Sizzle Terms of Service

Sezzle User Agreement

Last Update: February 01, 2021; Effective: March 01, 2021

PLEASE READ THESE TERMS OF THIS USER AGREEMENT ("Agreement") CAREFULLY. BY ACCESSING THE SEZZLE WEBSITE OR USING SEZZLE SERVICES, YOU AGREE TO BE BOUND BY: 1) THIS SEZZLE USER AGREEMENT; 2) THE ACCEPTABLE USE POLICY; 3) THE ELECTRONIC COMMUNICATIONS DELIVERY POLICY; 4) THE CARD HOLDER ADDENDUM AND; 5) THE PRIVACY POLICY. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT ACCESS THE SEZZLE WEBSITE OR USE THE SEZZLE SERVICE. THE HEADINGS CONTAINED IN THIS AGREEMENT ARE FOR REFERENCE PURPOSES ONLY. YOU SHOULD PRINT A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

STOP AND READ! — ARBITRATION AND CLASS ACTION WAIVER

THESE TERMS HAVE AN ARBITRATION PROVISION AND CLASS ACTION WAIVER IN SECTION 14 THAT REQUIRE THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY OR COURT TRIALS OR CLASS ACTIONS. CAREFULLY REVIEW THESE SECTIONS BEFORE YOU AGREE TO THESE TERMS OR ACCESS THE SEZZLE WEBSITE OR USE THE SEZZLE SERVICE.

This Agreement also governs your use of this site ("Website"), your use of the Sezzle Service as described below, and your access to your Sezzle Account information and service through the Website (together, the "Sezzle Services" or "Services"). Unless otherwise specified, this Agreement applies to you regardless of where you are residing internationally. Using the Sezzle Services means that you have accepted all of the terms and conditions contained in this Agreement and the agreements on the Legal Agreements page including the Privacy Policy, the Acceptable Use Policy, the Sezzle Card Holder Addendum, and the Electronic Communications Delivery Policy. You should read all of these terms carefully before creating a Sezzle Account or using the Sezzle Services.

  1. The Agreement

    1. The Parties to this Agreement.

      For all states not expressly listed below, this Agreement describes the terms between Sezzle ("we", "us" or "our") and you ("you", "your", "User", "Sezzle User") for the financing provided by Sezzle, the creditor, to you for the goods and/or services you purchased from the retail or online merchants that offer Sezzle as a payment method (“Sezzle Merchant”). Through this Agreement, Sezzle has extended you financing and the right to defer payment for the goods and/or services you have purchased. You agree to pay us pursuant to the terms of this Agreement.

      For Residents of Georgia, Indiana, Louisiana, Nevada, New Mexico, and Rhode Island, this Agreement describes the terms of the retail installment sale contract between you ("you", "your", "User", "Sezzle User") and the Sezzle Merchant, the creditor, who sold you the goods and/or services and the Sezzle Merchant’s assigns (“we,” “us,” or “our”). We have extended you financing and the right to defer payment for the goods and/or services. You agree to pay us pursuant to the terms of this retail installment contract. You also agree that this retail installment contract will be assigned to Sezzle Inc. once you purchase the goods and/or services.

    2. Changes to this Agreement.

      Sezzle may unilaterally decide to change this Agreement from time to time, including your credit limit, provided, however, that such changes will not impose additional obligations on you concerning actions you had taken before the change became effective unless you specifically agree to such changes. You accept and agree to the changes to this Agreement by continuing to use Sezzle services.

    3. Your Eligibility.

      To be eligible to use the Services, you must be at least 18 years old and a resident of the United States or its territories. You represent and warrant that you are eligible to use the Services.

  2. What is Sezzle?

    1. The Sezzle Service.

      Sezzle is a payment processing platform designed to allow Users to finance and buy products from merchants today and pay for them later, through a down payment followed by installment payments (“Order”). To start using Sezzle, you need to open a Sezzle Account.

