Terms of Service

Latest Update: October 2025

Please read these Terms of Service (the “Terms”) and our Privacy Policy (“Privacy Policy”) carefully because they govern your use of the website located at www.proofbadge.com (the “Site”) and services accessible via the Site offered by ProofBadge Inc (“ProofBadge”). To make these Terms easier to read, the Site and our services are collectively called the “Services.”

IMPORTANT NOTICE REGARDING ARBITRATION FOR U.S. CUSTOMERS: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND PROOFBADGE THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 15 “DISPUTE RESOLUTION” BELOW FOR DETAILS REGARDING ARBITRATION.

1. Agreement to Terms

By using our Services, you agree to be bound by these Terms. If you don’t agree to be bound by these Terms, do not use the Services.

2. Privacy Policy

Please review our Privacy Policy, which also governs your use of the Services, for information on how we collect, use and share your information.

3. Changes to these Terms or the Services

We may update the Terms from time to time in our sole discretion. If we do, we’ll let you know by posting the updated Terms on the Site and/or may also send other communications. It’s important that you review the Terms whenever we update them or you use the Services. If you continue to use the Services after we have posted updated Terms it means that you accept and agree to the changes. If you don’t agree to be bound by the changes, you may not use the Services anymore. Because our Services are evolving over time we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion.

4. Who May Use the Services?

You may use the Services only if you are 18 years or older and capable of forming a binding contract with ProofBadge, and not otherwise barred from using the Services under applicable law.

5. Description of Services

ProofBadge provides financial verification services that allow users to verify and share proof of their financial status, assets, income, or other financial information with third parties. Our Services may include:

(a) Financial Account Connection. You may connect your bank accounts, investment accounts, or other financial accounts through our third-party service provider, Plaid Inc. (“Plaid”), to verify your financial information.

(b) Verification Links. Sellers may create verification links specifying a title and minimum proof-of-funds amount for items they are selling. These links can be shared with prospective buyers to request funds verification.

(c) Verification Badges. We may generate verification badges or certificates that confirm certain financial criteria have been met, which you may choose to share with third parties.

(d) Verification Reports. We may provide reports or summaries of your verified financial information for your use in transactions with third parties.

(e) Buyer Pass. Buyers may purchase a “Buyer Pass” to access funds verification services. A Buyer Pass grants access to unlimited fund checks for a 30-day period from the date of purchase.

You understand and agree that ProofBadge acts solely as a verification service provider and does not provide financial advice, lending services, or act as a financial institution. ProofBadge is not a credit reporting agency and does not perform background checks, identity verification, or criminal record searches.

6. Pricing and Payment

(a) Seller Accounts. Creating an account and using ProofBadge as a seller is free. Sellers may create unlimited verification links at no cost.

(b) Buyer Pass. Buyers must purchase a Buyer Pass to verify their funds. The current price for a Buyer Pass is $10 USD, which provides 30 days of unlimited fund checks from the date of purchase. Pricing is subject to change; any changes will be posted on the Site.

(c) No Refunds. Due to the costs associated with financial institution connections and balance checks through Plaid, Buyer Pass purchases are non-refundable, regardless of whether the buyer completes any transactions with sellers.

(d) Payment Processing. Payments are processed through third-party payment processors. By making a purchase, you agree to the terms and conditions of our payment processors.

7. Verification Process and Privacy

(a) Verification Results. When a buyer completes a fund check, the seller will only see whether the buyer meets the minimum proof-of-funds amount specified in the verification link. Sellers do not see the buyer’s actual account balance, bank name, account numbers, or any other financial details.

(b) Failed Verifications. If a buyer’s account balance does not meet the minimum proof-of-funds amount, the verification attempt is not shared with the seller. Sellers are only notified of successful verifications.

(c) Verification Link Expiration. Sellers may deactivate or delete verification links at any time. ProofBadge reserves the right to expire inactive verification links.

8. Third-Party Financial Services (Plaid)

(a) Use of Plaid. Our Services use Plaid Inc. to connect to your financial accounts. By using our Services, you acknowledge and agree to be bound by Plaid’s End User Privacy Policy (available at https://plaid.com/legal/). You grant ProofBadge and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution.

(b) Accuracy of Information. ProofBadge relies on the information provided by Plaid and your financial institutions. We do not independently verify the accuracy of this information. You acknowledge that the information retrieved may not always be accurate, complete, or up-to-date, and ProofBadge shall not be liable for any inaccuracies.

(c) No Liability for Third-Party Services. PROOFBADGE IS NOT RESPONSIBLE FOR ANY ACTS OR OMISSIONS BY PLAID, YOUR FINANCIAL INSTITUTIONS, OR ANY OTHER THIRD-PARTY SERVICE PROVIDERS. THIS INCLUDES, WITHOUT LIMITATION, ANY DATA BREACHES, SECURITY INCIDENTS, SERVICE INTERRUPTIONS, ERRORS, OR UNAUTHORIZED ACCESS THAT OCCURS WITHIN THIRD-PARTY SYSTEMS. YOU AGREE THAT PROOFBADGE SHALL HAVE NO LIABILITY FOR ANY LOSSES OR DAMAGES ARISING FROM THE USE OF PLAID OR ANY OTHER THIRD-PARTY SERVICE.

