Thank you for choosing Self Financial, Inc. We provide a financial technology platform and service (the “Platform”) designed to help you build credit and savings. Services and products available through the platform (the “Services”) include:

• Credit score monitoring for active, registered Self Account holders

• Self Credit Builder Accounts (“Credit Builder Accounts” or “CBAs”)

• Self VISA® Credit Cards (“Self Credit Cards”)

• Rent, utility and bill payment reporting services, whereby your rent, utility and selected other bill payments can be reported to the major credit bureaus (the “Rent & Bill Payment Reporting Services”)

• Offers of third-party financial services and products (the “Marketplace Services”).

The Credit Builder Accounts and Self Credit Cards are provided by Self jointly with the third-party financial institutions that issue them (the “Issuing Banks”). Such Services are sometimes referred to herein as the “Bank Services.” Services provided exclusively by Self or its affiliates, such as the Rent & Bill Payment Reporting Services, are sometimes referred to herein as the “Self Services.”

Self Financial, Inc., along with any parent, subsidiary, affiliate, or related companies are referred to in these Terms of Service as simply “Self,” “us” or “we.”

Contents

Agreement to These Terms

Notice of Binding Arbitration and Class Action Waivers

Written Instructions for Consumer Reports and Scores

Privacy Policies and Consent to Collect and Use Data

Terms Related to the Services

Compliance and Legal Requirements

Additional Terms Regarding Credit Reporting Services

Additional Terms Related to Your Use of the Platform and Site

Additional Terms Related to Payments, Unauthorized Transactions, Processing Errors and Referrals

Additional Legal Terms Related to the Services and This Agreement

Agreement to These Terms

By your online agreement when you register with Self, and when you use the Platform, you agree to these Terms of Service. Agreeing to these Terms of Service is a requirement to use the Platform and be eligible for any of our Services (as defined below). By using the Platform, you are instructing us to share your data across our Platform to provide you the related services, determine your eligibility for specific offerings, market those offerings to you, and for other purposes consistent with applicable law, as described in our Privacy Policies. This data may include credit information and other information we obtain from third parties.

To access and/or use the Platform, you acknowledge and agree:

• To all of the terms and conditions set forth in these Terms of Service (the “Terms of Service,” the “Terms,” or the “Agreement”), which includes the Self Online Privacy Policy (the “Privacy Policy”) and Gramm-Leach-Bliley Privacy Notice (the “Privacy Notice” and, together with the Privacy Policy, the “Privacy Policies”);

• You are at least 18 years of age;

• You are capable of forming a binding contract with Self;

• You reside in the United States and in the state and at the address you have or will provide to us;

• You are not prohibited from using the Platform or the Services under the laws of the United States or any other jurisdiction; and

NOTICE OF BINDING ARBITRATION & CLASS ACTION WAIVER

IMPORTANT - PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION AND CONTAINS A WAIVER OF ALL CLASS ACTION AND REPRESENTATIVE CLAIMS.

Written Instructions for Consumer Reports and Scores

• You understand that you are providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Self and/or its affiliated companies to request and receive copies of consumer reports, credit scores and other information about you from third parties, including, but not limited to, TransUnion, Equifax and Experian. You understand that your instructions let Self and affiliated companies obtain such information at any time for as long as you have a registered Self or affiliated company account to use as described in these Terms and the Privacy Policies.

• If you elect to participate in Rent & Bill Payment Reporting Services, you understand that you are providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Self and/or its affiliated companies to furnish data regarding your rent and/or utility payments to the major credit bureaus who accept such data.

Additional provisions regarding credit reporting services and your written instructions related thereto are set forth below under “Terms Related to Rent & Bill Payment Reporting Services” and “Additional Terms Regarding Credit Reporting Services.”

Privacy Policies and Consent to Collect and Use Data

• The information you provide to Self, including your personal information, is subject to the terms of the Privacy Policies. By entering into these Terms, you represent that you have read, understood and accepted the Self Privacy Policy and Privacy Notice.

• You also acknowledge that Self is an integrated financial technology platform offering a variety of proprietary and third-party services. By using the Platform or Services, you consent and agree that Self has the right to collect and use the data about you, whether provided by you, or provided by or for a third party (including a financial institution) whose services were on the Platform.

Terms Related to the Services

The Platform and Services are provided through our website currently located at https://www.self.inc (the “Site,” which includes the mobile version of the Site accessible through the Self mobile application (the “App”). The Site and App each provide access to the Platform, and to the Services.

To use the Site, you must use a compatible device and comply with any applicable third-party terms, including the terms of any app platform provider. With respect to any Platform software you download or access, you only have a limited license to use such software in the manner permitted by these Terms.

Upon accessing the Site, you will be asked to create a Self account (an “Account”) if you have not already created one. Creation of an Account will require you to provide certain information as described below under “Compliance and Legal Requirements.” If you already have an Account, you must log-in using your password and any other required authentication to use the Services.

We are always working on new ways to improve our Services. We reserve the right to modify or change our Services, temporarily or permanently, with or without notice to you, and we are not obligated to support or update the Services except as provided under applicable law. You acknowledge and agree that we shall not be liable to you or any third party in the event that we exercise our right to modify, change or discontinue any Services.

In connection with the Services, we may need to contact you from time to time regarding matters related to your Account or otherwise. You agree that we may contact you by any means you have provided us, including email, telephone (including mobile telephone and, if you have elected to participate in one or more of our mobile messaging services, SMS), or physical mail, and that we can contact you outside of normal business hours notwithstanding any contrary provision of state law.

You may use the Platform and the Services for your personal and lawful use or as otherwise permitted under these Terms or any other agreement specific to one of the Services. You may not use the Services for any illegal, unlawful, malicious or improper activity, as we may determine in our sole discretion. We reserve the right to take preventive or corrective actions to protect ourselves and our customers from any such activity, including suspension or termination of access to the Platform, Services, and any Account.

We maintain the right to delete your Account or bar you access to the Services in our sole discretion, without notice and without liability.