    2. Your Promise to Pay.

      Before completing any transaction on your behalf through any Sezzle Services, Sezzle will secure your promise to pay for each Order by disclosing all terms and conditions applicable to that Order and securing your affirmative consent to those terms for that Order, including your promise to pay the amount of the goods and services financed by the Sezzle Merchant or Sezzle (“Promise to Pay”). By accepting this Agreement and confirming the financing of any purchases through the Sezzle Merchant or Sezzle, you give us the right to collect any unpaid portions of the financed purchase. ​All additional User fees incurred from account reactivation and rescheduled payments are solely for the purpose of: (i) keeping your Sezzle Account active; and (ii) you volunteering to reschedule a payment, neither fee is required as part of your Promise to Pay. Sezzle does not charge fees for account reactivation and rescheduling payments where prohibited by law.

    3. Your Account.

      To become a User of the Sezzle Services, you must create a Sezzle User Account (aka “Sezzle Account” or “your Account”). By opening a Sezzle Account and accepting the terms as outlined in this Agreement, you attest that you are establishing your Account to enable yourself to finance the purchase of goods and services from Sezzle Merchants.

    4. Account Security and First Time Activation.

      Sezzle does not charge to activate an account for the first time. If your Account is deactivated for nonpayment or another reason, you may need to pay a $10.00 reactivation fee per delinquent order to continue to use Sezzle for financing.

      Sezzle identifies User Accounts by the mobile phone number linked to the User Account. We use 2-factor authentication to secure your Account. The first factor is a Personal Identification Number or PIN. This number is created by you and can be changed at any time in your Account Profile. The second factor we use is a One Time Password ("OTP") sent via Short Message Service ("SMS") text to your mobile phone number. The OTP proves that you have possession of your mobile phone number and the device you are using with Sezzle Services. Sezzle uses device identification techniques and algorithms to remove the need for the OTP when we recognize a previously identified and approved device.

      To create a Sezzle User Account, we require that you provide us with your mobile phone number and prove that you have possession of that device by entering an OTP. We then ask you to create a PIN and identify yourself. User identification properties that we ask for include, but are not limited to, first and last name, address, and date of birth.

      BY PROVIDING YOUR MOBILE PHONE NUMBER TO US, YOU PROVIDE YOUR PRIOR EXPRESS CONSENT FOR US AND OUR SERVICE PROVIDERS TO SEND SEZZLE OTP TEXTS TO YOUR NUMBER USING AN AUTODIALER.

    5. Sezzle’s Role in the Order

      Sezzle is not engaged in the sale of any goods or services financed by Sezzle. Sezzle does not have control of, or liability for, the products or services financed through the Sezzle Services. We provide a service that allows you to finance your purchase from Sezzle Merchants.. If you have a dispute with a Sezzle Merchant, Sezzle provides a dispute resolution service in the Sezzle Account dashboard to aid in your dispute process.

    6. Canceling Transactions

      1. All requests for Orders and Services through Sezzle are subject to approval by Sezzle, at our discretion. We may choose not to approve an Order or provide financing for a product to you, or may cancel an approved Order before the goods or services are delivered or supplied, if: (i) we reasonably consider this necessary in order to: (A) protect the integrity of our systems or the products; (B) prevent fraud; (C) limit the risk of money laundering or terrorism financing; or (D) otherwise protect us against legal, regulatory or non-payment risk; (ii) you do not pass our verifications or checks; (iii) we suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement on the payment due date); or (iv) we otherwise reasonably consider the Order or request for financing to be suspicious.

      2. If we cancel an approved Order or request for financing: (i) we will apply a full refund of any amounts you have paid to us to your bank account or card used for payment, and will cancel any future payments related to that Order; and (ii) you will have no obligation to make any further payments to us, and will not have any other ongoing relationship with us, with respect to that Order. Further, should we cancel an approved Order or request for financing, the Merchant will not be obliged to deliver the goods for that Order, unless required to do so by law. If you wish to proceed with the purchase from the Merchant, the Merchant may accept an alternative payment method in its discretion, or if required to do so by law.

    7. Automatic Payments

      By agreeing to these terms and conditions, you authorize Sezzle to make preauthorized electronic fund transfers from your designated account or payment device.

