Method End User Terms

Happy Money, Inc. (“Company”) uses services provided by Forward Lending, Inc. d/b/a Method Financial (“Service Provider”) in connection with the Direct Card Payoff™ services (the “Services”). The services provided by Service Provider include data access, which may include credit card account information from a soft credit pull and/or third-party financial institution, and electronic payment services.

By agreeing to these terms, You represent and warrant to Company and Service Provider that: (1) You shall comply with all applicable law and these terms in connection with your use of the Services, You are a resident of the United States, and all information that You provide to Company and Service Provider is accurate and complete; and (2) if You link Your bank or credit union account in connection with the Services, You control the referenced account.

By agreeing to these terms, You expressly authorize: (1) Company to collect Your personal data and share Your data with Service Provider for the purpose of enabling the Services, including the provisioning and support of You as an end user, if applicable; (2) Service Provider to collect Your personal data, including credit card account information from a soft credit pull and/or third-party financial institution, and share Your data with Company for the purpose of enabling the Services; and (3) Service Provider to originate funds transfers according to Your instructions.

By using the Services, You accept the Method Terms of Service and Method Privacy Policy. Subject to any delays caused by financial institutions independent of the Service Provider’s platform or delays due to fraud or compliance reviews initiated by Service Provider, transfers will normally process within four (4) banking days, however, transfer times are not guaranteed in any way. Service Provider may decline, restrict, or otherwise limit any transaction and/or Your ability to use Service Provider’s services in accordance with applicable law and/or Service Provider’s risk management policies. Company shall provide to You (a) necessary notifications, including payment activity notifications if any, and (b) necessary support, including regarding payment activity and dispute resolution, in connection with Your use of the Services.

For assistance with the Services, please visit https://happymoney.com/support or contact Happy Money, Inc. at support@happymoney.com or 1-800-878-0901 (Mon-Fri: 6am-6pm (PT), and Sat: 6am-2:30pm (PT)).