Additional terms may govern your use of certain aspects of the Services, and your relationship with any Issuing Bank.

You are responsible for all activities that occur under your Account or password. It is your responsibility to maintain the confidentiality of your password, and to restrict access to your computer, mobile device, or other device used to access the Platform so that no one else can access the password-protected portion of the Platform or Services using your name or Account information in whole or in part.

The Services are not intended to provide any credit repair, legal, tax or financial advice. We cannot guarantee any improvement in credit scores. Self is not a credit bureau and does not have direct influence over any aspect of credit, credit profiles, or how credit scores are calculated. The credit bureaus control how any data furnished to them is used, and the impact of your use of any of the Services on your consumer reports or credit scores will depend on a variety of factors beyond the data we furnish regarding or through your use of the Services, including other aspects of your personal finances.

Terms Related to Bank Services

We provide Bank Services, including Credit Builder Accounts and Self Credit Cards, through multiple Issuing Banks. If you apply for any Bank Services through the Platform and Site, we will provide your Account information to the relevant Issuing Bank(s), and, if your application is accepted, that information will be used to establish the separate accounts maintained for each such Bank Service with each such Issuing Bank. You will also be required to enter into additional agreements with the relevant Issuing Bank and Self for each of the Bank Services, including without limitation a loan agreement and promissory note in connection with the Credit Builder Account and a cardholder agreement in connection with the Self Credit Card.

Terms Related to Rent & Bill Payment Reporting Services

We provide means for certain of your bill payments to be reported to the major credit bureaus who accept such data from Self or its affiliates.

If you rent a residential property and you and the property meet all the applicable qualifications for the program, Self will provide you with the ability to have your rent payments reported to the major credit bureaus who accept such data from Self or its affiliates using our Rent & Bill Payment Reporting Services. The rent reporting Services may include lease and rent verification services. We also provide eligible consumers the ability to have their utility payments, and in some cases selected other bill payments, reported to the major credit bureaus who accept such data from Self or its affiliates. Please check the Site for a current listing of what rent, utility and other bill payment reporting services are available at any given time.

Each credit bureau has unique approaches to and requirements for rental & bill payment data furnishing and reporting, and those approaches and requirements change from time to time. You understand and acknowledge that, while the Rent & Bill Payment Reporting Services are designed to ensure that your rent, utility and/or other bill payments are reported to the major credit bureaus that accept such data, Self cannot ensure that such data will be accepted, and Self has no control over how such reporting, when accepted, is used and reported by the credit bureaus, nor how such data is used by users of the credit bureau reporting services. For example, there is no guarantee that data regarding rent payments that is reported to the credit bureaus who accept such data will be used or accepted by mortgage lenders or other lenders in their lending decisions and underwriting. Standards and requirements may vary among the credit bureaus regarding whether negative payment data will be accepted as well as positive payment data, and our ability to provide the Rent & Bill Payment Reporting Services may be limited by our ability to obtain and verify all such data in accordance with the requirements of the credit bureaus.

While Self takes all commercially reasonable steps to report data correctly to the credit bureaus according to their methods and recommendations, Self cannot guarantee the accuracy of the data on your credit report.

You understand that it may take up to two months for rental payment data to appear on credit bureau records. Please see the terms below under “How to Dispute Credit Reporting Information” for information about how to dispute any information provided through the Rent & Bill Payment Reporting Services.

You acknowledge that the Rent & Bill Payment Reporting Services do not include any extension of credit, but merely reporting on rent and/or utility payments. The data displayed by Self regarding rental history is only a representation of your tradeline, and not actual data from the credit bureaus. You should review your credit profile at each bureau in order to verify the accuracy of the rent reporting.

Self’s Financial Relationships with Marketplace Services Providers and Third Party Advertisers

While some of the third-party offerings and services promoted through the Platform and Site may be from non-profit organizations, Self has financial relationships with most of the providers of Marketplace Services and other third-party financial products and services advertised, offered or mentioned through the Platform, on or via the Site, or in connection with the Services, and Self may be compensated if you choose to apply for and/or ultimately acquire these third-party products and services.

The Rent & Bill Payment Reporting Services are in some instances made available to tenants through property management companies or their software and services providers, and we commonly have a financial relationship with such companies whereby they may be compensated by Self if you choose to apply for and/or ultimately acquire Rent & Bill Payment Reporting Services.

Licensed Services

Depending on the state in which you reside, certain of the Services may be provided by Self Credit LLC, a wholly-owned subsidiary of Self Financial, Inc., under license with the relevant authorities in that state. These may include loan brokering, loan servicing, collections, and credit services.

Customer Consent to Access Account Information

If you apply for and open a Credit Builder Account through the Platform, and later qualify and apply for a Self Credit Card, we may match you with a different Issuing Bank than the issuer of your Credit Builder Account. Similar situations may occur with other Bank Services we may offer in the future. In addition, we may use information you have provided us and we have been provided about you in connection with the Bank Services and the Self Services to match you with Marketplace Services we believe you may qualify for and be interested in. You consent to us using any account information related to any Bank Services you obtain through the Platform for any other of the Services, including Bank Services offered by other Issuing Banks and Marketplace Services.

The above includes your agreement that, if you apply for and receive a Self Credit Builder Account, you consent to us and any issuer of the Self Credit Card (the “Credit Card Issuer”) accessing and using (i) the account information related to your Credit Builder Account with the Issuing Bank, and (ii) the account information related to your certificate of deposit account with the Issuing Bank that secures the loan associated with your Credit Builder Account (collectively, the “Loan Accounts” and the “Account Information”), even though the Credit Card Issuer may be a different bank than the Issuing Bank of your Credit Builder Account. You acknowledge and agree that the Account Information that we and/or the Credit Card Issuer may access includes, without limitation, account history (such as payment dates and amounts, balance information, and transaction information); financial account information (such as account number, type, and status); and financial account holder information (such as the account holder’s name, address, phone number, and email address). We and/or Credit Card Issuer may request your Account Information from your Issuing Bank on a periodic basis until your consent is withdrawn.

