Consumer Terms of Service

Welcome!

Last updated: July 9, 2026

1. Introduction and Scope

These Consumer Terms of Service ("Terms of Service" or "Terms") are a legal agreement between us ( "us", "our", "we", or "Stripe") and you (referred to as "you" or "your"), the individual who uses one or more of the products and services we offer for your personal use under these Terms (each service offered to you, a "Consumer Service"). The following Terms are a legally binding agreement between you and us, and it describes the terms and conditions applicable to your use of our Consumer Services. By using our Consumer Services, you agree to be bound by these Terms, and any new features or tools that are added will also be subject to these Terms. The Stripe entity with which you are entering into these Terms depends on your location and the specific Consumer Service used and can be found here.

These general Terms apply to all of our Consumer Services that reference these Terms. Businesses that use the Consumer Services described in these Terms are subject to these Terms even if used for business purposes and the business using the Consumer Service is referred to as "you" or "your." Businesses that use Stripe products and services offered under the Stripe Services Agreement are referred to as "Business Users."

2. Additional Terms That Apply to You

The following additional policies and terms also apply when you access or use the Consumer Services, all of which are incorporated by reference into these Terms:

  • Arbitration Agreement. IF YOU ARE LOCATED IN THE UNITED STATES, YOU AGREE TO OUR ARBITRATION AGREEMENT, WHICH REQUIRES YOU TO RESOLVE DISPUTES BETWEEN YOU AND STRIPE ON AN INDIVIDUAL BASIS THROUGH ARBITRATION, PROHIBITS YOU FROM MAINTAINING OR PARTICIPATING IN A CLASS ACTION LAWSUIT, WAIVES YOUR RIGHT TO A  JURY TRIAL, AND LIMITS THE TIME IN WHICH A CLAIM MAY BE BROUGHT.
  • Link E-Sign Disclosure. You agree to the Link E-Sign Disclosure. It provides that we will communicate with you electronically. Your electronic agreement has the same effect as if you sign in ink, and you agree to receive notices through our Consumer Services.
  • Privacy Policy. You acknowledge the Privacy Policy. Stripe and the Business User are independent controllers of personal data collected in conjunction with the Consumer Services and will independently and separately determine the purposes and means of its processing of personal data.  We may transfer your personal data to countries other than your own country, including the United States. Please read the Privacy Policy carefully to understand how your information is collected, used, and shared in connection with these Consumer Services.  Learn more by reviewing Link's Privacy Center.
  • Product-Specific Terms. A Consumer Service may have specific terms that apply when you use that particular Consumer Service. These product-specific Terms are listed in the left-hand menu.
  • Acceptable Use Policy. Your use of a Consumer Service is subject to Stripe's Acceptable Use Policy.

We may revise these Terms from time to time. We will use reasonable efforts to notify you of material changes to these Terms in advance of their effectiveness, including by posting notice on the applicable Consumer Services or providing notice via an email address associated with you. The revised Terms will be effective on the date stated in the revised Terms. By using a Consumer Service after any revisions become effective, you agree to those changes. If you do not agree with any changes to these Terms, you must stop using the Consumer Services.

3. Eligibility

You may only enter into these Terms if you are over the age of majority and able to enter into a legally binding contract in the country in which you reside.

You must not use the Consumer Services if you have previously been terminated or suspended from using any of our services, including any Consumer Service. You may not enter into the Terms or use any Consumer Service if you are the target of government sanctions, such as those applied by the U.S. Department of the Treasury Office of Foreign Assets Control, or any other national government.

You must be eligible for the particular Consumer Services to the extent they are available in your country. If we present an incorrect country for you or you move countries, then you must correct the country in your account or contact support before using the Consumer Services again.

4. Stripe's Role

Stripe offers and provides you with the Consumer Services described in these Terms. You, and not Stripe, are responsible for the purchases you make using the Consumer Services. The Business User, and not Stripe, is responsible for the goods or services that you may purchase from them using the Consumer Services, including but not limited to quality of goods, returns, accuracy, refunds (except as stated in the Sold Through Link Terms), fraud, advertising, protection of intellectual property rights, liability relating to the Business User's products or services, or non-compliance with applicable law. If you purchased digital goods or digital services from a Business user that is stated as "Sold through Link" (each purchase, an "Order"), then Stripe may have additional responsibilities to you as described in the "Sold Through Link Terms".

Your access to and use of the Consumer Services does not change your relationship with the Business User, third party services or platforms or with your bank or credit or debit card company.

