Effective on 16 January 2025
These Consumer Terms of Service ("Terms of Service" or "Terms") are a legal agreement between us ( "us", "our", "we", or "Stripe") and you, the individual who uses one or more of the products and services we offer for your personal use under these Terms (referred to as "you" or "your"), which are Link, Financial Connections, and Identity (each, a "Consumer Service"). The following Terms are a legally binding agreement between you and us, and it describes the terms and conditions applicable to your use of our Consumer Services. By using our Consumer Services, you agree to be bound by these Terms, and any new features or tools that are added will also be subject to these Terms. The Stripe entity with which you are entering into these Terms depends on your location and can be found here.
These general Terms apply to all of our Consumer Services that reference these Terms. Businesses that are using our products and services for business purposes ("Business Users") are subject to the Stripe Services Agreement.
The following additional policies and terms also apply when you access or use the Consumer Services, all of which are incorporated by reference into these Terms:
Arbitration Agreement. IF YOU ARE LOCATED IN THE UNITED STATES, YOU AGREE TO OUR ARBITRATION AGREEMENT, WHICH REQUIRES YOU TO RESOLVE DISPUTES BETWEEN YOU AND STRIPE ON AN INDIVIDUAL BASIS THROUGH ARBITRATION, PROHIBITS YOU FROM MAINTAINING OR PARTICIPATING IN A CLASS ACTION LAWSUIT, WAIVES YOUR RIGHT TO A JURY TRIAL, AND LIMITS THE TIME IN WHICH A CLAIM MAY BE BROUGHT.
Link E-Sign Disclosure. You agree to the Link E-Sign Disclosure. It provides that we will communicate with you electronically. Your electronic agreement has the same effect as if you sign in ink, and you agree to receive notices through our Consumer Services.
Privacy Policy. You acknowledge the Privacy Policy. Stripe and the Business User are independent controllers of personal data collected in conjunction with the Consumer Services and will independently and separately determine the purposes and means of its processing of personal data. We may transfer your personal data to countries other than your own country, including the United States. Please read the Privacy Policy carefully to understand how your information is collected, used, and shared in connection with these Consumer Services. Learn more by reviewing Link's Privacy Center.
Product-Specific Terms. A Consumer Service may have specific terms that apply when you use that particular Consumer Service. These product-specific Terms are listed in the left-hand menu.
Acceptable Use Policy. Your use of a Consumer Service is subject to Stripe's Acceptable Use Policy.
We may revise these Terms or any additional policies and terms listed above from time to time by giving you at least 30 days’ notice (the “Change Notice”). However we may provide a shorter notice period if we reasonably consider the matter to which the Change Notice relates does not disadvantage you or we reasonably consider a shorter notice period (or no notice period) is necessary for one of the following reasons:
to facilitate compliance with applicable law (including any change or anticipated change to applicable law);
to reflect a decision or notice of a court, ombudsman, authority, enforcement body or regulator;
to ensure the security of any Consumer Service;
to protect us from loss or damage (except loss or damage caused by Stripe’s negligence, fraud or wilful misconduct) or to protect you from loss or damage.
We will post a Change Notice electronically online on the applicable Consumer Services Page or via an email address associated with your account. You must check these Terms for a Change Notice on a regular basis (at least every 30 days). The revised Terms will be effective on the date stated in the Change Notice. By using a Consumer Service after any revisions become effective, you agree to those changes. If you do not agree with any changes to the Terms, you must stop using the Consumer Services. You should also close or delete your account as described in the Link Account Terms.
You may only enter into these Terms if you are over the age of majority and able to enter into a legally binding contract in the country in which you reside.
You must not use the Consumer Services if you have previously been terminated or suspended from using any of our services, including any Consumer Service. You may not enter into the Terms or use any Consumer Service if you are the target of government sanctions, such as those applied by the US Department of the Treasury Office of Foreign Assets Control, or any other national government.
