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Terms of Service

Last Revision Date: September 24, 2020 

Melio Payments, Inc. d/b/a Melio (“Melio”) enables business-to-business payments and, in some limited scenarios, consumer-to-business payments as described below in  Section 3.2. These Terms of Service (the “Agreement”) are a legal agreement among  Melio, Melio’s bank partners, and you and any person or organization for which you act.  Melio’s current bank partners include Evolve Bank & Trust (“Evolve”) and Silicon Valley  Bank (“SVB”) (each, a “Bank” and collectively, the “Banks”). This Agreement governs  your use of our website located at www.meliopayments.com and the associated  software and services (collectively the “Services”). PLEASE READ THIS AGREEMENT  CAREFULLY BEFORE USING ANY MELIO SERVICES. If you do not agree to this  Agreement, do not use the Services. 

This Agreement provides that all disputes between you and Melio will be resolved by  BINDING ARBITRATION. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO  COURT to assert or defend your rights under this contract, except for matters that may  be taken to small claims court. Your rights will be determined by a NEUTRAL  ARBITRATOR and NOT a judge or jury, and YOUR CLAIMS CANNOT BE BROUGHT  AS A CLASS ACTION. Please review Section 26 (“Dispute Resolution and Arbitration”)  for the details regarding your agreement to arbitrate any dispute with Melio. 

As used in this Agreement, the words “you” and “your” refer to you, a User (defined  below) of the Services and the Party agreeing to this Agreement. The words “we,” “us,”  “our” and any other variation thereof refer to Melio. Please note that each of Evolve and  SVB may also enforce any provisions of this Agreement that relate to the banking  services or payment processing that they provide. Any reference to Melio, Evolve, or  SVB in this Agreement also includes, as applicable, their respective affiliates, directors,  officers, employees, contractors, owners and agents. 

1. ACCEPTANCE OF AGREEMENT. 

By accessing the Services, you agree to, and are bound by, the terms and  conditions of this Agreement. If you do not agree to this Agreement, do not use  the Services. You represent that you have authority to enter into this Agreement  on your own behalf and on behalf of any person or organization for which you  act. 

2. AMENDMENTS. 

Melio may modify this Agreement at any time in its sole discretion by updating  this posting. We will take reasonable steps to notify you of any material changes  to this Agreement. Your continued use of the Services after a modification  signifies your agreement to the modification. If you have any questions about  this Agreement, please contact us at: support@meliopayments.com.

3. OVERVIEW OF MELIO SERVICES. 

3.1. Description of the Services. Melio provides Services which generally  enable United States-based businesses and freelancers (“Payors”) to  transmit payments for commercial purposes to United States-based  business recipients (“Recipients”), including Recipients who do not accept  a Payor’s preferred payment method, (collectively “Users”). Payors may  capture a Recipient invoice using their mobile device, upload an invoice  electronically, import an invoice from various accounting software, or enter  in invoice details manually. Such information may be used to generate a  bill which can then be synched with various accounting software. Melio  may also partner with Recipients to facilitate their receipt of funds and  crediting of customer accounts. Recipients may generate and upload  invoices through the Melio Services to request payment from Payors,  Recipients may request payment from Payors without uploading invoices,  and Recipients may also request payment from payors that have not  registered for Melio’s Services. For access to and use of the Services,  Melio may charge Users a fee (the “Fee”) at the time of Payment  

submission. 

3.2. Limited Use of Service for Consumer to Business Payments. California based Recipients that enroll in the Services may also use the Services to  accept payments from consumer-payors that reside in California. By  using the Services for this purpose, Recipient acknowledges and agrees  that Melio is the agent of the Recipient for purposes of the payment  transaction. As a result, the consumer-payor’s obligation to Recipient is  satisfied when the consumer-payor submits payment to Melio. Please  note that California-based consumer-payors cannot independently register  for the Melio Services; they may only use the Services where an enrolled  Recipient requests payment from such consumer-payor. 

3.3. Accepted Payment Methods. Melio enables Users to transmit payments  to Recipients via automated clearinghouse (“ACH”), credit or debit card, or  via wire transfer. Recipients may receive payments via paper check,  electronic check, debit card, ACH transfer, wire transfer, or via virtual card  number (“VCN”). 

• Melio supports payments from all U.S. financialinstitutions. 

• Cards issued on the following payment networks may be used as  payment methods via the Services: Visa, MC, Discover, STAR, 

PULSE and Accel.

3.4. Fund Ownership. 

• Payments to Recipients (other than Fees) do not pass into Melio’s  legal ownership at any time from payment initiation to successful delivery, including any subsequent refunds. 

• FOR TEXAS RESIDENTS ONLY: To the extent that Melio collects  payment or payment instructions from you for transmission to  Recipients, it does so on behalf of Evolve as Evolve’s limited  

payment collection agent. Accordingly, payment to Melio shall be  considered the same as payment made directly by you to Evolve.  Upon your delivery of funds to Melio, your payment obligation to  Evolve is extinguished, and Melio is responsible for remitting the  received funds to Evolve. If Melio fails to remit any such amounts it  receives from you to Evolve, Melio is solely liable to Evolve for the  funds, and you shall not have liability thereof. 

• Melio uses master bank accounts at each of the Banks that are held  in the Banks’ names and owned by the Banks. The account titles also show that these accounts are for the benefit of customers of  Melio. You grant Melio the right to instruct the Banks on the use of  funds in the accounts, including to receive funds from you and to  then send funds to your Recipient based on your instructions. The  Banks transfer all funds for the benefit of Melio’s customers upon  Melio’s instructions. 

3.5. An Independent Third-Party. 

• Melio is an independent, third-party service that is not formally  affiliated with your Recipients. You acknowledge and agree that  your use of the Services does not in any way constitute a tri-party agreement between you, Melio, and your Recipients. 

• Accordingly, neither Melio nor the Banks have responsibility nor will  have liability for any consequences resulting from your interactions  or contracts with Recipients, including but not limited to payment terms, the proper and timely delivery of goods or services, and any  associated disputes which may arise. You further acknowledge  that your use of Melio Services does not alter or affect any  

Recipient payment terms including but not limited to deadlines,  payment plans, late fees, and refunds. Neither Melio nor the Banks endorse, recommend, or bear any responsibility or liability for any products, services or statements presented by Recipients. 