Except as provided otherwise in these Terms, Stripe will not intervene in any dispute between you and a Business User for any transactions using the Consumer Services. If you find yourself in a dispute with a Business User or a third party, we encourage you to contact the other party and try to resolve the dispute. If you choose to contact Stripe's support team regarding a Business User, you acknowledge that we may, but are not required to, forward information about your issue, such as your email address and a summary of your issue to the Business User with a request that they contact you directly to resolve your concern. Except as provided otherwise in these Terms, Stripe will not make judgments regarding factual disputes or legal issues or claims between you and the Business User, and Stripe has no obligation to resolve any disputes.

5. Identification and Prevention of Fraud

You agree that:

  • Information you provide about yourself and your use of the Consumer Services must be complete and accurate as of the time provided, and you must keep this information up-to-date;
  • To the extent law allows, we and our service providers may verify your identity, except as otherwise provided in product-specific terms.
  • You must notify us immediately if you become aware of any unauthorized use or access to your account. You are responsible for any actions taken through the use of your credentials, except for actions taken after you have told us that your account or credentials have been compromised.

6. Communications via Text, Push Notification, Email, and Phone

To the extent allowable under law, by providing us with a phone number, you consent to receiving text (SMS) messages, push notifications, and phone calls from us. Such communications may include, but are not limited to, requests for authentication, receipts, reminders, notifications regarding updates to your account or account support, requests for product feedback, and marketing or promotional communications. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using any Consumer Service. Call and text message communications may be generated by automatic telephone dialing systems. Standard message and data rates your cell phone carrier applies may apply to the text messages we send you.

You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails or by managing your communications preferences in the app. You may opt-out of text messages from Stripe by replying STOP or by following instructions that you receive in the text message. You may opt-out of phone calls by notifying the caller or by contacting support. You acknowledge that opting out of receiving communications may impact your use of Consumer Services.

7. Our Intellectual Property Rights

We reserve all rights not expressly granted to you in these Terms. The Consumer Services are protected by trademark, copyright, patent and other laws of the United States and other countries. We own all rights, title, interest in and to the Consumer Services and all copies of the Consumer Services, and all Intellectual Property Rights in them. Your use of the Consumer Services is subject to these Terms, and these Terms do not grant you any rights to our Intellectual Property Rights or the Intellectual Property Rights of our licensors, licensees, or partners.

For the purposes of these Terms, "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.

8. Feedback

You may choose to submit feedback, ideas and suggestions about the Consumer Services, but it is never required. You may provide us with feedback on the Consumer Services by contacting support. You agree that we may use, integrate, and share all feedback, ideas, and suggestions you submit for any purpose and without compensation or obligation to you. You assign to us all rights, title and interest to any feedback, ideas and suggestions, including the right to use, modify and integrate them in any manner.

9. Termination

Termination by Us: We may terminate these Terms (or any part), and we may limit, suspend, change, or remove your access to any or all Consumer Services, including any feature or aspect of the Consumer Services, at any time for any reason. If commercially reasonable, we will take reasonable steps to notify you before taking any action that restricts your access to the Consumer Services. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, we may terminate these Terms at any time without notice to you and accordingly we may terminate your access to the Consumer Services.

Termination by You: Subject to any product-specific Terms below, you may terminate any Consumer Service at any time and for any reason by terminating the Consumer Service or closing or deleting your account as described below in the Link Account Terms. Termination will be effective on the date that your account is closed.

Effect of Termination. Upon termination, you will not have any further use of or access to the Consumer Services. Subject to applicable law, you will also not have any use of or access to any information you submitted through the Consumer Services, and all rights granted under these Terms will end. Termination does not relieve you of your obligations to pay amounts owed to Stripe, Business Users, or any other obligation contracted prior to termination. Termination does not revoke any third-party payment authorizations. The following provisions will survive even after these Terms terminate: Arbitration Agreement, Our Intellectual Property, Feedback, Disclaimer of Warranties, Limitation of Liability, Governing Law, Assignment and Third Party Beneficiaries, and Miscellaneous Terms.

10. Disclaimer of Warranties

You release Stripe from any claims, demands, and damages arising out of disputes relating to your use of the Consumer Services or your placement of an Order, including those disputes with other Business Users or parties.

We, our affiliates, and our respective agents, and contractors (together, the "Disclaiming Entities") make no warranties with respect to the products, services or information provided by Business Users to you. You agree, with respect to any claim regarding the products, service or information provided by Business Users to you, that the Disclaiming Entities are not responsible or liable for, and you release the Disclaiming Entities from all claims, demands and damages, including but not limited to: (a) product liability claims related to Business User products; (b) claims that the offer or sale of Business User products or services fails to conform to any applicable legal or regulatory requirement; (c) claims about Business Users' products, services, or practices arising under consumer protection or similar legislation; (d) claims based on any inaccurate, incomplete or out of date information offered by a Business User; (e) claims of infringement of intellectual property rights by the Business User; or (f) claims about any third party platform where you may interact with or purchase from. Your recourse for claims related to the products or services that you purchase from a Business User is against the Business User and not the Disclaiming Entities.

