Effective Date: 07 November, 2025 

These Terms of Service (the “Terms”) between Ryze India Advisory Solutions Private Limited, its subsidiaries, affiliates, agents, and assigns (“Ryze”, “us”, “we”, “our”) and the end users (“you”, “your”) of our website zyne.cards or the “Site”) apply to your use of any products and services offered through the Site, which we refer to collectively as the “Services”.

You can use the Services only if: (i) you can lawfully enter into and form contracts under applicable law; (ii) you operate a small business including sole proprietorship, a partnership or a company; (iii) your business is based out of United States of America; and (iv) you have a tax identification number or a social security number, in case of a sole proprietorship (“Eligibility Criteria”). If you use the Services, you must do so in compliance with these Terms, the Cardholder Agreement and applicable law. If you do not want these Terms to apply, please do not use the Services. The Services are intended for use only by businesses operating in the United States of America. If you do not meet the any of the Eligibility Criteria , you may not use our Services. 

By agreeing to these Terms, you agree that we may rely on the physical address of your business provided by you when signing up for the Services. You understand that not all products or functions of the Services are available in all states of the United States of America. You agree that you are under an affirmative obligation to notify us if your business’s physical address changes for any reason.  

You agree that the Services offered by the Site constitute an invitation to offer. Your applying for the Services, does not result in creation of a binding legal relationship between Ryze and you. Ryze, in its sole discretion, may accept or reject any offer made by you by applying for the Services and may or may not provide the Services to you. No binding relationship is relation to the Services is established between you and Ryze unless a Cardholder Agreement has been duly executed and entered into between us.  

PLEASE NOTE THAT THESE TERMS CONTAIN AN ARBITRATION AGREEMENT AT THE END UNDER “DISPUTE RESOLUTION BY BINDING ARBITRATION”. PLEASE READ THE ARBITRATION AGREEMENT CAREFULLY AS IT REQUIRES YOU TO RESOLVE DISPUTES WITH US THROUGH BINDING ARBITRATION RATHER THAN THROUGH JURY TRIALS OR CLASS ACTIONS.    

The terms and conditions provided for the Services on our Site are indicative in nature. The Services are subject to definite terms, conditions, agreements, and schedules, as provided in the cardholder agreement (“Cardholder Agreement”). Your use of the Services shall be subject to our Privacy Policy. You may also be subject to additional policies, guidelines, or rules we post or make available (“Additional Terms”). Such Additional Terms are incorporated into and form a part of these Terms. If there is an inconsistency or conflict between these Terms and the Cardholder Agreement, the Cardholder Agreement will prevail.  

Please note that this Site  has only be launched for testing purposesa is a pre product-launch website and currently, Ryze is not offering or providing any Services through the Site. Ryze, may, in its sole discretion, launch a product or service in the future. Any information regarding the Ryze products/ services, including launch of any new product or service shall be shared with you using the contact information shared by you.

1. Changes to These Terms; Modifications to Services  

We may change provisions of these Terms and any other agreement you have with us or service providers concerning any Service we make available to you, at any time, including when there are changes in the Services, technology, laws, or for other reasons. If we do, we will provide notice by posting the updated Terms on our website. Any changed Terms will become effective when posted. We will send advance notice to you of such changes if required by law. Your continued use following the effective date of any changes will constitute your acceptance of them. If you do not agree to any changed Terms, you must discontinue using the Services. We may discontinue, temporarily or permanently, the Services, or any part of the Services, with or without notice. You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Services.   

2. Consent to Doing Business Electronically 

You consent to transact business with us electronically. You agree that we may provide notices to you by electronic means, for example, by posting it on our website, emailing it to any email address that you have provided us, or sending it as a text message to any mobile phone number that you have provided us. We may also send notices to you by postal mail to any postal address that you have provided us. All notices by any of these methods will be deemed received by you no later than the earlier of when received or posted or 24 (twenty- four) hours after sent, except for notice by postal mail, which will be deemed received by you no later than the earlier of when received or 3 (three) business days after it is mailed.  

You consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including short message service (“SMS”) messages (including text messages), multimedia messaging service (“MMS”), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialling systems or automatic texting systems. You may opt-out of receiving SMS text messages by responding to the text message or contacting us using the contact information provided in these Terms.  

If you wish to withdraw your consent, you may do so by discontinuing use of the Services or contacting us directly; however, doing so may limit your ability to access or use certain features of the Services.  

3. Services 

Services. The Site inter alia provides you details of our credit card (“Zyne Card”) and enables you to apply for the same. Upon receiving your application, we have the right, in our sole discretion, to determine if you meet the Eligibility Criteria for receiving the Zyne Card and availing the corresponding services, If your application is accepted and you are issued the Zyne Card, your usage of the Zyne Card and/or any corresponding services shall be governed by our Terms, Additional Terms, Privacy Policy, and the Cardholder Agreement. 

Information regarding your usage of the Zyne Card, including account, transaction and payment information that may be provided via the Site are in addition to, and do not replace your billing or periodic statement. In the event of a conflict with account, transaction or payment information provided on the Site, your relevant billing or periodic statement shall govern. 

Third-Party Product Providers. We use third party open banking service providers like Finicity to link your bank accounts and enable us to gather and verify information about your financial accounts, including obtaining your authority and right to access these accounts, as well as managing and initiating transactions involving your accounts. You agree to provide true, accurate, complete, and current information about yourself and your accounts. You authorize us and these third parties to access the websites and sources of your financial accounts, on your behalf, and to gather information about you. You agree to the transfer, storage, and processing of your information by these third parties in accordance with their respective privacy policies. Please note that we will not be able to provide you with some of our services/ products, if you do not consent to linking your bank accounts for availing our Services.   

Credit Report Consent. You authorize Ryze to request and obtain a credit report from a credit reporting agency containing information about you, from time to time, for any purpose permitted by applicable law, including for providing the Services, to use in connection with a credit transaction, to confirm your identity to avoid fraudulent transactions in your name, to review your account to determine whether you continue to meet the terms of your account, and for other legitimate business needs in connection with a transaction initiated by you.  

4. Registration for Services  

You may be required to register with us in order to apply for the Services. If you choose to register for the Services, you agree to provide and maintain true, accurate, current, and complete information about yourself. Registration data and certain other information about you are governed by our Privacy Policy.

By registering for an account, you certify that: (i) you are of legal age and have the legal capacity to enter into a binding contract; (ii) ) you operate a small business including sole proprietorship, a partnership or a company; (iii) your business is based out of United States of America; (iv) you have a tax identification number or a social security number, in case of a sole proprietorship; (iii) all information you provide to Ryze is accurate, complete, and kept up to date; (iv) you are registering solely on the behalf of your business; and (v) you will maintain the security and confidentiality of your account credentials. Ryze, in its sole discretion, may suspend, terminate your account or access to the Site or Services if we reasonably believe that you do not meet the criteria set forth herein.  

You are responsible for maintaining the confidentiality of your password and account, if any, and are fully responsible for any and all activities that occur under your password or account. You also agree to immediately notify us of any unauthorized use of your password or account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this Section.   

5. Prohibited Activities

You are solely responsible for all actions and communication undertaken or transmitted by you or otherwise used via the Services. We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this Section or any of the terms of these Terms, including suspending or terminating your account and reporting you to law enforcement authorities. You agree to not use the Services to:  

• email or otherwise upload any content that: (a) infringes any intellectual property or other proprietary rights of any person; (b) you do not have a right to upload under any law or under contractual or fiduciary relationships; (c) contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (d) poses or creates a privacy or security risk to any person; (e) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful racially, ethnically, or otherwise objectionable; or (f) in our sole judgment, is objectionable or that restricts or inhibits any other person from using or enjoying the Services, or which may expose us or our users to any harm or liability of any type;  

• interfere with or disrupt the Services, servers, or networks connected to the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services;  

• violate any applicable local, state, national, or international law;  

• impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person;  

• harvest or collect email addresses or other contact information of other users from the Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;  

• further or promote any criminal activity or enterprise or provide instructional information about illegal activities;  

• collect, harvest, or otherwise obtain information about other users without their consent; or  

• obtain, or otherwise attempt to access or obtain, any materials or information through any means not intentionally made available or provided for through the Services.   

