Website terms of use v4.0

Last updated October 4th 2019
This is where we tell you all about the legal terms and conditions that apply to the use of the gohenry website and our mobile apps (the “gohenry Services”). “gohenry” means gohenry Inc.

It’s important that you read them, because this is where we spell out our responsibilities as website owners, and yours as a website user. By registering with us and using the gohenry Services you are accepting these terms and conditions and are legally bound by them. If you don’t wish to be bound by the terms and conditions, then you shouldn’t use our services.

We may make changes to these terms and conditions at any time. If we do we will post these changes here and they will be effective immediately. Please check regularly so that you are aware of any changes, as once they appear here, if you use the gohenry Services, it means that you accept them.
Your Responsibilities
If you are under eighteen you may only use this site with the agreement of a parent or guardian.

You agree that by providing your email address, your home address and your phone number you are giving us permission to use, in accordance with our Privacy Policy, these as means of communication from us to you.

You warrant that all the information you provide to gohenry for the purpose of registering with us, obtaining a gohenry Card and opening a gohenry account is true, complete and current.

You also warrant that the debit card, or the bank account you use to load the gohenry account is your own, and that there are sufficient funds available to cover your payments.

When you register with us you must choose a password. You are responsible for all actions taken under your password and you must only use the gohenry Services under your own password. It is your responsibility to keep your password safe and to ensure that it is not disclosed to anyone. If you think someone else might know it, you must change it. You must not permit anyone else to use your password.

You agree to have full responsibility for whomever you invite to access and use our Giftlinks feature.

Your child will be able to choose their own password. This must also be kept safe and not disclosed to anyone other than you, as parents or guardian.
Privacy Policy
We take your privacy very seriously. We will not pass on your personal, debit card or bank account details to anyone other than our business partners. For full details of who they are, please see the section on our partners. And for more details of how we protect your privacy please read our Privacy Policy
Payment
Your payments to us go into your gohenry parent account and then onwards to your child’s account or to pay the monthly membership fees. gohenry accepts most major debit cards. When gifting money through our Giftlinks feature always keep in mind our load limits as further described in the “gifting” section of these terms.
Our Fee
We will charge you a monthly fee for each child’s use of the gohenry Services, which includes your child’s account and their gohenry Card. The monthly membership fee will be added on when we give you the total amount you need to pay, and will be deducted automatically every month from the outstanding balance on your parent account. If you have insufficient funds in your gohenry parent account to cover these fees, you authorize us and we reserve the right to debit the amount due from the debit card(s) attached to the parent account.
Changing Your Mind
If you register with us to open an account for your child and then change your mind, please let us know and we will cancel your application. If your child’s gohenry Card has already been sent out, we’ll arrange to cancel the card and refund the balance of your account.
Recommend a Friend
We run a Refer a Friend program under which, if you recommend a friend who then opens and activates a gohenry account for their child, we will credit your account with a gift. From time to time this offer changes and the gift may be either a product or money added to your gohenry parent account.

We can only credit your account for a genuinely new referral; that is, someone who has never registered with us before. You must know the person and you must obtain their agreement before you give us their name. We will contact them by email and if they then choose to open and activate an account with us, we will email you to confirm your gift. It may take up to a week after they have activated their account for this gift to appear in your account.
Gifting
Our Giftlinks feature provides a simple and secure way for children to receive money straight to their gohenry card on special occasions from friends and family.

As a gohenry parent and Primary Account Holder (as defined in our Cardholder Terms and Conditions) you can create a Giftlink invite and share it with anyone you want. Please know that you have full responsibility for whoever accesses and uses our Giftlinks feature so please make sure you only send Giftlink invites to a gifter you trust. For the avoidance of doubt, only a child who is an authorized user of a gohenry account and a “Sub-Account Cardholder” (as defined in our Cardholder Terms and Conditions) established by you, the gohenry parent and “Primary Account Holder,” may receive monetary gifts through our Giftlinks feature.

A Giftlink invite will lead the gifter to a secure web page where they will be able to make a monetary gift to your child (without the need to download the gohenry application).

Anyone with a US debit or credit card may gift money through our Giftlinks feature. Please note that we do not accept prepaid card payments. If you are under 13 and want to gift money please obtain your parents’ approval first. When gifting money through our Giftlinks feature please keep our load limits in mind.

You and your child will be notified when a monetary gift has been made and delivered through our Giftlinks feature. The monetary gift will be delivered to your child’s gohenry card on the gift delivery date. The gift delivery date can be set by you and can be anytime between the day the Giftlink invite is created and the end of the following calendar year.

On the gift delivery date, your child will be able to open (and you will be able to see) the monetary gift and send a thank you message to the gifter.

If you wish to disable a Giftlinks invite you can do so at anytime before the gift delivery date, but please note that any money that has already been gifted will NOT be refunded to the gifter.

For security and regulatory purposes, we impose limits on the Giftlinks feature, including limits on the financial amount to be gifted, as subject to applicable law. The Giftlinks feature can only be used for a single load of funds to a child’s gohenry card. To make subsequent gifts, you will need to make an additional monetary gift. The entire balance of the monetary gift will be transferred on the gift delivery date set by the parents.

