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MAJORITY USA, LLC – TERMS OF SERVICE
You’re in Majority – Welcome!
IMPORTANT – PLEASE READ CAREFULLY. THE MAJORITY TERMS CONTAIN AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION ON AN INDIVIDUAL BASIS.
Customer satisfaction is important to us at Majority. If you have any questions about your Majority App Account, the Majority Services, our Partner Services, or these Majority Terms, please do not hesitate to contact us. You can reach us at the following places:
Email: [email protected]
Telephone: 1 (855) 553-3388
Or, send us a message in the Need Help? section of the Account Page in the Majority App!
These terms of service (the "MAJORITY Terms") represent a binding legal agreement between you and Majority USA, LLC (" us", "we" or " our" or "MAJORITY") and govern the provision and use of our services, including the MAJORITY mobile application (the “App”) and websites (www.majority.com) (the "Website"), software (the "Software"), and other products and services, features and functionality including content, updates and new releases (together, the "Services").
The MAJORITY Terms are the terms and conditions set forth herein, but also any additional terms and conditions, policies, rules, guidelines, rates, offers or similar published in the App or on the Website relating to the Services. You should read them all carefully and retain them for your records. If you don't agree to the term and conditions set forth herein, don't use the Services.
Some of the products and services made available to you in the App are not provided by us but are instead offered and provided by third parties (herein referred to as "Partner Services" and our "Partners"). These Partners have their own agreements (the "Partner Agreements") that will apply to you when you use the Partner Services. The Partner Agreements are attached to the MAJORITY Terms as Schedules or are made available to you in the App or the Website and when you apply to use the Partner Services. By accepting the MAJORITY Terms and using the Partner Services, you accept the Partner Agreements. You accept all other Partner Agreements by applying for or utilizing those Partner Services (as applicable). The Partner Agreements are separate agreements between you and our Partners and govern your use of the Partner Services. Some of the Partner Services or Services may not be available to you depending on the level of identity verification you have completed. We reserve the right to require any level of or additional identity verification to access any of the Partner Services or Services, in our sole discretion.
By applying for or otherwise retaining or using the Services and/or any Partner Services, you represent and warrant that: (i) you are at least 18 years of age (or older if you reside in a state where the legal age of majority is older) and are fully able and competent to conclude the terms and conditions set out herein; (ii) you are a U.S. resident; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) all information that you provide to us in connection with the Services and/or Partner Services is true, correct, up-to-date and complete; and (v) that you have read and understand the MAJORITY Terms and the Partner Agreements, and agree to be bound by and to comply with their terms and conditions.
Majority USA, LLC is a Delaware limited liability company whose registered office is at 128 NW 28th Street, Suite 604, Miami, FL 33127. Majority USA, LLC is not a bank. The Financial Services (as defined below), such as the MAJORITY Visa® General Purpose Reloadable Card (the “MAJORITY Card”), is provided by Axiom Bank, N.A., a member of the Federal Deposit Insurance Corporation.
To access the Services and features of the App, you must first successfully complete the Know-Your-Customer (“KYC”) requirements in the MAJORITY App—such requirements being determined by MAJORITY and Axiom Bank, N.A. from time to time, in their sole discretion, in accordance with applicable law and based on various risk-based factors (“KYC Approval”). You hereby authorize MAJORITY, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and MAJORITY Account information. This may include asking you for further information and/or documentation about your identity, or requiring you to take steps to confirm ownership of your email address, wireless/cellular telephone number or financial instruments, and verifying your information against third party databases or through other sources.
By signing up with MAJORITY and successfully passing our applicable KYC procedure, you get access to a platform account in the App (the “MAJORITY App Account”). During onboarding, you will select a membership tier: MAJORITY Basic or MAJORITY Plus. Your membership tier determines which Services and features are available to you and the fees that apply to your use of the Services. You may change your membership tier at any time, subject to Section 2.3 (Changing Your Membership Tier).
MAJORITY Basic is a free membership tier. MAJORITY Basic members receive access to the following Services:
MAJORITY Account: An account established for you at Axiom Bank, N.A., with a primary account (the “Primary Account”). Your funds are held by Axiom Bank, N.A. in a custodial account for the benefit of MAJORITY members and are eligible for FDIC pass-through insurance if applicable requirements are met. Please refer to the Axiom Bank, N.A. MAJORITY Account and GPR Card Agreement (the “Cardholder Agreement”) for more details.
MAJORITY Pay: transfers to and from another MAJORITY member (offered through Axiom Bank, N.A., in accordance with your Cardholder Agreement and other financial institutions that work with our Partners, as applicable). Transfers to a non-MAJORITY recipient’s debit card and Payment Request Link transfers are available with MAJORITY Plus.
Funding Methods: Bank deposit (ACH), external debit card deposit, cash deposit at participating retailers, and direct deposit.
Calling and Mobile Top Up: Available at per-use rates. See Section 2.2 (Fees) for details.
International Money Transfers: Available for a per-transfer fee. See Section 2.2 (Fees) for details.
Customer Support: General customer support is available via email and in-app chat. Phone support is available solely for reporting a lost or stolen mobile device or card, an unauthorized transaction, an error, or fraud.
MAJORITY Basic members do not have access to the following Services, which are available only to MAJORITY Plus members: the MAJORITY Card (physical or digital), Pockets, the MAJORITY Visa® Credit Card, ATM cash load, check deposit, payment app load, payment link load, cashback rewards, or general phone support.
MAJORITY Plus is a paid membership tier, subject to the MAJORITY Membership Fee described in Section 2.2 (Fees). MAJORITY Plus members receive access to all Services available to MAJORITY Basic members, plus the following additional Services:
MAJORITY Card: A digital card is provisioned upon enrollment in MAJORITY Plus. You may also order a physical MAJORITY Card issued by Axiom Bank, N.A. Please refer to the Cardholder Agreement for more details. You will also have the option to open subaccounts (“Pockets”) within your MAJORITY Account.
Secured Credit Card: Eligibility to apply for the MAJORITY Visa® Credit Card issued by WebBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and the associated security deposit held at WebBank (the "Credit Card"). Please refer to the MAJORITY Credit Card Agreement (the "Credit Card Agreement") for more details.
Additional Funding Methods: ATM cash load, check deposit, payment app load, and payment link load.
Calling and Mobile Top Up: Included at no additional charge for select countries. See the App for eligible countries.
International Money Transfers: Included at no additional per-transfer fee for bank-deposit or mobile-wallet delivery; cash-pickup delivery is subject to a flat $3.00 per-transfer fee, regardless of membership tier (see Section 2.2 (Fees)) (offered by our Remittance Partners, as described in Section 3.3).
Cashback Rewards: Eligibility to earn cashback rewards on qualifying purchases. See Section 6.4 (MAJORITY Cash Back Rewards Terms and Conditions) for details.
