IMPORTANT: PLEASE CAREFULLY READ THE FOLLOWING TERMS OF SERVICE. YOU ACKNOWLEDGE THAT YOU UNDERSTAND AND AGREE TO ALL OF THESE TERMS IF YOU HAVE CREATED OR USED A BENTO ACCOUNT OR HAVE CLICKED AN “I ACCEPT” BUTTON WITH RESPECT TO THE USE OF BENTO.
We reserve the right to change the Terms at any time, but if we do, we will bring it to your attention by placing a notice on the https://bentoforbusiness.com website, by sending you an email, and/or by some other means. The revised version will be effective at the time we post it. If you do not agree with such revised Terms of Service, you must close your Bento Account. These Terms of Service are separate and independent from the terms of the Cardholder Account Agreement, which governs the relationship between you and Issuing Bank.
If you don’t agree with the new Terms, you are free to reject them; unfortunately, that means you will no longer be able to use the Bento Services. If you use the Bento Services in any way after a change to the Terms is effective, that means you agree to all of the changes.
Except for changes by us as described here, no other amendment or modification of these Terms will be effective unless in writing and signed by both you and us.
You must carefully review these Terms and documents referenced herein when choosing whether to use the Bento Service. Please be advised: These Terms contain provisions that govern how claims we have against each other are resolved, including an agreement to arbitrate, which will, with limited exception, require you to submit claims you have against us to binding and final arbitration. You will be permitted to pursue claims against us only on an individual basis, not as a plaintiff or class member in any class or representative action or proceeding, and you will be permitted to seek relief (including monetary, injunctive, and declaratory relief) only on an individual basis. The Cardholder Account Agreement covers all issues relating to access to your Cardholder Account, your Bento Card, and financial transactions involving your Cardholder Account or Bento Card, notwithstanding anything in these Terms.
Please note the following risks of using the Bento Service, which are set forth in more detail in the relevant sections of these Terms:
We may close, suspend, or limit your access to your Bento Account and the Bento Service if you violate these Terms, the Cardholder Account Agreement, or any other agreement you enter into with Bento, or as may be otherwise specified in these Terms. We may also use fraud and risk modeling when assessing the risk associated with your Bento Account.
Capitalized terms have the meanings set forth in Schedule 1—Definitions, or the meaning set forth below.
Bento helps you make payments to, and accept payments from, third parties. Bento is not a bank or other chartered depository institution. Your conducting Transactions and/or redemptions of Third Party Offers using the Bento Service are between you and a third party, and not with Bento or any affiliates. Bento is not a party to your Transactions.
Bento is an independent contractor for all purposes, and is not your agent or trustee. Bento does not have control of, or liability for, the products or services that are paid for through the Bento Service. We do not guarantee the identity of any User or ensure that a third party will complete a Transaction.
You agree to use Information that you receive about another User only as necessary to use the Bento Service. You shall not disclose such Information to a third party, use such Information for your marketing purposes or use it for any other purposes, without Bento’s prior written consent to do so and, where required by law, the consent of the other User.
Some of the features of the Bento Service may be supported by advertising revenue and may display advertisements and promotions. In consideration for Bento granting you access to and use of the Bento Service, you agree that Bento may place such advertising in the Bento App and may send you advertising via email. In addition, you allow us to use information and other data regarding your use of the Bento Service and data generated in connection therewith to be used by Bento in order to present you with more relevant advertising and Third Party Offers. As part of the Bento Service, you may receive push notifications, local client notifications, text and picture messages within the Bento App, alerts, e-mails or other types of messages directly sent to you outside or inside the Application. Please be aware that your cell phone service provider or your internet service provider may charge you fees for your use of data related to the Bento App. Additionally, you may be charged for messaging fees for SMS advertising, communications, alerts, verification, and notifications, depending on the message plan you have with your wireless carrier. By providing your phone number when enrolling in the Bento Service, you certify that you are the account holder or that you have the account holder’s permission to do so. To stop receiving e-mails you can use the unsubscribe mechanism provided in all e-mails, provided that e-mails containing important information about your account will continue to be sent until you cancel your Bento Account. To stop receiving all other forms of advertising, simply uninstall the Bento App.
You are responsible for maintaining adequate security and control of your mobile phone, any and all IDs, passwords, personal identification numbers (PINs), or any other codes that you use to access the Bento Service and your Bento Account. You should also carefully safeguard your Bento Card. You agree to immediately notify us of any unauthorized use of your login credentials or other breach of security, either by phone at 855-782-1827 or by e-mail at email@example.com.
All Transactions are processed by automated methods, and anyone who obtains your access credentials and/or mobile phone could use it to transfer your money without your permission.
If you furnish your mobile phone and/or Bento Service access credentials to a third party, a third party uses your login credentials, or you negligently make your mobile phone or access credentials available to a third party who then uses them, you will be liable for the Transactions conducted and other use or misuse of your Bento Account until and unless we have been notified otherwise. You are responsible for any use or misuse with respect to your login credentials. We may require you to close your Bento Account and open a new one, and/or change your Bento Service access credentials.
To be eligible to use the Bento Service, you must be at least 18 years old and a resident of the United States. You represent and warrant that you are of legal age to form a binding contract (or if not, you’ve received your parent’s or guardian’s permission to use the Services and gotten your parent or guardian to agree to these Terms on your behalf). If you’re agreeing to these Terms on behalf of an organization or entity, you represent and warrant that you are authorized to agree to these Terms on that organization or entity’s behalf and bind them to these Terms (in which case, the references to “you” and “your” in these Terms, except for in this sentence, refer to that organization or entity).
