Legal / Terms of Service

Terms of Service

Last updated: May 13, 2026

This document was imported from the published Terms of Service. URLs and support contact are normalized for dino.id; confirm with counsel before relying on it as the binding agreement.

1. Introduction

IMPORTANT – PLEASE CAREFULLY READ AND MAKE SURE YOU UNDERSTAND THIS TERMS OF SERVICE BEFORE ACCESSING, USING, OR ENGAGING WITH OUR WEBSITE OR PLATFORM. YOU MAY ONLY APPLY FOR, OPEN, AND MAINTAIN AN ACCOUNT WITH dino TECHNOLOGIES (“ACCOUNT”) AND/OR OTHERWISE ACCESS OR USE THE SERVICES IF YOU AGREE TO THIS TERMS OF SERVICE. PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

This Terms of Service (this “Agreement”) explains the terms under which you may access and use the technology platform and financial services we make available to you (the “Services”) that we, dino Technologies, Inc. (“dino,” “we,” “our,” “us”), make available at https://dino.id (the “Website”) and via our mobile application. We refer to our Website and mobile app collectively as the “Platform.” As used in this Terms of Service, “you” means the company that is applying for or has opened a dino Account to use the Services or the individual authorized to use the Services on the company’s behalf. If you do not agree to these Terms of Service in their entirety, you are not authorized to use the Platform in any manner or form whatsoever.

THIS TERMS OF SERVICE CONTAINS DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITIES (SEE SECTIONS 11 AND 12). THIS AGREEMENT ALSO CONTAINS ARBITRATION PROVISIONS THAT WAIVE YOUR RIGHT TO A COURT HEARING, RIGHT TO A JURY TRIAL AND RIGHT TO PARTICIPATE IN A CLASS ACTION. SUCH ARBITRATION IS MANDATORY AND IS THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW IN SECTION 11 OR IF YOU OPT-OUT.

We may modify this Terms of Service, including any supplements or addenda, by posting an amended version at https://dino.id/legal/terms-of-service. The amended version will be effective at the time we post it, unless otherwise noted. If an amended versions changes a material term or condition of a prior version of this Terms of Service, we will provide you with reasonable prior notice before the amendments are binding on you; provided, however, the amended Terms of Service may take effect immediately in certain circumstances, including where required to comply with applicable law, regulation or rules or to avoid or mitigate any material risk, loss or damage. If you do not accept any such amendment, you must cancel your dino Account. If you continue to use the Services or Cards after any modification takes effect, you will be deemed to have consented to the revised Terms of Service.

2. Your Representations

By using the Platform and agreeing to this Terms of Service, you represent that you are at least the age of majority in your state or province of residence. If you apply for an Account, you affirm that you have the legal capacity to enter into a binding contract with us, have read this Agreement, and understand and agree to its terms.

You may only apply for an Account, and use the applicable Services under such Account, along with the requirements in Section 2 below, if you are a legal entity formed and registered in the United States or a U.S. resident over the age of 18, and can form a binding contract with dino. You may only use the Services in compliance with this Agreement and all applicable local, state, national, and international laws, rules and regulations.

3. Account Eligibility

To open and maintain an Account for accessing our Services, including deposit accounts and spend cards offered by our banking partners (“Account Providers”), you are required to provide comprehensive company data and personal data (collectively “Company Information”) as determined by us. We provide Company Information to our Account Providers and other third-party service providers to determine your eligibility for access to certain Services. We rely on the accuracy of the Company Information you provide us when opening and maintaining your Account. You shall keep all Company Information current, complete, and accurate at all times.

We may require additional information from you at any time, including information to assess your financial condition, for verification purposes, or for other legitimate business purposes. We may deny your applications, suspend provision of such Services to you, or close your Account if Company Information is out of date, incomplete, or inaccurate. You acknowledge that you have obtained or will obtain appropriate consent and authorization of any person whose personal data you provide third party access to.