We reserve the right to suspend or terminate your account or access to the Services if we reasonably determine that you have engaged in prohibited conduct.  

6. Commercial Use

Unless otherwise expressly authorized in these Terms or in the Services, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer, upload, access, or use for any commercial purposes the Services or any part of the Services.   

7. Rewards  

The terms of the rewards and offers made available to you shall be governed by the Cardholder Agreement. ‍  

8. Illegal Transactions  

You must not use your Zyne Card for any illegal purpose, money laundering, financing terrorism or online gambling (“Illegal Activities”). You must not use your Zyne Card to fund any account that is set up to facilitate any Illegal Activities. We or any of our service providers may deny transactions or authorizations from merchants that are apparently engaged in, or are identified as engaged in, Illegal Activities.   

9. Subscription Fees  

Our terms governing the subscription fees or any other fees or charges shall be provided in the Cardholder Agreement.   

10. Chatbots and AI Tools  

Our Services may include the use of artificial intelligence (AI) technologies, including chatbots and automated assistants, to provide support, information, or personalized insights. While these tools are designed to enhance your experience, they may at times generate responses that are inaccurate, incomplete, or not tailored to your specific circumstances.  

You acknowledge and agree that any information provided by an AI-driven feature is for general informational or educational purposes only. You should independently verify the accuracy of any such information and should not rely solely on chatbot outputs when making financial, legal, or other important decisions. Ryze does not guarantee the accuracy, reliability, or suitability of AI-generated content, and disclaims liability for any losses or damages that may result from reliance on such content. 

11. . Disclaimer of Warranties  

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SITE, SERVICES, AND ALL RELATED CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We make no warranty that the Services will meet your requirements, that the Services will be uninterrupted, timely, secure, or error-free, or that the quality of any products, services, information, or other material obtained by you through the Services will meet your expectations.  

You assume all risk for any damage that may result from your use of or access to our Services, your dealings with any other member or third party, and your use of Ryze Content, User Content or other content available through our Services. You are solely responsible for any damage to your property (including any computer system or mobile device used in connection with our Services), or the loss of data that may result from the use of our Services or the use of any of Ryze Content, User Content or other content available through our Services. 

From time to time, we may make available beta, preview, or experimental features. These features are provided solely for evaluation and convenience, may not be fully supported, and may be modified, suspended, or discontinued at any time without notice or obligation.  

Electronic communications (including email, SMS, push notifications, or data transmissions) are subject to inherent risks, and while we employ encryption and security measures, we cannot guarantee absolute security or that such communications will not be intercepted or accessed unlawfully.  

By using the Services, you acknowledge and accept that the use of internet-based platforms inherently involves certain risks. These risks include, but are not limited to:  

• Security Risks: delays in transmission, unauthorized access, fraud, hacking, phishing, data breaches, and exposure to viruses, malware, or other malicious code.  

• Technology Risks: failures of hardware, software, or telecommunications systems; incompatibility with certain devices or browsers; service interruptions due to maintenance, outages, or updates; and possible loss or corruption of data.  

• Third-Party Risks: errors, omissions, delays, or failures by service providers on whom the Services depend.  

• Regulatory and Market Risks: changes in laws, regulations, or financial market conditions that may impact the availability, accuracy, or operation of the Services.  

• User Risks: reliance on inaccurate, incomplete, or outdated information provided through the Services; inadvertent disclosure of your own credentials; or misuse of your account by unauthorized persons.

