Effective Date: September 12, 2024

ELEKTRA GO APP TERMS OF SERVICE

These ELEKTRA GO App Terms of Service (these “Terms”) set forth the terms and conditions upon which Fraternitas, LLC (“ELEKTRA GO”, “we”, “our”) offers you (“you”, “End-User”), access to our proprietary app (the “App”) and related applications, interactive features, widgets and services provided by ELEKTRA GO in connection with any of the foregoing (the “Services”). By clicking “I Agree” or by accessing or otherwise using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not access or use the App or the Services. ELEKTRA GO is only available for individuals that meet certain eligibility.

1. THIRD PARTIES
   1. Service Providers. We work with several service providers to provide the Services in the App, including, but not limited to, remittance transfers, prepaid card service, and check cashing service. ELEKTRA GO is not a remittance transfer provider, nor a money transmitter. Servicio Uniteller, Inc (“UniTeller”) provides the remittance services for the App (Fraternitas, LLC is a Digital Agent of UniTeller), and their terms of service and privacy policy are available here https://uniteller.com/user-agreement/. and here https://uniteller.com/privacy-policy-us/ If you have any questions, you can contact UniTeller at 1-888-534-6229.
   2. ELEKTRA GO provides the Elektra Go Prepaid Mastercard® service issued by Central Bank of Kansas City, Member FDIC. The Cardholder Agreement and Fee Schedule are available on the ELEKTRA GO app at Profile / Important documents or via the link in the footer of the website at www.elektrago.app.
   3. Third Party Applications and Sites. The App and/or the Services may enable you to use third party applications or services in connection with the use of the App and/or the Services. ELEKTRA GO is not responsible for examining or evaluating, and does not warrant the offerings of, any of these businesses or individuals or the content of their applications or websites. If you choose to utilize any such third-party applications or services, you will be subject to the policies and the terms and conditions of such third parties.
   4. You should carefully review their privacy statements and other terms and conditions of use. ELEKTRA GO’s provision of a link to any other app, website or resource is for your convenience only and does not signify our endorsement of such other app, website, resource, or their respective contents. ELEKTRA GO SHALL NOT BE RESPONSIBLE FOR THE AVAILABILITY OF ANY THIRD-PARTY APPS, WEBSITES OR RESOURCES, AND ELEKTRA GO DOES NOT WARRANT, ENDORSE GUARANTEE OR ASSUME RESPONSIBILITY FOR ANY CONTENT, INFORMATION, SOFTWARE, MATERIALS OR PRACTICES OF ANY SUCH THIRD-PARTY APPS, WEBSITES OR RESOURCES, INCLUDING, WITHOUT LIMITATION, ANY PRODUCTS OR SERVICES ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE APP OR THE SERVICES OR THROUGH ANY LINKED SITES OR FEATURED IN ANY ADVERTISING.


2. REGULATOR INFORMATION DISCLOSURE

   Important information about UniTeller’s money transfer licenses, and how to contact state regulators regarding unresolved complaints or issues related to money transfer services offered by UniTeller, is available on UniTeller’s website at https://uniteller.com/state-disclaimer/ and https://uniteller.com/state-licensing/.
   You can also contact the Consumer Financial Protection Bureau with questions or complaints about UniTeller at:
   1-855-411-2372
   1-855-729-2372 (TTY/TDD)
   www.consumerfinance.gov




3. QUICK TRANSFER APPLICABLE TERMS
   1. Notification of Changes:

      a) Elektra Go is committed to transparency and will notify users of any changes to the terms and conditions related to stored card credentials and future transactions.

      b) Notification will be sent via email to the user’s registered email address at least 30 days prior to the effective date of the changes.

      c) The email will clearly outline the modifications made to the terms and conditions, providing users with sufficient time to review and understand the updates.

      d) Users will be directed to access the updated terms and conditions within the app/website for their reference.

   2. Collection and Use of Stored Card Credentials:

      a) Elektra Go does not automatically store card credentials (“credentials”) but provides users with the option to save them within the app/website for convenient access during future transactions. Elektra Go will only keep a record of the first and last four digits of the credentials.

      b) Upon initiating their first transaction, users will be presented with a clear and explicit choice to save their card credentials securely.

      c) Users must actively consent to saving their card credentials, acknowledging that this information will be securely stored within their account.

      d) Transactions using store card credentials will only be authorized by the end user, ensuring that users have full control over their payment information.

      e) Elektra Go will not initiate transactions using store card credentials on behalf of the user without explicit authorization.

