In addition, we reserve the right, in our sole discretion, to discontinue the provision of electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. When the Business Account Owner enters into an Expensify Agreement for Expensify expense management and other services, Expensify will deposit funds at Sutton Bank. 6.33  Amendment. Any revocation of such permission will be effective only after we have a reasonable period of time to process Business Account Owner’s withdrawal. Personal plans are $4.99 a month. You are about to post a question on finder.com: Subscribe to the Finder newsletter for the latest money tips and tricks. 6.29  Errors or Questions About the Business Account. In this sense, the card can be a great tool for your business that increases efficiency. Payments should be mailed to us at 401 SW 5th Avenue, Portland OR 97204or the address stated in the applicable notice. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by Business Account Owner, in which event Business Account Owner will cooperate in asserting any available defenses. The arbitration will be conducted before one commercial arbitrator from the American Arbitration Association (“AAA”) with substantial experience in resolving commercial contract disputes. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF     CLAIMANTS, IN ANY ARBITRATION OR LAWSUIT INVOLVING ANY DISPUTE BETWEEN US. At Finder, we value and respect our editorial independence. With the highest OCR accuracy in the industry, Expensify’s trademarked SmartScan technology allows users to capture receipts easily on-the-go. If Authorized User does not have sufficient funds in the Card Account, Authorized User can request that the merchant charge a part of the purchase to the Card and pay the remaining amount with cash or another card. Earn 70,000 points when you spend $5,000 on purchases in the first 3 months. Finder.com is an independent comparison platform and information service that aims to provide you with information to help you make better decisions. The company subsequently shifted focus to its companion expense reporting system as it scaled up to serve larger corporate clients. “Business Account Owner” or “You” or “Your” means the entity that has qualified for and established a Business Account and one or more Card Account(s) (see Section 5.2 - Qualifying For and Establishing Business Account and Card Accounts). We will review the information submitted in a commercially reasonable manner, but given that the Expensify Card Program implements a commercial product, Business Account Owner is not entitled to and we are not obligated to follow the requirements or obligations of the Electronic Funds Transfer Act and Regulation E promulgated thereunder, which only apply to consumer transfers. These Terms constitute the entire and sole agreement between Business Account Owner, Business Administrator, Authorized Users, and us with respect to the Program and supersede all prior understandings, arrangements, or agreements, whether written or oral, regarding the Program. New York, NY, 10016. Expensify Card. 6.15  Lost or Stolen Card, Compromised PIN or Unauthorized Access to Business Account. This Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Authorized User agrees to promptly notify us in writing of changes to any User Information. — Forrester Economic Impact Report, 2017 Find Out How For example, a Business Administrator may establish Settings that limit the amount of funds that may be allocated to a Card Account, the categories of purchases that may be authorized for a Card Account, or the amount of transactions that may be performed with a Card in a day or month. Adjustments may be made to the Card Account to reverse an error, reflect a merchant adjustment, or resolve a dispute regarding a transaction posted to the Card Account. 5.1.   Business Account Owner Consent. A Business Administrator may obtain information about the available funds in the Business Account or a Card Account and a 60-day history of the Card Account transactions on the Website. If you do need this feature, this card is an excellent option as long as you can live without the bells and whistles of other business products. Get this card if you want automatic expense tracking that’s synced with the Expensify app. 6.7    Transaction Requirements. 5.4. 6.28  Our Liability to Business Account Owner. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. You’ll get access to spending controls and automatic eReceipts. If you make your email account available to any other individual, you agree that you are responsible for any release of any Account information to such individual. Upon the suspension or cancellation of a Card Account, the Authorized User may no longer be able to use the Card Account or the associated Card. We may also receive payment if you click on certain links posted on our site. 6.41  DISPUTE RESOLUTION BY BINDING ARBITRATION. 