Updated November 2024
Please carefully review this Agreement for Safebox’s Safe to Save service. This Agreement constitutes a legal contract between you and Safe Box Financial Technologies and Education LLC, governing your use of the Service and the relationship between you and Safe Box Financial Technologies and Education LLC, along with its subsidiaries and affiliates (“Safebox,” “us,” “we,” etc.). These Safe to Save Terms outline the conditions that apply to your use of the Safebox website, Mobile Application (the “App”), and any other technology related to the Safe to Save services (collectively referred to as the “Safe to Save Services”). These Services allow you to access and transfer funds to and from your Safe to Save account (“Safe to Save Account”) and any outside financial institution account you link to your Safe to Save Account (each, a “Linked Bank Account”) for the purpose of funding your Safe to Save Account. These Safe to Save Terms are binding upon your first use of the Safe to Save Services. You may only have one Safe to Save Account and may use our Services solely for personal (non-commercial) purposes. If you do not agree to all the provisions of this Agreement, you may not use the Safe to Save service.
To use this service, you must be at least 18 years old and a resident of the United States. By signing up, you affirm that you: (i) are at least 18 years of age; (ii) have not been suspended or banned from any of our services; (iii) reside in the United States; (iv) are not violating any laws by registering for and using the Services; (v) will maintain a valid phone number and email address in your Safe to Save Account profile that you are authorized to use; and (vi) have a Linked Bank Account with a U.S. financial institution.
When you sign up for the Safe to Save Account, you must link a deposit account, which you receive your payments such as checking or savings account from another financial institution to enable us to provide the Savings Services. This requires you to authorize both one-time and recurring ACH transfers (auto-saves). Once the connection is established, we will analyze your transactions to offer you what percentage of your income is reasonable to transfer to your Safe to Save Account via ACH. You have the option to adjust this percentage for future transfers. For more details on money transfers, see the section below. By linking your external account, you grant us access to your financial records at that institution (including identity information and transaction history). Our access to the Linked Bank Account and the use of that data are governed by the Linked Bank Account Access Authorization (“Access Authorization”), which is automatically incorporated into these terms. In the event of a conflict between these Savings Terms and the Access Authorization, the Access Authorization will take precedence.
Safebox reserves the right to modify this Agreement at any time. Any changes will be communicated to you by posting the revised Agreement on the Site. We encourage you to periodically review this Agreement for updates, as all changes will take effect upon posting. The Agreement will indicate the date of the most recent revision. Your continued use of the Site or the Services following any modifications signifies your acceptance of the revised Agreement. Safebox also reserves the right to terminate, suspend, or amend this Agreement without prior notice or liability. Disputes regarding these Terms and Conditions will be governed by the version in effect at the time the dispute arose.
When you sign up for the Safe to Save Service, you agree to provide accurate, current, and complete information, including your name, email address, and mobile phone number (collectively referred to as “Account Information”). You further affirm that you are the legal owner of this information and that you are authorized to provide it to us to facilitate your use of the Safe to Save Service. You agree to promptly update Safebox if any of your Account Information changes. Safebox will not be liable for any errors or fees resulting from outdated Account Information. If any of your Account Information changes, you must update it as soon as possible. You can update your phone number and/or email address in the App by navigating to Profile>Account>Personal Information. If you believe or suspect that any of your Account Information, including your email, phone number, or password/PIN, has been compromised, or if you suspect that another person is accessing your Safe to Save Account, you agree to notify us immediately at support@safeboxsavings.com. Please make sure to add “COMPRIMISED ACCOUNT” in the subject line.
Your privacy is important to Safebox. We value and respect the personal information we collect from you when you use our Services. For details on how we handle and protect your data, please refer to our privacy policy. We reserve the right to update this policy at our discretion, and any changes will be effective upon posting.
To use the Services, you must authorize Safebox to retrieve your account transaction history, balance information, and any other data maintained by third parties with whom you have relationships, hold accounts, or conduct financial transactions (collectively referred to as “Third-Party Account Information”). Safebox collaborates with one or more third-party service providers to access this Third-Party Account Information. By utilizing the Services, you grant Safebox the license and authority to access this information on your behalf as your agent, and you explicitly permit these third parties to disclose your information to us. By accepting this Agreement, you acknowledge your responsibility for keeping your passwords and usernames for these third-party accounts secure and up to date within the Services. You understand that any third-party account information displayed through the Services will reflect only the most recent access and may not account for pending transactions or recent activities. We may share information with third parties regarding your Safe to Save Account or the transactions you conduct under the following circumstances: To complete transactions; To verify the existence and status of your Account for a third party; To comply with government agency or court orders, or other legal reporting obligations; With your written consent; With our employees, auditors, affiliates, service providers, or attorneys as needed; and As otherwise necessary to fulfill our obligations under these Safe to Save Terms. The Safe to Save Services may include links or connections to third-party websites or services that are not owned by Safebox or our affiliates. We do not control or endorse these sites and are not responsible for their content. Your access to and use of third-party websites and services are governed by their respective terms and conditions and privacy policies.
