# ether.fi Cash Corporate Authorized User Terms

Last updated:   October 3, 2025\\

These Ether.Fi Cash Corporate Spend Card Authorized User Terms (“Authorized User Terms”) are between you (“you” or “your”), Ether.Fi (“Ether.Fi”, “we” or “us”), and Issuer (defined below) and governs your access to and use of the Ether.Fi Card and Card Services. These Authorized User Terms are incorporated by reference into the Card Terms and Ether.Fi Terms of Use.   \\

1. Definitions
2. “Card Services” means the ancillary services provided by Issuer and/or Ether.Fi that facilitate your use of the Ether.Fi Card and Card Account.
3. “Card Terms” means the Ether.Fi Spend Card Terms entered into between Company, Ether.Fi, and Issuer.&#x20;
4. “Company” means the company that is applying for or has opened a Ether.Fi Account to use the Ether.Fi Card Services, and is providing you access to these Card Services.&#x20;
5. “Company Administrator” means an individual at Company with the authority to grant you access to a Ether.Fi Card and Card Services.&#x20;
6. “Ether.Fi Card” means the Spend Card made available to you by a Company Administrator and which is linked to an Account Holder’s Ether.Fi Wallet.&#x20;
7. “User” means you, an individual authorized to use the Ether.Fi Card and Card Services on Company’s behalf.&#x20;

Capitalized terms that are not defined here have the definitions provided in the Card Terms and/or Ether.Fi Agreement.

2. Background

The Ether.Fi Card (“Ether.Fi Card”) is a business card issued to the Company under the Card Terms. The Ether.Fi Card is issued by Third National (“Issuer”).

You understand that you have access to the Card Services only to the extent authorized, and for the sole beneﬁt of, the Company. You understand that the Ether.Fi Card is not for personal use and that Ether.Fi does not directly provide the Card Services to you. You understand that Company is responsible for your compliance with the Ether.Fi Card Terms and that both you and Company are responsible for your compliance with this Authorized User Terms. You acknowledge that the Company is a beneﬁciary of this Authorized User Terms. You also consent to receive all communications from Ether.Fi electronically as described in the Authorized User Terms. By using the Card Services available to you under Company’s Ether.Fi Account, you consent to and agree to this Authorized User Terms. This Authorized User Terms is part of, and incorporated by reference into, the Ether.Fi Card Terms and the Ether.Fi Terms of Use. You agree to abide by the terms of the Card Terms, these Authorized User Terms, the Ether.Fi Agreement, all applicable law, and Card Network rules in connection with your use of the Company’s Ether.Fi Card Account and Card Services.

Ether.Fi reserves the right to amend these Authorized User Terms or impose additional obligations or restrictions on you at any time. We will use commercially reasonable efforts to notify you in advance of any changes that impose material obligations on you. Notwithstanding the foregoing, by continuing to use the Card Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when these Authorized User Terms were last updated.

Prior to using the Ether.Fi Card and Services on behalf of the Company, you will need a Company Administrator to add you as an authorized user via the Ether.Fi platform and provide you access to the Ether.Fi Card Account.\\

3. Eligibility

By using the Ether.Fi Card and Card Services you represent and warrant in your individual capacity that:

1. You are not a person who is blocked or sanctioned by the United States Government, including those identiﬁed by the United States Oﬃce of Foreign Asset Controls (OFAC).
2. You are an employee, contractor, or agent aﬃliated with and authorized to use the Ether.Fi Card and Card Services on Company’s behalf.
3. You will use the Ether.Fi Card and Ether.Fi Services exclusively for purposes permitted by the Ether.Fi Card Terms, Ether.Fi Terms of Service and the Ether.Fi Privacy Policy.&#x20;
4. All information you provide to us, either directly or through a Company Administrator, is and will be true, correct, and complete.
5. You will not use the Card for personal, family, or household use.
6. You have reviewed the Card Terms, these Authorized User Terms, and the Ether.Fi Terms of Use and Ether.Fi Privacy Policy.

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4. Access to the Ether.Fi Card and Card Services

You may access the Ether.Fi Card and Card Services only to the extent and only as long as you are authorized to do so by the Company and us. We or the Company may limit or terminate your access to any of the foregoing at any time, without notice. You agree not to circumvent or attempt to circumvent the security of the Ether.Fi Card and Card Services for any purpose, including to gain access to any services to which you are not authorized.

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5. Electronic Signature

You acknowledge and consent to the Ether.Fi E-Sign and Electronic Communications Notice.

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6. Use of your Personal Information

To use the Card Services, you may be required to provide your personal data (including, for example, your name, email address, and date of birth) to the Company Administrator, the Company, or us. You acknowledge and agree that you have authorized the Company and/or the Company Administrator to share your personal data with Ether.Fi. You agree that you have provided the Company and/or the Company Administrator with personal data that is true, complete, and correct. We will use your personal data to – among other permitted uses under Ether.Fi’s Privacy Policy – verify your identity, verify that you are not a person who is blocked or sanctioned by the United States Government, including those identiﬁed by the United States Department of Treasury’s Oﬃce of Foreign Assets Control (OFAC) and other conﬁrm that you are eligible to use a Ether.Fi Card.