Recipient statements and opinions are not representative of Melio or its business partners.

4. ELIGIBILITY AND SETTING UP YOUR ACCOUNT 

4.1. Eligibility Requirements. In order to use the Services, you must (i) be an  individual of at least 18 years of age and able to form legally binding  contracts under applicable law, (ii) have a valid and active e-mail address,  (iii) use the Services on behalf of a United States-domiciled business  entity or freelancer; and (iv) have a valid deposit account at a Melio supported bank or payment card issued on a Melio-supported network as  outlined in Section 3.3 above. Other restrictions may apply. 

4.2. Creating an Account. In order to access the Services as a User, you must  create an account (“Account”). When you set up your Account, you will be  required to create log-in credentials by providing certain types of personal  information including your name, a valid email address, information about  your business, and a strong password (collectively, your “Registration  Information”). We may also request additional information, such as your  business’ EIN, after you have created your Account. You agree to provide  true, accurate and complete Registration Information and to notify us  promptly if any of your Registration Information, including your email  address, changes. You agree that you will take reasonable precautions to  safeguard your password and other authentication details and keep them  confidential. You are responsible for all activity that occurs in association  with your Account. Melio is not liable for any loss or damages caused by  your failure to maintain the confidentiality of your Account credentials. 

4.3. Privacy; Identity Authentication 

• Personally identifiable information (“Personal Information”)provided  through the Services is governed by our Privacy Policy located at  

https://bit.ly/2zrcrO6. By using the Services, you agree to, and are  bound by, the terms of Melio’s Privacy Policy which is incorporated  by reference into this Agreement as if it were set forth herein in its 

entirety. 

• You authorize Melio, directly or through third parties, to make any  inquiries we consider necessary to verify your or your business’  

identity. This may include asking you for further information,  

requiring you to take steps to confirm ownership of your email 

address, financial instruments, or information associated with your 

business, and verifying your Personal Information and your 

business’ information against third party databases or through other  sources. If Melio cannot verify your or your business’ identity, Melio  reserves the right to deny you use of the Services or to limit your  

use of your Account. 

• If you as a Recipient receive, in a calendar year (1) more than  $20,000 in payments made through the Services; or (2) more than

200 individual transactions through the Services, you agree to provide Melio with your taxpayer identification number. 

4.4. Linking a Payment Method. Once you have created an Account, you may link various payment methods, including your depository accounts with  financial institutions (each, a “Bank Account”) or credit or debit cards. We  use Plaid Technologies, Inc. (“Plaid”) to gather your data from financial  institutions. By using the Services, you grant Melio and Plaid the right,  power, and authority to act on your behalf to access and transmit your  personal and financial information from the relevant financial institution.  You agree to your personal and financial information being transferred,  stored, and processed by Plaid in accordance with the Plaid Privacy Policy  available at https://plaid.com/legal. Please note that payment methods  may be saved to your Account for easy reference and submission. 

4.5. Payment Method Verification. Upon addition to your Account, your Bank  Account may be verified to confirm its validity. A temporary, small  authorization charge may appear on your bank statement. You authorize  Melio to credit your Bank Account with two (2) different and random micro deposits, which you will be required to enter once prompted through the  Services. You also authorize Melio to debit your Bank Account for the amounts of the two (2) micro deposits within ten (10) business days. 

4.6. Payment Method Representations. When you add a payment method to  your Account, you agree to the following: 

• You have the authority to disclose the payment method information  and to bind the person or organization for which you act; 

• You authorize the initiation of debit or credit entries, as applicable,  to the payment methods in accordance with instructions inputted  through the Services, and, if necessary, the initiation of adjustments  for any transactions debited or credited in error; 

• You acknowledge that transactions initiated from your payment  method must comply with the provisions of U.S.law; 

• Your authorization will remain in effect until not later than thirty (30) days after Melio receives written notice from you of your desire to  cancel; and 

• You will not use the Services for personal, family, or household purposes; unless you are a California-based Recipient receiving  payments from California-based payors for personal, family, or  household purposes.

4.7. Your Existing Payment Method Terms. 

• All payment method usage associated to payments submitted via  the Services are subject to existing terms for your payment method,  including any relevant credit or transactional limits, credit and 

interest terms, and rewards programs. Where applicable, Melio (and to the extent applicable, the Banks) retains all rights and 

authority for the treatment of your payment methods via the  

Services, which may supersede your payment method program  terms. For example, Melio may impose a transactional limit on your  payment method for payments via the Services, which may be a  lower value than the amount allowed by your program. 

• Payments may only be made to U.S. payment methods. We may,  in our sole discretion, impose limits on the size, frequency, and  timing of payments sent through the Services, on a per transaction or a cumulative basis, and change those limits at any time. 

4.8. Restrictions on Payment Methods. To prevent fraud and comply with legal  obligations, we may put your payment method on hold for review. If you  do not cooperate with our review process, your payment may be delayed  or declined. We reserve the right to limit or refuse your use of a particular  payment method for any reason in our sole discretion. 

4.9. Recipient Setup. To use the Services, a Payor may enter payment  information for Recipients. The Payor must provide correct and current  payment information for each Recipient as follows: 

• For both check and electronic payments, the Payor must provide the Recipient name and remittance address. 

• In addition, for electronic payments, the Payor must: 

o Invite the Recipient to set up an Account by sendingthe  Recipient an e-mail invitation through theServices; 

o Input the Recipient’s bank routing number and bankaccount  number through the Services; 

o Input the Recipient’s telephone number and email address; or 

o Confirm existing Recipient details (if they have previously used the Services and Melio has retained such Recipient 

details). 

Please note that the ability to effect electronic payment to new Recipients  will depend on the Recipient’s willingness to provide us and the Banks 

with its banking details. If the Recipient does not provide this information,  neither the Banks nor Melio will be able to complete your transaction  electronically and we or our business partners will send such Recipient a  paper check. 

You are responsible for verifying the accuracy of the foregoing Recipient  information prior to scheduling payments, and neither Melio nor the Banks  will have liability for losses or damages due to your or your Recipient’s  actions or inactions. If you invite a Recipient to set up an Account, it will  take several business days to complete the verification process required  to activate the Account for electronic payments. If you input a Recipient’s  bank routing number and bank account number on behalf of a Recipient,  you represent and warrant that you have obtained from the Recipient the  authorizations set forth in Section 4.6 above. 