Subject to statutory consumer guarantees, which will apply irrespective of this disclaimer, the Consumer Services are provided "as-is" and without any representation or warranty, whether express or implied. The Disclaiming Entities and Business Users make no representation or warranty of any kind whatsoever (other than those implied by statute) with respect to the Consumer Services or the content, materials, information and functions we make accessible, and specifically disclaim all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not promise that the Consumer Services will be uninterrupted, error-free, free from cyber attacks, or secure.

The Disclaiming Entities do not control or make any warranties regarding the products or services others or Business Users provide in connection with your Orders or the Consumer Services. In other words, we do not have control over the businesses from which you're purchasing when using the Consumer Services, and we do not promise or imply that the products or services you buy using the Consumer Services will work as promised or be safe to use.

Some laws limit or prohibit disclaiming the warranties referred to in the previous paragraphs, or impose obligations on us that we can't eliminate with these Terms. In those case, this section (Disclaimer of Warranties) does not restrict, exclude or modify any consumer rights under any applicable law.

11. Limitation of Liability

The Disclaiming Entities and Business Users will not be liable to you for any failure to perform our obligation under these Terms due to a Force Majeure Event. A "Force Majeure Event" is any event beyond the control of the Disclaiming Entities that significantly impacts Stripe's ability to perform its obligations under these Terms, including a strike or other labor dispute; labor shortage, stoppage or slowdown; supply chain disruption; embargo or blockade; telecommunication breakdown; cyber blackout; power outage or shortage; inadequate transportation service; inability or delay in obtaining adequate supplies; weather; earthquake; fire; flood; act of God; riot; civil disorder; civil or government calamity; epidemic; pandemic; state or national health crisis; war; invasion; hostility (whether war is declared or not); terrorism threat or act; Law; or act of a Governmental Authority.

Subject to applicable consumer laws in your country, which will apply irrespective of this limitation of liability, the Disclaiming Entities will not be liable to you for any failure to perform our obligations under these Terms where performance of that obligation would have put us in violation of applicable law.

The Disclaiming Entities will not be liable to you in any circumstances for:

(a) Loss of business, loss of goodwill, loss of opportunity, or loss of profit; or

(b) Any loss that we could not have reasonably anticipated.

Subject to the specific product Terms below and applicable consumer laws in your country, in no event will a Disclaiming Entity's liability arising out of or in connection with these Terms exceed the greater of $200 USD or, if applicable, the amount you paid for the Order on which your claim is based.

You and we agree that the other has relied on the disclaimer of warranties and limitation of liability stated above in entering into these Terms, the limitation and disclaimer are essential to the agreement between you and us under these Terms, and they will apply to the fullest extent allowed by law.

Some laws restrict our ability to disclaim or limit our liability. In those cases, this section does not restrict, exclude or modify any consumer rights under any applicable law.

12. Governing Law

If you reside in the United States, California law will govern any claim or dispute between you and us that arises out of these Terms, regardless of conflict of law principles.

If you reside outside of the United States, your governing law is specified here.

13. Assignment and Third-Party Beneficiaries

You must not assign your rights or obligations under these Terms to anyone without our prior written consent. We may delegate performing our obligations, and we may assign our rights and novate our obligations under these Terms to Stripe affiliates, at any time for any reason by providing notice to you.

14. Miscellaneous Terms

These Terms, together with the Arbitration Agreement (if applicable), E-Sign Agreement, the Acceptable Use Policy, and the product-specific Terms below are the only agreement between you and us regarding the Consumer Services. In the event of an irreconcilable conflict or inconsistency between a provision in these Terms and any product-specific Terms below, the provision in the product-specific Terms will govern. These Terms do not create any partnership, joint venture, or other agency relationship between you and us. If we do not immediately exercise a right we have under these Terms, we do not waive that right. We retain our ability and right to enforce any part of these Terms at a later time. If any part of these Terms is found unenforceable, that part will be ignored, and all of the remaining terms will remain in effect.

15. Terms Applicable to Artificial Intelligence Commerce Platform Purchases

When you use Link to purchase goods or services from a Business User selling on an Artificial Intelligence (AI) commerce platform, you authorize your credit card, debit card, or other payment method on file with Link or the AI commerce platform to be charged for the purchase of those goods or services from the Business User.

You agree that Stripe, the AI commerce platform, or the Business User will obtain an authorization to cover the cost of the goods or services you have purchased from the Business User and that you will be charged for the goods or services purchased by you and any applicable taxes and/or fees.

