Terms of Service

These WOJE™ Terms of Service (“Terms” or “Agreement”) govern your access to and use of the website at WojeMoney.com and the software platform at MyWojeMoney.com (collectively, the “Platform”), operated by WOJE™, Inc., also referred to as WOJE Money™ (“Company,” “we,” “us,” or “our”). These Terms apply to all visitors, registered users, Business Users, and Consumers who access or use the Platform in any capacity.

1. Acceptance of Terms

1.1  PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING WOJEMONEY.COM OR THE SOFTWARE AT MYWOJEMONEY.COM IN ANY MANNER — INCLUDING BROWSING THE WEBSITE, CREATING AN ACCOUNT, ENTERING OR MANAGING A PAYMENT PLAN, OR CONDUCTING ANY TRANSACTION THROUGH THE PLATFORM — YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS OF SERVICE AND ALL POLICIES INCORPORATED HEREIN.

1.2  These Terms of Service are legally binding upon your first access or use of the Platform and do not require a handwritten or electronic signature. No further action is needed on your part beyond accessing or using the Platform for these Terms to take full legal effect.

1.3  If you do not agree to these Terms, you must immediately cease all access to and use of WojeMoney.com and MyWojeMoney.com.

1.4  Your continued use of the Platform following the posting of any updated Terms constitutes your acceptance of those updated Terms. It is your responsibility to review these Terms periodically. The most current version will always be available at WojeMoney.com.

1.5  Business Users who create payment plans through the Platform additionally agree to the specific terms of each payment plan entered, which are incorporated by reference into these Terms. Consumers who accept a payment plan through the Platform agree to both these Terms and the specific payment plan terms set by the Business User.

2. Definitions

“Company” means WOJE™, Inc., also known as WOJE Money™.

“Platform” means the website at WojeMoney.com and the software accessible at MyWojeMoney.com, including all features, tools, and services offered therein.

“User” means any person or entity that accesses or uses the Platform in any capacity.

“Business User” means any individual or business entity that uses the Platform to create, manage, and collect on financing agreements with their customers.

“Consumer” means any individual who enters into a payment plan with a Business User through the Platform.

“Active Payment Plan” or “APP” means any financing agreement that has been accepted by a Consumer and carries an outstanding balance.

“Effective Date” means the date on which a User first accesses or uses the Platform.

3. Technical Support

3.1  Company will provide Users with reasonable technical support in accordance with Company’s standard practices posted at WojeMoney.com and WojeInc.com.

3.2  Support is available via telephone and email on weekdays from 9:00 AM to 5:00 PM Mountain Time, excluding Federal Holidays. Helpdesk tickets may be submitted at any time by emailing [email protected]. Company will use commercially reasonable efforts to respond within one (1) business day.

3.3  Service Level Targets: (a) Critical issues — platform unavailability or payment processing failure — 4-hour acknowledgment, 24-hour target resolution; (b) Major issues — 1 business day response; (c) Minor issues — 3 business days. Where Company fails to meet a critical SLA target, Users may request a prorated service credit equal to one day’s subscription fee for each calendar day the issue remains unresolved beyond the target window.

4. Acceptable Use

In connection with your use of the Platform, you must not:

(1) Breach these Terms or any other agreement between you and the Company, or between you and any recipient of funds;

(2) Violate any law, statute, ordinance, or regulation, including those governing financial services, consumer protections, unfair competition, anti-discrimination, or false advertising;

(3) Infringe the Company’s or any third party’s copyright, patent, trademark, trade secret, or other intellectual property rights, or rights of publicity or privacy;

(4) Use a personal account to conduct transactions for goods or services with other personal accounts;

(5) Create or control more than one personal account without the Company’s express written authorization.

WOJE™ SHOULD ONLY BE USED TO TRANSACT WITH LOCAL BUSINESSES AND INDIVIDUALS YOU KNOW AND TRUST.

5. Truth in Lending — Consumer Disclosure Rights

5.1  Woje™ operates as a Service Assisted Contract (SAC) platform through which Business Users facilitate financing agreements directly with their customers. Because the terms of each payment plan — including interest rate, fees, and payment schedule — are set individually by the Business User and may vary over the life of a contract, a standardized Truth in Lending Act (TILA) disclosure at the platform level is not practicable for all transactions.

5.2  Any Consumer who is a party to a payment plan facilitated through Woje™ has the right to request a written disclosure statement from the Business User at any time. Upon such a request, the Business User agrees to make their best effort to provide the Consumer, via email, within seven (7) calendar days of the inquiry, a written record that includes, to the extent reasonably ascertainable from the contract and platform data:

The original principal amount of the financing;

The applicable interest rate(s) charged or to be charged;

All fees applicable to the account, including service fees, late fees, and bounced payment fees;

A record of payments made to date and the remaining balance;

The scheduled payment amounts and due dates going forward.

