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
Because the threshold is Ramp's reasonable discretion belief that a violation may have occurred—not a confirmed violation—Ramp can act before any breach is established.
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.
View change record →The reader's account, Services, and Cards can be limited, suspended, or terminated based on Ramp's reasonable discretion belief that a violation may have occurred, even if one has not been confirmed.
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you agree that Company may either terminate or suspend your subscription and continue to attempt to charge your Payment Provider until payment is received...
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"Ramp may therefore limit, suspend, or terminate Company's Ramp Account, access to the Services, or Cards if Ramp believes in its reasonable discretion that the Agreement may be or was violated...Excerpt from Ramp's Terms of Service
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Because the threshold is Ramp's reasonable discretion belief that a violation may have occurred—not a confirmed violation—Ramp can act before any breach is established.
The reader's account, Services, and Cards can be limited, suspended, or terminated based on Ramp's reasonable discretion belief that a violation may have occurred, even if one has not been confirmed.
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