The Business User, not Stripe or the AI commerce platform, is the seller of the goods or services to you. You agree that your purchase is being made from the Business User, that the Business User is the merchant of record, and that title to any goods passes to you when the goods are purchased from the applicable Business User. If you have an issue with your purchase or related delivery, you must contact the Business User from which your goods or services were purchased to resolve the issue. You agree that any returns or refunds for goods or services purchased using Link services are subject to the Business User's refund and return policies, which vary by Business User.

16. Contact

If you have a question about the Consumer Services or how these Terms apply to you, please contact support.

Link is a digital account that facilitates a variety of payment-related features, including saving your information for an accelerated checkout experience. Business Users that have enabled Link services (a "Link Merchant") may ask you if you would like to save your information, or use your information saved to your Link Account (defined below), for future payments across Link Merchants. When you authorize us to save your information, you are signing up for an account with Link (a "Link Account"). You may also create a Link Account by visiting Link.com and signing up directly for a Link Account.

How we use your Link Account Information

When you sign up directly for a Link Account, we will collect and store certain personal data from you, such as:

  • Your name, email address, and mobile phone number ("Account Information"); and
  • If you elect to provide it, your credit card, debit card, bank account information, and billing address ("Payment Information").

When you create a Link Account as part of Link accelerated checkout service we will collect and store certain personal data from you, such as:

  • Your Account Information;
  • Your Payment Information;
  • Your shipping address ("Shipping Information"); and
  • Information related to your purchase from a Link Merchant, such as the order date, amount, and product details (such as name, price, photos) ("Order Information").

Together, your Account Information, Payment Information, Shipping Information and Order Information, as applicable, are your "Saved Information." We will use all personal data we collect about you in accordance with the Link Privacy Policy, including to develop and analyze our services and to share with our Link Merchants and our Business Users. The data we share with Link Merchants and Business Users may include: (i) the fact that you have a Link Account, (ii) whether you completed a purchase using Link accelerated checkout services, and (iii) the payment method type used for a purchase you made using Link. We may also share your Account Information with our financial partners in order to assist you in obtaining services from our financial partners.

When you login to your Link Account, we or the Link Merchant will use cookies or similar technologies to associate your web browser, app, or device (or data regarding your web browser, app, or device) to your Link Account and to recognize you when you visit that Link Merchant or another Link Merchant on the same web browser, app, or device. You will be able to log in to your Link Account to access your Saved Information by inputting your email address and using a passkey or a verification code sent to you via SMS text message or by email. You can then make purchases using your Account Information, Payment Information, and Shipping Information across Link Merchants when you are logged in with us on the same browser, app or device. When you are logged in to your Link Account, we will provide the Link Merchant with your Account Information, Payment Information, and/or your Shipping Information to facilitate a faster checkout. If you are not logged in to your Link Account, for example, because your session has expired, you've cleared your cookies, or you're using a device that is different from the one you used to last access Link, you may log in again via the same method outlined above.

2. Your Rights and Obligations

  • You may only save Payment Information with us that you are authorized to use.
  • When you are logged into your Link Account and you input or use a new payment method (such as a different debit or credit card, or a different bank account), you authorize Stripe to save that new payment method information to your Link Account as part of your Payment Information. The last payment method you used to make a successful transaction may become your default payment method the next time you are completing a transaction on a Link Merchant's site. You may also change your default payment method by logging into your Link Account on app.link.com.
  • Message and data rates may apply for any SMS messages that we send to you, or you send to us. If you have any questions about your text plan or data plan, contact your wireless or mobile provider.
  • We reserve the right to modify or terminate Link or any of the features or tools provided therein for any reason (acting in our reasonable discretion), and at any time. We will try to notify you first unless it is unreasonable to do so.
  • We reserve the right to refuse service to anyone for any reason at any time.
  • These Link Account Terms are effective unless and until they are terminated by either you or us. You may terminate these Link Account Terms at any time by deleting your Link Account.
  • If you want to delete your Saved Information, your Link Account, or stop storing information using Link, please let us know by visiting this page and submitting your email address.
  • You can manage your Saved Information on your Link Account, the next time you checkout on a Link Merchant site, or by visiting https://support.link.com for more instructions. Should you update your Payment Information, you authorize Stripe to validate and store your Payment Information, including your credit card, on file.
  • If your access to your Link Account is terminated by you or us, we will delete your Saved Information in accordance with our Privacy Policy.

