Loading
Loading
ShapeCard is a financial technology company, not a bank. Banking services and cards will be provided by our bank partner (Pending bank partner).
This agreement governs your use of any ShapeCard debit card or credit card issued to you. Read it carefully and save a copy for your records.
By signing, activating, or using the Card, you agree to this Agreement, the Product Terms for your Card, the Privacy Policy, and the E-SIGN Disclosure and Consent. If the Product Terms and this Agreement conflict about money (rates, fees, payments or balances), the Product Terms control. If you do not agree, you must not use the Card and you must close the Account by contacting support. Use of the Card constitutes your continuing agreement to these terms, including any modifications made in accordance with Section 13.
The Card may be used to purchase goods and services from any merchant that accepts the card network's cards, subject to the spending rules you and any Approver have configured. The Card is not transferable. You must not use the Card for any illegal purpose or for any transaction prohibited by the network or the Issuing Bank.
ShapeCard may decline any transaction that violates a configured spending rule, exceeds the available balance of a debit Card or the available credit of a credit Card, or is flagged as fraudulent. When real-time approvals are enabled, ShapeCard may pause authorization for up to thirty (30) seconds to obtain Approver consent; if the Approver does not respond in that window, the configured fallback outcome applies.
You may configure spending rules including per-transaction caps, per-day caps, category restrictions, time-of-day windows, country allowlists, and a list of categories that require Approver review. When you grant an Approver authority over the Account, that Approver may edit spending rules and respond to escalated transactions. An Approver also agrees to the Approver and Delegated Authority Terms.
The Account Owner remains responsible for all transactions made on the Card. Approver authority does not transfer that responsibility, except that for a Card issued to a minor the Approver is the Account Owner. Disputes between you and your Approver about whether a specific transaction should have been approved are between you and the Approver. ShapeCard is not a party to that dispute.
For a debit Card, every fee is listed in the Debit Card Fee Disclosures, which include the short form shown before you apply and the full fee schedule. A debit Card has no overdraft feature and no credit feature.
For a credit Card, the interest rates, fees, credit line and billing terms are set by the Issuing Bank and are in the Credit Card Rates and Fees and the Credit Card Agreement. ShapeCard does not set or change them.
You may add money to a debit Card Account from a linked bank account under the Bank Transfer (ACH) Authorization Terms. A debit Card can only spend the money in its Account. A transaction larger than the available balance is declined.
For a credit Card, you must pay at least the minimum payment shown on each statement by its due date, as the Credit Card Agreement describes. Payments may be made through the ShapeCard portal or any other method the Issuing Bank makes available.
Tell us at once if you believe your Card has been lost or stolen, or that someone has used it without your permission. For a debit Card, your liability is limited under the Electronic Fund Transfer Act and Regulation E: if you tell us within two business days after you learn of the loss or theft, you can lose no more than $50; if you do not, and we could have stopped the use had you told us, you could lose as much as $500; and if an unauthorized transaction appears in your electronic account history or on a statement and you do not tell us within 60 days, you may not get back money lost after the 60 days. For a credit Card, your liability is limited to $50 under federal law (15 U.S.C. § 1643). Card network rules may limit your liability further.
To report an unauthorized transaction or a lost or stolen Card, sign in at /portal and open a support ticket, or contact support@shapecard.ai. You should also pause the Card from the portal as soon as possible to prevent further charges.
If you have a dispute with a merchant about a transaction, you should first try to resolve it directly with the merchant. If it is not resolved, you may file a dispute through ShapeCard support.
For a debit Card, tell us about an error no later than 60 days after it first appears in your electronic account history or on a statement. We will tell you the results of our investigation within 10 business days (20 business days for a new Account) and will correct any error promptly. If we need more time, we may take up to 45 days (90 days for a new Account, a foreign transaction, or a point of sale transaction), and we will credit your Account for the amount in question while we investigate.
For a credit Card, billing errors are handled under the Fair Credit Billing Act (15 U.S.C. § 1666) and the billing rights notice in the Credit Card Agreement. You must notify us in writing of a billing error within sixty (60) days of the statement on which it first appeared.
We may suspend a Card or the Account if you violate any term of this Agreement, if we suspect fraud, or if continued service would violate law or network rules. For a credit Card, the Credit Card Agreement also describes when you are in default and what the Issuing Bank may do, to the extent permitted by applicable law.
You may close the Account at any time by submitting a closure request through the portal at /portal/settings or by contacting support. When a debit Card Account closes, we return any remaining balance to you, less any fee the Product Terms allow, by transfer to your linked bank account or by check. A credit Card Account remains subject to the Credit Card Agreement until any balance owed is paid. ShapeCard and the Issuing Bank may also close or suspend the Account, with notice required by applicable law, if you are in default or if continued service would violate law or network rules.
Your use of the Card is subject to ShapeCard's Privacy Policy and the E-SIGN Disclosure and Consent. You consent to receive communications about your Account electronically, including transaction notifications, statements, and Approver-consent prompts. You may withdraw consent for non-required communications at any time through the portal.
Community is optional. You join by creating a Community profile and accepting the consent shown on screen, and you may use the Card without ever joining. Community is a feature provided by ShapeCard, not by the Issuing Bank, and the Issuing Bank has no role in it.
When you create a Share Rule, every Card purchase that matches it is shared automatically with the audience you chose, after the purchase settles, until you delete the rule. You are responsible for the Share Rules you create, the audiences you choose, any caption you add, and for reviewing what has been shared. You may hide or delete a shared item, delete a Share Rule, or make your account private at any time; deleting a Share Rule hides every item it created.