6.19 Transaction Restrictions. We need your consent to our privacy policy. The Business Administrator will be authorized to limit or restrict the activity on all Cards with or without the consent of any Authorized User. During that period, Business Account Owner and Authorized User will not have access to the funds subject to the hold. For example, the app is more expensive if you forgo a subscription for a pay-per-use plan. Each Card Account is a notional sub-account of the Business Account that will enable the Business Account Owner to track the balance of funds allocated to the Card linked to such Card Account. When Authorized User uses a Card or Card number to initiate a transaction at certain merchant locations, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in the Card Account for an amount equal to or in excess of the final transaction amount. Open this email and click on the link within. A Business Administrator may restrict transactions (a) based on Merchant Category Code, (b) purchases originating outside of the United States, or (c) purchases made to sellers outside of the United States. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. Arbitration will be subject to the Federal Arbitration Act and not any state arbitration law. Email Expensify at  concierge@expensify.com as soon as a Business Administrator can if the Business Administrator thinks an error has occurred involving the Business Account. On the other hand, individuals and sole proprietors can get up to 25 smart scans each month for free. Now our accounting team and employees save about 40 hours a month, respectively. Business Account Owner may cancel a Card, Card Account, or this Agreement at any time by notifying Customer Service as provided below. Business Account Owner should print and save or electronically store a copy of all Communications that we send to Business Account Owner electronically. These Expensify Card Program Terms and Conditions (these “Terms”) represent an agreement between each Business Account Owner and Bank that governs the Expensify Card Program (each term as defined below). You can use the Expensify Card only with group plans. Card may either be a physical card embossed with a 16-digit number or a virtual card represented by a 16-digit account number. Do I have the option to maintain a balance on my Expensify Card? Business Account Owner agrees to the following in connection with any arbitration: (a) no class or similar group arbitration will be permitted; (b) the arbitration will be confidential, and neither Business Account Owner nor we may disclose the existence, content, or results of any arbitration, except as may be required by law or for purposes of enforcement of the arbitration award; (c) subject to Section 6.39 (Limitation of Liability), the arbitrator may award any individual relief or individual remedies that are expressly permitted by applicable law; and (d) each party will pay its own attorneys’ fees and expenses, unless there is a statutory provision that requires the prevailing party to be paid its fees and litigation expenses and the arbitrator awards such attorneys’ fees and expenses to the prevailing party, and, in such instance, the fees and costs awarded will be determined by the applicable law. 6.5    Establishing Card Account Settings. 5.6. Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network. The Business Administrator and Authorized User may change the frequency of notifications at any time by updating their notification setting on the website. Additionally, Expensify card offers constant reconciliation of approved expenses between Expensify and integrated accounting systems, which enable the finance team to get a clear picture of company financials in real-time. If a Business Account or Card Account has a negative balance, Business Account Owner and Authorized User agrees: (a) that the balance of Business Account can be adjusted to reflect that amount;  (b) that we may automatically apply any subsequent deposits to the Business Account to satisfy the negative balance and (c) to pay us on demand by ACH, a personal check,  business check, money order, or other payment method authorized by us for the amount of the negative balance. Business Account Owner will not receive any interest on the funds in the Business Account or any Card Account. The Expensify Card is designed to work with the Expensify app. Expense management: Expensify codes and submits business expenses for easy approval, next-day reimbursement, and automatic sync with accounting software. An Authorized User may use a Card to make purchases at any merchant that accepts Visa debit cards or debit cards of other networks in which the Bank participates, subject to the available Card Account balance, the transaction limits and transaction restrictions outlined below, and the other terms and condition of this Agreement. The Business Account is an account made available to the Business Account Owner to facilitate the issuance of Cards that may be used by Authorized Users for commercial business purposes. Customer support has stated to me that they will delete my data. When you use the card, your transactions will automatically be logged in your Expensify account. In order to access and retain Communications provided to Business Account Owner electronically, Business Account Owner must have: (1) a valid email address; (2) a computer or other mobile device (such as tablet or smartphone) that operates on a platform like Windows or a Mac environment; (3) a connection to the internet such as Internet Explorer 11 (or higher), Mozilla Firefox 30, Safari 7,or Chrome 29; (4) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Reader version 7 or higher; (5) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form; (6) a computer or device and an operating system capable of supporting all of the above. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver. The Business Administrator shall have full power and agrees to administer the Business Account and each Card Account only as described in this Agreement and as duly authorized by the Business Account Owner. Earn 1 mile per $1 spent on all other purchases. With Expensify, it's faster than ever to review expenses, reimburse employees, and close your books each month. To the extent permitted by applicable law, we may cancel or suspend a Business Account, Card, Card Account, or this Agreement immediately, for any reason, and, except when required by applicable law, without notice to Business Account Owner, a Business Administrator or Authorized User. 6.32  Severability and Waiver. In the event that a Card Account is cancelled, closed, or terminated for any reason, a Business Administrator may request the unused balance to be returned to the Business Account or to Business Account Owner via a check to the mailing address we have in our records. “Access Information” means collectively a PIN, online user name, password, challenge questions, and any other security information used to access a Business Account or Card Account. Failure to promptly notify us could result in the Business Account Owner losing ALL of the money in the Business Account and the associated Card Accounts. Notwithstanding this agreement to arbitrate, either party may seek emergency equitable relief in federal court if it has jurisdiction or, if it does not, in a state court located in the federal judicial district of Business Account Owner’s principal place of business residence in order to maintain the status quo pending arbitration, and each party hereby agrees to submit to the exclusive personal jurisdiction of the courts located within the federal judicial district of Business Account Owner’s principal place of business for such purpose. Expensify card - daily settlement through multiple reimbursement accounts Answered Sojourn_1303 27 views 5 comments 0 points Most recent by Sophie_Pinto September 15 Why does Expensify Visa Card … We may also issue Authorized User a new Card when the Card expires even if there are no funds in the Card Account. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. When selecting a PIN for physical Cards, a Business Administrator and Authorized Users should not use numbers or words that appear in their wallets (e.g., their date of birth, address, or social security number). “We,” “us,” and “our” mean Bank and its successors, affiliates, and assignees. Prior to distributing a Card to an Authorized User, Business Account Owner shall be responsible for ensuring that each Authorized User (i) is a United States citizen or permanent resident of at least 18 years of age (or older if residing in a state where the majority age is older) or authorized to work in the U.S.; (ii) agrees to the Bank’s Privacy Policy; (iii) agrees to the terms of this Agreement; and (iv) provides or agrees that a Business Administrator may provide all requested information, such as the Authorized User’s name, email address, and such other information as we may request from time to time (collectively, “User Information”). The upgrade to unlimited scans costs $5 per month or $60 annually, which is way more acceptable. 6.23  Account Alerts. Business Account Owner is responsible for all transactions initiated and fees incurred by use of a Card and Card Account. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Southwest Rapid Rewards® Performance Business Credit Card, Southwest Rapid Rewards® Premier Business Credit Card, Redeem perks and discounts from Expensify’s partners. For any and all controversies, disputes, demands, claims, or causes of action between Business Account Owner (which includes for purposes of this provision any Business Administrator or Authorized User) and us (including the interpretation and scope of this Section 6.41 and the arbitrability of the controversy, dispute, demand, claim, or cause of action) relating to the Cards, the Business Account, Card Accounts, or these Terms (as well as any related or prior agreement that Business Account Owner may have had with us), Business Account Owner and we agree to resolve any such controversy, dispute, demand, claim, or cause of action exclusively through binding and confidential arbitration and the terms of this Section 6.41. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. One of the benefits of Expensify is that it allows automatic integration of the app with financial institutions, credit cards or other payment modes, so there is no need for any manual data entry of any sort. The Card is not a gift card, nor is it intended to be used for gifting purposes. 6.4 Funding of the Business Account. 6.3    Program Description. 