4. Adding or Removing a Payment Method

  • You can add or remove certain payment methods to your Link Account such as a credit card, debit card, a buy-now-pay-later (BNPL) account, or a bank account. Before linking a payment method, you should review and understand the consumer protection rights and remedies available for different payment sources in your jurisdiction, such as under the Electronic Fund Transfer Act (EFTA) and Fair Credit Billing Act (FCBA) in the United States.
  • If you add a BNPL account to your Link Account, your BNPL account will remain logged-in via your Link Account. This means that you will not need to separately log in to your BNPL account to access it via Link. It also means that access to your Link account will also provide access to your BNPL account. 
  • Please keep your Payment Information current (e.g., credit card number and expiration date). If this information changes, you authorize us to, as permitted by and in accordance with the law, update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your Payment Information from your Link Account.
  • Removing a payment method from your Link Account does not cancel or change any amounts you still owe to a Link Merchant or to a BNPL provider. Specifically, if you remove a payment method from your Saved Information, this will not terminate or cancel any outstanding payment plans you may have entered into with a BNPL provider or any subscriptions you may have purchased with a Link Merchant using your Saved Information. You must cancel your subscriptions with the Link Merchant directly, and you must manage your BNPL payment plans with the BNPL provider directly.
  • Where applicable, we may ask you to connect your bank account to your Link Account to make it easier to pay with your bank account subsequently through your Link Account. Any bank account you choose to save to your Link Account is referred to as a "Saved Bank Account." Through your Link Account and under the Financial Connections Terms, you may also choose to provide your Saved Bank Account details directly to a Business User regardless of whether Stripe is involved in a subsequent transaction. We will collect data from your Saved Bank Account (and other accounts under the same account credentials) pursuant to the Financial Connections Terms and the Link Privacy Policy. We may use your Saved Bank Account data to, among other things, verify that your Saved Bank Account is valid, check your balance to confirm there are sufficient funds for your purchase, streamline your requested payments and assess your eligibility for and offer you Consumer Services that we or our affiliate provides. You authorize us to credit amounts or otherwise send payments to the bank account you would like to save to your Link Account and your existing Saved Bank Account(s), including to determine whether your bank account is valid and active, as well as for promotions and refunds.
  • Each time you use your Link Account to pay a Link Merchant using your Saved Bank Account, you are authorizing the Link Merchant to debit your Saved Bank Account for up to the total amount you authorize the merchant to charge ("Total Authorized Amount") pursuant to the Link Bank Payments Authorization. You authorize us to retry a debit on your Saved Bank Account if your bank rejects the original debit. If the Link Merchant chooses, they may debit your Saved Bank Account, pursuant to your Link Bank Payments Authorization, for amounts less than the Total Authorized Amount, which in the aggregate will not exceed the Total Authorized Amount. Where your Saved Bank Account is a U.S. bank account, you agree that your grant of the authorization in this paragraph complies with the National Automated Clearinghouse Association (NACHA) operating rules and has the same legal effect as if you had signed a paper mandate containing the same terms.
  • If you do not see an option to pay using a bank account through your Link Account, it may be because the Link Merchant has not allowed those payments or the Link Merchant or bank is not eligible for bank payments via our Consumer Services. If your bank account transaction fails without an actual attempt to debit your Saved Bank Account, it may be because we determined the transaction is at high risk of being returned unsuccessfully (e.g. if your historical account balance is below the transaction amount). This can help prevent you from incurring insufficient funds fees from your bank. We recommend that you use a different bank account or payment method or reach out to us if you have questions. Your use of your bank account as a payment method is also subject to the terms, benefits, and protections associated with your personal bank account. If you use your bank account as a payment method and do not have sufficient funds to make a purchase, you could incur overdraft fees, insufficient funds fees or other fees with your bank.
  • If at any time you would like to revoke your Link Bank Payments Authorization or you no longer want your Saved Bank Account to be a payment method saved to your Link Account, you must delete your Saved Bank Account as a payment method from your Link Account. If a payment with your Saved Bank Account was not initiated from your Link Account but involved Link or Stripe connecting your financial account with that Business User, please see the Financial Connections Terms or this page for information on how to disconnect your Saved Bank Account.

5. Backup payment method

  • If your default or selected payment method is unavailable, or the transaction is unsuccessful using that payment method (for example, because your Saved Bank Account has insufficient funds), the Link Merchant may initiate a transaction on any other payment method saved to your Link Account (a "Backup Payment Method"). Generally, transactions on Backup Payment Methods will be attempted in the following order, if applicable: (1) Saved Bank Account, (2) debit card, and (3) credit card. In some cases, a Backup Payment Method of the same type will be used (for example, if your default payment method is a card, the Backup Payment Method may also be a card).
  • We will identify that a Backup Payment Method applies before you complete the purchase (e.g., whether during a one-time checkout or for any subscription payments, during the initial subscription purchase). 
  • If you do not wish to have a Backup Payment Method used, you may either (i) not consent to the use of the Backup Payment Method or (ii) manage your payment methods on your Link Account.