(d) Disconnection. You may disconnect your financial accounts at any time through the Services or by contacting us. Disconnection will not affect any verification badges or reports previously generated.

9. Feedback

We appreciate feedback, comments, ideas, proposals and suggestions for improvements to the Services (“Feedback”). If you choose to submit Feedback, you agree that we are free to use it without any restriction or compensation to you.

10. Your Content

(a) Posting Content. Our Services may allow you to store or share content such as text (in posts or communications with others), files, documents, graphics, and images. Anything (other than Feedback) that you post or otherwise make available through the Services is referred to as “User Content”. ProofBadge does not claim any ownership rights in any User Content and nothing in these Terms will be deemed to restrict any rights that you may have to your User Content.

(b) Permissions to Your User Content. By making any User Content available through the Services you hereby grant to ProofBadge a non-exclusive, transferable, worldwide, royalty-free license, with the right to sublicense, to use, copy, modify, create derivative works based upon, distribute, publicly display, and publicly perform your User Content in connection with operating and providing the Services.

(c) Your Responsibility for User Content. You are solely responsible for all your User Content. You represent and warrant that you have (and will have) all rights that are necessary to grant us the license rights in your User Content under these Terms. You represent and warrant that neither your User Content, nor your use and provision of your User Content to be made available through the Services, nor any use of your User Content by ProofBadge on or through the Services will infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.

(d) Removal of User Content. You can remove your User Content by specifically deleting it. You should know that in certain instances, some of your User Content (such as posts or comments you make) may not be completely removed and copies of your User Content may continue to exist on the Services. To the maximum extent permitted by law, we are not responsible or liable for the removal or deletion of (or the failure to remove or delete) any of your User Content.

(e) ProofBadge’s Intellectual Property. We may make available through the Services content that is subject to intellectual property rights. We retain all rights to that content.

11. General Prohibitions and ProofBadge’s Enforcement Rights

You agree not to do any of the following:

(a) Post, upload, publish, submit or transmit any User Content that: (i) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading or deceptive; (iv) is defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is violent or threatening or promotes violence or actions that are threatening to any person or entity; or (vii) promotes illegal or harmful activities or substances;

(b) Use, display, mirror or frame the Services or any individual element within the Services, ProofBadge’s name, any ProofBadge trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without ProofBadge’s express written consent;

(c) Access, tamper with, or use non-public areas of the Services, ProofBadge’s computer systems, or the technical delivery systems of ProofBadge’s providers;

(d) Attempt to probe, scan or test the vulnerability of any ProofBadge system or network or breach any security or authentication measures;

(e) Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by ProofBadge or any of ProofBadge’s providers or any other third party (including another user) to protect the Services;

(f) Attempt to access or search the Services or download content from the Services using any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by ProofBadge or other generally available third-party web browsers;

(g) Send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation;

(h) Use any meta tags or other hidden text or metadata utilizing a ProofBadge trademark, logo URL or product name without ProofBadge’s express written consent;

(i) Use the Services, or any portion thereof, for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms;

(j) Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services to send altered, deceptive or false source-identifying information;

(k) Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services;

(l) Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;

(m) Collect or store any personally identifiable information from the Services from other users of the Services without their express permission;

(n) Impersonate or misrepresent your affiliation with any person or entity;

(o) Violate any applicable law or regulation; or

(p) Encourage or enable any other individual to do any of the foregoing.

ProofBadge is not obligated to monitor access to or use of the Services or to review or edit any content. However, we have the right to do so for the purpose of operating the Services, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. We reserve the right, but are not obligated, to remove or disable access to any content, including User Content, at any time and without notice, including, but not limited to, if we, at our sole discretion, consider it objectionable or in violation of these Terms. We have the right to investigate violations of these Terms or conduct that affects the Services. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

12. DMCA/Copyright Policy

ProofBadge respects copyright law and expects its users to do the same. It is ProofBadge’s policy to terminate in appropriate circumstances account holders who repeatedly infringe or are believed to be repeatedly infringing the rights of copyright holders. Please see ProofBadge’s Copyright and IP Policy, for further information.

13. Links to Third Party Websites or Resources

The Services may allow you to access third-party websites or other resources. We provide access only as a convenience and are not responsible for the content, products or services on or available from those resources or links displayed on such websites. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party resources.

14. Termination

We may suspend or terminate your access to and use of the Services, including suspending access to or terminating your account, at our sole discretion, at any time and without notice to you. You may cancel your account at any time by sending us an email at privacy@proofbadge.com. Upon any termination, discontinuation or cancellation of the Services or your account, the following Sections will survive: 6, 7, 8, 10(b), 10(c), 10(e), 11, 14, 15, 16, 17, 18, 19, and 20.

15. Warranty Disclaimers

THE SERVICES ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, WE EXPLICITLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. We make no warranty that the Services will meet your requirements or be available on an uninterrupted, secure, or error-free basis. We make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of any information or content on the Services. WE MAKE NO WARRANTY REGARDING THE ACCURACY OR COMPLETENESS OF ANY FINANCIAL DATA OBTAINED THROUGH OUR SERVICES OR THIRD-PARTY PROVIDERS SUCH AS PLAID. VERIFICATION BADGES AND REPORTS ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS THE SOLE BASIS FOR ANY FINANCIAL, LEGAL, OR OTHER DECISIONS.

16. Indemnity

You will indemnify and hold ProofBadge and its officers, directors, employees and agents, harmless from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (a) your access to or use of the Services, (b) your User Content, (c) your violation of these Terms, (d) your use of any verification badges or reports generated by the Services, or (e) any third party’s reliance on verification information you have shared.

17. Limitation of Liability

(a) TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PROOFBADGE NOR ITS SERVICE PROVIDERS INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT PROOFBADGE OR ITS SERVICE PROVIDERS HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

(b) TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PROOFBADGE’S TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES EXCEED THE AMOUNTS YOU HAVE PAID OR ARE PAYABLE BY YOU TO PROOFBADGE FOR USE OF THE SERVICES OR ONE HUNDRED DOLLARS ($100), IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO PROOFBADGE, AS APPLICABLE.

(c) THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN PROOFBADGE AND YOU.

(d) WITHOUT LIMITING THE FOREGOING, PROOFBADGE SHALL NOT BE LIABLE FOR ANY DAMAGES OR LOSSES ARISING FROM: (i) ANY DATA BREACH, SECURITY INCIDENT, OR UNAUTHORIZED ACCESS OCCURRING AT PLAID, YOUR FINANCIAL INSTITUTION, OR ANY OTHER THIRD-PARTY SERVICE PROVIDER; (ii) ANY INACCURACY, ERROR, OR OMISSION IN FINANCIAL DATA PROVIDED BY THIRD PARTIES; (iii) ANY DECISION MADE BY YOU OR ANY THIRD PARTY BASED ON VERIFICATION BADGES OR REPORTS; OR (iv) ANY FAILURE OF A THIRD PARTY TO ACCEPT OR HONOR ANY VERIFICATION BADGE OR REPORT.

18. Governing Law and Forum Choice

These Terms and any action related thereto will be governed by the laws of the State of Delaware, without regard to its conflict of laws provisions. Except as otherwise expressly set forth in Section 19 “Dispute Resolution,” the exclusive jurisdiction for all Disputes (defined below) that you and ProofBadge are not required to arbitrate will be the state and federal courts located in Delaware, and you and ProofBadge each waive any objection to jurisdiction and venue in such courts.

19. Dispute Resolution

(a) Mandatory Arbitration of Disputes. We each agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Services (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and ProofBadge agree that the Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you and ProofBadge are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms.

(b) Exceptions. As limited exceptions to Section 19(a) above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.

(c) Conducting Arbitration and Arbitration Rules. The arbitration will be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, except as modified by these Terms. The AAA Rules are available at www.adr.org. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules.

(d) Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules, and we won’t seek to recover the administration and arbitrator fees we are responsible for paying, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration we’ll pay all of our attorneys’ fees and costs and won’t seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.

(e) Injunctive and Declaratory Relief. Except as provided in Section 19(b) above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. To the extent that you or we prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief shall be stayed pending the outcome of the merits of any individual claims in arbitration.

(f) Class Action Waiver. YOU AND PROOFBADGE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.

(g) Severability. With the exception of any of the provisions in Section 19(f) of these Terms (“Class Action Waiver”), if an arbitrator or court of competent jurisdiction decides that any part of these Terms is invalid or unenforceable, the other parts of these Terms will still apply.

20. General Terms

(a) Reservation of Rights. ProofBadge and its licensors exclusively own all right, title and interest in and to the Services, including all associated intellectual property rights. You acknowledge that the Services are protected by copyright, trademark, and other laws of the United States and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services.

(b) Entire Agreement. These Terms constitute the entire and exclusive understanding and agreement between ProofBadge and you regarding the Services, and these Terms supersede and replace all prior oral or written understandings or agreements between ProofBadge and you regarding the Services. If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. Except where provided by applicable law in your jurisdiction, you may not assign or transfer these Terms, by operation of law or otherwise, without ProofBadge’s prior written consent. Any attempt by you to assign or transfer these Terms absent our consent or your statutory right, without such consent, will be null. ProofBadge may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.

(c) Notices. Any notices or other communications provided by ProofBadge under these Terms will be given: (i) via email; or (ii) by posting to the Services. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.

(d) Waiver of Rights. ProofBadge’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of ProofBadge. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

21. Contact Information

If you have any questions about these Terms, please contact us at:

Email: support@proofbadge.com