Effective Date: March 18, 2026
Last Updated: March 18, 2026

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Veep Software Inc. (“Veep,” “Company,” “we,” “us,” or “our”) governing your access to and use of the Veep platform, mobile applications, website, software, and related services (collectively, the “Service”).

By accessing, registering for, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Service.

1. Description of the Service

Veep Software Inc. (“Veep,” “Company,” “we,” “us,” or “our”) provides a technology platform that enables eligible individuals to access certain financial tools and services designed to help users manage and obtain access to wages they have already earned but that have not yet been paid through an employer’s normal payroll cycle.

The Veep platform is designed to facilitate access to earned wage information and provide eligible users with the ability to request transfers of a portion of those earned wages prior to their scheduled payday.

The Service operates by integrating with employer payroll systems, payroll processors, financial institutions, banking partners, and other authorized data sources in order to determine estimated wages that a user has already earned but has not yet received through payroll.

Through these integrations, Veep may provide users with visibility into their estimated earned wages and the ability to request transfers of a portion of those wages prior to their employer’s regular payroll disbursement date.

The Service may be made available through a variety of channels and delivery mechanisms, including but not limited to:

• web-based applications • mobile applications • application programming interfaces (APIs) • integrations embedded within employer or payroll platforms • integrations with financial institutions or banking applications • other digital interfaces authorized by Veep

The Service may be provided directly by Veep or through participating employers, payroll processors, benefit providers, financial institutions, or other authorized partners (collectively, “Participating Partners”).

These Participating Partners may enable users to access the Service as part of employee benefits programs, financial wellness initiatives, payroll services, or other integrated offerings.

The Service may include a range of features and capabilities, including but not limited to:

• earned wage access functionality that allows eligible users to request transfers of earned wages prior to payday • payroll and employment data integrations that enable the platform to estimate earned wages • financial account connectivity allowing users to link bank accounts or payment methods • funds transfer and payment processing capabilities facilitated through authorized financial institutions • transaction history and wage tracking tools • account management functionality • alerts, notifications, and communications relating to wage availability or transactions • financial wellness tools and informational resources designed to help users better understand

and manage their income • other services, products, or tools that Veep may introduce from time to time

Veep provides the underlying software infrastructure that enables these features but may rely on third-party service providers and Participating Partners to provide certain components of the Service.

These third parties may include, without limitation:

• payroll processors and payroll service providers • employers and employer benefit administrators • financial institutions and banking partners • financial data aggregation providers • payment processors and payment networks • identity verification service providers • fraud prevention and risk monitoring service providers • cloud infrastructure providers

Because the Service relies on third-party integrations and data sources, certain features of the Service may depend on the continued availability, accuracy, and reliability of third-party systems and services.

Veep does not control the operation of these third-party systems and is not responsible for failures, delays, inaccuracies, or interruptions caused by such systems. The Service operates by receiving and processing information relating to a user’s employment, compensation, hours worked, wages earned, payroll schedule, or other income-related data.

This information may be obtained directly from employers, payroll processors, financial institutions, or other authorized data sources. Using this information, the Veep platform may estimate the amount of wages that a user has earned but has not yet received through payroll (“Earned Wages”).

Eligible users may request transfers of a portion of these Earned Wages prior to their scheduled payday, subject to applicable limits, eligibility requirements, and operational constraints. Users acknowledge that the calculation of Earned Wages may depend on information received from third-party data sources. Accordingly, estimates of Earned Wages may be subject to adjustment as additional information becomes available or as payroll records are updated. Veep does not guarantee the accuracy of Earned Wage calculations and is not responsible for inaccuracies resulting from incomplete, delayed, or incorrect data provided by employers, payroll processors, financial institutions, or other third parties.

The availability of the Service may depend on the continued participation of the user’s employer, payroll provider, financial institution, or other Participating Partner.

If a participating employer or partner ceases participation in the Veep platform, certain Service features may become unavailable.

Veep reserves the right to establish limits or restrictions on the use of the Service, including but not limited to:

• maximum transfer amounts • maximum percentage of Earned Wages that may be accessed • frequency of transfers • transaction processing times • identity verification requirements • account linking requirements • fraud prevention and risk monitoring controls

These limits may be modified by Veep at any time in order to:

• comply with applicable laws and regulatory requirements • manage operational, financial, or fraud risk • maintain platform integrity and security

• ensure system performance and reliability • protect users and Participating Partners

The Service is intended solely for personal use by eligible individuals and may not be used for commercial or business purposes without Veep’s prior written consent.

2. Veep Is Not a Bank, Lender, or Credit Provider

Veep provides a technology platform designed to facilitate access to certain financial tools and services through integrations with employers, payroll providers, financial institutions, and other authorized partners.

Veep is not a bank, credit union, depository institution, lender, broker, money transmitter, or other regulated financial institution.

Veep does not accept deposits, hold customer funds, originate loans, extend credit, or engage in consumer lending activities. The Service does not involve the issuance of credit and does not create a debt obligation between Veep and the user. Transfers made through the Service represent access to wages that a user has already earned through employment but that have not yet been paid through the employer’s payroll process.

Accordingly:

• Veep does not charge interest on earned wage transfers • Veep does not issue loans or lines of credit • Veep does not impose finance charges • Veep does not report activity to consumer credit reporting agencies

The Service is designed to provide access to wages that have already been earned and therefore is not intended to constitute a credit transaction within the meaning of the Truth in Lending Act (TILA) or similar consumer lending laws.

Where funds transfers are facilitated through financial institutions or banking partners, those transfers may be processed through accounts maintained by licensed financial institutions. In such cases, Veep acts solely as a technology platform provider that facilitates coordination between users and participating partners. Financial institutions and payment processors participating in the Service may be subject to separate regulatory requirements governing their operations. Users acknowledge that the availability of earned wage access depends on information received from employers, payroll providers, financial institutions, or other authorized partners.

Veep does not independently verify payroll records or employment data and is not responsible for inaccuracies in such information. If payroll data or employer records indicate that a user has received funds in excess of their actual Earned Wages, Veep reserves the right to correct the discrepancy and recover any excess amounts through authorized repayment mechanisms. Users acknowledge that earned wage calculations may be based on estimates derived from available data sources. Such estimates may change as additional information becomes available or as payroll records are updated. Nothing in these Terms shall be interpreted as creating a lending relationship between Veep and the user. The Service is provided as a technology platform designed to facilitate access to earned wages through integrations with employers, payroll providers, financial institutions, and other authorized partners.

3. Eligibility

Access to and use of the Service is limited to individuals who meet the eligibility criteria established by Veep from time to time. By accessing or using the Service, you represent and warrant that you satisfy all eligibility requirements described in these Terms. To be eligible to use the Service, you must:

• be at least eighteen (18) years of age or the age of legal majority in your jurisdiction of residence • be a natural person using the Service for personal, non-commercial purposes • reside in a jurisdiction where the Service is lawfully offered and available • be employed by, or otherwise eligible through, a participating employer, payroll provider, financial institution, or other authorized partner

• maintain an active employment relationship or other qualifying income relationship where required for the Service • maintain a valid and active bank account or payment method capable of receiving funds transfers and authorizing settlement transactions • provide accurate, current, and complete information during account registration and throughout your use of the Service • comply with all applicable laws and regulations in connection with your use of the Service

Veep reserves the right, in its sole discretion, to determine whether any individual satisfies the eligibility requirements for the Service.

Eligibility may depend on a variety of factors, including but not limited to:

• the availability and reliability of payroll or income verification data • the continued participation of your employer, payroll provider, or financial institution in the Veep platform • applicable legal and regulatory requirements • geographic availability of the Service • fraud prevention and risk monitoring considerations • technical or operational limitations of the platform

Veep may establish or modify eligibility criteria at any time in order to comply with legal requirements, manage operational risk, or improve the integrity of the Service. Eligibility for the Service does not guarantee that all features of the Service will be available to you. Certain features may be subject to additional requirements, including identity verification procedures, account linking requirements, or transaction limits. If your employer, payroll provider, or financial institution ceases participation in the Veep platform, your eligibility for the Service may be reduced or terminated. Similarly, if payroll data, employment records, or other required information becomes unavailable or unreliable, Veep may limit your access to certain Service features.Veep may suspend or restrict access to the Service if it determines, in its reasonable discretion, that continued access presents a risk of fraud, misuse, regulatory non-compliance, or financial loss. You represent and warrant that all information you provide in connection with your eligibility and use of the Service is truthful, accurate, and complete. Providing false, misleading, or incomplete information may result in immediate suspension or termination of your access to the Service.

4. Account Registration and Account Security

4.1 Account Creation

In order to access certain features of the Service, you may be required to create and maintain a user account (“Account”). During the registration process, you may be required to provide certain information necessary to establish and maintain your Account. This information may include, but is not limited to:

• your full legal name • email address and contact information • mobile phone number • employment information • payroll provider information • financial account information • bank routing and account numbers • identity verification information • device information • other information reasonably required to provide the Service

You agree that all information you provide during registration will be accurate, current, and complete. You are responsible for maintaining the accuracy of your account information and must promptly update any information that changes. Veep may rely on the information you provide to establish your eligibility, verify your identity, facilitate transfers, and provide the Service.

4.2 Account Credentials and Security

You are responsible for maintaining the confidentiality and security of your Account credentials.

