Last Updated: August 12, 2026
PLEASE READ THIS AGREEMENT CAREFULLY. The following Terms of Service are the terms of a legal agreement (this "Agreement") between you ("you," "your," or "user") and VetraFi, Inc., its subsidiaries, affiliates, agents, and assigns ("VetraFi," "Company," "we," "us," or "our"), which sets forth the terms and conditions for your use of the VetraFi mobile application (the "App"), as well as the products, features, tools, and services offered, operated, or made available by us through the App (collectively, the "Services"). The App and the Services are owned and operated by us and are provided to you expressly subject to this Agreement. By accessing, browsing, and/or using the App or the Services (collectively, "VetraFi Content"), you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and us, and this Agreement governs your use of VetraFi Content.
This Agreement contains an agreement to resolve disputes by binding individual arbitration and a waiver of your right to participate in a class action. See the section titled "Dispute Resolution; Arbitration Agreement" below for details, including how to opt out.
VetraFi, Inc. is a financial technology company. VetraFi, Inc. is not a bank, and does not itself hold, custody, or transmit your funds. Any deposit account, high-yield savings account, Secured Charge Card, or other banking product made available to you in connection with the Services (each, an "Account," and collectively with any associated card, the "Account(s)") is established and maintained by First Bank of the Lake, Member FDIC, and your Account(s) and Card(s) are governed exclusively by the applicable separate account agreement provided by First Bank of the Lake, including the VetraFi Savings Account Agreement, the VetraFi Secured Charge Card Agreement, and the VetraFi Secured Deposit Account Agreement, each available at https://www.vetrafi.com/legal/terms-and-conditions (collectively, the "Account Agreements"), and not by this Agreement. The Secured Charge Card is secured by funds held in a linked deposit account with First Bank of the Lake, and your rights and obligations with respect to that security arrangement, including collateral, credit limit determination, and any related deposit or high-yield savings account, are governed exclusively by the applicable Account Agreement. If a term of this Agreement conflicts with an Account Agreement as it relates to your Account(s) or Card(s), the applicable Account Agreement controls.
Please review this Agreement carefully before using the Services. If you do not agree to these terms, you may not access or use the App or the Services.
To be eligible to use the Services and accept this Agreement, you must be (a) a legal resident of the United States, (b) at least 18 years of age or of legal age to form a binding contract, and (c) not otherwise prohibited by law from using the Services.
An Account is required to use the App and the Services. You will not be able to access or use the App or any Services unless and until you have opened an Account with First Bank of the Lake. Eligibility to open and maintain an Account, including any identity-verification, age, or residency requirements, is determined by First Bank of the Lake under the applicable Account Agreement. If you are not approved for an Account, or if your Account is closed for any reason, you will lose access to the App and the Services.
We may amend this Agreement at any time by posting the revised Agreement on the Website and/or in the App. You should check this Agreement periodically for changes. Changes are effective upon posting unless we state otherwise. Your continued use of the App, the Website, or the Services after a change is posted constitutes your acceptance of that change. We may terminate, suspend, change, or restrict access to all or part of the Services at any time without liability to you.
Our Privacy Policy (available at https://www.vetrafi.com/legal/privacy-policy) describes how we collect, use, and share information about you and is incorporated into this Agreement by reference. Certain features may also require you to separately acknowledge First Bank of the Lake's privacy notice before your Account is opened.
To access and use the App, you must have a compatible mobile device with an internet connection running a supported version of iOS (iOS 15.1 or newer) or Android (Android 7.0+ / API 24 or newer), a valid email address, and sufficient storage space to install the App. The App is available on the Apple App Store and Google Play Store.
The App is intended for use only by legal residents of the United States, including its territories and possessions, consistent with the eligibility requirements in Section 1. We make no representation that the App, or any Services, feature, or content made available through it, is appropriate, available, or lawful in any particular location. If you choose to access the App from outside the United States, you do so at your own risk and are responsible for compliance with any applicable local laws, including any laws restricting or governing the use of U.S. financial products or services from that location.
We reserve the right to withdraw, suspend, or amend the App, or any Service or feature we provide through it, at any time and without notice, in our sole discretion, including to limit or restrict availability based on geographic location or applicable legal or regulatory requirements. We will not be liable to you if the App, or any part of it, is unavailable at any time or for any period, whether due to maintenance, technical issues, or otherwise.
To access the Services, you must create a user account with VetraFi. This process will include creation of a Login ID and password to access the App and the Services. When you sign up for a user account, you agree to provide accurate, current, and complete information such as your name, mailing address, and email address — as may be prompted by any registration forms available through the App, in connection with the Services, or as otherwise requested by VetraFi (“User Information”). You further represent that you are the legal owner of, and that you are authorized to provide us with, all User Information and other information necessary to facilitate your use of the App and the Services.
In order to use certain Services, VetraFi may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not respond to such inquiries, or we cannot verify your identity, we may refuse to allow you to use the App and/or the Services.
