Legal

Introduction

Hello and welcome to Grant Street Group, LLC’s ("Grant Street", "we", or "us") Terms of Service ("Terms") that apply to grantstreet.com and any website where we display or link to these Terms (collectively, the "Website).

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By the Website user accessing and/or using the Website, these Terms are entered into by and between the user ("you") and Grant Street. These Terms together with our Privacy Policy, found below, and any documents, websites, or actions that expressly incorporate by reference the Terms, govern your access to, and use of, the Website and any services provided to you by Grant Street. The Website is a copyrighted work belonging to us. In addition to www.grantstreet.com, Grant Street also hosts other websites. To the extent that any such other website has a site-specific Legal Notice, and to the extent that such site-specific Legal Notice differs from these Terms, the site-specific Legal Notice controls. All such additional terms, guidelines, and rules are incorporated by reference into these Terms.

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BY ACCESSING OR USING THE WEBSITE OR ENGAGING WITH GRANT STREET’S SERVICES, YOU ARE ACCEPTING THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT), AND YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT). IF YOU DO NOT AGREE WITH ALL OF THE PROVISIONS OF THESE TERMS, DO NOT ACCESS AND/OR USE THE WEBSITE OR GRANT STREET’S SERVICES.

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SUBJECT TO CERTAIN EXCEPTIONS, ALL DISPUTES BETWEEN GRANT STREET AND USERS OF THE WEBSITE WILL BE SUBJECT TO INDIVIDUAL MANDATORY AND BINDING ARBITRATION AS DESCRIBED IN DETAIL BELOW, WHICH MEANS THAT DISPUTES WILL NOT BE HEARD IN COURT.

Changes to the Terms

We may revise and update these Terms from time to time at our sole discretion without notice to you. The most current version of the Terms can be reviewed by clicking the "Terms of Service" hypertext link located at the bottom of our Website. All changes are effective immediately and apply thereafter. Your continued use of the Website following the posting of a revised Terms means that you accept and agree to the new Terms. Please check this page from time to time so you are aware of any changes, as they are binding on you.

Accessing the Website

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

• To modify, make derivatives of, disassemble, reverse compile, or reverse engineer any part of the Website.
• To access the Website in order to build a similar or competitive Website, product, or service.
• To attempt to license, sell, rent, lease, transfer, assign, distribute, host or otherwise commercially exploit the Website.
• In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, y laws regarding the export of data or software to and from the US or other countries).
• To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Grant Street or users of the Website or expose them to liability.
• Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website.
• Use or permit the use, where by automated means or otherwise, of any software, tool or other device (including, but not limited to robots, crawlers, spiders or scripts) on any Sites or Digital Applications, or otherwise on the Website content, in order to copy, collect or scrape on the Website (other than any such use by a public search engine for the sole purpose of providing direct, non-amalgamated links to the Website that do not include any generative or derivative works based on or including Website content).
• Conduct data mining on, apply machine learning tools or models to, or train machine learning tools or models or any other artificial intelligence technology on the Website or its content.
• Use artificial intelligence tools or models for the purposes of generating text, images or any other material, output or derivative works based on or using Website content, whether or not in the same or similar style as the Website.
• Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website, or attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
• Use any device, software or routine that interferes with the proper working of the Website, or introduce any viruses, Trojan horses, worms, logic bombs or other material that is malicious or technologically harmful.

Registration. To access the Website, certain features, and certain services you may be asked to provide registration details or other information. Your use of the Website is only permitted on the condition that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features or services on the Website, is governed by our Privacy Policy below, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

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Changes. We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, at our sole discretion without notice. Unless we have otherwise specifically agreed, we will not be liable if for any reason all or any part of the Website or Grant Street’s services are unavailable at any time or for any period of time. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

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Accuracy of Information. We will do our best to confirm the accuracy of all information that appears on the Website but cannot guarantee the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Privacy Policy

Grant Street knows that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This section describes Grant Street’s privacy policy (the "Privacy Policy"). By visiting our Website, you are accepting the practices described in this Privacy Policy.

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As you browse our Website, information may be collected and stored related to your visit. For example, to help Grant Street better serve the visitors of our Website, and improve the Website itself, Grant Street may monitor and store statistics such as:

• How many people visit our Website
• Which pages people visit on our Website
• Which browsers people use to visit our Website

Grant Street recognizes the need of visitors to the Website for reasonable control of their personally identifiable information. The term "personally identifiable information" as used herein refers to any information associated with a visitor’s name or identity. Grant Street uses this information to better understand the general needs of visitors and to provide visitors with better service. To help Grant Street improve the experience of visitors, Grant Street might also track how visitors, in general, use the Website and any interactive features or services on the Website.