Customer Support: General customer support is available via email, in-app chat, and phone.
Mobile Phone Plans offered through Gigs Wireless LLC (“Gigs”).
Other services offered through the App and as designated as available to MAJORITY Plus members.
Once you’ve received KYC Approval from us, you will gain access to the Services and Partner Services available in the App based on your selected membership tier. If you select the MAJORITY Plus tier, your use of and access to the Services is subject to a recurring 30-day membership subscription fee, as specified below (the “MAJORITY Membership Subscription” and “MAJORITY Membership Fee”). If you select the MAJORITY Basic tier, you will not be charged a MAJORITY Membership Fee.
MAJORITY Membership Fee (MAJORITY Plus only): $6.99 / 30 days
You will not be charged the MAJORITY Membership Fee for the first 30 days after your KYC Approval or initial upgrade to MAJORITY Plus (the “Free Trial Period”). The Free Trial Period is a one-time entitlement per customer. If you downgrade to MAJORITY Basic and subsequently re-upgrade to MAJORITY Plus, you will not be eligible for another Free Trial Period.
After your Free Trial Period ends, you will be charged the MAJORITY Membership Fee every 30 days unless you pause, downgrade, or cancel your subscription.
If you apply for and obtain a Credit Card, you may be eligible for a welcome discount on your MAJORITY Membership Fee. See here for details.
Access to all or parts of the Services may require additional identity verification, in our sole discretion. You acknowledge and agree that the use of our Services and Partner Services may also be subject to certain additional fees charged per usage or as otherwise provided for in the MAJORITY Terms or Partner Agreements (“Service Fees”). Please refer to the App and respective Partner Agreement for further details.
For MAJORITY Basic members, the following Service Fees apply:
International Money Transfers (Remittance): $1.99 per transfer for bank-deposit or mobile-wallet delivery. Cash-pickup delivery is subject to a flat $3.00 per-transfer fee, regardless of membership tier.
Mobile Top Up: $0.99 per top-up.
Calling: Variable per-country rates (displayed in the App).
For a full comparison of fees by tier, please refer to the List of All Fees for the Majority GPR Card, available at majority.com/en/terms-of-use/longform-fee-schedule.
We and our Partners reserve the right to change the MAJORITY Membership Fee or the Service Fees from time to time. Except where applicable law requires otherwise, before any increase to the recurring MAJORITY Membership Fee or the introduction of a new recurring fee takes effect, we will give you advance notice and information on how to cancel, consistent with applicable law (including, as applicable, the federal Electronic Fund Transfer Act / Regulation E and the California Automatic Renewal Law). Other changes to the Service Fees shall become effective when published in the MAJORITY Terms or Partner Agreements, the App and/or the Website. Your continued use of the Services and/or the Partner Services following notice of the new fees shall constitute your agreement to the new fees. If you do not accept the new fees, do not use the Services or Partners Services. No refunds are available.
Unless stated otherwise, all fees and charges for the Services and Partner Services shall be stated in United States dollars (USD) and shall be exclusive of all applicable taxes or fees, including any fees charged by your linked external bank or debit card. You are responsible for paying all taxes or fees applicable to your use of the Services and the Partner Services.
Excluding Service Fees or other charges in relation to the Credit Card, you acknowledge and agree that payment of the MAJORITY Membership Fee, any Service Fees and any other applicable taxes or fees is made by deducting a corresponding amount from your MAJORITY Account and transferred to MAJORITY or our Partners (as applicable), and you hereby instruct and authorize us and our Partners to fulfill your payment obligations. See the Credit Card Agreement for details on related fees or charges and how to make Credit Card payments.
You may cancel your MAJORITY Membership Subscription by closing your MAJORITY Account or downgrading to MAJORITY Basic. To cancel and avoid further charges of your MAJORITY Membership Fee, you must close your MAJORITY Account or schedule a downgrade at least one (1) day before your next billing cycle. Downgrading to MAJORITY Basic will deactivate your MAJORITY Card; see Section 2.3.1 for what changes when a downgrade takes effect. You can do this by contacting Customer Support or following the steps in the App. If you close your MAJORITY Account, you are required to draw any remaining balance down to zero, including any funds held in your Primary Account and in any Pockets. It is your responsibility to make sure that the balance on your Primary Account is sufficient for paying the applicable fees and charges to us and our Partners or that you have a valid method of payment connected to your MAJORITY Account (see Section 2.6 below for more details).
As applicable, see your Credit Card Agreement for details regarding the closure of your Credit Card account, if any.
You may upgrade or downgrade your membership tier at any time via the Membership Management section in your profile in the App.
If you are a MAJORITY Plus member, you may schedule a downgrade to MAJORITY Basic at any time, and you do not need to take any other step first. Before you downgrade, please note what changes when it takes effect: your MAJORITY Card, both physical and digital, will be deactivated and may not be used; you will lose access to the other MAJORITY Plus services listed in Section 2.1.2; and your MAJORITY Account will remain open, so you can continue to receive direct deposits and bank (ACH) deposits and to send and receive MAJORITY Pay transfers with other MAJORITY members. Because MAJORITY Basic members do not have access to Pockets, any funds held in an open Pocket will be returned to your Primary Account and the Pocket will be closed when your downgrade takes effect. You do not need to close your Credit Card account in order to downgrade: a Credit Card issued to you before your downgrade remains open and subject to the Credit Card Agreement, although you will not be eligible to apply for a new Credit Card while you are a MAJORITY Basic member.
Once you have scheduled your downgrade, your MAJORITY Plus membership will continue until the end of your current 30-day billing cycle; however, during this pending downgrade period, you will not be able to order a new physical MAJORITY Card, apply for a Credit Card, or open new Pockets unless you cancel the scheduled downgrade. At the end of your billing cycle, your downgrade to MAJORITY Basic will take effect. Upon the downgrade taking effect your access to MAJORITY Plus-only features will be removed, and your MAJORITY Card (both physical and digital) will be deactivated and may not be used, as described in the Cardholder Agreement.
If you are a MAJORITY Basic member, you may upgrade to MAJORITY Plus at any time. Upon upgrading, you will immediately gain access to MAJORITY Plus features, and a digital MAJORITY Card will be automatically provisioned for you. If you previously had a frozen MAJORITY Card, it will be automatically unfrozen. You will not need to order a new physical card unless your previous card was lost or stolen. As stated in Section 2.2, if you have already used your one-time Free Trial Period, your MAJORITY Membership Fee will be charged immediately upon upgrading.
You agree not to use the Services or Partner Services in any prohibited manner, as further specified in Section 9.2 Prohibited Use. You also agree to provide only accurate information about yourself to us in connection with your use of our Services and/or the Partner Services. You agree to keep us informed of changes in your personal information.
