s Bridge App and are subject to change at any time. Once Coins are earned, a user must claim their Coins in the Bridge App within seven (7) days of an Earn Opportunity. Once claimed, Coins will be displayed in the user’s Coin balance (“Claimed Coins”). Claimed Coins in a user’s Coin balance can be redeemed for USD at a valuation of 1 coin = $0.01 (“Redemption Rate”). The minimum number of Coins required to be redeemable for USD is subject to change and will be communicated to users within the Bridge App. Coins do not hold any monetary value outside the Bridge Platform unless or until those Coins are claimed and redeemed. Additionally, Coins are non-transferrable to other non-Bridge platforms. Coins terminate and access to the Earn Program is revoked if a user terminates their relationship with Bridge, voluntarily or involuntarily. We may add to, terminate, and/or change the Earn Program at any time with or without notice to you. Users shall have no property rights or legal interest in Coins at any point. Users are responsible for determining any tax liability arising from their participation in the Earn Program and should consult a tax advisor concerning any related tax consequences. This program and any other reward programs offered in connection are the sole responsibility of Bridge and its service providers.

13. Membership Plan Types – There are two (2) types of Bridge membership plan types (“Bridge Plan Types”) available to members: “Earn Plan” and “Earn Plus Plan.”

13.1 The Earn Plan costs $0/month and grants the member access to the Earn Program. Bridge partners with third party technology companies to allow users the ability to easily connect external deposit accounts and debit cards held at other institutions outside of Bridge (together, “External Account”). Earn Plan members may be asked to connect at least one (1) external bank account, which ensures the member has the ability to earn Coins on settled purchases made via their connected External Account(s). Subject to availability, they may also "cash out" Coins from their Coin balance to their connected External Account(s) in the form of USD at the current Redemption Rate. The amount of time it takes for cashed out Coins to be deposited into an Earn Plan member’s External Account is subject to that External Account’s terms and conditions. Earn Plan members should refer to their app for the latest information regarding available cash out options.

13.2 The Earn Plus Plan costs $1-$5/week and members get to choose how much to pay. Users may be issued or offered discounted pricing for the Earn Plus Plan at any time, solely decided by Bridge (“Earn Plus Membership Fee”). Bridge will notify a Earn Plus Plan member at least thirty (30) days prior to the expiration of any applicable discounted pricing. The Earn Plus Plan grants the user access to the Earn Program, which may or may not include enhanced or additional Earn Opportunities and other potential benefits and features as determined solely by Bridge. Enhanced and/or additional Earn Opportunities available to Earn Plus Plan members are communicated to users throughout the Bridge Platform, including but not limited to the Bridge website, the Bridge App, member Help Center Articles and Bridge email communications to members.

13.2.1 Members who select the Earn Plus Plan will be encouraged to connect an external funding source to their Bridge App and are subject to the following payment collection structure:

- $1/week (if selected, must be paid yearly - so, $52 would be taken immediately; followed by another payment taken exactly one year later at 7am CT, and so on..)

- $2/week - paid weekly - take subsequent payments at 7am CT

- $3/week - paid weekly - take subsequent payments at 7am CT

- $4/week - paid weekly - take subsequent payments at 7am CT

- $5/week - paid weekly - take subsequent payments at 7am CT

If the Weekly Earn Plus Plan Membership Fee cannot be paid, the member will be immediately downgraded to the Earn Plan. Any Coins in the member’s Coin balance will be available to them on their Earn Plan.

13.2.2 An Earn Plus Plan member who has not missed a payment but wishes to downgrade their Earn Plus Plan to the Earn Plan may do so at any time and will be given the opportunity to re-upgrade to Earn Plus Plan at a later date if they please.

14. Rent Rewards – The Bridge Platform offers you the opportunity to earn Coins for your housing payments each month (“Rent Rewards”).

14.1 Eligibility & Access: Members who make a monthly rental payment or monthly mortgage payment (“housing payment”) may earn Rent Rewards, provided that the account from which the housing payment’s funds are pulled is linked to the member’s Bridge App and provided that Bridge can identify the housing payment (together, “Rent Rewards Eligibility Criteria”). Additional eligibility criteria may be added by Bridge at any time. Access to the Rent Rewards feature will be decided solely by Bridge and may be communicated by Bridge to its members via email, in-app banners, or by other forms of electronic communication that a member has opted in to. Eligibility requirements and access are subject to change at Bridge’s sole discretion. Bridge may restrict or remove a member’s access to Rent Rewards at any time for any reason. Bridge may terminate the Rent Rewards program at any time for any reason.