You choose who may see your Community profile: everyone, only your phone contacts, or only the contacts you approve. Contacts come from the address book you choose to sync from the app, and only a one-way code for each number is kept, as described in the Privacy Policy. Members who already follow you, and members you follow or have asked to follow, can still see your profile, and your profile appears with what you share and in the groups you join. Your Share Rules still decide who sees what you share, but a member your profile visibility does not allow cannot browse your shared items from your profile.
You may also share a single settled Card purchase yourself, with your accepted followers or, if your account is not private, with all members, after accepting the consent shown on screen. You choose whether it shows the amount and the city, and you are responsible for that choice and any caption you add, as for a Share Rule. A purchase is shared at most once, whether by a Share Rule or by you, and you may hide or delete it at any time.
Where these features are available, you may also share a postcard of the cities where you made Card purchases in a year, with your accepted followers or, if your account is not private, with all members, and share your progress on a quiet zone with a group you have joined, each after accepting the consent shown on screen. You are responsible for what you choose to show and for any caption or name you add, as for a Share Rule, and you may delete a postcard or stop sharing a quiet zone at any time. Purchases shared with all members may also appear in City Explore, as the Privacy Policy describes, unless you turn that off.
A Share Rule may share with a group you have joined. A group is a private space for up to 8 members, counting its owner and anyone with a pending invite; it is invite only, and no one joins without accepting the invite and the consent shown on screen. Items shared with a group, and the replies under them, are visible only to the group's joined members, who also see each other's profiles in the group's member list. A member who leaves a group or is removed from it stops seeing it at once, and that member's Share Rules for the group stop. When the owner deletes a group, its items are hidden and every Share Rule that targets it stops. If the owner's login with ShapeCard is deleted, including when the owner's Account is closed, the group is permanently erased together with every item any member shared with it, the replies under those items, and every Share Rule that targets it; removing the owner's Community profile alone does not erase it. Notifications about group invites and new group members are push notifications, which can be turned off, together with ShapeCard's other push notifications, in the device's settings, and ShapeCard staff review reports about groups.
A Supervised Cardholder may not use Community unless the Approver turns it on for the Card. The Approver may turn it off at any time, which hides everything the Supervised Cardholder has shared. A Supervised Cardholder's account is always private, may not share with all members, and may share only through Share Rules, not a single purchase by hand, a postcard, or a quiet zone. A Supervised Cardholder's replies can be seen by the member whose purchase they reply to and by the Supervised Cardholder's accepted followers and, under items shared with a group, by that group's joined members. The Approver does not see the Supervised Cardholder's shared items, captions, or replies through ShapeCard. Whether Community should be on for a Card is between the Cardholder and the Approver. ShapeCard is not a party to that dispute.
Your handle, display name, bio, group names, captions, replies, and the names you share for quiet zones must not be unlawful, harassing, threatening, sexually explicit, deceptive, or infringing, must not impersonate any person or business, and must not disclose another person's personal or financial information. Certain handles are reserved. ShapeCard may hide or remove content, decline or revoke a handle, limit activity, or suspend or end your access to Community at any time, with or without notice, including in response to a report. Ending Community access does not by itself close the Account.
A shared item indicates only that a purchase settled on the Card, and a shared postcard only summarizes where Card purchases were made. Neither is a statement by ShapeCard or the Issuing Bank about the merchant, the goods or services, or the accuracy of any caption, and ShapeCard does not verify captions.
Other members may see, remember, discuss, or act on what you share. ShapeCard is not responsible for what other members do with shared information, and disputes between members are between those members. ShapeCard is not a party to that dispute.
Nothing you do in Community affects whether a transaction is authorized, your balance or credit line, your fees, your payment obligations, or your liability under Section 7. Hiding or deleting an item does not change or dispute the underlying transaction; to dispute a transaction, see Section 8.
You grant ShapeCard a non-exclusive, royalty-free license to store, display, and transmit your profile, Share Rules, shared items, and the quiet zone progress you share to the audiences you choose (including in City Explore, where it is available, for purchases shared with all members) and to ShapeCard staff for moderation, for as long as you take part in Community and afterward as needed to comply with law and to review reports.
You may stop sharing at any time by deleting your Share Rules, and you may ask support to remove your Community profile and everything attached to it. Closing the Account under Section 10 ends your participation. A person who joins Community without a Card is not a Cardholder; their use of Community is governed by ShapeCard's Terms of Use and Privacy Policy, not this Agreement.
What Community collects and shows to other members is described in the ShapeCard Community section of the Privacy Policy.
ShapeCard and the Issuing Bank may change the terms of this Agreement, including pricing, fees, and credit terms, in accordance with applicable law. You will receive notice of material changes by email or in-portal notification at least the minimum notice period required by law before the change takes effect. Continued use of the Card after the effective date constitutes acceptance of the change.
[TO BE FINALIZED WITH COUNSEL] This section will contain the binding arbitration provision and class-action waiver consistent with the issuing bank's program agreement. It will also describe the procedure for opting out of arbitration within the statutory window after Account opening. Do not deploy this Agreement publicly without finalizing this section.
This Agreement is governed by federal law and the laws of the state in which the Issuing Bank has its principal place of business, without regard to that state's conflict-of-laws rules. Disputes that are not subject to arbitration will be resolved exclusively in the courts of that state.
Questions about this Agreement, your Account, or a specific transaction: support@shapecard.ai. Sign in at /portal and open a support ticket for fastest response.
Last updated: October 28, 2026. Pre-launch template. Bank partner values and the arbitration section are finalized with counsel and the Issuing Bank before public release.