Account credentials may include:

• passwords • authentication codes • one-time verification codes • biometric authentication data • device authentication credentials

You agree to take reasonable steps to protect your account credentials and prevent unauthorized access. You agree that you will not:

• share your account credentials with any third party • permit another person to access or use your Account • create multiple accounts for the purpose of circumventing platform limits • attempt to bypass authentication or security controls implemented by Veep

You are solely responsible for all activities conducted through your Account, whether authorized or unauthorized. If you believe your account has been compromised or accessed without authorization, you must notify Veep immediately.

4.3 Identity Verification and Fraud Prevention

In order to comply with applicable laws, prevent fraud, and protect the integrity of the Service, Veep may require identity verification before allowing access to certain features of the platform.

Verification procedures may include:

• verification of personal identifying information • verification of phone number or email address • device authentication • bank account ownership verification • employment verification • multi-factor authentication • additional security or fraud checks

You authorize Veep and its service providers to perform such verification procedures as reasonably necessary to confirm your identity and protect the platform.

Failure to complete identity verification procedures may limit or prevent access to certain features of the Service.

4.4 Monitoring and Fraud Detection

Veep may monitor account activity in order to detect fraudulent or suspicious behavior.

This monitoring may include:

• automated fraud detection systems • transaction monitoring • behavioral analysis • device and location monitoring

If Veep detects activity that it reasonably believes may involve fraud, abuse, or misuse of the Service, Veep may take actions including:

• suspending or restricting account access • delaying or canceling transactions • requesting additional verification information • terminating the account

Veep is not responsible for any losses arising from actions taken to prevent suspected fraud or unauthorized activity.

4.5 Account Suspension or Termination

Veep reserves the right to suspend, limit, or terminate your Account at any time if:

• you violate these Terms • fraudulent, abusive, or suspicious activity is detected

• required identity verification procedures cannot be completed • your employer or partner organization ceases participation in the Service • continued access poses a risk to the platform, other users, or Veep

Veep may also suspend or restrict access where required to comply with legal or regulatory obligations.

4.6 Account Closure

You may request to close your Account at any time by contacting Veep customer support.

Account closure may be delayed if:

• outstanding transfers remain unsettled • repayment obligations are pending • regulatory recordkeeping requirements apply

Even after account closure, certain provisions of these Terms will continue to apply, including provisions relating to dispute resolution, limitation of liability, indemnification, and data retention.

5. Employer and Payroll Data Authorization

5.1 Authorization to Access Employment and Payroll Information

In order to provide the Service, Veep may need to access, retrieve, process, and use certain information relating to your employment, compensation, payroll activity, and other income-related information. By using the Service, you expressly authorize Veep and its authorized service providers to access, collect, retrieve, and process employment and payroll information from your employer, payroll provider, financial institution, or other authorized data sources for the purpose of providing and operating the Service.

This authorization includes the ability for Veep to obtain and process information such as:

• hours worked • compensation or wage information • payroll schedules and pay dates • historical payroll records • employment status • employer identification data • deductions and adjustments • timekeeping information • other information reasonably necessary to determine estimated earned wages.

You acknowledge and agree that Veep may obtain this information directly from your employer, payroll provider, or other authorized systems through technical integrations, secure data feeds, or other data access mechanisms.

5.2 Authorization to Access Financial Account Information

Where the Service requires linking a financial account, you authorize Veep and its authorized service providers to access and retrieve financial account information necessary to provide the Service.

This may include:

• bank account ownership information • account balances • transaction history • account verification information • routing and account numbers

Financial account connectivity may be facilitated through third-party financial data aggregation providers. Your use of such services may also be subject to the terms and privacy policies of those providers.

5.3 Data Processing and Use of Payroll Information

You authorize Veep to use employment, payroll, and financial data for purposes including:

• determining estimated earned wages • verifying employment status • facilitating earned wage access transfers • processing repayment transactions • performing identity verification procedures • detecting and preventing fraud • complying with legal or regulatory obligations • improving the functionality and performance of the Service

Veep will process such information in accordance with its Privacy Policy and applicable data protection laws.

5.4 Accuracy of Employer and Payroll Data

The Service relies on information provided by employers, payroll providers, financial institutions, and other third-party data sources. Veep does not independently verify the accuracy of payroll or employment data received from these sources. You acknowledge that inaccuracies, delays, or errors in employer-provided data may affect the calculation of estimated earned wages. Veep is not responsible for inaccuracies or discrepancies resulting from incorrect or incomplete data provided by employers, payroll providers, or other third parties.

5.5 Employer Participation

Access to certain features of the Service may depend on the continued participation of your employer or payroll provider in the Veep platform. If your employer ceases participation in the Service or terminates its integration with Veep, certain Service features may become unavailable. Veep is not responsible for any interruption or limitation of the Service resulting from an employer’s decision to discontinue participation.

5.6 Revocation of Authorization

You may revoke your authorization for Veep to access payroll or financial account data by discontinuing use of the Service or disconnecting the relevant integrations.

However, revocation of such authorization may result in the suspension or termination of certain Service features. Where necessary to comply with legal obligations or complete pending transactions, Veep may retain and continue processing certain information after revocation of authorization.

6. Earned Wage Calculation, Availability, and Transfer Limits

6.1 Estimated Earned Wages

The Veep platform may provide users with an estimate of wages that have been earned but not yet paid through the employer’s normal payroll process (“Earned Wages”). Earned Wage calculations may be based on a variety of information sources, including:

• employer payroll systems • payroll processor data • timekeeping systems • employment records • historical payroll information • other income-related data

The calculation of Earned Wages is based on information available at the time of the estimate. Because payroll records may change or be updated, the amount of Earned Wages displayed through the Service may be adjusted from time to time.

6.2 No Guarantee of Wage Availability

The display of estimated Earned Wages within the Service does not guarantee that such wages are available for transfer through the Service.

Veep may limit or restrict access to Earned Wages based on operational, legal, or risk considerations.

Factors that may affect the availability of Earned Wage transfers include:

• employer participation in the platform • payroll data availability • identity verification status • transaction limits • fraud monitoring systems • technical or operational limitations • compliance with applicable laws or regulatory requirements

6.3 Transfer Requests

Eligible users may request a transfer of a portion of their estimated Earned Wages prior to their scheduled payday. Transfer requests may be submitted through the Veep platform. Upon receiving a transfer request, Veep may evaluate the request based on various factors including eligibility criteria, transfer limits, fraud monitoring systems, and operational constraints. Veep may approve, decline, delay, or modify any transfer request in its discretion.

6.4 Transfer Limits

Veep may impose limits on the amount of Earned Wages that may be accessed prior to payday. Such limits may include:

• maximum transfer amounts per transaction • maximum transfer amounts per pay period • limits based on a percentage of estimated Earned Wages • limits on the frequency of transfers

These limits may vary based on factors including:

• employer policies • payroll system capabilities • identity verification status • transaction history • fraud risk assessments • operational constraints

Veep reserves the right to modify transfer limits at any time.

6.5 Repayment and Payroll Reconciliation

When you request a transfer of Earned Wages through the Service, the amount transferred will typically be recovered from your next payroll payment or through other authorized settlement mechanisms.

Repayment may occur through methods including:

• payroll reconciliation through your employer • authorized ACH debit transactions • settlement through participating financial institutions

You authorize Veep and its authorized partners to initiate settlement transactions in accordance with these Terms and applicable law.

6.6 Adjustments and Corrections

If Veep determines that a transfer was made in excess of your actual Earned Wages due to inaccurate payroll data, system errors, or other circumstances, Veep reserves the right to correct the discrepancy. Such corrections may include:

• adjusting future transfer availability • initiating authorized repayment transactions • recovering excess funds through lawful means

6.7 Delays and Processing Times

Transfer processing times may vary depending on factors including:

• the selected transfer method • banking network processing times • identity verification procedures

• fraud prevention checks • operational or technical constraints

Veep does not guarantee that transfers will be completed within any specific time frame.

6.8 Service Interruptions

The availability of Earned Wage transfers may be affected by service interruptions, technical maintenance, system outages, or third-party provider disruptions. Veep is not responsible for delays or interruptions resulting from such circumstances.

7. Fees, Transaction Disclosures, and Payment Processing

7.1 Overview of Fees

Veep may charge certain fees in connection with the use of the Service. Any applicable fees will be clearly disclosed to you through the Veep platform before you confirm a transaction or otherwise incur the fee. Fees may vary depending on the features used, the transfer method selected, the speed of delivery, or the involvement of third-party partners. By initiating a transaction through the Service after being presented with the applicable fee disclosures, you authorize Veep and its partners to collect the disclosed fees. Unless otherwise expressly stated, all fees are non-refundable.

7.2 Types of Fees

Fees associated with the Service may include, without limitation:

• expedited transfer fees • instant delivery fees • optional service fees • partner processing fees • transaction processing fees • account-related service fees • returned payment or failed debit fees where permitted by law

Certain features of the Service may be available without fees, while other features may require payment of fees. The specific fees applicable to your use of the Service will be disclosed within the platform prior to confirming a transaction.

7.3 Third-Party Fees

In addition to fees charged by Veep, third-party providers such as banks, payment processors, or financial institutions may impose their own fees. Examples of such fees may include:

• bank transfer fees • ACH processing fees • debit network fees • payment network charges • fees imposed by your financial institution

Veep does not control and is not responsible for fees charged by third-party providers. You are responsible for reviewing the terms and fee schedules of your financial institution or payment provider.