14.2 Program details: Each new month, members who meet the Rent Rewards Eligibility Criteria (“eligible members”) may be asked to complete one or a series of actions (“monthly Rent Reward activities”) to earn their monthly Rent Reward. Monthly Rent Reward activities are subject to change over time. Members who complete their monthly Rent Reward activities will be issued Coins on the 1st of the following month. Eligible members will be able to claim their Coins forty-five (45) calendar days after they have been issued. See your Bridge app for more details.

14.3 Rent Reward Calculation: Bridge determines the amount of each eligible member’s Rent Reward based on the amount of their respective housing payment. Bridge may or may not, without warning, adjust an eligible member’s Rent Reward at any time.

14.4 Considerations: Members may be asked to provide additional documentation for either identity verification purposes or to submit proof of their housing payment. The Rent Rewards rate and method of calculation is subject to change at any time. If for any reason a member would like to opt out of the Rent Rewards program, link a different external account, or notify Bridge of a change in housing payment status or amount, the member can send an email to help@bridgemoney.co for further assistance.

15. Digital Gift Cards: In addition to redeeming your available coin balance for gift cards, the Bridge App allows you to purchase Bridge App-exclusive gift cards issued by Merchants in electronic form (collectively, “Gift Cards”) and to use these Gift Cards to purchase goods or services from third party merchants available on the Bridge App (“Merchants”). In addition to the other terms in these Terms of Use, the following terms apply to your purchase and/or use of Gift Cards:

15.1 General Terms:

15.1.1 The Company is not responsible for any loss or damage resulting from the use or loss of any such Gift Card. PURCHASES OF GIFT CARDS ARE FINAL AND NON-REFUNDABLE. We do not guarantee any associated savings or earnings you may receive in conjunction with Gift Cards. The Company is not related to any of the Merchants whose Gift Cards appear on the Bridge App and is not responsible for any loss or damage whatsoever related to or resulting from any such Merchants.

15.1.2 Your Gift Card purchase is non-transferrable, cannot be resold, cannot be offered for resale, and cannot be redeemed for cash, except where required by law.

15.1.3 The Company is never responsible for the loss of any Gift Card balance transferred from a Gift Card not purchased on the Bridge App or otherwise from the Company, whether in the event of a Gift Card being closed by a Merchant or otherwise.

15.1.4 Gift Cards may be subject to various other terms and conditions related to a particular Merchant or Gift Card (collectively, “Third Party Terms”), including, without limitation, use limitations as to use of the Gift Card, terms regarding combination with other offers, redemption and voucher use rules, and whether a Gift Card can be used online, in store or both. All Third Party are generally presented with the Gift Card on the Company and you agree specifically to have read and accepted all Third Party Terms when you agree to purchase the Gift Card in question on the Bridge App. You must abide by all Third Party Terms when purchasing and/or using any Gift Cards.

15.1.5 If you have a dispute with a Merchant or otherwise related to any Gift Card, you agree that we are under no obligation to become involved. You hereby release the Company, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or any Merchant and/or any Gift Card (each, a “Merchant Dispute”).  In addition to any other indemnification obligations you may have pursuant to other sections of these Terms of Use, you agree to defend, indemnify and hold Company harmless from and against all claims, damages and expenses (including reasonable attorney’s fees) against or incurred by Company arising out of any Merchant Dispute.

15.1.6 You must abide by all applicable laws, rules and regulations when purchasing and/or using any Gift Cards. The Company reserves the right to suspend or terminate your membership and/or any Gift Cards at any time and for any reason whatsoever, including, without limitation, violation of these terms or the Terms of Use, failure to maintain accurate account or payment information, submission of fraudulent payments and/or obtaining or attempting to obtain any improper refund.