You also represent and warrant to us: (i) that you are at least eighteen (18) years old; (ii) that you have not previously been suspended, removed or deactivated from the Services; and (iii) that your registration and your use of the Services is in compliance with any and all applicable laws and regulations.

dino offers different levels of subscriptions for your Account. Your Account rewards, benefits, fees and services may vary depending on your subscription level and your Account Provider. You can view or change your subscription level at any time by logging into your Account and viewing your Account dashboard. Subscriptions will automatically renew monthly, on the earlier of the calendar day of the month in which you originally enrolled in a subscription level or the end of the month(the “Renewal Date”). Subscription fees are due on the Renewal Date. If you change your subscription level before the next scheduled Renewal Date, then you will continue to receive access to the benefits of your prior subscription level until the next scheduled Renewal Date. Your new subscription will begin on the next scheduled Renewal Date. You can view the different benefits of dino’s subscription levels by visiting: https://dino.id/pricing.

You may be responsible for paying a monthly fee for your subscription. You authorize dino or Account Provider to debit your Account in the amount of any subscription fees owed on the Renewal Date. If you do not have sufficient funds in your Account, then you authorize dino to initiate an electronic debit to an external bank account, if you have one on file for your Account, in an amount equal to the subscription fees owed on or after the date the fees are owed.

4. Account Management

You must specify at least one control person (“Control Person”) to manage your Account when submitting your application to dino. This Control Person is authorized to conduct various activities including managing users, requesting cards, and updating company information. Control Persons must have, and you represent that any individual designated as a Control Person has significant responsibility to control, manage, or direct the company, such as an executive officer or senior manager of the company. You are responsible for any actions or failure to act on the part of Control Persons or those using their credentials to access your Account. You are solely responsible for the actions or omissions that occur on your Account.

dino will not be liable for any losses caused by any unauthorized use of your Account. You must keep your Account password strong and secure. We require multi-factor authentication ("MFA") for Account access, and you must maintain MFA on your Account at all times. Disabling MFA without our prior written consent is a Prohibited Activity. We recommend using strong second factors, such as hardware security keys. You are responsible for maintaining the security of all authentication credentials issued to you or your Control Persons. Any suspicious activity including a security breach or unauthorized access must be reported to dino without undue delay. We may suspend access to any Account where a suspected security risk is identified.

5. Account Restrictions

dino may terminate or suspend any Accounts and Services that we know or believe are related to Prohibited Activities or that otherwise do not comply with the restrictions in this section, as determined in dino’s sole discretion. Such activity (collectively, “Prohibited Activities”) includes, but is not limited to activity that:

  • hacks or damages the Website or Platform
  • uses the Account or the Services for any personal, family, household, or other use that is not related to your business purpose;
  • uses the Account or the Services for the benefit of an individual, organization, or country listed on the United States Office of Foreign Asset Control’s Specially designated Nationals List
  • uses the Account or the Services for any third parties unaffiliated with Company,
  • uses the Account or the Services to collect any market research for a competing business,
  • impersonates any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity,
  • interferes with or attempt to interrupt the proper operation of the Services through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any dino intellectual property, data, files, or passwords related to the Services through hacking, password or data mining, or any other means;
  • decompiles, reverse engineers, or disassembles any software or other products or processes accessible through the Services;
  • circumvents, removes, alters, deactivates, degrades, or thwarts any of the protections in the Services;
  • uses any robot, spider, scraper, or other automated means to access the Services for any purpose without our express, written permission; provided, however, we grant the operators of public search engines permission to use spiders to copy materials from the public portions of the Services for the sole purpose of, and solely to the extent necessary for, creating publicly-available searchable indices of the materials, but not caches or archives of such materials;
  • takes any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure; or
  • involves any activity that may negatively impact the Platform as determined by dino;
  • uses the Account or the Services for online gambling transactions, lottery ticket purchases, or internet gaming, regardless of whether such activities are legal in your jurisdiction. We reserve the right to reject, return, or block any transaction we reasonably believe is related to gambling, gaming, or lottery activities; or
  • engages in any activity involving the proceeds of illegal activity, unlicensed money services, or transactions designed to evade detection by regulators or law enforcement.