Ryze cannot and does not guarantee that the Services or any data transmitted through them will be free from these risks. You agree that Ryze is not responsible or liable for any losses, damages, or inconveniences that may result from such risks, interruptions, or failures. 

12. . Intellectual Property Rights  

All content, software, designs, trademarks, service marks, logos, graphics, text, and other materials available on the Site and through the Services (collectively, “Ryze Content”) are the exclusive property of Ryze or its licensors and are protected by United States of America and international copyright, trademark, and intellectual property laws. The intellectual property of our partners and third-party providers may also appear on the Site or through the Services. Except as expressly authorized, you may not copy, modify, reproduce, distribute, display, or create derivative works from any Ryze Content or third-party intellectual property without prior written permission from the rightful owner.  

You acknowledge and agree that the Services may contain content or features (“Services Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by us, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Services or the Services Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below under “User Content Transmitted Through the Services”) that you legally upload to the Services. If you are blocked by us from accessing the Services (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (for example, by masking your IP address or using a proxy IP address). Any use of the Services or the Services Content other than as specifically authorized in these Terms is strictly prohibited.  

Zyne and Ryze name and logos are our trademarks and service marks (collectively, the “Zyne Trademarks”). Other product and service names and logos used and displayed via the Services may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to us. Nothing in these Terms or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Zyne or Ryze Trademarks displayed on the Services, without our prior written permission in each instance. All goodwill generated from the use of Zyne or Ryze Trademarks will inure to our exclusive benefit.  

Third-Party Material. Under no circumstances will we be liable in any way for any content or materials of any third parties (including users), including for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any content. You acknowledge that we do not pre-screen content, but that we and our designees will have the right (but not the obligation) in our and their sole discretion to refuse or remove any content that is available via the Services. We and our designees have the right to remove any content that violates these Terms or is deemed by us, in our sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.  

User Content Transmitted Through the Services. With respect to the content or other materials you upload through the Services (collectively, “User Content”), you represent and warrant that you own all right, title, and interest in and to User Content, including all copyrights and rights of publicity. By uploading any User Content, you grant and will grant us and our affiliated companies a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, and irrevocable license to copy, display, upload, perform, distribute, store, modify, and otherwise use User Content in any form, medium, or technology now known or later developed. You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information about the Services, submitted by you to us are non-confidential, and we will be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you. You understand that the technical processing and transmission of the Services may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices.  

Any feedback, suggestions, or ideas you provide to us about the Services (“Feedback”) may be used by us without restriction, attribution, or compensation to you. By providing Feedback, you acknowledge and agree that we may freely use, copy, disclose, publish, or exploit such Feedback for any purpose.  

If you believe your intellectual property rights have been violated by content or material on the Services, you may submit a notification under the Digital Millennium Copyright Act (“DMCA”) by emailing support@zyne.cards with details of the alleged infringement.  

13. Third-Party Websites  

The Services may provide, or third parties may provide, links or other access to other sites and resources on the Internet. We have no control over such sites and resources, and we are not responsible for and do not endorse such sites and resources. Any interactions, transactions, or agreements you enter into with third parties are solely between you and the third party. You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, events, products, goods, or services available on or through any such site or resource. Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that we are not liable for any loss or claim that you may have against any such third party.  

You are encouraged to carefully review the terms and privacy policies of any third-party websites, services, or tools before engaging with them.  

14. . Indemnity and Release  

You agree to release, indemnify, and hold us, our third-party product providers, our and their affiliates, officers, employees, directors, agents, service providers, and licensors (collectively, the “Ryze Parties”) harmless from any and all losses, liabilities, damages, costs, expenses, fees (including reasonable attorneys’ fees), claims, proceedings and actions of any kind, and injury (including death) arising out of or relating to:  

• Your access to or use of the Site or Services or any content including any User Content you submit or provide; 

• Your violation of these Terms, our Privacy Policy, Cardholder Agreement, Additional Terms or any applicable laws;  

• Your negligence, wilful misconduct or violation of any rights of another.