Should any of your User Information change, you agree that you will update this information as soon as possible. To update your User Information, you may go to the Profile section of the VetraFi App, select “Settings,” and update your User Information accordingly. Some User Information updates may require you to contact our Customer Service Team at support@vetrafi.com or +1 (877) 269 4195.
Should you believe, or have reason to believe, that any of your User Information, including your Login ID and/or password, has been compromised, or that another person is accessing your user account through some other means, you agree to notify us as soon as possible at support@vetrafi.com.
To use the Services, you direct VetraFi to retrieve your account transaction history, balance information, and/or other information maintained by third parties which are your personal accounts that you own, manage, and engage in financial transactions with (“Third-Party Account Information”). This includes information maintained by our bank partner, First Bank of the Lake, for your Account(s) and Card(s). VetraFi works with one or more third-party service providers, including Plaid Technologies, Inc. (“Plaid”), to access this Third-Party Account Information. We will use this information to provide you with the Services you request, for our own internal business purposes, and to offer you other VetraFi products and services that may be of interest to you. By using the Services, you authorize VetraFi to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us.
By consenting to this Agreement, you are also agreeing that you are responsible for keeping any passwords and usernames you provide to us so that we can retrieve this Third-Party Account Information, and for keeping those passwords and usernames up to date in the App. With the exception of information related to your Account, VetraFi does not review the Third-Party Account Information for accuracy, legality, or non-infringement, and VetraFi is not responsible for your Third-Party Account Information or products and services offered by or on third-party sites. Use of information retrieved through Plaid is also governed by the Plaid Privacy Policy at plaid.com/legal.
You acknowledge that any Third-Party Account Information displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity.
VetraFi offers a variety of services and features, collectively referred to in this Agreement as the "Services." Services available to you are detailed in the App and may include:
VetraFi is not a financial advisor or a financial planner. We do not make any representations or guarantees that our Services are right for you.
We reserve the right to offer rewards, incentives, or other promotional benefits in connection with your Account. Any such rewards will be subject to separate terms and conditions, which may be modified or terminated at any time at our discretion. By participating in any rewards program, you agree to the applicable rewards terms and conditions governing eligibility, accrual, redemption, and other program requirements. Any amounts earned under a rewards program will be credited to your Account in accordance with the terms of the applicable rewards program. Once credited, those amounts become part of your Account balance and are subject to the deposit, availability, and other terms of the Account Agreement.
VetraFi may provide articles, tips, notifications, and other educational content, as well as Customer Support for your use of the App and the Services. This content is provided for general informational purposes only and is not a substitute for individualized financial, legal, or tax advice.
If you open an Account, you will be able to manage your Account(s) and Card(s), view your transaction history and other account information, perform certain transactions, and access various features of your Account(s) and Card(s) using the Mobile Banking Services through the App. Your use of the Mobile Banking Services is governed by this Agreement. However, your Account(s), and any transactions you make with your Account(s) or Card(s) (including transactions you initiate through the Mobile Banking Services), are covered by the applicable Account Agreement, available at https://www.vetrafi.com/legal/terms-and-conditions.
To help the government fight the funding of terrorism and money laundering activities, U.S. federal law requires all financial institutions and companies like ours to obtain, verify, and record information that identifies each person identified as a “customer” who opens an account.
This means that if you open an Account, we may ask you for your name, date of birth, street address, identification number (like a Social Security Number), and any other information that will allow us to identify you as the customer on the Account. We may also ask to see a driver's license, passport, or other identifying documents.
We may share the information you have provided us with First Bank of the Lake, in connection with opening and maintaining your Account.
Transfers between your Account(s) and any Linked Account are governed by the applicable Account Agreement, available at https://www.vetrafi.com/legal/terms-and-conditions. Fees may apply to certain transfers, which will be disclosed when you request a funds transfer. Certain transaction limitations may apply to Linked Account transfers. Please refer to the applicable Account Agreement for more information.
Only owners of an Account are permitted under this Agreement to access that Account through the Mobile Banking Services. By using the Mobile Banking Services, you agree that we and First Bank of the Lake are entitled to act on any transaction or other instruction we receive under your Login ID and password for the App, and you agree that any action taken under your Login ID and password will have the same effect as a signature authorizing the transaction or other action. We reserve the right to deny transactions or any other actions you authorize through the Mobile Banking Services:
There may be other exceptions described in the applicable Account Agreement.
By providing your mobile phone number, you consent to receive text messages and calls (including autodialed or prerecorded calls) from us related to your use of the App and the Services, including service alerts, one-time passcodes, and, if you separately opt in, marketing messages. Message frequency varies, and message and data rates may apply. You may reply STOP to opt out or HELP for assistance at any time; carriers are not liable for delayed or undelivered messages.
You agree that we may provide notices, disclosures, and other communications relating to the App and the Services to you electronically, in accordance with the federal E-SIGN Act, by posting them in the App or by emailing them to the address on file for your account. Separate electronic-consent terms applicable to your Account(s) are set out in the applicable E-SIGN Consent Agreement.
You agree that you will not, and will not permit any third party to:
We may investigate suspected violations of this Agreement and take any action we deem appropriate, including limiting, suspending, or terminating your access to the App or the Services, without prior notice.
