Side-by-side diff

JPMorgan Chase — Digital Services Agreement

Old 2026-10-17 08:22 UTC

Full text

New 2026-10-28 08:17 UTC

Full text

	Snapshot 2026-10-17 08:22 UTC			Snapshot 2026-10-28 08:17 UTC
f	1	Digital Services Agreement	f	1	Digital Services Agreement
	2	We’re making key changes:		2	We’re making key changes:
n	3	Effective as of January 1, 2027:	n	3	Effective October 27, 2026, we have made changes to ratify your obligation to no
				>	t share
	4	Section 9 – Login Credentials and Other Sensitive Information – has been updated		4	credentials with third parties and that third parties — including External AI, a
	>	to		>	utomated tools,
				5	or data aggregators — are prohibited from using your Login Credentials to access
				>	the Digital
				6	Platforms or your accounts or Services thereon. We permit third-party applicatio
				>	ns and tools,
				7	including External AI, to access customer account data through approved applicat
				>	ion
				8	programming interfaces ("APIs") with your authorization.
				9	If you have shared your Login Credentials with any third party, you must change
				>	those
				10	credentials to ensure that the third party can no longer use them or access your
				>	information
				11	through the Digital Platforms.
	5	incorporate that we may require you to (i) download and use our mobile applicati		12	Effective January 1, 2027, we may require you to (i) download and use our mobile
	>	on, and (ii)		>	application,
	6	use a Trusted Device, as defined in this agreement to verify your identity. Unti		13	and (ii) use a Trusted Device, as defined in this agreement to verify your ident
	>	l you do, we		>	ity. Until you do,
	7	may deny access to our Digital Platforms, the Services, and your accounts, unles		14	we may deny access to our Digital Platforms, the Services, and your accounts, un
	>	s an		>	less an
	8	accommodation is required by law.		15	accommodation is required by law. Please see Section 9 for more information.
	9	Last updated: October 2026		16	Last updated: October 2026
	10	This agreement, which is comprised of the “General Terms and Conditions” below a		17	This agreement, which is comprised of the “General Terms and Conditions” below a
	>	nd the		>	nd the
	11	Addenda that follow (collectively the “Agreement”) with J.P. Morgan Chase is ava		18	Addenda that follow (collectively the “Agreement”) with J.P. Morgan Chase is ava
	>	ilable in		>	ilable in
	26	time, including products and services that use artificial intelligence (“AI”) an		33	time, including products and services that use artificial intelligence (“AI”) an
	>	d products and		>	d products and
	27	services governed by the terms contained in the Addenda attached hereto (collect		34	services governed by the terms contained in the Addenda attached hereto (collect
	>	ively,		>	ively,
	28	"Services").		35	"Services").
n			n	36
	29	By enrolling in and using the Digital Platforms and the Services, you agree to b		37	By enrolling in and using the Digital Platforms and the Services, you agree to b
	>	e bound by the		>	e bound by the
	30	General Terms and Conditions and the terms specific to each Service as set forth		38	General Terms and Conditions and the terms specific to each Service as set forth
	>	in the		>	in the
	31	Addenda following the General Terms and Conditions. Although you are agreeing to		39	Addenda following the General Terms and Conditions. Although you are agreeing to
	>	the		>	the
	32	terms specific to each Service set forth in the Addenda, the Services will not b		40	terms specific to each Service set forth in the Addenda, the Services will not b
	>	e activated until		>	e activated until
	33	you take the necessary steps to do so through one of the Digital Platforms. Any		41	you take the necessary steps to do so through one of the Digital Platforms. Any
	>	Service you		>	Service you
	34	have already activated will remain active after acceptance of this Agreement.		42	have already activated will remain active after acceptance of this Agreement.
n	35		n
	36	This Agreement contains an arbitration provision that covers most disputes betwe		43	This Agreement contains an arbitration provision that covers most disputes betwe
	>	en you and		>	en you and
	37	us regarding this Agreement. Please read the arbitration provision set forth in		44	us regarding this Agreement. Please read the arbitration provision set forth in
	>	Section 13 of		>	Section 13 of
	38	the General Terms and Conditions as it affects your rights under this Agreement.		45	the General Terms and Conditions as it affects your rights under this Agreement.
	48	GENERAL TERMS AND CONDITIONS		55	GENERAL TERMS AND CONDITIONS
	49	1. General		56	1. General
	50	2. Mobile Services		57	2. Mobile Services
n	51	3. Artificial Intelligence Features	n	58	3. Our Artificial Intelligence Features
	52	4. Records; Communications		59	4. Records; Communications
	53	5. Account Information		60	5. Account Information
	54	6. Cutoff Times		61	6. Cutoff Times
	56	Agreement, or New Features		63	Agreement, or New Features
	57	8. Computer Equipment and Mobile Device Equipment; Browser Access and Internet		64	8. Computer Equipment and Mobile Device Equipment; Browser Access and Internet
	58	Services		65	Services
n	59	9. Login Credentials and Other Sensitive Information	n	66	9. Access to Digital Platforms and Services: Login Credentials and Other Sensiti
				>	ve
				67	Information
	60	10. Interruptions in Service; Risks of Electronic Transactions and Access to Inf		68	10. Interruptions in Service; Risks of Electronic Transactions and Access to Inf
	>	ormation		>	ormation
	61	11. Limitation of Liability		69	11. Limitation of Liability
	62	12. Representations, Warranties, and Covenants of Customer		70	12. Representations, Warranties, and Covenants of Customer
	64	14. Disputes and Arbitration		72	14. Disputes and Arbitration
	65	15. Restrictions		73	15. Restrictions
	66	16. Privacy		74	16. Privacy
n			n	75
	67	17. Indemnity		76	17. Indemnity
	68	18. Risk of Loss		77	18. Risk of Loss
	69	19. Authorization for Minors and Children to Access Digital Platforms and Servic		78	19. Authorization for Minors and Children to Access Digital Platforms and Servic
	>	es		>	es
	72	22. Links		81	22. Links
	73	23. Right to Audit		82	23. Right to Audit
	74	24. Termination and Suspension; Assignment; Survival		83	24. Termination and Suspension; Assignment; Survival
n	75		n
	76	25. Notice of Claims		84	25. Notice of Claims
	77	26. Waiver; Severability		85	26. Waiver; Severability
	78	27. Entire Agreement		86	27. Entire Agreement
	79	28. Governing Law		87	28. Governing Law
n	80	GLOSSARY	n	88	DEFINITIONS
	81	Addendum: Access and Security Manager Online Service		89	Addendum: Access and Security Manager Online Service
	82	TERMS AND CONDITIONS APPLICABLE TO BOTH BUSINESS ACCOUNTS AND CONSUMER		90	TERMS AND CONDITIONS APPLICABLE TO BOTH BUSINESS ACCOUNTS AND CONSUMER
	83	ACCOUNTS		91	ACCOUNTS
	90	5. Changes to Account Administrator		98	5. Changes to Account Administrator
	91	ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO CONSUMER ACCOUNTS		99	ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO CONSUMER ACCOUNTS
	92	6. Links to Consumer Accounts		100	6. Links to Consumer Accounts
n	93	DEFINITIONS	n	101	7. DEFINITIONS
	94	Addendum: Account Aggregation Service		102	Addendum: Account Aggregation Service
	95	1. The Aggregation Service		103	1. The Aggregation Service
	96	2. Use of Aggregated Data		104	2. Use of Aggregated Data
	109	8. ACH Rules		117	8. ACH Rules
	110	9. Processing; Transmittal		118	9. Processing; Transmittal
	111	10. Rejections; Returns		119	10. Rejections; Returns
n			n	120
	112	11. Reversals		121	11. Reversals
	113	12. Name/Identifying Number Inconsistencies		122	12. Name/Identifying Number Inconsistencies
	114	13. Warranties; Indemnity		123	13. Warranties; Indemnity
	117	Addendum: ACH Payment Services		126	Addendum: ACH Payment Services
	118	1. ACH Payment Services		127	1. ACH Payment Services
	119	2. Fees		128	2. Fees
n	120		n
	121	3. ACH Deliver By Date		129	3. ACH Deliver By Date
	122	4. Duplicate Entries		130	4. Duplicate Entries
	123	5. Notifications		131	5. Notifications
	154	4. Cancellation of the Electronic Payment Service		162	4. Cancellation of the Electronic Payment Service
	155	Addendum: Chase and J.P. Morgan QuickDeposit for Mobile		163	Addendum: Chase and J.P. Morgan QuickDeposit for Mobile
	156	1. Chase and J.P. Morgan QuickDeposit Service		164	1. Chase and J.P. Morgan QuickDeposit Service
n			n	165
	157	2. Item Quality and Processing		166	2. Item Quality and Processing
	158	3. Representations, Warranties, and Covenants of Customer		167	3. Representations, Warranties, and Covenants of Customer
	159	Addendum: Chase QuickDeposit Classic for Business Banking		168	Addendum: Chase QuickDeposit Classic for Business Banking
	162	3. Item Processing		171	3. Item Processing
	163	4. Representations, Warranties, and Covenants of Customer		172	4. Representations, Warranties, and Covenants of Customer
	164	5. Use of Products		173	5. Use of Products
n	165		n
	166	6. Cancellation or Termination of Service		174	6. Cancellation or Termination of Service
	167	Addendum: Fraud Protection Services		175	Addendum: Fraud Protection Services
	168	1. Fraud Protection Services		176	1. Fraud Protection Services
	199	3. Transaction History		207	3. Transaction History
	200	4. Eligibility and Removal of Chase P3 Cards		208	4. Eligibility and Removal of Chase P3 Cards
	201	5. Your Chase P3 Card Terms Do Not Change		209	5. Your Chase P3 Card Terms Do Not Change
n			n	210
	202	6. J.P. Morgan Chase Is Not Responsible for Third Parties		211	6. J.P. Morgan Chase Is Not Responsible for Third Parties
	203	7. Access and License		212	7. Access and License
	204	8. Merchant Offers		213	8. Merchant Offers
	207	1. About the Real-Time Payments Service		216	1. About the Real-Time Payments Service
	208	2. Sending Funds		217	2. Sending Funds
	209	3. Risks Associated with the Real-Time Payments Service		218	3. Risks Associated with the Real-Time Payments Service
n	210		n
	211	4. Receiving Payments		219	4. Receiving Payments
	212	5. Fees		220	5. Fees
	213	6. Requests for Payment		221	6. Requests for Payment
	244	1.3 Payments		252	1.3 Payments
	245	2. Additional Terms Applicable Only to Payments and Transfers For Consumer Accou		253	2. Additional Terms Applicable Only to Payments and Transfers For Consumer Accou
	>	nts		>	nts
	246	3. Our Guarantees		254	3. Our Guarantees
n			n	255
	247	4. Additional Terms Applicable Only to Payments and Transfers for Business Accou		256	4. Additional Terms Applicable Only to Payments and Transfers for Business Accou
	>	nts		>	nts
	248	5. Definitions		257	5. Definitions
	249	Addendum: Zelle® Service		258	Addendum: Zelle® Service
	252	3. Statements		261	3. Statements
	253	4. Mobile & Text Services; Consent to Emails and Automated Text Messages		262	4. Mobile & Text Services; Consent to Emails and Automated Text Messages
	254	5. Wireless Operator Data		263	5. Wireless Operator Data
n	255		n
	256	6. Cancellation of Your Service		264	6. Cancellation of Your Service
	257	7. Payment Types and Cutoff Times		265	7. Payment Types and Cutoff Times
	258	8. Receiving Money		266	8. Receiving Money
	283	Products, including all terms and conditions contained in any account agreements		291	Products, including all terms and conditions contained in any account agreements
	>	, loan		>	, loan
	284	documents, cardmember agreements, EULA, and privacy policies (collectively, the		292	documents, cardmember agreements, EULA, and privacy policies (collectively, the
	>	"Other		>	"Other
	285	Documents"); and (b) all applicable state, federal and international laws and re		293	Documents"); and (b) all applicable state, federal and international laws and re
	>	gulations. To		>	gulations. To
n			n	294
	286	the extent there is a direct and irreconcilable conflict between this Agreement		295	the extent there is a direct and irreconcilable conflict between this Agreement
	>	and the Other		>	and the Other
	287	Documents, the Other Documents shall control unless this Agreement specifically		296	Documents, the Other Documents shall control unless this Agreement specifically
	>	states		>	states
	288	otherwise.		297	otherwise.
