Terms and Conditions

1. Eligibility

Use of the MoneyPal App and access to MoneyPal’s earned wage access services are restricted to individuals who meet all of the following criteria. The user must be at least eighteen (18) years of age or older, which is the age of majority under applicable law. Furthermore, the user must be a legal resident of the United States with valid work authorization documentation and must reside in a state where MoneyPal is authorized to deliver its services under applicable state law. MoneyPal LLC is organized and existing under the laws of the State of Florida and provides its services pursuant to Florida law, subject to applicable federal law and mandatory non-waivable consumer protection laws of the user’s state of residence.

Currently, MoneyPal Advance is available exclusively to residents of the following states: Florida, Texas, Illinois, Arizona, Georgia, North Carolina, Arkansas, Louisiana, Tennessee, Alabama, Idaho, Montana, and Virginia. MoneyPal reserves the right to expand, restrict, suspend, or discontinue service availability in any jurisdiction at its discretion and in accordance with applicable federal and state law. Membership and non-Advance features may be available nationwide, subject to separate product rules and disclosures.

The user must possess a valid and active checking account issued by a federally or state-chartered U.S. financial institution that is legally authorized to operate in the United States and in the user’s state of residence, supports ACH transactions, and is eligible for electronic funds transfers under Regulation E, applicable federal law, and, where applicable, the Florida Money Transmitter Code (Chapter 560, Florida Statutes). This account must be in good standing and not subject to any legal encumbrances or limitations that would prevent successful electronic funds transfer.

Users must also provide accurate and verifiable personal and financial information including, but not limited to, full legal name, residential address, date of birth, Social Security number or other government-issued identification as required by applicable law (including but not limited to F.S. § 560.125 where applicable), employer information, and access credentials for bank account linking through authorized third-party providers who comply with Florida data security requirements under F.S. § 501.171 (Florida Information Protection Act), maintain appropriate cybersecurity measures, comply with applicable federal banking regulations, maintain SOC 2 Type II certification or equivalent industry-standard security certifications, and implement annual security audits and data breach notification protocols consistent with applicable federal and state law.

MoneyPal reserves the right, subject to applicable consumer protection laws including the Florida Deceptive and Unfair Trade Practices Act (FDUTPA), to deny access to its services or suspend an existing account upon at least fifteen (15) days’ prior written notice, should it detect discrepancies, suspicious activity, potential violations of any eligibility requirement, or other activities that may violate applicable anti-fraud statutes (including but not limited to F.S. § 817.001 et seq.) or other applicable state or federal law, except where immediate action is necessary to prevent fraud, comply with regulatory obligations, or protect system security.

MoneyPal may also disqualify any applicant or user who provides inaccurate, misleading, or fraudulent information or who otherwise attempts to circumvent MoneyPal’s identity verification protocols or risk-based assessment tools. Nothing in these Terms shall be construed as a guarantee or entitlement to receive MoneyPal Advance or any other MoneyPal service.

2. MoneyPal Advance

MoneyPal Advance is a core optional feature of the MoneyPal App, designed to provide eligible users with non-recourse earned wage access (“EWA”) in the form of a fixed-sum advance based on income already accrued but not yet paid. This service is structured to provide access to earned wages and, as currently operated, does not constitute a loan, credit facility, or deferred presentment transaction under Florida law, and is not governed by the Truth in Lending Act (TILA) or Chapter 560, Florida Statutes. This classification is based on the current regulatory framework and interpretation of applicable laws, including Florida Office of Financial Regulation guidance on earned wage access programs and CFPB Advisory Opinion 2020-06.

MoneyPal Advance is offered as an earned-wage-access program consistent with CFPB Advisory Opinion 2020-06 and applicable state regulatory guidance. The Service: (i) advances disclosed amounts based on wages already earned but not yet paid, subject to underwriting and in-app limits (including up to forty percent (40%) of estimated net pay and a maximum of four hundred dollars ($400.00) per pay period, as disclosed in the App); (ii) charges only flat delivery or service fees that do not vary with time outstanding; and (iii) collects repayment on or after detection of the user’s next qualifying payroll or recurring-income deposit, as described in the user’s ACH/EFT Repayment Authorization.

MoneyPal Advance is currently available to eligible residents of Florida, Texas, Illinois, Arizona, Georgia, North Carolina, Arkansas, Louisiana, Tennessee, Alabama, Idaho, Montana, and Virginia, subject to applicable federal and state law. While Florida law governs these Terms in the event of conflict as provided in Section 16, MoneyPal will comply with any non-waivable consumer protection requirements of the user’s state of residence.