You must be eligible for the particular Consumer Services to the extent they are available in your country. If we present an incorrect country for you or you move countries, then you must correct the country in your account or contact support before using the Consumer Services again.
Any contract of sale made using the Consumer Services is directly between you and the Business User. You, and not Stripe, are responsible for the purchases you make using the Consumer Services. The Business User, and not Stripe, is responsible for the goods or services that you may purchase from them using the Consumer Services, including but not limited to delivery, quality of goods, returns, accuracy, refunds, fraud, advertising, customer support, protection of intellectual property rights, liability relating to the Business User's products or services, or non-compliance with applicable law.
Your access to and use of the Consumer Services does not change your relationship with the Business User, third party services or platforms or with your bank or credit or debit card company.
Except as provided otherwise in these Terms, Stripe will not intervene in any dispute between you and a Business User for any transactions using the Consumer Services. If you find yourself in a dispute with a Business User or a third party, we encourage you to contact the other party and try to resolve the dispute. If you choose to contact Stripe's support team regarding a Business User, you acknowledge that we may, but are not required to, forward information about your issue, such as your email address and a summary of your issue to the Business User with a request that they contact you directly to resolve your concern. Except as provided otherwise in these Terms, Stripe will not make judgments regarding factual disputes or legal issues or claims between you and the Business User, and Stripe has no obligation to resolve any disputes between you and the Business User. You release Stripe from any claims, demands, and damages arising out of disputes relating to your use of the Consumer Services, including those with other Business Users or parties, except to the extent caused by Stripe’s negligence, fraud, or wilful misconduct.
We make no warranties with respect to the products, services or information provided by Business Users, and we are not responsible or liable for claims, including but not limited to: (a) product liability claims in respect of Business User products; (b) claims that the offer or sale of Business User products or services fails to conform to any applicable legal or regulatory requirement; (c) claims respecting Business Users' products, services, or practices arising under consumer protection or similar legislation; (d) any inaccurate, incomplete or out of date information offered by a Business User; (e) infringement of intellectual property rights by the Business User; or (f) the acts or omissions of any third party platform where you may interact with or purchase from.
You agree that:
Information you provide about yourself and your use of the Consumer Services must be complete and accurate as of the time provided, and you must keep this information up-to-date;
To the extent law allows, we and our service providers may verify your identity, except as otherwise provided in product-specific terms.
You must notify us immediately if you become aware of any unauthorised use or access to your account. You are responsible for any actions taken through the use of your credentials, except:
To the extent allowable under law, by providing us with a phone number, you consent to receiving text (SMS) messages, push notifications, and phone calls from us. Such communications may include, but are not limited to, requests for authentication, receipts, reminders, notifications regarding updates to your account or account support, requests for product feedback, and marketing or promotional communications. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using any Consumer Service. Call and text message communications may be generated by automatic telephone dialling systems. Standard message and data rates your mobile phone provider applies may apply to the text messages we send you.
You may opt out of receiving promotional email communications we send to you by following the unsubscribe options on such emails or by managing your communications preferences in the app. You may opt out of text messages from Stripe by replying STOP or by following instructions that you receive in the text message. You may opt out of phone calls by notifying the caller or by contacting support. You acknowledge that opting out of receiving communications may impact your use of Consumer Services.
We reserve all rights not expressly granted to you in these Terms. The Consumer Services are protected by trademark, copyright, patent and other laws of the United States and other countries. We own all rights, title, interest in and to the Consumer Services and all copies of the Consumer Services, and all Intellectual Property Rights in them. Your use of the Consumer Services is subject to these Terms, and these Terms do not grant you any rights to our Intellectual Property Rights or the Intellectual Property Rights of our licensors, licensees, or partners.
For the purposes of these Terms, "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.