	291	statements made by one of our employees or by our affiliates’ employees, this Ag		300	statements made by one of our employees or by our affiliates’ employees, this Ag
	>	reement will		>	reement will
	292	govern. When using other services or features available through the Digital Plat		301	govern. When using other services or features available through the Digital Plat
	>	forms but		>	forms but
	293	provided directly by third parties, your use of such services or features will a		302	provided directly by third parties, your use of such services or features will a
	>	lso be governed		>	lso be governed
n	294		n
	295	by the agreements and other terms or conditions with such third parties governin		303	by the agreements and other terms or conditions with such third parties governin
	>	g use of		>	g use of
	296	those services or features.		304	those services or features.
	297	Services described in this Agreement, as well as any associated fees, charges, i		305	Services described in this Agreement, as well as any associated fees, charges, i
	>	nterest rates		>	nterest rates
	303	law.		311	law.
	304	Interpretation of Certain Terms		312	Interpretation of Certain Terms
	305	Unless otherwise defined within these General Terms and Conditions or the applic		313	Unless otherwise defined within these General Terms and Conditions or the applic
	>	able		>	able
n	306	Addendum, capitalized terms have the meanings given to them in the Glossary. Any	n	314	Addendum, capitalized terms have the meanings given to them in the Definitions.
				>	Any
	307	capitalized terms used but not defined have the meaning given in the Other Docum		315	capitalized terms used but not defined have the meaning given in the Other Docum
	>	ents.		>	ents.
	308	Except as otherwise provided, the terms “hereby,” “herein,” “hereof,” “hereto,”		316	Except as otherwise provided, the terms “hereby,” “herein,” “hereof,” “hereto,”
	>	“hereunder,”		>	“hereunder,”
	309	and similar terms refer to this Agreement as a whole and not to the specific sec		317	and similar terms refer to this Agreement as a whole and not to the specific sec
	>	tion,		>	tion,
	319	unless the context suggests otherwise.		327	unless the context suggests otherwise.
	320	Each covenant and agreement will be construed for all purposes to be a separate		328	Each covenant and agreement will be construed for all purposes to be a separate
	>	and		>	and
	321	independent covenant or agreement.		329	independent covenant or agreement.
n			n	330
	322	These General Terms and Conditions and Addenda may be made available in Spanish		331	These General Terms and Conditions and Addenda may be made available in Spanish
	>	as a		>	as a
	323	courtesy. If there is any difference in meaning between the Spanish and English		332	courtesy. If there is any difference in meaning between the Spanish and English
	>	versions of		>	versions of
	324	this Agreement or any related documents we provide you, either now or in the fut		333	this Agreement or any related documents we provide you, either now or in the fut
	>	ure, the		>	ure, the
	325	English version is the official document and will prevail. Please consult with a		334	English version is the official document and will prevail. Please consult with a
	>	translator if you		>	translator if you
	326	have any questions.		335	have any questions.
	327	2. Mobile Services		336	2. Mobile Services
n	328		n
	329	Communications		337	Communications
	330	You agree that we may send you information related to the Mobile Services throug		338	You agree that we may send you information related to the Mobile Services throug
	>	h your		>	h your
	331	Communication Service Provider and that your Communication Service Provider is a		339	Communication Service Provider and that your Communication Service Provider is a
	>	cting as		>	cting as
	355	prohibited.		363	prohibited.
	356	Differences from the Online Services		364	Differences from the Online Services
	357	Not all of the Services or Products described in this Agreement or the services,		365	Not all of the Services or Products described in this Agreement or the services,
	>	products, or		>	products, or
n			n	366
	358	functionality described on our website(s) may be available when you use a mobile		367	functionality described on our website(s) may be available when you use a mobile
	>	device.		>	device.
	359	Therefore, you may not be eligible to use the Services, Products, or other servi		368	Therefore, you may not be eligible to use the Services, Products, or other servi
	>	ces, products,		>	ces, products,
	360	or functionality when you access or try to access them using a mobile device. We		369	or functionality when you access or try to access them using a mobile device. We
	>	reserve the		>	reserve the
	362	functionality.		371	functionality.
	363	Additionally, information available through the Online Services may not be avail		372	Additionally, information available through the Online Services may not be avail
	>	able via the		>	able via the
	364	Mobile Services or may differ from the information available via the Mobile Serv		373	Mobile Services or may differ from the information available via the Mobile Serv
	>	ices. Such		>	ices. Such
n	365		n
	366	information available through the Online Services may also be described using di		374	information available through the Online Services may also be described using di
	>	fferent		>	fferent
	367	terminology (including capitalized terms used in the Agreement or on certain of		375	terminology (including capitalized terms used in the Agreement or on certain of
	>	our Digital		>	our Digital
	368	Platforms), or may be more current than the information available via the Mobile		376	Platforms), or may be more current than the information available via the Mobile
	>	Services.		>	Services.
	393	any time of the day or night and you specifically consent to receive such alerts		401	any time of the day or night and you specifically consent to receive such alerts
	>	between the		>	between the
	394	hours of 9 p.m. and 8 a.m. local time in your location; and (d) we cannot guaran		402	hours of 9 p.m. and 8 a.m. local time in your location; and (d) we cannot guaran
	>	tee the		>	tee the
	395	delivery of email or other electronic notifications, and delivery may be delayed		403	delivery of email or other electronic notifications, and delivery may be delayed
	>	, fail, or		>	, fail, or
n			n	404
	396	otherwise impacted by many circumstances, including wireless or internet service		405	otherwise impacted by many circumstances, including wireless or internet service
	>	provider		>	provider
	397	outages, storage limitations or other factors.		406	outages, storage limitations or other factors.
	398	There is no service fee for Alerts services but you are responsible for any and		407	There is no service fee for Alerts services but you are responsible for any and
	>	all charges,		>	all charges,
	400	Provider if Alerts are sent via text message. Message and data rates may apply.		409	Provider if Alerts are sent via text message. Message and data rates may apply.
	>	Such		>	Such
	401	charges include those from your Communication Service Provider. To cancel Alerts		410	charges include those from your Communication Service Provider. To cancel Alerts
	>	sent		>	sent
	402	via text message, send STOP to 24273 at any time (J.P. Morgan Online clients onl		411	via text message, send STOP to 24273 at any time (J.P. Morgan Online clients onl
	>	y, send		>	y, send
n	403		n
	404	STOP to 576746). You expressly consent to receipt of a text message to confirm y		412	STOP to 576746). You expressly consent to receipt of a text message to confirm y
	>	our		>	our
	405	“STOP” request. For help or information on Alerts services, text HELP to 24273 (		413	“STOP” request. For help or information on Alerts services, text HELP to 24273 (
	>	J.P. Morgan		>	J.P. Morgan
	406	Online clients only, text HELP to 576746). For additional assistance with Alerts		414	Online clients only, text HELP to 576746). For additional assistance with Alerts
	>	, contact		>	, contact
	407	customer service at 877CHASEPC (877-242-7372) (J.P. Morgan Online clients only c		415	customer service at 877CHASEPC (877-242-7372) (J.P. Morgan Online clients only c
	>	all 866-		>	all 866-
	408	265-1727).		416	265-1727).
n	409	3. Artificial Intelligence Features	n	417	3. Our Artificial Intelligence Features
	410	General		418	General
	411	Certain Services made available through the Digital Platforms may use artificial		419	Certain Services made available through the Digital Platforms may use artificial
	>	intelligence		>	intelligence
	412	(“AI”) to process your requests, generate responses, or assist you in managing y		420	(“AI”) to process your requests, generate responses, or assist you in managing y
	>	our accounts,		>	our accounts,
	428	constitute financial, investment, legal, tax, or other professional advice, guid		436	constitute financial, investment, legal, tax, or other professional advice, guid
	>	ance or		>	ance or
	429	recommendations and do not reflect our views or policies. AI features may be upd		437	recommendations and do not reflect our views or policies. AI features may be upd
	>	ated,		>	ated,
	430	suspended, or discontinued at our discretion.		438	suspended, or discontinued at our discretion.
n			n	439
	431	Reviewing and Reporting Issues with AI Responses		440	Reviewing and Reporting Issues with AI Responses
	432	You are responsible for reviewing all information, responses, and transactions g		441	You are responsible for reviewing all information, responses, and transactions g
	>	enerated or		>	enerated or
	433	facilitated by AI features. If you believe that any information or transaction i		442	facilitated by AI features. If you believe that any information or transaction i
	>	s incorrect,		>	s incorrect,
	434	unauthorized, or inaccurate, you must notify us promptly through the contact met		443	unauthorized, or inaccurate, you must notify us promptly through the contact met
	>	hods and		>	hods and
	435	within the time frame stated within your account’s relevant agreement or the Ser		444	within the time frame stated within your account’s relevant agreement or the Ser
	>	vice’s terms		>	vice’s terms
	436	and conditions, including Addenda to this Agreement.		445	and conditions, including Addenda to this Agreement.
n	437		n
	438	4. Records; Communications		446	4. Records; Communications
	439	Our records shall be presumed to accurately reflect the contents of your Instruc		447	Our records shall be presumed to accurately reflect the contents of your Instruc
	>	tions to us		>	tions to us
	440	and, in the absence of manifest error, will be binding and conclusive.		448	and, in the absence of manifest error, will be binding and conclusive.