6.20 Responsibility for Authorized Transactions. We may receive compensation from our partners for placement of their products or services. If any provision of this Agreement is held to be invalid or unenforceable, such provision will be deemed to be modified to the minimum extent necessary to make it valid and enforceable and the rest of this Agreement will not be affected. If you want rewards or a signup bonus, consider other business credit cards. By opening a Business Account, requesting, activating or using a Card or by retaining, using or authorizing the use of a Card Account, Business Account Owner represents and warrants to us that: (i) Business Account Owner has received a copy of these Terms and agrees to be bound by and to comply with them and understands that they are subject to change in accordance with applicable law; (ii) Business Account Owner is duly organized, validly existing and in good standing under the laws of the state in the United States of its formation; (iii) Business Account Owner is duly qualified and in good standing to do business in all jurisdictions where Business Account Owner conducts its business; (iv) Business Account Owner has all necessary organizational power and authority to establish the Business Account and each Card Account, enter into these Terms, and to perform all of the obligations to be performed by it under these Terms; (v) The personal and business information that Business Account Owner provides to us in connection with the Business Account is true, correct and complete; (vi) The individual accepting and agreeing to these Terms for Business Account Owner has the requisite corporate authority to accept and agree to the Terms on the Business Account Owner’s behalf; (vii) The Business Administrator designated by Business Account Owner is a citizen or permanent resident of the United States (with U.S. tax ID number) and is at least 18 years of age (or older if residing in a state where the majority age is older); (viii)  Business Account Owner authorized the Business Administrator to authorize each Authorized User to accept and use the Card and/or Card Account; (ix) Business Account Owner has provided Business Administrator and each Authorized User with a copy of these Terms and Business Administrator and each Authorized User accepts and agrees to be bound by and to comply with them; and. 6.2    Qualifying for and Establishing Business Account and Card Accounts. With Expensify, it's faster than ever to review expenses, reimburse employees, and close your books each month. $0 intro annual fee for the first year ($99 thereafter). “Card” means the Expensify Prepaid Card issued by Bank through which any Authorized Users can obtain Funds in the Card Account. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months. With robust features like corporate card reconciliation, multi-level approval workflows, and direct syncs with all major accounting software, Expensify saves time for businesses of all shapes and sizes. “Current Version” means a version of the software that is currently being supported by its publisher and that accurately reads and displays PDF files. As modified by these Terms, and unless otherwise agreed upon by the parties in writing, the arbitration will be governed by the AAA’s Commercial Arbitration Rules and, if the arbitrator deems them applicable, the Supplementary Procedures for Consumer Related Disputes (collectively, the “Rules and Procedures”). An Authorized User should get a receipt for each Card transaction. I have recorded chat logs with them saying this. Authorized Users should treat the Card with the same care as cash. While the card itself doesn’t have fees, you’ll pay a fee for the Expensify app — either $5 per user per month or $9 per user per month for a subscription, depending on which features you want. Business Account Owner will further be responsible for any transactions made and any fees incurred by the Authorized User even if the Authorized User exceeds the scope of the authority granted to such Authorized User by Business Account Owner. If there are not sufficient funds in the Card Account to cover the transaction amount, the transaction will be declined. Expensify can categorize and code each receipt, and can even automatically submit business expenses for approval and reimbursement. Business Account Owner, Business Administrators and Authorized Users agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts. We strive to ensure our content is clear and honest. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. If a merchant gives Authorized User a credit for merchandise returns or adjustments, the merchant may do so by processing a credit adjustment, which we will credit to the available funds in the Card Account. In order to ensure that we are able to provide Communications to Business Account Owner electronically, Business Account Owner must notify us of any change in their e-mail address by updating Business Account Owner’s profile on the Website. Each reference to “Card” also shall include all “Cards” provided to Authorized Users. The card itself doesn’t have an annual fee but the Expensify service costs either $5 per user per month or $9 per user per month for a subscription depending on the features you want. “Expensify” refers to Expensify, Inc., a Delaware corporation that services the Program and hosts the Website, as part of its business of