Updated November 2024
The following Terms of Use ("Terms") form a legally binding agreement between you and Safe Box Financial Technologies and Education LLC including its successors, affiliates, and assignees (collectively referred to as "Safebox," "we," or "us"). These Terms govern your use of and access to www.safeboxsavings.com, all associated websites, any software we provide for use on mobile devices ("Mobile Application"), and other applications or services where these Terms are posted (each a "Site," collectively the "Sites"). They also govern the information, features, content, text, images, data, software, products, and services made available through the Sites (collectively with the Sites, the "Service"), whether you access as a guest or a registered user. By using the Service or by selecting "accept" or "agree" when prompted, you confirm that you are at least 18 years old and agree to be legally bound by these Terms without any limitation. Please note that these Terms may be revised and updated from time to time, without direct notice to you. Your continued use of the Service after such changes constitutes your acceptance of the updated Terms. If you do not agree to these Terms, you should not access or use the Service. In certain instances, both these Terms and additional terms and conditions ("Additional Terms") may apply, such as those for referral or rewards programs. If there is a conflict between these Terms and the Additional Terms, the Additional Terms will take precedence unless otherwise specified.
These Terms include a Dispute Resolution and Arbitration provision, which contains a Class Action Waiver. This provision affects your rights under these Terms and any disputes you may have with Safebox or its related parties. You have the option to opt out of binding individual arbitration and the Class Action Waiver, as outlined below.
In these Terms, we grant you a personal, limited, non-transferable, non-exclusive license to access and use the Service for your own non-commercial, personal use in compliance with these Terms and applicable laws. We are not responsible if you use the Service in a way that violates the law.
You agree not to permit anyone else to use your username, access code, or password to access the Service, and you are responsible for maintaining the security of these credentials. You are also responsible for your own communications, including any information you transmit, upload, or post to the Sites or Mobile Application, and for any consequences of such communications.
You agree not to use the Sites or Service for any of the following prohibited activities:
You also represent and warrant that, in your use of the Sites and Service, you are not located in a country subject to sanctions by the Office of Foreign Assets Control (OFAC). Information about sanctioned countries can be found on the U.S. Department of the Treasury website.
We may add to or terminate any part of the Service or amend these Terms at any time, in our sole discretion, without prior notice, as permitted by applicable law. We reserve the right to notify you of any changes to existing terms or the addition of new terms by posting an updated version of these Terms on the Sites or by delivering notice electronically.
You can choose whether or not to accept a revised version of these Terms, but accepting the updated Terms is necessary to continue accessing or using the Sites or Service. If you do not agree to these Terms or any revised version, your only option is to discontinue your access to the Sites or Service. Unless otherwise stated by us, your access and use of the Sites or Service are subject to and constitute your acceptance of the version of these Terms in effect at the time of your access or use.
To access and use certain parts of the Service, you must register for an online account with Safebox and provide specific information. All information you submit during registration or through the Sites or Mobile Application must be truthful; you may not use aliases or any means to conceal your true identity. The information we collect is governed by our Privacy Policy.
The Sites, Mobile Application, and their content—including, but not limited to, images, icons, text, videos, designs, music, software, logos, and expressions—are protected by U.S. and international copyright, trade secret, trademark, and other intellectual property laws, as well as applicable treaty provisions. Nothing in these Terms shall be interpreted as a sale of the Mobile Application or any copies thereof. We, along with our third-party licensors or suppliers, retain all rights, titles, and interests in the Mobile Application (and any copies of it). The registered and unregistered service marks, logos, trade names, and trademarks ("Service Marks") on the Sites and Mobile Application are owned by us, except for certain trademarks, service marks, and names ("TP Marks") that belong to third parties. Except as specified in these Terms, you are not granted any license or right to use any Service Mark or TP Mark, including for hyperlinks, advertising, or publicity, without our express written consent.
The Service may contain links or connections to third-party websites or services that are not owned or operated by us. We provide these links for your reference only and do not control the content or availability of such third-party sites. Our inclusion of these links does not imply endorsement of the third-party websites or services or any association with their owners. We assume no liability for any third-party websites or services, including their content, features, products, or practices. If you choose to access any third-party websites or services, you do so at your own risk. You may not link to our Sites without our express written permission. If you wish to link to our Sites, please contact us using the information provided in these Terms.