      1. Payment Schedule. Once we approve the financing for your Order, you will receive an email from us with confirmation of receipt of your Order and a Payment Schedule. This Payment Schedule email is your written confirmation that you have agreed to make regularly-scheduled electronic payments. You agree to make payment(s) in accordance with the Payment Schedule. You may make early payments through your Sezzle Account without any penalty or added fee; otherwise, Sezzle will automatically process payments in accordance with the due dates stated on the Payment Schedule. You authorize Sezzle to process such payments using the Payment Method details provided by you. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, Sezzle reserves the right to re-attempt to process the payment at a later time(s) or date(s). (a) An ‘Automatic Payment’ is a payment, through the Payment Method you have chosen, that we will automatically process and collect. This 'Payment Method' can be a bank account or payment card. This Payment Method can be charged on a one-time or regular basis in agreed upon amounts as outlined in your Payment Schedule. You will have the option to select a preferred Payment Method when your Sezzle Account is being created. You can update or change your preferred Payment Method at any time via your Sezzle Account.

      2. Authorization. Subject to the other terms of this Agreement, you hereby expressly consent to, authorize and instruct Sezzle to process and collect Automatic Payment amounts using any Payment Method on file, beginning with your preferred Payment Method for the amounts and on those scheduled dates set out in your Payment Schedule. You acknowledge that you are giving us the ability to collect or reverse variable payment amounts from or to this bank account or payment device, in accordance with your Payment Schedule and the terms of this Agreement. You authorize us to satisfy any monetary liability you owe us by:

        1. Processing and collecting the payment using any of your preferred Payment Methods on file with us at a later time(s) or date(s);

        2. Processing and collecting the payment using any other Payment Method which you have provided details of;

        3. Offsetting the payment amount against any amounts we may owe to you; or

        4. Any other legal means.

      3. Sufficient Funds Required. You are responsible for ensuring that you have sufficient funds in your bank account or payment card available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Payment Method, except to the extent that such fees or charges arise as a result of our error or system failure.



        If you cannot make a payment or know that you have insufficient funds, you must provide us reasonable notice of 3 business days to change the payment method or payment date.

      4. Error Correction. If we make an error, you must notify us within 60 days of receiving your statement from us. If we are timely notified, we will correct the error and reimburse you any fees or charges imposed as a result of our error or system failure. To file a claim, email support@sezzle.com. Please provide us with a copy of the relevant records so we can locate your account and identify the issue.

      5. ACH Payments. You understand that payment authorizations on your bank account is to remain in full force and effect until Sezzle has received written notification from you of its termination at least 3 business days prior to the payment date. To revoke your payment authorization, you must contact ach_revocation@sezzle.com at least 3 business days prior to the scheduled payment date. This only applies to ACH payments.

    8. Account Deactivation and Reactivation

      If you have outstanding amounts owed to us for an Order that have not been paid according to your Payment Schedule, as adjusted for any payments rescheduled that we agreed to, and that payment failure continues for more than 2 days after the date the payment was due, then we have the right to deactivate your Sezzle Account. Upon deactivation, you will still have access to your Sezzle Account; however, you will not be able to make additional purchases using Sezzle’s Services until you have reactivated your Sezzle Account. After deactivation, you are still required to make payment for each Order according to your Payment Schedule and this Agreement. You can reactivate your Sezzle Account by voluntarily paying us: (i) any past due payments owed to us for each Order according to your Payment Schedule, as adjusted; and (ii) any outstanding Account Reactivation Fees. You only need to pay the outstanding Account Reactivation Fees if you decide to reactivate your Sezzle Account to use our services for future purchases. Where prohibited by law, Sezzle does not charge fees for account reactivation and rescheduling payments.

    9. Authorization to Credit Your Account

      In some cases, such as a refund or a service credit, Sezzle may be required to submit a payment to your bank account or card on file. You grant Sezzle the right to perform these payments to your account(s) on file with us.