Based on these structural features, current regulatory guidance, and analysis of applicable Florida statutes and regulations, MoneyPal has determined that the Service is not a “loan,” “credit,” or “deferred-presentment transaction” under Chapter 516 (Florida Consumer Finance Act) or §§ 560.402–.408 (Deferred Presentment). Nothing herein shall be construed to waive any non-waivable protections under applicable state or federal law.

Your Acknowledgment. You agree that each advance constitutes a contractual obligation to repay MoneyPal the principal amount plus the disclosed flat delivery or service fee. Failure to repay constitutes a breach of contract.

Strictly Non-Recourse; Limitation of Remedies. MoneyPal Advance is structured and operated as a strictly non-recourse earned wage access product. In the event of repayment shortfall, including without limitation insufficiency of funds upon scheduled ACH debit, failure of payroll deduction, or any other circumstance resulting in partial or total non-payment of the advance principal and associated fee, MoneyPal shall not, and hereby covenants that it shall not: (a) assign, transfer, convey, or otherwise dispose of any outstanding balance or repayment obligation to any third party, including but not limited to licensed collection agencies, debt purchasers, or debt collectors; (b) sell, factor, securitize, or otherwise monetize any user indebtedness or repayment obligation; or (c) report, furnish, or submit any information regarding repayment activity, delinquency, or default to any consumer reporting agency as defined under the Fair Credit Reporting Act, 15 U.S.C. § 1681a(f), or any credit bureau, credit repository, or similar entity. For the avoidance of doubt, MoneyPal’s sole and exclusive remedies in connection with any repayment shortfall shall be limited to: (i) suspension or termination of the user’s access to future MoneyPal Advance disbursements; and (ii) exercise of set-off rights against any funds lawfully held by MoneyPal for the benefit of the user, to the extent permitted under applicable law including the Florida Uniform Commercial Code and Regulation E. Nothing herein shall be construed to create any obligation on the part of MoneyPal to pursue collection activity, and MoneyPal expressly disclaims any such obligation. The foregoing limitations apply solely to MoneyPal Advance when operated as an earned wage access product and are without prejudice to MoneyPal’s rights under the Regulatory Re-characterization provisions set forth herein.

In addition, if MoneyPal determines, based on reasonable investigation, that a user has engaged in fraudulent or abusive conduct, including but not limited to: initiating a return or chargeback with a financial institution while the repayment obligation remains valid and outstanding; intentionally disconnecting or disabling the linked bank account to avoid an authorized ACH debit; misrepresenting account ownership; or engaging in other suspicious activity intended to evade repayment, MoneyPal may treat such conduct as fraud and may pursue all remedies available under applicable state and federal law, including reporting suspected fraudulent activity to appropriate authorities.

Regulatory Re-characterization. If a court or regulator later determines that MoneyPal Advance constitutes a loan or deferred-presentment product, or if MoneyPal modifies the Service such that it no longer meets EWA criteria, then: MoneyPal will convert outstanding and future advances to a 0% interest, no-fee consumer loan and will provide any disclosures required under the Truth in Lending Act, Chapter 516, Chapter 560, or other applicable law; all principal will remain due as scheduled; and MoneyPal may use all remedies available to a creditor under applicable law. MoneyPal will provide at least fifteen (15) calendar days’ written notice before any such change takes effect unless a shorter period is required by law.

Eligible users may request only one (1) active MoneyPal Advance at a time. Advances are limited by MoneyPal’s proprietary decisioning model and disclosed in-app limits (including one advance per pay period and a maximum of $400 per cycle where applicable). The specific amount for which a user may qualify is determined solely by MoneyPal’s evaluation of transactional cash-flow behavior, deposit patterns, account stability, repayment history (if applicable), and other objective financial indicators derived from user-authorized open banking data.

MoneyPal does not perform traditional FICO-style credit bureau scoring to gate MoneyPal Advance access in its current design. Eligibility is based on income verification and cash flow patterns from the user’s linked financial account(s), not on creditworthiness or credit history alone. Users are solely responsible for connecting their primary and most actively used financial account. If a user connects an account that does not accurately reflect their primary income activity or overall financial movement, eligibility results may be adversely affected. MoneyPal shall not be responsible for denial decisions resulting from incomplete, inactive, secondary, or misrepresented account connections.

The user agrees to pay flat delivery or service fees as consideration for use of MoneyPal Advance. Fees will be clearly and conspicuously disclosed prior to each transaction in accordance with Florida consumer disclosure requirements and other applicable state law. Fees do not vary based on repayment timing or user behavior, except as expressly provided in any optional reward or promotion program disclosed in the App.

