| Plaid Account Terms | | Plaid Account Terms |
| Available languages: | | Available languages: |
| Française - Conditions du Compte Plaid | | Française - Conditions du Compte Plaid |
| n | Effective Date: December 1, 2023 | n | Effective Date: April 14, 2026 |
| Background. Thanks for using Plaid! Plaid is a service that helps consumers like | | Background. Thanks for using Plaid! Plaid helps consumers like you connect your |
| you connect your financial accounts, share your financial data, verify your ide | | financial accounts to Plaid, enabling Plaid to provide you with services that yo |
| ntity, make transfers and payments, and use other products and services involvin | | u request, or to third-party applications that use Plaid (“Third-Party Apps”). Y |
| g your financial and identity data with your chosen applications that use Plaid | | ou can save your financial account connections and personal information in an ac |
| (“Apps”). | | count directly with Plaid (“Plaid Account”). Your Plaid Account unlocks Plaid’s |
| | | streamlined services, including allowing you to more easily use your financial a |
| | | nd identity data, as described further below. |
| Additional Terms. These Plaid Account terms (“Plaid Account Terms”) supplement a | | Additional Terms. These Plaid Account terms (“Plaid Account Terms”) supplement a |
| nd incorporate by reference the End User Services Agreement (US) and together fo | | nd incorporate by reference the End User Services Agreement (US) and together fo |
| rm an agreement between you and Plaid (the “Agreement”). Please review all terms | | rm an agreement between you and Plaid (the “Agreement”). Please review all terms |
| in the End User Services Agreement (US), including in particular the Sections t | | in the End User Services Agreement (US), including in particular the Sections t |
| itled Rights to the Platform, Our Disclaimers, Liabilities for our Platform, Dis | | itled Rights to the Platform, Our Disclaimers, Liabilities for our Platform, Dis |
| pute Resolution, and Notices. Plaid may modify the Agreement upon notice to you, | | pute Resolution, and Notices. Plaid may modify the Agreement upon notice to you, |
| as detailed in the last paragraph of the End User Services Agreement (US), and | | as detailed in the last paragraph of the End User Services Agreement (US), and |
| acceptance of these modifications will be required to continue using your Plaid | | acceptance of these modifications will be required to continue using your Plaid |
| Account. | | Account. |
| n | Plaid Account. Plaid allows you to save and manage your financial account connec | n | If you use Plaid CRA services with your Plaid Account, the Consumer Services Agr |
| tions and identity verification data in an account with Plaid (“Plaid Account”). | | eement also applies. |
| This lets you accelerate your onboarding onto and use of Apps that use Plaid, i | | |
| ncluding faster account connection, data sharing, identity verification, transfe | | |
| rs and payments you make using Apps, and other products and services you use inv | | |
| olving your financial and identity data in those Apps. Note that a Plaid Account | | |
| is not a transaction or asset account for purposes of the Electronic Fund Trans | | |
| fer Act, does not store funds, and does not provide you with a means to initiate | | |
| electronic fund transfers or other payments, but instead enables you to onboard | | |
| onto and use Apps more quickly and easily. | | |
| When you connect one or more financial accounts to an App using Plaid, Plaid may | | Plaid Account. Plaid allows you to save your financial account connections and p |
| ask you to provide and verify your phone number, email address, or other contac | | ersonal information in an account with Plaid (“Plaid Account”). This enables Pla |
| t information in order to create your Plaid Account and remember each of your co | | id to provide you with streamlined services, and allows you to share your financ |
| nnections within your Plaid Account. When you verify your identity with an App t | | ial and identity data, verify your identity, receive financial account connectio |
| hrough Plaid, Plaid may ask whether you want to save your identity data within y | | n notifications, and use other products and services involving your financial an |
| our Plaid Account. By creating a Plaid Account, you authorize Plaid to retain an | | d identity data. Note that a Plaid Account is not a transaction or asset account |
| d use your financial account connections and identity data in accordance with th | | for purposes of the Electronic Fund Transfer Act, does not store funds, and doe |
| e Agreement and Plaid’s End User Privacy Policy. | | s not provide you with a means to initiate electronic fund transfers or other pa |
| | | yments, but instead enables you to onboard onto, share information that a Third- |
| | | Party App needs to initiate payments to you or from you, and use Third-Party App |
| | | s more quickly and easily. |
| How Your Account Works. Saving identity data and financial account connections i | | Plaid Monitoring Service. Plaid offers an account monitoring and alerts service |