7.4 Transaction Authorization

By submitting a transfer request through the Service, you authorize Veep and its authorized partners to process the transaction in accordance with your instructions. This authorization includes permission to:

• initiate funds transfers to your designated financial account • process applicable fees associated with the transaction • initiate settlement or repayment transactions where applicable

Once a transaction has been authorized and submitted for processing, it may not be possible to cancel or reverse the transaction.

7.5 Payment Processing

Funds transfers initiated through the Service may be processed through various payment networks or financial institutions. These networks may include:

• Automated Clearing House (ACH) networks • debit card networks • real-time payment systems • banking partner payment systems • other electronic funds transfer systems

Processing times may vary depending on the selected transfer method, the processing schedules of financial institutions, and the availability of payment networks. Veep does not guarantee the timing of funds availability.

7.6 Failed or Returned Transactions

If a repayment transaction or authorized debit fails due to insufficient funds, account closure, or other reasons, Veep may attempt to process the transaction again in accordance with applicable law.

Repeated failed transactions may result in:

• suspension of access to the Service • reduction in transfer limits • account restrictions • termination of the account

Veep reserves the right to recover any amounts owed through lawful means.

7.7 Transaction History and Records

The Veep platform may provide users with access to transaction history and records relating to transfers, repayments, and fees. Users are responsible for reviewing their transaction history and notifying Veep promptly of any discrepancies. The availability of transaction records may depend on system availability and data retention policies.

7.8 Changes to Fees

Veep reserves the right to modify or introduce new fees associated with the Service at any time. Where required by law, Veep will provide advance notice of material changes to fees. Continued use of the Service after fee changes become effective constitutes acceptance of the updated fees.

8. Electronic Communications and E-SIGN Consent

8.1 Consent to Electronic Communications

By creating an account or using the Service, you consent to receive electronic communications from Veep and its authorized partners. These communications may include:

• account notifications • transaction confirmations • regulatory disclosures • privacy notices • updates to these Terms • service announcements • fraud or security alerts • customer support communications

Electronic communications may be delivered through:

• email • in-app messages • SMS or text messages • website notifications • push notifications through the mobile application

You agree that electronic communications satisfy any legal requirement that such communications be provided in writing.

8.2 E-SIGN Consent

You acknowledge and agree that your electronic consent to these Terms and to any other agreements, notices, or disclosures provided through the Service constitutes your legally binding signature. By agreeing to receive documents electronically, you consent to the use of electronic

records and electronic signatures in accordance with the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and other applicable laws. Your consent applies to all records relating to your use of the Service, including:

• these Terms of Service • privacy policies • transaction disclosures • fee disclosures • regulatory notices • arbitration agreements • other communications relating to the Service

8.3 Hardware and Software Requirements

In order to receive and retain electronic communications, you must have access to:

• a device capable of accessing the internet • a current web browser that supports modern encryption protocols • an active email address • the ability to view PDF documents where applicable

You are responsible for maintaining the hardware and software necessary to access electronic communications.

8.4 Withdrawal of Consent

You may withdraw your consent to receive electronic communications at any time by contacting Veep customer support.

However, withdrawing consent may result in:

• termination of your access to certain features of the Service • suspension of your account • inability to complete transactions through the platform

This is because certain communications must be delivered electronically in order for the Service to function.

8.5 Updating Contact Information

You are responsible for maintaining accurate contact information associated with your account. This includes ensuring that your email address and phone number remain current and capable of receiving communications. Failure to update your contact information may result in missed communications relating to transactions, security alerts, or account changes.

8.6 Electronic Record Retention

You should retain copies of important electronic communications for your records. Veep may maintain electronic records relating to your account and transactions in accordance with its data retention policies and applicable legal requirements. However, Veep does not guarantee that records will remain available indefinitely.

9. Bank Account Authorization, Payment Processing, and ACH Debit Authorization

9.1 Linking a Bank or Financial Account

In order to use certain features of the Service, including receiving transfers of Earned Wages or authorizing settlement transactions, you may be required to link one or more bank accounts or other financial accounts to your Veep account (each, a “Linked Account”). A Linked Account may include:

• a checking account • a savings account • a debit card account • another eligible financial account capable of receiving or sending electronic funds transfers

By linking a financial account to the Service, you represent and warrant that:

• you are the legal owner or an authorized user of the Linked Account • you have full authority to authorize electronic funds transfers from the Linked Account

• the information you provide regarding the Linked Account is accurate and complete • the Linked Account is in good standing and capable of processing electronic transfers

You agree not to link any financial account that you do not own or have authorization to use. You further agree to maintain at least one valid Linked Account while using the Service where required for settlement or repayment purposes.

If a Linked Account becomes inactive, closed, restricted, or otherwise unavailable, you agree to promptly update your account information. Failure to maintain a valid Linked Account may result in suspension of certain Service features.

9.2 Authorization to Initiate Electronic Fund Transfers

By linking a financial account and using the Service, you authorize Veep, its service providers, financial institutions, and payment processors to initiate electronic funds transfers to and from your Linked Account as necessary to provide the Service. This authorization includes permission to initiate:

• credit transactions to your Linked Account in connection with Earned Wage transfers • debit transactions from your Linked Account to settle amounts previously transferred to you • debit transactions for applicable service fees where disclosed and permitted by law • debit or credit transactions to correct processing errors • debit transactions associated with returned or reversed payments

These transfers may be processed through one or more electronic payment networks, including:

• the Automated Clearing House (ACH) network • debit card payment networks • real-time payment systems • banking partner payment infrastructure • other electronic funds transfer networks

You acknowledge that once a payment instruction has been submitted for processing, it may not be possible to cancel or reverse the transaction.

9.3 Authorization for Recurring Settlement Transactions

Where repayment of transferred funds occurs through authorized debits from your Linked Account, you authorize Veep and its authorized partners to initiate recurring electronic debit transactions from the Linked Account. These transactions may occur:

• on or shortly after your scheduled payroll date • after payroll settlement occurs • at another time reasonably necessary to settle outstanding transfers

The amount of each debit transaction will generally correspond to the amount previously transferred to you through the Service, together with any applicable fees disclosed to you.

9.4 Authorization for Corrective Transactions

You authorize Veep and its authorized partners to initiate additional debit or credit transactions to correct errors, reverse duplicate transactions, or reconcile discrepancies in connection with transactions processed through the Service. These corrective transactions may be initiated where:

• a transaction was processed in error • duplicate transactions occurred • incorrect transaction amounts were processed • a payment network reversal is required

9.5 Timing and Processing of Transfers

Electronic funds transfers initiated through the Service may take varying amounts of time to process depending on the payment network used and the policies of financial institutions involved in the transaction. Factors that may affect processing time include:

• the payment network used • processing schedules of financial institutions • weekends and federal banking holidays

• identity verification procedures • fraud monitoring checks • network congestion or system outages

While Veep may provide estimated transfer timing within the platform, such estimates are not guarantees.

9.6 Returned, Failed, or Rejected Transactions

Electronic debit transactions initiated under these Terms may fail or be returned for various reasons, including:

• insufficient funds in the Linked Account • account closure or restriction • invalid account information • payment network errors • actions taken by your financial institution

If a transaction is returned or rejected, Veep may attempt to reinitiate the transaction in accordance with applicable law and payment network rules. Repeated returned transactions may result in:

• suspension of access to the Service • reduction of transfer limits • additional verification requirements • termination of your account

You agree to maintain sufficient funds in your Linked Account to satisfy authorized debit transactions.

9.7 Revocation of Authorization

You may revoke authorization for Veep to initiate electronic debit transactions from your Linked Account by contacting Veep customer support and removing the Linked Account from your account settings. However, revocation of authorization may result in:

• suspension of earned wage transfer functionality • inability to complete pending transactions • termination of certain Service features

Revocation of authorization will not affect transactions that have already been initiated.

9.8 Compliance with Payment Network Rules

Electronic transfers processed through the Service may be subject to the rules of applicable payment networks and financial institutions. These rules may include, without limitation, the NACHA Operating Rules governing ACH transactions. By using the Service, you agree to comply with all applicable payment network rules and requirements.

10. Error Resolution and Dispute Procedures

10.1 Reporting Suspected Errors

If you believe that an error has occurred in connection with a transaction processed through the Service, you must notify Veep as soon as possible. Examples of potential errors include:

• unauthorized transactions • incorrect transaction amounts • duplicate transactions • transfers that were not received • transactions processed without your authorization

Prompt reporting of suspected errors may help prevent additional unauthorized transactions and facilitate faster resolution.

10.2 Methods for Reporting Errors

Suspected errors may be reported by contacting Veep customer support using the contact information provided in these Terms. Reports should include sufficient detail to allow Veep to investigate the issue. Where possible, you should include:

• your name and account information • the date of the transaction • the transaction amount • a description of the suspected error • any relevant supporting documentation

Failure to provide sufficient information may delay the investigation process.

10.3 Investigation of Reported Errors

Upon receiving notice of a suspected error, Veep may initiate an investigation to determine whether an error occurred. This investigation may include:

• reviewing transaction records maintained by Veep • reviewing payroll or employer data used to calculate Earned Wages • reviewing records maintained by financial institutions or payment processors • contacting third-party service providers involved in the transaction

Where necessary, Veep may request additional information from you in order to complete the investigation.

