TERMS OF USE

ZilRemit is Corporation. ZilRemit is a fintech service for international money transfers, not a bank.

ZilRemit is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.

Disclosures

The information provided by ZilRemit (“we,” “us,” “our,” or “Zil”) on https://zilremit.com (the “Site”) and our mobile application is for general informational purposes only. All information on the Site and our mobile application is provided in good faith;however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information on the Site or our mobile application. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SITE OR OUR MOBILE APPLICATION OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SITE AND OUR MOBILE APPLICATION. YOUR USE OF THE SITE AND OUR MOBILE APPLICATION AND YOUR RELIANCE ON ANY INFORMATION ON THE SITE AND OUR MOBILE APPLICATION IS SOLELY AND ABSOLUTELY AT YOUR OWN RISK.

ZilRemit transaction charges are clearly outlined under every subscription plan. Users explicitly agree to allow ZilRemit Corporation or its authorized representatives to automatically deduct from their credit-card/bank-account and maintain the minimum balance required in their ZilRemit account.

Last updated December 02, 2025

AGREEMENT TO TERMS

These Terms of Use (the “Terms” or “these Terms” or the “Agreement”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and ZilRemit Corporation, doing business through its virtual platform “ZilRemit ” or other platforms (hereinafter referred to as “ZilRemit”, “we”, “us”, or “our”), concerning your access to and use of the https://zilremit.com or the ZilRemit service platform’ websites as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of the Terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USING THE SITE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of these Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms to stay informed of updates. You will be subject to and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms by your continued use of the Site after the date such revised Terms are posted.

The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

We comply with all federal laws and relevant state laws, rules, regulations and policies promulgated by the concerned regulatory bodies governing the fintech industry.

The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.

INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site vests in us proprietary rights and interests and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Contents” and singularly the/any “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Contents and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms, no part of the Site and no Contents or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Contents to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Contents and the Marks.

USER REPRESENTATIONS

By using the Site, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (6) you will not use the Site for any illegal or unauthorized purpose; and (7) your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). If you open a ZilRemit account or use the Services, you do so on behalf of a business, commercial enterprise, non-profit organization, or government entity and not in your capacity as a consumer for personal, family, or household purposes.

You will use the Site and the Services, including without limitation any Business Payments, solely for business or commercial purposes and not for personal, family, or household purposes.

You will not link any consumer or personal deposit account that is not directly connected to the primary business purpose of the Company as a Funding Source or otherwise use such an account in connection with the Services.

BUSINESS PURPOSE ONLY

The Site and the Services, including without limitation any ZilRemit payment, disbursement, or collection functionality, are offered solely for business and commercial purposes. The Services are not intended to be used, and you agree not to use them, for personal, family, or household purposes.

By accessing or using the Site or Services, you represent and warrant on a continuing basis that: (a) you are acting in a business or commercial capacity; (b) all transactions initiated through your ZilRemit account are for business or commercial purposes; and (c) you will not use the Services to initiate transfers or payments that are primarily for personal, family, or household purposes

ZilRemit may suspend or terminate your access to the Services if ZilRemit reasonably believes that your account or any Funding Source is being used for consumer or other non-business purposes

You hereby acknowledge that we have contractual relationships with other entities who are our service partners and/or service providers in connection with our services to you hereunder. Therefore, you hereby unconditionally and irrevocably acknowledge and agree that these Terms of Use of ours essentially include and integrate the terms and conditions of our service partners and/or service providers. You hereby further acknowledge and agree that by your acceptance of and agreement to our Terms of Use, you, unconditionally, irrevocably and without further action, agree to and accept the terms and conditions of our service partners and/or service providers from time to time as the weblinks to the terms and conditions of our service partners and/or service providers and provided below for your access, review and acceptance, as if those constitute integral part of our Terms of Use.