Once we and/or the Issuing Bank or Credit Card Issuer have accessed your Account Information, we and/or the Issuing Bank or Credit Card Issuer may use your Account Information, and disclose the Account Information to third parties, to provide the Services and to market other goods or services to you.

To request deletion of any of your data, you may do so by either of the following means:

1. By following the relevant instructions as described on our Site,

2. By notifying Self in writing at 901 E 6th Street, Suite 400, Austin, TX 78702, and including your name, date of birth, and email address for your Self Account.

If you provided your email to Self through the Platform or on our Site but do not have a login and wish to request deletion, you may do so by either of the following means:

1. By sending an email to dataprivacy@self.inc from the email address you provided,

2. By notifying Self in writing at 901 E 6th Street, Suite 400, Austin, TX 78702, and including your name and provided email address.

Please note that removing the App (as described above) or any other Self mobile app from your device will not cancel your Account(s) or delete your data.

Compliance and Legal Requirements

Customer Identification Program

Federal law requires financial institutions such as Self, as well as the Issuing Banks and certain of the third-party service providers we work with in connection with the Services, to obtain, verify, and record information that identifies each person who opens an account. The information you provide us will be used to verify your identity for purposes of establishing the Self Account, and to provide the credit reporting services described below under “Credit Reporting Services.” If you decide to apply for a Credit Builder Account or Self Credit Card, we will provide the information you have provided us to the relevant Issuing Banks to verify your identity in connection with the opening of the accounts associated with such products, and we and/or the Issuing Banks may ask you for updated information. We may also provide the information you have provided us to CSIdentity Corporation, any other third-party service provider from whom we may obtain credit score data for your use, or any credit reporting agency, and each of their representatives and affiliates, in order to provide you the credit reporting services described below under “Credit Reporting Services.” In connection with the Marketplace Services, we may provide you the opportunity to provide your personal information directly to third-party providers of Marketplace Services, including by pre-populating forms you may select for your consideration and possible submission, and you are responsible for making the decision whether to submit such information to the relevant Marketplace Services provider.

Information You Will Need to Provide

When you open an account, we are required to collect information such as the following from you:

• Your name
• Date of birth
• Address
• Identification number

US Citizens: Social Security Number

Non-US Citizens: Documents adequate to verify your identity in accordance with applicable law and our and the Issuing Banks’ policies, which may include Taxpayer Identification Number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you.

You may also need to show your driver's license or other identifying documents.

Because we are establishing an account relationship with you remotely, we may ask you to provide additional information or use additional tools to help us verify your identity and documentation. You understand that if we cannot verify your identity to our satisfaction, in our sole discretion, we will not be able to establish an Account with you or provide you the Services.

If Your Identity Cannot Be Verified

We may not be able to open an Account for you. In the event we have accepted any funds from you in connection with an Account application or otherwise, you will be responsible for providing us a mailing address or other means acceptable to us whereby payment of any refund can be sent.

Additional Terms Regarding Credit Reporting Services

Terms Regarding Consumer Reports Provided to You

You understand that by accepting these Terms you are providing “written instructions” to all of the credit reporting agencies under the Fair Credit Reporting Act (“FCRA”), as amended, including Experian, TransUnion, Equifax and affiliated entities, and our third-party service provider, which may be CSIdentity Corporation, or another affiliate or reseller of any of such credit reporting agencies, and its employees, agents, subsidiaries, affiliates, contractors, third party data providers (each a “Consumer Report Provider”), to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. You agree and hereby authorize CSIdentity Corporation and any other Consumer Report Provider, and their respective agents, employees and affiliates, to provide your personally identifiable information to third parties as provided in our Privacy Policy and Privacy Notice, as may be amended from time to time. You waive any and all claims against CSIdentity Corporation and any other Consumer Report Provider, and their respective agents and employees for the acts and omissions of these third parties with regard to the use and disclosure of such information. You further authorize CSIdentity Corporation and any other Consumer Report Provider, and their respective agents and employees to obtain various information and reports about you in order to provide the services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.

The credit score and credit monitoring services provided through the Services are only available to customers who CSIdentity Corporation or any other Consumer Report Provider, as applicable, is able to validate. While enrolling for the Services, we will ask you for the information described under “Compliance and Legal Requirements'' above. We may also ask you for other information, including contact information such as your phone number and email address, and personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our Services, and to fulfill our obligations to provide our Services to you, including communicating with third parties as necessary to provide such Services, such as identity verification companies, consumer reporting agencies, credit bureaus, payment validation companies, law enforcement agencies, or others.

You agree that you will use the credit score and credit reporting services provided by CSIdentity Corporation or any other Consumer Report Provider, as applicable, as part of the Services to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities.

Terms Regarding Data Furnished About You to Consumer Reporting Agencies

Self, the relevant Issuing Bank or other data furnisher will report loan repayments or reportable rent, utility or other payments made by you to credit reporting agencies (“CRAs”), which in part is designed to assist parties in establishing a credit history. Such reporting will be subject to the guidelines promulgated by or for the CRAs for such reporting, and applicable law, including the Fair Credit Reporting Act.

Notwithstanding the above, you may dispute any entry on a credit report provided by Self to a CRA. Please see the section below regarding “Dispute of Credit Reporting Information by Customer.”

As noted above under “Terms Related to the Services” and “Terms Related to Rent & Bill Payment Reporting Services,” Self is not responsible for how any CRA may manage or use the information provided to it by Self or its Issuing Banks, and you agree to hold Self and its Issuing Banks harmless against any such claims, with all such provision and use of consumer report information being subject to the “Dispute of Credit Reporting Information by Customer” section of these Terms and the Fair Credit Reporting Act. For the terms that govern the collection, storage, management, use, modification, dissemination and distribution of such information by the CRAs, please contact the relevant CRAs or review their websites. Once the information is transmitted from Self or another data furnisher to the CRA, that CRA may obtain an ownership interest in that data.