You may send money from, and receive money into, your Cardholder Account through the Bento Service, by using a mobile device, the Internet, or other technologies on which Bento may make the Bento Service available from time to time. You may add money to your Cardholder Account and conduct payment transactions as described below. Please note that funds sent through the Bento Service may not be instantly available to you. The Cardholder Account Agreement will govern the timing and availability of deposits made to and from your Cardholder Account.
From the interface in the Bento Service, you may view your Transaction history, change applicable settings, and view and redeem any Third Party Offers, and any Bento membership or other status designation we may choose to provide.
We reserve the right to change, suspend or discontinue any aspect of the Bento Service at any time, including hours of operation or availability of the Bento Service or any Bento Service feature, without notice and without liability. We also reserve the right to impose limits on certain Bento Service features or restrict access to some or all of the Bento Service without notice and without liability. Notwithstanding this section, any changes to your Cardholder Account, your Bento Card, their features, and their services will be governed by the Cardholder Account Agreement.
Restrictions on Cardholder Account transactions are fully described in, and governed by the Cardholder Account Agreement.
When you sign up for Bento, you are creating a Bento Account unique to your provided email address. During the signup process for the creation of a Bento Account we will ask you to provide certain Information. You will also need to create a Cardholder Account and you will be asked to agree to abide by the terms of the Cardholder Account Agreement between you and Issuing Bank.
You agree to cooperate with all requests made by us or any other third parties in connection with your Bento Account, to identify you, authenticate your identity, or validate your funding sources or Transactions. Bento reserves the right to close, suspend, or limit access to your Bento Account and/or the Bento Service in the event we are unable to obtain or verify such Information. You authorize Bento, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information, requiring you to provide your date of birth, a taxpayer identification number and other information that will allow us to reasonably identify you, including requiring you to take steps to confirm ownership of your email address or payment instruments or verifying your Information against third party databases or through other sources. We may also ask to see your driver’s license or other identifying documents at any time. However, we will not access your credit report without first obtaining your consent.
You are responsible for confirming the accuracy of the applicable payment information for each Transaction you engage in, including the email address or telephone number of the recipient and the amount of the Transaction, including the accuracy of any requests for payment delivered to you based on proximity-based technology in the Bento Service. Any information or content publicly posted or privately transmitted through the Services is the sole responsibility of the person from whom such content originated, and you access all such information and content at your own risk, and we aren’t liable for any errors or omissions in that information or content or for any damages or loss you might suffer in connection with it. We cannot control and have no duty to take any action regarding how you may interpret and use the Content or what actions you may take as a result of having been exposed to the Content, and you hereby release us from all liability for you having acquired or not acquired Content through the Services. We can’t guarantee the identity of any users with whom you interact in using the Services and are not responsible for which users gain access to the Services.
If you grant express permission to a third party to take specific actions on your behalf, or access particular information about your Bento Account, either through your use of the third party’s product or service, or through your Bento Account, you acknowledge that Bento may disclose the information about your Bento Account that is specifically authorized by you, to such third party. You also acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under these Terms. You may change or remove these permissions at any time by changing your settings in your Account Profile.
Bento has no control over, and assumes no responsibility for, the content, accuracy, privacy policies, or practices of or opinions expressed in any third party websites or by any third party that you interact with through the Services. In addition, Bento will not and cannot monitor, verify, censor or edit the content of any third party site or service. By using the Services, you release and hold us harmless from any and all liability arising from your use of any third party website or service.
Your interactions with organizations and/or individuals found on or through the Services, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organizations and/or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. You agree that Bento shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.
If there is a dispute between participants on this site, or between users and any third party, you agree that Bento is under no obligation to become involved. In the event that you have a dispute with one or more other users, you release Bento, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Services. If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor.”
You are responsible for any fees charged, with respect to any Payment Instrument, Third Party Offer, merchant, or any other third party in connection with your use of the Bento Service. Be sure you take time to review and understand any fees imposed by third parties.
“Bentoforbusiness.com,” “Bento,” and all logos related to the Bento Service are either trademarks or registered trademarks of Bento Technologies, Inc. or its licensors. You may not copy, imitate or use them without Bento’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Bento. You may not copy, imitate, or use them without our prior written consent. All right, title and interest in and to the Bento website, any content thereon, the Bento Service, the technology related to the Bento Service, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of Bento and its licensors. Your use of the Bento App shall be subject to the applicable license terms thereof.
If you have an inquiry regarding a payment made with the Bento Support, or you believe there has been an error or unauthorized Transaction, please contact Bento Customer Support immediately. Customer Support can be contacted through the Bento App, via email at firstname.lastname@example.org, via phone at 855-782-1827, or via mail at Bento for Business PO Box 190608, San Francisco, CA 94119.
As stated above, to use the Bento Community Service, you must create a User Account. To register an Account you must: (1) be at least eighteen (18) years of age or older, (2) complete the Account registration form by providing true, accurate, current and complete information (collectively, the “Registration Data”) and (3) maintain and promptly update the Registration Data as necessary to keep it true, accurate, current and complete. If Bento has reasonable grounds to suspect that any of your information is untrue, inaccurate, stale or incomplete, we may suspend or terminate your Account and prohibit you from accessing or contributing to any User Activities.