ZilRemit

ZIL MONEY E-SIGNATURE AGREEMENT

ZilRemit Privacy Policy

ZilRemit Terms and Conditions

ZilRemit Cookie Policy

ZilRemit Disclaimer

ZilRemit Prohibited Countries, Products & Services

USA Patriot Act Notice

Funds added to your ZilRemit account are transferred to and held by one or more banks in an umbrella fiduciary account for the benefit of ZilRemit’s users (an “FBO Account”) that is insured by the Federal Deposit Insurance Corporation (FDIC)that we choose at our discretion (“Partner Banks”). FDIC insurance is available through pass-through insurance through our Partner Banks if certain conditions have been met.Deposits are insured up to $250,000 per depositor in the event of the failure of an FDIC-insured bank. ZilRemit is a financial technology company, not an FDIC-insured bank.

We may combine your ZilRemit account funds with the funds of other ZilRemit account holders, which may be invested in liquid investments in accordance with state laws. You will not receive any interest or other return on the funds held with us. We own the interest or other earnings on these investments. However, the claim against us represented by funds held in your ZilRemit account is not secured by these investments and you do not have any ownership interest (either legal or beneficial) in these investments. These pooled amounts are held apart from our corporate funds, and we will neither use these funds for our operating expenses or any other corporate purposes nor will we voluntarily make these funds available to our creditors in the event of bankruptcy. However, you remain the beneficial owner of the principal amount of the funds held in an FBO Account on your behalf.

ACH Authorization Terms and Conditions

By accepting these Terms and Conditions, you authorize ZilRemit to initiate Automated Clearing House (“ACH”) debit and credit entries to an external bank account you have linked to your ZilRemit account. This authorization applies to transactions for funding your ZilRemit account and withdrawing funds. Your responsibilities under these Terms include:

You agree to provide and maintain accurate, complete, and up-to-date banking information for your linked account.

You agree that sufficient funds will be available in your linked account to cover ACH debits authorized under this agreement.

You acknowledge that ZilRemit is not responsible for any fees, including insufficient funds fees or overdraft fees, charged by your financial institution due to ACH transactions.

You agree to comply with all requirements under applicable U.S. law and the Nacha Rules.

You hereby grant ZilRemit the right to:

Initiate ACH debits from your linked account to fund transactions or satisfy any amounts owed to ZilRemit or other users through the ZilRemit platform.

Initiate ACH credits to your linked account for withdrawals, refunds, and other payments owed to you through the ZilRemit platform.

Correct erroneous transactions by initiating necessary ACH debit or credit entries.

You acknowledge and agree that any external bank account you link to your ZilRemit account for ACH debits or credits is used primarily for business or commercial purposes and not for personal, family, or household purposes. You will not link or authorize debits from any consumer deposit account. By providing ACH authorization, you represent and warrant that all ACH transactions initiated under this authorization relate to Business Payments and other business purposes of the Company.

This authorization will remain in full force and effect until you notify ZilRemit in writing of your intent to revoke it. Revocation must be submitted at least 2 business days before the intended termination date. Revoking this authorization may impact your ability to use ZilRemit services.

PARTNER BANKS

Your ZilRemit account funds will be placed by ZilRemit, in an account held with one of our bank partners listed below.

Texas National Bank

Lincoln Savings Bank

BUSINESS PAYMENTS

The Services include facilitating payments by a U.S. company (the “Company”) of accounts payable to certain recipients (such as vendors, employees, service providers, and consultants) located in the United States (each a “Payee”), as well as transfers of funds to your Deposit Account from your bank account and transfers of funds from your Deposit Account to your bank account, a third party’s Deposit Account, and Payees (collectively, “Business Payments”). Business Payments are intended solely for commercial and business purposes and are not intended to be used for personal, family, or household purposes. You must have an active Zil Account in good standing to use the Business Payments Service. Your use of the Business Payments Service is subject to: (a) this Agreement; (b) the other Zil terms and conditions provided on the Site, including without limitation, the Zil Privacy Policy, Zil Electronic Communications Agreement, and ZilRemit Terms and Conditions, as applicable; and (c) the terms and conditions of our Payment Provider (defined below).

(i) Payment Provider.