10.4 Resolution of Errors

If Veep determines that an error occurred, Veep will take appropriate corrective action.

Corrective actions may include:

• reversing the affected transaction • issuing a corrective credit to your Linked Account • adjusting future transfer availability • implementing other remedies reasonably necessary to resolve the issue

If Veep determines that no error occurred, Veep will notify you of the outcome of the investigation.

10.5 Timeframes for Investigations

The time required to complete an investigation may vary depending on the nature and complexity of the issue. Factors that may affect investigation timelines include:

• the availability of transaction records • the involvement of financial institutions or payment processors • the need to review payroll or employer data • the complexity of the reported issue

Veep will use commercially reasonable efforts to investigate and resolve reported errors in a timely manner.

10.6 Unauthorized Account Access

If you believe that your Veep account has been accessed without authorization, you must notify Veep immediately. Prompt notification may help prevent further unauthorized transactions. You are responsible for taking reasonable steps to protect the security of your account credentials.

10.7 Limitations on Error Liability

To the extent permitted by applicable law, Veep is not responsible for errors caused by:

• inaccurate or delayed payroll data provided by employers or payroll processors • incorrect financial account information provided by users • failures or delays in financial institution systems • payment network interruptions or outages • user errors in initiating or authorizing transactions

10.8 Cooperation with Investigations

You agree to cooperate with Veep and its service providers in connection with investigations relating to suspected errors or unauthorized activity. This cooperation may include providing additional documentation or information reasonably requested by Veep.

11. Acceptable Use and Prohibited Conduct

11.1 Permitted Use of the Service

The Service is provided solely for lawful personal use by eligible individuals in connection with accessing and managing Earned Wages through the Veep platform. You agree to use the Service only for its intended purposes and in accordance with these Terms and all applicable laws and regulations. Your use of the Service must not interfere with the integrity, security, or proper functioning of the platform.

11.2 Prohibited Activities

You agree that you will not engage in any activity that interferes with or disrupts the operation of the Service.

Without limiting the foregoing, you agree that you will not:

• use the Service for any unlawful purpose • violate any applicable law or regulation in connection with the Service • engage in fraudulent activity or attempt to misrepresent your identity • provide false, inaccurate, or misleading information to Veep or its partners • attempt to obtain Earned Wage transfers based on inaccurate employment information • attempt to manipulate or falsify payroll data • attempt to access funds that you have not earned

You also agree not to:

• attempt to gain unauthorized access to the Service or Veep systems • interfere with security features of the Service • probe, scan, or test system vulnerabilities • bypass authentication or identity verification procedures • access accounts belonging to other users

11.3 Restrictions on Automated Use

You agree not to use automated tools to interact with the Service. Prohibited automated activities include:

• bots • automated scripts • web crawlers • scraping tools • data harvesting software • automated account creation tools

Any attempt to access or interact with the Service using automated systems without Veep’s written authorization is prohibited.

11.4 Reverse Engineering and Platform Interference

You may not:

• reverse engineer the Service • decompile or disassemble any part of the platform • attempt to derive the source code of the Service • create derivative works based on the Service • replicate or mirror the platform

You may not interfere with the operation of the Service by introducing:

• malicious code • viruses • worms • Trojan horses • harmful scripts

11.5 Account Misuse and Unauthorized Access

You may not:

• share your account credentials with another person • permit another person to use your account

• create multiple accounts to circumvent platform limits • attempt to access funds using multiple accounts

Accounts must be used only by the individual to whom the account is registered.

11.6 Financial Misuse and Fraud

You agree not to use the Service in connection with any fraudulent, deceptive, or abusive activity. Prohibited conduct includes, but is not limited to:

• misrepresenting employment status • falsifying payroll information • attempting to access wages that have not been earned • intentionally initiating transactions that you know will fail • using the Service to facilitate fraud or financial abuse

11.7 Regulatory and Sanctions Compliance

You agree not to use the Service in violation of any applicable financial regulations or sanctions laws. Without limitation, you may not use the Service if you are:

• located in a jurisdiction subject to comprehensive U.S. economic sanctions • listed on sanctions lists maintained by the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC) • acting on behalf of a sanctioned individual or entity

Veep reserves the right to restrict access to the Service in order to comply with legal or regulatory obligations.

11.8 Monitoring and Enforcement

Veep reserves the right to monitor use of the Service in order to detect violations of these Terms. If Veep determines that a user has violated these Terms or engaged in prohibited conduct, Veep may take actions including:

• suspending access to the Service • terminating the user’s account • restricting access to certain features • reporting the activity to relevant authorities where required

11.9 Liability for Misuse

You are responsible for all activities conducted through your account. You agree to indemnify and hold harmless Veep and its partners from any claims, damages, or losses arising from your misuse of the Service or violation of these Terms.

12. Third-Party Services, Integrations, and Data Providers

12.1 Use of Third-Party Services

The Service may integrate with third-party systems, services, and platforms in order to provide functionality. These third-party services may include:

• payroll providers • financial institutions • banking partners • payment processors • financial data aggregation providers • identity verification services • fraud prevention providers • cloud infrastructure providers

Your use of the Service may involve the transmission of data to and from such third-party providers.

12.2 Financial Data Aggregation Services

In order to connect financial accounts or verify account ownership, Veep may rely on third-party financial data aggregation providers. These providers may access financial account information on your behalf. By linking your financial account through the Service, you authorize such providers to retrieve financial information from your financial institution. Your use of these

services may also be subject to the terms and privacy policies of the applicable data aggregation provider.

12.3 Payroll and Employment Data Providers

The Service may rely on integrations with payroll systems, timekeeping systems, or employer-provided data sources. Veep may receive payroll and employment data through:

• payroll software integrations • employer data feeds • payroll processor systems • other authorized employment data sources

Veep does not control these systems and is not responsible for inaccuracies, delays, or failures associated with such data.

12.4 Financial Institution Partners

Certain features of the Service may be provided in coordination with financial institutions or banking partners. Financial institutions may provide services including:

• payment processing • settlement services • funds transfer capabilities • compliance monitoring

These institutions operate under their own regulatory obligations and may impose additional requirements.

12.5 Third-Party Terms and Policies

Your interactions with third-party services accessed through the Service may be subject to additional terms and conditions imposed by those providers. Veep is not responsible for the content, policies, or practices of third-party services. You should review the applicable terms and privacy policies of third-party providers before using their services.

12.6 Availability of Third-Party Services

The availability of certain Service features may depend on the continued availability of third-party services and integrations. If a third-party service becomes unavailable, Veep may suspend or discontinue related Service features without liability.

12.7 No Endorsement of Third-Party Providers

The inclusion of third-party services within the Service does not constitute an endorsement or recommendation by Veep. Veep does not guarantee the quality, reliability, or security of third-party services.

12.8 Limitation of Responsibility for Third-Party Services

To the fullest extent permitted by law, Veep is not responsible for any loss, damage, or liability arising from:

• failures of third-party systems • delays caused by third-party providers • inaccuracies in data received from third-party sources • actions taken by financial institutions or payroll providers

13. Intellectual Property Rights

13.1 Ownership of the Service

The Service, including all software, technology, algorithms, databases, designs, user interfaces, graphics, trademarks, service marks, trade names, logos, and other content made available through the Service (collectively, the “Veep Materials”), are the exclusive property of Veep or its licensors and are protected by applicable intellectual property laws.

These laws may include, without limitation:

• copyright laws • trademark laws • patent laws

• trade secret laws • other proprietary rights and intellectual property protections

Except as expressly permitted under these Terms, no rights are granted to you with respect to the Veep Materials.

13.2 Limited License to Use the Service

Subject to your compliance with these Terms, Veep grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal, non-commercial use. This license is granted solely for the purpose of enabling you to use the functionality of the Service as intended. You may not:

• copy or reproduce the Service or Veep Materials • modify or create derivative works based on the Service • distribute or publicly display any part of the Service • sublicense or transfer the Service to another party • access the Service for purposes of building a competing product

Any rights not expressly granted under these Terms are reserved by Veep.

13.3 Restrictions on Use of Veep Materials

You agree that you will not:

• reverse engineer the Service • decompile or disassemble the platform • attempt to derive the source code of the software • circumvent technological protection measures used by Veep • use the Service to develop competing products or services

You may not remove, alter, or obscure any copyright notices, trademarks, or proprietary rights notices displayed within the Service.

13.4 User Feedback and Suggestions

From time to time, users may provide Veep with feedback, suggestions, ideas, or recommendations regarding improvements to the Service (“Feedback”). By submitting Feedback to Veep, you grant Veep a perpetual, irrevocable, worldwide, royalty-free license to use, modify, incorporate, and commercialize such Feedback without restriction or compensation to you. Veep is under no obligation to implement or acknowledge Feedback provided by users.

13.5 Data and Analytics

In connection with the operation of the Service, Veep may collect and analyze information relating to the performance, usage, and operation of the platform. Such information may include:

• system performance data • usage statistics • aggregated transaction data • anonymized analytics

Veep may use this information to:

• improve and optimize the Service • develop new features or products • analyze platform performance • conduct research and analytics

Any aggregated or anonymized data generated through use of the Service shall be the exclusive property of Veep.

