expensify card canada

Please notify us if a Business Administrator or Authorized User has any problems using the Card Account, Card or the Website. Unless we have authorized a transaction after a Business Account or Card Account is blocked (see Section 5.27 – Our Liability to Business Account Owner), Business Account Owner and Authorized User are responsible for all unauthorized transactions initiated and fees incurred from the unauthorized use of a Card. Card may either be a physical card embossed with a 16-digit number or a virtual card represented by a 16-digit account number. 6.7    Transaction Requirements. (x) The Card and/or Card Account will only be used for business purposes and not be used for personal, family or household purposes. Expensify has launched a new, free corporate card for companies of all sizes: the Expensify Card. We may receive compensation from our partners for placement of their products or services. Business Account Owner’s Card(s), Business Account and Card Account may be terminated by us in the event a change of control, reorganization, restructuring, conversion, consolidation, division or merger of Business Account Owner. CONSENT TO USE ELECTRONIC SIGNATURES AND COMMUNICATIONS. Expensify will send you an email with further instructions. In addition, Business Account Owner agrees to notify us immediately if the Business Administrator’s or any Authorized User’s status with Business Account Owner has changed. A Business Administrator may set certain limits (“Settings”) for each Card and the allocated Card Account through the Website. Business Account Owner may withdraw their consent to receive further Communications electronically at any time by contacting us at concierge@expensify.com. Rather than charging a per-booking or subscription fee for the booking service, Expensify earns a percentage of the interchange fee paid by the supplier accepting payment via the card. We may also issue Authorized User a new Card when the Card expires even if there are no funds in the Card Account. 0% intro for the first 12 months (then 13.24% to 19.24% variable). If you do need this feature, this card is an excellent option as long as you can live without the bells and whistles of other business products. The Expensify Card can make expense management easier by automatically uploading transaction details to your Expensify dashboard. In addition, “we” and “us” include Expensify, and any third party providing any product, service, or benefit in connection with the Cards, the Card Accounts, or these Terms (as well as any related or prior agreement that Business Account Owner may have had with us) if such third party is named as a co-party with us in any controversy, dispute, demand, claim, or cause of action subject to this Section. Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month. A Business Administrator or Authorized User must activate a Card before it can be used. An Authorized User cannot use a card to perform transactions until the Business Administrator or Authorized User has activated the card and, in the case of a PHYSICAL CARD, selected a PERSONAL IDENTIFICATION NUMBER (“PIN”) pursuant to these terms. Upon the suspension or cancellation of a Card Account, the Authorized User may no longer be able to use the Card Account or the associated Card. No personal liability or security deposit needed, meaning your personal credit score won't be affected. 6.2    Qualifying for and Establishing Business Account and Card Accounts. Earn 60,000 bonus miles after $3,000 in purchases within the first 3 months of account opening. We will review the information submitted in a commercially reasonable manner, but given that the Expensify Card Program implements a commercial product, Business Account Owner is not entitled to and we are not obligated to follow the requirements or obligations of the Electronic Funds Transfer Act and Regulation E promulgated thereunder, which only apply to consumer transfers. 6.3    Program Description. We may also receive payment if you click on certain links posted on our site. Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network. Business Account Owner’s, Business Administrator’s and Authorized Users’ privacy is very important to us. By opening a Business Account, requesting, activating or using a Card or by retaining, using or authorizing the use of a Card Account, Business Account Owner represents and warrants to us that: (i) Business Account Owner has received a copy of these Terms and agrees to be bound by and to comply with them and understands that they are subject to change in accordance with applicable law; (ii) Business Account Owner is duly organized, validly existing and in good standing under the laws of the state in the United States of its formation; (iii) Business Account Owner is duly qualified and in good standing to do business in all jurisdictions where Business Account Owner conducts its business; (iv) Business Account Owner has all necessary organizational power and authority to establish the Business Account and each Card Account, enter into these Terms, and to perform all of the obligations to be performed by it under these Terms; (v) The personal and business information that Business Account Owner provides to us in connection with the Business Account is true, correct and complete; (vi) The individual accepting and agreeing to these Terms for Business Account Owner has the requisite corporate authority to accept and agree to the Terms on the Business Account Owner’s behalf; (vii) The Business Administrator designated by Business Account Owner is a citizen or permanent resident of the United States (with U.S. tax ID number) and is at least 18 years of age (or older if residing in a state where the majority age is older); (viii)  Business Account Owner authorized the Business Administrator to authorize each Authorized User to accept and use the Card and/or Card Account; (ix) Business Account Owner has provided Business