For all User Submissions, you hereby grant Bento a license to translate, modify (for technical purposes, for example making sure your content is viewable on an iPhone as well as a computer) and reproduce and otherwise act with respect to such User Submissions, in each case to enable us to operate the Bento Services, as described in more detail below. This is a license only – your ownership in User Submissions is not affected.
If you store a User Submission in your own personal Bento account, in a manner that is not viewable by any other user except you (a “Personal User Submission”), you grant Bento the license above, as well as a license to display, perform, and distribute your Personal User Submission for the sole purpose of making that Personal User Submission accessible to you and providing the Bento Services necessary to do so.
If you share a User Submission only in a manner that only certain specified users can view (for example, a private message to one or more other users)(a “Limited Audience User Submission”), then you grant Bento the licenses above, as well as a license to display, perform, and distribute your Limited Audience User Submission for the sole purpose of making that Limited Audience User Submission accessible to such other specified users, and providing the Services necessary to do so. Also, you grant such other specified users a license to access that Limited Audience User Submission, and to use and exercise all rights in it, as permitted by the functionality of the Bento Services.
If you share a User Submission publicly on the Services and/or in a manner that more than just you or certain specified users can view, or if you provide us (in a direct email or otherwise) with any feedback, suggestions, improvements, enhancements, and/or feature requests relating to the Services] (each of the foregoing, a “Public User Submission”), then you grant Bento the licenses above, as well as a license to display, perform, and distribute your Public User Submission for the purpose of making that Public User Submission accessible to all Bento users and providing the Bento Services necessary to do so, as well as all other rights necessary to use and exercise all rights in that Public User Submission in connection with the Services and/or otherwise in connection with Bento’s business for any purpose. Also, you grant all other users of the Services a license to access that Public User Submission, and to use and exercise all rights in it, as permitted by the functionality of the Bento Services.
You may have heard of the Digital Millennium Copyright Act (the “DMCA”), as it relates to online service providers, like Bento, being asked to remove material that allegedly violates someone’s copyright. We respect others’ intellectual property rights, and we reserve the right to delete or disable Content alleged to be infringing, and to terminate the accounts of repeat alleged infringers; to review our complete Copyright Dispute Policy and learn how to report potentially infringing content, click here.
may include, but are not limited to (1) violation of the Terms or of any terms and conditions or policies applicable to any Bento site or service or those of its affiliates or partners; (2) abuse of Bento resources or attempt to gain unauthorized entry to Bento or its resources; (3) use of Bento in a manner inconsistent with the Purpose; (4) as required by law, regulation, court or governing agency order. The termination of your access to Bento may be effective immediately. Bento shall not be liable to any user or other third party for termination of an Account.
As stated above, to use the Bento Service, you must create a Cardholder Account with Issuing Bank and you hereby authorize us to share any Information you provide to us with Issuing Bank. Issuing Bank will use such Information in accordance with its privacy practices, which are disclosed and available for your review here. If you request a Cardholder Account and the request is accepted, then Issuing Bank will receive, hold and transfer funds on your behalf, subject to the terms of the Cardholder Account Agreement (the “Cardholder Account Services”). Once you have created your Cardholder Account, you will be eligible to receive Cardholder Account Services. Issuing Bank, not Bento, provides the Cardholder Account Service to you. Bento does not receive, hold or transfer your funds under the Cardholder Account Service. Bento is, however, engaged by Issuing Bank as its limited agent only to help provide the following portions of the Cardholder Account Service: administering your enrollment into that service; receiving, approving, and relaying your transfer instructions for execution by Issuing Bank; accounting services and reporting services regarding the funds held or transferred for you by Issuing Bank; and, associated customer support. The Bento Card is not a credit card, and Bento and Issuing Bank are not extending credit in connection with your use of the Bento Service.
Your Cardholder Account balance does not earn interest. The Cardholder Account is not a payroll account and cannot be used to make payroll payments to anyone. Transactions with your Cardholder Account may be limited by applicable limits set by Issuing Bank under the Cardholder Account Agreement or Bento as set forth in these Terms.
You acknowledge that balances and available funds reported via the Bento Service only approximate real time balances rather than the settled balances in your Cardholder Account. A real time balance may not take into account pending debits and credits. Despite that fact, Bento will provide you information about pending debits and credits when it has that information.
The Cardholder Account governs any and all loads to your account. To load your account, you must request an electronic transfer from either your Registered Bank Account or a debit or credit card. In such a transaction, you are instructing Bento to instruct Issuing Bank to accept electronic transfers via direct deposit, ACH, or from a credit card, or debit card, in the amount you specify, and to deposit such funds into your Cardholder Account. You give Bento the right to instruct Issuing Bank to resubmit any ACH debit or charge to a debit or credit card you authorized that is returned for insufficient or uncollected funds. Loads from debit or credit cards are subject to the fees described in the Cardholder Account Agreement. The load fee is higher when you use a debit card that is exempt from the federal standards that apply to the interchange fee paid by merchants (this fee is commonly referred to as the “Swipe Fee”). You will be informed which load fee applies before completing a load transaction. If you load your account using your credit card and your credit card issuer deems the load to your account to be a cash advance transaction or a similar non-purchase transaction, you may incur cash advance or similar fees assessed by the credit card issuer. Please refer to your agreement with your credit card issuer for information on whether cash advance fees may be incurred.