13.6 Trademark Rights

The Veep name, logos, and related branding elements are trademarks or service marks of Veep. You may not use Veep’s trademarks without prior written permission. Unauthorized use of Veep trademarks may violate trademark laws and other applicable regulations.

13.7 Third-Party Intellectual Property

The Service may incorporate technology, software, or content licensed from third parties. All such third-party materials remain the property of their respective owners and may be subject to

additional licensing terms. Nothing in these Terms grants you rights to third-party intellectual property beyond what is necessary to use the Service.

14. Service Availability, Maintenance, and Modifications

14.1 Availability of the Service

Veep makes reasonable efforts to maintain the availability and functionality of the Service. However, the Service is provided on an “as is” and “as available” basis, and Veep does not guarantee that the Service will be available at all times or free from interruptions. Service availability may be affected by factors including:

• scheduled maintenance • system upgrades or updates • failures of third-party systems • network outages • security incidents • other technical or operational issues

14.2 Scheduled Maintenance

Veep may periodically perform maintenance on the Service in order to improve performance, security, or functionality. During such maintenance periods, the Service or certain features may become temporarily unavailable. Where reasonably practicable, Veep may provide advance notice of scheduled maintenance. However, Veep reserves the right to perform maintenance without prior notice where necessary to protect the integrity or security of the platform.

14.3 System Updates and Improvements

Veep continually seeks to improve the functionality and performance of the Service. Accordingly, Veep may deploy updates, upgrades, or modifications to the Service at any time. Such changes may include:

• improvements to existing features • introduction of new features • removal of outdated features • changes to system architecture or integrations

Users may be required to update mobile applications or software in order to continue using the Service.

14.4 Modification or Discontinuation of the Service

Veep reserves the right to modify, suspend, or discontinue any aspect of the Service at any time.This may include:

• modification of platform functionality • changes to service features • suspension of specific features • termination of the Service entirely

Where reasonably practicable, Veep may provide advance notice of material changes to the Service. However, Veep is not obligated to maintain any specific feature indefinitely.

14.5 Dependence on Third-Party Systems

Certain components of the Service rely on third-party systems and infrastructure.

These may include:

• payroll systems • financial institutions • payment networks • data aggregation providers • cloud infrastructure providers

Failures or interruptions in third-party systems may affect the availability or functionality of the Service. Veep is not responsible for outages, errors, or interruptions caused by third-party systems.

14.6 Platform Security

Veep implements security measures designed to protect the integrity of the platform and user information. However, no system can be completely secure. Users acknowledge that the internet and electronic communication networks are inherently subject to security risks.

Veep does not guarantee that the Service will be free from:

• unauthorized access • hacking attempts • malicious attacks • data interception

Users are responsible for maintaining the security of their own devices and account credentials.

14.7 Temporary Suspension of Service

Veep may temporarily suspend access to the Service where reasonably necessary to:

• investigate suspected fraud or misuse • protect the security of the platform • comply with legal or regulatory requirements • address technical issues affecting the Service

Veep will use commercially reasonable efforts to restore access as soon as practicable.

14.8 No Guarantee of Continuous Operation

To the fullest extent permitted by law, Veep disclaims any obligation to ensure uninterrupted or continuous operation of the Service. Users acknowledge that temporary interruptions may occur as part of normal system operations.

15. Disclaimer of Warranties

15.1 Service Provided “As Is” and “As Available”

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL RELATED SOFTWARE, TECHNOLOGY, CONTENT, DATA, AND FUNCTIONALITY ARE PROVIDED BY VEEP ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS. VEEP AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE “VEEP PARTIES”) EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

THIS DISCLAIMER INCLUDES, WITHOUT LIMITATION, WARRANTIES RELATING TO:

• MERCHANTABILITY • FITNESS FOR A PARTICULAR PURPOSE • NON-INFRINGEMENT • TITLE • ACCURACY OR RELIABILITY OF INFORMATION • SYSTEM INTEGRITY • SYSTEM SECURITY • ERROR-FREE OPERATION • CONTINUOUS OR UNINTERRUPTED AVAILABILITY

THE VEEP PARTIES DO NOT WARRANT THAT THE SERVICE WILL:

• OPERATE WITHOUT INTERRUPTION • BE FREE FROM ERRORS OR DEFECTS • BE FREE FROM VIRUSES OR MALICIOUS CODE • MEET YOUR EXPECTATIONS OR REQUIREMENTS • FUNCTION WITH ALL THIRD-PARTY SYSTEMS

15.2 No Warranty Regarding Earned Wage Calculations

THE SERVICE MAY DISPLAY ESTIMATES OF WAGES THAT HAVE BEEN EARNED BUT NOT YET PAID. THESE ESTIMATES ARE BASED ON INFORMATION PROVIDED BY EMPLOYERS, PAYROLL PROVIDERS, FINANCIAL INSTITUTIONS, OR OTHER THIRD-PARTY DATA SOURCES.

VEEP DOES NOT WARRANT OR GUARANTEE THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY EARNED WAGE CALCULATION OR ESTIMATE. EARNED WAGE ESTIMATES MAY BE AFFECTED BY:

• DELAYS IN PAYROLL DATA UPDATES • INACCURATE EMPLOYER INFORMATION • PAYROLL CORRECTIONS OR ADJUSTMENTS • CHANGES IN EMPLOYMENT STATUS • SYSTEM PROCESSING DELAYS • THIRD-PARTY DATA ERRORS

YOU ACKNOWLEDGE THAT THE AMOUNT OF EARNED WAGES AVAILABLE THROUGH THE SERVICE MAY CHANGE AT ANY TIME.

15.3 No Warranty Regarding Financial Transactions

THE SERVICE FACILITATES ELECTRONIC FUNDS TRANSFERS THROUGH THIRD-PARTY PAYMENT NETWORKS AND FINANCIAL INSTITUTIONS.

VEEP DOES NOT WARRANT OR GUARANTEE:

• THE SPEED OF FUNDS TRANSFERS • THE AVAILABILITY OF PAYMENT NETWORKS • THE PERFORMANCE OF BANKING PARTNERS • THE AVAILABILITY OF FINANCIAL ACCOUNT INTEGRATIONS

TRANSFER TIMING AND AVAILABILITY ARE SUBJECT TO THE POLICIES AND OPERATIONAL PROCEDURES OF FINANCIAL INSTITUTIONS AND PAYMENT NETWORKS.

15.4 No Warranty Regarding Third-Party Services

THE SERVICE MAY RELY ON THIRD-PARTY SERVICES INCLUDING:

• PAYROLL PROVIDERS • FINANCIAL INSTITUTIONS • PAYMENT PROCESSORS • DATA AGGREGATION PROVIDERS • IDENTITY VERIFICATION PROVIDERS • CLOUD INFRASTRUCTURE PROVIDERS

THE VEEP PARTIES DO NOT WARRANT THE PERFORMANCE, RELIABILITY, SECURITY, OR AVAILABILITY OF ANY THIRD-PARTY SERVICE. ANY FAILURES, INTERRUPTIONS, OR ERRORS CAUSED BY THIRD-PARTY PROVIDERS ARE OUTSIDE OF VEEP’S CONTROL.

15.5 No Financial, Legal, or Tax Advice

THE SERVICE MAY PROVIDE INFORMATION RELATING TO:

• EARNED WAGES • TRANSACTIONS • ACCOUNT ACTIVITY • FINANCIAL DATA

THIS INFORMATION IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE:

• FINANCIAL ADVICE • INVESTMENT ADVICE • LEGAL ADVICE • TAX ADVICE

YOU SHOULD CONSULT APPROPRIATE PROFESSIONAL ADVISORS BEFORE MAKING FINANCIAL OR LEGAL DECISIONS.

15.6 Internet and Cybersecurity Risks

YOU ACKNOWLEDGE THAT THE INTERNET AND ELECTRONIC COMMUNICATION NETWORKS ARE INHERENTLY SUBJECT TO SECURITY RISKS. THE VEEP PARTIES DO NOT WARRANT THAT THE SERVICE WILL BE FREE FROM:

• UNAUTHORIZED ACCESS • HACKING ATTEMPTS • MALWARE OR VIRUSES • CYBERATTACKS • DATA INTERCEPTION

YOU ARE RESPONSIBLE FOR MAINTAINING THE SECURITY OF YOUR DEVICES AND ACCOUNT CREDENTIALS.

15.7 Regulatory and Legal Compliance

VEEP MAKES NO REPRESENTATION THAT THE SERVICE IS APPROPRIATE OR AVAILABLE FOR USE IN ALL JURISDICTIONS. USERS ARE RESPONSIBLE FOR COMPLYING WITH ALL APPLICABLE LAWS IN CONNECTION WITH THEIR USE OF THE SERVICE.

15.8 Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. TO THE EXTENT THAT SUCH WARRANTIES CANNOT BE DISCLAIMED UNDER APPLICABLE LAW, THE DISCLAIMERS IN THIS SECTION SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

16. Limitation of Liability

16.1 Exclusion of Indirect and Consequential Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE VEEP PARTIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THE SERVICE.