Alternatively, a Payor may invite a Recipient to set up their own Account  and provide their appropriate payment information. 

5. MOBILE INVOICE CAPTURE 

The Services may enable you to upload an invoice using the camera on your  mobile device or computer (the “Remote Capture Service”). 

5.1. Image Quality. The image of an invoice transmitted using Remote  Capture Service must be legible and clear. It must capture all pertinent  information from the front of the item. You authorize us to convert items to  Image Replacement Documents (“IRDs”) or transmit them as an image. If  the electronic files and/or images transmitted to us with respect to any  item do not comply with our requirements for content and/or format, we  may, in our sole discretion: 

• Further transmit the item and data in the form received from you; 

• Repair or attempt to repair the item or data and then further transmit it; 

• Process the item as photocopies in lieu of originals;or 

• Return the data and item to you unprocessed. 

5.2. Remote Capture Minimum Hardware and Software Requirements. In  order to use the Remote Capture Service, you must obtain and maintain,  at your expense, compatible hardware and software including but not limited to an Internet connection and either a mobile phone or computer capable of capturing an electronic image.

6. MAKING PAYMENTS THROUGH THE SERVICES. 

6.1. Payment Submission. Payments can be submitted for immediate or future  processing via the Services. Payment submission requires at least the  following to be specified:  

• a Recipient; 

• a payment method; 

• a payment amount; and 

• your invoice number. 

Any or all of the above fields may be pre-filled for you. As further outlined  in our Privacy Policy and the Banks’ privacy policies, you agree to allow  Melio (and to the extent applicable, the Banks) to share this information  with your payment Recipient. 

6.2. Payment Information. Melio may require additional information from you  at the time you submit a payment. This may include, but is not limited to,  requesting additional documentation related to a specific payment or  additional details regarding the designated Recipient. 

6.3. Satisfactory Goods or Services. By submitting your payment for  processing through the Services, you agree that the goods or services provided by your Recipient in exchange for the payment (minus Fees)  have already been rendered to your satisfaction. You hereby forfeit any  future claims regarding insufficient or unexpected quality or untimely  delivery of the goods and services provided, including those Services rendered by Melio in exchange for your payment of fees and those  services rendered by the Banks. 

6.4. Processing Payments. 

• Payments made through the Services require sufficient time for  your Recipient to receive your payment and credit your account 

accordingly. To make a payment, use the Services to select the  

date (“Process Date”) on which Melio (or its business partners) will  debit your payment method to pay a bill or an invoice. The  

Services will indicate the earliest possible Process Date for each  

payment. We will use commercially reasonable efforts to issue  

payment within one to two business days following the Process  

Date, depending on the size of the payment and subject to  

“payment review,” as described in Section 9 below. 

• You will be solely responsible for scheduling payments and  

selecting a Process Date for each payment that allows sufficient

time for the payment to be delivered on or prior to the bill’s due  

date. Typically, it takes two to three full business days after the  

Process Date to post an electronic payment and five full business  

days to deliver a check payment within the territorial United States  by first class mail. Note, however, that the expected delivery  

timeframe is a projected estimate based on Melio’s historical  

performance for a given disbursement channel, and is subject to 

change. 

• Payments submitted for immediate processing will require  

successful payment method authorization at time of submission,  

while payments marked for future processing will require payment 

method authorization on the Process Date indicated for the 

payment. If a payment method fails to authorize, Melio and the  

Banks will be unable to continue to process your payment, and 

Melio will notify you via the Services. 

6.5. Scheduled Payments. 

• Payments may be submitted with a Process Date in the future  (“Scheduled Payments”), but must be assigned to a payment  

method at time of submission which remains valid through the 

payment Process Date. The details of a Scheduled Payment, 

including associated Fees, are locked in at time of submission,  

except where noted otherwise. 

• Prior to its Process Date, a Scheduled Payment may be cancelled  or edited via the Services. Editing a Scheduled Payment is  

functionally treated as the deletion of the original Scheduled 

Payment and creation of a new Scheduled Payment, and  

accordingly may result in alterations not specifically requested  

including but not limited to recalculation of associated fees (per  

Section 15.1), and reiteration of any applicable payment review  

processes (per Section9). 

7. PAYMENT AUTHORIZATION. 

7.1. General Payment Authorization. 

• By providing us with the names and account information of  

Recipients to whom you wish to direct payments, you authorize us 

and the Banks to follow the payment instructions that are received 

from you. In order to process payments more efficiently and  

effectively, the Banks, at Melio’s instruction, may submit payments  to the best known Recipient address. When necessary, the Banks,  at Melio’s instruction, may alter payment data or data formats or  

change or reformat your Recipient account number to match the 

account number or format required by your Recipient for electronic  payment processing. 

• When Melio or the Banks receive a payment instruction, you authorize each such party to debit your payment method and remit  funds on your behalf. You also authorize Melio or the Banks to  

credit your payment method for payments returned to us by the  

Post Office or Recipient, or payments remitted to you on behalf of 

another authorized user of the Services. 

7.2. ACH Authorization. Where you choose to pay a Recipient via ACH, you  authorize Melio or the Banks to debit your payment method in increments  or as a lump sum and remit funds in accordance with your payment  instructions through the ACH. You also give Melio or the Banks the right  to resubmit any ACH debit that is returned for insufficient or uncollected  funds, or any other reason. You agree that payment transactions will be  governed by the rules established by NACHA, the Electronic Payments  Association, as in effect from time-to-time, under which you are an  "Originator", Melio is a "Third Party Service Provider," and the Banks are the "Originating Depository Financial Institutions." You are responsible for  all claims, demands, losses, liabilities and expenses (including attorneys’  fees and costs) that result directly or indirectly from your failure to perform  your obligations under the NACHA rules and you indemnify Melio and the  Banks for the same. 

8. TRANSACTION CLASSIFICATION. 

8.1. Cash Advances. Melio will prepare and submit credit card authorizations  as purchases rather than cash advances. However, in some cases where  Melio does not have an existing relationship with the merchant, your credit  card transactions may be treated as a cash advance. If this is the case,  we cannot support such payment. We will notify you prior to payment  submission, and you may switch to a different card or opt out of the  submitting the payment altogether. 