You are responsible for maintaining adequate security and control of all IDs, passwords, personal identification numbers (PINs), or any other codes that you use to access the Services and/or Partner Services.
The Services and Partner Services can only be offered in jurisdictions where they are legally allowed to be offered. If you are residing in a jurisdiction where it is prohibited by law to offer or use the Services or the Partner Services, you may not use those services in such jurisdiction. It is your responsibility to ensure that you are legally allowed to use the Services and Partner Services where you are located. If any laws applicable to you restrict or prohibit you from using the Services, you must comply with those legal restrictions and, if applicable, stop accessing and/or using the Services and Partner Services.
You may load money into your MAJORITY Account in several ways described in detail in your Cardholder Agreement. We may allow you to load funds by connecting one or more external Visa® or Mastercard® debit cards to your MAJORITY Account. Under Payment Methods in the App, you may specify a default debit card to be charged. In the event that you have insufficient funds in your MAJORITY Account to cover the MAJORITY Membership Fee (if applicable), a connected default debit card will be charged. By connecting a debit card to your MAJORITY Account, you consent to any connected debit card to be charged in the event that your MAJORITY Account has insufficient funds to cover the MAJORITY Membership Fee (if applicable). Please note that we may disable your ability to load funds into your MAJORITY Account using an external debit card, set a minimum amount of funds you can load, or limit the amount of funds that you can load into your MAJORITY Account via an external debit card without notice to you and in our sole discretion.
You may also load money into your MAJORITY Account via ACH, direct deposit, and cash loads at points of sale. MAJORITY uses the ACH technology provider Dwolla Inc., together with their network of bank and financial institution partners, (“Dwolla”), as well as Plaid Inc. (“Plaid”) in order to offer you the possibility to transfer funds between your bank accounts and your MAJORITY Account (“ACH transactions”) as made available in the MAJORITY App. Please be advised that you must apply and be approved for the Financial Services defined in Section 3.1 below prior to being able to utilize ACH transactions.
When you initiate an ACH transaction in the Majority App you will automatically open a Dwolla Platform Account and you must accept the Dwolla Terms of Service and Privacy Policy. The Dwolla Terms of Service constitute a separate agreement between you and Dwolla. Any funds held in the Dwolla account are held by Dwolla's financial institution partners as set out in the Dwolla Terms of Service. You authorize us to collect and share with Dwolla your personal information including full name, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through the Majority App, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla account activity, and we can be reached at www.majority.com, [email protected], and/or 1 (855) 553-3388 (available Monday through Friday 8:00AM – 6:00PM CDT and Saturdays 9:00AM – 5:00PM CDT).
By initiating an ACH transaction in the Majority App, you grant Plaid and us the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You furthermore agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.
Payment processing services for adding funds to your Card Account via the Majority App are provided by Majority USA, LLC or its partners.
When you log into the Majority App you will find information relating to your use of the Services and the Partner Services, such as receipts and payments made, calling history and your current balance (“Majority App Account Records”). It is your responsibility to retain and save copies of your Majority App Account Records for future reference.
We will use commercially reasonable efforts to correct any technical failures relating to your Majority App Account Records within a reasonable time. However, your inability to view your Majority App Account Records does not extend, or relieve you of, your obligation to pay any amounts owing to us or our Partners.
You agree and consent to MAJORITY and Partners providing you communications electronically as described in the ESIGN Consent.You agree to the terms and conditions provided in the MAJORITY Communication Policy, and such terms are incorporated herein by reference.
MAJORITY uses artificial intelligence (“AI”) to power our in-app chat assistant and to handle certain customer service interactions. When you interact with our chat assistant or an automated customer service channel, you are communicating with an automated AI system and not with a human. We will make this clear to you at the point of interaction.
Your interactions with our AI features may be monitored and recorded for quality assurance, training, security, recordkeeping, dispute resolution, and to improve our Services. By using these features, you consent to such monitoring and recording.
A human is available. If you would prefer to communicate with a person, you may contact our customer service team by phone at 1 (855) 553-3388, by email at [email protected], or as otherwise described in the Customer Support section above. Phone support availability may depend on your membership tier, as described in Section 2.1.
We may use information from your interactions with our AI features, including chat content, transcripts, and recordings, to develop, train, test, and improve our AI models, systems, and Services. We use and safeguard this information in accordance with the MAJORITY Privacy Policy, including any rights or choices that may be available to you under applicable law. Where we use automated processing to make decisions that produce legal or similarly significant effects concerning you, we will provide any notice, opt-out, access, or human-review rights required by applicable law (see the MAJORITY Privacy Policy).
Responses generated by our AI features are provided for general informational and convenience purposes, may not always be accurate or complete, and do not constitute legal, financial, tax, or other professional advice.
Below is an overview of the Partner Services found in the Majority App.
As part of the Partner Services, you may apply for the Majority Card and associated Majority Account, which is offered to you by Axiom Bank, N.A. (“Financial Services”). The Axiom Bank, N.A. Cardholder Agreement can be found here.
Our Partner Rebtel offers you a unique high-quality cross-border calling experience, as well as mobile top up services (i.e. transferring pre-paid airtime value), at unbelievably low rates. Rebtel's terms of service can be found here and constitute a separate agreement between you and Rebtel.
Within the App you can also make international payments via our affiliate Majority Payment Services LLC (“MPS”), our partner Community Federal Savings Bank, and Golden Money Transfer, Inc. dba Inyo (each, a “Remittance Partner”), or another provider we identify to you. Depending on the state in which you reside, the destination country of your payment, or any other factor as we determine, the international transfer service may be offered by any one of the Remittance Partners, the identity of which will be clearly shown to you when you make a payment. Where the Remittance Partner processing your transfer is not MPS, MAJORITY acts as that Remittance Partner’s agent or authorized delegate. By utilizing the international transfer functionality offered by our Remittance Partners, you agree to the Terms of Service applicable to the Remittance Partner processing your transaction.
The Majority Payment Services LLC Terms of Service can be found here. The Community Federal Savings Bank Terms of Service can be found here. The Golden Money Transfer, Inc. dba Inyo Terms of Use, together with its privacy policy, state licenses and regulatory disclosures, can be found here. If another provider processes your transfer, its Terms of Service will be made available to you before you complete the transfer.
Within the App you may elect to purchase and subscribe to prepaid mobile phone plan service (“Mobile Phone Service”) provided by our Partner Gigs Wireless, LLC and its affiliates (“Gigs”). Your access and use of the Mobile Phone Services is governed by the Majority Phone Plan Billing Terms between you and Majority and the End User Service Agreement between you and Gigs.
