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Safepay End User Services Agreement

Effective Date: May 9, 2025

Safepay provides a platform (“Platform”) that allows you and other end users to connect your bank accounts and other financial accounts (“Accounts”) with applications or businesses intending to transfer money with you and prevent fraud (“Developers”).
This End User Services Agreement (“Agreement”) is an agreement between you and SafePay, LLC. (“SafePay”, “Forseti”, “we” or “us”). By accepting this Agreement or accessing app.forsetiverify.com or your Forseti profile, you agree to this Agreement and certify that you have all necessary rights to do so. If you are accepting on behalf of your employer or another entity, you represent and warrant that: (i) you have full legal authority to bind your employer or such entity to this Agreement; (ii) you have read and understand this Agreement; and (iii) you agree to this Agreement on behalf of the party that you represent. If you do not have the legal authority to bind your employer or the applicable entity, please do not accept this Agreement or access the features covered by this Agreement.
Please note that this Agreement does not apply to the services we provide to the Developers. Those services are covered by our Developer Terms of Use and other terms.
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Table of Contents

app.forsetiverify.com

You can use app.forsetiverify.com to manage connections between your Accounts and Developers. app.forsetiverify.com is designed to empower you with greater control over your financial data, but the decision to use any App remains yours. Your use of any App and Account, and the App and Account providers’ use of your data, is governed by separate terms between you and the applicable providers. SafePay is not responsible for any Developers or Accounts provided by third parties or the acts or omissions of any third-party providers, and does not guarantee that any Developers or Accounts will remain available or compatible with the Platform.

Forseti Profile Creation

You need to create a profile with Forseti in order to use certain features of the Platform, including certain features of app.forsetiverify.com. You also need to ensure that your information is accurate, complete and up-to-date. You must notify us at [email protected] if you learn of any unauthorized access to or use of your Forseti Profile or breach of a third party account leveraging the same credentials as your Forseti Profile (for example, a password shared between your Forseti account and another login associated with your email address was compromised in a leak from that third party).

Control and Responsibilities

You represent and warrant that you have all necessary rights to use your Accounts and Developers with the Platform, and you agree to comply with all laws and regulations applicable to your use, as well as any rules and guidelines that we post. You must not (1) use or access anyone else’s Accounts or related data, (2) submit information about anyone else’s identity or Accounts or that violates any third-party rights or (3) use the Platform for any fraudulent, illegal or misleading purpose. You also agree not to (a) modify, reverse engineer or seek to gain unauthorized access to the Platform or related systems, data or source code, (b) bypass or circumvent measures designed to prevent or limit access to any part of the Platform, (c) rent, lease, provide access to or sublicense any elements of the Platform to a third party or use the Platform on behalf of or to provide services to third parties, (d) copy, modify or create derivative works of the Platform or remove any of SafePay’s proprietary notices, (e) access the Platform for competitive purposes or publish any benchmark or performance information about the Platform, or (f) use the Platform in any manner that could damage, disable, overburden, or impair the functioning of the Platform or interfere with, disrupt or negatively affect other users.

How SafePay Uses Your Data

Please review our Privacy Policy to learn how SafePay uses data related to your Accounts (e.g., your Account login information and contact information). You should also refer to our Privacy Statement for information about what we collect from the use of our websites. If you have questions, contact us at [email protected].

Rights to the Platform

Note that SafePay owns all rights, title and interest (including intellectual property rights) to the Platform (including app.forsetiverify.com and Forseti Profile features) and our related websites and technology. If you choose to give us feedback, suggestions or other inputs about the Platform, we may use them without restriction.

SafePay does not own rights, title or interest for third party services leveraged by and in the Platform (for example Auth0 SSO logins). These remain the property of the respective owners (in the above example, Okta owns Auth0 and its respective rights, title, and interest).

Third Party Materials

The Platform may display, include, or make available third-party content (including data, information, applications, and other products, services, and/or materials) or provide links to third-party websites or services, including through third- party advertising (“Third-Party Materials”). You acknowledge and agree that SafePay is not responsible for Third-Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect thereof. SafePay does not assume and will not have any liability or responsibility to you or any other person or entity for any Third-Party Materials. Third-Party Materials and links thereto are provided solely as a convenience to you, and you access and use them entirely at your own risk and subject to such third parties’ terms and conditions.