If you turn on the automatic reloads feature in the transfer of a predetermined sum to be initiated to your Cardholder Account from either your Registered Bank Account, credit card, or debit card, the load will be initiated on the day of the week or day of the month of the selected date. If the selected day is a non-business day or a federal holiday, the load will be initiated the following business day. The Cardholder Account Agreement governs this preauthorized load activity, including any fees you might be subject to. By turning on this feature, you certify that you have written approval from or a written agreement with the issuer of your Registered Bank Account, credit card, or debit card to have reoccurring preauthorized transfers between your Registered Bank Account, credit card, or debit card and your Cardholder Account.
The methods of sending money to another User are divided into the following payment methods described below, each a (“Payment Method”):
By sending money via one such Payment Method, you authorize and instruct Bento to instruct Issuing Bank and any other applicable service providers to debit your particular Payment Instrument for the applicable amount. Once you have provided your authorization for the Transaction, you will not be able to cancel it, except as described in the Cardholder Account Agreement, or as provided for by applicable law. You are solely responsible for confirming the accuracy of any Transactions made by you or through any requests for payment, e.g. bills or invoices, received and accepted by you.
The Bento Card is a physical card connected to your Cardholder Account at Issuing Bank that may be used to make purchases at any location that accepts the payment networks for the Bento Card (e.g., Visa debit cards or Debit MasterCard). The use of this Card and the Cardholder Account are governed solely by the terms in the Cardholder Account Agreement.
Bento may delay, in its sole discretion, sending instructions on your behalf if we have reason to believe that your instructions may involve fraud or misconduct, or violate applicable law, these Terms, or applicable Bento policies, as determined in Bento’s sole and absolute discretion.
It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. Bento is not responsible for determining whether taxes apply to your Transaction, or for collecting, reporting or remitting any taxes arising from any Transaction. You hereby agree to comply with any and all applicable tax laws in connection with your use of the Bento Service, including without limitation, the reporting and payment of any taxes arising in connection with Transactions made through the Bento Service.
Nothing in this Section 5 will be considered to supersede the Cardholder Account Agreement between you and Issuing Bank. In the event of a conflict in terms between the two, the Cardholder Account Agreement will supersede these Terms.
If you wish to close your Bento Account you must contact us by email at email@example.com. Your Bento Account can be closed only by you and only by contacting Bento via email. If you contact us with such a request, we will take certain steps to verify your identity and you agree to cooperate in such verification. Once we have verified your identity and confirmed you wish to close your Bento Account, Issuing Bank will close your account pursuant to the procedures and conditions outlined in the Cardholder Account Agreement. When your Bento Account is closed, we will cancel any pending instructions you have given us, you will lose your right to participate in any Third Party Offers.
You may not close your Bento Account to evade an investigation. If you attempt to close your Bento Account while we are conducting an investigation, Bento may freeze your account for up to one hundred eighty (180) days to protect Bento, its affiliates, or a third party against any liability. You will remain liable for any obligations related to your Bento Account even after the Bento Account is closed. The terms of closing your Cardholder Account are covered by the Cardholder Account Agreement.
All fees are charged as per the Cardholder Account Agreement. Your bank may also charge you fees as related to the applicable Payment Instrument.
If you have signed up for Bento’s free trial period, services are provided ‘as-is’ without any warranty during this trial period. After the free trial period ends, you must purchase a subscription before continuing to use the service. If you do not purchase a subscription, your service will remain in suspended state until you either purchase a subscription or affirmatively terminate your account, or Bento chooses to terminate your account for non-use. In the event of an account termination (by you or by Bento), any stored funds will be refunded to your external bank account or to you via check or money order in a timely fashion.
Bento may offer both monthly and annual subscriptions. For information regarding Bento’s current fees and subscription plans, please visit Bento Pricing. User subscriptions purchased by you commence on the day after the free trial period ends, and continue on a recurring basis (monthly or annually) until you cancel service. You are solely responsible for the proper cancellation of your account. You may cancel your account at any time by emailing firstname.lastname@example.org or calling 866-220-8455.
Yearly subscription pricing requires a one-year minimum commitment. If you cancel your subscription, or your subscription is suspended for nonpayment, before the end of the one-year commitment period, you will no longer qualify for yearly subscription pricing and you will be charged the difference between the monthly and yearly commitment pricing for the number of months your subscription was active.
Bento may at any time, upon notice of at least 30 days or a longer period if required by applicable law, change the price of your subscription or any part thereof, or institute new charges (including one-time charges). Bento may also, at any time, introduce new or changed products, services, or features. Price changes and institution of new charges implemented during a monthly subscription will come into effect in the subsequent month. One-year subscription price changes will come into effect for any subsequent one-year subscription periods. After the effective date of the change, any new subscribers will be presented with the latest pricing. If you do not agree to any such price changes, then you must cancel your subscription and stop using the Service prior to the commencement of the renewal subscription period for which the price change applies.
All fees are exclusive of all taxes or duties imposed by governing authorities. You alone are responsible for payment of all such taxes or duties.
Bento may offer various methods for paying for your Bento for Business account, including but not limited to, credit card or debiting your Bento Account. You will have the ability to select from the available payment methods when setting up your Bento Account. If you choose to pay for the Services via your Bento for Business account, Bento will charge for service by debiting billing amounts from the cash balance that you maintain with Bento. If your Bento account cannot be debited (due to low or zero balance), your access to service may be downgraded, suspended, and/or terminated. You will need to increase your Bento cash balance in a timely fashion in order to resume use. It is recommended to maintain a minimum balance above your subscription price in order to prevent interruptions in service. A terminated account may not be reactivated. Bento reserves the rights to change the approved payment methods at any time.