MoneyPal does not assess interest, annual percentage rates (APR), late fees, rollover fees, or variable time-based charges. MoneyPal does not perform credit bureau reporting for ordinary repayment activity. All MoneyPal Advance transactions are discretionary, and MoneyPal reserves the right to approve or deny requests based on objective eligibility criteria, compliance requirements, fraud prevention measures, and operational risk controls, consistent with applicable consumer protection laws including FDUTPA and other applicable state statutes.

Use of MoneyPal Advance is entirely optional and must be affirmatively selected and authorized by the user for each disbursement, including acceptance of the Advance Terms and applicable ACH/EFT Repayment Authorization presented in the App.

3. MoneyPal Intelligence

MoneyPal Intelligence offers informational and analytical tools that help users understand their financial behaviors and improve money management. This feature analyzes information obtained from linked external financial accounts, providing personalized reports and suggestions for budgeting and cash flow. Use of MoneyPal Intelligence is entirely optional and may be discontinued by the user at any time, and is not a condition of eligibility for MoneyPal Advance or any other MoneyPal product.

MoneyPal Intelligence is a complimentary and non-binding financial information service provided by MoneyPal as part of the MoneyPal App. Its primary purpose is to empower users with personalized financial data analysis, aiming to improve awareness and understanding of individual spending behaviors, income stability, and overall cash flow management.

MoneyPal Intelligence aggregates and analyzes financial data obtained from user-linked external financial accounts in accordance with Florida Statutes § 501.171 (Florida Information Protection Act), the Gramm-Leach-Bliley Act (GLBA), and other applicable federal and state data protection laws. Through authorized third-party data aggregators operating in compliance with FIPA, federal regulations, and comparable privacy standards in the user’s state of residence, MoneyPal accesses transactional records, balance histories, recurring debits, deposits, and other indicators of financial behavior necessary for service provision.

It is expressly acknowledged by the user that MoneyPal Intelligence is an informational service only and does not constitute legal, tax, investment, financial, or credit counseling advice under Florida law or the law of any other jurisdiction. Users should consult appropriate licensed professionals for advice regarding personal financial decisions. Reliance upon any insights, reports, or suggestions provided through the MoneyPal App is entirely at the user’s discretion and risk.

While MoneyPal endeavors to ensure the accuracy and timeliness of financial insights, no guarantee is made regarding completeness, real-time accuracy, or fitness for any particular purpose. Delays or inaccuracies may occur due to third-party data integration latency or discrepancies in external financial accounts.

Except as otherwise required by Florida law, including but not limited to Florida Statute § 501.211 (FDUTPA), and other applicable state consumer protection statutes, MoneyPal is not liable for decisions made by users based on MoneyPal Intelligence, provided that this limitation does not apply to damages resulting from MoneyPal’s gross negligence, willful misconduct, or violations of applicable law.

MoneyPal reserves the right to modify, suspend, or discontinue MoneyPal Intelligence with reasonable advance notice of at least thirty (30) days, except where immediate changes are required for security, fraud prevention, regulatory compliance, or operational integrity.

4. Data Access and Usage

In order to provide core functionalities such as MoneyPal Advance and MoneyPal Intelligence, the MoneyPal App requires access to user-permissioned financial data through third-party data aggregation services, including but not limited to Plaid Inc. By linking external bank account(s) within the MoneyPal App, the user explicitly consents to the collection, use, processing, and storage of financial data as permitted under Florida law, applicable federal regulations, and non-waivable consumer protection and privacy laws of the user’s state of residence, for purposes including service delivery, eligibility assessment, fraud prevention, underwriting evaluation, compliance verification, risk management, and operational improvement. See our Privacy Policy for additional detail.

Upon granting access, and consistent with the Florida Information Protection Act (F.S. § 501.171), MoneyPal is authorized to retrieve and securely maintain only the financial information reasonably necessary for service provision, including current account balances, transaction histories, deposit and withdrawal activity, recurring obligations, income flow patterns, and associated metadata required to support MoneyPal’s proprietary decisioning and fraud detection processes.

All financial data collection, storage, and retention shall comply with FIPA, federal privacy frameworks including GLBA, Regulation E, and other applicable state data protection requirements. MoneyPal maintains administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit and at rest consistent with Florida Statute § 501.171(2) and industry-standard security practices.

MoneyPal does not sell, lease, rent, or commercially exploit user financial data for money. Data is used solely for internal service provision, compliance obligations, fraud prevention, and lawful operational purposes, except where otherwise required by law or authorized by the user.

Users may revoke consent for ongoing data access at any time by disconnecting linked financial accounts within the MoneyPal App. Upon revocation, MoneyPal will cease retrieving new data; however, previously collected data may continue to be retained and processed in accordance with applicable legal retention requirements, including Florida Administrative Code Rule 69V-560.1012 and other applicable federal or state law.