   3. Updating/Canceling store card credentials:

      a) Users retain complete control over their store card credentials and can update or delete them at any time through the app/website settings.

      b) Elektra Go does not have access to or retain users' store card credentials beyond the user's control.

      c) Any updates or changes made to stored card credentials will be reflected immediately, ensuring the accuracy and security of the user's payment information.

   4. Termination of User Account:

      a) Upon termination of the user account, all stored card credentials associated with the account will be promptly deleted.

      b) Users will be reminded to review and remove any saved card credentials before terminating their account to prevent unauthorized access or use.

      c) Elektra Go will not retain or have access to any stored card credentials once the user account is terminated, maintaining the security and privacy of user data.

   5. Disclaimer:

      a) The disclosures regarding stored card credentials apply specifically to external cards saved within the app/website and used to facilitate transactions.

      b) These disclosures are intended to provide users with transparency and clarity regarding the storage and use of their payment information within the platform.

      c) Users are encouraged to review the terms and conditions related to stored card credentials carefully and contact Elektra Go with any questions or concerns regarding their implementation or implications.

   6. Transaction cancellation:

      a) For remittance transfers made through UniTeller, you have the right to cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For further details on how to cancel a transaction, please visit: the Cancellations and Refunds section available at: https://uniteller.com/user-agreement/

      b) For questions or complaints about UniTeller, refer to the name and contact information of the State Banking Department (toll free number and website/email data) referenced on your receipt or contact the Consumer Financial Protection Bureau: 1-855-411-2372 / 1-855-729-2372 (TTY/TDD) www.consumerfinance.gov.

   7. Security Measures:

      a) Elektra Go implements robust security measures to safeguard stored card credentials and protect user data from unauthorized access, use, or disclosure.

      b) All stored card credentials are encrypted using industry-standard encryption protocols to ensure their confidentiality and integrity.

      c) Users are encouraged to use strong, unique passwords and enable additional security features such as two-factor authentication to enhance the security of their accounts.

   8. Liability and Indemnification:

      a) Elektra Go assumes no liability for any unauthorized access, use, or disclosure of stored card credentials resulting from user negligence or failure to comply with security measures.

      b) Users are solely responsible for safeguarding their account credentials and ensuring the security of their stored card credentials.

      c) Users agree to indemnify and hold Elektra Go harmless against any claims, damages, or losses arising from unauthorized access or use of their stored card credentials.

   9. Third-Party Services:

      a) Elektra Go may utilize third-party payment processors or service providers to facilitate transactions and manage stored card credentials.

      b) Users acknowledge and agree that third-party services may have their own terms and conditions and privacy policies governing the use of stored card credentials.

      c) Elektra Go is not responsible for the actions or policies of third-party service providers and encourages users to review their terms and conditions and privacy policies.

   10. User Responsibility:

       a) Users are solely responsible for maintaining the confidentiality of their account credentials, including any stored card information.

       b) Users agree not to share their account credentials or permit unauthorized access to their stored card credentials.

       c) Elektra Go shall not be liable for any unauthorized transactions or misuse of stored card credentials resulting from user negligence or failure to comply with security measures.

   11. Privacy Policy Integration:

       a) The collection, storage, and use of stored card credentials are subject to the terms outlined in Elektra Go's Privacy Policy.

       b) Users are encouraged to review the Privacy Policy to understand how their personal information, including stored card credentials, is collected, processed, and protected.