Service is billed in advance on a monthly or annual basis and is non-refundable. Bento will email you a notice before billing, and a statement after your account has been successfully debited. You will also receive a notice if Bento could not debit your account due to low or zero balance. You must notify Bento in writing within seven days after receiving your billing statement if you dispute any charges on that statement or you will be deemed to have waived any right to contest such charges. All notices of disputed charges should be sent to: by emailing email@example.com or calling 866-220-8455.
You may upgrade or downgrade plan levels within billing cycles. For any upgrade in plan level, your account will be charged a pro-rated amount in the next billing period. While you have the ability to upgrade and downgrade your account, downgrading your service may cause the loss of content, features, or capacity of your Account as of the moment you downgrade your account. There will be no refunds or credits for partial months of service, downgrade refunds, or refunds for months/years unused with an open account. In order to treat everyone equally, no exceptions will be made.
Bento may downgrade, suspend, or terminate your access to the Service without prior notice and without liability if such action is based on (a) Bento’s belief that you have violated any provision of these Terms (including a failure to make any payment when due), or (b) you do not log in to or otherwise use the Service for a period of 30 days. In the event of account termination, any stored funds (less any unpaid billing charges) will be refunded to your external bank account in a timely fashion.
This section describes how Bento communicates with you electronically, provides additional detail about the Communications we provide you, and sets out the hardware and software you need to receive these Communications.
You agree and consent to electronic receipt of all Communications that we provide in connection with your Bento Account and the Bento Service. Since Bento is an electronic service, you agree that Bento has no obligation to send, and you have no right to receive, communications in paper form. We will provide Communications to you by making them available through the Bento Service or by emailing them to you at the primary email address listed in your Bento Account profile. Electronic Communications shall be deemed to be received by you upon delivery in the following manner:
Issuing Bank and Bento may issue combined Communications for the sake of convenience and you hereby consent to such joint Communications. You acknowledge and agree that such joint Communications shall not make Issuing Bank or Bento responsible for the other’s services.
It is your responsibility to log on to your Bento Account and the Bento Service to open and review Communications that we deliver to you through those means. We may, but are not obligated under these Terms to provide you with notice of the posting of a Communication to your Bento Account or the Bento Service. You are obligated to review your notices and Transaction history, and to promptly report any questions, apparent errors, or unauthorized Transactions. Failure to timely contact Bento may result in loss of funds or important rights. You agree that we will not provide you with a separate periodic statement for your use of the Bento Service unless you specifically request one, in which case you will be charged a fee as described in the Cardholder Account Agreement. You are responsible for reviewing the Transactions reflected in your Transaction history, as made available in the Mobile App and online at bentoforbusiness.com. Your rights and responsibilities under the Cardholder Account Agreement supersede and when the two overlap or are in conflict.
By providing Bento a telephone number (including a mobile telephone number), you agree to receive autodialed and prerecorded message calls at that number. The ways in which you provide us a telephone number include, but are not limited to, providing a telephone number at Bento Account opening, adding a telephone number to your Bento Account at a later time, providing it to one of our employees, or by contacting us from that phone number. If a telephone number provided to us is a mobile telephone number, you consent to receive SMS or text messages at that number, for service-related matters. We will not share your phone number with non-affiliated third parties for their purposes without your consent and we will never market, advertise, or solicit you using autodialing or prerecorded messages, but we may share your phone numbers with our affiliates or with our service providers, such as billing or collections companies, who may contact you using autodialed or prerecorded message calls or text messages. Standard telephone minute and text charges may apply if we contact you.
You understand and agree that Bento may, without further notice or warning and in our discretion, monitor or record the telephone conversations you or anyone acting on your behalf has with Bento or its agents for quality control and training purposes or for its own protection. You acknowledge and understand that, while your communications with Bento may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by Bento, and Bento does not guarantee that recordings of any particular telephone calls will be retained or retrievable.
It is your responsibility to keep your primary email address up to date so that Bento can communicate with you electronically. You understand and agree that if Bento sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Bento will be deemed to have provided the Communication to you. You can update your primary email address at any time by logging into the Bento Service or by calling 855-782-1827. If your email address becomes invalid such that electronic Communications sent to you by Bento are returned, Bento may deem your Bento Account to be inactive, and you will not be able to use your Bento Account until we receive a valid, working primary email address from you. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add Bento to your email address book so that you will be able to receive the Communications we send to you.
In connection with your use of the Bento Service, or in the course of your interactions with Bento, other Users, or third parties, you will not:
If your Bento Account is used to conduct (or to attempt to conduct) Transactions that we believe are not permitted by these Terms (such as one of the activities set forth above) or applicable law, we may, in our sole discretion, and without waiving any of our rights, freeze, close, suspend, terminate or limit your access to the Bento Service. We reserve the right to refuse to facilitate any Transaction, except as prohibited by your Cardholder Account Agreement.
Bento may monitor your Transactions for the purpose of determining fraudulent activity and whether you are in good standing with Bento. Based on our methods, which are subject to change without notice, Bento may decide to suspend your Bento Account, or in other ways limit your privileges. Bento will use all available information to help combat fraud on our system. If you believe your Bento Account has been opened or used in an unauthorized manner in connection with a Transaction, please contact us.
If you become aware of any unauthorized charge occurring through your Bento Account, you should contact Bento customer support as soon as possible via phone at 855-782-1827 or via e-mail at firstname.lastname@example.org. To the extent that the charge relates to your Cardholder Account or your Bento Card, you should contact Issuing Bank as identified in the Cardholder Account Agreement. If Bento suspects unauthorized Transactions, Bento reserves the right to suspend your use of the Bento Service, except as prohibited by your Cardholder Account Agreement.