8.2. Authorizations. Treatment of Melio authorizations is managed in the sole  discretion of the issuing banks. You agree to not to hold Melio or the  Banks liable for any consequences resulting from issuer treatment of card  authorizations, which may include but are not limited to cash advance  fees, impacted reward program earnings, or altered credit programs and  interest rate terms. 

9. PAYMENT REVIEW. 

9.1. Review. At any time post submission, your payment may be subject to  review, which serves to better understand the nature of and reason for  your payment. During this review process and for any reason, Melio or 

the Banks may place a temporary hold on the delivery of your payment for as long as reasonably required to conduct an appropriate inquiry regarding  you, the Recipient, your business, a bill, payment history, and other  relevant circumstances and factors. 

9.2. Cooperation. You acknowledge that Melio’s ability to efficiently and effectively review your payment is reliant upon your cooperation, and you absolve Melio and the Banks from any negative impacts to the delivery of  your payment arising from delayed, incomplete, or insufficient responses  to our inquiries. 

9.3. Result of Payment Review. Depending on the results of this review, Melio  may instruct the Banks to clear the payment, reverse the payment, or hold  the payment pending instructions from a government agency. Melio also  reserves the right to cancel any payment. In such cases and as permitted by applicable law, your funds will be returned to you via the original payment method, or if necessary via other means. 

10. RETURNED TRANSACTIONS. 

Recipients or the United States Postal Service may return payments for various reasons such as, but not limited to, Recipient’s forwarding address expired,  invalid bank routing number, invalid bank account number, Recipient remittance  address is not correct, Recipient is unable to identify an account, or a Recipient  account is paid in full. In addition, a Recipient may refuse to accept a payment,  and neither Melio nor the Banks will have liability for any resulting loss or  damage. Melio will use commercially reasonable efforts to provide you with  notice of returned payments and will offer you through the Services the choice  whether to void and credit or void and reissue the payments. You agree that  neither Melio nor the Banks shall have any liability for any such returned  payments. Unless otherwise directed, Melio will void such payments. You  hereby authorize Melio or the Banks to credit such payments to your payment method. 

11. INSUFFICIENT FUNDS. 

You agree at all times to maintain sufficient funds in your payment method to satisfy all obligations including returns, reversals, and associated fees, and to add  funds immediately if Melio notifies you that your funds are insufficient. Without  limiting any other available remedies, if any payment initiated from your payment  method is returned because of insufficient funds, you must reimburse Melio (or to  the extent applicable, the Banks) for any corresponding payment amount  immediately upon demand, plus exceptions processing fees, plus any bank fees,  charges or penalties for return items. Melio or the Banks also reserve the right to  debit a Recipient’s account for money paid to the Recipient on your behalf if your  payment is returned because of insufficient funds or any other reason. Each of  Melio and the Banks reserves the right to withhold funds from a payment to a 

Recipient if the Payor has an outstanding balance with Melio. You shall be solely  responsible for all penalties, interest charges, late payment fees and service fees  resulting from such a debit to the Recipient. 

12. PAYMENT CANCELLATION REQUESTS 

Scheduled payments may be cancelled, rescheduled or modified by following the  directions through the Services. There is no charge for canceling, rescheduling  or modifying a payment before it is processed. However, once Melio or the  Banks have begun processing a payment, it cannot be cancelled, rescheduled or  modified, and you must submit a stop payment request. 

13. CHARGEBACKS 

In the event that you as Payor initiate a chargeback, clawback, or ACH return for  a payment that has already been transmitted to the Recipient, you agree to  assign to Melio any claims against your Recipient associated with such  chargeback, clawback or ACHreturn. You further agree that we may contact  your Recipient directly to request reimbursement for any payment that has been  transmitted to the Recipient and for which you have initiated a chargeback,  clawback, or ACH return. 

In the event that Melio receives a chargeback, clawback or ACH return, you as  Recipient authorize Melio to debit your Payment Method on file for the amount of  the chargeback plus any associated fees or to withhold funds from future  distributions. 

14. STOP PAYMENT REQUESTS 

Melio’s ability to process a stop payment request depends on the payment  method and whether or not a check has been cleared. Melio and the Banks must  have a reasonable opportunity to act on any stop payment request after a  payment has been processed. You must contact Melio to stop any payment that  has already been processed. Although Melio will use commercially reasonable  efforts to accommodate stop payment requests, neither Melio nor the Banks will  have any liability for failing to do so. Stop payment requests will incur the  charges set forth through the Services. 

14.1. Payment Refunds. 

• In certain situations following a payment submission, you may  request a refund by contacting Melio at  

support@meliopayments.com. The availability of refunds and  

processes for their execution are dependent on the disbursement  

channels by which payments are delivered to Recipients. Melio is 

unable to issue partial refunds. More specific information is 

provided below in Sections 14.2 and 14.3.

• Melio is also unable to initiate refunds in cases where a Recipient  has already received your payment. If this is the case, you should  contact your Recipient directly to request a refund, pursuant to their payment terms. 

• In the event of a refund, Melio will also refund a proportional  amount of the Melio Fee, less any unrecoverable costs Melio or the  Banks may incur. Principal refunds effected via clawback or 

chargeback mechanisms, however, will not result in a refund of the  Melio Fee, in whole or in part. 

14.2. Refunds for Electronic Payments. Melio may refund electronic payments,  including those delivered via Electronic Fund Transfer (“EFT”), ACH and  card network providers, prior to their disbursement. 

14.3. Refunds for Check Payments. 

• Melio may refund payments disbursed via check prior totheir  deposit by your Recipient. If Melio has already sent a check, we  

may place a “stop payment” request to ensure it cannot be  

deposited. In such cases, we suggest that you contact your  

Recipient to let it know not to deposit the stopped check. 

• If your Recipient attempts to deposit a stopped check, it may be  charged a fee from its bank for the exception, which it may attempt  to assign to you. You accept the responsibility of notifying your  

Recipient to not deposit your check, and you agree not to hold  

Melio or the Banks liable for any costs you may incur from your  

Recipient in such acase. 