Safebox’s Safe to Save Service Subscription Terms The Safebox Safe to Save Service operates on a subscription model, with a monthly fee of five dollars ($5.00), which may be waived based on different activities outlined on our website. These activities may change from time to time. Please refer to our website to see the latest requirements to waive the monthly subscription fee. Cancelling Your SubscriptionYou may cancel your Safebox subscription at any time through the App. Subscription Fee and BillingThe subscription fee will be automatically withdrawn from your Linked Bank Account monthly. When you activate your Safe to Save Account, we will establish a due date for your monthly fee, which will be the same date each month. This date may fluctuate based on national holidays or if it falls on weekends. Changes to Subscription FeesWe reserve the right to modify the subscription fee and billing practices at any time. You will be notified of any changes in advance, as required by law. Linked Bank Account Access AuthorizationThis Linked Bank Account Access Authorization ("Access Authorization") is part of Safebox’s Safe to Save Terms of Use ("Safe to Save Terms"). It serves as a legal agreement between you and Safe Box Financial Technologies and Education LLC, along with our subsidiaries and affiliates (collectively referred to as "Safebox," "us," or "we"). Access to Your Linked Bank AccountTo provide the Safe to Save Services (such as accessing your transaction history), Safebox utilizes information from the financial institutions that hold your Linked Bank Accounts, as well as other third-party websites and databases (collectively referred to as "Third Parties"). In some cases, we may engage a third-party service provider to access, collect, or analyze this information on our behalf. Your AuthorizationBy agreeing to this Access Authorization, you authorize us to obtain information about you and your Linked Bank Account from the financial institution that maintains your Linked Bank Account, along with any additional personal and financial information from other Third Parties as needed to deliver the Safe to Save Services. This authorization remains in effect until you notify us of your desire to revoke it. Power of AttorneyYou grant Safebox a limited power of attorney, appointing us as your attorney-in-fact and agent solely for the purpose of accessing Third Party services to request and retrieve information needed to provide you with Safe to Save Services. When Safebox accesses and retrieves information from any Third Party, we are acting as your agent, not on behalf of the Third Party. RelianceThird Parties may rely on this Access Authorization when providing information to Safebox. Information HandlingSafebox will not verify the accuracy, legality, or non-infringement of the information received from any Third Parties. As between Safebox and our third-party service providers, Safebox retains ownership of your confidential information.
Overview: The Safebox’s Safe to Save Service enables you to establish savings goals within the Safebox App. By linking your bank account, Safebox can analyze your deposit to suggest what percentage of your income you can transfer to your Safe to Save account. Once the balance in your Safe to Save account reaches your designated goal amount, Safebox will notify you and you can transfer those funds back to your Linked Bank Account whenever you desire, providing you with the resources needed to achieve your savings goal.