You may access the Service, or parts of it, on your mobile device through the internet or a Mobile Application we distribute. We do not guarantee compatibility of the Service or Mobile Application with your mobile device. We grant you a limited, non-exclusive, non-transferable, revocable license to download and use object code copies of the Mobile Application for one registered account on devices you own or lease, solely for personal use. You may not: Modify, disassemble, decompile, or reverse engineer the Mobile Application, except as permitted by law. Rent, lease, loan, resell, sublicense, distribute, or otherwise transfer the Mobile Application to any third party or use it for time-sharing services. Make copies of the Mobile Application. Use the Mobile Application for any purpose prohibited by these Terms. We may issue upgrades to the Mobile Application and may automatically update the version you are using. You consent to automatic upgrades on your device, and these Terms will apply to all such upgrades. Standard carrier data charges may apply to your use of the Service on a mobile device. Additional Terms for iOS Apps: You acknowledge that these Terms are between you and Safebox only, not Apple, Inc. ("Apple"). Your use of the iOS App must comply with Apple's current App Store Terms of Service. Safebox is solely responsible for the iOS App and its content. Apple has no obligation to provide maintenance or support. Safebox is responsible for addressing any claims relating to the iOS App, including product liability claims and claims under consumer protection laws. You represent that you are not in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and you are not listed on any U.S. Government restricted party list. You agree to comply with all applicable third-party terms while using the iOS App. Apple and its subsidiaries are third-party beneficiaries of these Terms regarding your license of the iOS App. Additional Terms for Android Apps: You acknowledge that these Terms are between you and Safebox only, not Google, Inc. ("Google"). Your use of the Android App must comply with Google's current Play Store Terms of Service. Google is merely the provider of the marketplace where you obtained the Android App; Safebox is responsible for the Android App and its content. Google is a third-party beneficiary of these Terms in relation to the Android App.
By submitting or posting any materials or content on the Sites or through the Service, you grant Safebox a perpetual, irrevocable, non-terminable, worldwide, royalty-free, transferable, and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works from, and sublicense such materials for any purpose. Comments, questions, or suggestions you provide about the Mobile Application or Service ("Feedback") will be treated as non-confidential and non-proprietary. You assign all rights to any ideas or concepts in your Feedback for any purpose, including product development and marketing. If the assignment is prohibited by law, you grant us a royalty-free license to use and sublicense all Feedback as we see fit. We are not obligated to use or distribute any Feedback, and you have no right to compel us to do so. Safebox may use any content or Feedback you submit without any obligations of confidentiality, attribution, or compensation to you. When contributing content, you agree not to falsify or delete any author attributions or legal notices. You further agree that your submissions will not include anything you do not have the right to grant Safebox, or anything unlawful, abusive, or obscene. We reserve the right not to post your content if it contains any of the following: Material that defames, abuses, harasses, stalks, threatens, or violates others' legal rights. Obscenities, discriminatory language, or other unsuitable language for a public forum. Advertisements, spam, or references to other products or services. Personal contact information. Unduly critical or spiteful comments about other content or its authors. Files containing software protected by intellectual property laws unless you own the rights. Files with viruses or other harmful software. Other deceptive content, as determined at our discretion.
Safebox strictly prohibits the posting of any content that violates or infringes upon the copyright and other intellectual property rights (including privacy and publicity rights) of any individual or entity. If you believe that material on our Sites or Mobile Application infringes your copyright or other intellectual property rights, please notify us in accordance with the Digital Millennium Copyright Act (DMCA) (17 U.S.C. §512(c)(3)) to request removal of the infringing material. We will process such notices and take appropriate action as required by the DMCA.
We reserve the right, but not the obligation, to monitor the Service electronically. We may access, use, preserve, transfer, or disclose any information regarding your or others’ use of the Service (including personal information as defined in our Privacy Policy) as necessary to: Comply with applicable laws, regulations, or legal processes. Respond to governmental requests or cooperate with law enforcement if we believe such action is required or permitted by law. Enforce these Terms and investigate potential violations. Protect the safety, integrity, rights, or security of our members, our Service, or any third party. Detect, prevent, or address fraud, security, or technical issues.