Potential Effect of Delinquency of Credit Reporting

Once payment by a customer for a particular loan repayment or reportable rent, utility or other payment has been reported to a CRA, the delinquency of a payment may negatively impact a customer’s credit history. Self and its Issuing Banks shall not be liable for any claims, charges, demands, damages or adverse impacts related to a customer’s credit score or credit history and attributed to Self’s or an Issuing Bank’s compliance with its data furnishing obligations under applicable law and the guidelines of the CRAs, including due to a customer’s failure to make timely payments related to any CBA or Self Credit Card, closure of a Self Account, other default, or failure to timely pay any rent, utility or other bill payment subject to payment reporting services for which such customer has subscribed.

How to Dispute Credit Reporting Information

Notice of Dispute

You may dispute an entry on your credit report derived from information provided by Self (on its own behalf or on behalf of an Issuing Bank) to a credit reporting agency online through each of the relevant CRAs or by notifying Self either by mail or by other means available to you. Additional information about credit reporting disputes may be available through your Account Portal.

Additional Terms Related to Your Use of the Platform and Site

Customer Content and Data Feedback

You may have the opportunity to provide feedback, comments, suggestions, and ideas concerning use of, or suggested improvements or enhancements to, the Platform and/or Services, including ideas or inventions collected by Self (collectively, “Feedback”). Feedback may also include your responses to surveys or other information voluntarily provided by you to Self. You agree that Feedback (i) may contain your original ideas or inventions and is provided by you to Self unsolicited and without payment, conditions or restrictions; (ii) once conveyed to Self, becomes the property (including all intellectual property rights) and confidential information of Self; and (iii) may be used or distributed by Self for any purpose in connection with the Services or development of any other product or services, including disclosure of such information to affiliates, subsidiaries or third-party developers and publishers. Self shall have no duties or obligations with respect to Feedback provided by you.

Testimonials

We may make available to you, as a direct part of the Services or through third party tools, the ability to provide reviews, commentary and testimonials regarding the Services (“Testimonials”). To the extent you elect to provide Testimonials, you hereby grant Self and its successors, assigns, affiliates, distributors, issuing banks and licensees the unlimited and irrevocable right to use and record your likeness, name and/or voice, biography, testimonial(s), statement(s), interview(s) and performance(s) (collectively, “Likeness”) in any video, audio, text or other medium; to edit such Likeness at our discretion; and to use, distribute, and incorporate the same in connection with or as part of Self’s marketing and advertising activities and/or any other lawful use desired by Self (the “Project”), throughout the world, in perpetuity. You also agree that Self may (and may license others to) reproduce, distribute, publicly perform, display, modify, translate, and otherwise use, without payment to you of any kind, your Likeness in and in connection with the production, distribution, exhibition and exploitation of the Project, its businesses and products and services, and all associated advertising and publicity. You hereby acknowledge that you have no right, title or interest of any kind or nature whatsoever in or to the Project, and that Self shall be the sole and exclusive owner of the Project and all of the proceeds.

Optional Authentication and Security Features

Self may make available to you various optional authentication and security services via the Site. Examples include ID or driver’s license scans, online ID verification tools, biometric identification methods such as face or fingerprint recognition, and geolocation. Such services may be subject to additional terms and conditions that will be presented for your review and agreement upon your election to use such services. Such services may be provided by third parties, including third parties contracted by Self and provided through the Platform, and third parties such as device providers with whom you may have a direct consumer relationship. You agree that Self and its third party service providers shall not be liable to you for any claims based on their provision of such services and use of the data and information provided thereby in accordance with applicable law, these Terms and any supplemental terms applicable to such services.

Customer Permission for Text Messaging/Alerts, Push Notifications and E- Mail

You grant Self your express written consent to receive autodialed and prerecorded message calls, text messages or push notification alerts from Self, or third-party service providers acting on Self’s behalf, at any mobile telephone number you provide to Self, regardless of your registration of your mobile device number on any state or federal “do not call” registry. Your express written permission applies to messages and alerts regarding the Services. By providing your email address to Self, you agree that Self or third-party service providers acting on Self’s behalf, may e-mail Account registration information, Services use information with regard to the Services, customer service, in the case of fraud/suspected fraud inquiries, consumer dispute resolution, collections, or any other action related to providing the Services to you regardless of your registration of your email address on any state or federal “do not email” registry. With regard to any text messages, alerts or email relating to the Services, Self will not include any access codes or similar non-public personal information in such messages. Text messaging or SMS alerts will be subject to the terms of Self’s Mobile Terms of Service for Products and Mobile Terms of Service for Promotions, as applicable.

Site Monitoring

Self has no obligation to monitor the Site, but you acknowledge and agree that we have the right to monitor the Site and your use thereof, electronically or otherwise, from time to time, and to disclose or report any information as we may in our sole discretion deem necessary or appropriate to comply with applicable law, regulation or governmental request, to prevent fraud and abuse, operate the Site and Platform, provide the Services, and protect users, ourselves, the Issuing Banks or other third party providers of any component of the Services.

Use and Restrictions of Content and Materials

All text, videos, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, artwork, algorithms, functionalities, features and computer code, including but not limited to design, structure, “look and feel” and arrangement of the content available on the Platform and Site (collectively, “Content”) is owned, controlled or licensed by or to us or our Issuing Banks, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. The Content and Site are operated and maintained by Self and its Affiliates, and/or their licensors and suppliers (collectively, “Licensors and Suppliers”). Except as expressly provided in these Terms, no part of the Platform, Site or Content may be copied, reproduced, republished, posted, publicly displayed, translated, or distributed in any way. Subject to the limited rights to use the Platform, Site and Services pursuant to these Terms, we retain all right, title and interest in and to the Platform, Site, Content and Services, including all related intellectual property contained therein.