Goals: You can establish an unlimited number of savings goals within your Safe to Save Account. We’ll utilize your specified goal amounts and due dates to suggest the allocation of transferred funds and assist you in reaching your goals on time. However, we do not guarantee that you will have sufficient funds for each goal or that you will meet the deadlines you set. You have the option to change the allocation of funds between goals or add more money to specific goal. Backup Savings Fund: Upon activating your Safe to Save Account, we will create a Backup Savings Fund for you, setting aside money to help cover unforeseen expenses or emergencies. Any portion of transferred money that is not allocated to specific goal will be added to this fund. Bank Account: The funds for your goals are held in the Safe to Save Account, which operates as a special savings account. This means the account is titled in our name, but each member has its own sub-account that keeps track of their transactions and balances. All money set aside for Safe to Save is pooled into this account at United States based financial institutions and banks. While you own your share of the funds, you will see your balance in the App. Although we may refer to the Safe to Save Account as “yours” in these Savings Terms or other materials, you understand that a separate account in your name will not be created; instead, the money saved for you will be held in one of these accounts. FDIC Insurance: We partner with FDIC-insured banks, ensuring that your money in the account is protected against bank failure, subject to applicable FDIC insurance limits. Please note that Safe Box Financial Technologies and Education LLC, is not an FDIC-insured institution. User Features and Controls: We offer several settings (“user controls”) for the Safe to Save Account, allowing you to tailor the Safe to Save Services to your preferences. For instance, you can pause savings, set a safe saving level for your Linked Bank Account, or add funds to a particular savings goal. We may introduce additional user controls or modify existing ones. We will generally notify you in advance of any changes that could affect your use of the Safe to Save Services, but it is your responsibility to monitor these controls to ensure they align with your needs. Feature Limitations: Some features and functionalities of the Safe to Save Services and the Safe to Save Account may only be accessible through the App. Not an Expense Management or Financial Advisory Service: Safebox is not a financial advisor, and the Safe to Save Services are not intended to provide financial advice. While we utilize statistical analysis to assist you, this analysis cannot anticipate every financial situation. We cannot guarantee that the Safe to Save Services will accurately predict the timing of all your financial transactions and achieving goals. We have developed features that account for various financial scenarios, but it’s important for you to customize the Safe to Save Services to meet your specific needs. Regularly checking your settings ensures that they align with your financial situation. While we aim to simplify your life, you are ultimately responsible for ensuring that your Linked Bank Account has sufficient funds to cover your expenses. We are not responsible for ensuring that your Linked Bank Account has adequate funds for your needs, purposes, or transactions. We make no representations, warranties, or guarantees that the Safe to Save Services are suitable for you. Before using the Safe to Save Services, we recommend consulting a financial advisor for additional information and guidance.
The only way to add money to your Safe to Save Account (and each savings goal) is by transferring it from your Linked Bank Account via ACH. You can do this in two ways: Auto Saves: Auto Saves allow us to transfer money from your Linked Bank Account based on your preselected deposit sources, which can happen multiple times a week. Once the funds are in your Safe to Save Account, we will allocate them among your savings goals based on your preselected allocation. The amount of each Auto Save may vary, and we won’t send advance notifications for every transfer, as our goal is to facilitate seamless savings. However, you can view Auto Save activity in the App and your account statements as well as turn on notifications for these transfers. You can pause Auto Saves within the App or disconnect your Linked Bank Account through our third-party provider, Plaid. If you disconnect, we won’t be able to initiate further Auto Saves until you reconnect your bank account. Auto Saves will be automatically terminated if you close your Safe to Save Account. Note that if any Auto Saves have already been initiated before you pause or disconnect, those transactions will still post to your Linked Bank Account. You can withdraw the funds from your Safe to Save Account back to your Linked Bank Account once they post if your Linked Bank Account is not disconnected. To keep you on track to achieve your goals the paused Auto Saves will reactivated after 15 days unless you pause them again. Manual Saves: You can also add money to your account or any of your goals from your Linked Bank Account at any time with a Manual Save. Simply select the amount you wish to transfer, and we’ll initiate the Manual Save for you. After initiating a Manual Save, you cannot cancel it, but you can move the money back to your Linked Bank Account once it arrives and posts in your Safe to Save Account. If you initiate Manual Saves from dashboard, the transferred amount will be allocated to each goal based on your preselected allocation. If you initiate Manual Saves from specific goal, the full transferred amount will be added to that specific goal. Withdrawing Money from Your Safe to Save Account When you withdraw money from your Safe to Save Account, it will be transferred back to your Linked Bank Account. You can do this at any time through the “Withdraw” feature in the App. We will send the requested withdrawal amount to your Linked Bank Account via ACH, which may take 5-7 business days for the funds to become available. In some cases, you may have the option to request an instant withdrawal, which may incur a fee disclosed at the time of transfer. We may also transfer funds to your Linked Bank Account to correct an error or refund a fee. ACH Processing Transfers via ACH may take up to 7 business days to process before the money is available in your Safe to Save Account or Linked Bank Account. NACHA rules govern all ACH transfers. While the money is in transit, it will be in a "pending" state, meaning you cannot withdraw it until it posts to your Safe to Save Account. During this period, the goal balance displayed in the App may include both pending and posted saves, with pending amounts clearly marked. Negative Balances Since your funds are transferred via ACH, it may take up to 7 business days for a transfer