THIS INCLUDES, WITHOUT LIMITATION, DAMAGES RELATING TO:

• LOSS OF PROFITS • LOSS OF REVENUE • LOSS OF DATA • LOSS OF BUSINESS OPPORTUNITIES • LOSS OF GOODWILL • BUSINESS INTERRUPTION

THIS EXCLUSION APPLIES REGARDLESS OF THE LEGAL THEORY UNDER WHICH DAMAGES ARE CLAIMED.

16.2 Limitation on Direct Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE VEEP PARTIES ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF:

• THE TOTAL AMOUNT OF FEES PAID BY YOU TO VEEP DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR • ONE HUNDRED U.S. DOLLARS (USD $100)

THIS LIMITATION APPLIES REGARDLESS OF THE NUMBER OF CLAIMS ASSERTED.

16.3 Liability for Third-Party Services

THE VEEP PARTIES SHALL NOT BE LIABLE FOR DAMAGES ARISING FROM THE ACTS OR OMISSIONS OF THIRD-PARTY PROVIDERS, INCLUDING:

• FINANCIAL INSTITUTIONS • PAYROLL PROVIDERS • PAYMENT NETWORKS • DATA AGGREGATION SERVICES • CLOUD INFRASTRUCTURE PROVIDERS

THE SERVICE RELIES ON SUCH THIRD-PARTY PROVIDERS, AND THEIR PERFORMANCE IS OUTSIDE OF VEEP’S CONTROL.

16.4 Liability for Payroll or Employment Data

THE VEEP PARTIES SHALL NOT BE LIABLE FOR ANY DAMAGES RESULTING FROM:

• INACCURATE PAYROLL DATA PROVIDED BY EMPLOYERS • ERRORS IN EMPLOYMENT RECORDS • DELAYS IN PAYROLL INFORMATION • CHANGES IN EMPLOYMENT STATUS

THE SERVICE RELIES ON DATA PROVIDED BY THIRD PARTIES, AND VEEP DOES NOT CONTROL THE ACCURACY OF SUCH DATA.

16.5 Liability for Security Incidents

TO THE EXTENT PERMITTED BY LAW, THE VEEP PARTIES SHALL NOT BE LIABLE FOR DAMAGES ARISING FROM:

• CYBERATTACKS • DATA BREACHES • UNAUTHORIZED ACCESS TO USER ACCOUNTS • FAILURES OF INTERNET INFRASTRUCTURE

16.6 Allocation of Risk

YOU ACKNOWLEDGE THAT THE DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH IN THESE TERMS REPRESENT A REASONABLE ALLOCATION OF RISK BETWEEN YOU AND VEEP. THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE AGREEMENT BETWEEN YOU AND VEEP.WITHOUT THESE LIMITATIONS, VEEP WOULD NOT BE ABLE TO PROVIDE THE SERVICE.

16.7 Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS OF LIABILITY FOR CERTAIN DAMAGES. TO THE EXTENT THAT SUCH LIMITATIONS ARE NOT PERMITTED BY LAW, THE LIMITATIONS IN THIS SECTION SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED.

17. Indemnification

17.1 User Indemnification Obligations

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Veep Software Inc., together with its parent companies, subsidiaries, affiliates, successors, assigns, and each of their respective directors, officers, managers, members, employees, contractors, agents, representatives, licensors, vendors, service providers, financial institution partners, payment processors, technology vendors, and other third-party partners involved in providing the Service (collectively, the “Veep Parties”) from and against any and all claims, demands, actions, proceedings, investigations, damages, losses, liabilities, judgments, settlements, penalties, fines, costs, and expenses of any kind whatsoever, including without limitation reasonable attorneys’ fees, court costs, arbitration costs, expert witness fees, and investigation expenses, arising out of or relating to:

• your access to or use of the Service; • your violation of these Terms; • your violation of any applicable law, rule, or regulation; • your breach of any representation, warranty, or covenant made under these Terms; • any inaccurate, misleading, or fraudulent information provided by you; • your failure to maintain the confidentiality or security of your account credentials; • any unauthorized activity conducted through your account; • any misuse of the Service in connection with fraudulent or unlawful activity; • any attempt to circumvent the safeguards, transaction limits, or security controls implemented by Veep.

Your indemnification obligations apply regardless of whether such claims arise from actions taken directly by you or from actions taken by any third party acting on your behalf or using your account credentials.

17.2 Indemnification for Fraudulent or Unlawful Conduct

You further agree to indemnify and hold harmless the Veep Parties from any losses or liabilities arising out of or relating to fraudulent, deceptive, or unlawful activity conducted through your account or in connection with your use of the Service.

Such activity may include, without limitation:

• falsification of payroll or employment data; • attempts to obtain funds through misrepresentation; • unauthorized use of financial accounts or payment methods; • attempts to exploit vulnerabilities within the Service; • the use of multiple accounts to circumvent platform limits; • any conduct that violates applicable anti-fraud or consumer protection laws.

17.3 Indemnification for Third-Party Claims

You agree to indemnify the Veep Parties against any claims brought by third parties in connection with your use of the Service.

Such third parties may include, without limitation:

• employers or payroll providers; • financial institutions or banking partners; • payment processors or payment networks; • financial data aggregation providers; • identity verification providers; • regulatory authorities.

This includes any claims that arise from inaccurate or incomplete information you provide to Veep or its partners.

17.4 Defense and Settlement of Claims

Veep reserves the right, at its sole discretion and expense, to assume the exclusive defense and control of any matter subject to indemnification by you.

If Veep elects to assume such defense:

• you agree to cooperate fully with Veep in the defense of the claim; • you agree to provide any information or documentation reasonably requested by Veep; • you may not settle any such claim without Veep’s prior written consent.

Veep may select legal counsel of its choosing to represent the Veep Parties in connection with any such claim.

17.5 Independent Remedies

The indemnification obligations described in this section are in addition to, and not in lieu of, any other remedies available to Veep under law or equity. Nothing in this section limits Veep’s right to seek damages or other relief for violations of these Terms.

17.6 Survival of Indemnification Obligations

Your indemnification obligations shall survive termination of your account, termination of these Terms, and discontinuation of the Service.

18. Arbitration, Jury Trial Waiver, and Class Action Waiver

18.1 Agreement to Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY.

IT AFFECTS YOUR LEGAL RIGHTS.

You and Veep agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, your relationship with Veep, or any transactions conducted through the Service (collectively, “Disputes”) shall be resolved exclusively through binding arbitration

administered by the American Arbitration Association (“AAA”). Arbitration shall be conducted in accordance with the AAA Consumer Arbitration Rules, as modified by these Terms.

18.2 Seat and Location of Arbitration

Unless otherwise required by applicable law, the arbitration proceedings shall take place in Palm Beach County, Florida. The arbitration may be conducted in person, remotely, or through written submissions, as determined by the arbitrator in accordance with AAA rules.

18.3 Scope of Arbitration Agreement

This arbitration agreement applies to all claims arising under any legal theory, including:

• contract claims; • tort claims; • statutory claims; • consumer protection claims; • privacy and data protection claims; • claims relating to financial transactions or funds transfers; • claims arising from alleged violations of federal or state law.

The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this arbitration provision.

18.4 Informal Dispute Resolution Process

Before initiating arbitration, the parties agree to attempt to resolve any dispute informally.

The party initiating the dispute must provide written notice describing:

• the nature of the dispute; • the factual basis for the claim; • the specific relief requested.

The parties shall attempt in good faith to resolve the dispute within thirty (30) days of receiving such notice.

If the dispute is not resolved within that period, either party may initiate arbitration.

18.5 Arbitration Procedures

Arbitration shall be conducted by a single neutral arbitrator selected in accordance with the AAA rules.

The arbitrator shall have the authority to:

• determine the merits of any dispute; • award monetary damages; • grant injunctive or declaratory relief where permitted by law.

Judgment on the arbitration award may be entered in any court having jurisdiction.

18.6 Class Action Waiver

YOU AND VEEP AGREE THAT ANY DISPUTE SHALL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS.

YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN:

• CLASS ACTIONS; • COLLECTIVE ACTIONS; • REPRESENTATIVE ACTIONS; • PRIVATE ATTORNEY GENERAL ACTIONS.

The arbitrator may award relief only to the individual party seeking relief.

18.7 Jury Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND VEEP WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

18.8 Arbitration Opt-Out

You may opt out of the arbitration agreement by providing written notice to Veep within thirty (30) days of first accepting these Terms. Your notice must include:

• your full name; • the email address associated with your account; • a clear statement that you wish to opt out of arbitration.

18.9 Severability of Arbitration Provisions

If any portion of this arbitration section is determined to be unenforceable, the remaining portions shall remain enforceable to the maximum extent permitted by law.

19. Governing Law and Jurisdiction

19.1 Governing Law

These Terms of Service, and any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or the relationship between you and Veep Software Inc. (collectively, “Disputes”), shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles or rules that would otherwise require the application of the laws of another jurisdiction. The parties expressly agree that Florida law shall apply to the fullest extent permitted by applicable law.

19.2 Application of Florida Law

The application of Florida law shall govern, without limitation:

• the interpretation and enforcement of these Terms • the validity and enforceability of any provision of these Terms • any claim relating to the operation of the Service • any dispute relating to transactions conducted through the Service • any dispute relating to privacy, data protection, or financial transactions involving the Service.

19.3 Jurisdiction and Venue

To the extent that any dispute arising under these Terms is permitted to proceed in court rather than arbitration, the parties agree that such dispute shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida.