You may choose to submit feedback, ideas and suggestions about the Consumer Services, but it is never required. You may provide us with feedback on the Consumer Services by contacting support. You agree that we may use, integrate, and share all feedback, ideas, and suggestions you submit for any purpose and without compensation or obligation to you. You assign to us all rights, title and interest to any feedback, ideas and suggestions, including the right to use, modify and integrate them in any manner.
Termination by Us: We may terminate these Terms, and we may limit, suspend, change, or remove your access to any or all Consumer Services, including any feature or aspect of the Consumer Services (a “Relevant Action”) (i) at any time upon 30 days’ notice; or (ii) with immediate effect if any event listed below occurs:
If reasonably practicable, we will provide you with written notice electronically on the applicable Consumer Services or via an email address associated with you (or as specified above) before taking the Relevant Action.
Termination by You: Subject to any product-specific Terms below, you may terminate any Consumer Service at any time and for any reason by terminating the Consumer Service or closing or deleting your account as described below in the Link Account Terms. Termination will be effective on the date that your account is closed.
Effect of Termination. Upon termination, you will not have any further use of or access to the Consumer Services. Subject to applicable law, you will also not have any use of or access to any information you submitted through the Consumer Services, and all rights granted under these Terms will end. Termination does not relieve you of your obligations to pay amounts owed to Stripe, Business Users, or any other obligation contracted prior to termination. Termination does not revoke any third-party payment authorisations. The following provisions will survive even after these Terms terminate: Arbitration Agreement, Our Intellectual Property, Feedback, Disclaimer of Warranties, Limitation of Liability, Governing Law, Assignment and Third Party Beneficiaries, and Miscellaneous Terms.
Subject to statutory consumer guarantees, which will apply irrespective of this disclaimer, the Consumer Services are provided "as-is" and without any representation or warranty, whether express or implied. We, our affiliates, and our respective agents, and contractors (together, the "Disclaiming Entities") make no representation or warranty of any kind whatsoever (other than those implied by statute) with respect to the Consumer Services or the content, materials, information and functions we make accessible, and specifically disclaim all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not promise that the Consumer Services will be uninterrupted, error-free, free from cyber attacks, or secure.
The Disclaiming Entities do not control or make any warranties regarding the products or services others provide in connection with the Consumer Services. In other words, we do not have control over the businesses from which you're purchasing when using the Consumer Services, and we do not promise or imply that the products or services you buy using the Consumer Services will work as promised or be safe to use.
To the extent that you acquire goods or services from Stripe as a consumer within the meaning of the Australian Consumer Law as set out in the Competition and Consumer Act 2010 (Cth), you have certain rights and remedies (including consumer guarantee rights) that cannot be excluded, restricted or modified by agreement. Nothing in this Agreement operates to exclude, restrict or modify the application of any implied condition, warranty or guarantee, or the exercise of any right or remedy, or the imposition of any liability under law where to do so would: (a) contravene that law; or (b) cause any term of this agreement to be void.
The Disclaiming Entities will not be liable to you for any failure to perform our obligation under these Terms due to a Force Majeure Event. A "Force Majeure Event" is any event beyond the control of the Disclaiming Entities that significantly impacts Stripe’s ability to perform its obligations under these Terms, including a strike or other labour dispute; labour shortage, stoppage or slowdown; supply chain disruption; embargo or blockade; telecommunication breakdown; cyber blackout; power outage or shortage; inadequate transportation service; inability or delay in obtaining adequate supplies; weather; earthquake; fire; flood; act of God; riot; civil disorder; civil or government calamity; epidemic; pandemic; state or national health crisis; war; invasion; hostility (whether war is declared or not); terrorism threat or act; Law; or act of a Governmental Authority.
Subject to applicable consumer laws in your country, which will apply irrespective of this limitation of liability, the Disclaiming Entities will not be liable to you for any failure to perform our obligations under these Terms where performance of that obligation would have put us in violation of applicable law.
The Disclaiming Entities will not be liable to you, and you will not be liable to the Disclaiming Entities, in any circumstances for:
Loss of business, loss of goodwill, loss of opportunity, or loss of profit; or
Any loss that could not have been reasonably anticipated.