assisting Business Account Owner in managing corporate expenses, and its successors, affiliates, or assignees. With the exception of subparts (a) and (b) of this Section (prohibiting arbitration on a class or collective basis), if any part of this arbitration provision is deemed to be invalid, unenforceable, or illegal, or otherwise conflicts with the Rules and Procedures, then the balance of this arbitration provision will remain in effect and will be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting part was not contained herein. Companies with large number of employees will pay a hefty sum. “Authorized User” means any designated person authorized by the Business Administrator to use the Card Account and/or Card on Business Account Owner’s behalf. Our business days are Monday through Friday, excluding federal holidays, even if we are open. 7.1    Contact Information for Customer Service. Do not send a Card or PIN number in an email or text message. 6.27  Replacement Cards. Pick something else if you want rewards, a signup bonus or an interest grace period. Dubbed Concierge Travel, the service is available for free to all holders of the Expensify Card, the payment tool the company launched last year. Business Account Owner’s, Business Administrator’s and Authorized Users’ privacy is very important to us. Expensify is the world's leading application for expense management, receipt scanning, and business travel. Plus, get a $0 intro annual fee for the first year, then $99. Each Authorized User must accept these Terms in order to receive and use the Card Account and Card. Business expense accounts may sound glamorous, but for most frequent travelers they're more of a hassle than anything. Rather than charging a per-booking or subscription fee for the booking service, Expensify earns a percentage of the interchange fee paid by the supplier accepting payment via the card. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. 32 East 31st Street, 4th Floor, What this means for the business owner and business administrators: when a Business Account Owner opens a Business Account, we will ask for the name, address, employer identification number and organizational documents of the Business Account Owner and the names, addresses, dates of birth, and other information concerning each Business Administrator and Principle Owner that will allow us to identify the business account owner and its Business Administrator and Principle Owners. Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Cancellation or suspension of this Agreement will not affect any of our rights or Business Account Owner’s, or any Business Administrator’s or Authorized User’s obligations arising under this Agreement prior to such cancellation or suspension. Expensify categorizes and codes each receipt, and automatically submits business expenses for approval and reimbursement. The Card allows Authorized Users to access funds allocated to the Card Account by the Business Administrator, subject to the limitations established by the Business Administrator. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®, 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network. A Business Administrator or Authorized User may activate a Card on the Website by going to expensify.com/activate. I've tried deleting my own data from Expensify but without no luck. It also provides spend controls and card limits on unapproved expenses which allow businesses to manage cash flow and ensure compliance with the policy. Business Account Owner acknowledges and agrees that the value available in the Business Account and any Card Account is limited to the funds that have been added to the Business Account or allocated to any Card Account pursuant to these Terms. The expense management platform, Expensify. 6.37  Indemnification. We may add to, delete, or amend this Agreement at any time in our sole discretion without providing notice to Business Account Owner, a Business Administrator or Authorized User subject to applicable law. Any withdrawal of Business Account Owner’s consent to receive Communications electronically will be effective only after we have a reasonable period of time to process Business Account Owner’s withdrawal. However, there are some exceptions. Instead of prepaid debit cards for homeless people, he pivoted to making prepaid debit cards for employees. If a Business Administrator needs more information about our error resolution process, contact Customer Service at concierge@expensify.com. Any references to “days” found in this Agreement are calendar days unless indicated otherwise. Expensify will disclose any Fees to you when opening your Business Account through its Website. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. Always protect the Card and keep it in a safe place. Will Expensify set limits to how much I can spend on my card? On the Expensify Card page, enter your email address. When the Card is used for making a purchase, we will receive a transaction authorization request from the merchant. If Business Account Owner’s U.S. mail or postal address, email address, or telephone number changes, Business Account Owner must notify us immediately. 5. 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