Requests for permanent data deletion must be submitted in writing and will be processed in accordance with FIPA and other applicable state privacy laws, subject to identity verification, outstanding financial obligations, and mandatory regulatory retention requirements. MoneyPal will respond within forty-five (45) days or such shorter period as required by applicable law.

Use of the MoneyPal App following disclosure of these Terms constitutes acknowledgment and acceptance of the foregoing data access and usage provisions. Users who decline to grant necessary financial data access will not be eligible to use MoneyPal Advance or other features requiring bank integration.

5. Repayment Terms

All MoneyPal Advance disbursements to eligible users are subject to mandatory automatic repayment according to the user’s ACH/EFT Repayment Authorization and Advance Terms. By initiating a MoneyPal Advance, the user agrees and authorizes MoneyPal, through its authorized payment processing partners, to collect repayment using the payment method(s) selected and maintained on file, including but not limited to Automated Clearing House (ACH) debit transactions, in an amount equal to the original advance plus the applicable flat delivery or service fee as disclosed during transaction confirmation. Such authorization is provided in accordance with Regulation E, the Florida Electronic Signature Act (§ 668.50, Florida Statutes), applicable federal electronic funds transfer laws, and other applicable federal and state payment regulations.

Repayment is typically initiated after MoneyPal detects the user’s next qualifying payroll or recurring-income deposit into the designated Repayment Account, unless another schedule is expressly disclosed and authorized in the App. On the scheduled repayment event, MoneyPal will initiate collection through the selected authorized payment method.

The user is solely responsible for ensuring that sufficient funds are available in their designated primary linked account or selected payment method to cover the full repayment amount. Users acknowledge that connecting an inactive, secondary, restricted, or non-primary account may increase the likelihood of repayment failure, denial of future eligibility, or account suspension.

If MoneyPal reasonably determines, following internal review, that a user intentionally connected, substituted, restricted, or disconnected a financial account or payment method for the purpose of avoiding repayment, delaying authorized collection, initiating a chargeback or ACH return dispute while the repayment obligation remains valid and outstanding, or otherwise obstructing lawful collection efforts, such conduct may constitute fraud or deceptive conduct under applicable law, including but not limited to F.S. § 817.001 et seq., FDUTPA, and comparable anti-fraud statutes in the user’s state of residence. MoneyPal reserves the right to investigate such conduct and pursue remedies available under applicable law.

If the available balance in the linked account or authorized payment method is insufficient to satisfy the full repayment amount, MoneyPal may initiate a partial collection up to the available amount and may retry the remaining balance in accordance with NACHA Operating Rules and applicable state law. MoneyPal does not assess interest, compounding fees, rollover charges, or time-based finance charges.

During any period in which an advance remains partially or fully unpaid, the user will not be eligible to receive a new MoneyPal Advance. Access to additional Advance services may be suspended pending resolution of outstanding balances.

MoneyPal does not impose overdraft or nonsufficient funds (NSF) fees. However, financial institutions or card issuers may independently impose such fees. MoneyPal shall not be responsible for bank- or issuer-assessed charges except in cases of gross negligence or willful misconduct.

The user’s continued use of MoneyPal Advance constitutes acceptance of these repayment terms. For questions about repayment or to discuss account options, users may contact MoneyPal at support@moneypalcash.com.

6. User Responsibilities

As a condition of continued use of the MoneyPal App and its associated services, including but not limited to MoneyPal Advance and MoneyPal Intelligence, and in accordance with Florida consumer protection requirements and other applicable federal and state law, all users must fulfill responsibilities designed to ensure the integrity, compliance, and operational reliability of the MoneyPal platform.

Each user agrees to provide accurate, complete, and up-to-date personal information during registration and at all times thereafter. This includes, but is not limited to, legal name, physical address, date of birth, employment status, primary financial institution, and any other information reasonably required by MoneyPal to verify identity, assess eligibility, prevent fraud, and comply with Know Your Customer (KYC), Anti-Money Laundering (AML), and other regulatory obligations under Florida law, including but not limited to F.S. § 560.123, and comparable federal and state requirements.

Users must maintain sufficient available funds in their designated primary linked financial account or authorized payment method beginning at least one (1) business day prior to and continuing through the scheduled repayment window to satisfy any outstanding MoneyPal Advance and associated fee.

Users agree to actively monitor their account activity and notify MoneyPal immediately upon becoming aware of anomalies, unauthorized transactions, chargebacks, ACH disputes, suspicious activity, or potential identity compromise. Failure to provide timely notice may result in service interruption or suspension.