Ryze reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with Ryze in asserting any available defenses. You will not settle any claim subject to indemnification without Ryze’s prior written consent.  

If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine. This Indemnity and Release will survive termination of these Terms.  

15. . Limitation of Liability  

You expressly understand and agree that Ryze Parties and any third-party providers will not be liable for any indirect, incidental, special, consequential, exemplary damages, or damages for loss of profits, including damages for loss of goodwill, use, data, or other intangible losses, even if Ryze has been advised of the possibility of such damages.  

In no event will Ryze Parties’ total liability to you for all claims arising out of or relating to these Terms, the Privacy Policy, Cardholder Agreement, Additional Terms or the Services exceed, in the aggregate, the greater of: (i) the total amount of fees you paid to Ryze for the Services giving rise to the claim during the twelve (12) months immediately preceding the event giving rise to liability; or (ii) one hundred U.S. dollars (US $100). 

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you. If you are dissatisfied with any portion of the Services or with these Terms, your sole and exclusive remedy is to discontinue use of the Services. This section will survive termination of these terms.  

16. Termination  

You agree that we, in our sole discretion, may suspend or terminate your account (or any part of your account) or use of the Services and remove and discard any content within the Services, for any reason, including for lack of use or if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms, the Privacy Policy, Cardholder Agreement or Additional Terms. Any suspected fraudulent, abusive, or illegal activity that may be grounds for termination of your use of the Services may be referred to law enforcement authorities. You agree that any termination of your access to the Services under any provision of these Terms may be effected without prior notice and acknowledge and agree that we may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Services. You agree that we will not be liable to you or any third party for any termination of your access to the Services.  

Upon termination or suspension, your right to access and use the Services will immediately cease. Ryze may, but is not obligated to, retain or delete any information or content associated with your account in accordance with our Privacy Policy and Applicable Law.  

Your ability to discontinue the use of or cancel Zyne Card shall be governed by the Cardholder Agreement.

17. . Disputes with Other Users  

You agree that you are solely responsible for your interactions with any other user in connection with the Services, and Ryze will have no liability or responsibility for your interactions. You acknowledge and agree that Ryze has no obligation to become involved in any dispute between you and another user or third party. Ryze reserves the right, but has no obligation, to become involved in any way with disputes between you and any other user of the Services.  

If you are a California resident, you waive the protections of Section 1542 of the California Civil Code, which provides:  

“A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”  

By waiving Section 1542, you expressly release Ryze from any claims you may not know or suspect to exist at the time of this release. 

18. . General 

Entire Agreement. These Terms constitute the entire agreement between you and Ryze and govern your use of the Services, superseding any prior agreements between you and Ryze with respect to the Services. Additional terms and conditions may apply to specific features, promotions, or Services, and if there is a conflict, those Additional terms will control with respect to the applicable feature, promotion, or Service 

Waiver. The failure of Ryze, or any of its affiliates or service providers, to exercise or enforce any right or provision of these Terms or any other agreement you enter into in connection with the Services, will not constitute a waiver of such right or provision. If any provision of these Terms or any other agreement you enter into in connection with the Services is found by a court of competent jurisdiction to be invalid, parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these agreements remain in full force and effect.  

Claims Limitation. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or these Terms must be filed within 1 (one) year after such claim or cause of action arose or be forever barred.  

Assignment. You may not assign these Terms without our prior written consent, but we may assign or transfer these Terms, in whole or in part, without restriction.  

Force Majeure. Ryze shall not be liable or responsible for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to natural disasters, power outages, strikes, labor disputes, shortages of supply, cyberattacks, pandemics, regulatory or governmental actions, or failures of communication or data networks. 

Governing Law. Except as provided in the section titled “Dispute Resolution by Binding Arbitration” below, these Terms will be governed by the laws of the State of California without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as set forth below, you and Ryze agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within San Francisco County, California.  

