E-Sign Consent — Allospend

1. Purpose

This E-Sign Consent ("Consent") governs the delivery of all Communications (defined below) from Allospend Technologies LLC ("Allospend," "we," "us") to you in electronic form. By creating an account, tapping "I Agree," or using the Allospend consumer service or the Allospend iOS app (the "Service"), you confirm that you have read, understood, and agreed to this Consent, and that you are able and willing to receive Communications electronically.

2. Legal Framework

This Consent is provided in compliance with the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§ 7001–7006 ("ESIGN Act") and the Uniform Electronic Transactions Act ("UETA") as adopted in Missouri (Mo. Rev. Stat. § 432.200 et seq.) and in other applicable jurisdictions.

3. Scope of Communications Covered

Your consent applies to all current and future Communications that we are legally required or permitted to provide in connection with the Service, including:

The Terms of Service, Privacy Policy, Acceptable Use Policy, Fee Schedule, AI Terms, Age Verification Policy, and Auto-Renewal Disclosure.
Account opening, verification, and authentication notices, including email verification, phone verification, biometric-consent capture, and 2FA enrollment.
Transaction receipts, including NFC group-payment receipts, peer-to-peer transfer receipts, instant-withdrawal receipts, Apple Pay / Cash App / Venmo / PayPal routing confirmations, and recurring-expense confirmations.
Account statements, including monthly wallet and Premium activity statements.
Tax statements, including any Internal Revenue Code § 6041 Forms 1099-K, 1099-MISC, or equivalent state tax forms we may issue.
Customer-service messages, including responses to in-app support tickets, dispute status updates, and appeals.
Regulatory and compliance disclosures, including Regulation E error-resolution notices (12 CFR § 1005.11) and Truth-in-Savings-style disclosures as applicable.
Marketing messages to the extent permitted by the Telephone Consumer Protection Act (47 U.S.C. § 227) and CAN-SPAM Act (15 U.S.C. § 7701 et seq.); you may opt out of marketing at any time.
Legal notices, including notices of changes to the Terms, fee-change notices, breach notices, suspension or termination notices, and dispute-related communications.

Collectively, these are the "Communications."

4. Methods of Delivery

We may deliver Communications to you by any of the following methods, at our election:

In-app notification (push or in-app inbox).
Email to your registered email address.
SMS to your registered phone number, when you have separately consented to SMS or where permitted by the Telephone Consumer Protection Act (47 CFR § 64.1200).
Website posting on https://allospend.app with an in-app and email notice pointing to the posting.
Push notification delivered through OneSignal.

You must check the App, your registered email, and our Site regularly for Communications. Delivery to your registered email or in-app inbox is effective even if you do not open the message.

5. Hardware and Software Requirements

To receive and retain Communications electronically, you must have:

An iOS device running iOS 15.0 or later, or an Android device running Android 10 or later, with current security updates.
A valid, active email account that you check regularly, with sufficient storage to receive messages with attachments.
A PDF reader (Apple Preview, Adobe Acrobat Reader, or equivalent).
Sufficient storage to retain Communications (or the ability to print or forward them to another storage location).
Internet access to retrieve Communications from our servers and to open attachments.

You are responsible for maintaining these requirements at your own cost. If your device, email, or storage changes, you must update your contact information as described in Section 8.

6. SMS Consent (Future)

If we enable transactional SMS (for example, instant-withdrawal confirmations, fraud alerts, or 2FA codes), we will request your separate express written consent before sending SMS, as required by 47 CFR § 64.1200(a)(2). Standard messaging rates from your carrier apply. You may revoke SMS consent at any time without affecting your other consents.

7. Right to Withdraw Consent

You may withdraw this Consent at any time by emailing legal@allospend.app with the subject "Withdraw E-Sign Consent" or by toggling the setting in the App.

Consequences of withdrawal. Many of the Communications are legally required for the Service to function. If you withdraw your consent, we will be unable to provide the Service to you and will be required to close your account. Any unspent wallet balance will be returned to your verified funding source (less any fees per the Fee Schedule) before closure. Withdrawal of consent does not affect the legal validity or enforceability of any Communications already delivered electronically.

8. Updating Your Email and Phone Number

You must keep your registered email address and phone number current. You can update them in the App under Settings → Account → Contact Information. We are not responsible for Communications that you do not receive because of outdated contact information.

9. Paper Copies

You may request a paper copy of any Communication by emailing support@allospend.app. We may charge a reasonable fee for paper copies as set out in the Fee Schedule (currently $5.00 per statement). Legal notices, regulatory disclosures, and the Agreements themselves will be provided without charge upon request.

10. Spam Filters and Blocked Email

Many email providers use spam filters or other protective measures that may block or divert our emails. You are responsible for configuring your email account to allow messages from @allospend.app and to monitor your spam folder. We are not responsible for Communications that you do not receive because of email filtering, server outages, or your failure to maintain a working email address.