In the event a user anticipates an inability to fulfill repayment obligations due to hardship, the user must contact MoneyPal in advance at support@moneypalcash.com to discuss potential remedies. MoneyPal may, in its discretion and consistent with applicable law, offer temporary accommodations or alternative arrangements where appropriate.

Users agree not to misrepresent income, falsify transaction history, intentionally connect misleading or non-primary accounts, initiate chargebacks or ACH disputes while a valid repayment obligation exists, disconnect authorized payment methods to evade repayment, or otherwise manipulate financial information to deceive MoneyPal’s underwriting or risk assessment systems. Such conduct may constitute fraud or deceptive conduct under F.S. § 817.001 et seq., FDUTPA, the Florida Communications Fraud Act (§ 817.034), the Florida Computer Crimes Act (§ 815.01 et seq.), and comparable statutes in the user’s state of residence. MoneyPal reserves the right to investigate such conduct and pursue lawful remedies.

MoneyPal requires users to communicate changes to linked financial accounts, repayment schedules, or contact information at least three (3) business days prior to any scheduled transaction by submitting written notice to support@moneypalcash.com. Failure to provide timely notice may result in missed payments, account restrictions, or temporary suspension of services.

Failure to comply with these responsibilities may result in temporary or permanent suspension of MoneyPal services, denial of future MoneyPal Advance eligibility, or other lawful remedial action consistent with applicable federal and state law.

7. Authorization for ACH and Electronic Payment Transactions

As a condition of using MoneyPal Advance and related services, the user provides express written authorization, in accordance with Regulation E, the Florida Electronic Signature Act (§ 668.50, Florida Statutes), the Florida Consumer Collection Practices Act (§ 559.55 et seq.), and other applicable federal and state electronic funds transfer laws, for MoneyPal and its designated payment processors to initiate electronic payment transactions using authorized payment methods maintained on file.

Such authorization includes, but is not limited to: ACH debit entries through the Automated Clearing House network; debit card transactions where separately authorized; and re-presentment attempts consistent with NACHA Operating Rules and card network regulations. This authorization applies to collection of principal, flat delivery or service fees, administrative reversals where applicable, refunds, and any disclosed promotional credits where applicable.

The authorization remains in full force until the repayment obligation is satisfied in full or properly revoked in accordance with applicable law. Any revocation request must be submitted in writing with reasonable advance notice and may require establishment of an alternative lawful repayment method.

Users retain rights under Regulation E and applicable state law to dispute unauthorized transactions. However, initiating a chargeback or payment dispute for a valid and authorized MoneyPal Advance repayment obligation may be investigated as potential fraud if evidence suggests intentional evasion of repayment.

All payment processing shall comply with NACHA Operating Rules, card network rules, the Florida Uniform Commercial Code (Chapter 670, Florida Statutes), and other applicable federal and state laws.

The user affirms that they are the lawful holder or authorized user of the financial account or card used for repayment and that such account or card is not subject to legal restriction impairing enforceability of this authorization.

MoneyPal shall not be liable for fees assessed by a user’s bank or card issuer, except in cases of gross negligence or willful misconduct. A backup debit card is not required as a condition of a MoneyPal Advance.

8. Service Availability and Limitations

MoneyPal endeavors to maintain consistent, secure, and uninterrupted access to the MoneyPal App and associated services across all authorized states of operation. However, users acknowledge that service availability may occasionally be delayed, suspended, or disrupted due to maintenance, third-party outages, payment processor interruptions, data aggregation failures, telecommunications issues, or events beyond MoneyPal’s reasonable control, including force majeure events such as natural disasters, governmental action, or system-wide network disruptions.

MoneyPal does not guarantee continuous or error-free operation of the App and does not warrant that all defects will be corrected immediately. Except as required by Florida law or other applicable non-waivable consumer protection statutes, MoneyPal shall not be liable for service interruptions except in cases of gross negligence or willful misconduct.

MoneyPal reserves the right, subject to applicable law and reasonable notice requirements, to modify, suspend, restrict, or discontinue any feature or functionality of the MoneyPal App, including MoneyPal Advance and MoneyPal Intelligence, where necessary for compliance, fraud prevention, operational stability, or risk management.

MoneyPal may refuse or limit advance requests based on eligibility changes, fraud indicators, payment network limitations, regulatory developments, or compliance requirements consistent with federal and state law. Continued use of MoneyPal constitutes acceptance of the operational limitations inherent in digital financial service platforms.

MoneyPal is not a bank and does not hold consumer deposits. Funds movement occurs through linked accounts and payment-service providers (including Plaid and Authorize.Net).

9. Fees and Disclosures

In accordance with Florida Statutes § 501.201 et seq. (FDUTPA), F.S. § 501.0117, and other applicable federal and state consumer protection laws, MoneyPal provides clear, conspicuous, and pre-transactional disclosure of all applicable fees.