6. Privacy & Security Disclosure

By using the Services, you acknowledge and agree that dino’s Privacy Policy is incorporated into this Terms of Service by reference and constitutes a part of this Terms of Service. We collect, use, disclose, and retain personal information as described in the Privacy Policy, including business and banking data, connected mailbox and document data, and usage information needed to provide the Services.

We may create aggregated or de-identified information that cannot reasonably be used to identify you or your company, and we may use that information to operate, secure, analyze, and improve the Services. We do not sell personal information as “sell” is defined under applicable U.S. state privacy laws, and we do not use Gmail data to develop or train generalized artificial intelligence or machine learning models, as described in the Privacy Policy. If you do not agree with our Privacy Policy, do not use the Services.

Your use of the Account and Cards may also be subject to the privacy policies and notices of our Account Providers and other partners, as disclosed in your agreements with those providers.

We will not share Company Information with third parties for marketing their unaffiliated products without your consent, but we may identify Services, third-party products, and programs that we believe may be of interest to you.

7. Intellectual Property Rights

All aspects of our Platform are protected by U.S. and international copyright, trademark, and other intellectual property laws. You do not acquire any ownership or other rights by downloading or using the Platform or any material on it.

All material on the Platform, including, without limitation, all informational text, photographs, animation, illustrations, artwork, software, music, sound, photographs, graphics, audio, video, messages, files, documents, images or other materials (collectively, the “Materials”), whether publicly posted or privately transmitted, as well as all derivative works, are owned by dino Technologies, Inc. You may choose to, or we may invite you to, submit comments or ideas about the Services, including without limitation about how to improve the Services or our products (“Feedback”). By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited and without restriction, and will not place dino under any fiduciary or other obligation, and that we are free to use your Feedback without any additional compensation to you, or to disclose your Feedback on a non-confidential basis or otherwise to anyone.

The Materials on the Website or Platform, may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way, including by e-mail or other electronic means, without the prior written consent of dino. Any modification of the Materials, use of the Materials on any networked computer environment or application, or use of the Materials for any purpose other than personal, non-commercial use could constitute a violation of the copyright, trademark and other proprietary rights in the Materials and is expressly prohibited.

8. Modifications to the Platform or Services

We reserve the right to modify or discontinue access to the Platform (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third party for any modification, suspension, or discontinuance of access to the Platform or Services.

9. Rewards and Benefits

dino may alter or discontinue its rewards program (“Rewards Program”) at any time, in its sole discretion. Rewards are subject to this Section and any reward program terms we publish on the Website or Platform (“dino Reward Terms”). Certain Accounts or transactions may not be eligible for some or any rewards, including cashback reward credits. Rewards may also be subject to limits, revocation, or forfeiture as set forth in the dino Rewards Terms. Any right to rewards or benefits shall terminate upon the termination of this Terms of Service, the closure of your Account, or in the event of any breach of this Agreement. Certain rewards or benefits may be subject to additional agreements or disclosures.

10. Disclaimer or Warranties

dino MAKES NO REPRESENTATIONS ABOUT AND DOES NOT ASSUME ANY RESPONSIBILITY OR LIABILITY FOR THE ACCURACY, COMPLETENESS, TRUTHFULNESS OR TIMELINESS OF ANY STATEMENT FOUND EITHER ON THE WEBSITE OR WITHIN THE PLATFORM. dino SHALL NOT BE RESPONSIBLE FOR ANY FINANCIAL DECISIONS MADE BY YOU. IN ADDITION, NOTHING IN THESE TERMS OF SERVICE SHALL BE CONSTRUED TO GUARANTEE SERVICES FOR YOU FOR ANY PARTICULAR PERIOD OF TIME. FURTHER, YOU ACKNOWLEDGE AND AGREE THAT NO JOINT VENTURE, PARTNERSHIP, EMPLOYMENT OR AGENCY RELATIONSHIP EXISTS BETWEEN YOU AND dino AS A RESULT OF THESE TERMS OF SERVICE OR YOUR USE OF THE SERVICES.