Each party hereby:

• irrevocably submits to the personal jurisdiction of such courts; • waives any objection to venue in such courts; • waives any claim that such courts constitute an inconvenient forum.

19.4 International Users

The Service is controlled and operated from within the United States. Veep makes no representation that the Service is appropriate or available for use outside the United States. Users who access the Service from outside the United States do so at their own risk and are responsible for compliance with applicable local laws.

19.5 Statute of Limitations

To the fullest extent permitted by law, any claim arising out of or relating to the Service must be filed within one (1) year after the cause of action arises, or such claim shall be permanently barred.

19.6 Regulatory Compliance

Nothing in these Terms shall be interpreted to require Veep to take any action that would violate applicable law or regulatory requirements. Veep reserves the right to take any action necessary to comply with applicable legal or regulatory obligations.

20. Miscellaneous Provisions

20.1 Entire Agreement

These Terms constitute the entire agreement between you and Veep Software Inc. regarding the Service and supersede any prior agreements, negotiations, representations, or understandings relating to the subject matter of these Terms. No oral statements or prior written materials not specifically incorporated herein shall have any force or effect.

20.2 Amendment of Terms

Veep reserves the right to modify or update these Terms from time to time. Any changes will become effective upon posting of the revised Terms on the Veep website or within the Service.

Where required by law, Veep may provide notice of material changes. Continued use of the Service after such changes become effective constitutes acceptance of the updated Terms.

20.3 Severability

If any provision of these Terms is determined by a court or arbitrator to be invalid, illegal, or unenforceable, such provision shall be enforced to the maximum extent permitted by law. The remaining provisions shall remain in full force and effect.

20.4 Waiver

The failure of Veep to enforce any provision of these Terms shall not constitute a waiver of that provision. Any waiver must be in writing and signed by an authorized representative of Veep.

20.5 Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms without the prior written consent of Veep. Veep may assign these Terms without restriction, including in connection with:

• mergers • acquisitions • corporate reorganizations • asset sales • financing transactions • transfers of business operations.

These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

20.6 Force Majeure

Veep shall not be liable for any failure or delay in performance resulting from events beyond its reasonable control, including but not limited to:

• acts of God • natural disasters • pandemics • power outages • cyberattacks • internet failures • governmental actions • labor disputes • failures of third-party service providers.

20.7 Electronic Communications

By using the Service, you consent to receive communications from Veep electronically.

Such communications may include:

• account notifications • transaction confirmations • legal notices • updates to these Terms.

Electronic communications shall satisfy any legal requirement that such communications be in writing.

20.8 Notices

Veep may provide notices to users through:

• email • in-app notifications • postings within the Service • postings on the Veep website.

Notices will be deemed received upon transmission.

20.9 Relationship of the Parties

Nothing in these Terms shall be deemed to create any partnership, joint venture, agency relationship, or employment relationship between you and Veep. You acknowledge that Veep acts solely as a technology platform provider.

20.10 Interpretation

In interpreting these Terms:

• headings are for convenience only and do not affect interpretation; • references to “including” mean “including without limitation”; • singular terms include the plural and vice versa where appropriate.

20.11 Survival

The following provisions shall survive termination of these Terms:

• intellectual property rights • disclaimers of warranties • limitations of liability • indemnification obligations • dispute resolution provisions • data protection provisions.

21. Economic Sanctions Compliance and Prohibited Jurisdictions

21.1 Compliance with U.S. Sanctions and Export Control Laws

Where the Service is made available through a participating financial institution or partner, settlement may occur through other authorized repayment mechanisms once wages are received.

21.2 OFAC Lists and Restricted Parties

Without limitation, the sanctions lists referenced above include:

• the OFAC Specially Designated Nationals (SDN) List • the OFAC Consolidated Sanctions List • other sanctions-related lists administered by the United States government.

You agree that you will not access or use the Service if you are subject to such restrictions.

21.3 Prohibited Jurisdictions

The Service may not be accessed or used in jurisdictions where the provision of the Service would violate applicable sanctions laws or regulatory restrictions. Veep reserves the right to restrict or terminate access to the Service from certain geographic locations where necessary to comply with legal obligations.

21.4 Sanctions Screening

In order to comply with applicable sanctions laws and regulatory obligations, Veep may conduct screening of users and transactions against sanctions lists and other regulatory databases. Such screening may include checks against:

• OFAC sanctions databases • politically exposed person (PEP) databases • international sanctions registries • fraud monitoring systems.

21.5 Monitoring and Blocking Transactions

Veep reserves the right to monitor transactions conducted through the Service and to block or reject transactions that may violate sanctions laws. Where appropriate, Veep may:

• block transactions; • suspend or terminate user accounts; • restrict access to certain platform features; • report suspicious activity to appropriate regulatory authorities.

21.6 Regulatory Reporting

Where required by applicable law, Veep may report certain activities or transactions to governmental or regulatory authorities. Such reporting may occur without prior notice to the user where permitted by law.

22. Anti-Money Laundering and Fraud Prevention

22.1 Financial Crime Prevention Framework

Although Veep operates as a technology platform and not as a bank, the Service may operate in coordination with financial institutions and payment processors that are subject to anti-money laundering (“AML”) and financial crime regulations. Accordingly, Veep may implement risk-based controls designed to prevent the use of the Service for unlawful activity, including fraud, financial abuse, or money laundering.

22.2 Transaction Monitoring Systems

Veep may monitor transactions conducted through the Service for the purpose of detecting suspicious or potentially unlawful activity. Monitoring procedures may include:

• automated transaction monitoring • behavioral analytics • anomaly detection algorithms • risk scoring mechanisms • pattern analysis of transaction activity.

22.3 Identity Verification Procedures

In order to prevent fraud and protect the integrity of the Service, Veep may require users to complete identity verification procedures before accessing certain features. Verification procedures may include:

• identity document verification • verification of bank account ownership • verification of employment information • biometric authentication where permitted by law.

22.4 Fraud Detection and Risk Management

Veep may use automated and manual processes to detect fraud or other prohibited activities. These processes may include:

• account activity monitoring • device identification technologies • IP address monitoring • cross-account behavioral analysis.

22.5 Account Restrictions

If Veep determines that activity associated with your account may involve fraud, financial abuse, or unlawful conduct, Veep may take appropriate action, including:

• suspending or terminating your account • restricting access to the Service • delaying or cancelling transactions • reporting activity to law enforcement or regulatory authorities.

22.6 Cooperation with Investigations

You agree to cooperate with Veep and its partners in connection with investigations relating to suspected fraud or unlawful activity. This may include providing documentation or other information reasonably requested by Veep.

23. Financial Data Protection and Security Safeguards

23.1 Protection of Financial Information

The Service may involve the collection, storage, and processing of financial information, including bank account details, payroll information, employment information, and transaction data. Veep maintains administrative, technical, and physical safeguards designed to protect the confidentiality and integrity of such information.

23.2 Administrative Safeguards

Administrative safeguards may include:

• internal data protection policies • employee training programs

• restricted access to sensitive information • monitoring of employee access to financial data.

23.3 Technical Safeguards

Technical safeguards may include:

• encryption of sensitive data • network monitoring systems • intrusion detection systems • secure authentication protocols • secure system architecture.

23.4 Physical Safeguards

Physical safeguards may include:

• controlled access to facilities • secure data center environments • monitoring of physical access points.

23.5 Compliance with Financial Privacy Laws

Where applicable, Veep processes financial information in accordance with applicable financial privacy and data protection laws. These laws may include:

• the Gramm-Leach-Bliley Act (GLBA) • applicable state privacy laws • other applicable financial privacy regulations.

23.6 Use of Financial Data

Financial information obtained through the Service will be used solely for purposes necessary to provide and operate the Service. Such purposes may include:

• facilitating transactions • verifying user identity • detecting fraud • complying with legal obligations • improving platform functionality.

23.7 Data Retention

Veep retains financial and transaction data only for as long as necessary to:

• provide the Service • comply with legal obligations • resolve disputes • enforce agreements.

Data may be retained for longer periods where required by law.

23.8 Security Incident Response

If Veep becomes aware of a security incident involving unauthorized access to financial or personal information, Veep will take reasonable steps to:

• investigate the incident • mitigate potential harm • notify affected users where required by law.

24. Venue and Forum Selection

24.1 Exclusive Venue

To the extent that any dispute arising under these Terms is permitted to proceed in court rather than arbitration, such dispute shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida.

24.2 Consent to Jurisdiction

By using the Service, you consent to the personal jurisdiction of the courts located in Palm Beach County, Florida. You waive any objection based on:

• lack of personal jurisdiction • improper venue • inconvenient forum.

24.3 Enforcement of Arbitration Awards

Any arbitration award issued pursuant to Section 18 may be confirmed and enforced in any court of competent jurisdiction, including the courts located in Palm Beach County, Florida.

24.4 Venue for Injunctive Relief

Notwithstanding the arbitration provisions contained in these Terms, Veep may seek temporary or preliminary injunctive relief in the courts located in Palm Beach County, Florida where necessary to protect:

• intellectual property rights • confidential information • platform security.

24.5 Waiver of Venue Challenges

You agree not to challenge the enforceability or validity of the venue provisions contained in this section.