15.2 Payment Terms:

15.2.1 The Bridge App allows you to purchase Gift Cards using Apple or Google Pay.

15.2.2 Certain payment processing services for the Company are provided by our vendors such as Braintree, and are subject to the vendor's terms and conditions. By agreeing to these Terms of Use or making a purchase transaction, you further agree to be bound by the Braintree Payment Services Agreement, as the same may be modified by Braintree from time to time. As a condition of us enabling payment processing services through Braintree, you agree to provide us accurate and complete information about you, and if applicable, your business. You further authorize us to share all such information, including all transaction information, related to your use of the payment processing services provided by Braintree.

15.3 Improper Refunds Terms:

15.3.1 In the event the Company determines, in its sole discretion, that you have mistakenly, improperly or fraudulently sought and received a refund for a Gift Card purchased on the Bridge App, you authorize the Company to charge your payment method on file with the Bridge App the full amount of any such improper refund(s) requested by you.

16. The Company is not responsible for the privacy, security, or information policies of third-party links from or on the Bridge Platform. Clicking on said links may take the user to other sites or display information from third parties. The Company is not responsible for the content, privacy policies, terms of use, or any other factor of such third parties. It assumes neither liability nor responsibility for their actions, information, or communication. Such products, services, or content are provided without endorsement or warranty of any kind. User accepts sole responsibility for accessing such links.

17. To use the automated bank account feeds (“Account Aggregation Services”) in connection with opening your account, you must provide true, accurate, current and complete information about yourself. You license the Content to the Bridge Platform and its service providers to access, use and store the Content. You may revoke this license at any time by emailing help@bridgemoney.co. For all purposes hereof, you grant the Bridge Platform and its services providers a limited power of attorney, and you hereby appoint the Bridge Platform and its service providers as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, access third-party internet sites, servers or documents, retrieve information, and use your information exclusively for the purposes of delivering the Bridge Platform and banking services to you.

18. You agree to release, indemnify, and hold us, our third party product providers, our and their affiliates, officers, employees, directors, and agents harmless from any and all losses, damages, fines, penalties, fees, costs and expenses, including reasonable attorneys’ fees, claims, actions of any kind, and injury (including death) arising out of or relating to your use of the Bridge Platform, our Services, any Content, your connection to our Services, your violation of these Terms, or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.

19. YOUR USE OF THE BRIDGE PLATFORM IS AT YOUR SOLE RISK. THE BRIDGE PLATFORM AND OUR SERVICES PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE BRIDGE PLATFORM OR OUR SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE BRIDGE PLATFORM OR OUR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE BRIDGE PLATFORM OR OUR SERVICES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE BRIDGE PLATFORM OR OUR SERVICES WILL MEET YOUR EXPECTATIONS.

20. YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE COMPANY AND ANY THIRD PARTY PRODUCT PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, INCLUDING DAMAGES FOR LOSS OF GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, RESULTING FROM: (a) THE USE OR THE INABILITY TO USE THE BRIDGE PLATFORM OR OUR SERVICES; (b) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE BRIDGE PLATFORM OR OUR SERVICES; (c) UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR TRANSMISSIONS OR DATA; (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE BRIDGE PLATFORM OR OUR SERVICES; OR (e) ANY OTHER MATTER RELATING TO THE BRIDGE PLATFORM OR OUR SERVICES. IN NO EVENT WILL THE COMPANY’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID THE COMPANY IN THE LAST SIX (6) MONTHS OR, IF GREATER, $100. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE BRIDGE PLATFORM OR OUR SERVICES OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE BRIDGE PLATFORM OR OUR SERVICES.

21. You may be entitled to additional rights and protections under state law. If you are a resident of California, Massachusetts, New Jersey, or Ohio, review the additional rights that may be available to you.

22. The Company is always interested in resolving disputes amicably and efficiently, and most user concerns can be resolved quickly and to the user’s satisfaction by emailing customer support at help@bridgemoney.co. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Company should be sent to Bridge Money, Inc., 917 W Washington Blvd #264, Chicago, IL 60607. (“Notice Address”).

23. If you have questions regarding these Terms of Use or to report any violations of these Terms of Service, please contact us at help@bridgemoney.co or by mail at Bridge Money, Inc., 917 W Washington Blvd #264, Chicago, IL 60607.