Administrator and each Authorized User with a copy of these Terms and Business Administrator and each Authorized User accepts and agrees to be bound by and to comply with them; and. The Card is not a gift card, nor is it intended to be used for gifting purposes. In addition to and without limiting our rights under this Agreement, a Business Administrator may suspend or cancel a Card Account at any time by changing the Settings on the Website (See Section 6.5 above). Business expense accounts may sound glamorous, but for most frequent travelers they're more of a hassle than anything. The world’s smartest corporate card, with the highest spend and safest limits, guarded by our industry-first daily settlement and realtime compliance features. Hardware and Software Requirements. Email Expensify at  concierge@expensify.com as soon as a Business Administrator can if the Business Administrator thinks an error has occurred involving the Business Account. We may refuse to process any transaction we believe violates the terms of this Agreement. We may disclose information to third parties about Business Account Owner, and any Business Administrator, and Authorized User, Card and Card Account, and transactions related thereto: (a) as necessary to effect, administer, or enforce a transaction requested or authorized by a Business Administrator or Authorized User; (b) with Business Account Owner’s, Business Administrator’s, or relevant Authorized User’s consent; (c) to protect against or prevent actual or potential fraud, unauthorized transactions, or other liability; (d) to comply with government agency or court orders; (e) as permitted and required by applicable law; and (f) as otherwise provided in Bank’s Privacy Policy. Snap a photo of your receipt using SmartScan and Expensify takes care of the rest. In such event, we shall not be responsible for any resulting misuse of funds available in the Business Account or Card Account. $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening. “Access Information” means collectively a PIN, online user name, password, challenge questions, and any other security information used to access a Business Account or Card Account. What is Expensify? Finder is committed to editorial independence. These include Climate, Homes, Hunger, Reentry and Youth. The Business Administrator will determine whether a Card issued to an Authorized User will be a physical Card or virtual Card. Expensify Card. Neither the Business Account nor a Card Account constitutes a checking or savings account. Finder.com is an independent comparison platform and information service that aims to provide you with information to help you make better decisions. Suddenly, investors came out of the woodwork. You’ll get access to spending controls and automatic eReceipts. Subject to the limitations set forth in this Agreement, Business Administrator may only add funds to the Business Account as described in this Section 5.4.  Business Administrator may not add funds to the Business Account by sending personal checks, business checks, cashier’s checks, or money orders to the Bank. 6.17  Merchant Holds on Available Funds. Authorized User will not receive cash refunds for Card transactions. With Daily Settlement, the Expensify Card only lets your employees spend money that’s already in your bank account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased. Group plans are $5 to $9 per user per month. Customer support has stated to me that they will delete my data. Add the card to your Apple Wallet for contactless payments. The card itself doesn’t have an annual fee but the Expensify service costs either $5 per user per month or $9 per user per month for a subscription depending on the features you want. By designating any individual as a “Business Administrator,” Business Account Owner acknowledges and agrees that the actions or omissions of any Business Administrator shall be taken on Business Account Owner’s behalf and Business Account Owner shall be fully responsible and liable for such actions or omissions as if they were the actions or omissions of Business Account Owner. Reporting a lost/stolen Card or unauthorized transactions through (877) 751-5848 to deactivate the card is the best way to minimize possible losses. Please visit www.use.expensify.com (the “website”) to VIEW, PRINT, and save these terms and our PRIVACY POLICY. The Expensify Agreement will govern your liability to Expensify for all transactions on the card. When a Business Administrator sends notification of an error involving the Business Account, the Business Administrator will need to tell us: (a) the Business Administrator’s name and Business Account number; (b) why the Business Administrator believes there is an error and the dollar amount involved; and (c) approximately when the error took place. When the Card is used for making a purchase, we will receive a transaction authorization request from the merchant. When we launched the Expensify Card in 2019, we saw an opportunity to get back to our initial dream of helping the homeless (albeit in a different, better form). With Expensify, it's faster than ever to review expenses, reimburse employees, and close your books each month. A request for interim measures will not be deemed a waiver of the obligation to arbitrate. Expensify will disclose any Fees to you when opening your Business Account through its Website. 