You are responsible for all liabilities, financial or otherwise, incurred by Bento, a User, or a third party caused by or arising out of your breach of these Terms, your use of the Bento Service, and any use of your Bento Account. You agree to reimburse Bento, a User, or a third party for any and all such liability, to the extent not prohibited by applicable law or your Cardholder Account Agreement with Issuing Bank. The consequence of any breach of the terms of your Cardholder Account Agreement will be covered by that agreement, separately and independently from these Terms.
To the extent permitted by law, we may collect from you any obligations that you owe us under the Terms. To the extent permitted by law, we may also collect from you, by any collection means available to us, any amounts we pay or incur in connection with Reimbursable Claims. Additionally, as applicable, you agree to cooperate with Issuing Bank, the Card Processor, and any third party associated with the Bento Service.
If Bento, in its sole discretion, believes that you may have engaged in any Restricted Activities, we may take various actions to protect Bento, other Users, other third parties, or you from liability. The actions we may take include but are not limited to the following:
The Cardholder Account Agreement. between you and Issuing Bank will supersede this section, Section 10, for the purposes of any rights and liabilities related to your Cardholder Account.
You and Bento agree that any claim or Dispute at law or equity that has arisen or may arise between you and Bento will be resolved in accordance with the provisions set forth in this Section. Please read this Section carefully. It affects your rights and will impact how claims you and we have against each other are resolved.
If a Dispute, claim, or controversy of any kind arises out of or relates to these Terms, you and we agree to resolve any such Dispute, claim, or controversy exclusively through mandatory binding arbitration. You should review this provision carefully. This arbitration provision limits your and our ability to litigate claims in court, and you and we each agree to waive your and our respective rights to a jury trial. Any arbitration under this provision shall take place on an individual basis; class arbitrations and class actions are not permitted. You will not have the right to participate as a class representative, private attorney general, or member of any class of claimants for any claim subject to arbitration. A claim by, or on behalf of, other persons will not be considered in, joined with, or consolidated with the arbitration proceedings between you and us. Any Dispute regarding the prohibitions in the prior sentence shall be resolved by the arbitrator in accordance with these Terms.
You agree that the laws of the State of California, without regard to principles of conflict of laws, will govern these Terms and any claim or Dispute that has arisen or may arise between you and Bento.
You and Bento each agree that any and all Disputes or claims that have arisen or may arise between you and Bento shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this agreement to arbitrate.
The arbitration will be conducted by Judicial Arbitration and Mediation Services, Inc. (“JAMS”) under its Streamlined Arbitration Rules and Procedures of JAMS then in effect. JAMS’ rules are available at www.jamsadr.com. A form for initiating arbitration proceedings is available on JAMS’ website.
The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or Bento may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and Bento subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or Bento, unless the arbitrator requires otherwise.
The arbitrator will decide the substance of all claims in accordance with the laws of the State of California, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving different Users, but is bound by rulings in prior arbitrations involving the same User to the extent required by applicable law. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.
If any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, Bento will be entitled to recover all reasonable costs or expenses (including reasonable attorneys’ fees and expenses) incurred in connection with the enforcement of these Terms.
You agree to defend, indemnify and hold Bento, our parent, affiliates and the officers, directors, agents, joint venturers, employees and suppliers of Bento harmless from any claim or demand (including attorneys’ fees) made or incurred by any third party due to or arising out of your breach of these Terms, your improper use of the Bento Service, and/or your violation of any law or the rights of a third party.
If you have a Dispute with one or more Users, you release Bento (and our parent, our affiliates, and our and their respective officers, directors, agents, joint ventures, employees and suppliers) from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such Disputes. You agree that you will not involve Bento in any litigation or other Dispute arising out of or related to any Transaction, agreement, or arrangement with any User, advertiser or other third party in connection with the Bento Service. If you attempt to do so, (i) you shall pay all costs and attorneys’ fees of Bento and other Bento affiliates and shall provide indemnification as set forth below, and (ii) the jurisdiction for any such litigation or Dispute shall be limited as set forth below. However, nothing in these Terms shall constitute a waiver of any rights, claims or defenses that you may have with respect to a Transaction under the Cardholder Account Agreement, the card association rules or applicable state and federal laws, such as the federal Truth in Lending Act or the Electronic Fund Transfer Act. In entering into this release you expressly waive any protections (whether statutory or otherwise — e.g., California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.
To the extent that any Dispute is contemplated by or covered by the Cardholder Account Agreement, that agreement will supersede this one for the purposes of this Section 11.