| n your Plaid Account enables you to more quickly onboard onto and use your Apps’ | | via a web-app (“Plaid Web-App”) directly to consumers like you. This service all |
| products and services. When you return to use your data and connections with yo | | ows you to create and/or manage your Plaid Account, including by adding or remov |
| ur Apps, your Plaid Account helps us accurately recognize you and complete faste | | ing financial account connections and associated data from your Plaid Account. I |
| r identity verification and account linking for you without you having to re-ent | | n addition, through the Plaid Web-App, you can receive notifications and insight |
| er all of your saved information for each App. | | s related to your Plaid-enabled connections to Third-Party applications as well |
| | | as the financial accounts that are saved in your Plaid Account. This may include |
| | | notifications and insights regarding: account connections, suspicious activity, |
| | | contact info mismatches or changes, unusual transactions, and balance updates. |
| | | By signing up for the Plaid Web-App, you agree to receive such notifications and |
| | | insights from Plaid. |
| As part of enabling these faster processes for you through your Plaid Account, P | | How Your Plaid Account Works. You can create a Plaid Account when you use the Pl |
| laid may: (a) share with Apps, our subsidiaries, and our service providers infor | | aid Web-App or when you use Plaid to connect your financial accounts or verify y |
| mation about whether or not you have a Plaid Account, and, if you do, certain in | | our identity. By creating a Plaid Account, you authorize Plaid to retain and use |
| formation from your Plaid Account in order for us and them to provide services t | | your financial account connections and personal information in accordance with |
| o you, including: (i) the number and types of financial account connections in y | | the Agreement and Plaid’s End User Privacy Policy. |
| our Plaid Account, (ii) the types of identity data and documents in your Plaid A | | |
| ccount, and (iii) the services and use cases that Apps provide to you that can b | | |
| e supported by the financial account connections and identity data in your Plaid | | |
| Account; (b) contact you using information that you provide or that is availabl | | |
| e in your saved identity data or financial account connections, including to sen | | |
| d security notifications to confirm activity on your Plaid Account and messages | | |
| outlining steps for you to complete or troubleshoot the process of using Plaid t | | |
| o onboard and use your Apps; and (c) verify your data to protect against fraud, | | |
| misrepresentation, unauthorized or suspicious activity, or other malicious behav | | |
| ior – data we receive from this verification process may be stored in your Plaid | | |
| Account for use when you return to share identity data with other Apps. | | |
| | | Your Plaid Account helps us accurately recognize you and complete faster identit |
| | | y verification and financial account linking for you without you having to re-en |
| | | ter all of the information you have added to your Plaid Account. As part of enab |
| | | ling streamlined processes for you through your Plaid Account, Plaid may: (a) sh |
| | | are with Third-Party Apps that you use, our subsidiaries, and our service provid |
| | | ers any information required to provide the product or service you have requeste |
| | | d; (b) share with Third-Party Apps that you use, our subsidiaries, and our servi |
| | | ce providers information about whether or not you have a Plaid Account, and, if |
| | | you do, certain information from your Plaid Account in order for us and them to |
| | | provide services to you, including, but not limited to: (i) the number and types |
| | | of financial account connections in your Plaid Account, (ii) types of saved ide |
| | | ntity data and documents in your Plaid Account, and (iii) the services and use c |
| | | ases that Third-Party Apps provide to you that can be supported by the financial |
| | | account connections and identity data in your Plaid Account; (c) contact you us |
| | | ing information that you provide or that is available in your saved identity dat |
| | | a or financial account connections, including to send security notifications to |
| | | confirm activity on your Plaid Account and messages outlining steps for you to c |
| | | omplete or troubleshoot the process of using Plaid to onboard and use your Third |
| | | -Party Apps; and (d) verify your data to protect against or prevent actual or po |
| | | tential fraud, misrepresentation, unauthorized or suspicious activity, claims, o |
| | | r other liability, or other malicious behavior – data we receive from this verif |
| | | ication process may be stored in your Plaid Account for use when you return to s |
| | | hare identity data with other Third-Party Apps. |
| For more information about Plaid’s collection, use, and sharing of personal info | | For more information about Plaid’s collection, use, and sharing of personal info |