The App and the Services, including all content, features, trademarks, logos, and software made available through them (collectively, the "Company Materials") are owned by VetraFi, Inc. or its licensors and are protected by copyright, trademark, and other intellectual property laws. Except for the limited license to access and use the App for their intended personal, non-commercial purpose, no right, title, or interest in the Company Materials is transferred to you, and you may not copy, modify, distribute, or create derivative works based on the Company Materials without our prior written consent.
The App may contain links to, or integrations with, services operated by third parties, including Plaid and other service providers described in this Agreement. Third-party services are governed by their own terms and privacy policies, and we are not responsible for the content, accuracy, or practices of any third party. Your use of any third-party service is at your own risk.
VETRAFI, INC. DOES NOT PROVIDE FINANCIAL, TAX, OR LEGAL ADVICE THROUGH THE APP, THE WEBSITE, OR THE SERVICES. WE ARE NOT A REGISTERED BROKER, FINANCIAL PLANNER, OR TAX ADVISOR. YOU SHOULD CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING FINANCIAL DECISIONS BASED ON INFORMATION PROVIDED THROUGH THE SERVICES. ALERTS AND NOTIFICATIONS ARE PROVIDED ON A BEST-EFFORTS BASIS, AND WE DO NOT GUARANTEE THEIR TIMELINESS, ACCURACY, OR DELIVERY.
THE APP, THE WEBSITE, AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP, THE WEBSITE, OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. THIS SECTION DOES NOT APPLY TO YOUR ACCOUNT(S) OR CARD(S), WHICH ARE ADDRESSED SOLELY IN THE ACCOUNT AGREEMENT.
TO THE FULLEST EXTENT PERMITTED BY LAW, VETRAFI, INC. AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE APP, THE WEBSITE, OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE APP, THE WEBSITE, OR THE SERVICES EXCEED ONE HUNDRED DOLLARS [$100]. THIS SECTION DOES NOT LIMIT ANY LIABILITY OF First Bank of the Lake, WHICH IS ADDRESSED SOLELY IN THE ACCOUNT AGREEMENT.
To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless VetraFi, Inc., its officers, directors, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your access to or use of the App or the Services, (b) your violation of this Agreement, or (c) your violation of any third-party right.
We may suspend or terminate your access to the App or the Services at any time, for any reason, without prior notice. Provisions of this Agreement that by their nature should survive termination — including Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, and Dispute Resolution — will survive. Termination or suspension of your access to the App or the Services may, depending on the circumstances, result in the closure of your Account. Any closure of your Account, whether in connection with termination of this Agreement or otherwise, is governed exclusively by the Account Agreement between you and First Bank of the Lake, and not by this Agreement.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS AND REQUIRES MOST DISPUTES BETWEEN YOU AND US TO BE RESOLVED BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR JURY TRIAL. YOU MAY OPT OUT AS DESCRIBED BELOW.
This arbitration agreement is between you and us regarding this Agreement, the App and the Services (a “Dispute”). It does not apply to, and does not affect, any separate arbitration agreement between you and First Bank of the Lake concerning your Account(s) or Card(s), which is set out exclusively in the Account Agreement.
Before starting an arbitration or small-claims action, you and we agree to first try to resolve any Dispute informally by contacting the other party in writing. Notices to us should be sent to [Arbitration Notice Email]. If the Dispute is not resolved within forty-five (45) days, either party may commence binding arbitration administered by [Arbitration Provider], under its consumer arbitration rules then in effect, except that either party may bring an individual claim in small claims court.
You have the right to opt out of this arbitration agreement by sending written notice to [Arbitration Notice Email] within sixty (60) days of first becoming subject to this Agreement, identifying your name, the email address associated with your account, and a clear statement that you are opting out of arbitration. If you do not opt out, you and we each waive the right to a jury trial and the right to participate in a class, collective, or representative action against the other.
This Agreement is governed by the laws of the State of [Company Governing Law State], without regard to conflict-of-law principles. Subject to Section 19, any Dispute not resolved by arbitration must be brought in the state or federal courts located in [Company Venue County], and you consent to the personal jurisdiction of those courts.
Severability. If any provision of this Agreement is found unenforceable, that provision will be severed, and the remaining provisions will remain in full force and effect.
Waiver. Our failure to enforce any provision of this Agreement is not a waiver of our right to do so later.
Assignment. We may assign this Agreement at any time without notice to you. You may not assign this Agreement or your rights under it without our prior written consent.
Entire Agreement. This Agreement, together with our Privacy Policy and any Incentive Program terms referenced above, is the entire agreement between you and us regarding the App, the Website, and the Services, and supersedes any prior agreements on that subject. This Agreement does not amend, supersede, or otherwise affect the Account Agreement, which is a separate agreement between you and First Bank of the Lake.
Headings. Section headings are for convenience only and do not affect the interpretation of this Agreement.
If you have questions about this Agreement, please contact us at support@vetrafi.com or by phone at +1 (877) 269 4195.