   12. Data Retention:

       a) Elektra Go will retain stored card credentials for as long as necessary to fulfill the purposes outlined in these Terms & Conditions or as required by law.

       b) Upon termination of the user account or upon user request, Elektra Go will securely delete stored card credentials in accordance with its data retention policies.

       c) We may collect and disclose personal information to third parties as explained in our Privacy Policy Statement. To get a copy, visit the Important Documents section within the App or at https://elektrago.app/. We collect personal information, for example, when You transact with us (e.g., using the Services) and other companies; submit information on applications, forms, and by other means; use or visit our or other apps or online sites; enter a promotion; or register for communications. We also collect information from many sources and may collect, track, and combine information across devices, platforms, and channels. Information disclosed may include financial data, contact information, identification, computer, mobile device, and social network information. Recipients may include financial and non-financial companies, service providers, government agencies, and direct marketers. You may direct us to limit certain disclosures, and Your choice will apply until You change Your choice, or we delete Your data. To limit disclosures (opt out), email us at [email protected]. Your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transactions and accounts including those in anti-money laundering, anti-terrorist financing, and other laws applicable to us. Otherwise, we will retain your information only if necessary for the specific purposes for which it was collected, or to resolve any query you may raise. We subscribe to data minimization principles and strive to retain information for no longer than necessary for the purpose(s) for which it was obtained.

   13. Financial Responsibility:

       a) Users are responsible for ensuring the accuracy and completeness of their stored card credentials, including verifying the validity of payment information.

       b) Elektra Go shall not be liable for any financial losses or damages arising from inaccurate, outdated, or incomplete stored card credentials.

   14. Account Recovery:

       a) In the event of account suspension, termination, or loss of access, users may request assistance from Elektra Go to recover their account credentials.

       b) Users must provide sufficient verification of identity to initiate the account recovery process, which may include additional security measures to protect against unauthorized access.

   15. Consent for Transaction Initiations:

       a) Users acknowledge and consent to the initiation of transactions using stored card credentials, whether initiated by themselves or authorized parties acting on their behalf.

       b) Elektra Go reserves the right to verify the authenticity and authorization of transactions initiated using stored card credentials to prevent fraud or unauthorized use.

   16. Amendments to Stored Credential Terms:

       a) Elektra Go may update or amend the terms and conditions related to stored card credentials from time to time to reflect changes in technology, regulations, or best business practices.

       b) Users will be notified of any amendments to the stored credential terms in accordance with the Notification of Changes section outlined above.

   17. Severability:

       a) If any provision of these Terms & Conditions related to stored card credentials is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

       b) The invalid or unenforceable provision shall be replaced with a valid and enforceable provision that most closely reflects the intent of the original provision.

4. REMITTANCE TRANSFER ERROR DISPUTE AND CANCELLATION
   For remittance transfers made through UniTeller, you have the right to cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.
   You have a right to dispute errors in your transaction. If you think there is an error, contact UniTeller within 180 days at 1-800-456-3492 or www.uniteller.com. You can also contact UniTeller for a written explanation of your rights.
   For further details on error resolutions or how to cancel a transaction please visit: the Cancellations and Refunds section available at https://uniteller.com/user-agreement/.
   For questions or complaints about UniTeller, refer to the name and contact information of the State Banking Department (toll-free number and website/email data) referenced on your receipt or contact Consumer Financial Protection Bureau: 1-855-411-2372 / 1-855-729-2372 (TTY/TDD) www.consumerfinance.gov.
   
   
5. LICENSE; RESERVATION OF RIGHTS
   
   1. Limited License to Use the App. Subject to your compliance with these Terms, we hereby grant you a limited, personal, non-exclusive, non-transferable, license to use the App solely for your own personal purposes in accordance with these Terms. Except for the licenses and rights expressly granted under these Terms, no licenses or rights are granted to you hereunder, and ELEKTRA GO reserves all such other licenses and rights.
   
   
   2. Ability to Modify Terms; Additional Terms. We may change these Terms or modify or discontinue the App or a portion of the App or the Services and functionality from time to time. If we change these Terms, we will post the revised Terms on the App. Your continued use of the App after any such revisions constitutes your agreement to such revised Terms. Additional terms and conditions may apply to certain portions or features of the Services (“Additional Terms”). Where Additional Terms apply to a particular portion or feature of the Services, we will make them available for you to read through your use of the Services. By using the Services, you agree to the Additional Terms.
   