THE SITES AND SERVICE, AND ALL MATERIALS AND INFORMATION ON OR ACCESSIBLE THROUGH THEM, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. WHILE WE STRIVE TO PROVIDE ACCURATE AND TIMELY INFORMATION, THERE MAY BE INADVERTENT ERRORS OR OMISSIONS. WE CANNOT CONTROL CERTAIN ASPECTS OF WEB USAGE, EMAIL, YOUR COMPUTER, OR YOUR INTERNET CONNECTION. THEREFORE, WE DO NOT REPRESENT THAT THE OPERATION OF THE SITES OR SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE AND WILL NOT BE LIABLE FOR ANY INTERRUPTIONS OR ERRORS. WE ASSUME NO RESPONSIBILITY AND SHALL NOT BE LIABLE FOR ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER OR OTHER PROPERTY AS A RESULT OF YOUR USE OF THE SITES, SERVICE, OR YOUR DOWNLOADING OF ANY MATERIALS FROM THEM. MEMBERS AND POTENTIAL MEMBERS ARE ENCOURAGED TO CONTACT US OR OUR AGENTS BY NON-INTERNET MEANS FOR IMPORTANT PERSONAL TRANSACTIONS. UNDER NO CIRCUMSTANCES SHALL SAFEBOX LLC, ITS RESPECTIVE BANK PARTNERS, OR ANY OF THEIR PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, SUPPLIERS, SUCCESSORS, OR AGENTS (COLLECTIVELY, "THE SAFEBOX PARTIES") BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING IN CONNECTION WITH THE SITES OR SERVICE, OR FROM YOUR USE OR INABILITY TO USE THE SITES OR SERVICE; OR IN CONNECTION WITH ANY PERFORMANCE FAILURE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION IN RESPONSE TO YOU VIA EMAIL OR OTHER ELECTRONIC MEANS, EVEN IF THE SAFEBOX PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW EXCLUSIONS OR LIMITATIONS OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES; IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Please read this dispute resolution provision carefully, as it affects your rights. Arbitration is a private means of resolving disputes that replaces your right to go to court. Without this arbitration agreement, you might have the opportunity to bring claims before a judge or jury and participate in class actions. By accepting these Terms, you waive your right to litigate claims in court. Arbitration does not involve a judge or jury, and court review of an arbitration award is limited. The arbitrator must adhere to these Terms and can award damages and relief similar to what a court could grant, including attorney's fees. The term "Dispute" encompasses any claim or controversy between you and the Safebox Parties related to your relationship with Safebox, including those based on contract, statute, tort (e.g., fraud or negligence), or other legal theories. This definition also covers the validity, enforceability, or scope of this Provision, except for the Class Action Waiver below. "Dispute" will be interpreted broadly and includes claims against third parties related to services or products provided through the Safebox Parties. You and the Safebox Parties agree that, unless stated otherwise, any Dispute, whether past, present, or future, will be resolved exclusively through binding arbitration, not in court.
For all Disputes, you must first give the Safebox Parties a chance to resolve the issue. Begin this process by sending written notice to Safebox LLC, Legal Department, PO Box 4085, Menlo Park, CA 94026. This notice must include (1) your name, (2) your address, (3) a description of the Dispute, and (4) the relief you seek. If the Safebox Parties do not resolve the Dispute to your satisfaction within 45 days, you may proceed to arbitration. Court action is only permitted under specific circumstances outlined below.
You or the Safebox Parties may opt to pursue a Dispute in court rather than arbitration if (a) it qualifies for small claims court, or (b) you opt out of these arbitration procedures within 60 calendar days from accepting these Terms (the "Opt-Out Deadline"). To opt out, mail written notice to Safebox LLC, PO Box 4085, Menlo Park, CA 94026. This notice must include (1) your name, (2) your address, and (3) a statement indicating your desire to not resolve disputes through arbitration. This is the only method for opting out. Opting out will not adversely affect your relationship with Safebox. Any requests received after the Opt-Out Deadline will be invalid, and you must pursue your Dispute in arbitration or small claims court. You or we are not required to submit claims for public injunctive relief under California or federal statutes that specifically provide for such relief to arbitration. These claims will be handled separately, with the proceedings for the Public Issue stayed until other issues are resolved by arbitration.