| rmation about you, including in connection with your Plaid Account, please revie | | rmation about you, including in connection with your Plaid Account, please revie |
| w Plaid’s End User Privacy Policy. The Agreement and Plaid’s End User Privacy Po | | w Plaid’s End User Privacy Policy. The Agreement and Plaid’s End User Privacy Po |
| licy do not cover what Apps that you use do with your information. You should re | | licy do not cover what the Third-Party Apps that you use do with your informatio |
| view the privacy policies and terms of service for those Apps for information ab | | n. You should review the privacy policies and terms of service for those Third-P |
| out their practices. | | arty Apps for information about their practices. |
| Managing and Deleting Your Account. You can view and manage your Plaid Account a | | Managing and Deleting Your Plaid Account. You can view and manage your Plaid Acc |
| t my.plaid.com or by contacting privacy@plaid.com. If you would like to delete y | | ount using the Plaid Web-App, using Plaid Portal at my.plaid.com, or by contacti |
| our Plaid Account or have any questions about managing your Plaid Account or reg | | ng privacy@plaid.com. If you would like to delete your Plaid Account or have any |
| arding your data rights, please contact privacy@plaid.com. | | questions about managing your Plaid Account or regarding your data rights, plea |
| | | se contact privacy@plaid.com. |
| Your Use and Restrictions. You may only use your Plaid Account to enable faster | | Your Use and Restrictions. You may only use your Plaid Account and the Plaid Web |
| onboarding onto and use of the Apps that use Plaid. By creating or using a Plaid | | -App to receive services from Plaid, including receiving insights and notificati |
| Account, you expressly agree to the Agreement and that: (a) all data you provid | | ons from the Plaid Web-App or enabling streamlined financial services such as fa |
| e and all financial accounts you connect are your own or that you are an authori | | ster onboarding onto and use of your Third-Party Apps. By creating or using a Pl |
| zed user of those accounts; (b) all data you provide to verify your identity is | | aid Account, you expressly agree to the Agreement and that: (a) all data you pro |
| complete and accurate; and (c) you will not (i) use or access anyone else’s Plai | | vide and all financial accounts you connect are your own or that you are an auth |
| d Account or related data, (ii) use any Plaid Account or related data for any fr | | orized user of those accounts; (b) all data you provide to verify your identity |
| audulent, illegal or misleading purpose, (iii) modify, reverse engineer or seek | | is complete and accurate; and (c) you will not (i) use or access anyone else’s P |
| to gain unauthorized access to any Plaid Account or related Plaid systems, (iv) | | laid Account or related data, (ii) use any Plaid Account or related data for any |
| bypass or circumvent measures designed to prevent or limit access to any part of | | fraudulent, illegal or misleading purpose, (iii) modify, reverse engineer or se |
| any Plaid Account or related Plaid systems, (v) copy, modify or create derivati | | ek to gain unauthorized access to any Plaid Account or related Plaid systems, (i |
| ve works of any Plaid Account or related Plaid systems in any manner not authori | | v) bypass or circumvent measures designed to prevent or limit access to any part |
| zed by Plaid, (vi) access any Plaid Account or related Plaid systems for competi | | of any Plaid Account or related Plaid systems, (v) copy, modify or create deriv |
| tive purposes or publish any benchmark or performance information, or (vii) use | | ative works of any Plaid Account or related Plaid systems in any manner not auth |
| any Plaid Account or related Plaid systems in any manner that could damage, disa | | orized by Plaid, (vi) access any Plaid Account or related Plaid systems for comp |
| ble, overburden, or impair the functioning thereof or interfere with, disrupt, o | | etitive purposes or publish any benchmark or performance information, or (vii) u |
| r negatively affect other users. | | se any Plaid Account or related Plaid systems in any manner that could damage, d |
| | | isable, overburden, or impair the functioning thereof or interfere with, disrupt |
| | | , or negatively affect other users. |
| You acknowledge and understand that you are responsible for the data that you sa | | You acknowledge and understand that you are responsible for the data that you sa |
| ve in your Plaid Account. You will not provide any data that is: (i) defamatory, | | ve in your Plaid Account. You will not provide any data that is: (i) defamatory, |
| abusive, harassing, threatening, or an invasion of a right or the privacy of an | | abusive, harassing, threatening, or an invasion of a right or the privacy of an |
| other person; (ii) bigoted, hateful, or racially or otherwise offensive; (iii) v | | other person; (ii) bigoted, hateful, or racially or otherwise offensive; (iii) v |
