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

Delaware Governing Law and FAA for Dispute Resolution

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Document Record

What it is

The terms state that Delaware law governs these Terms, with the exception of Section 10, which is governed by the Federal Arbitration Act, indicating the presence of an arbitration provision.

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 Delaware as the governing law for site-level terms and designates the FAA as the governing framework for Section 10, which by reference indicates an arbitration clause. The interaction between the FAA carve-out and Delaware consumer law creates a dual-framework structure for dispute resolution that may affect users' ability to rely on state-specific consumer protections.

Interpretive note: Section 10, which is governed by the FAA and likely contains the arbitration clause, is referenced but not reproduced in this document, making full assessment of the arbitration framework impossible from this text alone.

Consumer impact (what this means for users)

Under this clause, disputes arising from site use are governed by Delaware law, while any arbitration-related provisions in Section 10 are governed by the FAA. The specific content of Section 10 is referenced but not reproduced in this document, limiting visibility into the full arbitration framework.

Cross-platform context

See how other platforms handle Delaware Governing Law and FAA for Dispute Resolution and similar clauses.

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▸ View Original Clause Language DOCUMENT RECORD
"
With the exception of Section 10 which will be construed in accordance with the FAA, these Terms shall be governed by, construed and enforced in accordance with the laws of the State of Delaware.

Excerpt from Zelle's Terms of Service

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

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Insight

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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 →

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-074240
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-074240
Captured: 2026-07-12 14:43:12 UTC
SHA-256: d894b5e148d07d0f…
URL: https://conductatlas.com/platform/zelle/zelle-terms-of-service/provision/CA-P-074240/delaware-governing-law-and-faa-for-dispute-resolution/
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 Delaware Governing Law and FAA for Dispute Resolution clause do?

This provision establishes Delaware as the governing law for site-level terms and designates the FAA as the governing framework for Section 10, which by reference indicates an arbitration clause. The interaction between the FAA carve-out and Delaware consumer law creates a dual-framework structure for dispute resolution that may affect users' ability to rely on state-specific consumer protections.

How does this clause affect you?

Under this clause, disputes arising from site use are governed by Delaware law, while any arbitration-related provisions in Section 10 are governed by the FAA. The specific content of Section 10 is referenced but not reproduced in this document, limiting visibility into the full arbitration framework.

Is ConductAtlas affiliated with Zelle?

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