Subject to the specific product Terms below and applicable consumer laws in Australia, in no event will a Disclaiming Entity's liability arising out of or in connection with these Terms exceed $200 USD, except to the extent that the liability is caused by the negligence, fraud, or wilful misconduct of a Disclaiming Entity.
You and we agree that the other has relied on the disclaimer of warranties and limitation of liability stated above in entering into these Terms, the limitation and disclaimer are essential to the agreement between you and us under these Terms, and they will apply to the fullest extent allowed by law.
Some laws restrict our ability to disclaim or limit our liability. In those cases, this section does not restrict, exclude or modify any consumer rights under any applicable law.
If you reside in Australia, the laws of the state of New South Wales will govern any claim or dispute between you and us that arises out of these Terms, regardless of conflict of law principles.
If you reside outside of Australia, your governing law is specified here.
You must not assign your rights or obligations under these Terms to anyone without our prior written consent. We may delegate performing our obligations, and we may assign our rights and novate our obligations under these Terms, at any time for any reason without your consent by providing notice to you.
In the event of an irreconcilable conflict or inconsistency between a provision in these Terms and any product-specific Terms below, the provision in the product-specific Terms will govern. These Terms do not create any partnership, joint venture, or other agency relationship between you and us. If we do not immediately exercise a right we have under these Terms, we do not waive that right. We retain our ability and right to enforce any part of these Terms at a later time. If any part of these Terms is found unenforceable, that part will be ignored, and all of the remaining terms will remain in effect.
If you have a question about the Consumer Services or how these Terms apply to you, please contact support.
Link is a service that allows you to save and manage your information for an accelerated experience ("Link"). Link powers an accelerated checkout by storing your information upon your authorisation and retrieving it for faster checkouts. When you make a purchase at a business that uses Stripe and offers Link as an accelerated checkout option (a "Link Merchant"), you will be asked if you would like to save your information or use your information saved to your Link account for future payments across Link Merchants when you are logged in with us on the same browser, app or device.
When you authorise us to save your information, you are signing up for Link and creating a Link account ("Link Account"), and we will collect and store certain personal data from you, such as:
Your name, email address, and mobile phone number ("Account Information");
Your credit card, debit card, bank account information, and billing address ("Payment Information");
Your shipping address ("Shipping Information"); and
Information related to your purchase from a Link Merchant, such as the order date, amount, and product details (such as name, price, photos) ("Order Information").
Together, your Account Information, Payment Information, Shipping Information and Order Information are your "Saved Information." We will use all personal data we collect about you in accordance with the Link Privacy Policy, including to develop and analyse our services and to share with our Link Merchants and our Business Users. The data we share with Link Merchants and Business Users may include: (i) the fact that you have a Link Account, (ii) the fact that you completed a purchase using Link, and (iii) the payment method type used for a purchase you made using Link. Business Users are businesses that are using our products and services for business purposes, subject to the Stripe Services Agreement. We may also share your Account Information with our financial partners in order to assist you in obtaining services from our financial partners.
When you use Link on a Link Merchant's website, we or the Link Merchant will use cookies or similar technologies to associate your web browser, app, or device (or data regarding your web browser, app, or device) to your Link Account and to recognise you when you visit that Link Merchant or another Link Merchant on the same web browser, app, or device. You will be able to log in to your Link Account to access your Saved Information by inputting your email address and using a passkey or a verification code sent to you via SMS text message or by email. You can then make purchases using your Account Information, Payment Information, and Shipping Information across Link Merchants when you are logged in with us on the same browser, app or device. When you are logged into Link, we will provide the Link Merchant with your Account Information, Payment Information, and/or your Shipping Information to facilitate a faster checkout. If you are not logged in to Link, for example, because your session has expired, you've cleared your cookies, or you're using a device that is different from the one you used to last access Link, you may log in again via the same method outlined above.