	466	features that you may receive in connection with the Digital Platforms and Servi		474	features that you may receive in connection with the Digital Platforms and Servi
	>	ces. When		>	ces. When
	467	you give us your mobile phone number, we have your permission to contact you at		475	you give us your mobile phone number, we have your permission to contact you at
	>	that		>	that
	468	number about all your accounts. Your consent allows us to use text messaging, ar		476	number about all your accounts. Your consent allows us to use text messaging, ar
	>	tificial or		>	tificial or
n			n	477
	469	prerecorded voice messages and automatic dialing technology for informational an		478	prerecorded voice messages and automatic dialing technology for informational an
	>	d account		>	d account
	470	service calls, but not for telemarketing or sales calls. It may include contact		479	service calls, but not for telemarketing or sales calls. It may include contact
	>	from companies		>	from companies
	471	working on our behalf to service your accounts. You may contact us at any time t		480	working on our behalf to service your accounts. You may contact us at any time t
	>	o change		>	o change
	473	You agree that you will not transmit securities trade orders or any other transa		482	You agree that you will not transmit securities trade orders or any other transa
	>	ctional		>	ctional
	474	instructions, including Instructions, to us using email, text or other electroni		483	instructions, including Instructions, to us using email, text or other electroni
	>	c means not		>	c means not
	475	designed by us to accept such instructions. You acknowledge that we will not act		484	designed by us to accept such instructions. You acknowledge that we will not act
	>	upon		>	upon
n	476		n
	477	instructions, including Instructions, transmitted through email, text or other e		485	instructions, including Instructions, transmitted through email, text or other e
	>	lectronic means		>	lectronic means
	478	not designed by us to accept such instructions and that we may not be in a posit		486	not designed by us to accept such instructions and that we may not be in a posit
	>	ion, by virtue		>	ion, by virtue
	479	of time zone difference and otherwise, to respond to your communications sent by		487	of time zone difference and otherwise, to respond to your communications sent by
	>	such		>	such
	504	we may subtract funds from your account or place a hold on your account which ma		512	we may subtract funds from your account or place a hold on your account which ma
	>	y result		>	y result
	505	in processing delays. Once we have released the funds transfer, the recipient’s		513	in processing delays. Once we have released the funds transfer, the recipient’s
	>	bank may		>	bank may
	506	delay credit to the recipient due to their own internal review processes.		514	delay credit to the recipient due to their own internal review processes.
n			n	515
	507	7. Notices Associated with Electronic Communications, Change in Terms of		516	7. Notices Associated with Electronic Communications, Change in Terms of
	508	this Agreement, or New Features		517	this Agreement, or New Features
	509	We may amend or change the terms of this Agreement (including applicable fees an		518	We may amend or change the terms of this Agreement (including applicable fees an
	>	d service		>	d service
	510	charges or adding new Addenda) or update, discontinue or modify any of the Digit		519	charges or adding new Addenda) or update, discontinue or modify any of the Digit
	>	al		>	al
	511	Platforms, Services, or features to the Digital Platforms or Services (including		520	Platforms, Services, or features to the Digital Platforms or Services (including
	>	adding		>	adding
n	512		n
	513	additional/new Services), at any time in our sole discretion. If any change woul		521	additional/new Services), at any time in our sole discretion. If any change woul
	>	d adversely		>	d adversely
	514	affect you, we will notify you in advance, unless the change is necessary to com		522	affect you, we will notify you in advance, unless the change is necessary to com
	>	ply with a legal		>	ply with a legal
	515	requirement or as otherwise permitted by regulation. Otherwise, we will post the		523	requirement or as otherwise permitted by regulation. Otherwise, we will post the
	>	updated		>	updated
	543	Platforms and Services for your convenience, have made your own independent asse		551	Platforms and Services for your convenience, have made your own independent asse
	>	ssment		>	ssment
	544	of the adequacy of the Internet and Systems, and that you are satisfied with tha		552	of the adequacy of the Internet and Systems, and that you are satisfied with tha
	>	t assessment.		>	t assessment.
	545	We are not responsible for any errors or problems that arise from the malfunctio		553	We are not responsible for any errors or problems that arise from the malfunctio
	>	n or failure		>	n or failure
n			n	554
	546	of the Internet or your Systems, nor are we responsible for notifying you of any		555	of the Internet or your Systems, nor are we responsible for notifying you of any
	>	upgrades,		>	upgrades,
	547	fixes, or enhancements to, or for providing technical or other support for your		556	fixes, or enhancements to, or for providing technical or other support for your
	>	Systems.		>	Systems.
	548	Although we may provide a link to a third party site where you may download soft		557	Although we may provide a link to a third party site where you may download soft
	>	ware, we		>	ware, we
	549	make no endorsement of any specific software, hardware or Internet Service Provi		558	make no endorsement of any specific software, hardware or Internet Service Provi
	>	der and		>	der and
	550	your use of any such software, hardware or service may also be subject to the EU		559	your use of any such software, hardware or service may also be subject to the EU
	>	LA or other		>	LA or other
	551	agreements of that provider, in addition to the terms and conditions of this Agr		560	agreements of that provider, in addition to the terms and conditions of this Agr
	>	eement. You		>	eement. You
n	552		n
	553	will not use the Services in any manner that interferes with the operation of th		561	will not use the Services in any manner that interferes with the operation of th
	>	e Digital		>	e Digital
	554	Platforms or the Services.		562	Platforms or the Services.
n	555	9. Login Credentials and Other Sensitive Information	n	563	9. Access to Digital Platforms and Services: Login Credentials and Other
	556	General		564	Sensitive Information
	557	To prevent unauthorized access to your accounts and unauthorized use of the Digi		565	Sharing Your Login Credentials with Third Parties is Prohibited
	>	tal
	558	Platforms and Services, you agree to protect and keep confidential your login cr		566	Third parties — including External AI, automated tools, or data aggregators — ar
	>	edentials and		>	e prohibited
	559	other sensitive information. This includes Card numbers, account numbers, PINs,		567	from using your Login Credentials to access the Digital Platforms or your accoun
	>	user IDs,		>	ts or Services
	560	Passwords, or other means of accessing your accounts via the Digital Platforms o		568	thereon. We permit third-party applications and tools, including External AI, to
	>	r Services.		>	access
				569	customer account data through approved application programming interfaces ("APIs
				>	") with
				570	your authorization.
				571	If you have shared your Login Credentials with any third party, you must change
				>	those
				572	credentials to ensure that the third party can no longer use them or access your
				>	information
				573	through the Digital Platforms.
				574	Consequences of Sharing Login Credentials with Third Parties
				575	If you permit, direct, or facilitate a third party, including External AI, to ac
				>	cess the Digital
				576	Platforms or your accounts or Services, you will be deemed to:
				577	i. Expressly authorize that third party to transact in your account and the acti
				>	ons or
				578	transactions they initiate, request, or complete;
				579	ii. Agree that we will rely on, and treat as evidence of your authorization, any
				>	actions taken
				580	or instructions given by the third party as if you personally took or gave those
				>	actions or
				581	instructions. You acknowledge that such actions or instructions may be inaccurat
				>	e,
				582	incomplete, unintended, or inconsistent with your actual requests, and may resul
				>	t in the
				583	retrieval, transmission, creation, modification, or deletion of information rela
				>	ted to your
				584	account(s);
				585	iii. Agree that you are responsible for any resulting errors, including where th
				>	e third party
				586	performs unintended actions, makes transactions you did not intend, or exceeds t
				>	he
				587	authority you gave it;
				588	iv. Acknowledge and explicitly consent to sharing your sensitive account informa
				>	tion with
				589	the third party on this basis;
				590	v. Acknowledge that our privacy policies do not apply to your relationship with
				>	the third
				591
				592	party, and that we have no control over, and no responsibility for, how the thir
				>	d party
				593	uses, reuses, stores, or protects your data;
				594	vi. Agree it is solely your responsibility to monitor the third party’s activiti
				>	es to ensure they
				595	remain within your agreed-upon scope, and that we have no obligation to automati
				>	cally
				596	or subsequently review or screen the third party’s activities — including transa
				>	ctions —
				597	for predictability, authorization, practicality, or appropriateness.
				598	vii. Acknowledge and agree that (a) your use of any third party and its services
				>	and tools is
				599	governed by that third-party provider and your agreement with such provider, and
				>	(b)
				600	we are not responsible for how any third party tool or service operates, have no
				>	control
				601	over its operation or any AI or other models it employs, and do not assume
				602	responsibility for, review, audit, or certify any third party’s security, privac
				>	y policies, or
				603	data handling practices; and
				604	viii. Agree that to the fullest extent permitted by law, you assume all risks an
				>	d losses
				605	associated with such access or use, including liability for any further use of y
				>	our
				606	personal and account information by the third party or by any individual, entity
				>	, or tool
				607	to whom the third party may provide that information.
				608	Consequences of Sharing Other Sensitive Account Information with Third Parties
				609	You must not share account or digital profile sensitive information, or allow an
				>	y individual,
				610	entity, tool, or other third party — including External AI, automated tools, or
				>	data aggregators
				611	— to use them to access the Digital Platforms, or your accounts or Services ther
				>	eon. This
				612	includes card numbers, account numbers, routing numbers, PINs, user IDs, passwor
				>	ds,
				613	biometrics, or any other means of accessing the Digital Platforms, your accounts
				>	, or Services.
				614	The consequences described in (i)–(viii) above in this Section 9 apply equally t
				>	o (a) any sharing
				615	or disclosure of your sensitive information to, or access permitted by, any thir
				>	d party,
				616	including any individual, entity, or tool; and (b) any account data access you a
				>	uthorize
				617	through APIs.
				618	Suspension, Termination, and Additional Terms
	561	We may at our option change the parameters for your Password without prior notic		619	We may, at our option, change the parameters for your Password without prior not
	>	e to you,		>	ice. If we
	562	and if we do so, you will be required to change your Password the next time you		620	do so, you will be required to change your Password the next time you access the
	>	access the		>	Digital
	563	Digital Platforms or Services.		621	Platforms or Services.
				622	We reserve the right to deny, decline, suspend, or terminate your access to the
				>	Digital
				623	Platforms, your accounts, or Services — including access facilitated by External
				>	AI or other
				624	third party — or to close your account(s), at any time, in our sole discretion a
				>	nd without
				625	notice. This may render External AI or your account(s) non-functional.
				626	Additional account-level terms and conditions may apply.
	564	The loss, theft, or unauthorized use of your login credentials and other sensiti		627	The loss, theft, or unauthorized use of your login credentials and other sensiti
	>	ve information		>	ve information
n			n	628
	565	could cause you to lose some or all of the money in your accounts, plus any amou		629	could cause you to lose some or all of the money in your accounts, plus any amou
	>	nt available		>	nt available
n	566	under your overdraft protection credit line if you have a Business Account, or d	n	630	under your overdraft protection credit line, including if you have a Business Ac
	>	raws on your		>	count, or
	567	credit card account. It could also permit unauthorized persons to gain access to		631	draws on your credit card account(s). It could also permit unauthorized persons,
	>	your sensitive		>	External AI,
	568	personal and account information and to use that information for fraudulent purp		632	or systems to gain access to your sensitive personal and account information and
	>	oses,		>	to use that
	569	including identity theft. If you disclose your login credentials and other sensi		633	information for fraudulent purposes, including identity theft.