Users are presented with a full summary of charges associated with each MoneyPal Advance, including the flat delivery or service fee and selected disbursement method, prior to final authorization.

MoneyPal does not charge interest, APR, compounding fees, rollover fees, late fees, mandatory tips, or time-based finance charges. All MoneyPal Advance fees are flat and disclosed in advance.

MoneyPal shall not be responsible for overdraft or NSF fees imposed independently by financial institutions or card issuers.

Subject to applicable law, MoneyPal reserves the right to update its fee schedule with at least thirty (30) days’ prior notice for material changes.

MoneyPal maintains records of disclosed fees and user acknowledgments for a minimum of five (5) years in accordance with Florida Administrative Code Rule 69V-180.080 and other applicable regulatory retention standards.

9.1 Monthly Membership & Platform Access Fee

(a) Nature of the fee. To access premium in-app functionality, including eligibility evaluation for MoneyPal Advance, enhanced cash-flow analytics, budgeting tools, and MoneyPal Intelligence, users purchase a monthly membership (currently $4.99 per month, the “Membership Fee”). The Membership Fee provides platform access and premium feature availability only and does not guarantee approval for MoneyPal Advance.

(b) Term; cancellation. Membership is billed monthly through the payment method on file (for example, via Authorize.Net). Users may cancel membership in the App; cancellation stops future Membership Fee charges but does not by itself eliminate valid repayment obligations for any outstanding MoneyPal Advance.

(c) Refunds. Membership Fees are non-refundable and non-creditable to the maximum extent permitted by law, except where required by applicable consumer protection statutes.

(d) No finance charge; not a condition of credit. The Membership Fee is not interest, not a finance charge, and is not contingent upon approval amount, repayment timing, or underwriting outcome. Payment of the Membership Fee does not increase likelihood of Advance approval.

(e) How charged. The Membership Fee is charged to the selected payment method at enrollment and each monthly renewal. Applicable taxes are disclosed at checkout.

(f) Effect of denial. If a user is not approved for MoneyPal Advance, premium membership features remain accessible for the remainder of the paid membership period, subject to these Terms.

10. Compliance with Applicable Law

MoneyPal operates in compliance with applicable federal law, the Florida Money Transmitter Code (Chapter 560, Florida Statutes), FDUTPA (F.S. § 501.201 et seq.), the Florida Information Protection Act (F.S. § 501.171), F.S. § 817.001 et seq., and other relevant Florida statutes governing financial services operations. MoneyPal also complies with applicable federal regulations, including but not limited to Regulation E (Electronic Fund Transfer Act), the Gramm-Leach-Bliley Act (GLBA), and applicable card network operating rules.

In addition to Florida law, MoneyPal recognizes and complies with the non-waivable consumer protection, financial services, electronic funds transfer, fraud prevention, and privacy statutes of the user’s state of residence, to the extent such laws apply to the services provided.

Nothing in these Terms and Conditions shall be interpreted to waive, limit, or restrict any non-waivable consumer rights provided under federal law or the law of the user’s state of residence.

MoneyPal maintains policies and procedures designed to ensure regulatory compliance, fraud detection, identity verification, and consumer transparency consistent with applicable federal and state law.

11. Limitation of Liability

To the maximum extent permitted by applicable law, including Florida law and the non-waivable consumer protection statutes of the user’s state of residence, MoneyPal, its affiliates, officers, directors, employees, agents, and service providers shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to use of the MoneyPal App or its services.

MoneyPal’s total cumulative liability for any claim arising under these Terms and Conditions shall not exceed the total amount of fees paid by the user to MoneyPal within the twelve (12) months preceding the event giving rise to the claim.

This limitation shall not apply to damages resulting from MoneyPal’s gross negligence, willful misconduct, fraud, or violations of applicable law that cannot legally be limited or disclaimed.

MoneyPal shall not be liable for damages resulting from third-party service interruptions, payment processor outages, data aggregation failures, banking network disruptions, force majeure events, or acts outside MoneyPal’s reasonable control.

Users acknowledge that MoneyPal Advance provides short-term liquidity and is not intended to replace long-term financial planning. MoneyPal shall not be liable for financial decisions made by users based on use of the platform.

12. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms and Conditions, the MoneyPal App, MoneyPal Advance, MoneyPal Intelligence, Membership Fees, repayment obligations, or any related services shall be resolved through binding arbitration administered in accordance with the rules of the American Arbitration Association (AAA), unless otherwise prohibited by applicable law.

Arbitration shall be conducted on an individual basis and not as a class action, consolidated action, or representative proceeding. Users waive the right to participate in any class action lawsuit or class-wide arbitration against MoneyPal, except where such waiver is prohibited by law.

