Governance document

CA-D-000533

Brex Terms of Service

Brex

Last change detected July 12, 2026 Terms of service

SHA-256: fb027dcfe264e6e546c… 1 version captured 0 changes documented

Get the research letter

Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.

View original document at Brex ↗

This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology

120 Total

58 High severity

59 Medium severity

3 Low severity

Key Facts

For what purposes must Company and its Entities use Brex Account(s)?

Brex requires that Company and its Entities use Brex Account(s) exclusively for business purposes and not for any personal, family, or household use.

What does Brex require the reader to authorize?

Brex requires the reader to authorize Brex and its successors and assigns to collect amounts owed by debiting funds from current and previously Linked Accounts at financial institutions.

May Brex debit funds from Linked Accounts to collect amounts owed?

Brex requires the reader to authorize Brex and its successors and assigns to collect amounts owed by debiting funds from current and previously Linked Accounts at financial institutions.

Can Brex take actions to protect Brex, its customers, and others in its sole discretion?

Brex may take a number of actions to protect Brex, its customers, and others at any time, in its sole discretion and with or without notice.

May Brex take actions with or without notice?

Brex may take a number of actions to protect Brex, its customers, and others at any time, in its sole discretion and with or without notice.

Does Brex prohibit arbitration from proceeding on a class, representative, or collective basis?

Brex prohibits any arbitration from proceeding on a class, representative, or collective basis, and prohibits both parties from participating as a plaintiff or class member in any purported class or representative action.

May both parties participate as a plaintiff or class member in any purported class or representative action?

Does Brex require the reader to grant Brex a license to use Company Data?

Brex requires the reader to grant Brex a worldwide, irrevocable license to use, modify, distribute, copy, and create derivative works from Company Data for the purposes identified in the Platform Agreement.

What purposes can Brex use, modify, and distribute Company Data for?

For what is Company responsible and liable?

Brex holds Company responsible and liable for the actions or failures to act of all Users who use or access the Services through Company's Brex Account, including any breach or violation of the Platform Agreement.

Stay ahead of the changes

Track Brex and get the diff the day its terms change.

Monitor Brex + up to 20 platforms — $4.99/mo →

Featured, High severity

Account exclusively for business purposes Compare →

The exclusive-business-use requirement defines the entire permitted scope of the account relationship, meaning any personal use constitutes a violation of the agreement.

Added July 12, 2026 Standard Seen across 282 platforms
Authorization to automatically debit Linked Accounts Compare →

The authorization extends not only to currently linked accounts but also to previously linked accounts, meaning prior banking relationships remain subject to collection debits.

Added July 12, 2026 Standard Seen across 231 platforms
Brex may take broad enforcement actions at sole discretion Compare →

The combination of sole discretion, any-time applicability, and the option to act without notice means Brex can act unilaterally and immediately without prior warning.

Added July 12, 2026 Standard Seen across 277 platforms
Class and representative actions are prohibited Compare →

This clause eliminates the ability to pool claims with other affected users, requiring each dispute to be resolved individually, which can reduce the practical viability of pursuing small claims.

Added July 12, 2026 Standard Seen across 206 platforms
Company grants Brex worldwide irrevocable license to Company Data Compare →

The irrevocable nature of the license means the reader cannot withdraw Brex's rights to Company Data even after the agreement ends, for the identified purposes.

Added July 12, 2026 Standard Seen across 279 platforms
Company liable for all User actions and violations Compare →

Company bears full liability for user conduct it may not have directly authorized or been aware of, extending accountability beyond the company's own direct actions.

Added July 12, 2026 Standard Seen across 229 platforms
Company must indemnify Brex and Service Partners Compare →

The indemnification obligation covers a broad set of covered parties and an open-ended category of losses, meaning the reader bears financial exposure for claims brought against Brex and its partners.

Added July 12, 2026 Standard Seen across 229 platforms
Company must promptly notify Brex of material changes Compare →

The notification obligation creates a proactive disclosure duty, and the stated consequence of non-compliance—fines, losses, damages, and expenses—underscores the financial risk of failing to report promptly.

Added July 12, 2026 Standard Seen across 273 platforms
Consumer protection laws do not apply Compare →

By acknowledging that consumer protection laws do not apply, the reader accepts that legal protections available to individual consumers—including dispute rights under laws like Regulation E—are unavailable in this context.

Added July 12, 2026 Standard Seen across 287 platforms
Either party may elect binding arbitration for Disputes Compare →

Because either party can elect arbitration at its sole election, Brex can unilaterally compel binding arbitration on any dispute, foreclosing court litigation whenever Brex chooses.

Added July 12, 2026 Standard Seen across 206 platforms
Exclusion of consequential and punitive damages Compare →

The exclusion covers a wide range of damage categories, including lost profits and physical injury, substantially limiting the types of harm for which the reader can seek compensation from Brex.

Added July 12, 2026 Standard Seen across 287 platforms
Maximum liability capped at 12 months of Fees paid Compare →

The cap ties the maximum recoverable amount to historical fee payments, which may be very low or zero for readers who paid little or nothing in fees, substantially limiting recoverable damages.

Added July 12, 2026 Standard Seen across 287 platforms