	>	tive information
	570	to any person or entity, including any employee or agent, you assume all risks a
	>	nd losses
	571	associated with such disclosure. If you permit any other person(s) or entity(ies
	>	), including any
	572	data aggregation service providers, or agent(s), including artificial intelligen
	>	ce (AI) agents or
	573	agentic AI, to use the Digital Platforms, or any Service, to access or use your
	>	login credentials
	574	and/or other sensitive information described in this section, or to access or us
	>	e the Services
	575	once you have logged in, you are authorizing any transactions and activities per
	>	formed by
	576	them or with their assistance and are responsible for any transactions and activ
	>	ities
	577	performed from your accounts and for any use of your personal and account inform
	>	ation by
	578	any person or entity to whom they may provide that personal and account informat
	>	ion.
	579	If you believe someone, or an AI system or other non-human actor, may attempt to		634	If you believe someone, or an External AI or other non-human actor, may attempt
	>	use		>	to
	580	or has used the Digital Platforms or Services to access your accounts without yo		635	use or has used the Digital Platforms or Services to access your accounts withou
	>	ur		>	t your
	581	permission, that any of your Passwords or user IDs have been lost or stolen, or		636	permission, that any of your Passwords or user IDs have been lost or stolen, or
	>	that any		>	that any
	582	other unauthorized use, including Transfers, or security breach has occurred, yo		637	other unauthorized use, including Transfers, or security breach has occurred, yo
	>	u		>	u
	583	agree to immediately notify us at 877- CHASEPC (877-242-7372) (J.P. Morgan Onlin		638	agree to immediately notify us at 877- CHASEPC (877-242-7372) (J.P. Morgan Onlin
	>	e		>	e
	584	clients only, call 866-265-1727 or 302-634- 5115 for international clients).		639	clients only, call 866-265-1727 or 302-634- 5115 for international clients).
	585	ACCOUNT ACCESS THROUGH THE DIGITAL PLATFORMS OR SERVICES IS SEPARATE AND		640	ACCOUNT ACCESS THROUGH THE DIGITAL PLATFORMS OR SERVICES IS SEPARATE AND
	586	DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS.		641	DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS.
n	587	THEREFORE, WHEN YOU GIVE ANY OTHER PERSON(S) OR ENTITY(IES), INCLUDING AI AGENTS	n	642	THEREFORE, WHEN YOU GIVE ANY OTHER PERSON(S) OR ENTITY(IES), INCLUDING EXTERNAL
	588	OR AGENTIC AI, THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE DIGITAL PLATFORMS		643	AI, THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE DIGITAL PLATFORMS OR SERVICES,
	589	OR SERVICES, THAT INDIVIDUAL OR SYSTEM MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS		644	THAT INDIVIDUAL OR SYSTEM MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS TO WHICH
	590	TO WHICH THAT INDIVIDUAL OR SYSTEM WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS.		645	THAT INDIVIDUAL OR SYSTEM WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS.
	591			646	SUBJECT TO APPLICABLE LAW, YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT,
	592	YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE		647	UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR LOGIN CREDENTIALS. WE SHALL BE
	593	IMPROPER USE OF YOUR LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE
	594	GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN		648	ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED
	595	ACCOMPANIED BY SUCH LOGIN CREDENTIALS, AND TO ACT ON SUCH INSTRUCTIONS.		649	BY US WHEN ACCOMPANIED BY SUCH LOGIN CREDENTIALS, AND TO ACT ON SUCH
				650	INSTRUCTIONS.
	596	Credential Managers		651	Credential Managers
	597	The use of credential managers or other services to store and/or manage your log		652	The use of credential managers or other services to store and/or manage your log
	>	in		>	in
	598	credentials (e.g., Passwords, passkeys) is governed by your agreement with such		653	credentials (e.g., Passwords, passkeys) is governed by your agreement with such
	>	third-party		>	third-party
	601	credentials. We do not endorse, guarantee or assume responsibility for the secur		656	credentials. We do not endorse, guarantee or assume responsibility for the secur
	>	ity or		>	ity or
	602	functionality of any credential manager or other service to store and/or manage		657	functionality of any credential manager or other service to store and/or manage
	>	your login		>	your login
	603	credentials and we are not liable for any damages or liabilities related to thes		658	credentials and we are not liable for any damages or liabilities related to thes
	>	e services.		>	e services.
n	604	Third-party AI Agents or Agentic AI	n
	605	The terms in this section (“AI Agent Terms”) apply if you use, allow, enable, or
	>	cause the
	606	deployment of an AI agent or agentic AI to access, use, or interact with any Ser
	>	vices. For the
	607	purposes of these AI Agent Terms, “Agent” means any software or service that tak
	>	es
	608	autonomous, semi-autonomous, or non-autonomous action on behalf of, or at the in
	>	struction
	609	of, any person or entity. The use of Agents to access or use your accounts, the
	>	Digital
	610	Platforms or the Services, is governed by such third party and/or your agreement
	>	with such
	611	third party. You acknowledge that we do not provide, control, endorse, nor are r
	>	esponsible
	612	for how the Agent operates or lack of transparency around its operation and any
	>	AI models it
	613	employs, and we do not assume responsibility for, review, audit or certify its s
	>	ecurity or
	614	privacy policies and data handling practices.
	615	When using Agent(s) to access or use your accounts, the Digital Platforms or the
	>	Services, you
	616	acknowledge and explicitly consent to sharing your sensitive Account information
	>	with the
	617	Agent. You also acknowledge that our privacy policies do not apply to the Agent
	>	and we have
	618	no control over how the third party uses, reuses, stores or protects your data.
	619	When you provide Agents with access or allow Agents to use Services with your se
	>	cure
	620	customer credentials to perform any actions, access, or transactions on behalf o
	>	f, for, or
	621	upon the authority of you on any of Services, you understand and accept that we
	>	will rely on
	622	any instructions or actions taken by your Agent as if they were taken by you per
	>	sonally, that
	623	we will consider it evidence of your authorization, and that we shall have no ob
	>	ligation to
	624	investigate the authority or validity of any such instructions or actions. You a
	>	gree it is your
	625	responsibility to monitor your Agent’s activities to ensure they are within your
	>	agreed-upon
	626	scope and you acknowledge that we will not automatically review or screen Agent
	>	activities
	627	including transactions, for predictability, practicality or appropriateness. You
	>	must retain and
	628	produce to us, upon request, your timely revocation of consent to the Agent’s ac
	>	tions. You
	629	are responsible for any actions or transactions entered or requested by the Agen
	>	t and for any
	630
	631	actions or errors that may result from the Agent’s incorrect interpretation or i
	>	mplementation
	632	of your instructions, if it performs unintended actions or exceeds the authority
	>	you gave it.
	633	We reserve the right to modify our security protocols or API access or limit, pr
	>	event, suspend
	634	or terminate access by an Agent to your accounts, the Digital Platforms or the S
	>	ervices at any
	635	time without notice, which may render the third-party agent non-functional. Addi
	>	tional
	636	account-level restrictions may apply.
	637	You agree you will not permit an Agent to access your accounts, the Digital Plat
	>	forms or the
	638	Services if you are under the age of 13 (or such greater age required under appl
	>	icable laws) or
	639	if you are prohibited from accessing Services under applicable laws.
	640	Identity Verification and Authentication		659	Identity Verification and Authentication
	641	We may give you the option to enable login credentials or identity verification		660	We may give you the option to enable login credentials or identity verification
	>	methods		>	methods
	642	beyond user ID and Passwords, such as biometrics, security keys, and syncable		661	beyond user ID and Passwords, such as biometrics, security keys, and syncable
	644	require specific identity verification methods (including Trusted Device) for op		663	require specific identity verification methods (including Trusted Device) for op
	>	ening,		>	ening,
	645	accessing, managing, or transacting on your accounts to help keep your accounts		664	accessing, managing, or transacting on your accounts to help keep your accounts
	>	safe and		>	safe and
	646	help prevent identity theft. You are responsible for understanding the requireme		665	help prevent identity theft. You are responsible for understanding the requireme
	>	nts for each		>	nts for each
n			n	666
	647	login credential or identity verification method.		667	login credential or identity verification method.
	648	These requirements are provided when you are presented with these credentials or		668	These requirements are provided when you are presented with these credentials or
	>	methods,		>	methods,
	649	and additional information may also be available in FAQs. We do not endorse, gua		669	and additional information may also be available in FAQs. We do not endorse, gua
	>	rantee or		>	rantee or
	664	representative of the business entity registered with the Digital Platform or Se		684	representative of the business entity registered with the Digital Platform or Se
	>	rvice only, and		>	rvice only, and
	665	may not be retained by you after any termination of your relationship with such		685	may not be retained by you after any termination of your relationship with such
	>	business		>	business
	666	entity. You agree to inform us immediately if a person with access to a Password		686	entity. You agree to inform us immediately if a person with access to a Password
	>	leaves the		>	leaves the
n	667		n
	668	employ or is no longer a representative of the entity to which that Password has		687	employ or is no longer a representative of the entity to which that Password has
	>	been		>	been
	669	assigned.		688	assigned.
	670	10. Interruptions in Service; Risks of Electronic Transactions and Access to		689	10. Interruptions in Service; Risks of Electronic Transactions and Access to
	681	or Services are not available for transactions or if conditions render its use i		700	or Services are not available for transactions or if conditions render its use i
	>	nappropriate, you		>	nappropriate, you
	682	agree to use alternative means to conduct transactions or place your orders, suc		701	agree to use alternative means to conduct transactions or place your orders, suc
	>	h as calling		>	h as calling
	683	your J.P. Morgan Chase representative or the call center servicing your account.		702	your J.P. Morgan Chase representative or the call center servicing your account.
	>	We will not		>	We will not
n			n	703
	684	be liable to you if you are unable to access the Digital Platforms or the Servic		704	be liable to you if you are unable to access the Digital Platforms or the Servic
	>	es, or complete		>	es, or complete
	685	transactions through them.		705	transactions through them.
	686	11. Limitation of Liability		706	11. Limitation of Liability
	702	Any provision of this Agreement that limits our liability does not negate our du		722	Any provision of this Agreement that limits our liability does not negate our du
	>	ty (if any)		>	ty (if any)
	703	under applicable law to act in good faith and with reasonable care. If any provi		723	under applicable law to act in good faith and with reasonable care. If any provi
	>	sion of this		>	sion of this
	704	Agreement is determined to limit our liability in a way prohibited by applicable		724	Agreement is determined to limit our liability in a way prohibited by applicable
	>	law, the		>	law, the
n	705		n
	706	provision will nevertheless be enforced to the fullest extent permitted under th		725	provision will nevertheless be enforced to the fullest extent permitted under th
	>	at law.		>	at law.
	707	This Section shall survive termination of this Agreement.		726	This Section shall survive termination of this Agreement.