6. Beta Program

If you would like access to the newest Link products and services, you can opt in to participate in the Link beta program via the settings in your Link Account. When you join the Link beta program, you are authorizing us to process your Saved Information to determine if you are eligible for our newest products and services. We may also send you communications to market the availability of a new product or service.

7. Security

  • We take the protection of your Saved Information seriously and have  implemented technical and organizational measures designed to safeguard it from accidental loss and from unauthorized access, use, alteration, or disclosure. These measures include industry-standard practices and technology to help maintain the security, confidentiality, and integrity of your data. 
  • While we strive to provide robust security, no system is completely foolproof. We cannot guarantee that unauthorized third parties will never be able to defeat our security measures or misuse your Saved Information. We encourage you to remain vigilant and take responsibility for securing your personal data, knowing that you provide it at your own risk. 
  • Learn more about our security here. If you have reason to believe that the security of your Link Account has been compromised, please contact us immediately at support.link.com/contact.

8. Dormant Accounts

  • If your Link Account remains inactive for a continuous period of two years, we may consider the account dormant and may close your Link Account at our discretion (a "Dormant Account").
  • A Link Account is considered a Dormant Account if you have not done any of the following Link Account activities during a continuous two year period:
  • Making a payment or purchase using Link at a Link Merchant;
  • Adding, updating or removing any of your Saved Information;
  • Initiating account settings changes or updating security preferences;
  • Engaging with customer support related to your Link Account, including inquiries or disputes; or
  • Logging in to your Link Account and browsing or reviewing transaction history.
  • Prior to closing the Dormant Account, Stripe will notify you using the email address associated with your Link Account. Starting from the date of our notice to you, we will provide you with a period of 30 days to reactivate your Link Account by logging in and performing any Link Account activity listed above.
  • If Stripe does not receive a response or the account remains inactive after the 30-day notice period, your Link Account will be closed.

9. Protection from Unauthorized Transactions (only for U.S. consumers)

  • You may view your Link Account statement that shows your Link Account transactions and certain Order information by logging into your Link Account ("Link Transaction History").
  • To protect yourself from unauthorized activity in your Link Account, you should regularly log into your Link Account and review your Link Transaction History. You should review transaction details to ensure that each transaction was authorized and accurately completed.
  • Stripe will protect you from unauthorized transactions initiated with your Link Account. When this protection applies, Link will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below.
  • What is an Unauthorized Transaction? An "Unauthorized Transaction" occurs when your Link Account is used to make a purchase with a debit card issued by a U.S.-based bank or a U.S. bank account that you did not authorize and that did not benefit you. For example, if someone steals or fraudulently obtains access to your Link Account and makes a purchase using your Link Account with a saved U.S. debit card or a U.S. Saved Bank Account, an Unauthorized Transaction has occurred.
  • What is not considered an Unauthorized Transaction? The following are NOT considered Unauthorized Transactions:
    • If you grant authority to someone to use your Link Account (by giving them your login information) and they exceed the authority you gave them. You are responsible for transactions made in this situation unless you have previously notified Stripe that you no longer authorize transactions by that individual.
    • Other unauthorized purchases using the Saved Bank Account, including via Stripe's payment processing services, but that are not initiated with your Link Account. For those types of unauthorized purchases, contact your financial institution to report the unauthorized activity.
  • Reporting an Unauthorized Transaction.
    • If you believe your Link Account has been compromised, please contact Link consumer support immediately at support.link.com/contact or call 1-888-820-7551.
    • Tell us IMMEDIATELY if you believe that an electronic fund transfer has been made without your permission using your login information or by other means. If you tell us within the 60 days after we provide you with your Link Transaction History showing transfers you did not make, you may be eligible for a refund of the full amount paid for Unauthorized Transactions.

10. Error Resolution (only for U.S. consumers)

  • What is an Error? An "Error" means the following:
    • An "Unauthorized Transaction", as it is defined above.
    • When a transaction is incorrectly recorded in your Link Account.
    • You send a payment and the incorrect amount is debited from your Link Account.
    • An incorrect amount is credited to your Link Account.
    • A transaction is missing from or not properly identified in your Link Transaction History.
    • We make a computational or mathematical error related to your Link Account.
    • You request Link Transaction History that Stripe is required to provide to you.
    • You request information concerning pre-authorized (recurring) transfers from your Link Account that Stripe is required to provide to you.
    • You request additional information or clarification concerning a transfer from your Link Account, including a request you make to determine whether an error has occurred.
    • You inquire about the status of a pending transfer from your Link Account.
  • What is not considered an Error? The following are NOT considered Errors:
    • If you give someone access to your Link Account (by giving them your login information) and they use your Link Account without your knowledge or permission. You are responsible for transactions made in this situation.
    • Requests for duplicate documentation or other information for tax or other recordkeeping purposes.
  • In case of Errors or questions about your electronic transfers
    • Telephone us at 1-888-820-7551, contact us at support.link.com/contact, or write us at Link │ Built by Stripe Stripe, LLC 354 Oyster Point Blvd. South San Francisco, CA 94080
    • Notify us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after the problem or error appeared on your Link Transaction History.
      1. Tell us your name and account number.
      2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
      3. Tell us the dollar amount of the suspected error.
    • If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
    • We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. 
    • We will tell you the results after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