   
   3. E-Sign Disclosure & Consent Notice. Federal laws and regulations require us to give you certain disclosures when you use the App. You hereby consent to receive all information regarding the App and the Services (including disclosures, notices, Cardholder Agreements, statements and other communications) electronically. Upon your request, we will provide a copy of any such disclosures in paper-based form. We may contact you via text to your mobile phone number associated with your account, email associated with your account, or notifications from our App. Delivery by any of these means will constitute proper notice to you under applicable law. We are not responsible for any delay or failure in your receipt of the email or text notices and whether or not you choose to view the communication, subject to your right to revoke your consent to receive communications electronically.
   
   
   4. Your Right to Revoke Consent. Because we communicate electronically, you must provide your consent to receive communications electronically in order to establish an account and use our App and the Services. You may withdraw your consent to receive all communications electronically by contacting us. If you fail to provide, or if you withdraw, your consent to receive communications electronically, we will decline to establish an account for you, or we will terminate, suspend or decline to provide the App and the Services, unless you are entitled by applicable law to receive non-electronic communications.
   
   
   5. Reservation of Rights. The App and Services does not allow for communications to be provided in paper format or through other non-electronic means. However, we reserve the right to provide you with any communication in writing, rather than electronically. You agree to maintain on file with us your current street address and to promptly update your address in the event it changes by updating your account. Although we may waive our fee for delivery of paper communications, we reserve the right to charge a communication request fee and to increase this fee in our discretion.
   
   
   6. Registration. All End-Users are required to create an ELEKTRA GO account in order to use the App and the Services. You represent and warrant (i) you are allowed to enter into legally binding contracts (i.e. can legally enter into a contract in the jurisdiction where you’re located), you are authorized to register for an account, and you will comply with these Terms, (ii) you will keep your account credentials and passwords confidential, and shall be responsible for any use of the App via your account, and (iii) you have the right to provide the End-User Content (as defined below) via the App. You are solely responsible for safeguarding your password and for restricting access to the App from your compatible devices or through remote access. You must immediately notify us of any unauthorized use of your password or account credentials or any other breach of security of your account.
   
   
   7. Other License Restrictions. You shall not (i) copy or modify the App for any purpose; (ii) reverse engineer, decompile, modify, translate, disassemble or discover the source code for all or any portion of the App; or (iii) distribute, disclose, market, rent, lease or otherwise transfer the App to any other person or entity.
   
   
   8. Intellectual Property Rights. We retain all intellectual property rights in and to the App and the Services and all related documentation (including, without limitation, all copyrights, patents, service marks, trademarks and other intellectual property rights), including but not limited to any and all updates, enhancements, customizations, revisions, modifications, future releases and any other changes thereto, and all related information, material and documentation. Except for rights specifically provided in these Terms, you hereby assign to us all other intellectual property rights you may now or hereafter possess in the App and related documentation, and all derivative works and improvements thereof, and agree to execute all documents, and take all actions, that may be necessary to confirm such rights. You also agree to retain all proprietary marks, legends and patent and copyright notices that appear on the App and any related documentation delivered to you by ELEKTRA GO and all copies thereof.
   
   
   9. End-User Content. “End-User Content” means data, images or other content uploaded via the App or otherwise used in connection with your use of the App or the Services. You shall own and continue to own all right, title and interest in and to the End-User Content. You hereby grant ELEKTRA GO a royalty-free worldwide license to use the End-User Content solely in connection with the use thereof through the App and the Services.
   
   
   10. Security. We have implemented technical and organizational measures designed to protect your personal information from unauthorized access, use, alteration, or disclosure. However, we do not guarantee that unauthorized third parties will never be able to circumvent such measures or use your personal information for improper purposes. You provide your personal information at your own risk.
   
   
6. WARRANTIES AND LIMITATIONS OF LIABILITY
   
   1. Warranties. ELEKTRA GO warrants that it will use commercially reasonable efforts to cause the App to operate in substantial conformance with its published documentation. Our sole obligation and your sole remedy with respect to any failure of the App to substantially conform to the documentation is for us to use commercially reasonable efforts to remedy any such failure as soon as is reasonably practicable, and if such failure is not remedied in a reasonable time, for End-User to terminate these Terms pursuant to the License; Reservation of Rights Section of this Terms of Service.
   