15. MELIO FEES 

15.1. Service Fees. 

• You understand and agree that Melio may charge Fees for access  to and use of the Melio Services. Fees will be charged to your 

payment method, either in a separate transaction from any principal  payments or in a single transaction including both amounts,  

depending on applicable rules. 

• Fees for immediately processed payments are charged in real-time  upon submission. Fees for Scheduled payments are locked in at 

time of submission and will be charged on the payment’s Process  

Date. If a Scheduled payment is edited prior to its Process Date,  

the applicable Fee will be recalculated based on the presently  

defined rules.

15.2. Fee Updates. Fees may vary, depending upon factors including but not  limited to the payment’s Recipient, the payment method, and other  variables both which may or may not be controlled by Melio. Fees are  subject to change at any time without prior notice and are calculated in  real time and presented to you during review of your payment, prior to  submission or edit. 

16. APPLICABLE TAXES AND PENALTIES 

16.1. Taxes. You are responsible for all, if any, applicable taxes arising from  your use of the Services. You are furthermore responsible for all fees, fines, penalties and other liability incurred by Melio, yourself, or a third  party caused by or arising out of your breach of this Agreement, and/or  your use of the Services. You agree to reimburse Melio or a third party for  any and all suchliability. 

16.2. Collection of Funds Owed. In the event that you are liable for any amounts owed to Melio or the Banks, including for payments forwarded to  

Recipients for which you initiate a chargeback or ACH return, you  

authorize Melio (on its own behalf and on behalf of the Banks) to collect  such amounts from your default payment method or other available  payment methods. If you do not have sufficient funds available to fulfill  such payment, Melio (on its own behalf and on behalf of the Banks) may  engage in collection efforts and/or other legal actions to recover such  amounts from you. 

17. ACCEPTABLE USE 

17.1. Restricted Activities. You agree not to use the Services for the following  purposes: 

• For unsupported transfers, including sending money 

o to yourself or an entity in which you have control; 

o not in direct exchange for a rendered good orservice; 

o for alimony or to escrow accounts; 

o as a donation to an organization not classified as aregistered  charity; 

• other than for legitimate payment purposes (e.g., to testor probe  card behaviors). For unsupported goods and services, including 

o gambling and related activity (such as lotteries, bidding fee  

auctions, sports forecasting or odds making, fantasy sports 

leagues, internet gaming, contests, sweepstakes, and  

gamesof chance); 

o unsupported debt types (such as credit cardbalances,  uncollateralized loans, auto title loans); 

o certain investment accounts or to fund unsupported  investments, including but not limited to 401(k) accounts, 403(b) plans, 457 plans, 529 plans, and IRAs; 

o controlled substances and related goods or services; o tobacco, e-cigarettes, and e-liquid;  

o products sold by online pharmacies; 

o pornography, obscene materials, and sexually-related or “adult” services; 

o weapons, munitions, gunpowder, fireworks, and other  explosives; 

o gold, diamonds, precious metals and related goods or services; o toxic, flammable, and radioactive materials; or 

o other goods and services subject to governmentregulation. 

• In violation or potential violation of applicable law, regulation, rule, or legal interest, including 

o sending or receiving potentially fraudulent funds; 

o in the course of any activity regulated by the Financial  Crimes Enforcement Network (FinCEN) or any other relevant regulatory body; 

o infringement or potential infringement of any party’s copyright, patent, trademark, trade secret or other  

intellectual property rights, or rights of publicity or privacy; 

o acting in a manner that could be defamatory, tradelibelous,  threatening or harassing; 

o using your Account or the Services in violation ofapplicable  payment network rules. 

• In a manner detrimental to our provision of the Services, including

o the provision of outdated, false, inaccurate, orincomplete  information; 

o using any promotional or referral programs in a manner deemed abusive or against the intention of said programs; 

o maintain or using multiple Accounts; 

o allowing other individuals to access or use yourAccount; o using an anonymizing proxy; 

o using the Services in a manner that results in or may result  in complaints, disputes, claims, chargebacks, fees, fines, 

penalties and other liability to Melio, a third party, or you; 

o imposing unreasonable demands on our technical or 

personnel resources; 

o facilitating viruses, Trojan horses, worms or other computer  programming routines that may damage, detrimentally  

interfere with, surreptitiously intercept or expropriate any  

system, dataor Information; 

o using any robot, spider, other automatic device, or manual  process to access, monitor or copy our website without our 

prior written permission; 

o using any device, software or routine to bypass our robot  exclusion headers, or interfere or attempt to interfere, with 

our website or the Services; 

o taking any action that may cause us to lose any of the 

services provided by our Recipients, payment processors, or  other suppliers; 

o reselling, re-skinning, or otherwise distributing ourServices; 

o breaching this Agreement or any other agreement or policy that you have agreed to with Melio. 

If you have a payment use case which is not explicitly mentioned above,  and for which you would like to confirm support, please check with us by  emailing support@meliopayments.com. 

17.2. Remediation.

• Melio may request more information relating to your use of the  Services to seek to identify the restricted activities identified in  

Section 17.1 above (“Restricted Activities”). You agree to  

cooperate in any investigation and to provide confirmation of your 

identity and any information you provide to us, as we may require. 

• If we have reason to believe that you have engaged in any  

Restricted Activities or that you have used our Services  

inappropriately, Melio or the Banks (to the extent applicable)  

reserves the right to, in its sole discretion and at any time, take any  or all of the following actions: 

o Close, suspend, or limit your access to your Account orthe  

Services; 

o Hold, return, or reclaim funds; 

o Update inaccurate information you provided to Melio or third  parties; 

o Refuse to provide Services to you or related parties in the  

future; 

o Contact your bank or notify other Users, Recipients, law  

enforcement, or impacted third parties of your actions; 

o Take legal action against you. 

When not otherwise obligated by regulatory or compliance  

considerations, Melio will provide you with notice of any such  

actions. 