	708	12. Representations, Warranties, and Covenants of Customer		727	12. Representations, Warranties, and Covenants of Customer
	718	in your use of the Digital Platforms, Services, and Products, including those pe		737	in your use of the Digital Platforms, Services, and Products, including those pe
	>	rtaining to		>	rtaining to
	719	(a) exports or imports of software and related property; (b) use or remote use o		738	(a) exports or imports of software and related property; (b) use or remote use o
	>	f		>	f
	720	software and related property; or (c) registration of any Addendum;		739	software and related property; or (c) registration of any Addendum;
n			n	740
	721	• you are authorized to have viewing access to any account that you access throu		741	• you are authorized to have viewing access to any account that you access throu
	>	gh the		>	gh the
	722	Digital Platforms or any Service;		742	Digital Platforms or any Service;
	723	• you will provide true, accurate, current and complete information about yourse		743	• you will provide true, accurate, current and complete information about yourse
	>	lf and		>	lf and
	741	OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES		761	OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES
	742	OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-		762	OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-
	743	INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES		763	INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES
n	744		n
	745	AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER		764	AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER
	746	CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED		765	CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED
	747	IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLI		766	IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLI
	>	ED		>	ED
	757	dispute, claim or controversy in connection with an Investment Account will be		776	dispute, claim or controversy in connection with an Investment Account will be
	758	resolved pursuant to the provisions of the agreement governing your Investment		777	resolved pursuant to the provisions of the agreement governing your Investment
	759	Account and is not subject to the dispute provisions of this Section.		778	Account and is not subject to the dispute provisions of this Section.
n			n	779
	760	YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW.		780	YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW.
	761	UNLESS YOU OPT OUT OF ARBITRATION, YOU AND WE ARE WAIVING THE RIGHT TO HAVE		781	UNLESS YOU OPT OUT OF ARBITRATION, YOU AND WE ARE WAIVING THE RIGHT TO HAVE
	762	OUR DISPUTE HEARD BEFORE A JUDGE OR JURY, OR OTHERWISE TO BE DECIDED BY A COURT		782	OUR DISPUTE HEARD BEFORE A JUDGE OR JURY, OR OTHERWISE TO BE DECIDED BY A COURT
	778	Can I (customer) cancel or opt out of this agreement to arbitrate?		798	Can I (customer) cancel or opt out of this agreement to arbitrate?
	779	You have the right to opt out of this agreement to arbitrate if you tell us with		799	You have the right to opt out of this agreement to arbitrate if you tell us with
	>	in sixty (60) days		>	in sixty (60) days
	780	of accepting this Agreement. Requests to opt out of this Agreement that are made		800	of accepting this Agreement. Requests to opt out of this Agreement that are made
	>	more than		>	more than
n	781		n
	782	sixty (60) days after the initial acceptance of this Agreement are invalid. If y		801	sixty (60) days after the initial acceptance of this Agreement are invalid. If y
	>	ou already have		>	ou already have
	783	pending litigation or arbitration against/with us when you accept this Agreement		802	pending litigation or arbitration against/with us when you accept this Agreement
	>	, any request		>	, any request
	784	to opt out of this arbitration clause will not apply to that litigation or arbit		803	to opt out of this arbitration clause will not apply to that litigation or arbit
	>	ration. If you want		>	ration. If you want
	793	YOU AND WE AGREE NOT TO:		812	YOU AND WE AGREE NOT TO:
	794	• SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS		813	• SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS
	795	ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE		814	ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE
n			n	815
	796	PROCEEDING;		816	PROCEEDING;
	797	• SEEK TO CONSOLIDATE IN ARBITRATION ANY CLAIMS INVOLVING DIFFERENT		817	• SEEK TO CONSOLIDATE IN ARBITRATION ANY CLAIMS INVOLVING DIFFERENT
	798	CLAIMANTS (EXCEPT FOR CLAIMANTS WHO ARE ON THE SAME ACCOUNT), UNLESS WE		818	CLAIMANTS (EXCEPT FOR CLAIMANTS WHO ARE ON THE SAME ACCOUNT), UNLESS WE
	818	injunctive relief will be decided in litigation in the court after Claims seekin		838	injunctive relief will be decided in litigation in the court after Claims seekin
	>	g other relief had		>	g other relief had
	819	been adjudicated in arbitration on an individual basis. For the avoidance of dou		839	been adjudicated in arbitration on an individual basis. For the avoidance of dou
	>	bt, no		>	bt, no
	820	arbitrator shall have authority to entertain any Claim on behalf of a person who		840	arbitrator shall have authority to entertain any Claim on behalf of a person who
	>	is not a		>	is not a
n	821		n
	822	named party, nor shall any arbitrator have authority to make any award for the b		841	named party, nor shall any arbitrator have authority to make any award for the b
	>	enefit of, or		>	enefit of, or
	823	against, any person who is not a named party.		842	against, any person who is not a named party.
	824	Does arbitration apply to Claims involving third parties?		843	Does arbitration apply to Claims involving third parties?
	832	a Claim. (If we assign your account to an unaffiliated third party, then “we” in		851	a Claim. (If we assign your account to an unaffiliated third party, then “we” in
	>	cludes that third		>	cludes that third
	833	party.) The arbitration may not be consolidated with any other arbitration proce		852	party.) The arbitration may not be consolidated with any other arbitration proce
	>	eding.		>	eding.
	834	How does arbitration work?		853	How does arbitration work?
n			n	854
	835	The party filing a Claim in arbitration must select JAMS or the American Arbitra		855	The party filing a Claim in arbitration must select JAMS or the American Arbitra
	>	tion		>	tion
	836	Association ("AAA") as the arbitration administrator. That organization will app		856	Association ("AAA") as the arbitration administrator. That organization will app
	>	ly its rules and		>	ly its rules and
	837	procedures in effect at the time the arbitration is commenced. If there is a con		857	procedures in effect at the time the arbitration is commenced. If there is a con
	>	flict between		>	flict between
	854	Unless the arbitration administrator waives your initial filing fee to commence		874	Unless the arbitration administrator waives your initial filing fee to commence
	>	arbitration,		>	arbitration,
	855	you are obligated to pay that fee but, if a settlement is reached between you an		875	you are obligated to pay that fee but, if a settlement is reached between you an
	>	d us prior to		>	d us prior to
	856	the hearing, we will reimburse you for up to $500 for filing fees as part of the		876	the hearing, we will reimburse you for up to $500 for filing fees as part of the
	>	negotiated		>	negotiated
n	857		n
	858	terms of the settlement. If a settlement is not reached prior to the hearing, we		877	terms of the settlement. If a settlement is not reached prior to the hearing, we
	>	also will pay		>	also will pay
	859	any fees for the arbitrator and arbitration administrator for the first two days		878	any fees for the arbitrator and arbitration administrator for the first two days
	>	of any hearing.		>	of any hearing.
	860	If you are the prevailing party in the arbitration, we will reimburse you for an		879	If you are the prevailing party in the arbitration, we will reimburse you for an
	>	y fees you paid		>	y fees you paid
	868	parties agree to a different place.		887	parties agree to a different place.
	869	This Section 13 shall survive termination of this Agreement.		888	This Section 13 shall survive termination of this Agreement.
	870	15. Restrictions		889	15. Restrictions
n			n	890
	871	You agree not to attempt to log on to the Digital Platforms or Services from any		891	You agree not to attempt to log on to the Digital Platforms or Services from any
	>	country		>	country
	872	under sanctions by the Office of Foreign Assets Control (OFAC). Information rega		892	under sanctions by the Office of Foreign Assets Control (OFAC). Information rega
	>	rding which		>	rding which
	873	countries are under sanctions may be obtained on the U.S. Department of the Trea		893	countries are under sanctions may be obtained on the U.S. Department of the Trea
	>	sury		>	sury
	884	website pages and clicking the “Privacy” link.		904	website pages and clicking the “Privacy” link.
	885	17. Indemnity		905	17. Indemnity
	886	You acknowledge and agree that you are responsible for your conduct, and the con		906	You acknowledge and agree that you are responsible for your conduct, and the con
	>	duct of		>	duct of
n	887	any individual or agent, including AI agents and agentic AI, to whom you provide	n	907	any individual or agent, including External AI, to whom you provided access, whi
	>	d access,		>	le using the
	888	while using the Digital Platforms and Services and agree to indemnify, defend, a		908	Digital Platforms and/or Services – whether or not such conduct is intended by y
	>	nd hold us,		>	ou – and
	889	our affiliates, and each of our respective officers, directors, shareholders, em		909	agree to indemnify, defend, and hold us, our affiliates, and each of our respect
	>	ployees and		>	ive officers,
	890	agents (the “J.P. Morgan Chase Indemnified Parties”) harmless from and against a		910	directors, shareholders, employees and agents (the “J.P. Morgan Chase Indemnifie
	>	ny loss,		>	d
	891	claim, damage, liability, cost or expense of any kind (including reasonable atto		911	Parties”) harmless from and against any loss, claim, damage, liability, cost or
	>	rneys’ and		>	expense of any
	892	expert witness fees and expenses and all costs of investigation) (collectively,		912	kind (including reasonable attorneys’ and expert witness fees and expenses and a
	>	“Losses”) in		>	ll costs of
	893			913	investigation) (collectively, “Losses”) in connection with any third party claim
				>	resulting or
	894	connection with any third party claim resulting or arising from:		914	arising from:
	895	• your use of the Digital Platforms, any Service or Product, or the use of the D		915	• your use of the Digital Platforms, any Service or Product, or the use of the D
	>	igital		>	igital
	896	Platforms or any Service or Product by anyone using your Card number, account		916	Platforms or any Service or Product by anyone using your Card number, account
	897	number, PIN, user ID or Password, or other login credentials, identity verificat		917	number, PIN, user ID or Password, or other login credentials, identity verificat
	>	ion		>	ion
	906	• willful misconduct, fraud, criminal activity, intentional tort or negligence o		926	• willful misconduct, fraud, criminal activity, intentional tort or negligence o
	>	f you or any		>	f you or any
	907	other person or entity (other than us);		927	other person or entity (other than us);
	908	• any transmission or Instruction, whether or not authorized, acted upon by us i		928	• any transmission or Instruction, whether or not authorized, acted upon by us i
	>	n good		>	n good
n			n	929
	909	faith and in reliance upon the user IDs, Passwords, or your other login credenti		930	faith and in reliance upon the user IDs, Passwords, or your other login credenti
	>	als,		>	als,
	910	identity verification methods, or sensitive information;		931	identity verification methods, or sensitive information;
	911	• our acting, purporting to act or disclosing any information in accordance with		932	• our acting, purporting to act or disclosing any information in accordance with
	>	your		>	your
	931	unreasonably withheld).		952	unreasonably withheld).
	932	Your obligations under this Section 17 shall be in addition to any obligations c		953	Your obligations under this Section 17 shall be in addition to any obligations c
	>	ontained in the		>	ontained in the
	933	Other Documents and shall survive termination of this Agreement.		954	Other Documents and shall survive termination of this Agreement.
n	934		n
	935	18. Risk of Loss		955	18. Risk of Loss
	936	In the event of a system failure or interruption, your data may be lost or destr		956	In the event of a system failure or interruption, your data may be lost or destr
	>	oyed. Any		>	oyed. Any
	937	transaction(s) that you initiated, were in the process of completing, or complet		957	transaction(s) that you initiated, were in the process of completing, or complet
	>	ed shortly		>	ed shortly
	944	destruction or damage shall impair any of your obligations hereunder which shall		964	destruction or damage shall impair any of your obligations hereunder which shall
	>	continue in		>	continue in
	945	full force and effect.		965	full force and effect.