to post in your Safe to Save Account after initiation. This delay means the money isn't immediately withdrawn from your Linked Bank Account. Consequently, there may be insufficient funds in your Linked Bank Account when the withdrawal posts, potentially resulting in a negative balance. Some financial institutions impose fees for negative balances (e.g., overdraft or insufficient funds fees). We recommend checking your financial institution’s fee schedule to help avoid this situation. If your Safe to Save balance remains negative for more than 5 days, you authorize Safebox to debit the negative amount from your Linked Bank Account to restore your Safe to Save account balance to zero. Additionally, if funds are unavailable in your Linked Bank Account, you grant us a right of setoff, allowing us to withdraw an amount equivalent to the negative balance from any of your Safe to Save goal account balances that have a positive balance. Limits There are limits on the type, amount, and frequency of transfers to and from your Safe to Save Account. You may not use the funds while they are in your Safe to Save Account for purchases, cash withdrawals, transfers to third parties, or any access other than transferring the money back to your Linked Bank Account via ACH. Transfers from Linked Bank Account to Safe to Save Account: Auto Save Limit: $1500/transfer Manual Save Limit: $1500/transfer Transfers from Safe to Save Account to Linked Bank Account (Withdrawals): Instant Withdrawal: $1,500/transfer Other Withdrawal Types: $1,500/transfer
Safebox may receive compensation in the form of commissions or interest on the funds that members deposit with its banks. As an Safebox member, you may qualify for rewards such as contests, prizes, or referral bonuses for participating in promotions. However, please note that you will not earn interest, dividends, or any earnings on the funds deposited in your Safe to Save Account unless it is mentioned in the Safebox App.
You may request the closure of your Safe to Save Account, or we may do so at our discretion for various reasons outlined below. Upon account closure, you will lose access to the Safe to Save Services and will not incur any further subscription fees. When your account is closed, we will generally transfer any remaining funds (minus any pending debits or funds restricted by a court or federal or state agency order) to your Linked Bank Account. If a transfer cannot be completed, or if you do not have a Linked Bank Account, we will email you with instructions on how to get your balance back. In some cases, we may delay closing your account until pending transactions have been processed. Closing your Safe to Save Account will not impact any rights or obligations established under these Safe to Save Terms or any other agreement between us prior to the account's closure. You can close your Safe to Save Account through the App or by contacting us at support@safeboxsavings.com.
We reserve the right to terminate this Agreement, suspend or terminate access to the Service, or close your Safe to Save User Account at our sole discretion, for any reason, including but not limited to the situations outlined below. We will make reasonable efforts to notify you of any such suspension or termination, unless we terminate your access in accordance with Section 14 below. Persistent Overdrawn Balances: If we determine that your linked bank account has been persistently overdrawn for three months and Safebox is unable to withdraw the necessary funds to meet the goals of your Safe to Save account, we may terminate your account at our discretion. Negative Safe to Save Account Balances: We may close your Safe to Save Account if it has a negative balance. Failure to Pay Subscription Fee: If we are unable to collect the subscription fee, we may close your account. Inactive Accounts: If there are no transactions for one year, we may close your Safe to Save Account due to inactivity. Automated transactions performed more than one year ago will not count toward maintaining your Safe to Save Account as “active.” We will attempt to contact you before closing your Safe to Save Account for inactivity, but it is your responsibility to ensure that we have your current email address and phone number on file. If we close your account for inactivity, we will transfer the funds from your Safe to Save Account back to your Linked Bank Account. Compliance with Orders: We will comply with any valid order from a court or applicable federal or state agency that directs us to close your Safe to Save Account. Changes in Safebox Ownership or Operations: We may close your Safe to Save Account if changes in company ownership, partnerships, product offerings, or operations necessitate the closure of your account.
Documentation: You have the right and authority to submit any documents necessary for the provision of the Services, including but not limited to pay stubs or bank statements related to your financial situation. Compliance with Laws: Your use of the Services does not violate or promote the violation of any applicable laws, regulations, or legal obligations you may have to third parties. You will comply with all relevant laws, rules, and regulations in connection with your use of the Services. Location of Financial Accounts: Any bank accounts associated with the Services are United States based, although they may have locations out of United States. Third-Party Access: You shall not share your Safebox’s Safe to Save Account or login information with any third party, nor allow any third party to access your Safebox’s Safe to Save Account. You are responsible for maintaining the confidentiality of your login information. You are fully responsible for the security of your computer system, mobile device, and all activities on your Safebox’s Safe to Save Account, even if such activities were not initiated by you. Linking Bank Accounts: You will not link your bank checking or savings account to more than one Safebox’s Safe to Save Account. Verification of Your Representations and Warranties: By using the Services, you understand and agree that Safebox may, at its discretion, verify any or all your representations and warranties listed above using identification verification methods. If you become aware of any violation or potential violation of these representations and warranties, you will report it to Safebox. If Safebox discovers any violations of this Agreement, it may suspend or terminate your Safebox’s Safe to Save Account with or without notice at its discretion. Violation of Savings Terms: If you violate these Safe to Save Terms (e.g., by opening more than one Safe to Save Account or failing to pay the subscription fee), we may close your Safe to Save Account. Fraud or Illegal Activity: We may close your Safe to Save Account if we believe you (or someone accessing your account) is using the account in violation of the law or with intent to commit fraud.