5.3  Business Users are solely responsible for ensuring their individual financing agreements comply with applicable federal and state lending disclosure laws, including TILA and Regulation Z, to the extent those laws apply to their transactions. Woje™ does not provide legal advice and encourages all Business Users to consult a licensed attorney or compliance professional regarding their disclosure obligations.

5.4  Nothing in this Section limits any Consumer’s rights under applicable federal or state law.

6. Amendments and Notice

6.1  Company reserves the right to amend, add, or modify any term of these Terms of Service. Any material amendment — including changes to subscription pricing, revenue share percentages, fee structures, liability terms, or dispute procedures — shall not take effect until at least thirty (30) calendar days after written notice has been delivered to the User via the email address on file.

6.2  Notice of material amendments will be provided by email and, where practicable, by in-platform notification. The notice will clearly identify the provision(s) being changed and the effective date of the change.

6.3  If you do not accept a material amendment, you may terminate your account without penalty by providing written notice to Company at [email protected] before the amendment’s effective date. Continued use of the Platform after the effective date constitutes acceptance of the amended Terms.

6.4  Non-material changes — such as updates to contact information, formatting corrections, or clarifications that do not alter User rights or obligations — may take effect immediately without advance notice.

7. Payments, Transaction Disputes, and Electronic Funds Transfer Rights

7.1  Payment Processing. All payments processed through the Platform are initiated as ACH (Automated Clearing House) electronic fund transfers pursuant to agreements between the parties and their respective financial institutions.

7.2  Irreversibility of Completed Payments. Once a payment has been submitted and the recipient’s financial institution has accepted the transfer, that payment generally cannot be reversed. Consumers who wish to avoid an upcoming scheduled payment should contact the Business User in advance to request a postponement, which the Business User may grant at their discretion.

7.3  60-Day Dispute Window. In accordance with the Electronic Fund Transfer Act (EFTA), 15 U.S.C. § 1693 et seq., and Regulation E (12 C.F.R. Part 1005), Consumers have the right to dispute any electronic fund transfer they believe to be unauthorized or erroneous. A Consumer must notify the Business User and/or Company of a disputed transaction within sixty (60) calendar days of the date the transaction first appeared on the Consumer’s bank statement.

7.4  How to Initiate a Dispute. To initiate a dispute, the Consumer must provide written notice — by email to [email protected] or to the Business User’s email address on file — that includes:

The Consumer’s name and account information;

The date and amount of the disputed transaction;

A description of the basis for the dispute (e.g., unauthorized charge, incorrect amount, duplicate charge).

7.5  Investigation and Resolution. Upon receipt of a valid dispute notice, Company and/or the Business User will:

Acknowledge receipt of the dispute within three (3) business days;

Conduct a good-faith investigation within ten (10) business days of receipt (or up to forty-five (45) business days for new accounts or point-of-sale transactions, consistent with Regulation E);

Provide the Consumer with written results of the investigation within three (3) business days of completing it;

Where an error is confirmed, correct the error and, where applicable, credit the Consumer’s account within one (1) business day of the determination.

7.6  Unauthorized Transactions. If a Consumer believes a transaction was unauthorized, the Consumer should also contact their bank or financial institution immediately. Woje™ and the Business User will cooperate with any investigation by the Consumer’s financial institution.

7.7  Disputes arising from a Consumer’s voluntary agreement to payment plan terms (e.g., a change of mind about a purchase) are not covered by this Section and must be resolved directly between the Consumer and the Business User.

7.8  Nothing in this Section waives, limits, or supersedes any Consumer’s rights under EFTA, Regulation E, or any applicable state electronic fund transfer law.

8. Interest Rates, Fees, and Usury Law Compliance

8.1  Woje™ is a technology platform that provides Business Users with tools to create and manage financing agreements with their customers. Woje™ does not set, recommend, or guarantee the legality of interest rates or fees charged by Business Users.

8.2  It is the sole responsibility of each Business User to ensure that all interest rates and fees charged through the Platform comply with the usury laws and consumer lending regulations of the applicable jurisdiction(s) in which they operate. Business Users are strongly encouraged to:

Consult a licensed attorney or financial compliance professional in their state or jurisdiction before setting interest rates;

Review applicable state usury limits and consumer finance laws regularly, as these are subject to change;

Visit their state’s official government website or the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov for current regulatory guidance.

8.3  By using the Platform, Business Users represent and warrant that the interest rates and fees they charge comply with all applicable laws. Business Users agree to indemnify, defend, and hold harmless Woje™, Inc., its officers, directors, employees, and agents from and against any claims, damages, fines, or penalties arising from a Business User’s failure to comply with applicable usury or consumer lending laws.