	946	19. Authorization for Minors and Children to Access Digital Platforms and		966	19. Authorization for Minors and Children to Access Digital Platforms and
n			n	967
	947	Services		968	Services
	948	We may allow you to grant your child use or access to certain Digital Platforms		969	We may allow you to grant your child use or access to certain Digital Platforms
	>	and Services		>	and Services
	949	that are linked to your profile on the Digital Platforms. If you authorize us to		970	that are linked to your profile on the Digital Platforms. If you authorize us to
	>	grant your child		>	grant your child
	968	and any associated documentation (“Products”) for use only directly in conjuncti		989	and any associated documentation (“Products”) for use only directly in conjuncti
	>	on with its		>	on with its
	969	permitted use of the applicable Service.		990	permitted use of the applicable Service.
	970	Title and Ownership		991	Title and Ownership
n	971		n
	972	You acknowledge and agree that: (a) other than your electronic records stored by		992	You acknowledge and agree that: (a) other than your electronic records stored by
	>	the Digital		>	the Digital
	973	Platforms or the Services, all content included in or available through the Digi		993	Platforms or the Services, all content included in or available through the Digi
	>	tal Platforms		>	tal Platforms
	974	and Services is the property of JPMC and/or third parties and is protected by co		994	and Services is the property of JPMC and/or third parties and is protected by co
	>	pyrights,		>	pyrights,
	981	Service should be construed as granting by implication or otherwise any license		1001	Service should be construed as granting by implication or otherwise any license
	>	or right to		>	or right to
	982	use any Trademark without the express written permission of JPMC or the third pa		1002	use any Trademark without the express written permission of JPMC or the third pa
	>	rty which		>	rty which
	983	has rights to such Trademark, as appropriate.		1003	has rights to such Trademark, as appropriate.
n			n	1004
	984	Except for the licenses granted to you under this Agreement, all rights, interes		1005	Except for the licenses granted to you under this Agreement, all rights, interes
	>	t and title in		>	t and title in
	985	and to the Digital Platforms and Services, associated content, technology, appli		1006	and to the Digital Platforms and Services, associated content, technology, appli
	>	cation,		>	cation,
	986	website(s) and Products, including any improvements, modifications, and derivati		1007	website(s) and Products, including any improvements, modifications, and derivati
	>	ve works,		>	ve works,
	1008	intellectual property rights notices or labels on the Digital Platforms; or (d)		1029	intellectual property rights notices or labels on the Digital Platforms; or (d)
	>	otherwise exercise		>	otherwise exercise
	1009	any other right to the Digital Platforms not expressly granted in this Agreement		1030	any other right to the Digital Platforms not expressly granted in this Agreement
	>	. We, or our		>	. We, or our
	1010	licensors, own all right, title and interest, including all intellectual propert		1031	licensors, own all right, title and interest, including all intellectual propert
	>	y rights (including all		>	y rights (including all
n	1011		n
	1012	names, trade names, trademarks, service marks, slogans, logos or other indicia)		1032	names, trade names, trademarks, service marks, slogans, logos or other indicia)
	>	in and to the		>	in and to the
	1013	Digital Platforms, Services, and Products (including the products and services a		1033	Digital Platforms, Services, and Products (including the products and services a
	>	ccessed		>	ccessed
	1014	through the Mobile Services). No license or other right in or to the Digital Pla		1034	through the Mobile Services). No license or other right in or to the Digital Pla
	>	tforms, Services,		>	tforms, Services,
	1019	your (and expressly not our) responsibility to establish reasonable backups, acc		1039	your (and expressly not our) responsibility to establish reasonable backups, acc
	>	uracy checks		>	uracy checks
	1020	and security precautions to guard against possible malfunctions, loss of data an		1040	and security precautions to guard against possible malfunctions, loss of data an
	>	d		>	d
	1021	unauthorized access.		1041	unauthorized access.
n			n	1042
	1022	Patent Infringement		1043	Patent Infringement
	1023	In the event the Products become, or in our opinion are reasonably likely to bec		1044	In the event the Products become, or in our opinion are reasonably likely to bec
	>	ome, the		>	ome, the
	1024	subject of a claim of infringement, you will allow us, at our option and expense		1045	subject of a claim of infringement, you will allow us, at our option and expense
	>	, to replace the		>	, to replace the
	1043	22. Links		1064	22. Links
	1044	Our websites may contain third party content and links to other third party apps		1065	Our websites may contain third party content and links to other third party apps
	>	or web sites		>	or web sites
	1045	(collectively, “Linked Sites”). We are not responsible for, nor do we control, t		1066	(collectively, “Linked Sites”). We are not responsible for, nor do we control, t
	>	he content,		>	he content,
n	1046		n
	1047	products, or services provided by Linked Sites. We do not endorse or guarantee t		1067	products, or services provided by Linked Sites. We do not endorse or guarantee t
	>	he products,		>	he products,
	1048	information or recommendations provided by Linked Sites, and are not liable for		1068	information or recommendations provided by Linked Sites, and are not liable for
	>	any failure		>	any failure
	1049	of products or services advertised on those sites. In addition, each third party		1069	of products or services advertised on those sites. In addition, each third party
	>	site may		>	site may
	1054	cooperate and provide information or documents, at your expense, as may be reaso		1074	cooperate and provide information or documents, at your expense, as may be reaso
	>	nably		>	nably
	1055	requested by us to aid in the clearing and collection process, to resolve claims		1075	requested by us to aid in the clearing and collection process, to resolve claims
	>	by third parties		>	by third parties
	1056	with respect to any Item, or for audit purposes.		1076	with respect to any Item, or for audit purposes.
n			n	1077
	1057	24. Termination and Suspension; Assignment; Survival		1078	24. Termination and Suspension; Assignment; Survival
	1058	We may terminate or suspend this Agreement or any Addendum, or terminate, suspen		1079	We may terminate or suspend this Agreement or any Addendum, or terminate, suspen
	>	d,		>	d,
	1059	restrict, or limit your access privileges to the Digital Platforms or any Servic		1080	restrict, or limit your access privileges to the Digital Platforms or any Servic
	>	e, in whole or part,		>	e, in whole or part,
	1061	the Digital Platforms or Services for a period of three (3) months or greater, f		1082	the Digital Platforms or Services for a period of three (3) months or greater, f
	>	or reasons		>	or reasons
	1062	involving your use of the Digital Platforms or Services which we may deem to be		1083	involving your use of the Digital Platforms or Services which we may deem to be
	>	illegal or		>	illegal or
	1063	potentially brand damaging, when you no longer have an eligible account, after w		1084	potentially brand damaging, when you no longer have an eligible account, after w
	>	e receive		>	e receive
n	1064	notice of death, or if we deem your use of a third-party AI agent or agentic AI	n	1085	notice of death, or if you share your Login Credentials or other sensitive accou
	>	potentially		>	nt information
	1065	compromises their security or the security of your accounts, or may be deemed to		1086	with third-parties, including External AI. We may determine other eligibility cr
	>	violate any		>	iteria and
	1066	applicable laws or regulations. We may determine other eligibility criteria and
	>	decline or
	1067	prevent any or all transactions through the Digital Platforms or the Services, e		1087	decline or prevent any or all transactions through the Digital Platforms or the
	>	ach in our sole		>	Services, each
	1068	discretion. The obligations and liabilities of the parties incurred prior to the		1088	in our sole discretion. The obligations and liabilities of the parties incurred
	>	termination date		>	prior to the
	1069	shall survive the termination of this Agreement for all purposes. Upon terminati		1089	termination date shall survive the termination of this Agreement for all purpose
	>	on, you shall		>	s. Upon
	1070	immediately discontinue use of the Digital Platforms and Services and delete any		1090	termination, you shall immediately discontinue use of the Digital Platforms and
	>	applicable		>	Services and
	1071	copies. For the avoidance of doubt, we may (a) assign our interest in this Agree		1091	delete any applicable copies. For the avoidance of doubt, we may (a) assign our
	>	ment, in whole		>	interest in
	1072	or in part, to our successors or to any now-existing or future direct or indirec		1092	this Agreement, in whole or in part, to our successors or to any now-existing or
	>	t subsidiary of us		>	future direct
	1073	or our affiliates or (b) assign or delegate certain of our rights and responsibi		1093	or indirect subsidiary of us or our affiliates or (b) assign or delegate certain
	>	lities under this		>	of our rights and
	1074	Agreement to independent contractors or other third parties. Termination of this		1094	responsibilities under this Agreement to independent contractors or other third
	>	Agreement		>	parties.
	1075	or any Addendum will not affect the terms or status of any underlying account yo		1095	Termination of this Agreement or any Addendum will not affect the terms or statu
	>	u have with		>	s of any
	1076	us. Each account agreement will continue to be governed by its own terms.		1096	underlying account you have with us. Each account agreement will continue to be
				>	governed
				1097	by its own terms.
	1077	You may not assign this Agreement.		1098	You may not assign this Agreement.
	1078	After this Agreement or any Addendum terminates, the terms of this Agreement and		1099	After this Agreement or any Addendum terminates, the terms of this Agreement and
	>	that		>	that
	1079	Addendum that expressly or by their nature contemplate performance after such te		1100	Addendum that expressly or by their nature contemplate performance after such te
	>	rmination		>	rmination
	1081	protecting our confidential information, requiring indemnification and setting f		1102	protecting our confidential information, requiring indemnification and setting f
	>	orth		>	orth
	1082	limitations of liability each, by their nature, contemplate performance or obser		1103	limitations of liability each, by their nature, contemplate performance or obser
	>	vance after this		>	vance after this
	1083	Agreement or an Addendum terminates.		1104	Agreement or an Addendum terminates.
n	1084		n
	1085	25. Notice of Claims		1105	25. Notice of Claims
	1086	If you receive notice of any Claim regarding the Digital Platforms or any Servic		1106	If you receive notice of any Claim regarding the Digital Platforms or any Servic
	>	e, you shall		>	e, you shall
	1087	promptly provide us with a written notice of it.		1107	promptly provide us with a written notice of it.
	1091	exercising any rights or remedies shall operate as a waiver of such rights or re		1111	exercising any rights or remedies shall operate as a waiver of such rights or re
	>	medies or any		>	medies or any
	1092	other rights or remedies. A waiver on any one occasion shall not be construed as		1112	other rights or remedies. A waiver on any one occasion shall not be construed as
	>	a bar or		>	a bar or
	1093	waiver of any rights or remedies on future occasions.		1113	waiver of any rights or remedies on future occasions.
n			n	1114
	1094	If any provision of this Agreement conflicts with the law under which this Agree		1115	If any provision of this Agreement conflicts with the law under which this Agree
	>	ment is to be		>	ment is to be
	1095	construed or if any provision of this Agreement is held invalid or unenforceable		1116	construed or if any provision of this Agreement is held invalid or unenforceable
	>	by a court of		>	by a court of
	1096	competent jurisdiction, that provision will be deemed to be restated to reflect		1117	competent jurisdiction, that provision will be deemed to be restated to reflect
	>	as nearly as		>	as nearly as
	1112	Services shall be governed by the laws set forth in the underlying applicable ac		1133	Services shall be governed by the laws set forth in the underlying applicable ac
	>	count or		>	count or
	1113	cardmember agreement.		1134	cardmember agreement.