   
   2. Warranty Disclaimer. EXCEPT AS SET FORTH IN WARRANTIES AND LIMITATIONS OF LIABILITY SECTION, ELEKTRA GO DISCLAIMS ANY AND ALL WARRANTIES RELATING TO THE APP, THE SERVICES, AND ANY OTHER MATTER COVERED BY THESE TERMS, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ELEKTRA GO DOES NOT WARRANT THAT THE APP OR SERVICES WILL OPERATE WITHOUT INTERRUPTION OR DELAY AND/OR BE ERROR FREE, OR THAT ALL FAILURES OF THE APP OR SERVICES TO CONFORM TO THE DOCUMENTATION CAN OR WILL BE CORRECTED. ELEKTRA GO MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF ANY CONTENT PROCESSED VIA THE APP.
   
   
   3. Limitations of Liability. IN NO EVENT SHALL ELEKTRA GO BE LIABLE FOR LOST PROFITS OR BUSINESS, LOSS OF GOODWILL, LOSS OF DATA, INTERRUPTION OF BUSINESS, OR FOR ANY EXEMPLARY, PUNITIVE, SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, REGARDLESS OF WHETHER SUCH DAMAGES ARISE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE AND REGARDLESS OF WHETHER SUCH PARTY IS ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. ELEKTRA GO’s aggregate liability for any and all claims arising under or in connection with these Terms or its subject matter shall not exceed $500.00 (Five Hundred 00/100 Dollars).
   
   
7. INDEMNIFICATION; UNAUTHORIZED USE
   
   1. Indemnification. You hereby agree to indemnify and hold harmless ELEKTRA GO from any and all damages, costs and expenses (including, without limitation, reasonable attorneys’ fees) suffered or incurred by ELEKTRA GO in connection with any claims that ELEKTRA GO is required to pay to third parties to the extent such damages, settlement amounts, costs and expenses are attributable to your provision of the End User Content, including any actual or alleged violations of third party intellectual property by such End-User Content.
   
   
   2. Notification of Unauthorized Use. You shall promptly notify ELEKTRA GO in writing upon your discovery of any unauthorized use or infringement of the App or the Services or documentation, or ELEKTRA GO’s intellectual property rights with respect thereto. ELEKTRA GO shall have the sole and exclusive right to bring an infringement action or proceeding against any infringing third party, and, in the event that ELEKTRA GO brings such an action or proceeding, End-User shall cooperate and provide full information and assistance to ELEKTRA GO and its counsel in connection with any such action or proceeding.
   
   
8. TERM AND TERMINATION
   
   1. Term. Your access to the App and Services shall begin on the date you register for an account and accept these Terms, and shall continue until terminated earlier under the provisions of this Term and Termination section.
   
   
   2. Termination for Convenience. ELEKTRA GO may terminate your use of the App at any time. You may terminate this Agreement at any time by canceling your account and uninstalling the App.
   
   
   3. Effect of Termination. Upon the expiration or sooner termination of these Terms, all End-User license rights under these Terms shall automatically and immediately cease, and you shall promptly cease all use of and uninstall the App. Sections 1, 5, 6, 7 and 9 shall survive the expiration or earlier termination of these Terms.
   
   
9. PRIVACY POLICY
   

   Privacy Policy. You acknowledge and agree that your access to and use of the App is subject to ELEKTRA GO’s privacy policy located at www.elektrago.app (the “Privacy Policy”), which is incorporated herein. Consistent with the Privacy Policy, the App may keep track of certain transaction details (and provide such information to our third party payment processor), usage of certain features, performance and usage data, information and statistics to be retained and used by ELEKTRA GO on an aggregated or anonymous basis for purposes of providing the Services via the App, to insure quality control, to plan for future upgrades, and in connection with advertising, marketing, developing, maintaining, improving, offering and delivering our current and future products and services.

10. GENERAL
    
    1. Export Compliance. The App may be subject to U.S. and other national export controls and economic sanctions. The rights and obligations of End-User shall be subject to such United States laws and regulations as shall from time to time govern the license and delivery of technology abroad by persons subject to the jurisdiction of the United States, including the Export Administration Act of 1979, as amended, any successor legislation to the Export Administration Act of 1979, and the Export Administration regulations issued by the Department of Commerce, International Trade Administration, Office of Export Administration. End-User shall indemnify and hold harmless ELEKTRA GO from and against any and all losses, claims and expenses incurred by ELEKTRA GO as a result of the breach of End-User's obligations under this Section.
    