18. THIRD PARTY SERVICES AND LINKS TO OTHER WEBSITES 

The Services may enable you to connect to third-party services or products  (“Third Party Services”). If you decide to use Third Party Services, you will be  responsible for reviewing and understanding the terms and conditions for these  services. We are not responsible or liable for the performance of any Third Party  Services. Further, you agree to resolve any disagreement between you and a  third party regarding the terms and conditions of any Third Party Services with  that third party directly in accordance with the terms and conditions of that  relationship, and not Melio. The Services may contain links to third party  websites. The inclusion of a link to a third party website does not imply an  approval, endorsement, or recommendation by Melio. Such third party websites  are not governed by this Agreement. You access any such website at your own  risk. We expressly disclaim any liability for these websites. When you use a link  to go from the Services to a third party website, our Privacy Policy is no longer in  effect.

Your browsing and interaction on a third party website, including those that have  a link in the Services is subject to that website’s own terms, rules and policies. 

19. LIMITATION OF LIABILITY 

IN NO EVENT SHALL MELIO, OUR SUPPLIERS AND OUR RESPECTIVE  OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARENTS,  

SUBSIDIARIES, AFFILIATES, BENEFICIARIES, SUCCESSORS, OR ASSIGNS  (COLLECTIVELY, THE “MELIO PARTIES”) OR THE BANKS, THEIR  SUPPLIERS AND THEIR RESPECTIVE OFFICERS, DIRECTORS,  EMPLOYEES, AGENTS, PARENTS, SUBSIDIARIES, AFFILIATES,  BENEFICIARIES, SUCCESSORS, OR ASSIGNS (COLLECTIVELY, THE “BANK  PARTIES”) BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL  OR CONSEQUENTIAL DAMAGES INCLUDING LOSS OF INCOME, DATA,  PROFITS, REVENUE OR BUSINESS INTERRUPTION, OR COST OF  SUBSTITUTE SERVICES, OR OTHER ECONOMIC LOSS, WHETHER OR NOT  MELIO OR THE BANKS HAVE BEEN ADVISED OF THE POSSIBILITY OF  SUCH DAMAGES, AND WHETHER ANY CLAIM FOR RECOVERY IS BASED ON THEORIES OF CONTRACT, WARRANTY, TORT (INCLUDING  NEGLIGENCE AND STRICT LIABILITY) OR OTHERWISE ARISING OUT OF  OR IN CONNECTION WITH OUR SERVICES, OR THIS AGREEMENT  (HOWEVER ARISING, INCLUDING NEGLIGENCE). THE TOTAL LIABILITY OF  THE MELIO PARTIES (IN AGGREGATE) TO YOU OR ANY THIRD PARTIES IN  ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES ACTUALLY INCURRED IN THE SIX (6) MONTHS PRIOR TO THE  DATE UPON WHICH THE APPLICABLE CAUSE OF ACTION AROSE. FOR  TEXAS RESIDENTS ONLY, EVOLVE SHALL BE LIABLE FOR ITS FAILURE TO  REMIT FUNDS RECEIVED BY MELIO PURSUANT TO PARAGRAPH TWO OF  SECTION 3.4 TO RECIPIENTS IN COMPLIANCE WITH YOUR 

INSTRUCTIONS; PROVIDED, HOWEVER, THE TOTAL LIABILITY SHALL NOT  EXCEED THE AMOUNT OF THE FUNDS TRANSFERRED TO MELIO BY YOU.  SUBJECT TO THE PRECEDING SENTENCE, THE BANK PARTIES SHALL  HAVE NO OTHER LIABILITY TO YOU UNDER THIS AGREEMENT. 

Some jurisdictions do not allow the exclusion or limitation of incidental or  consequential damages so the above limitation or exclusion may not apply to  you. In such case, the liability of the Melio Parties shall be limited to the greatest  extent permitted under applicable law. 

20. DISCLAIMER OF WARRANTIES 

20.1. THE MELIO PARTIES AND THE BANK PARTIES PROVIDE THEIR  RESPECTIVE SERVICES “AS IS” AND WITHOUT ANY  

REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND,  WHETHER EXPRESS, IMPLIED OR STATUTORY. THE MELIO  

PARTIES AND THE BANK PARTIES SPECIFICALLY DISCLAIM ANY  IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, 

MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE  AND NON-INFRINGEMENT. NEITHER THE MELIO PARTIES OR THE BANK PARTIES ARE RESPONSIBLE FOR YOUR FAILURE TO 

PERFORM OBLIGATIONS UNDER THE AGREEMENT AND DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY YOU, MELIO, THE BANKS, OR ANY THIRD PARTY. 

20.2. Neither Melio nor the Banks have any control over the products or  services that are paid for using the Services and Melio nor the Banks can  ensure that a Recipient you are dealing with will actually complete the  transaction or is authorized to do so. Melio does not guarantee  

continuous, uninterrupted or secure access to any part of our Service, and  operation of our site may be interfered with by numerous factors outside of our control. Melio will make reasonable efforts to ensure that requests for  electronic debits and credits involving credit cards are processed in a  

timely manner but Melio makes no representations or warranties regarding  the amount of time needed to complete processing because the Services  are dependent upon many factors outside of our control, such as delays in  the banking system. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. 

21. INDEMNIFICATION 

You agree to defend, indemnify and hold the Melio Parties and the Bank Parties  harmless (including payment of reasonable attorney’s fees) against any claim or  demand (including attorneys’ fees) made or incurred by any third party arising out  of or relating to (a) your breach of any provision of this Agreement; (b) any  actions taken by Melio or the Banks pursuant to your instructions, including  wage-and-hour law claims; (c) your use of the Melio Services or any Bank  services; (d) your obligations to pay fees or fines to Melio, the Banks or any third  parties; (e) negligence or willful misconduct of your affiliates, employees,  contractors, or agents; and (f) all third-party indemnity obligations Melio or the  Banks incur as a direct or indirect result of your acts or omissions (including  indemnification of any payment card network, card issuer, or intermediary bank). 

22. CLOSING YOUR ACCOUNT 

You may request the closure of your Account at any time by emailing Melio at  support@meliopayments.com. Melio also reserves the right to close your  Account at any time with or without notice to you for any reason (including failure  to pay Fees or inactivity). You will remain liable for all obligations related to your  Account even after your Account is closed, including any fees or charges already  due to Melio. 

You may not close your Account to evade an investigation. Any payments  processed prior to Account closure will be completed by the Services, except 

those that may be cancelled following a payment review, per Section 9. All  scheduled payments for which you have not yet been debited at the time of  Account closure will be considered cancelled. 