As mentioned above, the Services may provide predictions regarding your financial situation, such as estimates for transfers and withdrawals designed to help you manage your current financial needs and achieve your goals (each, a “Prediction”). You acknowledge that these Predictions are our attempts to assess the status of your linked bank account, and we do not guarantee their accuracy. The Services may not always foresee overdrafts that could occur in your bank account. Any use of the Services and your decisions based on these Predictions are solely your responsibility and at your own risk. The Safe to Save Services are offered on an “as is” and “as available” basis, without any warranties. We do not guarantee that the Services will be free of defects. To the fullest extent permitted by law, we disclaim all implied or statutory warranties related to the Services, including those pertaining to each Prediction. Safebox and its officers, directors, shareholders, advisors, employees, agents, representatives, and affiliates will not be liable for any direct, indirect, incidental, special, punitive, or consequential damages resulting from your use of the Services, including any Predictions or the absence thereof, whether such damages were foreseeable or if Safebox had been advised of the potential for such damages. No advice or information, whether oral or written, obtained from Safebox will create any warranty not explicitly stated in this Agreement. If you choose to rely on such information, you do so at your own risk.
Safebox is not a financial advisor. While we employ advanced statistical analysis to assist you in making decisions, this analysis cannot predict every scenario. We cannot guarantee that the Safe to Save Services will suit every individual's circumstances. We offer features designed to address a variety of financial situations, but it’s essential for you to tailor the Safe to Save Services to your specific needs and regularly review your settings to ensure they align with your goals. Our mission is to support you and simplify your financial management, but ultimately, you are responsible for ensuring that your Linked Bank Account has sufficient funds to meet your needs.
You can check your account balances in the App as well as verify whether a specific preauthorized transfer (such as an auto save or withdrawal) to or from your Safe to Save Account has occurred. Credentials. Please do not share your username or password. It is your responsibility to keep this information secure, along with your devices. Except as required by law, you are responsible for all transactions and activities performed using your credentials and/or mobile device, whether authorized by you or not. Agents and Power of Attorney. While you cannot add users to your Safe to Save Account, you may submit a valid power of attorney to allow an agent access to your account. This agent will have access to your private financial information and will act on your behalf, including making transactions. You acknowledge that we have no obligation to ensure the agent acts in your best interest. We may not be able to enforce all restrictions you specify in the power of attorney. We will continue to honor the agent’s transactions until: (a) we receive written notice that you have terminated their authority, and (b) we have had a reasonable opportunity to act on that notice. You agree not to hold us liable for any loss or damage resulting from following instructions given by an agent acting under a valid power of attorney. Non-Transferable. Safe to Save Accounts are non-transferable. If the account owner passes away, the funds in the Safe to Save Account will be distributed according to law; however, no other person or entity will become an owner or authorized user of that account. Fraud and Unusual Activity. We monitor accounts and transactions for signs of fraud and unusual activity, which may affect your ability to access your account or conduct transactions. We may need to impose access restrictions immediately and might be unable to notify you to ensure security or comply with legal processes. Unauthorized Account Access. To protect your information, account, and funds, we may suspend access to your Safe to Save Account if we suspect it has been accessed without your authorization or if you dispute a transaction. If you suspect unauthorized activity or access related to your username, password, device, or Safe to Save Account, please contact us immediately at support@safeboxsavings.com. Unauthorized Transfers. If you believe that an unauthorized electronic funds transfer has occurred or may occur to or from your Safe to Save Account, please email us at support@safeboxsavings.com. Our business hours are Monday through Friday, excluding federal holidays. Inactive Login. If you do not use your Safe to Save Account or log into the App for an extended period, your login may become inactive. Access to your account may be temporarily restricted. Court Orders. We will comply with court orders or directives from federal or state agencies. Please see Section 13 for additional information on legal processes.