    
    2. Independent Contractors. In making and performing these Terms, the parties are acting and shall act as independent contractors. Neither party is, nor will be deemed to be, an agent, legal representative, joint venturer or partner of the other party for any purpose.
    
    
    3. Force Majeure. In the event that ELEKTRA GO is unable to perform its obligations under these Terms because of acts of God, strikes, equipment or transmission failure, unavailability or poor performance of the Internet, or other causes reasonably beyond its control, ELEKTRA GO shall not be liable to you for any damages resulting from such failure to perform or otherwise from such causes.
    
    
    4. Governing Law. These Terms and its subject matter shall be governed in accordance with the laws of the State of Texas, without reference to its conflict of laws principles. You agree that the federal or state courts sitting in Harris County, Texas shall be the exclusive courts of jurisdiction and venue for any litigation, special proceeding or other proceeding as between the parties that may be brought, or arise out of, or in connection with, or by reason of these Terms. The United Nations Convention on Contracts for the International Sale of Goods is expressly disclaimed.
    
    
    5. Assignment. End-User may not assign any of its rights or privileges, or delegate any of its duties or obligations hereunder to any third party without ELEKTRA GO’s prior written consent. Any purported assignment in contravention of this Section shall be null and void. Subject to the foregoing, these Terms shall be binding upon and inure to the benefit of the parties hereto and their respective permitted successors and assigns.
    
    
    6. Notices. AAll notices and other communications hereunder shall be in writing and shall be deemed effective when delivered by hand, reputable overnight delivery service, or certified mail (return receipt requested), or by mail at Fraternitas, LLC - 5525 N MacArthur Blvd, Suite 575, Irving, TX 75038.
    
    
    7. Entire Agreement; Amendment. TThese Terms constitute the entire agreement between the parties concerning the subject matter hereof and supersedes all prior understandings and agreements between the parties, whether written or oral, regarding the subject matter hereof. These Terms may not be amended, supplemented or otherwise modified except by an instrument in writing signed by both parties and attached hereto.
    
    
    8. Waivers. A waiver by either party of a breach or violation of any provision of these Terms will not constitute or be construed as a waiver of any subsequent breach or violation of that provision or as a waiver of any breach or violation of any other provision of these Terms.
    
    
11. USA PATRIOT Act
    

    USA PATRIOT Act Section 326 - Customer Identification Program IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT OR ESTABLISHING A NEW CUSTOMER RELATIONSHIP

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all U.S. financial institutions to obtain, verify, and record information that identifies each individual or legal entity that opens an account or establishes a customer relationship. Federal law also requires all U.S. financial institutions to obtain, verify, and record information that identifies the beneficial owners of a legal entity that opens an account or establishes a customer relationship.

    What this means for you: If you enter a new customer relationship we will ask for your name, address, date of birth (as applicable) and other identification information. In addition, if you enter a new customer relationship on behalf of a legal entity, we will ask for the names, addresses, dates of birth and other identification information of the beneficial owners of the legal entity. This information will be used to verify your identity and, in the case of a legal entity customer, the identity of the beneficial owners. As appropriate, we may, in discretion, ask for additional documentation or information. If all required documentation or information is not provided, we may be unable to open an account or establish a relationship with you.

12. ElektraGo SMS
    
    1. Elektra Go is a digital application designed to provide to the users: (i) the capability to send money and; (ii) an Elektra Go Prepaid Mastercard. Elektra Go users will be able to receive the following kind of messages that include recurring offers, transactional SMS/text alerts, and one-time text offers.
    
    
    2. You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again if you send “START” to the onboarding message.
    
    
    3. If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at 1-888-534-6229 and/or [email protected]
    
    
    4. Carriers are not liable for delayed or undelivered messages.
    
    
    5. As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive a message for every money transfer transaction that you perform and for promotions, limited or recurrent, that you sign on. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
    
    
    6. You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Elektra Go or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
    
    
    7. If you have any questions regarding privacy, please read our privacy policy: https://elektrago.app/Documents/PPEG
    
    
    8. Message frequency varies.
    
    

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