As part of the Partner Services, if you are a MAJORITY Plus member, you may apply for the MAJORITY Visa® Credit Card issued by WebBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and the associated security deposit held at WebBank (the "Credit Card"). The MAJORITY Credit Card Agreement can be found here. In the event any conflict or inconsistency between these MAJORITY Terms and the Credit Card Agreement or other relevant Partner Agreement by WebBank for WebBank Partner Services, the terms of the Credit Card Agreement or relevant Partner Agreement by WebBank shall apply.
Majority Pay is a peer-to-peer money transfer service available in the App, which allows you to send or receive funds to or from other Majority users, or to request and receive payments from non-Majority users. All funds sent using Majority Pay are in U.S. dollars. MAJORITY Pay transfers to a non-MAJORITY recipient’s debit card and Payment Request Link transfers are available to MAJORITY Plus members.
Majority does not transfer the money. All money will be transferred through Axiom Bank, N.A. and other financial institutions that work with our Partners, as applicable. Your use of the Majority Pay service is subject to the terms and conditions of your Cardholder Agreement with Axiom Bank, N.A.
This Section 5 (Transfer Link Terms) sets out the terms and conditions for the “Transfer Link” payment method service offered by MAJORITY. These terms apply to MAJORITY customers who use the Transfer Link service to send international money transfers. In addition to these terms and conditions, the Partner terms of service governing the international money transfer you are making also apply to your use of Transfer Link.
Transfer Link is a safe and easy way of sending international money transfers without needing all of the recipient’s details such as their legal name, bank name, bank account number, or address. Transfer Link allows you, the sender, to share a secure link to the recipient where they can provide the necessary information to complete the transfer and receive the money.
To send money using Transfer Link, you must provide the recipient’s phone number, the amount you want to send, and input all other required information. You may then create the Transfer Link which you then must share with the recipient. The recipient will then need to input the required information, including their phone number, legal name, the name of their bank, bank account number, and any other information we or our Partners may require, in order to complete the money transfer.
You may cancel a Transfer Link if the recipient has not finalized the Transfer Link and completed the transaction. Neither we nor our Partners are responsible if you fail to cancel a Transfer Link prior to the recipient finalizing the transaction.
In addition, we may, in our absolute discretion, impose time limits on how long a Transfer Link remains valid for, after which the Transfer Link may expire. You must create a new Transfer Link if the original Transfer Link expires.
By using Transfer Link, you agree that you are sending the Transfer Link to a person that you know and that you have the recipient’s permission to retain their personal information (including name, bank name and bank account number). You may not use Transfer Link if the recipient does not provide this permission.
You further agree that you will provide accurate, up-to-date information to us when using the Transfer Link service. Neither we nor our partners are responsible for any international money transfer you initiate using incorrect recipient information. Always verify the recipient’s phone number prior to using Transfer Link.
Majority may offer promotional offers or rewards related to the use of the Majority and/or Partner Services. This Section 6 applies to all Majority promotional offers and rewards as further specified below.
The MAJORITY Community is available on the MAJORITY Website at www.majority.com and is no longer offered in the App. There, you may find content and discounts that are personalized to you, including cash back rewards and special offers. Your use and eligibility for cash back rewards are subject to Sections 6.2 and 6.4 below. All other special offers must be redeemed as specified in the offer, and your eligibility is further governed by Section 6.2 below. Please note that cash back rewards are only available to MAJORITY Plus members.
All MAJORITY promotional offers and/or rewards, including the Cash Back Rewards in Section 6.4, are valid only for MAJORITY customers who:
have passed all relevant customer identification and screening requirements;
have a MAJORITY Account that is in good standing; and
otherwise are in good standing under the MAJORITY Terms and the Partner Agreements.
MAJORITY promotional offers and/or rewards are subject to updates, limitations, modifications and/or termination by MAJORITY in its sole discretion. All promotional offers and/or rewards are void where prohibited. MAJORITY reserves the right to end a promotional offer, including the Cash Back Rewards in Section 6.4, at any time.
MAJORITY in its sole discretion may also revoke any offer or reward, including Cash Back Rewards in Section 6.4, from any customer or may cancel or remove a reward from any customer’s account who:
has abused the promotional offer;
has violated any applicable terms and conditions;
has violated the MAJORITY Terms;
has violated the Partner Agreements;
has closed their MAJORITY Account without spending the applicable reward amount(s);
has engaged in any activity it deems fraudulent or in violation of applicable law; or
for any other reason.
All MAJORITY rewards are redeemed via a credit to your MAJORITY Account subject to Section 6.4 below. MAJORITY may provide an alternate reward of equal value if it is unable to fulfill the reward. MAJORITY is not responsible or liable if any email, reward, referrals, or promotional offer related materials or correspondence are lost, stolen, incomplete, delayed, altered, or misdirected, or if any participant’s MAJORITY account, email address or other contact information does not work, is deleted, or is changed without participant giving prior written notice to MAJORITY. MAJORITY reserves the right to review any account or transaction related to its promotional offers and rewards programs, in its sole discretion, without notice, and delay completion of any reward.
MAJORITY promotional offers and/or rewards may be subject to being reported on any applicable IRS form should you receive MAJORITY payments or credits that exceed $600 in the relevant taxable year. The validity of a promotional offer and/or reward is contingent upon the customer providing MAJORITY with the relevant tax forms and other information as required and/or requested by MAJORITY.
The terms and conditions in this Section 6.3 apply to all customer referral rewards programs offered by MAJORITY.
To be eligible for a referral reward, each referred customer must:
knowingly and willingly sign up to be a MAJORITY customer using the referral URL provided by MAJORITY;
pass all relevant customer identification and screening as required by MAJORITY;
comply with the MAJORITY Terms and the Partner Agreements; and
comply with all other conditions or requirements as communicated by us (the “Referred Customer”).
Please note that a deposit into the Referred Customer’s MAJORITY Account via the MAJORITY Pay transfer service is not an eligible deposit method for you or the Referred Customer to earn a referral reward.
Additional eligibility requirements for referral rewards may apply and will be communicated to you by us during the relevant referral campaign (including but not limited to, Referred Customers needing to meet certain MAJORITY Account deposit requirements, pay the MAJORITY Membership Fee, or use certain MAJORITY Services). You agree that referral rewards may not be provided to you unless such eligibility requirements are fulfilled. Referral rewards may be credited by us up to 60 days after the fulfillment of all applicable requirements.
You may only refer family and personal friends. Additionally, you must not publish or distribute any MAJORITY referral URL in public locations (online or otherwise) where the audience is likely to include people who are not your family or personal friends. If you do so, MAJORITY may disqualify you from participation in the referral rewards program and any successful referrals will be void, in MAJORITY’s sole discretion. We may also cancel, revoke, remove or decline to offer referral rewards to or from any user who was provided a referral URL by a user we deem has violated the MAJORITY Terms or Partner Agreements, in our sole discretion. Referral URLs may be subject to termination or expiration at any time.