EXCEPT WHERE PROHIBITED BY LAW, THIS WEBSITE, PLATFORM, AND ALL SERVICES PROVIDED, ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO, AND EXPRESSLY DISCLAIM ANY AND ALL, REPRESENTATIONS AND WARRANTIES AS TO THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, AVAILABILITY, ACCURACY AND/OR COMPLETENESS OF ANY INFORMATION ON THIS PLATFORM. WE DO NOT REPRESENT OR WARRANT, AND EXPRESSLY DISCLAIM THAT: (A) OUR SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED THROUGH THE PLATFORM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR (B) THE WEBSITE OR THE SERVER(S) THAT MAKE THE PLATFORM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR YOUR USE OF THE SERVICES. dino DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR ANY HYPERLINKED WEBSITE OR SERVICE, AND dino WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

11. Disclaimer of Liabilities

EXCEPT WHERE PROHIBITED BY LAW, IN NO EVENT SHALL dino OR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, INDEPENDENT CONTRACTORS, AND/OR AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES, FEES, COSTS OR CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT, THE PRIVACY POLICY, THE SERVICES, OR YOUR OR A THIRD-PARTY’S USE OR ATTEMPTED USE OF THE PLATFORM OR ANY SERVICE, REGARDLESS OF WHETHER dino HAS HAD NOTICE OF THE POSSIBILITY OF SUCH DAMAGES, FEES, COSTS, OR CLAIMS. THIS INCLUDES, WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR PRODUCTS, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES. THIS APPLIES REGARDLESS OF THE MANNER IN WHICH DAMAGES ARE ALLEGEDLY CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, OR OTHERWISE. IF, NOTWITHSTANDING THE LIMITATIONS OF LIABILITY SET FORTH ABOVE, dino IS FOUND LIABLE UNDER ANY THEORY, dino’S LIABILITY AND YOUR EXCLUSIVE REMEDY WILL BE LIMITED TO USD $5,000.00. THIS LIMITATION OF LIABILITY SHALL APPLY FOR ALL CLAIMS, REGARDLESS OF WHETHER dino WAS AWARE OF OR ADVISED IN ADVANCE OF THE POSSIBILITY OF DAMAGES OR SUCH CLAIMS. SOME STATES DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU AND YOU MAY HAVE ADDITIONAL RIGHTS.

12. Mandatory Binding Arbitration and Class Action Waiver

Any dispute or claim between the parties arising from or relating to this Agreement or the Services shall be governed by the Federal Arbitration Act (the “FAA”), 9 U.S.C. §§ 1-16 and submitted to arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in accordance with the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes. The arbitrator shall follow the substantive law of the State of California without regard to its conflicts of laws principles.

Notwithstanding anything to the contrary herein, you agree that dino has the right to bring a claim against you in the state or federal courts in California for injunctive relief, equitable relief, or otherwise arising from any potential or actual misappropriation or infringement of its intellectual property rights and you agree that venue is proper and that you are subject to personal jurisdiction in such forum.

You agree that any arbitration or proceeding shall be limited to the claims between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any claim to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any claim to be brought in a purported representative capacity on behalf of the general public or any other persons. You agree that you may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

Informal dispute resolution. Before initiating arbitration, you agree to first contact us at legal@dino.id and attempt to resolve the dispute informally. If we have not been able to resolve the dispute within sixty (60) days of your written notice, you may commence arbitration as described above.

Arbitration opt-out. You may opt out of binding arbitration within 30 days of the date you first create your Account by emailing legal@dino.id with the subject line "Arbitration Opt-Out" and including your full legal name, the email address associated with your Account, and a clear statement that you wish to opt out of the arbitration provision. Opting out of arbitration will not affect the class action waiver or any other provision of this Agreement. If you do not opt out within the 30-day period, you will be deemed to have accepted the arbitration provision.

13. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless dino, its parent, subsidiaries, predecessors, successors and affiliates, and their respective partners, officers, directors, agents, representatives, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, from and against any and all claims, actions, losses, liabilities, damages, expenses, demands and costs of any kind, including, but not limited to, reasonable attorneys’ fees, arising out of, resulting from, or in any way connected with or related to (1) your breach of the Terms of Service, the documents they incorporate by reference; (2) your breach of any representations or warranties in this Terms of Service; or (3) your violation of any law or the rights of a third-party.

14. Third-Party Websites and Links

Our website and Platform may include materials from third-parties or links to third-party websites. We are not liable for any third-party materials or websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the applicable third-party.

15. Force Majeure

dino shall not be in breach of its obligations under this Agreement (other than payment obligations) or incur any liability to You for any delay or failure to perform its obligations hereunder if and to the extent such delay or nonperformance is caused by a Force Majeure Event. If dino is affected by the Force Majeure Event, dino shall: (i) promptly inform You of such delay or nonperformance; (ii) use commercially reasonable efforts to avoid or remove the underlying cause of the delay or nonperformance; and (iii) resume performance hereunder as soon as reasonably practical following the removal of the Force Majeure Event. “Force Majeure Event” means : acts, events, omissions or accidents beyond a party’s reasonable control, including, without limitation, strikes, industrial disputes, failure of a utility service or transport network, acts of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of machinery, act of terror, Internet service provider failure or delay, denial of service attack, internet infrastructure outages, fire, flood or storm, but excluding (a) financial distress or the inability of You to make a profit or avoid a financial loss, (b) changes in market prices or conditions, or (c) Your financial inability to perform your obligations hereunder.

16. User Content, Copyright, and DMCA

User-submitted content

You and your authorized users may upload or submit content through the Services, including receipts, invoices, financial documents, transaction notes, and data obtained from connected mailboxes or integrations (“User Content”). You retain ownership of your User Content. You grant dino a non-exclusive, worldwide, royalty-free license to host, store, process, transmit, display, and use User Content solely to provide, maintain, secure, and improve the Services and as otherwise described in our Privacy Policy.

You represent and warrant that you have all rights necessary to submit User Content, that User Content does not violate law or third-party rights, and that you will not upload malware or unlawful material. You are solely responsible for the accuracy and legality of User Content. We may remove or restrict access to User Content that we reasonably believe violates this Agreement, applicable law, or third-party rights, or that poses a security risk.

We use commercially reasonable technical and organizational measures to protect the Services, but we do not guarantee that User Content is free of viruses or other harmful components. You are responsible for maintaining backups of important records.

Copyright complaints (DMCA)

dino maintains the contact information below for notifications of claimed copyright infringement regarding materials on the Platform. All notices should be addressed to:

Notification of claimed infringement

dino Technologies, Inc.

Attn: Legal

1200 Brickell Avenue, Suite 1950, Miami, FL 33131, United States

Email: support@dino.id

You may contact our designated agent with complaints regarding allegedly infringing material. If we believe in good faith that material violates applicable law, we may remove or disable access to it and notify the submitting party.

A valid DMCA notice must include: (i) identification of the copyrighted work; (ii) identification of the allegedly infringing material and information sufficient to locate it; (iii) your contact information; (iv) a statement of good-faith belief that use is not authorized; (v) a statement, under penalty of perjury, that the notice is accurate and you are authorized to act; and (vi) your physical or electronic signature. Incomplete notices may be delayed or rejected.

Repeat infringers

We may terminate or suspend access for users or accounts that we determine, in appropriate circumstances, are repeat infringers of intellectual property rights.

17. Electronic Communications

You agree that we may communicate electronically with you and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to you electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.

18. Assignment

You may not assign any of your rights under this Terms of Service, and any such attempt will be null and void. dino and its affiliates may, in their individual discretion, transfer, without further consent or notification, all contractual rights and obligations pursuant to this Terms of Service if some or all of dino’s business is transferred to another entity by way of merger, sale of its assets or otherwise.