IN NO EVENT SHALL WE, OUR PARENT AND AFFILIATES, AND THE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS OF BENTO TECHNOLOGIES, INC., (“BENTO ENTITIES”) BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH OUR WEBSITE, THE BENTO SERVICE, THE BENTO APP OR THESE TERMS, HOWEVER ARISING. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THE LIABILITY OF BENTO-LIMITED ENTITIES TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE AND IN THE AGGREGATE IS LIMITED TO $100. IN ADDITION, TO THE EXTENT PERMITTED BY APPLICABLE LAW BENTO-LIMITED ENTITIES ARE NOT LIABLE, AND YOU AGREE NOT TO HOLD THESE PARTIES RESPONSIBLE, FOR ANY DAMAGES OR LOSSES (INCLUDING, BUT NOT LIMITED TO, LOSS OF MONEY, GOODWILL, OR REPUTATION, PROFITS, OR OTHER INTANGIBLE LOSSES OR ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES) RESULTING DIRECTLY OR INDIRECTLY FROM: (1) YOUR USE OF OR YOUR INABILITY TO USE THE BENTO SERVICE; (2) DELAYS OR DISRUPTIONS IN THE BENTO SERVICE; (3) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING THE BENTO SERVICE OR ANY ASSOCIATED SITE OR SERVICE; (4) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY KIND IN THE BENTO SERVICE; (5) THE CONTENT, ACTIONS, OR INACTIONS OF THIRD PARTIES; (6) A SUSPENSION OR OTHER ACTION TAKEN WITH RESPECT TO YOUR BENTO ACCOUNT; (7) YOUR NEED TO MODIFY PRACTICES, CONTENT, OR BEHAVIOR, OR YOUR LOSS OF OR INABILITY TO DO BUSINESS, AS A RESULT OF CHANGES TO THESE TERMS OR BENTO’S POLICIES. BENTO RESERVES THE RIGHT TO MODIFY ITS POLICIES AND THESE TERMS AT ANY TIME CONSISTENT WITH THE PROVISIONS OUTLINED HEREIN.
THE BENTO SERVICE IS PROVIDED “AS IS,” “AS AVAILABLE” AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. BENTO, AND THE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS OF BENTO, OUR PARENT OR OUR AFFILIATES, (COLLECTIVELY, “BENTO PARTIES”), MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER FOR THE SERVICES OR THE CONTENT, MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE BENTO SERVICE USED ON OR ACCESSED THROUGH THE BENTO SERVICE, OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE BENTO SERVICE. THE BENTO PARTIES DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE BENTO SERVICE WILL BE UNINTERRUPTED OR ERROR FREE. THE BENTO PARTIES SHALL NOT BE RESPONSIBLE FOR ANY SERVICE INTERRUPTIONS, INCLUDING, BUT NOT LIMITED TO, SYSTEM FAILURES OR OTHER INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION OR SETTLEMENT OF PAYMENT TRANSACTIONS OR THE BENTO SERVICE. THE BENTO PARTIES SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
BENTO DOES NOT HAVE ANY CONTROL OVER THE PRODUCTS OR SERVICES THAT ARE PAID FOR WITH THE BENTO SERVICE. BENTO IS NOT RESPONSIBLE FOR THE QUALITY, PERFORMANCE, OR ANY CONSEQUENTIAL RESULTS OF THE PRODUCTS AND OR SERVICES PURCHASED DURING THE TRANSACTIONS. BENTO CANNOT ENSURE THAT A MERCHANT YOU ARE DEALING WITH WILL ACTUALLY COMPLETE THE TRANSACTION OR IS AUTHORIZED TO DO SO. BENTO DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF THE BENTO SERVICE, AND OPERATION OF THE BENTO SERVICE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. BENTO WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS FOR ELECTRONIC DEBITS AND CREDITS INVOLVING BANK ACCOUNTS AND CREDIT CARDS, ARE PROCESSED IN A TIMELY MANNER BUT BENTO MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE PROCESSING BECAUSE THE BENTO SERVICE IS DEPENDENT UPON MANY FACTORS OUTSIDE OF OUR CONTROL, SUCH AS DELAYS IN THE BANKING SYSTEM. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.
These Terms do not amend or otherwise modify your agreement with the issuer of your Payment Instrument, or Third Party Offer, or any other agreement with a third party, and you are responsible for ensuring your use of the Bento Service complies with such agreements. You also are responsible for all charges and/or debits to your Payment Instrument resulting from purchases, redemptions of Third Party Offers using the Bento Service, in accordance with such agreements. In the event of any inconsistency between these Terms and your agreement with the issuer of your Payment Instrument or Third Party Offer, or any other agreement with a third party, these Terms govern the relationship between you and Bento solely with respect to the Bento Service, and your agreement with such third party governs the relationship between you and such third party. You acknowledge and agree that you are solely responsible for the Payment Instrument or Third Party Offer and other information you enter or otherwise store in the Bento Service. Bento is not responsible for the accuracy or availability of any information you enter or otherwise store in the Bento Service, including, without limitation, whether such information is current and up-to-date.
These Terms set forth the entire understanding between you and Bento with respect to the Bento Service. Any other terms which by their nature should survive, will survive the termination of these Terms. Unless stated otherwise in these Terms, if any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or business that opens an account or requests credit.
You may not transfer or assign any rights or obligations you have under these Terms without Bento’s prior written consent. Bento reserves the right to transfer or assign these Terms or any right or obligation under these Terms at any time.
No third party shall have any rights to enforce the Terms.
We, in our sole discretion, may terminate these Terms at any time, with or without cause or notice, other than any notice required by applicable law. The termination of these Terms will not affect any of our rights or your obligations arising under these Terms. Termination of your Bento Account requires closing your Cardholder Account. Bento will inform Issuing Bank, and Issuing Bank will return your remaining balance to you in accordance with the terms set forth in Section 2.4 of these Terms.
Bento does not guarantee and makes no representations that the issuer or the associated payment network of any Payment Instruments you have registered with the Bento Service will honor any standard or promotional benefits (including any purchase protection or insurance) for your purchases using the Bento Service. The issuer and associated payment network of your Payment Instruments will determine whether or not any benefits will apply to purchases made using the Bento Service. Bento is not providing you with any benefits (including purchase protection and insurance) for your use of the Bento Service besides those expressly created by Bento.