	1114	This Section 28 shall survive termination of this Agreement.		1135	This Section 28 shall survive termination of this Agreement.
n	1115	GLOSSARY	n	1136	DEFINITIONS
	1116	“ACH” or “Automated Refers to an electronic deposit to, or withdrawal from, your		1137	Refers to an electronic deposit to, or withdrawal from, your
	1117			1138	“ACH” or “Automated
	1118	Clearing House” account that we receive or send through the “automated clearing		1139	account that we receive or send through the “automated clearing
				1140	Clearing House”
	1119	house” network.		1141	house” network.
	1120	Refers to each addendum to this Agreement, including any		1142	Refers to each addendum to this Agreement, including any
	1121	“Addendum”		1143	“Addendum”
	1126	Refers to a service which provides customers text message		1148	Refers to a service which provides customers text message
	1127	“Alerts” communications, email communications and push notifications		1149	“Alerts” communications, email communications and push notifications
	1128	regarding their accounts from JPMC.		1150	regarding their accounts from JPMC.
n			n	1151	“Artificial Intelligence” Refers to a machine-based system that is designed to o
				>	perate with
				1152	or “AI” varying levels of autonomy.
				1153
	1129	Refers to a one-time payment or repeating payments made from		1154	Refers to a one-time payment or repeating payments made from
	1130	“Bill Payment(s)”		1155	“Bill Payment(s)”
	1131	an eligible account to companies, merchants, or individuals.		1156	an eligible account to companies, merchants, or individuals.
	1160	“Communication Refers to an entity offering the transmission, routing, or provid		1185	“Communication Refers to an entity offering the transmission, routing, or provid
	>	ing		>	ing
	1161	Service Provider” of connections for communications or access via the telephone.		1186	Service Provider” of connections for communications or access via the telephone.
	1162	Refers to any deposit account, such as a checking or savings		1187	Refers to any deposit account, such as a checking or savings
n	1163	“Consumer Account”	n
	1164	account, you have with us that is established primarily for		1188	“Consumer Account” account, you have with us that is established primarily for
	1165
	1166	personal, family or household banking purposes.		1189	personal, family or household banking purposes.
	1167	Refers to a payment, including a Bill Payment, ACH Collection, or		1190	Refers to a payment, including a Bill Payment, ACH Collection, or
	1168	Transfer, from an account held by us that is scheduled with a		1191	Transfer, from an account held by us that is scheduled with a
	1172	Refers to the time by which we must receive Instructions to have		1195	Refers to the time by which we must receive Instructions to have
	1173	“Cutoff Time” them considered entered on that particular Business Day. See		1196	“Cutoff Time” them considered entered on that particular Business Day. See
	1174	each Addendum for additional details.		1197	each Addendum for additional details.
n	1175	Refers to the date you would like your payment (including Bill	n	1198	“Deliver By Date” Refers to the date you would like your payment (including Bill
				1199
	1176	Payment or ACH Payment) or Transfer delivered to your intended		1200	Payment or ACH Payment) or Transfer delivered to your intended
n	1177	“Deliver By Date”	n
	1178	recipient (i.e., your Payee or your To Account); this may or may not		1201	recipient (i.e., your Payee or your To Account); this may or may not
	1179	be the date your payment will be posted by your Payee.		1202	be the date your payment will be posted by your Payee.
	1180	Refers to the way your payment is transmitted (i.e., either		1203	Refers to the way your payment is transmitted (i.e., either
	1181	“Delivery Method”		1204	“Delivery Method”
	1182	electronically or via check).		1205	electronically or via check).
	1183	“ET” Refers to Eastern Standard Time.		1206	“ET” Refers to Eastern Standard Time.
n			n	1207	Means, collectively, Third-party AI and Third-party AI Agent, and
				1208	“External AI”
				1209	includes any provider thereof.
	1184	Refers to an end user license agreement or software license		1210	Refers to an end user license agreement or software license
	1185	“EULA” agreement whereby a licensor and purchaser establish the		1211	“EULA” agreement whereby a licensor and purchaser establish the
	1186	purchaser’s right to use the software.		1212	purchaser’s right to use the software.
	1208	your From Account.		1234	your From Account.
	1209	Refers to when a payment (including an ACH Payment or Bill		1235	Refers to when a payment (including an ACH Payment or Bill
	1210	Payment) or Transfer will not be delivered after multiple		1236	Payment) or Transfer will not be delivered after multiple
n	1211	“Funding Failed”	n
	1212	unsuccessful attempts have been made to withdraw funds from		1237	unsuccessful attempts have been made to withdraw funds from
n	1213	the appropriate From Account on consecutive Business Days or	n	1238	“Funding Failed” the appropriate From Account on consecutive Business Days or
	1214
	1215	when the financial institution holding your External Account		1239	when the financial institution holding your External Account
	1216	notifies us that your attempted Transfer from your External		1240	notifies us that your attempted Transfer from your External
	1217	Account could not be completed.		1241	Account could not be completed.
	1220	“Funds Needed”		1244	“Funds Needed”
	1221	to complete the transaction after the first and/or second attempt		1245	to complete the transaction after the first and/or second attempt
	1222	to withdraw the funds.		1246	to withdraw the funds.
n			n	1247
	1223	Refers to Instructions that are not scheduled to begin processing		1248	Refers to Instructions that are not scheduled to begin processing
	1224	on the current Business Day; only Business Days may be selected		1249	on the current Business Day; only Business Days may be selected
	1225	for Future Dated payments and Transfers. Future Dated		1250	for Future Dated payments and Transfers. Future Dated
	1257	Refers to a paper check or other paper source document only		1282	Refers to a paper check or other paper source document only
	1258	“Item”		1283	“Item”
	1259	payable in U.S. Dollars.		1284	payable in U.S. Dollars.
n	1260	“JPMC”, “J.P. Morgan Refers to JPMorgan Chase Bank, National Association, any pa	n	1285	Refers to JPMorgan Chase Bank, National Association, any parent
	>	rent
				1286	“JPMC”, “J.P. Morgan
	1261	Chase”, “J.P. Morgan company, subsidiary, affiliate, licensee, predecessor, or s		1287	company, subsidiary, affiliate, licensee, predecessor, or successors
	>	uccessors
				1288	Chase”, “J.P. Morgan
	1262	Chase Bank, N.A.”, of such entity that holds your accounts or provides you servi		1289	of such entity that holds your accounts or provides you services
	>	ces
				1290	Chase Bank, N.A.”,
	1263	“”JPMorgan Chase and any agent, independent contractor, designee, or assignee th		1291	and any agent, independent contractor, designee, or assignee that
	>	at
	1264			1292	“”JPMorgan Chase
	1265	Bank, N.A.”, “Chase” we may, at our sole discretion, involve in the provision of		1293	we may, at our sole discretion, involve in the provision of the
	>	the
				1294	Bank, N.A.”, “Chase”
	1266	applicable Service.		1295	applicable Service.
	1267	“J.P. Morgan” and “JP		1296	“J.P. Morgan” and “JP
	1268	Refers to J.P. Morgan Securities LLC.		1297	Refers to J.P. Morgan Securities LLC.
	1269	Morgan”		1298	Morgan”
	1270	Refers to the mobile, client-facing platform on which certain JPMC		1299	Refers to the mobile, client-facing platform on which certain JPMC
n	1271	customers, including clients of our Private Bank manage their	n	1300	“J.P. Morgan Mobile” customers, including clients of our Private Bank manage the
				>	ir
	1272	“J.P. Morgan Mobile”
	1273	assets and access their investment, banking and credit account		1301	assets and access their investment, banking and credit account
n			n	1302
	1274	information.		1303	information.
	1275	Refers to the online, client-facing platform,		1304	Refers to the online, client-facing platform,
	1276	www.jpmorganonline.com, on which certain JPMC customers,		1305	www.jpmorganonline.com, on which certain JPMC customers,
	1277	“J.P. Morgan Online”		1306	“J.P. Morgan Online”
	1278	including clients of our Private Bank manage their assets and		1307	including clients of our Private Bank manage their assets and
	1279	access their investment, banking and credit account information.		1308	access their investment, banking and credit account information.
n			n	1309	Refers to PINs, user IDs, passwords, biometrics, security keys,
				1310	syncable authenticators (e.g., passkeys), or any other means of
				1311	“Login Credentials”
				1312	accessing the Digital Platforms or your accounts or Services
				1313	thereon.
	1280	Refers to any mobile products, services, functionality and		1314	Refers to any mobile products, services, functionality and
	1281	associated documentation or software available on Chase Mobile		1315	associated documentation or software available on Chase Mobile
	1282	“Mobile Services”		1316	“Mobile Services”
	1313	“Pending” on the Send On Date. All Future Dated ACH Collections and ACH		1347	“Pending” on the Send On Date. All Future Dated ACH Collections and ACH
	1314	Payments are “Pending” starting from the time you enter		1348	Payments are “Pending” starting from the time you enter
	1315	Instructions until they are released by us or “Funded”.		1349	Instructions until they are released by us or “Funded”.
n	1316		n
	1317	Refers to a natural person or a business, government, or nonprofit		1350	Refers to a natural person or a business, government, or nonprofit
	1318	“Person”		1351	“Person”
	1319	entity.		1352	entity.
n	1320	Refers to the checking or prepaid account, if eligible, you	n	1353	“Primary Account” Refers to the checking or prepaid account, if eligible, you
	1321	“Primary Account”		1354
	1322	designate for paying any potential monthly service fees.		1355	designate for paying any potential monthly service fees.
	1323	Means an electronic payment has been sent to the payee;		1356	Means an electronic payment has been sent to the payee;
	1324	however, since electronic payees do not provide us with		1357	however, since electronic payees do not provide us with
	1360	Refers to all software, hardware or other equipment necessary for		1393	Refers to all software, hardware or other equipment necessary for
	1361	“Systems”		1394	“Systems”
	1362	you to access and use the Digital Platforms and Services.		1395	you to access and use the Digital Platforms and Services.
n			n	1396	“Third-party AI” Refers to any third-party provided AI-based software or service
				>	.
				1397	Refers to (i) any third party that provides, makes available, or
				1398	enables access to AI-based software or service, and/or (ii) any AI-
				1399	based software or service provided by a third party that takes
				1400	“Third-party AI Agent”
				1401	autonomous, semi-autonomous, or non-autonomous action on
				1402	behalf of, or at the instruction of, any person (human or entity),
				1403	including you.
	1363	Refers to the account to which funds will be transferred as		1404	“To Account” Refers to the account to which funds will be transferred as
	1364	“To Account”		1405
	1365	requested by you via any of the Services.		1406	requested by you via any of the Services.