You are solely responsible for ensuring compliance with all applicable laws, rules, and regulations related to your use of the App, Site or the Services. In connection with your use of the App, Site or the Services, you agree not to, and not to assist or enable any third party to: Reverse engineer or attempt to discover the underlying code of the Services; Breach or circumvent any applicable laws or regulations, agreements with third parties, third-party rights, or this Agreement; Copy, modify, or create derivative works from the Services or any content associated with the Services; Attempt to disable or bypass any security or access control mechanisms of the Site or the Services; Design or assist in designing cheats, exploits, automation software (such as spiders, bots, hacks, mods), or any other unauthorized third-party software that modifies or interferes with the Site or the Services; Attempt to gain unauthorized access to the App, the Site, the Services, other Safe to Save User Accounts, or any devices, computer systems, phone systems, or networks connected to the App, the Site or the Services; Harvest or collect information about other users; Use, display, mirror, or frame the App, the Site, the Services, any content, Safebox’s name, or the layout and design of any page or form on the App, the Site or the Services without Safebox’s express written consent; or Take any action that may damage, adversely affect, or could potentially damage or adversely affect the performance or proper functioning of the App, the Site or the Services. If you engage in any prohibited activities, you acknowledge and agree that Safebox has the right to take legal action and/or pursue other remedies, including, but not limited to, suspending your Safebox’s Safe to Save Account, without prior notice to you.
This is a digital service, and we communicate with you electronically through in-app messages, email, SMS, and other methods. Electronic Communications You agree to receive emails and other electronic communications from us, our affiliates, and third parties providing services on our behalf regarding our products or services (collectively, "Services"). These communications may include disclosures, required notices, updates to terms, periodic statements, account records, and other relevant information (collectively, "Communications"). This includes any information that would otherwise be provided to you in paper form (e.g., by mail). Please note that you may not be able to access our Services unless you consent to receive Communications electronically. Your Representations By agreeing to this, you confirm that: (1) you have read and understand this Agreement; (2) you meet the minimum hardware and software requirements outlined below; and (3) your consent will remain in effect until you withdraw it (as explained below). Your Right to Withdraw Consent You may withdraw your consent to receive further Communications regarding your Safe to Save Account electronically at any time by contacting us at support@safeboxsavings.com. If you withdraw your consent, we may close your Safe to Save Account, including any associated accounts with our banks, and return any remaining balance to your linked bank account. Any withdrawal of your consent will be effective after we have had a reasonable time to process your request. Please note that withdrawing your consent will not affect any Communications provided electronically before the withdrawal takes effect. Copies of Communications We recommend that you print and save a copy of all Communications we provide electronically. You can access these E-Sign Act disclosures at www.safeboxsavings.com. Hardware and Software Requirements To access and retain electronic Communications, you must have: (1) a valid email address; (2) an internet connection; (3) a current version of Internet Explorer, Mozilla Firefox, Safari, or Chrome; (4) a current version of software that can accurately read and display PDF files, such as Adobe Acrobat Reader (version 7 or higher); (5) a computer or device with an operating system that supports the above; and (6) a printer to print Communications or electronic storage to retain them in electronic form. "Current Version" refers to software that is currently supported by its publisher. Changes We reserve the right to switch to paper communications and cease electronic communication when deemed necessary. We may also modify these terms and conditions.
Except for any third-party materials, Safebox owns all worldwide rights, titles, and interests in: (a) the App, the Site and the Services, including all content, design, text, graphics, images, audio, video, and other materials, as well as the domain name, tagline, organization, look-and-feel, related documentation, and all enhancements, derivatives, bug fixes, or improvements to the App, the Site and Services; and (b) the trade names, trademarks, and logos of Safebox (collectively referred to as “Content”). You may not use, copy, adapt, modify, prepare derivative works of, distribute, license, sell, transfer, publicly display, publicly perform, transmit, broadcast, or otherwise exploit the Content without Safebox’s written consent. However, you may download and/or print a single copy of individual pages from the Site for your personal, non-commercial use, provided that you do not modify the Content and retain all copyright and other proprietary notices. You acknowledge that you do not acquire any ownership rights in any downloaded Content, and this permission terminates immediately if you breach this Agreement. You may not “mirror” any Content on the Site or in the Services without Safebox’s express written permission. Unauthorized use of the Content may violate copyright laws, trademark laws, privacy and publicity rights, and/or communications regulations and statutes. No License. We do not grant you any licenses to our intellectual property or that of our licensors, except as expressly stated in these Safe to Save Terms. We and our third-party licensors retain all rights, titles, and interests in the Services and any associated intellectual property rights. User Content. The Services may allow you to submit content (collectively referred to as “User Content”), such as customizing aspects of the Services (e.g., setting savings goals) and communicating with our Customer Support team. We assume no responsibility or liability for any User Content. Content Rules. User Content must not be illegal, harmful, threatening, obscene, fraudulent, pornographic, infringing on intellectual property rights, intentionally false, or intended to harm others.