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If you elect to access a service offered on our Website, or to receive information, we may ask you to provide contact information that includes personally identifiable information. We may use such personally identifiable information as we would use the same information obtained in a traditional non-electronic manner. Grant Street works to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information transmitted between your browser and our servers.

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Grant Street obtains and uses personally identifiable information for business purposes only. Grant Street does not sell or disclose personally identifiable information obtained online to anyone outside of Grant Street unless: (a) you specifically authorize it; (b) disclosure is required or permitted by law and/or required by court order, warrant or subpoena; requested by government officials with reasonable grounds to believe that the information is a communication of a computer trespasser; or (c) disclosure is deemed necessary by Grant Street, in its sole discretion, to protect the safety, rights or property of Grant Street or any other person or entity.

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If you are provided with a username, password or any other piece of information as part of our security procedures, you must treat your Website access information as confidential, and you must not disclose it to any other person or entity. You agree not to share or provide Website access or access information, including your username, password or other Website security information, with any other person or entity. You agree to notify us immediately if there is any unauthorized access to or use of your username or password or any other breach of security. We reserve the right to disable any Website access, username, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms.

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Numerous other provisions and/or practices may be required as a result of laws or industry practices. It is up to you to determine what additional practices must be followed and/or what additional disclosures are required. Please take special notice of the California Online Privacy Protection Act (CalOPPA), which is frequently amended and now includes a disclosure requirement for "Do Not Track" signals.

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If you elect to pay using your bank login via open banking, you will be presented with an interface operated by a third-party open banking provider, Trustly, Inc., to authenticate with your bank and select the account you wish to use for payment. Grant Street does not receive, collect, or store your bank login information from this interface or vendor and cannot use it to access your bank account. We may receive limited information about your bank account from Trustly and/or your bank in order to process your payment, reconcile transactions, prevent fraud, and comply with legal or contractual obligations. This information may include, for example, your bank name, account type, masked or truncated account number, and transaction details related to the payment you authorize.

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If you feel that we are not abiding by this privacy policy, you should contact us immediately.

Intellectual Property Rights

You acknowledge the Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof), are owned by Grant Street, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. Grant Street, TaxSys, PaymentExpress, LienAuction, and other marks and any related logos used by Grant Street from time to time, including those listed in the Trademarks section below are trademarks and the property of Grant Street.

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If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of these Terms, your right to use the Website will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to any downloadable materials, Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by Grant Street. Any use of the Website not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws. There are no implied licenses granted to you under these Terms.

Trademarks

The following are trademarks of Grant Street. This list is not intended to be all inclusive.

Third Party Content and Services

Grant Street may provide links to web pages, services and content of third parties (the "Third Party Content") as a convenience to those interested in this information. Grant Street does not monitor, nor does it have any control over any Third Party Content or terms of use or the privacy policies of such Third Party Content. We do not endorse or adopt any Third Party Content and can make no guarantee as to its accuracy or completeness. All statements and/or opinions expressed in any Third Party Content, and all articles and responses to questions and other content, other than the content provided by us, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Grant Street. Grant Street does not endorse, represent, or warrant the accuracy of any information contained therein and undertakes no responsibility to update or review any Third Party Content. Your use of the Third Party Content is at your own risk. When you click on any of the Third Party Content, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices.

Reliance on Information Posted

The information and content presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

Chatbots

We may use Chatbots to optimize your experience. These technologies are evolving and may have limitations. When you use the Website, you may use or interact with automated features like chatbots, digital assistants, conversational experiences powered by artificial intelligence, or similar technologies ("Chatbots"). Information generated by Chatbots may not be unique. While Chatbots are designed to improve your experience, these technologies are evolving and may have limitations such as generating outputs that are inaccurate or inappropriate to your situation.

Disclaimer of Warranties

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE, IF APPLICABLE, IS AT YOUR OWN RISK, ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER GRANT STREET NOR ANY PERSON ASSOCIATED WITH GRANT STREET MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER GRANT STREET NOR ANYONE ASSOCIATED WITH GRANT STREET REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. GRANT STREET HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, TITLE, AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL GRANT STREET, ITS AFFILIATES OR THEIR LICENSORS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF GRANT STREET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR SUCH DAMAGES WERE FORESEEABLE. YOUR ACCESS TO, AND USE OF THE WEBSITE IS AT YOUR OWN DISCRETION AND YOUR SOLE RISK, YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

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ADDITIONALLY, GRANT STREET WILL NOT BE RESPONSIBLE FOR: LOSS OF DATA, PROFITS, REVENUES, BUSINESS OPPORTUNITIES, GOODWILL OR ANTICIPATED SAVINGS; INDIRECT, INCIDENTAL, OR CONSEQUENTIAL LOSS; OR DAMAGES RELATING TO FAILURES OF TELECOMMUNICATIONS, THE INTERNET, ELECTRONIC COMMUNICATIONS, CORRUPTION, SECURITY, VIRUSES, OR SPYWARE.