1. Registration, Access, and Use

You must sign up for a Link Account or have an existing Link Account to use Link Balance. You will need to complete certain verification procedures before you are permitted to use Link Balance. Your Link Account will be the sole means of accessing your Link Balance.

By using Link Balance, you agree that you will use Link Balance only for yourself, and not on behalf of any third party. You are fully responsible for all activity that occurs on your Link Account, including Link Balance activity. You are solely responsible for maintaining the security of your device and your Link Account credentials. Link is not liable for any loss or liability resulting from unauthorized access to your Link Balance that occurs as a result of your failure to keep your credentials or device secure, or due to a compromise of your device, email, or phone number.

2. Custodial Services and Ownership

As part of your Link Balance, Link will provide qualifying users a custodial wallet to hold your Supported Digital Assets. Bridge (a Stripe company) is the custodian of your Supported Digital Assets. By providing instructions relating to your Supported Digital Assets through your Link Account (e.g., the instruction of a withdrawal), you are providing instructions directly to Bridge. By using Link Balance, you agree to be bound by the Bridge User Terms found here. You are ultimately legally responsible for all transactions and risk of loss. As long as you continue to hold Supported Digital Assets in your Link Balance, Bridge will retain control over electronic private keys associated with blockchain addresses operated by Bridge, including the blockchain addresses used to hold the Supported Digital Assets credited to your Link Balance.

Bridge will not receive title to any Supported Digital Assets; you will retain title to Supported Digital Assets in compliance with applicable law. As owner of the Supported Digital Assets in your Link Balance, you will bear all risk of loss (including due to fluctuations in asset value or fraudulent or unauthorized transactions) of such Supported Digital Assets. 

3. Balance Information

You will be able to view and manage your Link Balance on the Link app. Information you will be able to view include: (i) the amount (and currency) of each Supported Digital Asset transaction; (ii) a reference and description of the Supported Digital Asset transaction; (iii) if applicable, any fees charged; (iv) if applicable, the rate of exchange, and the amount (in the new currency) after exchange; and (v) the date of each Supported Digital Asset Transaction.

You may withdraw your Supported Digital Assets by instructing Bridge (via your Link Account) to debit the applicable Supported Digital Asset from your Link Balance and convert the Supported Digital Assets to fiat currency for deposit into your personal bank account. Withdrawal requests may be subject to outages, downtime, time to conduct blockchain operations to fulfill your request, and other applicable policies. You are responsible for risk of loss arising from incorrect instructions provided to Link and Bridge. Once you have initiated a withdrawal, you cannot cancel or reverse it.

We make no guarantees regarding the amount of time it may take to complete a transfer or withdrawal of Supported Digital Assets. You acknowledge that the blockchain networks underlying the Supported Digital Assets are decentralized and outside of our control. Network congestion, high transaction volumes, or issues with the underlying protocol may cause transactions to be delayed, suspended, or fail. Link and Bridge are not responsible for any losses or damages caused by such delays or failures.

5. Fees

By using Link Balance, you agree that Link may charge fees, including service fees, pass-through fees from sub-processors, gas fees, foreign exchange fees, and any other fees associated with the storage and withdrawal of the applicable Supported Digital Asset in your Link Balance (collectively, “Fees”). You grant Link a standing authorization to automatically deduct all applicable Fees directly from your Link Balance or from the proceeds of a specific transaction at the time the liability is incurred, without further notice to you. Fees may be debited from your Link Balance for a specific transaction and will be reflected in your Link Balance information. 

6. Supported Digital Assets

Link Balance currently supports USD Coin (“USDC”) and may support other digital assets in the future (“Supported Digital Asset”). USDC is issued by Circle and pegged to USD at a 1:1 ratio. 

7. No Deposit Insurance

You acknowledge that your Link Balance is not a bank account or a deposit account. Supported Digital Assets held in your Link Balance are not legal tender, are not backed by any government, and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency. 