23. MELIO’S SUSPENSION AND TERMINATION RIGHTS  

Melio, in its sole discretion, reserves the right to suspend or terminate this  Agreement, or suspend, terminate, or limit your access to, or use of, your  Account or some or all of the Services at any time upon notice to you. Please  note that Melio reserves the right to terminate the Services at any time. Melio will  try to notify you in advance, but is not obliged to do so. 

24. CONSENT TO ELECTRONIC DISCLOSURES 

24.1. Consent to Communications. Because the Services are provided  electronically, you agree that Melio may provide important information  electronically. Melio will issue the following information and disclosures  (“collectively, “Communications”) electronically via the Melio Services or  via electronic mail (“email”): 

• This Agreement, the Melio Privacy Policy, any other policies you  agree to, and any amendments, modifications, or supplements to 

these agreements or policies; 

• Disclosures or notices provided in connection with theServices,  including any required by applicable law; 

• Any customer service communications, includingcommunications  with respect to claims of error or unauthorized use of the Services; 

• Transaction history information, and 

• Any other communications related to the Services or your Account. 

Your consent to do business electronically and our agreement to do so  covers all transactions you conduct through the Service. 

24.2. No Obligation to Provide Paper Communication. Although Melio reserves  the right to provide Communications in paper format at any time, you  agree that Melio is under no obligation to do so. All Communications in  either electronic or paper format will be considered to be "in writing." You should print a paper copy of this Agreement and any Communication that  is important to you and retain the copy for your records. If you do not wish  to receive this Agreement or the Communications electronically, you may not use the Services. 

24.3. Withdrawal of Consent. You can withdraw your consent to receive most  Communications from Melio by emailing us at 

support@meliopayments.com or following the unsubscribe procedure  contained in any Communication you receive from us. However, if you  withdraw your consent, you may no longer be eligible to use certain  portions of the Services. Melio also reserves the right to terminate your  Account if you withdraw consent to future electronic Communications.  Any withdrawal of your consent to receive electronic Communications will  be effective only after Melio has a reasonable period of time to process  your withdrawal, which period of time shall be no longer than fifteen (15)  days, or such other time as is appropriate under the circumstances, as  determined by Melio in its sole discretion. Withdrawing your consent will  not affect the completion of pending payments or the validity of completed  payments. 

24.4. Requesting Paper Documents. You have a right to receive  Communications in paper form. If, after you consent to receive  Communications electronically, you would like a paper copy of a  Communication we previously sent you, you may request a copy within  180 days of the date we provided the Communication to you. Melio will  provide paper copies free of charge. Requests to receive any paper copy  may be made by mailing a written request to: 142 W 57th St, New York,  NY 10019. We will provide a replacement Communication within fifteen  (15) business days. In order for us to send you a paper copy of a  Communication, you must have a current mailing address on file in your  Account. 

24.5. Hardware and Software Requirements. In order to access and retain an  electronic record of Communications, you will need: a computer, a  monitor, a connection to an Internet service provider, Internet browser  software that supports 128-bit encryption, and an email address. By  clicking the "Sign Up" button, you are confirming to Melio that you have  the means to access, and to print or download, Communications. 

24.6. Consent to Text Messages. By entering into this Agreement or using the  SERVICES, you agree to receive TEXT MESSAGES FROM MELIO AT THE TELEPHONE NUMBER THAT YOU PROVIDE TO US. YOU  AGREE THAT TEXTS may be generated by automatic telephone dialing  systems. TEXT MESSAGES from MELIO may include but are not limited to: operational communications concerning your Account or use of the Services, updates concerning new and existing features OF THE  SERVICES, AND communications concerning promotions run by us or our third-party partners. Standard text messaging charges applied by your cell  phone carrier will apply to text messages we send. 

24.7. Withdrawal of Consent to Text Message. If you wish to opt out of promotional texts, you may text “STOP” to 347-706-5297 from the mobile  device receiving the messages. You acknowledge that you are not  required to consent to receive promotional texts as a condition of using the 

Services. If you wish to opt out of all texts from Melio (including  

operational or transactional texts), you can text the word “STOPALL” to  347-706-5297 from the mobile device receiving the messages, however  you acknowledge that opting out of receiving all texts may impact your use  of the Services. 

25. FEEDBACK 

In connection with your use of Services, you may elect to submit feedback,  suggestions and/or other comments regarding the website and/or the Services  (collectively, the “Feedback”). Melio may, in its sole discretion, decide to  incorporate some or all of this Feedback into the website and/or the Services.  You hereby grant Melio a worldwide, perpetual, nonexclusive, sublicensable,  royalty-free license to use, reproduce, distribute, transmit, disclose, display,  modify and create derivative works of all such Feedback. You further represent  and warrant that you have all rights necessary to provide Melio the Feedback  and that the use of the feedback by Melio will not violate, infringe otherwise  misappropriate any third party rights. 

26. DISPUTE RESOLUTION AND ARBITRATION 

26.1. Governing Law and Forum. This Agreement will be governed by and  construed in accordance with the laws of the State of California without  reference to conflict of law provisions. Any action, proceeding, arbitration  hearing or mediation relating to or arising from this Agreement must be  brought, held, or otherwise occur in San Francisco County, California. 

26.2. WAIVER OF JURY TRIAL AND CLASS ACTIONS. PLEASE READ THIS  PROVISION CAREFULLY. IT PROVIDES THAT ANY CLAIM MAY BE  RESOLVED BY BINDING ARBITRATION AND THAT (i) YOU ARE GIVING UP ITS RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY CLAIM ALLEGED AGAINST THE MELIO PARTIES; (ii) YOU ARE GIVING  UP YOUR RIGHT TO HAVE A COURT RESOLVE ANY CLAIM ALLEGED  AGAINST THE MELIO PARTIES; (iii) YOU ARE GIVING UP YOUR  RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE  

ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE  CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT OR ARBITRATION FILED AGAINST MELIO AND/OR RELATED THIRD PARTIES. 