19. No Waiver

No waiver by dino of any term or condition set forth in this Terms of Service 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 by dino to assert a right or provision under this Terms of Service shall not constitute a waiver of such right or provision.

20. Severability

In the event that any provision of this Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from this Terms of Service. Such determination shall not affect the validity and enforceability of any other remaining provisions.

21. Term and Termination

This Terms of Service is effective until terminated by either you or us, or in accordance with the Account Provider agreements or as otherwise set forth in this Agreement. This Terms of Service may be terminated by You closing your dino Account and all access to the Services, paying all amounts owed under this Terms of Service, and providing appropriate notice to us; except that you will still be responsible for any charges, Fees, fines, and other losses caused by your action or inaction prior to terminating this Agreement. We may terminate this Agreement, or suspend your Account, by providing you notice. In the event that we terminate this Agreement, this Agreement, as well as any representations, warranties, and other obligations made or taken by you, shall survive the termination of this Agreement.

22. Entire Agreement

Any ambiguities in the interpretation of this Terms of Service shall not be construed against the drafting party.

23. Questions or Additional Information

Please contact Customer Support by email at support@dino.id.

24. No Money Transmission

dino Technologies, Inc. is a financial technology company and software platform, not a money transmitter, money services business, or FDIC-insured bank. dino does not hold, receive, transmit, or transfer funds on your behalf in its own capacity. All movement of funds in connection with the Services — including deposits, payments, card transactions, ACH transfers, wire transfers, and digital-asset conversions — occurs through our Account Providers and other regulated financial institution partners acting in their own licensed capacities. dino's role is limited to providing the technology and software that facilitates your access to services offered by those partners.

25. ACH Services

25.1. Partner-Provided ACH Services

ACH debit and credit services accessible through the Platform are provided by our Account Providers and their banking infrastructure partners, not by dino. These currently include Column N.A., Member FDIC, and the FDIC-insured bank partners through which Increase, Inc. provides banking services (currently Grasshopper Bank, N.A., First Internet Bank of Indiana, Twin City Bank, and Core Bank, each Member FDIC) (collectively, "ACH Providers"). Your use of ACH services is governed by your agreements with the applicable ACH Provider, the NACHA Operating Rules and Guidelines, and applicable federal law. dino does not originate, process, or settle ACH transactions and is not the Originating Depository Financial Institution ("ODFI") or Receiving Depository Financial Institution ("RDFI") for any ACH entry.

25.2. ACH Authorization Controls

The Platform may offer tools that allow you to establish pre-authorization criteria for ACH debits posted to your Account ("ACH Controls"). ACH Controls are implemented by your ACH Provider and are subject to their cutoff times and operating procedures, which we will make available to you through the Platform. You are solely responsible for configuring, reviewing, and maintaining your ACH Controls. dino is not responsible for transactions that post to your Account where ACH Controls were not properly configured, were not updated before the applicable cutoff time, or where the ACH Provider acted in accordance with your default settings.

25.3. Your Responsibilities

You are solely responsible for the accuracy and completeness of any ACH authorization or instruction you submit or approve through the Platform. Neither dino nor your ACH Provider is obligated to review ACH instructions for accuracy or compliance with third-party agreements you may have with payees or payors. You represent and warrant that all ACH entries you originate through the Platform comply with NACHA Operating Rules and all applicable law. You agree to indemnify and hold harmless dino and your ACH Provider for any claims, losses, liabilities, or expenses arising from your failure to comply with this section.

26. Wire Transfer Services

26.1. Partner-Provided Wire Services

Domestic and international wire transfer services accessible through the Platform are provided by our Account Providers and their banking infrastructure partners, not by dino. These currently include Column N.A., Member FDIC, and the FDIC-insured bank partners through which Increase, Inc. provides banking services (currently Grasshopper Bank, N.A., First Internet Bank of Indiana, Twin City Bank, and Core Bank, each Member FDIC) (collectively, "Wire Providers"). Your use of wire services is subject to your agreements with the applicable Wire Provider, applicable payment system rules, and federal law, including Article 4A of the Uniform Commercial Code as adopted in the applicable state. dino does not transmit, originate, or settle wire transfers in its own capacity.