11. Consent Capture at Signup

During signup, you will see a disclosure screen summarizing this Consent. Your acceptance (e.g., tapping "I Agree to Receive Electronic Communications") constitutes your electronic signature under the ESIGN Act and UETA. We retain a record of the timestamp, IP address, device identifier, and version of the Agreements you accepted.

12. Changes to This Consent

We may update this Consent from time to time. Material changes will be communicated in accordance with the Terms of Service. Continued use of the Service after a change indicates your acceptance of the updated Consent.

13. Federal and Missouri Disclosures

By accepting this Consent, you confirm that:

You have read the ESIGN Act consumer disclosure (15 U.S.C. § 7001(c)).
You consent to the use of electronic signatures, electronic records, and electronic delivery of all Communications.
You understand that your consent applies to this transaction and to all future transactions with Allospend, including in states that have enacted UETA or its equivalent (Mo. Rev. Stat. § 432.200 et seq.).
You understand that you may request a non-electronic, paper copy of any Communication (subject to the Fee Schedule).

14. Recordkeeping

We maintain a record of your acceptance of this Consent, including the version of the document accepted, the timestamp, your IP address, the iOS device identifier (IDFV), and the version of the Agreements in effect at the time of acceptance. You may request a copy of this record by emailing legal@allospend.app.

15. Third-Party Tools and Services

Some Communications are delivered using third-party providers, including:

OneSignal for push notifications.
Resend for transactional email (primary); SendGrid / Twilio SendGrid is configured as a fallback invoked only when the active provider fails.
Apple Push Notification service (APNs) for iOS push.
Vercel for hosted web content.

These providers may process Communications on our behalf under contracts that require them to maintain the confidentiality and security of the content.

16. In-App Inbox

Each user has a personal in-app inbox where we store Communications for at least twenty-four (24) months from the date of delivery. The in-app inbox is a record of delivery. We may delete older messages after this period, and you are responsible for saving copies of any Communication you wish to retain (e.g., by exporting to your email or printing a PDF).

17. International Use

If you use the Service from outside the United States, you understand that electronic delivery may not be equivalent under your local law to delivery in a particular form (e.g., wet-ink signature, paper original). You accept that risk and consent to the delivery methods described in Section 4 regardless of your location.

18. Severability

If any provision of this Consent is held invalid or unenforceable, that provision will be enforced to the maximum extent permitted by applicable law and the remaining provisions will remain in full force and effect.

19. Survival

The provisions of this Consent that by their nature should survive — including recordkeeping obligations, your reaffirmation upon each electronic signature, and our right to deliver Communications electronically — survive any termination of your account.

20. Specific Communications We Will Always Deliver Electronically

The following categories of Communications will be delivered exclusively in electronic form. By accepting this Consent, you specifically agree to receive these Communications electronically:

Account opening, verification, and authentication notices (email verification, phone verification, biometric consent capture, 2FA enrollment, password resets, and security alerts).
Transaction receipts for every NFC group payment, peer-to-peer transfer, instant withdrawal, Apple Pay / Cash App / Venmo / PayPal routing, credit-card or ACH funding, recurring-expense charge, Premium renewal, and NFC sticker purchase.
Periodic account statements delivered at least monthly if any EFT has occurred in the preceding month, as required by 12 CFR § 1005.9(b).
Tax statements, including 1099-K and 1099-MISC forms we may issue, as required by Internal Revenue Code § 6041 and applicable state law.
Customer-service messages, including responses to support tickets, dispute status updates, and appeal outcomes.
Regulatory and compliance disclosures, including Reg. E error-resolution notices (12 CFR § 1005.11), Truth-in-Savings disclosures as applicable, and the Auto-Renewal Disclosure for Premium.
Legal notices, including notices of changes to any Agreement, fee-change notices, breach notices, suspension or termination notices, and dispute-related communications under the Terms of Service Section 17.

21. How to Verify an Electronic Communication from Allospend

For your security, we will never request your password, 2FA code, or full bank-account number by email, SMS, or in-app message. Legitimate Allospend Communications will:

Address you by the name on your account or the first name on file.
Originate from an @allospend.app email address or from the Allospend in-app inbox.
Link to https://allospend.app (always check the URL bar carefully).

If you receive a suspicious message purporting to be from Allospend, do not click any links. Forward the message as an attachment to phishing@allospend.app and delete it. We will investigate and respond.

22. Accessibility

We are committed to making our electronic Communications accessible. The App supports Dynamic Type, VoiceOver, Reduce Motion, and Increase Contrast on iOS. PDFs of the Agreements are tagged for screen-reader compatibility. If you require an alternative format, contact us at legal@allospend.app and we will work with you to provide a usable alternative at no charge.

Contact Information

Customer Support: support@allospend.app
Legal: legal@allospend.app
General Information: info@allospend.app
Compliance / AUP reports: compliance@allospend.app
Privacy / Data Protection Officer: privacy@allospend.app
Disputes: disputes@allospend.app
App Store: https://apps.apple.com/app/allospend-group-finances/id6795749022
Domain: https://allospend.app

Allospend Technologies LLC
725 Kingsland Avenue, Suite 100
St. Louis, MO 63130
USA