The Consumer Terms of Service will be updated on 16 January 2025. Please review the upcoming changes here.
Effective on 31 July 2023
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 from time to time. We will use reasonable efforts to notify you of material changes to these Terms in advance of their effectiveness, including by posting notice on the applicable Consumer Services or providing notice via an email address associated with you. The revised Terms will be effective on the date stated in the revised Terms. By using a Consumer Service after any revisions become effective, you agree to those changes. If you do not agree with any changes to these Terms, you must stop using the Consumer Services.
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, refunds, fraud, advertising, 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. You can submit a complaint regarding a Business User to Stripe, and Stripe may forward your complaint to the Business User with a request that they contact you directly. 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. 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 users or parties.
We make no warranties with respect to the products, services or information provided by Business Users, and we are not responsible or liable for: (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; or (e) 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.
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 for actions taken after you have told us that your account or credentials have been compromised.
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 secondary 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 cell phone carrier 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 and share all feedback, ideas, and suggestions you submit for any purpose and without compensation or obligation to you.
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, at any time for any reason. If commercially reasonable, we will take reasonable steps to notify you before taking any action that restricts your access to the Consumer Services. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we may terminate these Terms of Service at any time without notice to you and accordingly we may terminate your access to the Consumer Services.
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 others. 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.
The Consumer Services are provided "as-is" and without any representation or warranty, whether express or implied. We, our affiliates, and our respective agents, contractors, and Business Users (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, 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.
Some laws limit or prohibit disclaiming the warranties referred to in the previous paragraphs, or impose obligations on us that we can't eliminate with these Terms. In those cases, this section (Disclaimer of Warranties) does not restrict, exclude or modify any consumer rights under any applicable law.
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 Stripe or its affiliates, including a strike or other labour dispute; labour shortage, stoppage or slowdown; supply chain disruption; embargo or blockade; telecommunication breakdown; 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.
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 in any circumstances for:
Loss of business, loss of goodwill, loss of opportunity, or loss of profit; or
Any loss that we could not have reasonably anticipated.
Subject to the specific product Terms below and applicable consumer laws in your country, in no event will a Disclaiming Entity's liability arising out of or in connection with these Terms exceed $200 USD.
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 the United States, California law 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 the United States, 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 obligations under these Terms to Stripe affiliates, at any time for any reason by providing notice to you.
These Terms, together with the Arbitration Agreement (if applicable), E-Sign Agreement, Privacy Policy, the Acceptable Use Policy, and the product-specific Terms below are the only agreement between you and us regarding the Consumer Services. 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.
Description of Link
Use of Link: Your Rights and Obligations
Updating or terminating your Link Account
Adding or Removing a Payment Method
Backup payment method
Security
Dormant Accounts
Protection from Unauthorised Transactions (only for US consumers)
Error Resolution (only for US consumers)
In case of errors or questions about your electronic transfers
Effective on 23rd June 2023
We provide a Consumer Service that allows you to connect your U.S. financial accounts to easily share your financial account data with Stripe and our affiliates (and to the extent identified, our Business User with which you are interacting), so that you can receive better product experiences. These Financial Connections Terms, along with the Consumer Terms of Service, apply when you use this Consumer Service.
When you interact with a Business User that has enabled this Consumer Service, we will ask you to connect one or more of your financial accounts. If you agree to connect your financial accounts with us, Stripe will collect data from those financial accounts (associated with the login information you provide) for account selection and as reasonably necessary to provide this Consumer Service. We will only provide the Business User with the data categories (and related insights) requested by the Business User for the specific accounts you choose to share with the Business User.
Your financial account data is either provided directly by your financial institution, or collected by us or our third party partners by collecting, storing and using your login information (such as your username and password). We refer to these financial institutions and partners as "Data Sources." Finicity Corporation is one of our Data Sources, and their terms are available here and incorporated into these Financial Connections Terms by this reference. Where our Data Sources enable us to control the specific accounts to which Stripe accesses data, Stripe will not collect data except from the specific accounts you select.
When you agree to connect your financial account using this Consumer Service, you consent to the collection, use, and retention of your financial account data (including personal data) for that financial account. Once connected to your financial account(s), we and our Data Sources will regularly collect, use, and store the following types of data from your financial accounts:
Account owner information, including contact information (such as your name and address);
Account balances, including current and pending balances;
Account details, including your account type and bank, and account and routing numbers;
Account transactions, including balance, transaction date, payee, location, transaction, description, and amount.