You may only save Payment Information with us that you are authorised to use.
When you are logged into your Link Account and you input or use a new payment method (such as a different debit or credit card, or a different bank account), you authorise Stripe to save that new payment method information to your Link Account as part of your Payment Information. The last payment method you used to make a successful transaction may become your default payment method the next time you are completing a transaction on a Link Merchant's site. You may also change your default payment method by logging into your Link Account on app.link.com.
Message and data rates may apply for any SMS messages that we send to you, or you send to us. If you have any questions about your text plan or data plan, contact your wireless or mobile provider.
We reserve the right to modify or terminate Link or any of the features or tools provided therein in the circumstances set out in clause 9 of the Consumer Terms.
These Link Account Terms are effective unless and until they are terminated by either you or us. You may terminate these Link Account Terms at any time by deleting your Link Account.
If you want to delete your Saved Information, your Link Account, or stop storing information using Link, please let us know by visiting <https://support.link.com/how-to-delete-your-saved-payment-information> and submitting your email address.
You can manage your Saved Information on your Link Account, the next time you checkout on a Link Merchant site, or by visiting https://support.link.com for more instructions. Should you update your Payment Information, you authorise Stripe to validate and store your Payment Information, including your credit card, on file.
If your access to your Link Account is terminated by you or us, we will delete your Saved Information in accordance with our Privacy Policy.
You can add or remove certain payment methods to your Link Account such as a credit card, debit card, a buy-now-pay-later (BNPL) account, or a US bank account (if you are located in the US). Before linking a payment method, you should review and understand the consumer protection rights and remedies available for different payment sources in your jurisdiction, such as under the Electronic Fund Transfer Act (EFTA) and Fair Credit Billing Act (FCBA) in the United States.
If you add a BNPL account to your Link Account, your BNPL account will remain logged-in via your Link Account. This means that you will not need to separately log in to your BNPL account to access it via Link. It also means that access to your Link account will also provide access to your BNPL account.
Please keep your Payment Information current (e.g., credit card number and expiration date). If this information changes, you authorise us to, as permitted by and in accordance with the law, update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your Payment Information from your Link Account.
Removing a payment method from your Link Account does not cancel or change any amounts you still owe to a Link Merchant or to a BNPL provider. Specifically, if you remove a payment method from your Saved Information, this will not terminate or cancel any outstanding payment plans you may have entered into with a BNPL provider or any subscriptions you may have purchased with a Link Merchant using your Saved Information. You must cancel your subscriptions with the Link Merchant directly, and you must manage your BNPL payment plans with the BNPL provider directly.
Where applicable, we may ask you to connect your bank account to your Link Account to make it easier to pay with your bank account subsequently through your Link Account. Any bank account you choose to save to your Link Account is referred to as a "Saved Bank Account." Through your Link Account and under the Financial Connections Terms, you may also choose to provide your Saved Bank Account details directly to a Business User regardless of whether Stripe is involved in a subsequent transaction. We will collect data from your Saved Bank Account (and other accounts under the same account credentials) pursuant to the Financial Connections Terms and the Link Privacy Policy. We may use your Saved Bank Account data to, among other things, verify that your Saved Bank Account is valid, check your balance to confirm there are sufficient funds for your purchase, streamline your requested payments and assess your eligibility for and offer you Consumer Services that we or our affiliate provides. You authorise us to credit amounts or otherwise send payments to the bank account you would like to save to your Link Account and your existing Saved Bank Account(s), including to determine whether your bank account is valid and active, as well as for promotions and refunds.