If you gift money to a child via our Giftlinks feature, here are the limits you should be aware of:

EventMaximum number of daily loadSingle load limitDaily load limitMonthly load limit
Parent Load (anytime)3$500$600n/a
Relative/Friends Loads during the gohenry child birthday month (a birthday month means the 30 day period before the birthday date and the 5 days period after the birthday date)10$350n/a$750
Relative/Friends Loads outside the gohenry child birthday month3$350n/a$350


The annual maximum amount of received payments is nine hundred ninety nine (999) loads of a total of ten thousand dollars ($10.000). The payments exceeding this daily limit will be rejected
Copyright
All of the content of our website, including the gohenry logo, is owned by us and is protected by US and international copyright laws. Please don’t copy, download or use any of our material for either private or commercial use.
Uploading images and other material
You must not upload, message, transmit or otherwise make available or initiate any content that:

  • Is unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable;
  • Includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  • Infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights.
Questions to our experts and messages on our site
If you post questions for our experts or messages on our blogs or forums you own the copyright to this text. However, by posting text, you grant us unlimited free license to republish that text on our site and to redistribute, make available or sell that text in print or electronic form anywhere in the world as part of an edited compilation or otherwise.
Liability
We can't promise that your access to our site, or its content, will be delivered uninterrupted or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to put in place satisfactory safeguards and procedures to make sure that any material you obtain through our site is free from contaminations or other harmful properties.

We have taken every measure we can to prevent internet fraud and to ensure that any data collected from you is kept safe and secure. However, in the extremely unlikely event of a breach in our secure computer servers, we cannot be held liable. Under no circumstances will we be held liable for any direct, indirect, incidental or other kind of loss or injury resulting from your use, or downloading of any content on our site.
The Legal Side
It is a crime to use a false name or a debit card or bank account that is known to be invalid. If you are caught entering false or fictitious information you will be prosecuted. gohenry tracks the “digital fingerprint” of every person who registers with us, to enable us and all legitimate crime prevention authorities to trace individuals engaged in criminal activities on our website. Please see our Privacy Policy for more information of how and why we do this.

gohenry has the right to end our agreement with you and to suspend or terminate your access to the gohenry services if any of the following occurs:
  • You breach our terms and conditions
  • You fail to make a payment to us that is due
  • You fail to provide, when asked, information to allow us to check your identity or the validity of any information you have given us
  • We suspect you have been or are engaged in fraudulent or illegal activity on gohenry Services


If you break any of these terms and conditions, or if liabilities are incurred as a result of your use of the gohenry Services, you will be responsible for the costs and expenses, including legal fees, that we, or our employees, officers, directors or agents incur as a result. This will include any costs that result if someone else uses your personal information, or your gohenry account, unless you can prove that it has been used fraudulently.
E-Sign Consent
gohenry Inc. and its affiliates and third party service providers (“gohenry”) may need to provide you with certain communications, notices, agreements, billing statements, or disclosures in writing (“Communications”) regarding our products or services (“Services”). Your agreement to this E-sign Consent confirms your ability and consent to receive Communications electronically from gohenry, its affiliates, and its third party service providers, rather than in paper form, and to the use of electronic signatures in our relationship with you (“Consent”). If you choose not to agree to this Consent or you withdraw your consent, we are unable to provide the Services and the Account will be closed.
Electronic Delivery of Communications and Use of Electronic Signatures
Under this Consent, gohenry may provide all Communications electronically by email, by text message, or by making them accessible via gohenry websites or applications. Communications include, but are not limited to:

  • Agreements and policies required to use the Services which can be found in our terms and conditions (e.g. this Consent, the gohenry & CFSB Privacy Policy, the gohenry Cardholder Terms and Conditions, the Website and App Terms of Use; the gohenry Privacy Policy);
  • payment authorizations and transaction receipts or confirmations;
  • account statements and history;
  • and all federal and state tax statements and documents.


We may also use electronic signatures and obtain them from you.
System Requirements
To access and retain the electronic Communications, you will need the following:

  • A computer or mobile device with Internet or mobile connectivity.
  • For website-based Communications, a current web browser that includes 128-bit encryption. Minimum recommended browser standards are Microsoft Internet Explorer (current version), Mozilla Firefox (current version), Apple Safari (current version), or Chrome (current version). The browser must have cookies enabled.
  • For application-based Communications, a mobile phone operating system that supports text messaging, downloads, and applications from the Apple App Store or Google Play store.
  • Access to the email address used to create an account for gohenry Services.
  • Sufficient storage space to save Communications and/or a printer to print them.
  • If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add noreply@gohenrycard.com to your email address book.
Paper Delivery of Communications
You have the right to receive Communications in paper form. To request a paper copy of any Communication at no charge, please write to gohenry, Inc.,WeWork, 54 W. 40th St. New York, NY 10018, USA, Attn: Member Services - Legal (“gohenry Address”) within 180 days of the date of the Disclosure, specifying in detail the Communication you would like to receive.
Withdrawal of Consent to Electronic Communications
You may withdraw your consent to receive electronic Communications at any time, by writing to the gohenry Address. However, withdrawal of your consent to receive electronic Communications will result in termination of your access to Services and your gohenry Account will be closed. Any withdrawal of your consent will be effective after a reasonable period of time for processing your request.
Updating Your Email Address
You can change your email address by writing to the gohenry Address. You can also change your email address yourself through the Services.
Contact Us
If you would like to know more about these terms and conditions, or you need to contact us for any reason, our Member Services Team is normally available from 8am to 5pm EST.

Contact us by emailing help@gohenrycard.com, calling us on our toll free number: (877) 372-6466 or writing to us at:

gohenry Inc
Member Services
WeWork Building
54 W. 40th St.
New York
NY 10018
USA

© gohenry Inc. The gohenry card is issued by Community Federal Saving Bank, member FDIC, pursuant to license by Mastercard International.


Our office is located at 54 W 40th St, New York, NY 10018 USA

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