The funds transfer services underlying Business Payments are provided by our third-party financial institution service providers (“Payment Provider”). We reserve the right to change Payment Providers without prior notice to you. At no time does Zil receive, hold, or control any funds in connection with Business Payments. You agree that any future changes to the applicable Payment Provider terms and conditions will apply to your use of the Business Payments Service regardless of whether or not Zil or the Payment Provider notifies you of those changes, including in the event that Zil changes the Payment Provider to a new financial institution service provider.

(ii) Funding Sources.

Business Payments may be made using certain payment methods, including ACH or wire transfers from your bank account, cards, credit cards, and ACH transfers from your Deposit Account (each, a “Funding Source”). Each Funding Source must be held in the name of the Company and must be used primarily for business or commercial purposes. You may not use any consumer or personal deposit account that is not directly connected to the Company’s primary business purpose as a Funding Source.

You agree and represent that any Funding Source you use for Business Payments is: (a) an account that you own or control; (b) held in the name of the Companyor in the name of an individual acting in a business capacity for the Company; and (c) not used primarily for personal, family, or household purposes. By linking any Funding Source to your Zil Account, you further represent and warrant that such Funding Source is not a consumer account and that all transactions initiated through the Business Payments Service using that Funding Source are exclusively for business or commercial purposes.

In order to use the Business Payments Service, you must provide all information required by Zil or the Payment Provider for each Funding Source. You agree to provide complete and accurate information for each Funding Source and to promptly notify us of any changes to Funding Source information you have previously provided. All information you provide relating to Funding Sources shall constitute Company Information for purposes of this Agreement and the Zil Privacy Policy. Neither Zil nor the Payment Provider will have any liability for relying on the Funding Source information provided by you in accordance with this section.

(iii) Payment Instructions and Authorization.

You can initiate a Business Payment through your Zil Account or by other means that Zil may make available to you. Company hereby authorizes Zil and the Payment Provider, upon receipt of payment instructions from you, to facilitate payments from the applicable Funding Source to your designated Payee or transfers of funds from the applicable Funding Source to your bank account, your Deposit Account, or a third-party’s Deposit Account in accordance with the payment instructions. You may be required to provide additional written authorizations in connection with a particular Funding Source such as ACH Authorization Forms as well as the authorization forms of our partners.

Zil and the Payment Provider each has the right in its sole discretion, for any or no reason, to reject any payment instructions or to cancel a Business Payment.

Company shall promptly notify Zil upon learning of or suspecting any errors or inaccuracies in any payment instructions and cooperate with Zil and the Payment Provider to correct any Business Payments that are misdirected, unauthorized, erroneous, or duplicative. Company acknowledges and agrees that Zil does not guarantee or have control over or liability for: (a) any inaccurate or incomplete payment instructions received from Company; (b) any payment received within or outside a timeframe agreed to between Company and a Payee; (c) insufficient funds in or the closure of any Funding Source indicated in any payment instruction; or (d) any return of or refusal to accept any Business Payment by a Payee or the financial institution holding the Payee’s account.

To the maximum extent allowed by applicable law, Zil will have no liability for any loss, harm, claim, or dispute arising from a Business Payment when relying on any payment instructions provided in accordance with this Agreement.

(iv) Payout Methods are determined by you and facilitated by ZilRemit.

Payees agree to the ZilRemit terms of service for all electronic payment modalities.

(v) Stop Payments can be requested by you and are subject to cancellation fees if not submitted before payment has been submitted to the ACH clearing house for processing.

You may request a stop payment of any Business Payment by contacting us at support@onlinecheckwriter.com or support@zilremit.com. If you submit a timely stop payment request before funds are transferred to the Payee or any other recipient through a check, wire transfer, or ACH or prior to the use of a virtual card issued to a Payee, ZilRemit will make reasonable efforts to act on the request. However, please note that ZilRemit will not be liable if such stop payment request is not successful. ZilRemit will collaborate with you to stop a Business Payment, but you acknowledge that ZilRemit may not always have the capacity to stop such a payment. If ZilRemit successfully stops the payment, you will receive a return of the funds to the original Funding Source. In the event that ZilRemit cannot effectuate the stop payment, you must request a return of the funds directly from the Payee or other recipient.

RELATED POLICIES

For complete information about our services and policies, please review the following documents:

ZilRemit is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.