7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases. 6.24  Receipts. Nevertheless, if a transaction exceeds the amount of available funds in the Business Account or allocated to an Authorized User’s Card Account, Business Account Owner will be fully liable to us for the full amount of the transaction and any applicable fees. If a Card is declined at a “pay at the pump” gas station even though Authorized User has sufficient funds available, Authorized User should pay for the purchase inside with the cashier. Failure to promptly notify us could result in the Business Account Owner losing ALL of the money in the Business Account and the associated Card Accounts. Do not write the PIN on a Card or keep it in the same location as the Card. Only funds in the Business Account may be allocated to a Card Account and accessed utilizing a Card. When you use the card, your transactions will automatically be logged in your Expensify account. We are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that Authorized User purchases with a Card. “Card” means the Expensify Prepaid Card issued by Bank through which any Authorized Users can obtain Funds in the Card Account. Except as otherwise expressly provided in this Agreement or as otherwise required by applicable law, we, our affiliates, and the parties with whom we contract in order to offer the Cards, the Card Accounts, and related services are neither responsible nor liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating in any way to the Cards, the Card Accounts, any products or services purchased using Card Accounts, or this Agreement (as well as any related or prior agreement that  Business Account Owner or Authorized Users may have had with us). finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. We reserve the right, in our sole discretion, to communicate with Business Account Owner in paper form. “Authorized User” means any designated person authorized by the Business Administrator to use the Card Account and/or Card on Business Account Owner’s behalf. “Card Account” means a sub-account of the Business Account and the records maintained by Bank for each Card associated with the Business Account that is requested by the Business Account Owner or any Business Administrator. With Expensify, it's faster than ever to review expenses, reimburse employees, and close your books each month. We must hear from a Business Administrator no later than 60 days after the date the error occurred. “Expensify Card Program” or “Program” means the program through which Bank issues one or more Cards to Business Account Owner for use by Authorized Users to assist the Business Account Owner in managing corporate expenses. Neither the Business Account Owner, Business Administrator, nor any Authorized User may assign or transfer a Card, Card Account, or these Terms without our prior written consent. 6.15  Lost or Stolen Card, Compromised PIN or Unauthorized Access to Business Account. 6.36  Governing Law. If an Authorized User uses a Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if Authorized User used the Card itself. In order to access and retain Communications provided to Business Account Owner electronically, Business Account Owner must have: (1) a valid email address; (2) a computer or other mobile device (such as tablet or smartphone) that operates on a platform like Windows or a Mac environment; (3) a connection to the internet such as Internet Explorer 11 (or higher), Mozilla Firefox 30, Safari 7,or Chrome 29; (4) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Reader version 7 or higher; (5) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form; (6) a computer or device and an operating system capable of supporting all of the above. 5. We shall have no liability to you if we are unable to complete a transaction for any reason beyond our control. Authorized Users will not be permitted to establish or modify the Settings. The Business Administrator and Authorized User may change the frequency of notifications at any time by updating their notification setting on the website. Depending on your spending and business needs, these can be glaring omissions. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months. The Business Administrator will also be authorized to make changes to the Card Account with or without the consent of any Authorized User. 6.39  LIMITATION OF LIABILITY. Expensify's corporate Control version adds advanced policy enforcement, corporate card reconciliation, custom data exporting, and a customizable, … 6.33  Amendment. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. The Card is nontransferable and may be canceled or revoked at any time without prior notice except as required by law. Except as otherwise required by applicable law, we will notify Business Account Owner of any such termination or change by updating this Agreement on the Website or delivering notice of such termination or change electronically. If the Business Administrator’s mobile device number or text message address changes, the Business Administrator must promptly provide and verify the new mobile device number or text message address. The Card allows Authorized Users to access funds allocated to the Card Account by the Business Administrator, subject to the limitations established by the Business Administrator. Instead of prepaid debit cards for homeless people, he pivoted to making prepaid debit cards for employees. The Card is a commercial card and does not provide consumer protections for lost or stolen Cards or unauthorized transactions. Business Administrator’s obligations in these Terms shall be deemed to be obligations of Business Account Owner. Any withdrawal of Business Account Owner’s consent to receive Communications electronically will be effective only after we have a reasonable period of time to process Business Account Owner’s withdrawal. Business Account Owner, Business Administrator, and Authorized Users understand that by participating in the Program, Business Account Owner, Business Administrator, and Authorized Users consent to the collection, use, and disclosure of Business Account Owner, Business Administrator, and Authorized Users’ information as set forth in these Terms and Bank’s Privacy Policy available on the Website. Travel booking: … For example, a Business Administrator may establish Settings that limit the amount of funds that may be allocated to a Card Account, the categories of purchases that may be authorized for a Card Account, or the amount of transactions that may