  3. Using Sezzle

    1. Purchases.

      You can use Sezzle to pay for purchases of goods and services from Sezzle Merchants by using Sezzle functionality on Sezzle Merchant sites and interfaces. Payment mechanisms for your down payment and installment payments may include but are not limited to, bank accounts, credit cards, and debit cards. If a bank account is used as your selected payment method, you are requesting an electronic transfer from your bank account. For these transactions, Sezzle will make electronic transfers from your bank account in the amount you specify. You agree that you grant authorization to Sezzle to make the transfers from any of your bank account(s), debit card(s) and/or credit card(s) to fulfill your down payment, or a missed or failed payment. You give Sezzle the right to resubmit any transaction you authorized that is returned for insufficient or uncollected funds or any other reason.

    2. Purchase Size Limits.

      We may, at our discretion, impose limits on the amount of money you can use to purchase goods or services through the Sezzle Services.

    3. Refused and Refunded Transactions.

      When you make a purchase with Sezzle, the Sezzle Merchant is not required to accept your payment. You agree that you will not hold Sezzle liable for any damages resulting from a Sezzle Merchant’s decision not to accept a payment made through the Sezzle. Any unclaimed, refunded or denied payment will be returned to the original Payment Method. We will return any unclaimed payment to you within 30 Days of the date you initiated payment.

    4. Payment Review.

      Payment Review is a process by which Sezzle reviews certain potentially high-risk transactions. If a payment is subject to Payment Review, Sezzle will place a hold on the payment and provide notice to you and the Merchant. Sezzle will conduct a review and either clear or cancel the payment. If the payment is cleared, Sezzle will provide notice to you and the Merchant. Otherwise, Sezzle will cancel the payment and the funds will be returned to the User.

    5. Contact Sezzle

      If you have concerns or questions with your account, please contact support@sezzle.com. You must also open a Dispute within 180 Days of the date you sent the payment. If you have received a recovery related to such purchase from another source, you are not allowed to additionally receive recovery with Sezzle.

      Unauthorized Transactions: If your problem is a Sezzle transaction that you did not Authorize, please contact Sezzle at support@sezzle.com to report the unauthorized transaction.

      All Other Transactions: For Sezzle to help you, you must have an Account in good standing, have purchased the item with Sezzle, and be on time with all installment payments to date.

    6. Dispute Management.

      Sezzle encourages Users to communicate with Merchants directly to manage any purchase disputes. Sezzle Services provides a dispute management system within the User Account portal to enable better communications with Sezzle Merchants. Sezzle is not a party to any purchase dispute. Our role in disputes is limited to creating a communications and dispute management portal for User and Merchant Accounts.

    7. Bank Accounts.

      When you log into your bank account to connect your bank account(s) to your Sezzle Account, Sezzle will store information related to all accounts connected to this bank connection. Sezzle reserves the right to initiate payments and withdraw funds from any bank account(s) on file at any time in order to collect all payments, including delinquent payments. Accounts include saving accounts and non-primary checking accounts.

    8. Sezzle Card Holder Addendum

      Sezzle offers an interest-free installment loan/retail installment finance card that allows Users to make purchases from Sezzle Merchants ("Sezzle Card"). Any purchase made using the Sezzle Card is subject to the Sezzle Card Holder Addendum.

    9. Sezzle Up Member Specific Terms

      1. Sezzle Up Users receive added benefits such as a visible Sezzle limit, increased limit in some instances and the ability to shop at stores exclusive to Sezzle Up Users.

      2. In consideration for these benefits, the Sezzle Up User: (a) formally consents to Sezzle reporting their payment behavior to a credit bureau and/or credit reporting agency (See section 4.3 for details on credit reporting.); and (b) agrees to provide a bank account or other appropriate method of payment.

      3. Sezzle reserves the right to terminate, remove or restrict benefits if the User removes their bank account or sets another payment method as primary.

    10. Sezzle Spend Specific Terms

      1. From time to time, Sezzle may provide you, at its sole discretion, promotional credit called “Sezzle Spend”. PARTICIPATION IN THE PROMOTION IS FREE. To participate in Sezzle Spend, Users must have an activated Sezzle Account. Sezzle Spend amounts expire as stated in the promotion, but in no event longer than 3 months from date of grant and are only available for use with designated Merchants. Sezzle Spend amounts are non-refundable, non-transferrable, cannot be applied to existing balances, and cannot be redeemed for cash. If we suspend or terminate your Sezzle Account, any Sezzle Spend credits in your Account are non-refundable and deemed forfeited. Sezzle reserves the right to i) transfer Sezzle Spend between and among Merchants at its discretion; and/or ii) terminate the program at any time.