You and the Safebox Parties must mutually agree on an arbitrator. If an agreement cannot be reached, the court will appoint one in accordance with the Federal Arbitration Act (FAA), 9 U.S.C. §5. The arbitration hearing can occur in person or via teleconference within the U.S., typically in the federal district where you reside or another agreed-upon location. Since the Sites and Services involve interstate commerce, the FAA governs all Disputes. The arbitrator will apply relevant laws in accordance with the FAA and applicable statutes. The arbitrator cannot grant class or representative relief or consolidate claims.
You and the Safebox Parties must mutually agree on an arbitrator. If an agreement cannot be reached, the court will appoint one in accordance with the Federal Arbitration Act (FAA), 9 U.S.C. §5. The arbitration hearing can occur in person or via teleconference within the U.S., typically in the federal district where you reside or another agreed-upon location. Since the Sites and Services involve interstate commerce, the FAA governs all Disputes. The arbitrator will apply relevant laws in accordance with the FAA and applicable statutes. The arbitrator cannot grant class or representative relief or consolidate claims.
You or the Safebox Parties may initiate arbitration in Orange County, California.
If arbitration is chosen, filing costs and administrative fees will be handled per the administrator's rules or applicable law. The Safebox Parties will cover one full day of hearing fees. Parties requesting additional days will bear their own costs unless otherwise agreed. Each party will cover their attorney's fees unless a statute permits recovery. The Safebox Parties will also pay any necessary fees to ensure this Provision is enforceable. If the arbitrator finds a claim to be frivolous or meant to harass, they may impose sanctions on the responsible party.
The arbitration will be conducted in English, but you may have it translated into Spanish or another agreed-upon language. If an agreement on a translator cannot be reached, the arbitrator will appoint one.
Except as specified in this Provision, the arbitrator may not consolidate claims and cannot oversee class actions unless both you and the Safebox Parties agree in writing after arbitration initiation. If you pursue your Dispute in court by opting out of the Arbitration Provision, this Class Action Waiver will not apply. No party can serve as a class representative or participate in a class or representative proceeding without complying with the opt-out requirements.
If a court finds any part of this Provision unenforceable, the remainder will still apply. If the Class Action Waiver is unenforceable, the entire Provision (excluding this sentence) will become unenforceable regarding class actions. This Provision will survive termination of these Terms. If Safebox changes this Provision (excluding address changes), you can reject the changes and require adherence to the existing terms. In case of conflict between this Section 11 and any signed agreement regarding loans or credit products, the signed agreement will take precedence.
Failure or delay by us to exercise any right under this agreement does not constitute a waiver of that right or any other rights under this agreement.
Safebox communicates through text messages, emails, push notifications, and other alerts. To use the Service, you must provide and verify your mobile device number or text message address and give explicit consent to receive text messages related to the Service at that number or address. This consent is a condition of using the Service, and standard data and message fees from your carrier may apply. To verify your mobile device number or text message address, we may send you a code via text message. You must enter that code as instructed. If you change your mobile device number or text message address, you are required to promptly update and verify your new information. Text messages may include pre-recorded, autodialed, and promotional messages. You can opt-out of receiving certain text messages by replying "STOP" to any message from us and following the prompts. Note that you may need to send or receive additional messages to confirm whether you wish to stop promotional texts or to cancel your subscription. We will respond to your inquiries via email if you provide an email address. However, be aware that information sent via email may not be entirely confidential due to the nature of electronic communication, and others may access the email account you provide. Unless you specifically state in capital letters: "DO NOT RESPOND TO THIS INQUIRY BY EMAIL," you consent to our response via email, acknowledging the risks associated with this method. If you provide your email address, we may also send you promotional materials. You can unsubscribe from these promotional emails by clicking the "Unsubscribe" link at the bottom of any promotional email.
If you have any questions about this Privacy Policy or how Safebox handles your personal information, please feel free to contact us:
Safebox LLC 25108 Marguerite Pkwy, Ste A124 Mission Viejo, CA 92692