Referral reward amounts may be communicated by MAJORITY on the App or Website. MAJORITY reserves the right to change or revoke any referral reward amount at any time and without notice to you.
The terms and conditions in this Section 6.4 apply to all cashback rewards offers and/or promotions, and all other offers or promotions in which MAJORITY offers cash value or credits in exchange for you using the MAJORITY Card, Credit Card or using any of the Services “(Cash Back Rewards”).
Eligible purchases must be made with the MAJORITY Card or Credit Card with an eligible retailer unless otherwise specified by us. MAJORITY Cash Back Rewards are calculated based on the percentage of each eligible purchase. Cash Back Rewards are only available for eligible purchases as identified in the MAJORITY App and/or Website. Other restrictions may also apply as set forth in the Cash Back Rewards offer. Please refer to the App or Website for more information about eligible retailers and purchases.
MAJORITY is not responsible for any delays you may experience in receiving MAJORITY Cash Back Reward amounts or any failure of MAJORITY to deliver Cash Back Rewards amounts based on circumstances beyond MAJORITY’s control .
Cash Back Rewards may be reclaimed if you cancel, chargeback or return an eligible purchase. Loads or reloads of balances on gift cards, prepaid cards or cash equivalents are not eligible for Cash Back Rewards.
Offer is valid for consumer, non-commercial use only. This offer is not transferable.
Purchases made before the expiration and/or revocation of the MAJORITY Cash Back Rewards offer that post after such expiration or revocation are not eligible purchases and will not earn Cash Back Rewards.
MAJORITY does not provide, endorse or guarantee any third-party product, service, information or recommendation. The third party/parties listed in any MAJORITY Cash Back Rewards offer are not affiliated with MAJORITY and are solely responsible for their products and services, subject to applicable law and except as set forth in the Credit Card Agreement for Credit Card purchases. All trademarks are the property of their respective owners.
The terms and conditions in this Section 6.5 apply to the MAJORITY Membership Fee waiver promotional offer for eligible students who sign up to be MAJORITY members (the “MAJORITY Student Discount”).
The MAJORITY Student Discount is available for MAJORITY members who are students and sign up for a MAJORITY Account using an “.edu” email address that is verified by us. Upon successful email verification and passing all relevant customer identification and screening requirements needed to access the MAJORITY Services, MAJORITY will waive the MAJORITY Membership Fee for one (1) year from the date you signed up for your MAJORITY Account.
Please be aware that we may extend the time period that you receive the MAJORITY Student Discount in our sole discretion, and we also reserve the right to revoke the MAJORITY Student Discount at any time and for any reason, including but not limited to the grounds for revoking a promotional offer as stated in Section 6.2 above, or if we determine in our sole discretion that you are not currently a student.
The MAJORITY Student Discount is only available for new MAJORITY Plus Members who have not previously signed up for a MAJORITY Account, regardless of the email address used. Existing MAJORITY members, including those who initially registered with an '.edu' email address, are not eligible for this offer.
The following section details the steps you should take in the event that something goes wrong with your MAJORITY Account or your use of the Services, such as a lost or stolen card or device, disputes, complaints, your breach of the MAJORITY Terms or the Partner Agreements, and closing your MAJORITY Account.
If your MAJORITY Card or mobile phone that contains the App is lost or stolen, please contact MAJORITY Customer Support immediately so we can suspend your MAJORITY Account. Subject to applicable law and except as set forth in the Credit Card Agreement for Credit Card purchases, we are not responsible for any fraudulent use or charges to your MAJORITY Card or Account, the Services, or the Partner Services prior to you notifying us that your MAJORITY Card or mobile phone has been lost or stolen. You are solely responsible for securing your MAJORITY Card and mobile phone.
Additionally, if you believe that your MAJORITY Account has been compromised, that an unauthorized third party has gained access to it, or if your password or PIN or any other account information has been lost or stolen, please contact MAJORITY Customer Support immediately. Subject to applicable law and except as set forth in the Credit Card Agreement for Credit Card purchases, you are solely responsible for all activity and charges to your MAJORITY Account, including unauthorized or fraudulent use.
Except as provided by law and as set forth in the Credit Card Agreement for Credit Card purchases, all purchases under the MAJORITY Terms and Partner Agreements are final and non-refundable. For Credit Card purchases, see the terms of the Credit Card Agreement for billing errors and disputes. Otherwise, if you believe that we or any of our Partners have charged you in error, you must provide a written request to our Customer Support within 90 days of such charge (for contact details see CUSTOMER SUPPORT at the beginning of these terms). No refunds will be given for any charges more than 90 days old. For the avoidance of doubt, no refunds shall be given for services paid or credit acquired through vouchers, gift tokens or similar. We reserve the right to deny repetitive refund requests.
If you would like to make a complaint about your MAJORITY Account, the Services or the Partner Services, please contact MAJORITY Customer Support.
You may be in breach of the MAJORITY Terms if you do anything that violates these MAJORITY Terms, the Partner Agreements, or applicable law. This includes your failure to pay the MAJORITY Membership Fee. If you breach these MAJORITY Terms, we may suspend or close your MAJORITY Account or MAJORITY App Account, or take any other action that we deem necessary and in our sole discretion.
We may terminate the MAJORITY Terms (i.e., cancel your MAJORITY Account, MAJORITY App Account and the Services, etc.) by giving you reasonable prior notice. We may suspend or terminate the Services without prior notice only where we reasonably determine it is necessary to prevent fraud or unlawful activity, to comply with applicable law or a Partner’s requirements, to protect the security or integrity of your account or our systems, or where you have materially breached these MAJORITY Terms. If we close your MAJORITY Account, you remain entitled to your available funds, subject to applicable law and any valid hold or legal requirement, and we will return your available balance in accordance with your Cardholder Agreement and applicable law.
Additionally, subject to applicable law, we and our Partners have the right to immediately, without any liability, refuse to provide, restrict, limit, change, remove, disable, suspend and/or interfere or interrupt the Services and the Partner Services or any part thereof, at any time and without any prior notice to you, for the repair, improvement, and/or upgrade of the Service, or for any of the reasons for termination set forth in the MAJORITY Terms or Partner Agreements, or for any corporate or business reason.
You agree that your use of the Services and Partner Services is conditioned upon you being eligible to acquire the Services and the Partner Services. Therefore, the termination (or deactivation) of a Partner Service may require the immediate termination of the MAJORITY Terms and deactivation of your MAJORITY Account.
You acknowledge and agree that we and our Partners are under no obligation to provide the Services and Partner Services to you, and that we or our Partners shall not be liable to you or to any other party for any limitation, suspension, discontinuance, termination or modification of the of the Services, the Partner Services, the MAJORITY Terms and/or the Partner Agreements.