26.2. Wire Instructions

You may submit wire transfer instructions ("Wire Instructions") through the Platform in accordance with the security and authentication procedures established for your Account. You are solely responsible for the accuracy and completeness of each Wire Instruction, including beneficiary name, account number, routing information, and transfer amount. Neither dino nor your Wire Provider has any obligation to review Wire Instructions for accuracy, completeness, errors, or omissions. In the event of any inconsistency in a Wire Instruction (for example, a mismatch between a beneficiary name and account number), your Wire Provider may execute the payment order based solely on the account or identifying number, and you will be solely responsible for any resulting claims, losses, or expenses.

26.3. Processing, Cutoff Times, and Limits

Wire Instructions are subject to the Wire Provider's cutoff times and processing schedules, which we will make available to you through the Platform. Wire Instructions submitted after the applicable cutoff time may be processed on the next business day. We or your Wire Provider may establish limits on the amount, frequency, or destination of Wire Instructions we will accept from you, and we may modify those limits at any time in our sole discretion.

26.4. Rejection, Delay, or Return

We or your Wire Provider may reject, delay, or return a Wire Instruction or payment order in our or their sole discretion, including without limitation where (a) the Wire Instruction would violate applicable law or payment system rules; (b) the Wire Instruction is inaccurate, incomplete, or unauthorized; (c) the Wire Instruction exceeds applicable limits; or (d) the Wire Instruction presents a risk of financial loss, fraud, or legal exposure. You will be solely responsible for any claims, losses, or expenses arising from the rejection, delay, or return of any Wire Instruction.

26.5. Cancellation or Amendment

Once we have communicated a Wire Instruction to your Wire Provider, you have no right to cancel or amend it, and neither we nor your Wire Provider has any obligation to attempt to do so. If you submit a cancellation or amendment request, we or your Wire Provider may attempt to act on the request in our or their sole discretion and subject to applicable fees. Neither we nor your Wire Provider will have any obligation to refund a Wire Instruction amount unless and until the payment order is confirmed as stopped and any transferred funds are returned in full to us or your Wire Provider.

26.6. International Wires

International wire transfers may be subject to additional restrictions, intermediary bank or correspondent fees, foreign exchange conversion at rates determined by the Wire Provider or intermediary bank, and local laws and payment system rules applicable to the destination country. Neither dino nor your Wire Provider controls the actions of correspondent banks, intermediary financial institutions, or payment networks through which an international wire may be routed, and neither we nor your Wire Provider will have any liability for the performance or non-performance of any such intermediary. Funds may arrive net of fees imposed by intermediaries or the beneficiary's financial institution that are outside our or the Wire Provider's control.

26.7. Your Representations for Wire Instructions

When you submit a Wire Instruction, you represent and warrant that (a) the transfer is for a lawful commercial purpose consistent with the permitted uses of your Account; (b) you are not sending funds to, or for the benefit of, any person or entity on a government sanctions list or otherwise prohibited by applicable law; (c) all information in the Wire Instruction is accurate and complete; and (d) you are authorized to transfer the specified funds from the account identified in the Wire Instruction. You agree to indemnify and hold harmless dino and your Wire Provider for any claims, losses, liabilities, or expenses arising from your breach of these representations or any error in a Wire Instruction you submit.

27. Beta Services

dino may make certain features, functionalities, or integrations available to you on a beta, pilot, limited release, or evaluation basis (collectively, "Beta Services"). Beta Services may be unstable, feature-incomplete, or subject to errors, data loss, and unexpected behavior. You accept Beta Services as-is, without any warranty, and your use of Beta Services is entirely at your own risk. dino makes no representations or warranties regarding the accuracy, reliability, completeness, or continued availability of Beta Services. Beta Services are not subject to any support commitments, service level agreements, or uptime guarantees that may apply to generally available Services. dino may modify, discontinue, or limit access to Beta Services at any time without notice or liability. You should not use Beta Services for critical, production, or irreplaceable workloads without implementing independent safeguards to prevent data loss or service disruption.