| iolent, vulgar, obscene, pornographic, or otherwise sexually explicit; (iv) trad | | iolent, vulgar, obscene, pornographic, or otherwise sexually explicit; (iv) trad |
| emarked or copyrighted content, or content that otherwise infringes on the intel | | emarked or copyrighted content, or content that otherwise infringes on the intel |
| lectual property rights of another individual or company; or (v) otherwise harmf | | lectual property rights of another individual or company; or (v) otherwise harmf |
| ul or can be reasonably expected to be harmful to any person or entity. Any unau | | ul or can be reasonably expected to be harmful to any person or entity. Any unau |
| thorized use of a Plaid Account is strictly prohibited and may result in deletio | | thorized use of a Plaid Account is strictly prohibited and may result in deletio |
| n of your Plaid Account. | | n of your Plaid Account. |
| Wireless Device and SMS Terms. Plaid may send you Short Message Service (SMS) me | | Wireless Device and SMS Terms. Plaid may send you Short Message Service (SMS) me |
| ssages in order to provide a service to you and/or to confirm your identity by w | | ssages in order to provide a service to you and/or to confirm your identity by w |
| ay of two-factor authentication. You consent to receive automated SMS messages f | | ay of two-factor authentication. You consent to receive automated SMS messages f |
| rom Plaid, and any of our SMS-related service providers, including through the u | | rom Plaid, and any of our SMS-related service providers, including through the u |
| se of an automatic telephone dialing system, at the telephone number you have pr | | se of an automatic telephone dialing system, at the telephone number you have pr |
| ovided. Message and data rates may apply. As a general matter, you will receive | | ovided. Message and data rates may apply. As a general matter, you will receive |
| one message per request. Carriers are not liable for delayed or undelivered mess | | one message per request. Carriers are not liable for delayed or undelivered mess |
| ages. | | ages. |
| You authorize your wireless carrier to use or disclose information about your ac | | You authorize your wireless carrier to use or disclose information about your ac |
| count and your wireless device, if available, to Plaid or our service provider f | | count and your wireless device, if available, to Plaid or our service provider f |
| or the duration of your business relationship, solely to help Plaid or our servi | | or the duration of your business relationship, solely to help Plaid or our servi |
| ce provider identify you or your wireless device and to prevent fraud. Please se | | ce provider identify you or your wireless device and to prevent fraud. Please se |
| e our End User Privacy Policy to see how we treat your data. | | e our End User Privacy Policy to see how we treat your data. |
| The information your wireless carrier may disclose may include mobile number, na | | The information your wireless carrier may disclose may include mobile number, na |
| me, address, email, network status, customer type, customer role, billing type, | | me, address, email, network status, customer type, customer role, billing type, |
| and mobile device identifiers (IMSI and IMEI). No mobile information will be sha | | and mobile device identifiers (IMSI and IMEI). No mobile information will be sha |
| red with third parties or affiliates for marketing or promotional purposes. Text | | red with third parties or affiliates for marketing or promotional purposes. Text |
| messaging originator opt-in data and consent information will not be shared wit | | messaging originator opt-in data and consent information will not be shared wit |
| h any third parties. | | h any third parties. |
| If you do not wish to receive SMS messages from Plaid or our service providers, | | If you do not wish to receive SMS messages from Plaid or our service providers, |
| or if you no longer want your wireless operator to share information about you w | | or if you no longer want your wireless operator to share information about you w |
| ith Plaid or our service providers, you agree to reply STOP to any SMS message f | | ith Plaid or our service providers, you agree to reply STOP to any SMS message f |
| rom Plaid or sent on behalf of Plaid in order to opt out of the SMS message noti | | rom Plaid or sent on behalf of Plaid in order to opt out of the SMS message noti |
| fications. You may receive an additional SMS message confirming your decision to | | fications. You may receive an additional SMS message confirming your decision to |
| opt out. After opting out of SMS messages, you will no longer receive messages | | opt out. After opting out of SMS messages, you will no longer receive messages |
| from Plaid or our service providers unless you subsequently request SMS messages | | from Plaid or our service providers unless you subsequently request SMS messages |
| from us or sign up for any of our services, such as a Plaid Account, that requi | | from us or sign up for any of our services, such as a Plaid Account, that requi |
| re sending you SMS messages. | | re sending you SMS messages. |