25. Earned Wage Access Service; No Loan or Credit Product

25.1 Nature of the Service

The Veep platform provides technology that enables eligible users to access a portion of wages that have already been earned through their employment but that have not yet been paid through the employer’s standard payroll cycle. The Service is designed to facilitate access to wages that have already been earned by the user based on employment performed prior to the time of the request. The Service operates by enabling users to access such earned wages prior to their scheduled payday through integrations with employer payroll systems, financial institutions, or other authorized data sources.

25.2 Not a Loan or Credit Product

The Service is not a loan, not a line of credit, and not a credit product of any kind. Use of the Service does not involve the extension of credit by Veep.

In particular:

• Veep does not lend money to users. • Veep does not extend credit to users. • Veep does not charge interest on any transactions conducted through the Service.

Amounts accessed through the Service represent wages that the user has already earned through employment.

25.3 No Interest or Financing Charges

Veep does not charge interest, financing charges, or similar fees associated with lending or credit products. Where applicable, Veep may charge service fees associated with certain transaction methods, which will be disclosed to users prior to completing a transaction. Such fees relate solely to the processing or facilitation of the transaction and are not interest charges.

25.4 No Debt Obligation

Accessing earned wages through the Service does not create a traditional debt obligation. Because the Service facilitates access to wages that have already been earned, users are not incurring a loan or borrowing funds from Veep. Repayment of accessed amounts generally occurs through payroll reconciliation when the user’s wages are paid through the employer’s normal payroll process or through other authorized settlement mechanisms.

25.5 No Credit Reporting

Use of the Service does not involve consumer credit reporting. Veep does not report information regarding your use of the Service to consumer credit reporting agencies. Your use of the Service will not impact your credit score.

25.6 No Credit Checks

Veep does not perform credit checks in connection with the use of the Service. Access to earned wages through the Service is based primarily on information relating to employment, payroll records, and account data rather than creditworthiness.

25.7 No Underwriting

Because the Service is not a credit product, Veep does not engage in underwriting practices commonly associated with lending or credit transactions. Eligibility for the Service may be determined based on factors including:

• employment information • payroll data • historical earnings information • participation by an employer or partner organization.

25.8 Payroll Data and Wage Calculations

The Service may rely on information provided by employers, payroll providers, financial institutions, or other authorized partners in order to determine the amount of wages that have been earned by a user. Such calculations may involve estimates based on available payroll data. Veep does not guarantee the accuracy or completeness of payroll information provided by third parties.

25.9 Payroll Reconciliation

Where the Service is made available through a participating employer, repayment of accessed amounts may occur through payroll reconciliation. In such cases, the amount accessed through the Service may be deducted from the user’s wages when the employer processes payroll. Where the Service is made available through a participating financial institution or partner, settlement may occur through other authorized repayment mechanisms once wages are received.

25.10 No Employment Relationship

Veep is not the employer of users who access the Service. The Service does not create any employment relationship between Veep and the user. All employment relationships remain solely between the user and the user’s employer.

25.11 Compliance with Wage and Payroll Laws

Veep operates the Service with the intention of facilitating access to earned wages in a manner consistent with applicable wage and payroll laws. However, users remain responsible for understanding how use of the Service may interact with their employer’s payroll policies or applicable employment laws.

25.12 Regulatory Status

Veep operates as a technology platform that facilitates access to earned wages through integrations with employers, financial institutions, and other authorized partners. Veep is not a bank, credit union, lender, or financial institution. Banking services that may be associated with the Service may be provided by third-party financial institutions.

25.13 Limitations on Availability

The availability of earned wage access through the Service may depend on a variety of factors, including:

• employer participation in the platform • payroll data availability • transaction limits established by Veep • compliance with applicable laws and regulations.

Veep reserves the right to modify or limit access to the Service where necessary to comply with legal or operational requirements.

26. Electronic Communications and E-SIGN Consent

26.1 Consent to Electronic Communications

By accessing or using the Service, you agree that Veep may provide communications to you electronically rather than in paper form. Such communications may include, without limitation:

• disclosures required by applicable law; • notices relating to your account or the Service;

• confirmations of transactions; • updates to these Terms; • customer service communications; • security notifications and alerts.

Electronic communications may be delivered through:

• email messages sent to the address associated with your account; • notifications within the Veep platform or mobile application; • postings on the Veep website; • push notifications delivered to your device.

You acknowledge that these electronic communications satisfy any legal requirement that such communications be provided in writing.

26.2 Consent Under the Electronic Signatures in Global and National Commerce Act

By using the Service, you affirmatively consent to receive electronic records and disclosures in accordance with the Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”), 15 U.S.C. §7001 et seq. This consent applies to all records relating to your use of the Service, including but not limited to:

• legally required disclosures; • agreements and authorizations; • transaction confirmations; • notices of changes to the Service; • privacy notices and policy updates.

You acknowledge that your electronic consent has the same legal effect as a physical signature.

26.3 Electronic Signatures

You agree that any electronic signature or acknowledgment provided through the Service shall be legally binding and shall have the same legal effect as a handwritten signature.

Electronic signatures may include:

• clicking a button indicating acceptance; • checking a consent box; • confirming acceptance through electronic authentication mechanisms.

26.4 Hardware and Software Requirements

In order to access electronic records provided through the Service, you must have:

• a device capable of accessing the internet; • a current version of a web browser; • a valid and active email account; • sufficient storage capacity to retain electronic records.

You are responsible for ensuring that your device and software meet these requirements.

26.5 Updating Contact Information

You agree to keep your contact information, including your email address and phone number, current and accurate.

Veep shall not be responsible for any failure to receive electronic communications due to outdated or incorrect contact information.

26.6 Withdrawal of Electronic Consent

You may withdraw your consent to receive electronic communications by contacting Veep at the address listed in these Terms. However, withdrawal of such consent may limit your ability to access certain features of the Service.

27. ACH Authorization and Electronic Funds Transfers

27.1 Authorization for Electronic Funds Transfers

Where the Service involves the transfer of funds to or from a bank account, you authorize Veep and its banking partners to initiate electronic funds transfers in accordance with your instructions. This authorization may include:

• crediting funds to your designated bank account; • debiting funds from your designated bank account for settlement of transactions conducted through the Service; • verifying your bank account information.

27.2 NACHA Network Compliance

Electronic funds transfers may be processed through the Automated Clearing House (ACH) network. By using the Service, you agree that such transfers shall be governed by the rules of the National Automated Clearing House Association (NACHA). You authorize Veep and its partners to initiate ACH entries consistent with NACHA rules.

27.3 Authorization to Debit Accounts

Where applicable, you authorize Veep and its financial institution partners to debit your designated bank account in order to reconcile amounts accessed through the Service. You represent and warrant that:

• you are the authorized owner or authorized user of the bank account provided; • you have the authority to grant such authorization.

27.4 Failed or Returned Transactions

If an electronic debit fails due to insufficient funds or other reasons, Veep may attempt to resolve the transaction by:

• retrying the debit in accordance with applicable ACH rules; • contacting the user to resolve the transaction; • restricting access to certain features of the Service.

27.5 Revocation of Authorization

You may revoke authorization for electronic debits by contacting Veep. However, revocation of such authorization may limit your ability to use certain features of the Service.

27.6 Error Resolution

If you believe an unauthorized transaction has occurred, you should notify Veep promptly. Veep will investigate the matter and take reasonable steps to resolve the issue in accordance with applicable law.

28. Privacy Policy

28.1 Incorporation of Privacy Policy

Your use of the Service is also governed by Veep’s Privacy Policy, which describes how Veep collects, uses, and protects personal information. The Privacy Policy is incorporated into these Terms by reference.

28.2 Categories of Information Collected

Information collected through the Service may include:

• personal identification information; • contact information; • employment and payroll information; • bank account and financial information; • transaction history; • device and usage data.

28.3 Use of Information

Veep may use personal information for purposes including:

• providing and improving the Service; • verifying user identity; • facilitating transactions; • detecting fraud or misuse; • complying with legal obligations.

28.4 Sharing of Information

Information may be shared with third parties where necessary to operate the Service, including:

• financial institutions; • payment processors; • payroll providers; • fraud detection providers.

Such sharing occurs in accordance with applicable privacy laws.

28.5 User Rights

Users may have certain rights under applicable data protection laws, including the right to request access to or deletion of certain personal information. Requests relating to personal information may be submitted to Veep using the contact information provided in these Terms.

29. Beta Features and Experimental Services

29.1 Availability of Beta Features

From time to time, Veep may offer features or functionality on a beta or experimental basis (“Beta Features”). Beta Features may be identified within the Service or described in related documentation.

29.2 Limitations of Beta Features

Beta Features may:

• contain errors or bugs; • experience service interruptions; • be modified or discontinued at any time.

Veep makes no guarantees regarding the availability or reliability of Beta Features.

29.3 Disclaimer of Warranties

Beta Features are provided “as is” without warranties of any kind. Users access Beta Features at their own risk.

29.4 Feedback and Improvements

By using Beta Features, you may provide feedback or suggestions regarding improvements. You grant Veep a perpetual, irrevocable, royalty-free license to use such feedback.

30. Regulatory Positioning

The Service is intended to facilitate access to wages that have already been earned and is not intended to function as a credit product. Veep reserves the right to modify the Service where necessary to comply with applicable regulatory requirements.