28. Legal Orders

We may receive subpoenas, court orders, search warrants, government requests, regulatory demands, tax levies, liens, garnishments, or similar legal process related to your Account, your use of the Services, or funds held in accounts associated with you ("Legal Orders"). We may comply with Legal Orders without prior notice to you to the extent required or permitted by applicable law, and we are not responsible or liable to you for any losses, damages, or inconvenience arising from our compliance with a Legal Order. We may hold, freeze, or turn over funds or information as directed or required by a Legal Order. Where permitted by applicable law and without compromising an ongoing investigation or proceeding, we will endeavor to provide you reasonable prior notice before complying with a Legal Order.

29. Mobile App; App Store Terms

We make the App available through the Google Play Store and the Apple App Store. The following additional terms apply when you access or download the App through the Apple App Store:

  • This Agreement is between you and dino, not with Apple. dino, not Apple, is solely responsible for the App and its content.
  • Apple has no obligation to provide maintenance or support services for the App.
  • In the event the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund any applicable purchase price to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the App, and any other claims relating to a warranty failure are dino's sole responsibility.
  • Apple is not responsible for product liability claims, claims that the App fails to meet applicable legal or regulatory requirements, or claims arising under consumer protection law. dino is solely responsible for investigating, defending, and resolving such claims to the extent required by this Agreement.
  • In the event of a third-party intellectual property infringement claim arising from the App or your possession and use of the App, dino is solely responsible for the investigation, defense, settlement, and discharge of that claim.
  • Apple and its affiliates are third-party beneficiaries of this Agreement with respect to your license to the App, and upon your acceptance of this Agreement, Apple will have the right to enforce this Agreement against you as a third-party beneficiary.
  • You represent and warrant that (a) you are not located in a country subject to a U.S. Government embargo or designated as a terrorist-supporting country, and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
  • You must comply with all applicable third-party terms of service when using the App, including the Apple App Store Terms of Service and the Google Play Terms of Service.

Footnotes

  1. dino Technologies, Inc. is a financial technology company, not an FDIC-insured bank. Banking services are provided by Column N.A., Member FDIC. Where offered, spend cards issued through the Services are account-linked or prepaid-style cards issued by our card-issuing bank partners as identified in your product terms. Monthly membership fees may apply. Card purchases may be eligible for cashback. See Dino Terms of Service.

  2. FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. Deposits in dino business checking accounts are FDIC-insured through Column N.A., Member FDIC, and Column’s Sweep Program Network Banks. Deposit placement through Column’s Deposit Sweep Program is subject to the terms, conditions, and disclosures in the Sweep Agreement.

  3. Digital-asset services (including the Global USD Account and USDC) are provided by dino Technologies, Inc. in partnership with third-party providers. Digital assets are not bank deposits, legal tender, or covered by FDIC, SIPC, or any other government-backed insurance. USDC custody, conversion, and partner roles are described in the Global USD Account Terms of Use and related disclosures. Geographic, regulatory, and other eligibility limits apply, and are subject to change. Digital-asset transactions may be irreversible. Rewards are promotional rebates funded by dino, not interest. See the full Global USD Account Terms of Use for more details.

  4. If Dino offers digital-asset services (including USDC) through third-party providers, eligibility limits, compliance checks, and partner terms apply. Digital-asset transactions may be irreversible and may be delayed or declined where required by law, partner policy, or risk controls.

  5. Dino is a financial technology company, not a bank. Business-purpose loans made by Lead Bank and subject to credit approval. Application and consent to obtain personal credit report is required. Subject to minimum revenue and business requirements. Personal Guaranty may be required. Fees vary based on risk assessment and loan term.

  6. If Dino offers any investment, advisory, or yield-bearing features, those offerings are subject to separate, product-specific terms and disclosures delivered at enrollment, and may not be available to all customers or regions.

  7. Available with Pro Plan.

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