Arbitration shall take place in the State of Florida; however, where required by applicable law, arbitration may occur in the county of the user’s residence. The arbitrator shall apply the laws of the State of Florida, except that non-waivable consumer protection rights under federal law or the user’s state of residence shall remain enforceable.

Nothing in this section shall prevent a party from seeking injunctive or equitable relief in a court of competent jurisdiction where necessary to prevent fraud, misuse of intellectual property, unauthorized access to systems, or other unlawful conduct.

If any portion of this arbitration provision is found unenforceable under applicable law, the remaining provisions shall remain in full force and effect.

13. Waiver of Claim of Garnishment

To the extent permitted by Florida law and other applicable state and federal law, the user acknowledges and agrees that MoneyPal may exercise lawful collection remedies in the event of a material breach of repayment obligations.

Nothing in these Terms authorizes MoneyPal to engage in unlawful wage garnishment, unlawful account seizure, or any collection practice prohibited by the Florida Consumer Collection Practices Act (F.S. § 559.55 et seq.), the federal Fair Debt Collection Practices Act (FDCPA), or comparable statutes in the user’s state of residence.

Any collection action pursued by MoneyPal shall comply strictly with applicable law, and the user retains all non-waivable rights and protections afforded under federal and state law.

This provision does not constitute a waiver of statutory protections against unlawful garnishment or improper collection practices.

14. Attorney Fees Provision

In the event of a dispute arising from a material breach of these Terms and Conditions, the prevailing party shall be entitled to recover reasonable attorney’s fees and court costs to the extent permitted by applicable Florida law and other applicable state or federal law.

This provision shall not apply in circumstances where attorney fee recovery is prohibited by applicable consumer protection statutes or where such recovery would violate non-waivable rights provided under federal or state law.

Nothing in this section shall be construed to limit a user’s statutory right to recover attorney’s fees where such right is expressly provided by law.

15. Liquidated Damages Clause

In the event that MoneyPal reasonably determines, following internal review and documentation, that a user has engaged in willful fraud, intentional misrepresentation, deliberate chargeback abuse, unauthorized payment disputes while a valid repayment obligation remains outstanding, intentional disconnection or substitution of payment methods to evade repayment, identity falsification, or other deceptive conduct intended to cause financial harm to MoneyPal, MoneyPal may pursue lawful remedies available under applicable federal and state law.

To the extent permitted by Florida law and other applicable state law, and where such conduct results in measurable administrative, investigative, compliance, operational, and payment network dispute costs, MoneyPal may seek recovery of reasonable liquidated damages in an amount not to exceed five hundred dollars ($500) per incident, in addition to any unpaid MoneyPal Advance principal amount and applicable flat delivery or service fee that remains outstanding, representing a reasonable estimate of internal costs associated with fraud investigation, payment network dispute management, compliance reporting, account remediation, and recovery efforts.

The parties acknowledge that actual damages resulting from intentional fraudulent conduct may be difficult to quantify at the time of contracting and that the foregoing amount represents a reasonable pre-estimate of administrative and operational harm and is not intended as a penalty.

This provision shall not apply in cases of good-faith payment disputes, unauthorized transaction claims protected under Regulation E, or situations where the user demonstrates absence of intent to deceive.

Nothing in this section limits MoneyPal’s right to pursue additional remedies where permitted by law, including recovery of actual damages, attorney’s fees where authorized, injunctive relief, or referral to appropriate law enforcement authorities.

16. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. MoneyPal LLC is organized under the laws of the State of Florida, and the parties expressly agree that Florida law governs this agreement and its interpretation.

Notwithstanding the foregoing, any non-waivable consumer protection rights provided under federal law or the law of the user’s state of residence shall remain applicable and enforceable to the extent required by law.

The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

To the extent any provision of these Terms conflicts with mandatory provisions of federal law or the law of the user’s state of residence, such mandatory provisions shall control, and the remaining Terms shall remain in full force and effect.

17. Modifications to Terms

MoneyPal reserves the right to modify, amend, or update these Terms and Conditions at any time to reflect changes in law, regulatory guidance, operational practices, risk management procedures, fee structures, or service functionality.

Material changes will be communicated to users through the MoneyPal App, email notification to the address on file, or other reasonable means consistent with applicable law. Where required by law, MoneyPal will provide advance notice of at least thirty (30) days prior to implementation of material changes affecting user rights or obligations.

Continued use of the MoneyPal App following the effective date of updated Terms constitutes acceptance of the revised Terms and Conditions.

If a user does not agree to any modification, the user must discontinue use of the MoneyPal App and satisfy any outstanding repayment obligations in accordance with these Terms.

