You must be at least 18 years old and able to form a binding contract to open a Vaultly account. Vaultly accounts are intended for business use; you represent that you are opening the account on behalf of a legally formed business entity in good standing.
We may decline to open an account, or close an existing one, at our discretion, including where required by law or our banking partners.
Vaultly accounts are issued in partnership with FDIC-insured banks. Funds held in your account are eligible for deposit insurance up to the applicable limit, pooled across our partner banks.
Cards issued on your account are subject to card network rules in addition to these Terms. You are responsible for safeguarding your card details, login credentials, and any authorized users you add to your account.
Real-time transfers settle as displayed in the app; timing may vary based on the receiving institution, network availability, or fraud review. Vaultly is not liable for delays caused by third parties outside our rails.
You authorize Vaultly to debit your account for any payment, transfer, or fee you initiate. Reversals, chargebacks, and disputed transactions are handled under our dispute resolution process, available in the Help Center.
Vaultly does not charge monthly maintenance fees, minimum balance fees, or fees for standard domestic transfers. Fees for optional services — international transfers, expedited card replacement, or premium support — are disclosed before you confirm the transaction.
We will provide at least 30 days' notice before introducing a new fee or changing an existing one.
Cashback is credited to your account within 2 business days of a qualifying transaction settling. Rewards have no cash value until credited and may be forfeited if your account is closed for a Terms violation.
We reserve the right to modify or discontinue the rewards program with 30 days' notice, except in cases of suspected fraud or abuse, where changes may take effect immediately.
You may close your account at any time from the app or by contacting support, provided your balance is zero and no payments are pending. We may suspend or terminate your account for a violation of these Terms, suspected fraud, or as required by our banking partners or applicable law.
We may update these Terms from time to time. Material changes will be communicated at least 30 days in advance via email or in-app notice. Continued use of Vaultly after changes take effect constitutes acceptance.
Questions about these Terms can be directed to legal@vaultly.co or 128 Market St, Suite 42, San Francisco, CA.
