Terms of Service

Overview

These Terms of Service ("Terms") govern your use of Curo Co LLC's ("Curo", "we", "us", or "our") payment platform and services available at GetCuro.com (the "Platform"). Throughout these Terms, "you" and "your" refer to you as the user of the Services.

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Platform or Services.

1. Description of Services

Curo provides a digital payment platform that enables users to:

• Create and send digital checks (e-checks) with QR codes
• Send physical checks with QR codes via mail
• Receive and claim payments through QR code verification
• Process payments via ACH bank transfers or instant debit card deposits
• Manage delegated payment access for trustees, caregivers, and authorized representatives
• Track payment status and maintain transaction history

2. Eligibility

To use Curo Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Reside in a jurisdiction where our Services are available
• Provide accurate and complete information during registration
• Comply with all applicable laws and regulations

You may not use the Services if:

• You are prohibited by law from using financial services
• You have previously been suspended or terminated from Curo
• You are located in a country subject to U.S. economic sanctions

3. Account Registration and Security

3.1 Account Creation

You must create an account to send payments. Account creation requires:

• Valid email address and phone number
• Full legal name and mailing address
• Identity verification information (for KYC/AML compliance)
• Bank account or debit card information (for funding payments)

3.2 Identity Verification

We are required by law to verify your identity. You agree to provide:

• Government-issued photo ID
• Social Security Number or Tax Identification Number
• Additional documentation as needed for compliance

Failure to complete verification may result in account limitations or closure.

3.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Notifying us immediately of any unauthorized access

We strongly recommend: Using a strong, unique password, enabling two-factor authentication, and not sharing your account access with others.

4. Sending Payments

When you create a check, you must specify the amount, recipient information, delivery method (email, SMS, or mail), funding source, and any required memo or notes.

By submitting a payment, you authorize us to debit your selected funding source, process the payment through our payment partners, send payment notifications to the recipient, and facilitate the recipient's claim and payout process.

You may cancel a payment before the recipient claims it, subject to timing restrictions and payment status. Once a payment is claimed and processed, it cannot be cancelled.

5. Receiving Payments

To receive a payment, access it via the QR code or link provided, verify your identity, select your payout method (ACH bank transfer or instant debit), and provide required banking information.

Recipients are not required to create a Curo account to claim payments, though creating an account provides additional features.

Payout Methods: ACH Bank Transfer (free, 1-3 business days) or Instant Debit Card Payout (may incur fees, available within minutes).

6. Delegated Access (Trustees and Caregivers)

Account owners may grant delegated access to trustees, caregivers, or other authorized representatives to send payments on their behalf, view transaction history, manage payees, and perform other authorized actions.

Delegates may be assigned specific permission scopes, spending limits, and approval requirements for transactions above certain thresholds.

Account owners are responsible for vetting and authorizing delegates, setting appropriate permission levels, monitoring delegate activity, and revoking access when appropriate.

All delegated actions are logged and visible to the account owner. Account owners are liable for actions taken by their delegates within authorized permissions.

7. Fees and Pricing

Curo may charge fees for sending payments, expedited delivery, instant payouts, failed transactions, and account maintenance. Current fees are available at getcuro.com/pricing.

We reserve the right to modify fees with advance notice. Fees are deducted from your funding source along with the payment amount.

8. Disputes and Chargebacks

If you dispute a payment, contact us immediately at support@getcuro.com with all relevant information. We will investigate disputes and may request additional information, temporarily hold funds, or reverse payments if warranted.

Important: If you initiate a chargeback with your bank, your Curo account may be suspended or terminated, and you may be liable for fees and damages. Always contact us first to resolve disputes.

9. Prohibited Activities

You may not use Curo to:

• Send or receive payments for illegal goods or services
• Engage in fraudulent or deceptive practices
• Violate any laws, including money laundering regulations
• Send unsolicited or unauthorized payments
• Impersonate another person or entity
• Bypass verification requirements
• Use stolen or unauthorized payment methods
• Engage in any activity that harms Curo or other users

10. Compliance with Laws

You agree to comply with all applicable laws, including Anti-Money Laundering (AML) regulations, Know Your Customer (KYC) requirements, Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC regulations, and state money transmission laws.

We may report suspicious activity to relevant authorities as required by law.

11. Disclaimers and Limitations of Liability

We do not guarantee uninterrupted or error-free service, specific processing times, compatibility with all devices or systems, or prevention of all unauthorized access or fraud.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Curo shall not be liable for indirect, incidental, consequential, or punitive damages, lost profits, data loss, third-party actions, or delays beyond our reasonable control. Our total liability for any claim shall not exceed the greater of $100 or the amount of fees you paid us in the 12 months preceding the claim.

12. Termination

You may close your account at any time by contacting customer support. We may suspend or terminate your account for violation of these Terms, suspected fraud, failure to complete identity verification, chargebacks, inactivity, or at our discretion.

Upon termination, your access to the Services will end, pending payments may be cancelled or processed, and you remain liable for all obligations incurred before termination.

13. Changes to Terms

We may modify these Terms at any time. We will post updated Terms on the Platform, update the "Last updated" date, and notify you of material changes. Continued use of the Services after changes constitutes acceptance of the new Terms.

14. Contact Information

For questions about these Terms, contact us: