Welcome to Grind24!
Thanks for using our products and services.
Subject to applicable law, we reserve the right, in our reasonable discretion, to terminate Your License, your use of the Site, your user account or anyProduct provided to you (subject to the terms of cardholder agreement) and to assert our legal rights with respect to content or use of the Site that we reasonably believe is, or might be, in violation of these Terms or the Terms of any Grind Product.
This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trademarks and service marks) are owned by Grind or third parties and all right, title and interest therein shall remain the property of Grind and/or such third parties (collectively, the “Content”).
When you visit www.Grind.com or you send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing, to the extent permissible by law.
You agree that we may send emails to you, for the purpose of advising you of any changes or additions to this Site, changes to any of our products or services, or for such other purposes as we deem appropriate and as permissible by law. By utilizing our loans and services, you agree to our ESIGN consent and agree to receive disclosures and other information in electronic form. Please make sure to review the Consent to ESIGN and Electronic Communications below for further information about e-sign consent related to loan documents and other agreements.
Consent to ESIGN and Electronic Communications
This Consent to ESIGN and Electronic Communications (“E-SignConsent”) constitutes your consent to receive disclosures, communications and other information in electronic form from Grind 24 Inc. (“Grind”) and its affiliates and third-party providers, including Evolve Bank & Trust (the “Evolve”). This E-SignConsent applies to all current and future communications related to your Grind account provided by Evolve and other products and services available through the Grind Site or App.
“We”, “us” and “our” refers to Grind, Evolve and their affiliates.“You” or “your” refers to the person providing this consent. “Communications”means any cardholder agreements and other customer agreements, disclosures, privacy policies, transaction histories, responses to claims, fee schedules, and all other information in connection with your Grind account.
Before completing any transaction with us, you will be asked to agree to this E-Sign Consent, which constitutes your agreement to the following:
This consent applies to any transaction undertaken through Grind in the past, to all future disclosures and communications on your account, to all future transactions with us, and to other Communications that we provide to you electronically.
Your consent is effective immediately and will remain in effect until you tell us that you no longer agree to receive Communications electronically by sending us notice in the manner described in the “WithdrawingConsent; Paper Communications” section below.
Method of Delivery
We will provide Communications to you by posting them on theSite, by posting them in the App and/or by emailing you at your registered email address. You agree that you will be deemed to have received certainCommunications when they are posted to a publicly available website. We may post documents and other Communications to the Site or App without providing notice to you. You agree to check the Site and App regularly, as you may have no other way to know the Communications have been delivered to you. It is your responsibility to keep your registered email address up to date so that we can communicate with you electronically. You can change your registered email address by logging into the Grind app and updating in the Settings. You agree that any email address you provide may be used to provide you withCommunications, and you agree to notify Grind of any changes in your email address by notifying Grind either in the app or via email at least five (5)days before the change.
You agree that electronic delivery of Communications in any of the ways described in this E-Sign Consent will constitute good and effective delivery to you when posted or sent, regardless of whether you actually or timely receive or access the Communications. You also agree that we are not responsible for any delay or failure in your receipt of any email notice that is not caused by our failure to send such a notice to the email address you have provided for that purpose.
To electronically receive, view and save or print theCommunications, you must have a personal computer or mobile device with aconnection to the internet that is equipped with the following, and anoperating system that supports these requirements:
We will provide you with notice of any significant change in thehardware or software requirements needed to access or retain Communicationselectronically. Your continued use of our electronic services afterreceiving notice of updates to these requirements constitutes your acceptanceof the changes and your reaffirmation of this E-Sign Consent.
Withdrawing Consent; Paper Communications
Prior to creating a Grind account, you may withdraw your consentto electronic disclosures by exiting the Site or the App. Additionally, you arefree to withdraw your consent to receive electronic Communications at any timeif you choose to. You may also request that we send you paper copies ofCommunications that the law requires us to provide to you. If at any time youwish to withdraw your consent or request paper copies of Communications, youcan do so by submitting a request through email at firstname.lastname@example.org or contacting customersupport by telephone at 1-833-333-0417 or writing to us at Grind 24 Inc., email@example.comYou agree that if you withdraw your consent or request paper copies ofCommunications, we may close your Grind account or otherwise restrict, revoke orterminate your account and your access to other products and services weprovide, subject to the terms of any additional agreement we have with you.Such termination does not exterminate any obligations you may have to Grind, Evolveor their affiliates. To the extent permitted by law, we may also charge you areasonable service charge for the delivery of paper copies of anyCommunication.
If you decide to withdraw your consent, the legal effectiveness,validity and/or enforceability of prior electronic Communications will not beaffected.
Your consent to this E-Sign Consent means that Communications weprovide to you electronically shall have the same effect as if provided inpaper form. A message alerting you that Communications are availableelectronically, provided that the Communications are made availableelectronically, shall have the same meaning as if we had provided them to youin paper form, regardless of whether you actually view them, unless you havewithdrawn your consent pursuant this E-Sign Consent, prior to receiving such Communications.
Termination & Changes
You agree that we may modify or change the methods of disclosuredescribed herein, and that we may send you Communications in paper form at ouroption, though we assume no obligation to do so. We will provide you with noticeof any such modification as required by law.
All agreements and disclosures that you have entered into in connection withthe Services govern your usage of both Grind’s App and website.
Use of the Grind App
You agree to use the Grind App in accordance with these Terms ofUse and any applicable usage rules of any third-party mobile telephone, tabletor other device (each a “Mobile Device”) or service provider or the third-partyfrom whom you are downloading the Grind App (the “App Venues”). Supported AppVenues include Apple App Store and Google Play; other App Venues are NOTsupported. It is your responsibility to review the terms and conditions of anyApp Venue and to determine what usage rules of such App Venue apply to youdepending on (i) your Mobile Device, (ii) the method by which you downloadedthe Grind App, and (iii) the App Venue from which you downloaded the Grind App.
Grind may offer Services to you through the Grind App. You acknowledge andunderstand that certain Services available to you through the Grind App requiredata access or wireless internet capability, including, but not limited to,your ability to conduct financial transactions, to alter your information or toview your account balances. You agree that you are responsible for data accessor wireless internet charges that may be imposed by your Mobile Device serviceprovider. The Grind App is designed to be accessible on multiple types ofMobile Devices and operating systems. Grind does not, however, make anyrepresentation or warrant that the Grind App will be compatible with yourparticular Mobile Device, any specific operating system version of your MobileDevice, or any other hardware, software, equipment or device installed on, orused in connection with, your Mobile Device. You agree that your functional useof the Grind App may be affected by or dependent upon your wireless connectionand speed of your wireless service provider.
The functionality of the Grind App could become disabled due to poorconnections or speeds caused by your location or your wireless or internetservice provider while conducting financial transactions. You agree that it isyour responsibility to verify the status of any attempted transaction byreviewing your Account or by contacting Grind Customer Support at [Toll Free #]. You acknowledgeand agree that Grind, and its affiliates, agents and licensors shall not beliable to you for any losses, financial or otherwise, suffered by or arisingout of or resulting from compatibility or inoperability problems or the failureof, or your failure to confirm, any attempted transaction.
Push Notifications (“Alerts”)
You agree to be contacted by Grind, our agents, representatives,affiliates, about your account activity, balances, product offerings and otherinformation, such as suspicious activity. When you consent to these Terms andConditions, you are agreeing to receive Alerts through push notification(s).Receipt of Alerts may be delayed or prevented by factor(s) affecting yourinternet/phone provider or other relevant entities. Grind is not liable forlosses or damages arising from:
The information in any Alert may be subject to certain delays.Each Alert may not be encrypted and may include your name and informationpertaining to your account(s). Grind may terminate your use of Alerts at anytime without notice. You may choose to discontinue receiving Alerts by updatingyour Grind App notification preferences.
Links to Other Web Sites and Services
This Site contains links to outside services and resources(“Third-Party Content”), the availability and content of which Grind does notcontrol. Some Third-Party Content may be custom matched based on informationprovided by you to Grind. We are not responsible for examining or evaluating,and we do not warrant the offering of these businesses or individuals or thecontent of their web sites. Grind does not assume any responsibility orliability for the actions, products, and content of these and any otherthird-parties. Grind does not guarantee that any service offered by Third-PartyContent will be offered to you. Grind may receive compensation fromthird-parties for referring you to the third-party or to their website. Anyservices that you obtain through Third-Party Content will be subject to theterms and conditions and Privacy Notice of the Third-Party Content. Anyconcerns regarding any such service or resource, or any link thereto, should bedirected to the particular outside service or resource.
YOU ACKNOWLEDGE AND AGREE THAT WHEN GRIND IS ACCESSING AND RETRIEVING ACCOUNTINFORMATION FROM THIRD-PARTY SITES THROUGH VENDORS, GRIND AND ITS VENDORS AREACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTYTHAT OPERATES THE THIRD-PARTY SITE.
You understand and agree that the Services are not sponsored or endorsed by anythird-parties accessible through the Services. Grind is not responsible for anypayment processing errors or fees or other Services-related issues, includingthose issues that may arise from inaccurate account information. Grind cannotalways foresee or anticipate technical difficulties that may result in failureto obtain data or loss of data. Grind is not responsible for the accuracy,timeliness, deletion, non-delivery or failure to store user data,communications, or personal settings. Account information obtained throughthird-parties is only as fresh as the time updated. Such information may bemore up-to-date when obtained directly from the relevant third-party sites. Youcan refresh your Account Information through the Services as instructed in youraccount.
Customer Data Usage
Grind may use Customer data for (i) improvement of services;(ii) to the extent permitted by law to use, distribute, and disclose AggregatedData; and (iii) for fraud screening, identity verification, and accountinformation verification. Grind will also disclose customer data to thirdparties as outlined in these Terms and Conditions.
To help the government fight the funding of terrorism and moneylaundering activities, Federal law requires all financial institutions toobtain, verify, and record information that identifies each person who opens anaccount. As a result, under our customer identification program, we must askfor your name, street address, date of birth, and other information that willallow us to identify you. We may also ask to see your driver’s license or otheridentifying documents.
Mobile Phone and Text Communications. You authorize us and ourassignees and the affiliates, agents, representatives, assigns andservicers/service providers of ours and our assignees (collectively, the“Messaging Parties”) to contact you using automatic telephone dialing systems,artificial or prerecorded voice message systems, text messaging systems andautomated e-mail systems in order to provide you with information about theServices, including information about the Services, including upcoming paymentdue dates, missed payments and returned payments. You authorize the MessagingParties to make such contacts using any telephone numbers (including wireless,landline and VOIP numbers) or e-mail addresses you supply to the MessagingParties in connection with the Services, the Messaging Parties’ servicingand/or collection of amounts you have agreed to pay the Messaging Parties orany other matter. You understand that anyone with access to your telephone ore-mail account may listen to or read the messages the Messaging Parties leaveor send you, and you agree that the Messaging Parties will have no liabilityfor anyone accessing such messages. You further understand that, when youreceive a telephone call, text message or e-mail, you may incur a charge fromthe company that provides you with telecommunications, wireless and/or Internetservices, and you agree that the Messaging Parties will have no liability forsuch charges. You expressly authorize the Messaging Parties to monitor andrecord your calls with the Messaging Parties. You agree that this consent formspart of a bargained-for exchange. If you have the right to revoke text messagesand calls to your cell phone or to receive artificial or prerecorded voicemessage system calls, you may exercise this right only by calling the MessagingParties at [Toll Free #] ; or, to stop text messages, by replying “STOP” to anytext message the Messaging Parties send you.
Telephone Recording. You understand and agreethat, subject to applicable law, Company Parties may monitor and/or record anyof your phone conversations with any of their representatives for training,quality control, evidentiary, and any other purposes. However, CompanyParties are not under any obligation to monitor, record, retain, or reproducesuch recordings, unless required by applicable law.
As a condition of your use of this Site, you agree that you willnot, and you will not take any action intended to: (i) access data that is notintended for you or attempt to reverse engineer the Site; (ii) invade theprivacy of, obtain the identity of, or obtain any personal information aboutany customer or user of this Site; (iii) probe, scan or test the vulnerabilityof this Site or the Grind network or breach security or authentication measureswithout proper authorization; (iv) attempt to interfere with service to anyuser, host or network or otherwise attempt to disrupt our business, including,without limitation, via means of submitting a virus, worm, Trojan Horse, orother destructive feature to this Site, overloading, “flooding,” “spamming,”“mail bombing” or “crashing;” (v) send unsolicited mail, including promotionsand/or advertising of products and services; or (vi) attempt to use robots,spiders, intelligent agents, software, tools, engines, or other means tonavigate or search the Site other than those generally available throughthird-party web browsers such as Microsoft Explorer or Google Chrome.Violations of system or network security may result in termination of accountand civil or criminal liability.
Limitation of Liability
EXCEPT WHERE PROHIBITED BY LAW, NEITHER GRIND, NOR ITSDIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OFEACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY,INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF GRIND HAS BEENADVISED OF THE POSSIBILITY OF SUCH DAMAGES.UNLESS OTHERWISE EXPRESSLY SET FORTHIN A WRITTEN AGREEMENT WITH YOU, GRIND‘S MAXIMUM LIABILITY FOR ALL CLAIMSARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT,TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.
Some jurisdictions do not allow limitations of liability, so the foregoinglimitation may not apply to you.
Notice of Agreements Resolving Disputes and Arbitration
By using this site or any of the services provided by Grind, youagree to be bound by the Agreements Resolving Disputes which includes theArbitration Agreement (the “Agreement”) the full text of which are provided toyou when you apply for or accept a loan or services from the lender or Grindand are hereby incorporated into these Terms and Conditions by reference as iffully set forth at this point, and specifically includes the lender making theloan to you. This Agreement provides that all claims arising from or relatingto use of the website, product, loan or service provided by the lender or Grindmust be resolved by binding arbitration if the person or entity against whom aclaim is made elects to arbitrate the claim. Thus, if the person or entityagainst whom the claim is made elects to arbitrate the claim, then you will nothave the following important rights:
If you do not want to arbitrate all claims as provided in theAgreement, then you have the right to reject the Arbitration Provision bydelivering a written notice to us at the Notice Address within thirty (30) daysfollowing the date of this Agreement.
By using the Site, you agree to indemnify and hold Grind, itsofficers, directors, shareholders, predecessors, successors in interest,employees, agents, subsidiaries and affiliates, harmless from and against anyand all losses, claims, damages, costs and expenses (including reasonable legaland accounting fees) arising out of or in any way connected with (i) youraccess to and use of the Service; (ii) your violation of any of the Terms andConditions referenced herein, or any applicable law or regulation; (iii) yourviolation of any third-party right, including without limitation anyintellectual property right, publicity, confidentiality, property or privacyright; or (iv) any disputes or issues between you and any third-party. Grindreserves the right to assume or participate, at your expense, in theinvestigation, settlement and defense of any such action or claim.
This Site is not directed at individuals under the age ofeighteen (18) or individuals under the age of nineteen (19) in the state ofAlabama and Grind does not knowingly collect personal information from any individualunder the age of eighteen (18) or under the age of nineteen (19) in the stateof Alabama at this Site.
Account applications are canceled after 7 days of inactivity.Inactivity is defined as any application that is incomplete and cannot beprocessed and has seen no follow up activity from the customer.
The User or Customer may not assign or delegate this Agreementor any of the terms or conditions hereunder, directly, indirectly, or otherwisewithout the written consent of the other, and any such purported assignment ordelegation shall be void.
This Site is located in the State of California. These Terms ofUse and the relationship between you and Grind shall be governed by the laws ofthe State of California without regard to its conflicts of law provisions. Youagree to the personal jurisdiction by and venue in the state and federal courtsin California and agree and consent that such courts are the exclusive forumfor litigation of any claim or cause of action arising out of or relating toyour use of this Site or the Content. You agree that regardless of any statuteor law to the contrary, any claim or cause of action arising out of or relatingto your use of this Site or the Content must be filed within one year aftersuch claim or cause of action arose or be forever barred.
“Cookies” are small data files transferred by a website to yourcomputer’s hard drive. Grind or its service providers send cookies when yousurf our site or sites where Grind ads appear, make purchases, request orpersonalize information, or register yourself for certain services. Acceptingthe cookies used on our site, sites that are “powered by” another company on Grind’sbehalf, or sites where our ads appear may give us access to information aboutyour browsing preferences, which we may use to personalize and enhance yourexperience. Cookies are typically classified as either “session” cookies or“persistent” cookies.
Session cookies do not stay on your computer after you close your browser.
Persistent cookies remain on your computer until you delete them, or theyexpire.
Generally speaking, web browsers automatically accept cookies by default. Thatbeing said, you can typically prevent cookies or selectively accept cookies byadjusting the preferences in your browser. If cookies are not accepted, theremay be some features of our site that will not be available, and some Websitesmay not display properly. In most instances, however, a customer may refuse acookie and still be able to navigate our website without issue.
A web browser is usually set to accept cookies automatically but can be changedto decline them. Information on how to adjust cookie preferences (e.g.,preventing your browser from accepting new cookies, etc.) are located in thehelp and support section of your browser. In most cases, a visitor may refuse acookie and still fully navigate our Website.
Grind does not store passwords or any other information about a visitor in acookie that would identify them, locate them, and determine their preferencesor their financial activity. Aggregated customer information may help Grindassess the performance of its website and develop strategies to maximizeutility. This information may be provided to other companies, including but notlimited to third-party advertisers. This information does NOT include anypersonal details that can be used to identify individuals.
Grind uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Grind 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 Notice.
Howlong does Grind keep personal information?
Grind will maintain the information that is necessary to enable Grindto provide the requested service and only for as long as it takes Grind toprovide any such requested service. Grind may still need to keep personaldetails of customers to ensure that systems reflect your preferences even if acustomer has chosen to opt out of allowing Grind to use that customer’spersonal details for marketing purposes.
The Bank Secrecy Act and other federal statutes require Grind to maintaincertain records for a minimum of five years. Grind may keep records ofany transactions a customer enters into on the Grind Website for a minimum ofsix years from the end of Grind’s relationship with the customer. Grind maykeep other information about a customer only to the extent necessary to complywith applicable laws and to further legitimate business needs.
GRIND DOES NOT WARRANT THAT ANY CONTENT ON THE SITE, DOCUMENT ORFEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTSWILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS.
THE CONTENT IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICALERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE”BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUTNOTICE. GRIND CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOUDOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVEFEATURES.
GRIND DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OFACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULARPURPOSE.
GRIND DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OFACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULARPURPOSE. GRIND DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS ANDCONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THESITE. GRIND DOES NOT VERIFY FOR ACCURACY ANY FINANCIAL INFORMATION PROVIDED TOUS FROM THIRD-PARTIES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITEAND ANY LINKED SITES. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOURPROPERTY (INCLUDING YOUR COMPUTER SYSTEM USED IN CONNECTION WITH THE SERVICE)OR LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICE OR THE DOWNLOAD OR USEOF SUCH MATERIALS OR CONTENT.SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OFWARRANTIES AND THEREFORE THIS DISCLAIMER WOULD NOT BE APPLICABLE IN THOSEJURISDICTIONS. YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TOJURISDICTION.YOUR SOLE REMEDY AGAINST GRIND FOR DISSATISFACTION, IS TO STOPUSING THE SITE OR ANY SUCH CONTENT.
Some of the offers that appear on this Site are from companies from which Grind may receive compensation. This compensation may impact how and where products appear on this Site, including, for example, the order in which they may appear within listing categories. Grind does not include all products or offers available in the marketplace. It is always your choice whether or not to apply for an offered product or service and we will never submit an application for a financial product or service on your behalf without your express consent. For further information, please refer to our Privacy Notice and Terms and Conditions.
Your access and use of certain services offered by Grind and its affiliates and third-party providers are governed by the Cardholder Agreement.The current Cardholder Agreement can be found https://www.grind24.co/legal/cardholder-agreement.
Grind24 is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A.; Member FDIC. The Grind24 Visa® Debit Card is issued by Blue Ridge Bank, N.A.; Member FDIC pursuant to a license from Visa U.S.A and may be used everywhere Visa debit cards are accepted.
Copyright © 2021-2022 Grind 24 Inc. All rights reserved