By electing to use the Bento Service, you authorize Bento, directly or through the Bento Service to communicate with the issuer of your Payment Instrument, to provide or obtain any information required by that issuer. An issuer that provides this information does not endorse and is not responsible for the Bento Service.
Use of the Bento Service is not approved by, or offered in conjunction with the issuer of your Payment Instrument. Your Payment Instrument issuer may impose fees, Transaction limits, or other limitations.
We may comply with any subpoena, levy, or other legal process which we believe (correctly or otherwise) to be valid. We may notify you of such process electronically, by phone, or in writing. If we are not fully reimbursed for our record research, photocopying, and handling costs by the party that served the legal process, we may charge such costs to you. We may honor any legal process that is served personally, by mail, or by facsimile to us, even if the law requires personal delivery at another location.
In addition to the electronic communications authorized under the Section entitled “Electronic Communications, 8.1” statements, notices and other communications to you may be made by mail, email, postings on the Bento websites or other reasonable means. We may also provide notices of changes to the Terms or other matters by displaying links to notices on the Bento website. Notice to Bento may be made by mail to:
Bento for Business
PO Box 190608
San Francisco, CA 94119
Bento has the right to change any of its third-party service providers, including without limitation the Card Processor, with or without notice that we, in our sole discretion, deem to be reasonable in the circumstances. You agree to cooperate with Bento and any other service providers selected by Bento as reasonably required for Bento or such other service providers to perform services for which it is responsible.
If we fail to enforce any of our rights under the Terms, or applicable laws, it shall not be deemed to constitute a waiver of such right. If any provision is found by a court to be invalid, then the remaining provisions shall remain in full force and effect.
Bento will not be liable for any delays in processing or other nonperformance caused by such events as fires, telecommunications failures, utility failures, power failures, equipment failures, software failures, labor strife, riots, war, terrorist attack, nonperformance of our vendors or suppliers, acts of God, or other causes over which Bento has no reasonable control, and nothing in this section will affect or excuse your liabilities and obligations under these Terms of Service.
To reach Bento by phone or e-mail, please use the following phone number and e-mail address:
As a thank you for carefully reading our Terms of Service, we’d like to reward you by sending you a free Bento t-shirt. Simply email us at email@example.com with subject “free T”, and in your message please include your t-shirt size and your mailing address, and we’ll send you a Bento T-shirt within 2-4 weeks.
“Account Profile” means the location on the Bento Service where you can, after logging in, view and manage your profile, including your personal information, Payment Instrument details, and your Bento Account settings including your notification preferences.
“ACH” means the Automated Clearing House network.
“Affiliates” are companies that are direct or indirect subsidiaries of Bento Technologies, Inc. Inc. or are otherwise related to Bento through common ownership or control.
“Card Processor” means a third-party payment network card (e.g, Visa, MasterCard, Discover or American Express) processor.
“Cardholder Account Agreement” means the terms between you and Issuing Bank.
“Cardholder Account” means the account created on your behalf with a third party banking institution chosen by us, which stores any funds belonging to you.
“Chargeback” means a request that you file directly with your debit or credit card company to invalidate a Transaction.
“Content” means The materials displayed or performed or available on or through the Services, including, but not limited to, text, graphics, data, articles, photos, images, illustrations, User Submissions, and so forth
“Bento Account” means your personalized virtual account to use the Bento Service.
“Bento Card” means a Bento-branded prepaid card issued to you by Issuing Bank.
“Bento Member” means a business or personal user of the Bento Service.
“Bento App” means the application on your computer or mobile device through which you may use the Bento Service.
“Bento Community” means the interactive, user-driven venue to promote products, services, experiences, and best practices for operating small businesses (the “Purpose”). These may include user registration, user participation, public sharing, posting, uploading, linking, downloading, transferring, viewing, submitting or transmitting materials (including, but not limited to graphics, art, video, audio, text, opinions, etc.) and other services or activities that support the Purpose (collectively, “User Community Activities”).
“Bento Service” means the services that allows Users to make and receive payments using a mobile device, the internet or other technologies through which Bento may choose to offer its payment solution from time to time. The Bento Service includes the Bento website, Bento Community, Bento Card Bento App, and any related services to the foregoing.
“Communications” means any Bento Account or Transaction information that Bento provides to you, including: any agreements and policies you agree to, (e.g., these Terms) including updates to these agreements or policies; disclosures and notices, including prospectuses and reports for transaction receipts or confirmations; Bento Account statements and history; and payments authorizations and transaction receipts or confirmations; documents; and any other information related to your Bento Account or the Bento Service.
“Dispute” means a dispute with respect to the Bento Service (excluding Transactions).
“Information” means any confidential and/or personally identifiable information or other information, including but not limited to the following: name, email address, date of birth, tax identification number, billing/shipping address, phone number and financial information.
“Issuing Bank” means the bank that issues you the Bento Card.
“Payment Instrument” means a Cardholder Account, a Registered Bank Account, or the Bento Card.
“Registered Bank Account” means an external bank account that you have registered and authenticated with the Bento Service.
“Third Party Offers” means certain coupons or discounts made available by third parties.
“Transaction” means the use of the Bento Service to instruct a third party to send or receive funds on your behalf for a purpose permitted hereunder.
“User” means any person or entity using the Bento Service including you and other Bento Members.