To the fullest extent permitted by law, you agree that Safebox, its affiliates, and their employees, officers, directors, agents, and third-party service providers will not be liable to you or any third party for:(A) The performance of the Services or your inability to use them;(B) Any indirect, incidental, special, consequential, punitive, or exemplary damages, whether based in contract, tort, or otherwise, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, even if advised of the possibility of such damages, arising out of or connected in any way with these savings terms or the services;(C) Any amount in excess of the greater of $100 or the total amount transferred from your Linked Bank Account to your Safe to Save account via the Services; or(D) Any event beyond our reasonable control. some states do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you. IndemnificationAt our request, you agree to defend, indemnify, and hold harmless Safebox, its affiliates, and their respective employees, officers, directors, agents, and third-party service providers from any and all claims, suits, liabilities, damages (actual and consequential), losses, fines, penalties, costs, and expenses (including reasonable attorneys’ fees) arising from or related to any third-party claims regarding your use of the Services, violations of these Safe to Save Terms, applicable laws, third-party rights, or your fraud or willful misconduct. The indemnified parties reserve the right to assume exclusive defense and control of any matter subject to indemnification, in which case you will cooperate in asserting any available defenses. Disclaimer and No WarrantyWe employ sophisticated statistical analysis and your preselected sources and percentages to determine the amounts deducted for your savings goals, but we cannot anticipate every situation. We cannot guarantee that the Services will fit every individual need. Before using the Services, you should consider seeking additional information and advice from a financial advisor. To the extent permitted by applicable law and except as otherwise provided in these Safe to Save terms, your use of the Services is at your sole risk. The Services are provided on an “as is” and “as available” basis without any warranty. To the extent permitted by applicable law, we and our third-party service providers disclaim all conditions, representations, and warranties regarding the services, whether express, implied, statutory, or otherwise, including any implied warranty of merchantability, fitness for a particular purpose, and non-infringement. We and our third-party service providers cannot guarantee that:(A) The Services will meet your requirements;(B) The Services will be uninterrupted, timely, secure, or error-free;(C) The results obtained from the Services will be accurate or reliable in every situation;(D) The quality of the Services will meet your expectations; or(E) Any errors in the Services will be corrected. No oral or written information or advice obtained from us, or our third-party service providers will create any warranty not expressly stated in these Savings terms. any material downloaded or obtained through the Services is done at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data resulting from such downloads.
You and Safebox agree that the sole and exclusive forum for resolving any claims shall be through final and binding arbitration. Please read this carefully, as it requires you to arbitrate certain disputes and claims with us and limits your options for seeking relief. Governing LawExcept as otherwise required, these Safe to Save Terms and the resolution of any disputes will be governed by and construed in accordance with California law, without regard to its conflict of laws principles. Informal Dispute ResolutionWe prefer to address your concerns without resorting to formal legal proceedings. Before filing a claim against Safebox, you agree to attempt to resolve the dispute informally by contacting us at support@safeboxsavings.com. We will make efforts to resolve the issue via email. If a dispute is not resolved within 25 days of submission, either you or Safebox may initiate a formal proceeding. ArbitrationYou and Safebox agree to resolve any disputes through final and binding arbitration, except as noted in the exceptions to the agreement to arbitrate below. Opt-Out of Agreement to ArbitrateYou may opt out of this arbitration agreement by contacting us at support@safeboxsavings.com within 30 days of first accepting these Safe to Save Terms or within 30 days of any material change to these terms. Your opt-out notice must be sent in writing via certified mail to: Safebox LLC, 25108 Marguerite Pkwy, Ste A124, Mission Viejo, CA 92692, and must include your name, address, phone number, and email address. Arbitration ProceduresYour rights will be determined by a neutral arbitrator and not by a judge or jury. You are entitled to a fair hearing; however, arbitration procedures may be simpler and more limited than those applicable in court. The arbitrator's decisions are enforceable and subject to very limited judicial review. The American Arbitration Association (“AAA”) will administer the arbitration under its Commercial Arbitration Rules and the Supplementary Procedures for Consumer-Related Disputes then in effect (“Rules and Procedures”). Arbitration will be conducted by a sole arbitrator according to these rules, in the Orange County, California. Arbitration FeesAAA rules will govern the fees associated with arbitration. If the arbitrator finds that your