| n | If you are experiencing issues with the SMS messages from Plaid or our service p | n | If you are experiencing issues with the SMS messages from Plaid or our service p |
| roviders, you can reply with the keyword HELP for more assistance, or you can vi | | roviders, you can reply with the keyword HELP for more assistance, or you can co |
| sit https://my.plaid.com/help . | | ntact login+sms@plaid.com. |
| Persons under the age of 18 may not create a Plaid Account. By creating and usin | | Persons under the age of 18 may not create a Plaid Account. By creating and usin |
| g your Plaid Account, you represent and warrant that you are 18 years old or old | | g your Plaid Account, you represent and warrant that you are 18 years old or old |
| er. If you have reason to believe that a person under 18 years of age is using o | | er. If you have reason to believe that a person under 18 years of age is using o |
| ur Services, please contact us at privacy@plaid.com and, upon confirmation, we w | | ur Services, please contact us at privacy@plaid.com and, upon confirmation, we w |
| ill delete the relevant Plaid Account, subject to and in compliance with our req | | ill delete the relevant Plaid Account, subject to and in compliance with our req |
| uirements under applicable law. | | uirements under applicable law. |
| Security. Plaid implements technical and organizational measures designed to saf | | Security. Plaid implements technical and organizational measures designed to saf |
| eguard your Plaid Account from unauthorized access, use, alteration, or disclosu | | eguard your Plaid Account from unauthorized access, use, alteration, or disclosu |
| re and to maintain the security, confidentiality, and integrity of your data. Ho | | re and to maintain the security, confidentiality, and integrity of your data. Ho |
| wever, we encourage you to take responsibility for securing your Plaid Account a | | wever, we encourage you to take responsibility for securing your Plaid Account a |
| nd other personal information, knowing that you provide it at your own risk. If | | nd other personal information, knowing that you provide it at your own risk. If |
| you believe your Plaid Account has been compromised, please contact us immediate | | you believe your Plaid Account has been compromised, please contact us immediate |
| ly at privacy@plaid.com. | | ly at privacy@plaid.com. |
| Miscellaneous. Any capitalized terms used but not defined in these Plaid Account | | Miscellaneous. Any capitalized terms used but not defined in these Plaid Account |
| Terms will have the meanings ascribed to them in the End User Services Agreemen | | Terms will have the meanings ascribed to them in the End User Services Agreemen |
| t (US). In the event of a conflict between these Plaid Account Terms and the End | | t (US). In the event of a conflict between these Plaid Account Terms and the End |
| User Services Agreement (US), these Plaid Account Terms will control and prevai | | User Services Agreement (US), these Plaid Account Terms will control and prevai |
| l as applicable to your use of a Plaid Account; provided that all other provisio | | l as applicable to your use of a Plaid Account; provided that all other provisio |
| ns of the End User Services Agreement (US) will remain in full force and effect. | | ns of the End User Services Agreement (US) will remain in full force and effect. |
| By accepting the Agreement or creating, accessing, managing, or using your Plai | | By accepting the Agreement or creating, accessing, managing, or using your Plai |
| d Account, you agree to the Agreement and certify that you have all the necessar | | d Account, you agree to the Agreement and certify that you have all the necessar |
| y rights to do so. If you do not agree to the Agreement, please do not create, a | | y rights to do so. If you do not agree to the Agreement, please do not create, a |
| ccess, manage, or use a Plaid Account. If, at any time, you no longer agree to t | | ccess, manage, or use a Plaid Account. If, at any time, you no longer agree to t |
| he Agreement, you may delete your Plaid Account. Plaid, in our sole discretion, | | he Agreement, you may delete your Plaid Account. Plaid, in our sole discretion, |
| may disable or delete a Plaid Account if (a) we suspect any violation of any of | | may disable or delete a Plaid Account if (a) we suspect any violation of any of |
| the terms contained in the Agreement, (b) your Plaid Account is unused and remai | | the terms contained in the Agreement, (b) your Plaid Account is unused and remai |
| ns inactive for an extended period of time, (c) we suspect any unauthorized use | | ns inactive for an extended period of time, (c) we suspect any unauthorized use |
| of your Plaid Account, or (d) we are legally obligated to do so. Plaid reserves | | of your Plaid Account, or (d) we are legally obligated to do so. Plaid reserves |
| the right to seek all other available remedies, in law or in equity, in connecti | | the right to seek all other available remedies, in law or in equity, in connecti |
| on with such any issue. | | on with such any issue. |