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TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THESE TERMS (FOR ANY CAUSE WHATSOEVER REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIME BE LIMITED TO A MAXIMUM OF FIFTY US DOLLARS (U.S. 50ドル). THE EXISTENCE OF MORE THAN ONE CLAIM DOES NOT ENLARGE THIS LIMIT. YOU AGREE THAT OUR AFFILIATES, LICENSORS AND SERVICE PROVIDERS, WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THESE TERMS.

Indemnification

You agree to defend, indemnify and hold harmless Grant Street, its affiliates, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including attorneys' fees) made by any third party due to or arising out of or relating to (i) your violation of these Terms, (ii) your access or use of the Website, including, but not limited to, any use of the Website’s content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Website, or (iii) your violation of applicable laws or regulations. You agree not to settle any matter without the prior written consent of Grant Street. We will use reasonable efforts to notify you of any such claim, action, or proceeding, if applicable.

Mandatory Arbitration

Please read this section (the "Arbitration Agreement") carefully. It is a part of your contract with Grant Street and affects your rights. It contains procedures for MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER .

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Grant Street maintains this Website in Pennsylvania, U.S.A. and you agree that these Terms and any legal action or proceeding relating to this Website or your use of this Website (a "Claim") shall be governed by the laws of the Commonwealth of Pennsylvania (without reference to its choice of law rules) and the Federal Arbitration Act. In addition, you are responsible for complying with the laws of the jurisdiction from which you are accessing this Website and you agree that you will not access or use the information on this Website in violation of such laws. Unless expressly stated otherwise herein, any information submitted by you through this Website shall be deemed non-confidential and non-proprietary.

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Applicability of Arbitration Agreement. All Claims (excluding claims for injunctive or other equitable relief and claims that qualify for small claims court adjudication) shall be resolved by binding arbitration on an individual basis under the terms of this Arbitration Agreement. Unless otherwise agreed to, all arbitration proceedings shall be held in English. This Arbitration Agreement applies to you and Grant Street, and to any subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of the Website.

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Notice Requirement and Informal Dispute Resolution. Before either party may seek arbitration, the party must first send to the other party a written Notice of Dispute ("Notice") describing the nature and basis of the claim or dispute, and the requested relief. The Notice of Dispute to Grant Street should be sent to legal@grantstreet.com. The Notice should include both the mailing address and email address you would like Grant Street to use to contact you.

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You and Grant Street agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost and mutually beneficial outcome. You and Grant Street therefore agree that, after a Notice is sent but before either you or Grant Street commence arbitration, we will personally meet, via videoconference, in a good-faith effort to confer with each other and try to resolve informally any Claim covered by this Agreement. If you are represented by counsel, your counsel may participate in the conference as well, but you agree to fully participate in the conference. Likewise, if Grant Street is represented by counsel, its counsel may participate in the conference as well, but Grant Street agrees to have a company representative fully participate in the conference. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph.

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Arbitration Rules. If you and Grant Street do not reach an agreement to resolve the Claim within sixty (60) days after the Notice is received, you or Grant Street may commence an arbitration proceeding by filing a Demand for Arbitration with the American Arbitration Association ("AAA") or, alternatively, by commencing an action in small claims court (assuming all small claims court requirements are met). If a Claim qualifies for small claims court, but a party commences an arbitration proceeding, you and Grant Street agree that either party may elect instead to have the Claim resolved in small claims court, and upon written notice of a party’s election, the AAA will administratively close the arbitration proceeding. Any dispute about whether a Claim qualifies for small claims court shall be resolved by that court, not by an arbitrator. In the event of any such dispute, the arbitration proceeding shall remain closed unless and until a decision by the small claims court that the Claim should proceed in arbitration. The arbitration will be conducted by the AAA before a single AAA arbitrator under the AAA’s rules, except as modified by this Agreement. The party that initiates AAA arbitration must arbitrate the Claims or Claims in person in Allegheny County, Pennsylvania. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

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Authority of Arbitrator. The arbitrator shall have exclusive authority to (i) determine the scope and enforceability of this Arbitration Agreement and (ii) resolve any dispute related to the interpretation, applicability, enforceability or formation of this Arbitration Agreement including, but not limited to, any assertion that all or any part of this Arbitration Agreement is void or voidable. The arbitration will decide the rights and liabilities, if any, of you and Grant Street. The arbitration proceeding will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and Grant Street.