claim is valid and the costs of arbitration would be prohibitive compared to litigation, we will cover as much of your arbitration filing/hearing fees as the arbitrator deems necessary to prevent it from being cost-prohibitive. ConfidentialityThe arbitrator will respect valid claims of privilege and privacy. Arbitration proceedings will be confidential, and neither party may disclose the existence, content, or results of any arbitration, except as required by law or to enforce the arbitration award. Arbitration AwardSubject to the limitation of liability provisions outlined in these Safe to Save Terms, the arbitrator may grant any available individual relief or remedies. Exceptions to Agreement to ArbitrateEither you or Safebox may assert claims qualifying within the jurisdictional limits of small claims court in Orange County, California. Additionally, either party may initiate a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Services or infringement of intellectual property rights (such as trademark, trade secret, copyright, or patent rights) without engaging in arbitration or the informal dispute resolution process outlined above. No Class ActionsDisputes with Safebox may only be resolved on an individual basis. You may not bring a claim as a plaintiff or class member in any class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are prohibited under this agreement. The arbitrator may not consolidate claims from multiple parties, preside over any form of representative or class proceeding, or grant class-wide relief. Judicial Forum for DisputesExcept as otherwise required by law, if the arbitration agreement is found not to apply to you or your claim, both you and Safebox agree that any judicial proceeding (other than small claims actions) will be brought in the federal or state courts of Orange County, California. Both parties consent to the venue and personal jurisdiction of these courts and waive their right to a jury trial. Limitation on ClaimsRegardless of any statute or law to the contrary, any claim or cause of action arising out of or related to these Safe to Save Terms or the Services must be filed within six (6) months after such claim or cause of action arose, or it will be forever barred. Severability of ProvisionsExcept for the provision prohibiting arbitration on a class or collective basis, if any part of this arbitration agreement is deemed invalid, unenforceable, or illegal, the remainder will remain effective and construed according to its terms. If the provision prohibiting class or collective arbitration is found invalid, the entire arbitration agreement will be null and void, and neither party will be entitled to arbitration. For more information on the AAA, the rules and procedures, or the process for filing an arbitration claim, you may call the AAA at 800-778-7879 or visit their website at www.adr.org.
If we fail to complete a transaction to or from your Safe to Save Account on time or in the correct amount, we may be liable for your losses and damages. However, there are certain exceptions where we will not be liable, including, but not limited to, the following situations: You do not have sufficient funds available in your Linked Bank Account to complete the transaction. You do not have sufficient funds available in your Safe to Save Account to complete the transaction, through no fault of ours. Access to your Safe to Save Account has been blocked after you reported an unauthorized transaction. There is a hold on your funds, or they are subject to legal processes or other encumbrances that restrict their use. We have reason to believe that the requested transaction is unauthorized. Circumstances beyond our control (such as fire, flood, or computer or communication failures) prevent us from completing the transaction, despite taking reasonable precautions. Any other exceptions listed in these Safe to Save Terms.
Statements: We will issue monthly statements for your Safe to Save Account. However, if you do not have any electronic funds transfers, we may not issue a statement or issue statements quarterly instead. Taxes: You are responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments related to your activities with the Safe to Save Services. We may, at our discretion, handle any of these responsibilities on your behalf or for our own purposes. Please consult your tax advisor about the applicable tax to your interest earnings, rewards, and prizes you may receive from Safebox. Severability: If any provision of these Safe to Save Terms is found to be unenforceable or invalid, that provision will be limited or removed to the minimum extent necessary, allowing the remaining provisions to remain in full effect. Entire Agreement: These Safe to Save Terms constitute the entire agreement between us regarding the Safe to Save Services, superseding any prior agreements unless explicitly stated otherwise in these Safe to Save Terms or related agreements. Survival of Terms: If these Safe to Save Terms or the Safe to Save Services are terminated, any provisions that are inherently intended to survive—such as indemnification, disclaimers, and limitations of liability—shall remain in effect. Assignment: To the extent permitted by applicable law, we may transfer, assign, or delegate these Safe to Save Terms and our rights and obligations under them without your consent.
If you have any questions about this Agreement or how Safebox handles your personal information, please feel free to contact us:
Safebox LLC 25108 Marguerite Pkwy, Ste A124 Mission Viejo, CA 92692