Certain features of the Services may allow you to upload, post, publish, share, store, or manage data or visual content (“Materials”). By posting or publishing Materials, you represent and warrant to us that you have all necessary rights to distribute, post and publish such Materials to and with us, either because you are the author or because you have the appropriate distribution rights, licenses, consents, and/or written permissions to use such Materials from the copyright or other owner. You hereby grant us and our authorized personnel a worldwide, royalty-free, fully-paid, exclusive, transferable, sublicensable license to use, copy, perform, display, publish, distribute and create derivative works of such Materials as we deem appropriate to perform the Services and in accordance with these Terms. You acknowledge and agree that we will own all right, title, and interest in and to any Materials, content, or other works of authorship created by us or on our behalf and used in connection with the Services. All Materials are the sole responsibility of the person who originated such Materials, whether publicly posted or privately transmitted. Any use or reliance on any Content or Materials of other customers posted via the Services or obtained by you through the Services is at your own risk. You understand that by using the Services, you may be exposed to Materials that might be offensive, harmful, inaccurate or otherwise inappropriate. We do not endorse, support, represent or guarantee the completeness, truthfulness, accuracy, or reliability of any Content or Materials posted via the Services or endorse any opinions expressed via the Services. You acknowledge that we may enhance, supplement, modify, or remove Content on the Site at any time for any reason without notice to you, but we shall have no duty to update such Content.

We will not provide tax or legal advice with respect to your Account and you agree that none of the Content provided through the Site is intended as, and shall not be deemed to be, tax or legal advice.

Links to Other Sites

In addition to links to the Marketplace Services, the Site may contain links to other independent third-party web sites, and we may provide links to third-party websites as part of the Services (in all cases “Linked Sites”). Such Linked Sites are not under our control, and we are not responsible for the content of such Linked Sites, including any products, information or materials contained on such Linked Sites. It is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of the content of these Linked Sites, and any terms and conditions, privacy policies and other provisions that apply to and govern access and use of such sites and any products or services provided through such sites.

Trademarks

Self (including the Self logo), Self.inc and all other and related logos and associated goodwill of Self used and exhibited on or in connection with the Services (collectively, the “Self Trademarks”) are trademarks or service marks of Self. Other company, product, and service names and logos used and exhibited on or in connection with the Services may be trademarks or service marks owned by others. Nothing in the Services should be interpreted as allowing, by association, estoppel, or otherwise, any license or right to use any of the Self Trademarks displayed on the Services without our prior written permission in each case. You may not use, copy, display, distribute, modify or reproduce any of the Self Trademarks found on the Services unless following written permission by us. We forbid use of any of the Self Trademarks as part of a link to or from any site unless such a link is approved, prior, in writing by us. Any questions concerning any Self Trademarks, or whether any mark or logo is a Self Trademark, should be referred to Self via legal@self.inc.

Copyright Complaints

DMCA. You may not use the Site for any use or in any aspect that violates the rights of any third party. In accordance with the Digital Millennium Copyright Act of 1998 (the “DMCA”) (text at http://www.copyright.gov), Self follows the notice and take down procedures of the DMCA. We have a policy of deleting the accounts of customers who (to our knowledge) are repeat violators.

Procedure. If you believe that any material on the Site encroaches your copyrights, notifications of claimed copyright violation should be sent to Self as set forth below.

Self Financial, Inc. c/o Legal Department 901 E. 6th Street, Suite 400 Austin, TX 78702 Email address: legal@self.inc

To be processed, all notices must comply with the requirements of the DMCA as set forth at 17 U.S.C. § 512(c)(3).

It can be difficult to assess whether your intellectual property rights have been infringed. We may request additional information before we delete any violating material. If a dispute develops as to the correct owner of the rights in question, we reserve the right to remove your content along with that of the alleged infringer pending resolution of the matter.

Payments

Each of the Services has its own requirements regarding payments for such Services. Please log into your Account through the Site or App (“Account Portal”) or contact our customer success team for available means to make a payment related to your Account(s). In most instances, we provide means for you to pay by ACH, debit and cash payments.

Some of the Rent & Bill Payment Reporting Services may only be available for a fee. You will only be charged for fee-based services after we obtain your consent to pay such fees. We reserve the right to change fees for access to the Rent & Bill Payment Reporting Services, or to change what features are available at different fee levels, at any time. You shall pay all fees incurred through your use of the Rent & Bill Payment Reporting Services at the rates in effect for the billing period in which such Services are delivered.

If you elect to participate in the Rent & Bill Payment Reporting Services, you agree to pay the fees associated with such Services. Fees are charged monthly and payment is due upon receipt. If your credit or debit card is declined, you may be notified to change the payment source, and we reserve the right to attempt to re-authorize your payment as permitted under the applicable card network rules and other applicable law. Any fees not paid for one month will result in a delinquent subscription, and Self may cease further reporting under the Rent & Bill Payment Reporting Services until any past-due fees are collected. After three months of delinquent payments for the Rent & Bill Payment Reporting Services, Self reserves the right to close or delete any associated tradeline from the delinquent customer’s credit report(s).

Unauthorized Transactions

If you believe there has been an unauthorized and/or erroneous transaction involving your Self Account and/or the registered bank account on file, please consult your Account Portal for the means whereby to notify us.

Self Processing Errors

Self will take the appropriate actions needed to rectify any processing error that we discover or that is brought to our attention. If the error resulted in you receiving less than the correct amount to which you were entitled, Self will credit your account for the difference. If the error resulted in you receiving more than the correct amount to which you were entitled, Self will debit the extra funds from your registered account.

Self reserves the right to waive its liability for processing errors if it is determined that (a) our system was not working properly and you knew about the breakdown when you started the transaction, (b) circumstances beyond our control (such as fire, flood or loss of Internet connection) prevented the transaction, despite our reasonable precautions, (c) notification was not given to Self in a timely fashion as set forth above, or (d) such liability is expressly excluded by applicable law, another provision of these Terms, or any other agreement between you and Self or an Issuing Bank.