You acknowledge that you have read Ether.Fi’s [Privacy Policy](https://etherfi.gitbook.io/etherfi/ether.fi-legal/privacy-policy) and understand how Ether.Fi may collect, use, and share your personal data. By using the Ether.Fi Card and Card Services, you agree that we may use your personal data in accordance with this Authorized User Terms and the Ether.Fi Privacy Policy.

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7. Use of the Ether.Fi Card and Card Services.

You acknowledge and agree that you have read and understood the [Ether.Fi Prohibited Activities List](https://etherfi.gitbook.io/etherfi/ether.fi-legal/ether.fi-prohibited-activities-list) and that you will at all times comply with the Ether.Fi Prohibitions at all times when using the Ether.Fi Card and Card Services.

You acknowledge and agree that you will not use the Ether.Fi Card and Card Services: (1) for any expense which is not a business expense incurred by you related to or for the beneﬁt of the Company; (2) for any purpose prohibited by the Ether.Fi Terms of Use or the Card Terms; (3) for, with, or for the beneﬁt of any individual or entity who is blocked or sanctioned by the United States, including those identiﬁed by the United States Department of Treasury’s Oﬃce of Foreign Assets Control (OFAC); or (4) for personal, family, or household use.

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8. Security and Safeguards

You will use all reasonable means to protect your Ether.Fi Card and log-in credentials to the Ether.Fi Account from unauthorized use. You will not allow any other person or third party to use the Ether.Fi Card and Card Services. You will immediately notify Ether.Fi at <support@ether.fi>  you know or suspect that access to your Ether.Fi Account has been compromised or if your Ether.Fi Card has been lost, stolen, or compromised in any way.

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9. Communications

Ether.Fi has an established business relationship with the Company. You will receive notices to the email and mobile numbers provided to Ether.Fi by you or Company. These notices may include push notiﬁcations, and text or SMS messages providing information or alerts about Card Services, the Card, or transactions, and may allow you to provide information back to Ether.Fi (such as sending a receipt from a transaction). You may elect to not receive certain notices through the Ether.Fi Account, but doing so will limit the use of certain Card Services and may increase the ﬁnancial risks to Company.

You are required to maintain an updated web browser and computer and mobile device operating systems to receive notices correctly. You are responsible for all costs imposed by internet or mobile service providers for sending or receiving Notices electronically. You consent to receiving notices electronically to your mobile device and understand that this consent has the same legal effect as a physical signature. If you wish to revoke this consent, please notify your Company Administrator.

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10\. Commercial Use Only

Company’s Ether.Fi Card Account is commercial in nature, and you acknowledge and understand that certain consumer protection laws (including the Electronic Funds Transfer Act or Regulation E) and consumer-speciﬁc rules (including NACHA rules speciﬁc to consumers) do not apply to transactions on Company’s Ether.Fi Card Account or your use of the Card Services.

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11. Suspension and Termination

Ether.Fi may suspend or terminate your access to Company’s Ether.Fi Account or the Card Services at any time and for any reason, in our sole and absolute discretion, without prior notice, including if directed by Company, Company Administrator or Issuer. In the event that the Ether.Fi Card Terms and/or Terms of Use with Company is terminated, these Authorized User Terms will immediately terminate (other than sections giving rise to continued obligations of the parties that survive termination).\\

12. Limitation of Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE Ether.Fi AGREEMENT, THE CARD TERMS, OR THESE AUTHORIZED USER TERMS AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, ISSUER, Ether.Fi AND ALL OF ITS AFFILIATES’ LIABILITY, TAKEN TOGETHER IN THE AGGREGATE, ARISING OUT OF OR RELATED TO THESE AUTHORIZED USER TERMS, WHETHER IN CONTRACT, TORT OR UNDER ANY OTHER THEORY OF LIABILITY, SHALL REMAIN SUBJECT TO THE LIMITATION OF LIABILITY SECTION OF THE Ether.Fi TERMS OF Use AND ANY REFERENCE IN SUCH SECTION TO THE LIABILITY OF A PARTY MEANS THE AGGREGATE LIABILITY OF THAT PARTY AND ALL OF ITS AFFILIATES UNDER THE AGREEMENT. \\

13. Dispute Resolution

You acknowledge and agree to the Dispute Resolution Provisions (Sections 18 and 19) of the Card Terms. These provisions may require you to arbitrate any disputes with Issuer and/or Ether.Fi arising out of or relating to these Authorized User Terms in an individual arbitration and not a class arbitration. It also includes a waiver of any right to trial by jury or judicial proceedings, including class actions and class proceedings, in connection with claims arising out of these Authorized User Terms. PLEASE REVIEW THE DISPUTE RESOLUTION PROVISIONS OF THE CARD TERMS CAREFULLY.\\

14. Governing Law

These Authorized User Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conﬂict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section above must be brought in state or federal court in Puerto Rico, unless we both agree to some other location, and you hereby consent to the venue and personal jurisdiction of such court.

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