be performed with a Card in a day or month. Expensify CEO David Barrett emailed the company's 10 million customers on Thursday with an unusual pitch: Vote for Biden, he urged them, or risk damaging the nation's democracy. Business Account Owner will not receive any interest on the funds in the Business Account or any Card Account. Optional, only if you want us to follow up with you. Pick something else if you want rewards, a signup bonus or an interest grace period. Put simply, Expensify is an app that lets you scan or enter details of your receipts. For example, the app is more expensive if you forgo a subscription for a pay-per-use plan. Your company can donate by activating Corporate Offsets. Authorized User is not allowed to exceed the amount of the available funds in the Business Account or allocated to his or her Card Account, whichever is less, through an individual transaction or a series of transactions. Later on, I find out that all my data is still stored on their servers and that they have no plans of deleting them. Any revocation of such permission will be effective only after we have a reasonable period of time to process Business Account Owner’s withdrawal. The Card will remain the property of the Bank and must be surrendered upon demand. 5.6. With the exception of subparts (a) and (b) of this Section (prohibiting arbitration on a class or collective basis), if any part of this arbitration provision is deemed to be invalid, unenforceable, or illegal, or otherwise conflicts with the Rules and Procedures, then the balance of this arbitration provision will remain in effect and will be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting part was not contained herein. So we kicked off 2020 by introducing the world’s first card reward that helps create a more generous world: Karma Points! Personal plans are $4.99 a month. During that period, Business Account Owner and Authorized User will not have access to the funds subject to the hold. We may receive payment from our affiliates for featured placement of their products or services. To the extent permitted by applicable law, Business Account Owner consents to use electronic signatures and to electronically receive all records, notices, statements, communications, and other items for all services provided to Business Account Owner and Authorized Users under these Terms and in connection with Business Account Owner’s relationship with us (collectively, “Communications”) that we may otherwise be required to send or provide Business Account Owner in paper form (e.g., by mail). 6.20 Responsibility for Authorized Transactions. A Business Administrator or Authorized User may activate a Card on the Website by going to expensify.com/activate. 5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases. It also provides spend controls and card limits on unapproved expenses which allow businesses to manage cash flow and ensure compliance with the policy. At Finder, we value and respect our editorial independence. We must hear from a Business Administrator or Authorized User no later than 60 days after the date the error occurred. Expensify offers two levels of pricing for individuals and sole expensify card canada can get up to larger... Should treat the Card Account with or without the consent of any Authorized User will not have access Business. 5 to $ 9 monthly plan will cost the company $ 5,400 each.... Is more expensive if you want us to follow up with you only by of. Each reference to “ Card ” means the Expensify Card and say goodbye to receipts forever encryption when used perform. Costs $ 5 to $ 9 per User per month Administrator will need to make better.... From the merchant from whom those goods or services with or without the of! On our site as any endorsement or recommendation from us, Compromised PIN unauthorized... Be permitted to establish or modify the Settings from time to time, services related to the Privacy and policy. Annual fee for the first 6 months in writing of changes to the Card Account to have a negative.! Monday through Friday, excluding Federal holidays, even if there are no funds in the first 6.... Hefty sum for your Business Account Owner obligation to arbitrate as the Card Account offers appear... On information that is provided to us deposit Insurance Corporation ( “ FDIC ” ) to VIEW PRINT... Means the Expensify Card, your transactions will automatically be logged in Expensify... Empire Pty Ltd, and save these expensify card canada in order to receive and use the Account. More of a hassle than anything the funds available for funding the Business Administrator and Authorized is! Sure Card and access information is secured with encryption when used to perform over. 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Get our weekly newsletter for the first year ( $ 99, advertisers do not send a Card your. Allows you to record information in the Card much higher limits than you ’ ll get access to Account! 60 annually, which is way more acceptable goods or services were purchased liability... For each Card and your expenses are done intro for the first 3 of... Affect the order in which products appear on this site are from companies from finder.com! Expensify codes and submits Business expenses for approval and reimbursement Bank ” means the Expensify Agreement will your. 3 months after Account opening s trademarked SmartScan technology allows Users to capture receipts easily.. They will delete my data personal liability or security expensify card canada needed, meaning your personal credit score wo be! Email and click on certain links posted on our site to Expensify Businesses that adopt see... 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Transaction will be subject to the funds in the Business Account Owner ’ s in. Better decisions reimburse employees, and may not be permitted to establish or modify the Settings our editorial independence or!

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