Each time you use your Link Account to pay a Link Merchant using your Saved Bank Account, you are authorising the Link Merchant to debit your Saved Bank Account for up to the total amount you authorise the merchant to charge ("Total Authorised Amount") pursuant to the Link Bank Payments Authorization. You authorise us to retry a debit on your Saved Bank Account if your bank rejects the original debit. If the Link Merchant chooses, they may debit your Saved Bank Account, pursuant to your Link Bank Payments Authorization, for amounts less than the Total Authorised Amount, which in the aggregate will not exceed the Total Authorised Amount. Where your Saved Bank Account is a US bank account, you agree that your grant of the authorisation in this paragraph complies with the National Automated Clearinghouse Association (NACHA) operating rules and has the same legal effect as if you had signed a paper mandate containing the same terms.
If you do not see an option to pay using a bank account through your Link Account, it may be because the Link Merchant has not allowed those payments or the Link Merchant or bank is not eligible for bank payments via our Consumer Services. If your bank account transaction fails without an actual attempt to debit your Saved Bank Account, it may be because we determined the transaction is at high risk of being returned unsuccessfully (e.g. if your historical account balance is below the transaction amount). This can help prevent you from incurring insufficient funds fees from your bank. We recommend that you use a different bank account or payment method or reach out to us if you have questions. Your use of your bank account as a payment method is also subject to the terms, benefits, and protections associated with your personal bank account. If you use your bank account as a payment method and do not have sufficient funds to make a purchase, you could incur overdraft fees, insufficient funds fees or other fees with your bank.
If at any time you would like to revoke your Link Bank Payments Authorization or you no longer want your Saved Bank Account to be a payment method saved to your Link Account, you must delete your Saved Bank Account as a payment method from your Link Account. If a payment with your Saved Bank Account was not initiated from your Link Account but involved Link or Stripe connecting your financial account with that Business User, please see the Financial Connections Terms or this page for information on how to disconnect your Saved Bank Account.
If your default or selected payment method is unavailable, or the transaction is unsuccessful using that payment method (for example, because your Saved Bank Account has insufficient funds), the Link Merchant may initiate a transaction on any other payment method saved to your Link Account (a "Backup Payment Method"). Generally, transactions on Backup Payment Methods will be attempted in the following order, if applicable: (1) Saved Bank Account, (2) debit card, and (3) credit card. In some cases, a Backup Payment Method of the same type will be used (for example, if your default payment method is a card, the Backup Payment Method may also be a card).
We will identify that a Backup Payment Method applies before you complete the purchase (e.g., whether during a one-time checkout or for any subscription payments, during the initial subscription purchase).
If you do not wish to have a Backup Payment Method used, you may either (i) not consent to the use of the Backup Payment Method or (ii) manage your payment methods on your Link Account.
If you would like access to Link’s newest products and services, you can opt in to participating in the Link beta programme via the settings in your Link Account. When you join the Link beta programme, you are authorising us to process your Saved Information to determine if you are eligible for our newest products and services. We may also send you communications to market the availability of a new product or service.
We take the protection of your Saved Information seriously and have implemented technical and organisational measures designed to safeguard it from accidental loss and from unauthorised access, use, alteration, or disclosure. These measures include industry-standard practices and technology to help maintain the security, confidentiality, and integrity of your data.
While we strive to provide robust security, no system is completely foolproof. We cannot guarantee that unauthorised third parties will never be able to defeat our security measures or misuse your Saved Information. We encourage you to remain vigilant and take responsibility for securing your personal data, knowing that you provide it at your own risk.
Learn more about our security here. If you have reason to believe that the security of your Link Account has been compromised, please contact us immediately at support.link.com/contact.
If your Link Account remains inactive for a continuous period of two years, we may consider the account dormant and may close your Link Account at our discretion (a "Dormant Account").
A Link Account is considered a Dormant Account if you have not done any of the following Link Account activities during a continuous two year period:
Prior to closing the Dormant Account, Stripe will notify you using the email address associated with your Link Account. Starting from the date of our notice to you, we will provide you with a period of 30 days to reactivate your Link Account by logging in and performing any Link Account activity listed above.
If Stripe does not receive a response or the account remains inactive after the 30-day notice period, your Link Account will be closed.