In the event of a dispute, claim, or controversy (“Claim”) between you and  Melio or you and one or more Banks, arising from or relating in any way to  this Agreement, the Services, or to the relationship formed between the  parties as a result of this Agreement, including Claims regarding the  applicability of this arbitration clause or the validity of the entire  

Agreement, the Claim shall be resolved exclusively and finally by binding  arbitration administered by the American Arbitration Association (“AAA”) 

under the AAA’s Commercial Arbitration Rules. All Claims are subject to  arbitration, no matter what theory they are based on. This includes Claims  based on contract, tort (including intentional tort), fraud, agency, your or  our negligence, statutory or regulatory provisions, or any other source of  law. Claims and remedies sought as part of a class action, private  attorney general, or other representative action are subject to arbitration  on an individual (non-class, non-representative) basis. You and Melio and  you and one or more Banks (as the case may be) will agree on another  arbitration forum if the AAA ceases operations. The arbitration will be  conducted before a single arbitrator and will be limited solely to the Claim  between you and Melio or you and one or more Banks. The arbitration, or  any portion of it, will not be consolidated with any other arbitration and will  not be conducted on a class-wide or class action basis. The prohibition  against class action contained in this Section 26 shall be non-severable  from the remainder of this Section 26. 

26.3. Arbitration Terms. If either party prevails in the arbitration of any Claim  against the other, the non-prevailing party will reimburse the prevailing  party for any fees it paid to the AAA in connection with the arbitration, as  well as for any reasonable attorneys’ fees incurred by the prevailing party  in connection with such arbitration. Any decision rendered in such  arbitration proceedings will be final and binding on the parties, and  judgment may be entered in a court of competent jurisdiction. Rules and  forms of the AAA may be obtained and Claims may be filed at any AAA  office, www.adr.org, or 335 Madison Avenue, New York, NY 10017,  telephone 1-800-778-7879. This arbitration agreement is made pursuant  to a transaction involving interstate commerce, and shall be governed by  the Federal Arbitration Act, 9 U.S.C. §§ 1-16. This arbitration agreement applies to all Claims now in existence or that may arise in the future. Nothing in this Agreement shall be construed to prevent any party’s use of  (or advancement of any Claims, defenses, or offsets in) bankruptcy or  repossession, replevin, judicial foreclosure or any other prejudgment or  provisional remedy relating to any collateral, security, or other property  interests for contractual debts now or hereafter owned by either party to  the other. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT,  YOU AND MELIO AND YOU AND ONE OR MORE BANKS MAY  

OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE  CLAIMS THROUGH A COURT BEFORE A JUDGE OR A JURY AND/OR  TO PARTICIPATE OR BE REPRESENTED IN LITIGATION FILED IN  COURT BY OTHERS (INCLUDING CLASS ACTIONS), BUT EXCEPT AS  OTHERWISE PROVIDED ABOVE, THOSE RIGHTS, INCLUDING ANY  RIGHT TO A JURY TRIAL, ARE WAIVED AND ALL CLAIMS MUST NOW  BE RESOLVED THROUGH ARBITRATION. 

27. RELEASE OF MELIO AND THE BANKS

If you have a Claim with one or more Recipients or other third parties, you  release Melio and the Banks (and their respective officers, directors, agents, joint  ventures and employees) from any and all claims, demands and damages  (actual and consequential) of every kind and nature arising out of or in any way  connected with such Claims. 

28. RESPONSIBILITY FOR COMPLIANCE WITH EMPLOYMENT LAW 

To the extent that you use Melio to issue checks or payments to independent  contractors, you expressly acknowledge and agree that you (not Melio and not  the Banks) are responsible for compliance with all wage and hour laws, including  but not limited to compliance with Cal. Labor Code § 2750.3, and all applicable  laws regulating the time, place, and manner of payments for their service. Melio  provides a means for transmitting funds. However, you (not Melio and not the  Banks) are responsible for complying with all laws pertaining to the classification  of independent contractors and payment for their services. 

29. GENERAL 

29.1. Complete Agreement. This Agreement together with any other Melio  documents, policies and/or agreements referenced herein sets forth the  entire understanding between you and Melio with respect to the Services  and you and the Banks with respect to banking services or payment  processing services. The following sections of this Agreement and all  other terms which by their nature should survive, will survive the  

termination of this Agreement: 19 (Limitation of Liability), 20 (Disclaimer of  Warranties), 26 (Dispute Resolution and Arbitration), 27 (Release of Melio  and the Banks), and 29 (General). If any provision of this Agreement is  held to be invalid or unenforceable, such provision shall be struck and the  remaining provisions shall be enforced. 

29.2. Intellectual Property. “Melio”, and all logos related to Melio, are either  trademarks or registered trademarks of Melio or its licensors. You may  not copy, imitate or use them without Melio's prior written consent. In  addition, all page headers, custom graphics, button icons, and scripts are  service marks, trademarks, and/or trade dress of Melio. You may not  copy, imitate, or use them without our prior written consent. All right, title  and interest in and to the Melio website, any content thereon, the  

Services, the technology related to the Services, and any and all  

technology and any content created or derived from any of the foregoing,  is the exclusive property of Melio and its licensors. 

29.3. Force Majeure. Neither Melio nor the Banks shall be liable for any issues  or delayed performance caused by circumstances beyond Melio's or the  Banks’ reasonable control, including without limitation, acts of God, acts of  government, flood, fire, earthquakes, civil unrest, acts of terror, strikes or  other labor problems, service provider failures or delays.

29.4. Assignment. You may not transfer or assign any rights or obligations you  have under this Agreement without Melio's prior written consent. Melio  reserves the right to transfer or assign this Agreement or any right or  obligation under this Agreement at any time. 

29.5. Severability. If any provision of this Agreement is held to be contrary to  law, such provision shall be changed and interpreted so as to best  accomplish the objectives of the original provision to the fullest extent  allowed by law and the remaining provisions of this Agreement shall  remain in full force and effect. 

29.6. No Waiver. If Melio fails or delays in exercising any right, power or  remedy or to take action against any breaches of this Agreement, it does  not mean that it waives its right at a later time to enforce the same. 

29.7. Contacting Melio. Unless otherwise stated in this Agreement, notices,  inquiries, and requests to Melio should be emailed to  

support@meliopayments.com. Please note that email communications  sent to Melio for Account-related matters (e.g., late fee reimbursements,  refund requests, etc.) must come from the email address listed in your  Account. Account-related communications initiated via other channels  may require identify verification in order to obtain information or change settings.