Self Referral Program Guidelines

The Self “refer a friend” program is intended to be a way for you to invite people in your network to enjoy the benefits of a Self Account, and be rewarded for your referrals. Whenever and wherever you refer Self under the Program, any statements you make about Self must be:

• Truthful and accurate
• Reflect your honest beliefs, and
• Be free of misleading statements

When referencing Self, you may only use the language and links provided to you in your Account Portal. Any modification or efforts to modify the delivery and accurate presentation of the referral link, content, or other materials and instructions provided by Self will be considered a violation of these terms. You may not take out ads on behalf of Self, or use the Self logo or likeness without written approval from Self.

Violations and Bonuses

Any violation or abuse of this program may result in the forfeiture or reversal of a referral bonus. You may also be deemed to be ineligible for future referral bonuses.

Self reserves the right to limit, cancel, or revoke referral bonuses at its sole discretion.

Term and Termination

These Terms will be effective and in force until terminated by you or Self as set forth below.

We may terminate your Account(s) and associated privileges immediately if you fail to comply with these Terms or any applicable agreement entered into by you in connection with any specific product or service available as part of the Services. Self also has the right to terminate your participation or suspend your access to the Platform and Services at any time, in Self’s absolute discretion, without cause.

If you want to terminate these Terms, your Account(s) and your relationship with Self, you may do so by any of the following means:

• 1) By following the relevant instructions through this online customer support center,
• 2) By calling 877-883-0999 and following the relevant prompts and instructions, or
• 3) By notifying Self in writing at 901 E 6th Street, Suite 400, Austin, TX 78702, and including your name, date of birth, and email address for your Self Account.

Additionally, you can terminate your Account(s) and your relationship with Self by logging into your Self Account Portal and following the relevant instructions.

Please note that if you have more than one account with Self, i.e., for a Credit Builder Account, Secured Credit Card, or Rent & Bill Payment Reporting Services, you may need to separately close each such account in order to fully terminate these Terms, your Account and your relationship with Self. Please also note that removing the App (as defined below) or any other Self mobile app from your device may not cancel your Account or delete your data.

Some parts of these Terms will survive and continue to apply after termination. These include the sections titled “Privacy Policies and Consent to Collect and Use Data,” “Content and Materials,” “Payments,” “Warranty Disclaimer,” “Limitation of Liability,” “Indemnification,” “Waiver of Jury Trial and Arbitration Agreement,” “Interpretation,” and “Entire Agreement,” and this Section regarding Termination shall survive any termination or expiration of these Terms.

Amendments

We may make changes to the Platform and related services at any time at our discretion.

We may amend these Terms at any time in our discretion by posting revised terms on the Site (as defined below). In the event of any such amendment that we consider to be material, we will provide notice to you through your Self Account Portal and/or by email. No amendment, modification or waiver of these Terms will be binding against us unless in writing and signed by our duly authorized representative.

Representations and Warranties

You represent and warrant to Self that (a) all information, including, without limitation, personal information, that you provide to us is accurate and truthful, and you will update such information with Self as soon as it changes, (b) you have the authority to share personal information with us and to grant us the right to use personal information as provided in these Terms and Privacy Policy and Privacy Notice, (c) you have the right to grant us the licenses specified in the section titled “Content and Materials” above, if applicable, (d) your acceptance and use of the Services pursuant to these Terms does not violate any applicable law or other contract or obligation to which you are a party or are otherwise bound, (e) you will not use the Services in connection with any fraudulent or illegal activity or in any manner which interferes with the operations of the Services, (f) the account with your mobile service provider for the mobile device on which you are using the Services, including the App, is current and in good standing, (g) you are at least 18 years of age and have the right, power, and authority to enter into these Terms, and (h) the Materials do not infringe the intellectual property rights, including any copyrights, trademarks, trade secrets, right of privacy, or right of publicity, of any person.

Warranty Disclaimer

THE PLATFORM, SITE AND SERVICES AND ANY CONTENT OR INFORMATION MADE AVAILABLE THEREIN ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. SELF, SELF’S THIRD-PARTY SERVICE PROVIDERS, INCLUDING CSIDENTITY CORPORATION, AND ITS OR THEIR DATA PROVIDERS AND OTHER THIRD-PARTY SERVICE PROVIDERS, MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE PLATFORM, SITE OR SERVICES, AND DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES WITH RESPECT THERETO. WITHOUT LIMITING THE FOREGOING, SELF, CSIDENTITY CORPORATION AND ITS AND THEIR DATA PROVIDERS AND OTHER THIRD-PARTY SERVICE PROVIDERS DO NOT GUARANTEE OR WARRANT THE ACCURACY, TIMELINESS, COMPLETENESS, CURRENTNESS, MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE OF THE PLATFORM, SITE OR SERVICES AND SHALL NOT BE LIABLE FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY USE OF THE PLATFORM, SITE OR SERVICES OR DATA THEREIN.

You acknowledge that access to the Services may be subject to limitations, delays, and other problems inherent in the use of the Internet, mobile devices and electronic communications. We are not responsible for any delays, delivery failures or other damages resulting from such problems.

We reserve the right at any time, without notice (1) to modify, suspend or terminate operation of or access to the Services, or any portion of the Services; (2) to modify or change the Services, or any portion of the Services, and any applicable policies or terms (except as described in the Self Privacy Policy and Privacy Notice); and (3) to interrupt the operation of the Site and/or provision of Services, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Limitation of Liability

In no event shall Self, its Affiliates, or its or their officers, directors, employees, managers, members, stockholders, agents or third-party providers be liable for any direct, indirect, punitive, incidental, special, or consequential damages, including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with this Agreement, the use or performance of the Platform, Site, Services or Content, the delay or inability to access or use the Platform, Site or Services, the provision of or failure to provide services, or for any content, software, products and services made available or obtained through the Platform, Site, or Content, or otherwise arising out of the use or access of the Services, whether based on contract, tort, negligence, strict liability or otherwise, even if Self has been advised of the possibility of damages. The total aggregate liability of Self and its Affiliates, Issuing Banks and third-party providers arising out of or related to this Agreement, the Platform, Site, Services or Content shall be limited to the greater of (1) the fees that you paid to use the relevant Services in the 12 months preceding the acts or omissions alleged to have caused such liability or (2) $100.00.