Among other things, we may use your data to:
Verify your financial account;
Facilitate the processing of your requested payments;
Mitigate fraud, financial loss, or other harm to you, our Business Users, and us;
Assess your eligibility for and offer you our other products or services;
Analyse, develop, and update this Consumer Service and our other products and services;
Provide you customer support;
Comply with law, and enforce our terms; and
For other purposes consistent with your consent and applicable law.
For example, we may use your financial account data to decrease the likelihood that you are charged with insufficient funds fees or experience an ACH return and to assess your eligibility for and offer you Consumer Services that we or our affiliates provide. Please review the Financial ConnectionsFAQs to learn more. We will use your personal data in accordance with our Privacy Policy.
We will only provide the Business User the categories of financial account data (including related insights) that the Business User requests and with your permission. Please remember, however, that our Privacy Policy covers our privacy practices, and not our Business Users' privacy practices. Business Users may use your financial account data, for example, to verify that your account is valid and to check your account balance.
In some cases, we and our Data Sources collect and store your financial institution login information, depending on the type of connection that we have with your financial institution. You authorise, and represent that you have the lawful right to authorize, us and our Data Sources to log into and access the data in your connected financial account(s) for the purposes described above. In order to provide you a better experience, you also authorise Stripe or our Data Sources to save, to remember, to trust or to take a similar action for account logins solely by Stripe or our Data Sources. We or our Data Sources may also be notified that account login is pending your action (such as your entry of a multifactor authentication code). We may prompt you to complete that action directly in your financial institution's application. This Consumer Service is not endorsed or sponsored by any financial institution whose account(s) are accessible through this Consumer Service, and we are not an agent of those financial institutions.
We will only provide the Business User with the data categories (and related insights) requested by the Business User for the specific accounts you select to share with the Business User. Otherwise, we disclose your financial account data and login information only to our trusted service providers and to the Data Sources only as necessary to provide this Consumer Service. We have implemented security controls that are designed to safeguard your data. To learn more, please visit https://stripe.com/docs/security/stripe.
If you want to disconnect your financial account from access by the Business User, you may do so through our disconnection form. Once your financial account has been disconnected, the Business User cannot access any subsequently refreshed financial account data from Stripe. Disconnecting your account or deleting your personal data from Stripe may not cancel or stop payments (including recurring payments) that you have already authorised. If you would like to request our Business User to cease debiting your account or to delete any copies of your data they obtained through this Consumer Service, please contact the Business User directly.
Stripe typically does not collect additional information from your disconnected financial account. In some cases, however, our Data Sources (or your financial institution) do not enable us to cease collecting your financial account data until all accounts associated with the applicable login information have been disconnected. You can also use our disconnection form to request that we disconnect all accounts and to delete the financial account data we obtained (and associated login information, if we have collected them).
You may choose for us to save your financial account for future use across our eligible Business Users, including when you check out on their websites and applications. When you authorise us to save your financial account to Link, you are signing up for Link and creating a Link Account, and we will collect and store certain personal information from you, such as your name, email address, and mobile phone number. Please see the Link Account Terms for more information about Link Accounts.
Effective on 23 June 2023
If you agree to save your identity information to your Link Account or verify your identity using your Link Account, you may choose to use your Link Account to share your identity verification data in the future with other eligible businesses (i.e., our Business Users). This identity verification data may include the personal data you provided (such as a photo of your driver's licence or passport) and our verification results (including insights).
We generate verification results by comparing the information you provide with information about you that we collect from our Business Users, partners, identity verification service providers, and publicly available sources. If you agree for us to verify your identity using your identity document and your photo, your verification results are based on the biometric identifiers we generate and store from your images. Learn More. Stripe will use this information as a controller to verify your identity, including to comply with our own legal obligations, and for loss and fraud prevention and security purposes.
Business Users may ask you to verify your identity for a number of reasons, including to confirm that you do not already have an account or that you are authorised to use a payment method. An advantage of saving your identity information to, or verifying your identity with, your Link Account is that you may not need to go through the trouble of re-submitting your identity information for other Business Users in the future. Rather, you may be able to verify your identity more quickly and easily by providing consent to share the verification data you saved to your Link Account with specific Business Users. Before you agree to verify your identity through your Link Account with a Business User, we will inform you whether verification data will be shared with that Business User. If you agree to share your verification data with a Business User, please note that Business User is an independent controller of your verification data, and the Business User's use of your data is subject to the Business User's privacy policy.
If you want to delete your identity information from your Link Account, there are instructions for how to do so here. If you choose to delete your identity information from your Link Account, please note the Business User may still have your verification data. If you would like to request the Business User to delete any copies of your personal data they obtained through this End User Service, please contact the Business User directly.