Modifications shall be subject to applicable federal and state notice requirements and shall not retroactively impair vested consumer rights.

18. Severability, Waiver, and Survival

If any provision of these Terms and Conditions is determined by a court or arbitrator of competent jurisdiction to be invalid, unlawful, or unenforceable under applicable law, such provision shall be severed from these Terms, and the remaining provisions shall remain in full force and effect.

Failure by MoneyPal to enforce any provision of these Terms shall not constitute a waiver of future enforcement of that or any other provision.

Any waiver of rights must be in writing and signed by an authorized representative of MoneyPal.

Provisions relating to repayment obligations, dispute resolution, arbitration, fraud prevention, limitation of liability, data usage, governing law, and compliance shall survive termination of a user’s account or cessation of service use.

These Terms constitute the entire agreement between the user and MoneyPal with respect to the subject matter herein and supersede any prior agreements or representations, except as supplemented by the Privacy Policy, Advance Terms, and in-app authorizations.

19. Notices, Communications, and Contact Information

MoneyPal may provide notices to users through in-app notifications, email to the address on file, SMS messages where authorized, or other reasonable electronic communication methods consistent with applicable law.

Users agree to maintain accurate and current contact information within the MoneyPal App and acknowledge that failure to update contact information may result in missed communications, including repayment reminders or legal notices.

Any formal notice to MoneyPal regarding disputes, revocation of payment authorization, hardship communication, data deletion requests, or legal correspondence must be submitted in writing to:

MoneyPal LLC
Miami, Florida
Email: support@moneypalcash.com

MoneyPal will respond to consumer inquiries and written communications within a commercially reasonable timeframe consistent with applicable federal and state law.

For general customer support, repayment assistance, or account inquiries, users may contact MoneyPal at support@moneypalcash.com. Privacy requests may be sent to privacy@moneypalcash.com. These communication provisions shall be interpreted in accordance with Florida law and applicable federal electronic communications regulations.

User Acknowledgment

By accessing or using the MoneyPal App, you affirmatively acknowledge and agree that you have read, understood, and consent to be legally bound by the above Terms and Conditions. You acknowledge receiving a copy of these Terms in a form that you can download, save, and retain for your records, as required by the Florida Electronic Signature Act (§ 668.50, Florida Statutes), applicable federal electronic records and signature laws including the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), and other applicable federal and state law. You further confirm that you possess the necessary hardware, software, and electronic access capabilities to review, download, and retain these Terms electronically. You may request a paper copy of these Terms at any time by contacting us at support@moneypalcash.com, and we will provide such copy within five (5) business days or such shorter period as may be required by applicable law.

These Terms constitute a binding agreement between you and MoneyPal LLC and supersede all prior agreements, representations, or understandings, whether written or oral, relating to the subject matter contained herein, except as otherwise provided by applicable federal law, Florida law, and the non-waivable consumer protection laws of your state of residence, including but not limited to the Florida Consumer Collection Practices Act (§ 559.55–559.785), the Florida Deceptive and Unfair Trade Practices Act (§ 501.201 et seq.), F.S. § 817.001 et seq., and other applicable statutes governing financial services, fraud prevention, and consumer protection. Nothing in these Terms shall be construed to waive, limit, or restrict any rights or remedies provided under federal law, Florida law, or other applicable non-waivable consumer protection statutes.

Document ID: TOS-MP-MD-001
Last Updated: February 23, 2026. Previous versions of these Terms from the past 24 months are available upon written request submitted to privacy@moneypalcash.com or to the mailing address provided above, as required by applicable law. Such requests will be fulfilled within ten (10) business days or such shorter period as may be required by law. The Company reserves the right to verify the identity of the requestor through industry-standard authentication methods and to charge a reasonable administrative fee not exceeding $25 per request, which represents the actual cost of retrieval and processing, which will be disclosed to the requestor prior to fulfillment.

© 2026 MoneyPal LLC. All content, features, functionality, source code, databases, user interfaces, and design elements, graphics, logos, button icons, images, audio clips, digital downloads, and data compilations of our services are owned by MoneyPal LLC or its licensors and are protected by United States (including without limitation 17 U.S.C. § 101 et seq. and 35 U.S.C. § 1 et seq.), Florida (including without limitation Fla. Stat. § 495.001 et seq.), and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Any unauthorized use, reproduction, or distribution may result in civil and criminal penalties under applicable federal and Florida state laws. All Rights Reserved. The trademarks, service marks, and logos used and displayed on our services are registered or unregistered trademarks or service marks of MoneyPal LLC or its licensors. Nothing in this Agreement should be construed as granting any license or right to use any trademark without the prior written permission of MoneyPal LLC.