You acknowledge and agree that the Services and the Partner Services are offered and provided on a pre-paid basis and that if there are not sufficient funds in your MAJORITY Account for payment of the MAJORITY Membership Fee or the Service Fees (if applicable), or you do not have an external debit card linked to your MAJORITY Account with sufficient funds, your MAJORITY Account may be deactivated and you may not be able to use the Services or Partner Services. Please refer to Sections 2.2 and 2.6 above for details on fees and payments. Notwithstanding the foregoing, Service Fees, other than the MAJORITY Membership Fee, and any amounts due on the Credit Card are not due on a pre-paid basis and are subject to the terms set forth in the Credit Card Agreement. You may activate your MAJORITY Account again or otherwise get access to the Services and Partner Services by loading your MAJORITY Account with sufficient funds.
If you have not paid the MAJORITY Membership Fee for a period of ninety (90) days, your MAJORITY Account and MAJORITY App Account may be terminated in our sole discretion. This means that in case you want to access the Services and Partner Services following the termination, you would need to apply again and obtain KYC Approval to reactivate your MAJORITY membership.
You may close your MAJORITY Account at any time by contacting MAJORITY Customer Support ([email protected]). Please be advised that you will be required to bring your MAJORITY Account balance down to zero prior to closing your account.
As applicable, see your Credit Card Agreement for details regarding the closure of your Credit Card, if any.
Upon any termination of your MAJORITY Account all rights granted to you hereunder or under any Partner Agreement shall cease immediately and you understand and acknowledge that we will have no further obligation to allow access to your MAJORITY Account, MAJORITY App Account, or the Services. We shall execute the termination by preventing your access and/or use of your MAJORITY Account or other parts of the Services or the Partner Services. The termination of the MAJORITY Terms and/or Partner Agreements will not affect any of our rights or your obligations arising under these agreements prior to termination. We are not liable to you or any third party for the termination of your MAJORITY Account, MAJORITY App Account, or the Services, or your use thereof. UPON ANY TERMINATION OR SUSPENSION, ANY INFORMATION THAT YOU HAVE SUBMITTED, UPLOADED OR OTHERWISE MADE AVAILABLE ON, TO OR THROUGH SERVICES OR THAT IS RELATED TO YOUR ACCOUNT MAY NO LONGER BE ACCESSED BY YOU. Furthermore, except as may be required by applicable law or as provided in our Privacy Policy, we will have no obligation to store or maintain (or delete or destroy) any information stored in our database or to forward any information to you or any third party.
We reserve the right at all times to disclose any data or information (in any form) as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove or restrict any information or materials, in whole or in part, in our sole discretion. For more information about our privacy practices and how we use your personal information, please see our Privacy Policy.
To enable MAJORITY Pay functionality and to allow you to send and receive payments via MAJORITY Pay, we need to disclose some of your personal information to our Partners who facilitate this service and the person that you are paying or who is paying you. Specifically, we may disclose your name or if you have a MAJORITY Account to third parties who want to send or request money from you.
You may have the right to request that we delete data related to your MAJORITY Account, subject to our legal obligations related to data retention, along with other exceptions that may apply. To request deletion of your MAJORITY Account data, click here.
You acknowledge that the products, features or functions or other parts of the Services or Partner Services may change over time. We or our Partners may change the form and nature of the Services and/or Partner Services from time to time, and will provide notice of material changes where required by applicable law. Furthermore, we and our Partners may, in our reasonable discretion, decline to provide and/or stop (permanently or temporarily) providing the Services and/or Partner Services (or part thereof) to users generally. Except where immediate action is necessary (for example, to address fraud, security, legal, or risk concerns) or where otherwise permitted by applicable law, we will give you reasonable prior notice before permanently discontinuing the Services to you individually, and if a discontinuation results in the closure of your MAJORITY Account, the notice and funds-return provisions of Section 7.4 apply. We may make updates to the Software, the App or other parts of the Services at any time and shall have no obligation whatsoever to provide any such updates to you. It is your responsibility to use the latest available version of the Software, App or other parts of the Services (where applicable).
You agree that you are solely responsible (and that we and our Partners have no responsibility to you or to any third party) for any data, content, or resources that you transmit by using the Services or Partner Services, and for the consequences of such actions, including any loss or damage which we, our Partners or any other third party may suffer.
Use of all or parts of the Services may require additional identity verification, in our sole discretion. You agree to provide all information requested by us or our Partners in order to verify your identity, and your failure to do so may result in us or our Partners declining or ceasing to provide any or all of the Services to you. You agree that the Services are to be used only for your personal use.
By using the Services and Partner Services, you agree not to:
Use or access the Services and Partner Services for any unlawful purpose, or in any manner inconsistent with the MAJORITY Terms or the Partner Agreements;
Open or attempt to open more than one (1) active MAJORITY Account at any time;
Attempt to gain unauthorized access to any other MAJORITY customer’s MAJORITY Account, upload malicious code of any type, or otherwise damage the Services, Partner Services, App or Website;
Infringe our or our Partner’s intellectual property rights, or those of any third party in relation to your use of the Services or Partner Services;
Transmit any communication that is defamatory, offensive or otherwise objectionable in relation to your use of the Services and Partner Services;
Damage, disable, overburden, modify, tamper, impair or compromise our or any third party’s systems or security or interfere with other users;
Collect or harvest any information or data from the Services or Partner Services or any applicable systems or attempt to decipher any transmissions to or from the servers running the Services or Partner Services;
Reverse engineer, decompile or try to discover the source code of the Services, Partner Services, App, or Website;
Provide us or our Partners with any false, inaccurate or misleading information;
Intercept or monitor, damage or modify any communication which is not intended for you;
Sell, rent, lease, distribute, market, or use the Services and/or Partner Services for any commercial purpose;
Remove, obscure, or alter our or any of our Partner’s copyright notices, trademarks, or other proprietary rights notices affixed or contained within the Services, Partner Services, App or Website.
We are entitled, in our reasonable discretion, to immediately suspend the provision of the Services and/or Partner Services (or any part thereof), and to terminate the MAJORITY Terms in accordance with Section 7.4, if we determine that you are using the Services or the Partner Services, or otherwise acting, in breach of the MAJORITY Terms and/or Partner Agreements, or where necessary to protect you, us, or our Partners. We will notify you of any suspension or termination where required by applicable law, and the notice and funds-return provisions of Section 7.4 apply to any resulting closure of your MAJORITY Account. The aforesaid does not limit any other rights that we may have under the MAJORITY Terms or Partner Agreements or applicable law.
We may assign all or part of our rights and/or obligations under the MAJORITY Terms without notice to you (the same right applies for our Partners in relation to the Partner Agreements). You are not allowed to assign any rights or obligations under the MAJORITY Terms or any Partner Agreement to any third party without our prior written consent.
