Ramp Terms of Service

What changed Ramp updated its Platform Agreement dated October 8, 2026, with multiple substantive changes. The company replaced references to 'order document' with 'Order Form' throughout; restructured its tax liability section to clarify that Company is responsible for all taxes except those based on Ramp's income, property, or employees, and added procedures for Ramp to invoice taxes separately when legally required and for Company to self-assess taxes where applicable. Ramp also added a new provision stating that if Company uses a Card funded by Stablecoin Assets, the Stablecoin Card Addendum governs that Card; introduced a new section on Generated Content clarifying that Company owns output generated by a SaaS Service specifically for Company, subject to limitations on Ramp Property embedded therein and third-party rights; moved the AI training restriction into a new subsection and added a requirement that Company comply with Ramp's Acceptable Use Policy; and corrected spelling of 'licence' to 'license' in multiple places.

Why this matters The updated terms clarify tax responsibilities: Company is responsible for all taxes associated with purchases except taxes based on Ramp's income, property, or employees. Where Ramp is legally required to collect taxes, Ramp will invoice them separately and Company must pay unless Company provides a valid exemption certificate. Company must also keep tax registration information current and self-assess taxes where applicable law requires it. For users of stablecoin-funded cards, the new Stablecoin Card Addendum now governs those cards. For users generating content via Ramp SaaS services, Company owns the Generated Content but must review it for accuracy, infringement, and third-party rights issues before use, and Ramp retains ownership of any Ramp Property embedded in that content.

What changed Ramp updated its Platform Agreement (dated September 22, 2026) with several operational and legal clarifications. The agreement now limits Ramp's termination-without-cause right to accounts that have not purchased Subscription Services, meaning subscription customers cannot be terminated without cause on 30 days' notice. The terms also expanded warranty disclaimers to explicitly cover 'conditions' and 'representations' alongside warranties, added a commitment to limit Personal Data collection through integrations to what is 'reasonably necessary,' clarified that data use must comply with applicable law, and added a Canada Regional Schedule establishing Ramp Business Canada Corporation as the contracting entity for Canadian customers.

Why this matters The updated terms establish stronger protections for subscription customers by removing Ramp's ability to terminate their accounts without cause on 30 days' notice. Non-subscription business accounts remain subject to termination without cause. The agreement also clarifies that Ramp will limit collection of Personal Data accessed through third-party integrations to what is 'reasonably necessary for the provision of the Services,' and that all data use must comply with applicable law. Warranty disclaimers have been expanded to explicitly cover conditions and representations, not just warranties. Canadian customers now contract with a Canadian entity (Ramp Business Canada Corporation) under supplemental terms.