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Waiver of Jury Trial. YOU AND GRANT STREET HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY TO RESOLVE CLAIMS. You and Grant Street are instead electing that all Claims shall be resolved by arbitration under this Arbitration Agreement, except as specified in the Applicability of Arbitration Agreement sub-section above. There is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

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Waiver of Class or Other Non-Individualized Relief. ALL DISPUTES, CLAIMS, AND REQUESTS FOR RELIEF WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS OR COLLECTIVE BASIS, ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND CLAIMS OF MORE THAN ONE USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER USER. If a decision is issued stating that applicable law precludes enforcement of any of this section’s limitations as to a given dispute, claim, or request for relief, then such aspect must be severed from the arbitration and brought into the Federal Courts located in Allegheny County, Pennsylvania. All other disputes, claims, or requests for relief shall be arbitrated.

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30-Day Right to Opt-Out. You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to: legal@grantstreet.com, within thirty (30) days after first becoming subject to this Arbitration Agreement, which occurs upon your first use of the Website. Your notice must include your name and address, your email address, and an unequivocal statement that you want to opt out of this Arbitration Agreement. If you opt out of this Arbitration Agreement, all other parts of these Terms will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

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Severability. If any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Arbitration Agreement shall continue in full force and effect.

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Survival of Agreement. This Arbitration Agreement will survive the termination of your relationship with Grant Street.

Electronic Communications

When you visit our website, or send emails to Grant Street, you are communicating with us electronically. By this action, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. ADDITIONALLY, YOU ACKNOWLEDGE THAT GRANT STREET MAY SEND ELECTRONIC COMMUNICATIONS TO YOU AT ANY TIME OF DAY. YOU HEREBY CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM GRANT STREET AT ANY TIME OF DAY AND YOU WAIVE ANY CLAIMS RELATED TO THE IMPERMISSIBLE RECEIPT OF ELECTRONIC COMMUNICATIONS DURING STATUTORILY PROHIBITED HOURS.

"Drip" Pricing Claim Waiver

Certain of Grant Street’s services offered through its Website include application of credit card processing, service, or convenience fees. The fees assessed by Grant Street on specific transactions depends on the type of credit or debit card used. For every type of debit or credit card used, the processing fee will be calculated and applied as a percentage of the underlying transaction amount. Thus, the fee that will be applied by Grant Street to each individual transaction cannot be calculated until the user enters their card number, which will then initiate the application of Grant Street’s variable fee. At that point, the full price of the service will be available to the user. By making payments that are processed via the Website, you acknowledge and agree that the fee cannot be calculated until after you enter your debit or credit card number. AND, YOU HEREBY AGREE THAT YOU SHALL NOT ASSERT, AND HEREBY WAIVE, ANY CLAIM AGAINST GRANT STREET, ON ANY THEORY OF LIABILITY, FOR ANY TYPE OF DAMAGES (INCLUDING STATUTORY) AND FOR INJUNCTIVE RELIEF, ARISING OUT OF, IN CONNECTION WITH, OR AS A RESULT OF GRANT STREET’S APPLICATION OF PROCESSING, SERVICE, OR CONVENIENCE FEES.

Terms Relating to Third-Party Payers

By making payments that are processed via any of Grant Street’s clients’ public-facing websites, you have agreed to the following additional Terms.

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You represent and warrant that, if the bill or payable amount is in the name of another person ("Bill Holder"), that you are either the spouse, parent, grandparent, sibling, child, or grandchild of the Bill Holder and that you have express written authorization of the Bill Holder to make payment on their behalf ("Immediate Family Member"). Under no circumstances can a Third-Party ("Third-Party") use these Services to make payment without express written permission ("Authorization") of the Bill Holder. A Third-Party is any party that is not the Bill Holder or an Immediate Family Member of the Bill Holder. In order for the Third-Party to use Grant Street’s Services, a copy of the Authorization (with a handwritten signature) must be provided to Grant Street, and Grant Street must confirm that the Authorization is compliant with our Authorization standards and provide its express written consent to your use of these Services before the Third-Party can make a payment on behalf of a Bill Holder. A Third-Party’s use of these Services is expressly subject to these Terms.