IN NO EVENT SHALL WE, NOR SHALL OUR SUBSIDIARIES, AFFILIATES OR PARTNERS OR ANY OTHER SERVICE PROVIDER WHO FURNISHES SERVICES IN CONNECTION WITH THE SERVICES OR PARTNER SERVICES (OR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OF THE AFORESAID ENTITIES), TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR INCIDENTAL DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF MONEY, DATA, GOODWILL, REPUTATION, PROFITS, BUSINESS INFORMATION OR INTERRUPTION, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF OR INABILITY TO USE THE SERVICES OR PARTNER SERVICES OR OTHERWISE ARISE UNDER OR IN CONNECTION WITH THE MAJORITY TERMS OR PARTNER AGREEMENTS, EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN ANY EVENT, AND WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT OUR AND EACH OF OUR PARTNERS’ (AND EACH OF THE OTHER AFOREMENTIONED THIRD PARTIES’) TOTAL AND AGGREGATED LIABILITY TO YOU (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, WARRANTY, OR OTHERWISE) FOR ANY AND ALL DAMAGES, COSTS OR LOSSES THAT ARISE IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE SERVICES AND/OR PARTNER SERVICES, OR OTHERWISE ARISE UNDER OR IN CONNECTION TO THE MAJORITY TERMS OR ANY PARTNER AGREEMENT, SHALL NOT IN ANY CIRCUMSTANCE EXCEED THE AMOUNT ACTUALLY PAID BY YOU TO US OR OUR PARTNERS FOR THE SERVICES AND/OR PARTNERS SERVICES DURING THE MOST RECENT FIVE (5) MONTHS PRIOR TO THE DATE OF THE EVENT GIVING RISE TO THE RELEVANT CLAIM, HOWEVER SUBJECT TO A MAXIMUM LIMITATION OF USD 1,000.00.
YOU AGREE TO INDEMNIFY, DEFEND AND HOLD US AND OUR PARTNERS HARMLESS, INCLUDING OUR AND OUR PARTNERS’ SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND SERVICE PROVIDERS, FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, COSTS, LOSSES, DEMANDS, TAX ASSESSMENTS, JUDGMENTS, GOVERNMENTAL INVESTIGATION OR ENFORCEMENT ACTION, PENALTIES, INTEREST AND EXPENSES (INCLUDING WITHOUT LIMITATION REASONABLE ATTORNEYS’ FEES) MADE BY ANY THIRD PARTY DUE TO, ARISING OUT OF OR RELATING TO (I) YOUR ACCESS TO AND USE OF THE SERVICE OR PARTNER SERVICES; (II) YOUR VIOLATION OF ANY OF THE TERMS AND CONDITIONS OF THE MAJORITY TERMS OR ANY PARTNER AGREEMENT (INCLUDING ACTUAL OR ALLEGED BREACH OF YOUR REPRESENTATIONS AND WARRANTIES), OR ANY APPLICABLE LAW OR REGULATION; (III) YOUR VIOLATION OF ANY THIRD-PARTY RIGHT, INCLUDING WITHOUT LIMITATION ANY INTELLECTUAL PROPERTY RIGHT, PUBLICITY, CONFIDENTIALITY, PROPERTY OR PRIVACY RIGHT; (IV) ANY OTHER PARTY’S ACCESS AND/OR USE OF THE SERVICES OR PARTNER SERVICES WITH YOUR UNIQUE NAME, PASSWORD OR OTHER APPROPRIATE SECURITY CODE; OR (V) ANY DISPUTES OR ISSUES BETWEEN YOU AND ANY THIRD-PARTY. WE RESERVE THE RIGHT TO ASSUME OR PARTICIPATE, AT YOUR EXPENSE, IN THE INVESTIGATION, SETTLEMENT AND DEFENSE OF ANY SUCH ACTION OR CLAIM.
The MAJORITY Terms shall be governed by the laws of the State of Delaware except to the extent governed by federal law or modified herein, without regard to any conflicts of law provisions that provide for the application of the law of another jurisdiction.
Any claim, dispute, or controversy (“Claim”) between you and us, including our (if any) successors, affiliates or assignees as well as any other third party, arising out of or relating in any way to the MAJORITY Terms, your use of the Services or otherwise, no matter how described, pleaded or styled, shall be subject to final binding arbitration as provided herein, except for matters that may be taken to small claims court. You may assert claims in small claims court instead of in arbitration if the claims qualify and so long as the matter remains in small claims court and advances on an individual (non-class, non-representative) basis. This agreement to arbitrate is intended to be broadly interpreted. The arbitration shall be conducted pursuant to the JAMS Comprehensive Arbitration Rules and Procedures in effect at the time the request for arbitration is made (the “Arbitration Rules”), and in accordance with the Expedited Procedures in those Arbitration Rules, including Rules 16.1 and 16.2 of those Arbitration Rules, except as modified herein. The arbitration shall take place in the county in which you reside before a single neutral arbitrator (the “Arbitrator”) selected in accordance with the Arbitration Rules. Payment of all filing, administration, and arbitrator fees will be governed by the Arbitration Rules. We shall be responsible for our share of the arbitration fees, and if you are unable to pay your share, we will pay it on your behalf, subject to the Arbitrator’s determination of your good faith inability to pay.
You and we agree that the arbitration proceedings, including all documents, evidence, and statements made during the proceedings, shall be confidential. Neither party shall disclose any information related to the arbitration, including the existence of the arbitration, the Arbitrator's award, or any other details of the proceedings, to any third party, except as may be required by law, regulation, or court order, or to enforce or challenge the arbitration award.
ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY.
You and we will have the ability to conduct reasonable discovery in accordance with the Expedited Procedures in the Arbitration Rules. All determinations as to the scope, interpretation, enforceability and validity of this agreement to arbitrate shall be made finally and exclusively by the Arbitrator. The Arbitrator’s award shall consist of a written statement stating the disposition of each Claim and will also provide a concise written statement of the essential findings and conclusions on which the award is based. The Arbitrator’s award will be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.
NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION.
This arbitration provision shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your MAJORITY Card, or any amounts owed on your MAJORITY Card, to any other person or entity. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing.
This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16.
IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT USE THE SERVICES OR ANY PARTNER SERVICES, NOTIFY US IMMEDIATELY FOR TERMINATION OF THE MAJORITY TERMS AND PARTNER AGREEMENTS.