Indemnification

You agree to indemnify and hold Self and its Affiliates, and each of their third-party vendors, directors, officers, employees and agents harmless with respect to any suits or claims arising out of (i) your breach or alleged breach of these Terms, including, but not limited to, any infringement or alleged infringement by you of the copyright or intellectual property rights of any third party; (ii) your fraudulent or malicious use of the Services or your misuse or abuse of the Services; (iii) your violation or alleged violation of any applicable law, rule or regulation in connection with your use of the Services, or (iv) our use of Materials generated or uploaded by you in accordance with these Terms.

WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT (“Arbitration Agreement”)

IT IS IMPORTANT THAT YOU READ THIS ARBITRATION PROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BE REQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH ARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH CLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY. YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS ACTION ARBITRATION, OR OTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS.

Agreement to Arbitrate

Any and all disputes, claims, or controversies between you and us arising out of or relating to this Agreement, the Services, the Platform, your Account, any loan or line of credit provided in connection with the Services (the “Loan”), the Certificate of Deposit or other collateral that secures the Loan, any assignment of collateral, or the relationships resulting from the foregoing or any other dispute between you or us (“Claim”), shall be governed by this Arbitration Agreement, which, in turn, is governed by the Federal Arbitration Act (“FAA”). The term Claim shall have the broadest meaning possible, and covers related, third parties, including (a) our Affiliates; (b) our Issuing Banks; (c) any of our service providers who provide services with respect to your Loan (“Service Providers”); (d) any third party co-defendant of a claim subject to this Arbitration Provision (“Co-Defendant”); and (e) any officers, directors, employees and representatives of ours, our Affiliates, our Service Providers and any Co-Defendant.

Before instituting a lawsuit or arbitration of a Claim, you and we agree to give the other party written notice reasonably describing the factual basis for the Claim and the amount of damages or other relief sought (the “Notice”). Any Notice from you must be mailed to Self at 901 East 6th Street, Suite 400, Austin, TX 78702. c/o Self Financial, Inc., 901 East 6th Street, Suite 400, Austin, TX 78702 (or such other address as we shall subsequently provide to you) or may be emailed to: legal@self.inc (the “Self Address”). The Notice should include the account or loan number, and the email address and phone number at which the complaining party (or their attorney) may be contacted. We will mail any Notice to the address we have for you or send an email to the email address we have for you (“Your Address”). The Self Address and Your Address are each referred to herein as a Notice Address.

After a Notice is sent, the parties shall give each other a reasonable opportunity over the next 30 business days (“Notice Period”) to resolve the Claim on an individual basis. Any applicable statute of limitations shall be tolled as of the date the Notice is received and shall remain tolled for a period of 120 days (the “Tolling Period”). During the Notice Period, either you or we may elect to have the Claim resolved in small claims court by sending a written notification to the other party. If to you, we will send a notice to Your Address, and if to Self, notice should be sent by you to the Self Address. If either of us elects small claims court, and we are unable to resolve the Claim during the Notice Period, you or we may file the Claim only in small claims court. If no party elects small claims court during the Notice Period, and if we are unable to resolve the dispute during the Notice Period, you or we may thereafter file a Demand for Arbitration or, alternatively, file a Claim in small claims court, so long as such court has jurisdiction over the Claim.

Once a Demand for Arbitration has been filed, either party has a period of thirty (30) days after receipt of such Demand for Arbitration to elect small claims court by notifying the other party in writing at their respective Notice Address. Upon written notice of a party’s election of small claims court, the American Arbitration Association (“AAA”) shall administratively close the arbitration case, and the filing party shall have the longer of (a) 90 days; or (b) the remainder of the applicable statute of limitations period, so long as such Claim was not already barred by the applicable statute of limitation. Nothing in this Arbitration Agreement should be read to extend any applicable statute of limitations if it has already expired as of the date the Notice was received, and the parties may assert such statute of limitations defense against any Claim.

If a Claim is filed in small claims court and then removed, appealed or transferred from small claims court (or its equivalent) to another court, it shall be subject to arbitration at the written election of either you or Self to the respective Notice Address within 30 business days of written notification of the removal, appeal or transfer. You or we may also demand arbitration if the small claims (or equivalent) case attempts to include any class or representative claims. Any dispute about whether a Claim qualifies for small claims court (or its equivalent) shall be resolved exclusively by that court, not by an arbitrator.

Any arbitration proceeding shall be conducted by the AAA before a single arbitrator pursuant to the AAA’s Consumer Arbitration Rules (“Rules”). You may obtain a copy of the Rules and the form to file a Demand for Arbitration of a Claim at www.adr.org. Self will pay any filing, administration and arbitrator fees charged by the AAA. Unless you and Self agree otherwise, any arbitration hearing shall take place in your county of residence. The arbitrator shall apply substantive law consistent with the FAA.

Any arbitration proceeding shall be conducted on an individual basis, so class actions or representative claims are NOT allowed. The arbitrator shall not have any authority to entertain any Claim as a class action or on any similar representative basis, nor shall the arbitrator have any authority to consolidate Claims brought by separate individuals. The enforceability of the waiver or the right to assert a Claim on behalf of a class or in a representative capacity shall be determined exclusively by a court of competent jurisdiction.

The arbitrator shall issue a written decision containing an explanation of the essential findings and legal conclusions on which the award is premised. Self may not recover its attorneys’ fees and costs in arbitration from you (a) unless the arbitrator finds that your Claim was frivolous or was brought for an improper purpose; (b) unless Self notified you during the Notice Period that it believed your claim to be frivolous or brought for an improper purpose; and (c) if such an award would invalidate this Arbitration Agreement.