Our Disclaimers

TO THE EXTENT PERMITTED BY LAW, THE PLATFORM (INCLUDING APP.FORSETIVERIFY.COM AND FORSETI PROFILES) IS PROVIDED “AS IS” AND “AS AVAILABLE,” AND ANY USE IS AT YOUR DISCRETION AND RISK. SAFEPAY, ITS AFFILIATES AND ITS AND THEIR SUPPLIERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. SAFEPAY DOES NOT WARRANT THAT USE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY OF YOUR DATA WILL BE ACCURATE OR COMPLETE OR THAT SAFEPAY WILL MAINTAIN ANY DATA WITHOUT LOSS.
Liabilities for our Platform. TO THE EXTENT PERMITTED BY LAW, SAFEPAY, ITS AFFILIATES AND ITS AND THEIR SUPPLIERS WILL NOT BE RESPONSIBLE FOR: (A) ANY LOST PROFITS, LOSS OF USE, LOST OR INACCURATE DATA, FAILURE OF SECURITY MECHANISMS, FINANCIAL LOSSES, OR ANY INDIRECT, SPECIAL, INCIDENTAL, RELIANCE OR CONSEQUENTIAL DAMAGES OF ANY KIND OR (B) ANY DAMAGES OR AMOUNTS EXCEEDING, IN THE AGGREGATE, THE GREATER OF (1) THE AMOUNT YOU PAID US TO USE THE PLATFORM AND (2) ONE HUNDRED U.S. DOLLARS (US $100).

Dispute Resolution

We hope you will have a positive experience using our Platform, but should a dispute between us arise out of or relating to these Terms, we agree to resolve the dispute by following these steps:
  1. We hope you will have a positive experience using our Platform, but should a dispute between us arise out of or relating to these Terms, we agree to resolve the dispute by following these steps:
  2. Send us a notice, according to the Notices section below, describing the dispute and including all relevant facts so we know how to help you.
  3. Within 8 business days after our receipt of your notice, we will reach out to discuss your dispute with you.
  4. If we’re not able to resolve your dispute during our discussion, you will send us a written proposal for resolving your dispute.
  5. Within 15 business days after our receipt of your written proposal, we will let you know whether we agree to your proposal, or we will provide you with a counter-proposal.
After Step 4, it’s up to you to decide whether you’d like to continue to negotiate with us to resolve your dispute, or whether you’d like to pursue a resolution through some other means.
Throughout this process, both you and SafePay agree to negotiate in good faith and according to the terms of this section to resolve the dispute before resorting to litigation or some other form of dispute resolution procedure. All negotiations (including your notice, our discussions, and your and our proposals) pursuant to this section are confidential and treated as compromise and settlement negotiations for the purposes of federal and state rules of evidence and procedure.

Notices

SafePay may provide notices or communications to you through the email associated with your Forseti profile, through app.forsetiverify.com or through other reasonable methods. All notices, requests and other communications to SafePay under this Agreement must be in writing to SafePay, Attn: Legal, 3543 Archgate Ct, Milton, GA 30004,U.S.A. (with a courtesy copy to [email protected] ) and will be deemed given when delivered.

Ending This Agreement

At any time in its discretion, SafePay may terminate or suspend this Agreement (or your use of the Platform) with or without notice and for any or no reason, including if SafePay suspects that you have violated this Agreement. SafePay will have no liability to you for any termination or suspension, nor will such action limit any other rights or remedies SafePay may have. Except for your right to use the Platform, this Agreement will survive any termination.

About This Agreement

This Agreement may not be transferred or assigned by you without SafePay’s prior written consent. SafePay may assign or transfer this Agreement to its affiliates or in connection with a merger, sale, reorganization or other change of control. In addition, SafePay’s affiliates, contractors and service providers may exercise SafePay’s rights or fulfill its obligations under this Agreement. Waivers must be in writing and no waivers will be implied. If any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable for any reason, the remaining provisions will remain unaffected and in full force and effect. This Agreement is the final, complete and exclusive agreement between you and us relating the subject matter of this Agreement and supersedes all prior or contemporaneous understandings and agreements relating to such subject matter, whether oral or written. In this Agreement, headings are for convenience only and the term “including” (and similar terms) will be construed without limitation.



SafePay may modify this Agreement from time to time. Unless we specify otherwise, modifications take effect (and govern future use of the Platform, including app.forsetiverify.com and your Forseti Profile) when we post the modified version. SafePay will use reasonable efforts to notify you of the modifications, and you may be required to agree to the modified version. If you do not agree to the modifications, your sole remedy is to cease using the Platform.