The MAJORITY Terms, along with any applicable MAJORITY policies and other agreements that you have agreed to, represent the entire agreement between you and us relating to the use of the App, Website, your MAJORITY Account and/or any other part of the Services, and supersedes all prior offers, understandings, agreements and representations with respect to the Services or any other subject matter covered by the MAJORITY Terms. For clarification, the MAJORITY Terms supersede all offers, promises or similar made to you by our client services agents, representatives or employees. The MAJORITY Terms may not be modified or amended except as described herein. The Cardholder Agreement governs your MAJORITY Account and MAJORITY Card. In the event of a conflict, the Cardholder Agreement controls with respect to your MAJORITY Account and MAJORITY Card, and these MAJORITY Terms control with respect to your MAJORITY membership.
If a court finds any provision of the MAJORITY Terms or any Partner Agreement to be invalid or unenforceable for any reason, the remainder of the MAJORITY Terms or such Partner Agreement shall continue in full force and effect.
If we or any Partner (as applicable) fail to insist that you perform any of your obligations under the MAJORITY Terms or any Partner Agreement, or if we or a Partner do not enforce our rights against you, or if we delay in doing so, that will not mean that we or the Partner have waived our rights against you and will not mean that you do not have to comply with those obligations. If we or any of our Partners waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
Headings used in the MAJORITY Terms or any Partner Agreement are for convenience purposes only and shall not be deemed to limit or affect any of the provisions hereof.
The official version of the MAJORITY Terms, MAJORITY Promotional Offers and the Partner Agreements is in the English language. Any translations are provided merely for convenience of the customers and shall not be legally binding. In the event of any conflict between a version in another language and the English version, the English version shall prevail.
You acknowledge and agree that if we or any of our Partners are unable to provide the Services and/or Partner Services as a result of a force majeure event, neither we nor our Partners shall be in breach of any of our obligations towards you under the MAJORITY Terms and/or Partner Agreements. A force majeure event means any event beyond the reasonable control of MAJORITY and/or the Partners.
In consideration of you agreeing to abide by the terms and condition of the MAJORITY Terms, we grant you a limited, non-transferable, non-sublicensable, non-exclusive, revocable license to use the App, the Website and other parts of the Services provided or made available to you by MAJORITY or our Partners. You may download a copy of the App onto a Device which you control to view, use and display the App for your personal purposes only. We reserve all other rights.
Without limiting the aforesaid, in relation to the App, we license the use of the App to you subject to your adherence to terms and conditions of the MAJORITY Terms, in addition your use of the App is subject to any rules or policies applied by Apple Inc. and/or Google Inc., or any other entity within the Apple or Google group (“Apple” and “Google”). We do not sell the App to you. We remain the owner of the App at all times.
You may not copy, modify, adapt, redistribute, decompile, reverse engineer, disassemble, or create derivative works of the Software, the App, Website or, to the extent applicable, any other part of the Services (or permit or assist any third party in such activities). You must not remove, obscure, or alter any proprietary rights notices (including copyright and trademark notices) that may be affixed to or contained within the Software.
The Software may contain open-source software. Any use, reproduction and distribution of components of the Software licensed under an open-source software license is governed by the terms of such open-source software license, however to the extent permissible thereunder and otherwise if applicable, the MAJORITY Terms shall apply with priority over such open source software license. You acknowledge that you have no right to have access to the Software or other parts of the Services (where applicable) in source-code form.
All ownership and intellectual property rights in or to the Software, App, Website or, to the extent applicable, other parts of the Services and any copies and derivative works thereof (regardless of form or media in or on which the original or other copies may exist), including but not limited to patents, design rights, copyrights, trademarks, trade-secrets and proprietary know-how, shall be owned by and vested in MAJORITY (or our Partners, to the extent applicable), or any third party licensors, and nothing in the MAJORITY Terms shall constitute or be interpreted as a transfer of any such rights from MAJORITY (or any third party licensor of MAJORITY) to you or anyone else. You are, as stated above, solely entitled to the limited license to the Services specifically granted under the MAJORITY Terms. For clarification, nothing in these terms give you a right to use any of our or our Partners’ trade names, trademarks, service marks, logos, domain names, or other distinctive brand features, except as may be contained in or otherwise used within the Services or Partner Services provided to you.
The licenses granted to you as described in this section will terminate automatically in the event of termination of the MAJORITY Terms. Furthermore, we have the right to, in our sole discretion, at any time remove any materials posted to the Website.
You acknowledge and agree that the use of the Services and Partner Service is dependent upon services of third parties, including but not limited to international carriers, local termination partners and your local telecom and mobile operator (“Providers”). Note that some Providers prohibit or restrict the use of the Services and/or Partner Services and may impose fees in connection with the use of the Services. You are solely responsible for verifying with your mobile operator or Internet provider (or any other Provider that you are using in relation to your use of the Services or Partner Services) that your use of the Services is permitted and in accordance with any contractual obligations you may have with such Provider, and also to understand (and pay for) any fees that such Provider may charge you in relation to your use of the Service or Partner Service.
Note that if you use the Services and Partner Service while you are in a country that is not the country associated with your base/fixed net or mobile phone operator or other Provider (in other words: out-of-country usage) this usage may lead to significantly higher costs in relation to your Providers than normal usage. You are solely responsible for keeping yourself informed and paying for such possible roaming and other applicable charges levied by your mobile operator or other Provider.
You agree that any comments, suggestions, feedback, documents, content or other material or information provided, shared, published by you in connection with the use of the Services or Partner Services, or otherwise in your contacts with us or our Partners (including but not limited to, the use of blogs, email, forums and customer support functions) is provided on a non-proprietary, non-exclusive and non-confidential basis. You grant us a royalty-free, world-wide, transferable, sub-licensable, perpetual and irrevocable license to use any such material or information (of course subject to our and/or our Partners privacy policies). You acknowledge that you are responsible for whatever material or information is provided by you, including its legality, reliability, appropriateness, originality and copyright.
You expressly acknowledge and agree that the provision and use of the Services and/or the Partners Services are at your sole risk and that the entire risk as to satisfactory quality, performance, accuracy and effort is with you. To the maximum extent permitted by applicable law, the Services and/partners Services are provided “AS IS” and “AS AVAILABLE”, with all faults and without warranty of any kind, and we hereby disclaim all warranties and conditions with respect to the Services and Partners Services, either express, implied or statutory, including, but not limited to, the implied warranties and/or conditions of merchantability, of satisfactory quality, of fitness for a particular purpose, of accuracy, of quiet enjoyment, and non-infringement of third party rights. We do not warrant against interference with your enjoyment of the Services or that the Services will be uninterrupted or error-free, or that defects in the Services will be corrected. No oral or written information or advice given by us shall create a warranty. Should the service cause any defects, you assume the entire cost of all necessary servicing, repair or correction. Additionally, you also understand that we cannot guarantee that information or communications transmitted in relation to the use of Services will not be subject to interception by law enforcement officials or other third parties.
This version of the MAJORITY Terms is effective as from: August 31, 2026