Unless you or we elect to have a Claim resolved in small claims court, the arbitrator shall decide all issues of liability on the merits of the Claim, and may award declaratory or injunctive relief only in favor of the individual party bringing such Claim and only to the extent necessary to provide relief warranted by that party’s individual claim. Should you or Self prevail on a Claim in arbitration for which public injunctive relief is sought, the entitlement to and scope of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. Any litigation seeking public injunctive relief shall be stayed pending the outcome on the merits of any individual Claim in arbitration. Prior to issuing any injunctive relief, a court of competent jurisdiction shall independently review the factual findings of the arbitration award, giving no deference to the findings of the arbitrator.

Except as otherwise expressly provided in this Arbitration Agreement, the arbitrator shall have the authority to (a) award all remedies under applicable law, including, for example, compensatory, statutory and punitive damages (under the same standards that would apply in court,) and attorneys’ fees and costs; and (b) make all determinations as to the scope, interpretation, enforceability, and validity of these Terms of Service. A court of competent jurisdiction may enter judgment on any arbitration award.

The Arbitration Agreement shall not prevent any party from seeking equitable relief, including injunctions, in aid of arbitration or in aid of the enforcement of this Arbitration Agreement from a court of competent jurisdiction, including whether a Demand for Arbitration was filed in violation of this Arbitration Agreement.

The arbitrator’s award is final and binding, except for any appeal provided by the FAA. However, if the amount of any award exceeds $100,000, inclusive of costs and attorneys’ fees, or involves a request for injunctive or declaratory relief that could involve a cost or benefit to any party exceeding $100,000, any party can, within 30 days after the entry of the award by the arbitrator, appeal to a new panel of three arbitrators administered by AAA. The panel shall reconsider the legal and factual issues, following the same procedural rules and decide the appeal on a majority vote. Any reference in this Arbitration Agreement to the “arbitrator” shall mean the panel if an award has been appealed under the paragraph.

Survival of this Provision

This Arbitration Agreement shall survive:

• the termination or closure of your Account, any Loan, or your use of the Services;
• the repayment of your Loan or any part of it;
• any legal proceedings to collect money you owe;
• any bankruptcy by you; and
• any sale, transfer or assignment by us of your Account or Loan.

You Have the Right to Reject Arbitration for this Loan

You may reject this Arbitration Agreement but only if we receive from you a written notice of rejection within 30 days of the date on which you open your Account. You must send the notice of rejection to: Self Financial, Inc., 901 East 6th Street, Suite 400, Austin, TX 78702, c/o Self Financial, Inc., 901 East 6th Street, Suite 400, Austin, TX 78702, ATTN: General Counsel. Your rejection notice must include your name, address, phone number, Account or Loan number and personal signature. You must present the return receipt received from the U.S. Postal Service in the event there is a dispute over whether your opt out notice was sent, or whether it was sent and received in a timely manner, in accordance with this Arbitration Clause. No other methods can be used to opt out of this Arbitration Clause. Rejection notices sent to any other address, or sent by electronic mail or sent in a manner without return receipt proof of delivery or communicated orally, will not be accepted or effective. Opting out will not affect the other provisions of this Agreement. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement. If you reject arbitration, neither you nor we will be subject to the Arbitration Provision for this Loan. Rejection of arbitration for this Loan will not constitute rejection of any prior or future arbitration agreement between you and us.

UNLESS YOU OPT OUT OF THIS AGREEMENT TO ARBITRATE AS PROVIDED HEREIN, YOU ARE WAIVING THE RIGHTS TO (A) HAVE A CLAIM DECIDED BY A COURT (EXCEPT SMALL CLAIMS COURT); AND (B) ASSERT OR PARTICIPATE IN A CLASS ACTION, OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT.

In the event of any conflict between this Arbitration Agreement and the dispute resolution terms of any separate agreement related to the Bank Services, the terms of such separate agreement shall govern.

If any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall remain in force except that if the waiver of the right to proceed as a class or in a representative capacity is declared unenforceable in a proceeding between you and us, and that determination becomes final after all appeals have been exhausted, this entire Arbitration Agreement (except for this one sentence) shall be null and void in such proceeding.

Where applicable, if you are covered by the Military Lending Act, then you are not bound by this Arbitration Clause, and to the extent required by the Military Lending Act, nothing in this Agreement will be deemed a waiver of the right to legal recourse under any otherwise applicable provision of state or federal law. If you would like more information about whether you are covered by the Military Lending Act, please contact us at 800-332-8231.

Self’s provision of the Services is subject to existing laws and legal process, and nothing contained in these Terms is in derogation of Self’s right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of the Services or information provided to or gathered by Self with respect to such use.

Interpretation

If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms shall continue in effect. A printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Except as otherwise specified in these Terms, notices to us must be sent in writing to the following address:

Self Financial, Inc. 901 E 6th Street, Suite 400 Austin, TX 78702 or via email addressed to: legal@self.inc

and notices to you will be sent to the email address you provide to us, which addresses may be updated from time to time upon written notice to the other party.

The Platform, Services, Content, other technology we may make available, and derivatives thereof may be subject to laws and regulations of the United States and other jurisdictions. No forbearance or delay by either party in enforcing its rights shall prejudice or restrict the rights of that party and no waiver of any such rights or of any breach of any contractual terms shall be deemed to be a waiver of any other right or of any later breach.

You may not assign any of your rights or obligations hereunder, whether by operation of law or otherwise. We may assign our rights and privileges under these Terms (including your customer registration), without your consent to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets or other change of control.

Entire Agreement

These Terms, together with the Privacy Policy, Privacy Notice, and any other related terms incorporated by reference as a part hereof, represent the entire understanding between you and Self governing the Services. In the event of any conflict between these Terms and the terms of a third-party agreement, the terms of these Terms will prevail as between you and Self. Additional agreements may be applicable to your relationship with Issuing Banks in connection with the Bank Services.

Questions

If you have any questions about these Terms, please contact us by regular mail at Self Financial, Inc., 901 E 6th Street, Suite 400, Austin, TX 78702, or log into your Account Portal at https://www.self.inc to chat with customer support. For an online copy of these Terms, please go to https://www.self.inc.