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If Authorization is received and approved by Grant Street as set forth above, the Third-Party must use the same underlying payment method used by the Bill Holder to make payment. For example, if the Bill Holder has paid the Third-Party via a paper check or ACH, no other payment method apart from ACH ("e-check") can be used to make payment via Grant Street’s Services. If a consumer credit card is used by the Bill Holder to pay the Third-Party, under no circumstances can a corporate, business, commercial, purchasing, or any other non-consumer credit card be used to make payment.

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Any use of a fictitious, fake, or misleading email address by the Third-Party is strictly prohibited. In addition, any email address used must be the email address of the Bill Holder, and must also be an email account that the Bill Holder can access.

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Third-Parties are strictly forbidden to use any of Grant Street’s services for financial gain. Grant Street reserves the right to reject or reverse any and all unauthorized payments made from Third-Parties not specifically permitted by these Terms, including this section.

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Any breach of these Terms by a Third-Party may result in legal action by Grant Street, and Third-Party agrees that it will be liable for costs incurred by Grant Street, Grant Street’s customers, and Bill Holders, including, but not limited to the following: late fees and other fees, loss of early payment discounts, interest penalties, increased interchange costs, reasonable attorney fees, and all and any other costs and damages.

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Third-Party further agrees to indemnify, defend, and hold harmless Grant Street and its affiliates, and their respective officers, employees, and representatives ("Indemnitees") from and against any and all direct and indirect damages, liabilities, costs, lost revenue, lost profits and expenses, including reasonable attorneys’ fees, suffered or incurred by any of the Indemnitees as a result of the Third-Party’s use of or access to the Services or breach of this section ("Damages").

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ANY USE OF THE SERVICES BY A THIRD-PARTY CONSTITUTES THAT THIRD-PARTY’S AGREEMENT TO THESE TERMS, INCLUDING THIS SECTION. IF YOU DO NOT AGREE TO THESE TERMS OR DO NOT HAVE BILL HOLDER’S AUTHORIZATION AND GRANT STREET’S EXPRESS WRITTEN CONSENT TO USE THESE SERVICES AS PROVIDED ABOVE, DO NOT USE THESE SERVICES, OR YOU WILL BE SUBJECT TO LEGAL ACTION BY GRANT STREET FOR UNAUTHORIZED ACCESS TO GRANT STREET’S SERVICES AND SYSTEMS.

Waiver

No waiver by Grant Street of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Grant Street to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

Assignment

You can’t transfer your agreement to these Website Terms to someone else without Grant Street’s permission. Any attempts to do so without our consent will be void. Grant Street may assign or transfer these Website Terms to any party at any time without notice to you.

Entire Agreement

These Terms constitute the sole and entire agreement between you and Grant Street with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website. The Terms apply exclusively to your access to, and use of, this Website and they will not alter any terms or conditions of any other agreement you may enter into with Grant Street, unless there is a conflict of provisions, in which case, the other agreement you enter into with Grant Street shall govern with respect to the specific provision.

Data Breach

If you identify a potential security incident or data breach related to our systems, please report it immediately to our security team at databreach@grantstreet.com. We take all reports seriously and will investigate promptly in accordance with our security policies. For verification or further assistance, please reach out to our team directly.

Web Accessibility Policy

Grant Street uses the Section 508 standards and WCAG 2.1, Level AA as guidelines for pages within our Website to make content more accessible to all users including those who may have visual, auditory or other disabilities.

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Accessibility Assistance

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We welcome your feedback on the accessibility of the Website or any accessibility barriers you encounter:

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Phone: 412-391-5555

Email: information@grantstreet.com

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Limitations of this Policy

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Individuals with (or without) disabilities access the Internet with widely varying capabilities, software, and hardware. While this policy provides a standard for individuals with disabilities to access web-based information, due to known limitations of existing technology it cannot anticipate every accessibility need. Other circumstances independent of technology may also limit accessibility of the Website. Creating accessible formats for some documentation and graphical renderings maintained by Grant Street may be technologically unfeasible, impractical, or beyond the reasonable capabilities of Grant Street’s operations. Consequently, some existing content may not be in compliance, and some content may meet only the minimum required compliance standards. We will endeavor to resolve any issues brought to our attention and maintain acceptable compliance levels. However, this may not include third-party software, widgets, Add-ins, APIs, or similar tools which Grant Street does not maintain or control.

These Terms of Service were last modified and are effective as of 10/27/2025.