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V3 last updated March 1st, 2018.

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. who provides the GoHenry Services.

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 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.

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.

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.

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, libellous, 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 (e.g. this Consent, the goHenry & CFSB Privacy Policies, the goHenry Cardholder Terms and Conditions, the Website and App Terms of Use);
  • 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 (see http://www.microsoft.com/ie for current version), Mozilla Firefox current version (see http://www.mozilla.com for current version), Apple Safari current version (see http://www.apple.com/safari for current version), or Chrome current version (see http://www.google.com/chrome for 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 9am 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

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