Ramp updated its Terms of Service on July 18, 2026 with substantial changes across multiple operational areas. The update adds regional schedule provisions for UK and EU users, expands sanctions compliance to include Canada, the EU, and the UK in addition to US OFAC sanctions, modifies subscription billing language to remove the default monthly term option, refines intellectual property license terms, and adds clarifying language around electronic signatures and data obligations. The update also broadens the scope of withholding tax reimbursement obligations and clarifies notification procedures for account security incidents.
Businesses: If your company is based in the UK or EU, you are now subject to additional terms that apply specifically to your region.
Businesses: When screening customers and counterparties, you must now check against four sanctions regimes instead of one, significantly increasing screening scope.
Businesses: Your company must now reimburse Ramp for withholding taxes on any payment subject to such tax, not limited to subscription payments.
Businesses: By electronically signing or accepting these terms digitally, your company and its users are treated as if you signed with a handwritten signature.
The updated terms now require businesses in the UK and EU to comply with regional schedules applicable to their domicile, introducing jurisdiction-specific obligations. Subscription billing no longer defaults to monthly terms; instead, terms are offered by Ramp and must be affirmatively selected by the company. The agreement expands prohibited use restrictions to include not just US-sanctioned entities but also those sanctioned by Canada, the EU, and the UK. Additionally, the terms now explicitly state that electronic signatures are conclusive evidence of intent to be bound, and withholding tax reimbursement obligations apply to all fees, not just subscription fees.
→ If your company is domiciled in the UK or EU, obtain and review the applicable regional schedule to understand any jurisdiction-specific terms.
→ Review your Ramp subscription settings to confirm the billing term that is currently selected, as monthly defaults no longer apply.
New jurisdiction-specific terms now apply to UK and EU customers based on domicile, creating differentiated compliance frameworks.
Screening obligations expanded from US OFAC alone to include Canadian, EU, and UK sanctions regimes.
Monthly default term option removed; all billing terms must be affirmatively selected by the customer from Ramp-offered options.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
This update introduces material changes for compliance teams. The addition of UK and EU regional schedules creates jurisdiction-specific compliance frameworks that must be mapped to customer domiciles. Sanctions screening scope expands from OFAC to include …
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Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-003816.
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