8.4  All financial transactions between a Business User and a Consumer must coincide with a mutually accepted contract and comply with all applicable state or provincial usury laws.

9. Sale or Transfer of Account Balances

9.1  Company reserves the right to sell, assign, or transfer any balance on a Customer’s account to a third party. Upon such a transfer, all information, processes, and data necessary to ensure collection, along with all rights and obligations under these Terms, will transfer to the acquiring entity, and both parties will remain bound by these Terms.

9.2  Notice Requirement. Company will provide the affected Customer with a minimum of thirty (30) calendar days’ written notice by email prior to completing any sale or transfer of that Customer’s account balance. The notice will identify the acquiring entity and provide updated contact information for payment and account inquiries.

9.3  Right to Cure. If the balance being sold or transferred arose from an alleged default, the Customer shall have the right to cure the default within the 30-day notice period. If the default is cured in full during this period, Company shall not proceed with the sale or transfer solely on the basis of that default.

9.4  Restrictions on Acquirers. Company will not sell or transfer account balances to any entity that: (a) has been sanctioned, fined, or had its license revoked by a federal or state financial regulator within the prior five (5) years; or (b) primarily operates as a third-party debt collector under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.

9.5  Terms Preservation. Any acquiring entity is required, as a condition of the transfer, to honor all existing payment plan terms, interest rates, and fee structures in effect at the time of transfer without modification adverse to the Consumer.

10. Subscription Fees and Pricing

10.1  An “Active Payment Plan” (APP) is any financing agreement accepted by a Consumer that carries an outstanding balance. Subscription fees for Business Users are determined by the total number of APPs maintained at any given time and adjust automatically as APPs are created or fulfilled. The current subscription fee schedule is as follows:

Active Payment Plans (APPs)

Monthly Subscription Fee

0–1 APPs

$0 / month

2–20 APPs

$24 / month

21–50 APPs

$49 / month

51–100 APPs

$97 / month

101–200 APPs

$197 / month

201–300 APPs

$297 / month

301–400 APPs

$397 / month

401–500 APPs

$497 / month

501–600 APPs

$597 / month

601–700 APPs

$697 / month

701–800 APPs

$797 / month

801–900 APPs

$897 / month

901+ APPs (unlimited)

$1,000 / month

10.2  Tiers adjust upward automatically when a new APP causes the total to cross into the next tier, and adjust downward at the start of the next billing cycle once the APP count has fallen below the current tier threshold.

10.3  Revenue Share. In addition to the monthly subscription fee, Woje™ retains twenty-five percent (25%) of all interest and fees earned by the Business User on each payment received through the Platform. This includes, without limitation: interest charges, service fees, late fees, and bounced payment fees. The 25% revenue share is calculated on gross amounts collected per payment transaction. This rate is fixed for the duration of the User’s agreement with the Company and may not be changed without the mutual written consent of both parties, notwithstanding Section 6 above.

10.4  Unpaid subscription amounts are subject to a finance charge of 1.5% per month on any outstanding balance, or the maximum permitted by law, whichever is lower, plus all reasonable expenses of collection, and may result in suspension or termination of service. Finance charges may be calculated on a Daily Percentage Rate (DPR).

10.5  Customer is responsible for all taxes associated with the Services other than U.S. taxes based on Company’s net income.

11. Enterprise SaaS

11.1  An Enterprise version of the Woje™ SaaS platform is available to qualifying businesses. Pricing for the Enterprise tier is determined on a case-by-case basis depending on the scope of use, volume of transactions, integration requirements, and other factors. Interested parties should contact Woje™ at [email protected] to request an Enterprise pricing proposal.

11.2  Enterprise engagements will be memorialized in a separate written addendum to these Terms, specifying the applicable feature set, pricing, support commitments, and any custom terms for that engagement.

12. Term and Termination

12.1  These Terms are effective as of the date you first access or use the Platform and continue until your account is terminated.

12.2  Either party may terminate this agreement upon thirty (30) days’ written notice. In the case of nonpayment or material breach by the User, Company may suspend or terminate access immediately without notice.

12.3  Upon termination, Business Users may not create new Active Payment Plans. Existing APPs will continue to be processed through the Platform for a wind-down period not to exceed twelve (12) months, or until all existing APPs are fulfilled, whichever comes first, provided the User remains current on all subscription and revenue-share obligations.

12.4  Account Closure Restrictions. A User may not close their Woje™ account if: (1) doing so would be for the purpose of evading an investigation; (2) there is a pending transaction or open dispute; (3) amounts are owed to Company; (4) active payment plans with an outstanding balance exist within the Platform; or (5) the associated Dwolla account is subject to a hold, limitation, or reserve. Where a User cannot immediately close their account due to conditions (3) or (4), the wind-down process in Section 12.3 applies.

13. Bank Transfer Reviews

13.1  Company reviews account and transaction activity at various times, including when bank transfers are initiated. These reviews check for suspicious or illegal activity and whether account activity complies with these Terms.

13.2  These reviews may result in: (1) delayed, blocked, or cancelled transfers; (2) funds being held by Company; (3) funds being applied to amounts owed to Company or used to offset losses; (4) account limitation, suspension, or termination; (5) funds being seized to comply with a court order, warrant, or other legal process; or (6) reversal of payments previously received where fraud or account compromise is confirmed.

14. Data Sharing and Privacy

14.1  By using the Platform, you consent to the Company sharing your personal data with its members or contractors solely for the purpose of providing the services described in these Terms, or in connection with a lawful transfer of this agreement.

14.2  Categories of Data Shared. The following categories of personal data may be shared with service providers, contractors, or regulators as necessary to operate the Platform:

Identity information (name, address, date of birth) — purpose: account verification and KYC/AML compliance;

Financial account information (bank routing and account numbers) — purpose: ACH payment processing;

Transaction records (payment amounts, dates, balances) — purpose: contract management and audit;

Contact information (email address, phone number) — purpose: account communications and support.

14.3  Company does not sell personal information. Personal data will not be shared with advertisers. Aggregated or de-identified data may be used for research, benchmarking, or platform analytics.

14.4  In the event of a merger, acquisition, or sale of substantially all of Company’s assets, personal data may be transferred to the acquiring entity, provided that such entity agrees in writing to privacy obligations no less protective than those in these Terms and Company’s Privacy Policy.

14.5  State Privacy Rights. Users residing in California, Virginia, Colorado, or other states with comprehensive consumer privacy laws retain all rights afforded under those laws, including rights of access, correction, deletion, and opt-out of certain data sharing. To exercise any privacy right, contact [email protected].

14.6  Data Retention. Company will retain personal data only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce agreements. Following account closure and completion of all active contracts, personal data will be retained for a minimum of five (5) years to satisfy financial recordkeeping requirements, after which it may be securely deleted or anonymized.

15. Limitation of Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY, EXCEPT FOR BODILY INJURY OF A PERSON, COMPANY AND ITS SUPPLIERS (INCLUDING BUT NOT LIMITED TO ALL EQUIPMENT AND TECHNOLOGY SUPPLIERS), OFFICERS, AFFILIATES, REPRESENTATIVES, CONTRACTORS, AND EMPLOYEES SHALL NOT BE RESPONSIBLE OR LIABLE WITH RESPECT TO ANY SUBJECT MATTER OF THESE TERMS UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY, OR OTHER THEORY: (A) FOR ERROR OR INTERRUPTION OF USE, OR FOR LOSS, INACCURACY, OR CORRUPTION OF DATA, OR COST OF PROCUREMENT OF SUBSTITUTE GOODS, SERVICES, OR TECHNOLOGY, OR LOSS OF BUSINESS; (B) FOR ANY INDIRECT, EXEMPLARY, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES; (C) FOR ANY MATTER BEYOND COMPANY’S REASONABLE CONTROL; OR (D) FOR ANY AMOUNTS THAT, TOGETHER WITH AMOUNTS ASSOCIATED WITH ALL OTHER CLAIMS, EXCEED THE FEES PAID BY USER TO COMPANY FOR THE SERVICES UNDER THESE TERMS IN THE TWELVE (12) MONTHS PRIOR TO THE ACT GIVING RISE TO THE LIABILITY.

16. Governing Law and Dispute Resolution

16.1  These Terms and your account shall be governed by and construed in accordance with the laws of the United States and the State of Utah, regardless of conflict-of-laws principles or where you reside.

16.2  The parties agree to attempt to resolve any dispute informally by contacting [email protected] before initiating any formal legal proceeding.

17. General Provisions

17.1  Severability. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

17.2  Assignment. These Terms are not assignable, transferable, or sublicensable by you except with Company’s prior written consent. Company may transfer and assign any of its rights and obligations under these Terms without your consent, subject to the notice requirements in Section 9.

17.3  Entire Agreement. These Terms constitute the complete and exclusive statement of the mutual understanding of the parties and supersede all previous written and oral agreements, communications, and understandings relating to the subject matter hereof. All waivers and modifications must be in writing, except as otherwise provided in Section 6.

By accessing or using WojeMoney.com or MyWojeMoney.com, you agree to these Terms of Service.