Provision record
Zelle · Zelle Terms of Service · View original document ↗

$100 Aggregate Liability Cap

Medium severity Medium confidence Explicit document language Unique · 0 of 352 platforms
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Document Record

What it is

In jurisdictions where full exclusion of consequential or incidental damages is not permitted, the terms cap the Zelle Network's total financial liability to any user at $100.00, to the extent permitted by applicable law.

This analysis describes what Zelle'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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

This provision establishes a $100.00 ceiling on the Zelle Network's financial liability in states where broader damage exclusions cannot be fully enforced, which applies to claims arising from site use, content inaccuracies, and related matters. The practical scope of this cap depends on state law and is qualified by 'to the greatest extent permitted by law.'

Interpretive note: Enforceability of the $100.00 cap varies by jurisdiction; the clause is qualified by 'to the greatest extent permitted by law,' meaning actual limits depend on state-specific consumer protection statutes.

Consumer impact (what this means for users)

Under this clause, the maximum financial recovery available from the Zelle Network for site-related claims in states that do not permit full damage exclusions is stated as $100.00. The agreement also states that a dissatisfied user's sole and exclusive remedy is to discontinue using the website.

Cross-platform context

See how other platforms handle $100 Aggregate Liability Cap and similar clauses.

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▸ View Original Clause Language DOCUMENT RECORD
"
IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF THE ZELLE® NETWORK, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED $100.00.

Excerpt from Zelle's Terms of Service

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

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Insight

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Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • Consumer Financial Protection Bureau (cfpb)
    Regulates consumer financial products and services. Can investigate companies for unfair, deceptive, or abusive financial practices including improper fees, billing errors, and data misuse.
    Who can file: Anyone who has used a consumer financial product or service in the US
    What you need: Account number or details, dates of transactions or events, description of the issue, and any supporting documents
    What to expect: The company must respond within 15 days. The CFPB forwards your complaint and may use it in enforcement actions. Individual compensation is possible in some cases.
    File a complaint →
  • Federal Trade Commission (ftc)
    Oversees unfair or deceptive business practices and can investigate companies that mislead consumers about data collection, sharing, or use.
    Who can file: Anyone affected by the company's practices (US or international)
    What you need: Your account details, a timeline of relevant events, and a description of the specific issue
    What to expect: Complaints inform FTC enforcement priorities and investigations but do not result in individual resolution or compensation
    File a complaint →

Provision details

Document information
Document
Zelle Terms of Service
Entity
Zelle
Document last updated
May 5, 2026
Tracking information
First tracked
July 12, 2026
Last verified
July 12, 2026
Record ID
CA-P-074235
Document ID
CA-D-00426
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
d894b5e148d07d0f7e9ae7b92761574843930af94d59f54cd8bf23bab32e24b6
Analysis generated
July 12, 2026 14:43 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Zelle
Document: Zelle Terms of Service
Record ID: CA-P-074235
Captured: 2026-07-12 14:43:12 UTC
SHA-256: d894b5e148d07d0f…
URL: https://conductatlas.com/platform/zelle/zelle-terms-of-service/provision/CA-P-074235/100-aggregate-liability-cap/
Accessed: Sept. 11, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does Zelle's $100 Aggregate Liability Cap clause do?

This provision establishes a $100.00 ceiling on the Zelle Network's financial liability in states where broader damage exclusions cannot be fully enforced, which applies to claims arising from site use, content inaccuracies, and related matters. The practical scope of this cap depends on state law and is qualified by 'to the greatest extent permitted by law.'

How does this clause affect you?

Under this clause, the maximum financial recovery available from the Zelle Network for site-related claims in states that do not permit full damage exclusions is stated as $100.00. The agreement also states that a dissatisfied user's sole and exclusive remedy is to discontinue using the website.

Is ConductAtlas affiliated with Zelle?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Zelle.