This analysis describes what Ramp's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
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.
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"It is not opening or using its Ramp Account for consumer purposes.Excerpt from Ramp's Terms of Service
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The clause states: “It is not opening or using its Ramp Account for consumer purposes.”
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