	1366	Refers to the date we will begin the delivery process for Transfers		1407	Refers to the date we will begin the delivery process for Transfers
n	1367	“Transfer Date” made via the Internal Transfer Service, or the External Transfer	n	1408	made via the Internal Transfer Service, or the External Transfer
				1409	“Transfer Date”
	1368	Service. For clarity, this is the date the Transfer request will be		1410	Service. For clarity, this is the date the Transfer request will be
n	1369		n
	1370	sent.		1411	sent.
	1371	Refers to a transfer of funds pursuant to an Instruction to move		1412	Refers to a transfer of funds pursuant to an Instruction to move
	1372	“Transfers”		1413	“Transfers”
	1406	purposes of this Addendum, the “Service”) and contains terms applicable to both		1447	purposes of this Addendum, the “Service”) and contains terms applicable to both
	>	Business		>	Business
	1407	Accounts and Consumer Accounts. Sections 1 and 2 apply equally to both Business		1448	Accounts and Consumer Accounts. Sections 1 and 2 apply equally to both Business
	>	Accounts		>	Accounts
	1408	and Consumer Accounts, Sections 3-5 apply only to Business Accounts and Section		1449	and Consumer Accounts, Sections 3-5 apply only to Business Accounts and Section
	>	6 applies		>	6 applies
n			n	1450
	1409	only to Consumer Accounts.		1451	only to Consumer Accounts.
	1410	The Service is a feature that allows customers to delegate certain functions of		1452	The Service is a feature that allows customers to delegate certain functions of
	>	the Online		>	the Online
	1411	Services to one or more sub-users. In Sections 1-5 below, the term “you” and “yo		1453	Services to one or more sub-users. In Sections 1-5 below, the term “you” and “yo
	>	ur” means		>	ur” means
n	1412		n
	1413	the business entity applying for or using the Online Services. If you are the Ac		1454	the business entity applying for or using the Online Services. If you are the Ac
	>	count		>	count
	1414	Administrator (as defined below), the terms “you” or “your” also mean, as applic		1455	Administrator (as defined below), the terms “you” or “your” also mean, as applic
	>	able, (a) in		>	able, (a) in
	1415	Sections 1-5 below, you in your capacity as an authorized representative of a bu		1456	Sections 1-5 below, you in your capacity as an authorized representative of a bu
	>	siness entity		>	siness entity
	1443	instructions to add, delete or modify the access rights of any Account Administr		1484	instructions to add, delete or modify the access rights of any Account Administr
	>	ator or any		>	ator or any
	1444	Authorized Users until we have a commercially reasonable opportunity to act upon		1485	Authorized Users until we have a commercially reasonable opportunity to act upon
	>	any notice		>	any notice
	1445	given in accordance with the terms of this Agreement.		1486	given in accordance with the terms of this Agreement.
n			n	1487
	1446	ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS		1488	ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS
n	1447		n
	1448	ONLY (See Section 6 below for Additional Terms and		1489	ONLY (See Section 6 below for Additional Terms and
	1449	Conditions Applicable to Consumer Accounts Only)		1490	Conditions Applicable to Consumer Accounts Only)
	1450	3. Authority of Account Administrator		1491	3. Authority of Account Administrator
	1480	provided herein shall continue until such time as you have given us written noti		1521	provided herein shall continue until such time as you have given us written noti
	>	ce of any		>	ce of any
	1481	changes to the Account Administrator and until we have had a commercially reason		1522	changes to the Account Administrator and until we have had a commercially reason
	>	able time		>	able time
	1482	to act upon such notice. You further understand and agree that changes to the Ac		1523	to act upon such notice. You further understand and agree that changes to the Ac
	>	count		>	count
n			n	1524
	1483	Administrator will not automatically affect the access or entitlements of the Au		1525	Administrator will not automatically affect the access or entitlements of the Au
	>	thorized Users		>	thorized Users
n	1484		n
	1485	to your accounts via the Online Services. It is your responsibility to maintain		1526	to your accounts via the Online Services. It is your responsibility to maintain
	>	the entitlements		>	the entitlements
	1486	of the Authorized Users at all times; provided, however, that we may at our opti		1527	of the Authorized Users at all times; provided, however, that we may at our opti
	>	on and		>	on and
	1487	without liability to you, suspend access to the Online Services to any user at a		1528	without liability to you, suspend access to the Online Services to any user at a
	>	ny time, without		>	ny time, without
	1517	Accounts that you may have linked for the Online Services (including any and all		1558	Accounts that you may have linked for the Online Services (including any and all
	>	online		>	online
	1518	history with respect to such Consumer Accounts) until you have requested us to r		1559	history with respect to such Consumer Accounts) until you have requested us to r
	>	emove such		>	emove such
	1519	accounts and we have a commercially reasonable time to act upon such request.		1560	accounts and we have a commercially reasonable time to act upon such request.
n	1520	DEFINITIONS	n	1561	7. DEFINITIONS
				1562
	1521	• “Account Administrator” means any signer on your Business Account or Consumer		1563	• “Account Administrator” means any signer on your Business Account or Consumer
n	1522		n
	1523	Accounts or any other person authorized by you to perform the Account Administra		1564	Accounts or any other person authorized by you to perform the Account Administra
	>	tor		>	tor
	1524	activities designated herein. For Commercial Term Lending loans, Account Adminis		1565	activities designated herein. For Commercial Term Lending loans, Account Adminis
	>	trator		>	trator
	1525	also means (if applicable and at our sole discretion) a borrower, guarantor or k		1566	also means (if applicable and at our sole discretion) a borrower, guarantor or k
	>	ey		>	ey
	2156	this Addendum (including Section 11 below), all capitalized terms used but not d		2197	this Addendum (including Section 11 below), all capitalized terms used but not d
	>	efined herein		>	efined herein
	2157			2198
	2158	shall have the meaning set forth in the preamble on page one of the Agreement or		2199	shall have the meaning set forth in the preamble on page one of the Agreement or
	>	otherwise		>	otherwise
n	2159	in General Terms and Conditions (e.g. in the Glossary).	n	2200	in General Terms and Conditions (e.g., in the Definitions).
	2160	Not all accounts are eligible for the Bill Payment Service. We reserve the right		2201	Not all accounts are eligible for the Bill Payment Service. We reserve the right
	>	to limit eligibility		>	to limit eligibility
	2161	to certain types of accounts and to change such eligibility from time to time. W		2202	to certain types of accounts and to change such eligibility from time to time. W
	>	e also reserve		>	e also reserve
	2162	the right to restrict categories or number of recipients or Payees to whom Bill		2203	the right to restrict categories or number of recipients or Payees to whom Bill
	>	Payments may		>	Payments may
	2163	be made in our sole discretion. Eligible accounts are described below in this Ad		2204	be made in our sole discretion. Eligible accounts are described below in this Ad
	>	dendum.		>	dendum.
	2164	1. General Terms Applicable to Bill Payments		2205	1. General Terms Applicable to Bill Payments
	2165	When you use, or allow another to use, the Bill Payment Service to send Instruct		2206	When you use, or allow another to use, the Bill Payment Service to send Instruct
	>	ions to us to		>	ions to us to
n	2166	make Bill Payments (see Glossary for definition) through the Bill Payment Servic	n	2207	make Bill Payments (see the General Terms and Conditions Definitions section) th
	>	e you agree to		>	rough the
	2167	the terms and conditions set forth in this Addendum. You agree that you will not		2208	Bill Payment Service you agree to the terms and conditions set forth in this Add
	>	use this Bill		>	endum. You
	2168	Payment Service for international ACH transactions, which are prohibited under t		2209	agree that you will not use this Bill Payment Service for international ACH tran
	>	his		>	sactions, which
	2169	Addendum. You also agree that once a Bill Payment has been designated with a sta		2210	are prohibited under this Addendum. You also agree that once a Bill Payment has
	>	tus of		>	been
	2170	“Sent” or “Completed”, you cannot cancel that Bill Payment.		2211	designated with a status of “Sent” or “Completed”, you cannot cancel that Bill P
				>	ayment.
	2171	All of your Bill Payments made through the Bill Payment Service will appear on t		2212	All of your Bill Payments made through the Bill Payment Service will appear on t
	>	he		>	he
	2172	statements for your respective accounts. Certain payments available through the		2213	statements for your respective accounts. Certain payments available through the
	>	Services (as		>	Services (as
	2173	defined on page one of the Agreement) may also be subject to terms and condition		2214	defined on page one of the Agreement) may also be subject to terms and condition
	>	s or		>	s or
	3570	products with us, or the type of transaction being conducted, the dollar amount,		3611	products with us, or the type of transaction being conducted, the dollar amount,
	>	type of		>	type of
	3571	currency, and the date and the time of the exchange. If we complete a foreign cu		3612	currency, and the date and the time of the exchange. If we complete a foreign cu
	>	rrency		>	rrency
	3572	exchange on your behalf, such as exchanging a foreign currency incoming wire tra		3613	exchange on your behalf, such as exchanging a foreign currency incoming wire tra
	>	nsfer into		>	nsfer into
n	3573	U.S. dollars , we may apply a rate we have established without prior notice to y	n	3614	U.S. dollars, we may apply a rate we have established without prior notice to yo
	>	ou.		>	u.
	3574	If you send a repeating or future dated funds transfer in a foreign currency, yo		3615	If you send a repeating or future dated funds transfer in a foreign currency, yo
	>	u authorize us		>	u authorize us
	3575	to deduct the amount from your account using the foreign exchange rate we offer		3616	to deduct the amount from your account using the foreign exchange rate we offer
	>	on the		>	on the
	3576	date we start processing your funds transfer and you agree you are not entering		3617	date we start processing your funds transfer and you agree you are not entering
	>	into a		>	into a
	4758	overdraft protection) on the Transfer date, we will automatically try to debit y		4799	overdraft protection) on the Transfer date, we will automatically try to debit y
	>	our account		>	our account
	4759	up to two (2) more times on each of the three (3) succeeding Business Days. For		4800	up to two (2) more times on each of the three (3) succeeding Business Days. For
	>	these		>	these
	4760	attempts, a status of “Funds Needed” will appear in your Transfer Activity on Ch		4801	attempts, a status of “Funds Needed” will appear in your Transfer Activity on Ch
	>	ase Online		>	ase Online
t	4761	and Chase Mobile . After the final attempt, the transfer request will be Cancell	t	4802	and Chase Mobile. After the final attempt, the transfer request will be Cancelle
	>	ed. A status of		>	d. A status of
	4762	“Funding Failed” will appear in your Transfer Activity on Chase Online and Chase		4803	“Funding Failed” will appear in your Transfer Activity on Chase Online and Chase
	>	Mobile. We		>	Mobile. We
	4763	will also notify you of each failed attempt to transfer from your From Account i		4804	will also notify you of each failed attempt to transfer from your From Account i
	>	n accordance		>	n accordance
	4764	with applicable laws and regulations.		4805	with applicable laws and regulations.

← Back to timeline