19. . Dispute Resolution by Binding Arbitration  

Agreement to Arbitrate. This Dispute Resolution by Binding Arbitration Section is referred to in these Terms as the “Arbitration Agreement.” For purposes of this Arbitration Agreement, the terms “we,” “us” and “our” means Ryze, and any other person or entity named as a co-defendant in a claim made by you related to these Terms (collectively, “Covered Parties”).  

This Arbitration Agreement will govern all of your interactions with a Covered Party (including any and all data exchanges and/or collections and the retention and use of such data) as described herein unless and until interactions and/or data becomes subject to a product- or service-specific agreement with a Covered Party that includes an arbitration clause applicable to the same, at which point this arbitration clause will be superseded, but only to the extent of any redundant coverage.  

You agree that any and all disputes or claims that have arisen or may arise between you and us, whether arising out of or relating to these Terms (including any alleged breach), the Services, any advertising, any aspect of the relationship, or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you or us may assert individual claims in small claims court, if your claims qualify. This Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf.  

You agree that, by entering into these Terms, you and we are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not by a judge or jury. The Federal Arbitration Act, including both its substantive and procedural provisions, governs the interpretation and enforcement of this Arbitration Agreement.  

Prohibition of Class and Representative Actions and Non-Individualized Relief. You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and we agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Also, the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claims.  

Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”)  Commercial Arbitration Rules and Mediation Procedure, and, if applicable, its Mass Arbitration Supplementary Rules, that are in effect at the time the arbitration is initiated (the “AAA Rules”), as modified by the terms set forth in this Arbitration Agreement. For information on the AAA, please visit its website, https://www.adr.org. Information about the AAA Rules and fees for commercial disputes can be found at the AAA’s commercial arbitration page, https://www.adr.org/rules-forms-and-fees/commercial/. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the terms of this Arbitration Agreement will control, unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement.   

Unless we and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of each’s ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing, as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.  

Arbitration Involving California Residents. 

• If you reside in California, the arbitration provisions of these Terms are intended to be fully enforceable under the California Arbitration Act (Cal. Code Civ. Proc. §§ 1281 et seq.). Arbitration shall be conducted in accordance with the rules of the selected arbitration provider, consistent with California law governing arbitration agreements.  

• Nothing in this agreement prevents you from seeking public injunctive relief in a court of competent jurisdiction as permitted under California law. However, any claim for monetary damages or individualized relief shall be subject to arbitration under this agreement.  

Costs of Arbitration: Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. The arbitrator may award fees and costs, and we shall not be obligated to reimburse your portion of the Arbitration fees, if the arbitrator determines that a claim, proceeding, or defense was frivolous or brought for harassment, for an improper purpose, or in bad faith.  

Severability: If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the Section titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, such term or provision shall be severed and the remainder of this Arbitration Agreement shall be given full force and effect. If a court or the arbitrator decides that any of the provisions of Section above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable with respect to any claim or any particular remedy for a claim (such as a request for public injunctive relief), then that claim or particular remedy (and only that claim or particular remedy) shall be severed from any remaining claims and/or remedies and may be brought in a court of competent jurisdiction, but the Section titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” shall be enforced in arbitration on an individual basis as to all other claims or remedies to the fullest extent possible. You and we agree that a court will decide any claim or any particular remedy for a claim severed from any arbitration only after the completion of that arbitration.  

Future Changes to Arbitration Agreement: Notwithstanding any provision in these Terms to the contrary, Ryze agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Services, you may reject any such change by sending Ryze written notice within 30 (thirty) days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or the effective date of any subsequent changes to these Terms).  

20. Contact Us 

If you have questions, concerns, or complaints about these Terms, Cardholder Agreement, Additional Terms, our Privacy Policy, or the Services, you may contact us in any of the following way:  

• Email: support@zyne.cards 

We may also provide live chat, or other contact methods through the Services. Please note that email or electronic communications may not be secure; do not include sensitive information such as Social Security numbers or full financial account numbers in any correspondence.