8. Operation of Digital Asset Protocols

Link does not own or control the underlying software protocols which govern the operation of the Supported Digital Assets. Link assumes no responsibility for the operation of the underlying protocols and does not guarantee the functionality or security of network operations. In particular, the underlying protocols may be subject to sudden changes in operating rules (including “forks”). Any such operating changes may materially affect the availability, value, functionality, and/or the name of the Supported Digital Assets in your Link Balance. In the event of any such operational change, Link reserves the right to take such steps as may be necessary to protect the security and safety of Supported Digital Assets held in your Link Balance, including, without limitation, temporarily suspending operations for the involved Supported Digital Assets. Link will use commercially reasonable efforts to provide you with reasonable prior notice of its response to any material operating change. 

9. Payment Service Partners

Link may use a third-party payment processor to process withdrawal requests from your Link Balance to your local bank account. Link may add or change third party payment processors for the purposes of providing the Link Balance services at any time. 

10. Dormant Account Unclaimed Property

For the avoidance of doubt, Dormant Account terms of your Link Account apply to your Link Balance. Following Dormant Account notification, applicable law may require Bridge to deliver unclaimed Supported Digital Assets held in your Link Balance to the applicable governmental authority as unclaimed property. 

11. Suspension, Termination, and Cancellation

Link may suspend, restrict, or terminate your access to Link Balance, and may instruct Bridge to suspend any transfer of any Supported Digital Assets, with immediate effect for any reason at our sole discretion and is under no obligation to disclose the details of its decision to you. 

In the event your access to Link Balance has been terminated, you will be permitted to transfer Supported Digital Assets associated with your Link Balance for thirty (30) days after notice of termination unless such transfer is otherwise prohibited under applicable law. If your Supported Digital Assets are not transferred following termination of your Link Balance, your Supported Digital Assets may be subject to applicable escheatment laws. Link is not responsible for any liability or loss you may incur resulting from suspension or termination of Link Balance under these terms.

12. Verification Procedures

Link is required to identify users registering for and using Link Balance. This ensures Link remains in compliance with applicable KYC/AML laws, which is necessary to continue offering Supported Digital Asset and Link Balance services to our customers. Link collects and verifies information about you in order to: (i) protect Link and the community from fraudulent users; and (ii) to keep appropriate records of Link's customers. Link may require you to provide or verify additional information, engage in enhanced due diligence, or to wait some amount of time after completion of a transaction, before permitting you to use any Link Balance service and/or before permitting you to engage in transactions.

Scope and Applicability

These terms (“Link Agentic Terms”) apply if you authorize an Agent to access your Link Account. Link’s agentic features allow you to enable your agent to make purchases on your behalf, to access your financial account data through financial insights, and provide authorization of Agent transactions to third-party merchants and services. By authorizing an Agent to connect to your Link Account, you agree to be bound by these Link Agentic Terms and any new features or tools that are added will also be subject to these Link Agentic Terms. 

Definition of Agent

For the purposes of these Link Agentic Terms, “Agent” means any software, computer or other automated technology, including any such technology that operates through, in conjunction with, or by invoking other automated systems, platforms, APIs, or agents, whether or not you have direct control over or visibility into each intermediate system in the chain, that is capable of, designed for, or employed for the purpose of independently or semi-independently acting as your delegate, proxy, intermediary, or agent in any transactional or authorization activity or in accessing your financial account data, whether in a single transaction or across multiple ongoing transactions. Your Agent constitutes an "electronic agent" or equivalent concept as defined or recognized under the laws of your jurisdiction, including the Uniform Electronic Transactions Act (UETA) and similar statutes, and that transactions initiated or completed by your Agent are legally binding upon you. 

To allow Agents to initiate transactions on your behalf, you will need to authorize an Agent to connect to your Link Account. When you connect an Agent to your Link Account, you are authorizing Link to share your personal data with the Agent or artificial intelligence commerce platform it operates on to use the Agent’s services and authorization activity on your behalf, which may include: 

(a) Account Information, such as your name, email address, and mobile phone number;

(b) payment information, such as the name of your credit or debit cards and the last four digits of the card numbers, bank account names and last four digits of the account number, and billing address;

(c) Shipping Information;  and

(d) information related to your order, such as information related to your purchase, order date, amount, and product details.

You may also connect an agent to your Link Account to access your financial account data. The way your financial account data is accessed depends on how you connect your Agent. If you use a self-hosted Agent — meaning software or technology that you operate on your own device or through infrastructure you control — Stripe issues a credential to your device that authorizes access to your financial account data. Your Agent accesses your financial account data through your device using that credential, and Stripe's responsibility for that data ends when the credential is delivered to your device. If you connect a third-party Agent — meaning software or technology operated by a third party on your behalf — Stripe will share your financial account data directly with that Agent. When Stripe shares your financial account data with third-party Agents, they must be registered as Financial Connections data recipients and have accepte