  4. Credit Analysis and Reporting.

    1. Credit Reports.

      If you open a Sezzle Account, you are providing Sezzle with express authorization to obtain your personal credit report from a credit bureau. We are using this credit report as a supplement to our 'Know Your Customer' processes and to identify any business risks that may exist to Sezzle in offering financing to you.

    2. “Hard Checks” and Sezzle's Effect on Your Credit Score.

      Sezzle's standard offering should not have a negative effect on most credit scores. We do not perform "Hard Checks" or "Hard Pulls" on your credit files.

    3. Credit Reporting.

      Sezzle seeks to financially empower its users by allowing you to elect to enroll in Sezzle Up. Sezzle Up reports your transactions to credit agencies. Establishing a history of timely payments on financial obligations is generally positive for your credit history. We do not report to credit bureaus unless you join Sezzle Up. When you join Sezzle Up, we must report both positive and negative results to these bureaus. Do not join Sezzle Up if you are unable to meet your financial obligations on time. You can terminate your enrollment in Sezzle Up at any time by closing your Sezzle account; however, Sezzle is required to continue reporting about you, and Sezzle cannot delete negative reports.

      A credit report may be requested in connection with your application to use Sezzle or in connection with this Agreement. You give us and our agents, successors, and assigns permission to access your credit report in connection with any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing this Agreement, taking collection action on this Agreement, or for any other legitimate purposes associated with this Agreement. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

    4. Proprietary Analysis.

      Sezzle uses proprietary analysis tools to evaluate your ability to successfully complete your installment payments with Sezzle. Sezzle reserves the right to alter its analysis algorithms at any time and without notice to you.

  5. Zero Interest Charges.

    1. Sezzle Charges No Interest For Purchases.

      We charge no interest to you in connection with using your Sezzle Account to make purchases with our service. THERE ARE NO FINANCE CHARGES AND NO INTEREST PAYMENTS ASSOCIATED WITH THIS AGREEMENT.

  6. Fees

    1. Account Reactivation Fees.

      If you fail to make a scheduled payment according to your Payment Schedule, as adjusted for any rescheduled payments that we agreed to, and that payment failure continues for more than 2 days after the date the payment was due (“Failed Payment”), then we will apply a $10.00 account reactivation fee (“Account Reactivation Fee”) and deactivate your ability to make any additional purchases using Sezzle’s Services. Once deactivated, you will still have access to your Account, but you will not be able to make any additional purchases. An Account Reactivation Fee will be applied one time for each account deactivation per order. You may voluntarily reactivate your Sezzle Account by following the Account reactivation process outlined in Section 2.9 above. As part of the Account reactivation process, you will need to elect to pay us the Account Reactivation Fees due at the time of reactivation.

    2. Rescheduling Convenience Fees.

      We charge a rescheduling convenience fee of up to $5.00 to allow a User to delay the Payment Schedule (up to 2 weeks). We waive this fee once per order, and we limit reschedules to a total of three reschedules per order. Sezzle does not charge rescheduling convenience fees to residents of Montana

  7. Our Communications.

    1. Notices to You.

      You agree and consent to Sezzle providing you Communications about your Account and the Sezzle Services electronically as described in our Electronic Communications Delivery Policy. Any electronic Communications will be considered to be received by you within 1 hour after the time we post it to our website or email it to you. Any Communications sent to you by postal mail will be considered to be received by you 3 Business Days after we send it.

    2. Notices to Sezzle.

      Except as otherwise stated above in the Electronic Communications Delivery Policy, and herein, notices to Sezzle must be sent by postal mail to: Sezzle, Inc., Attention: Sezzle Legal Notices, PO Box 24218, Minneapolis, MN 55424.

    3. Contacting You.

      To contact you more efficiently, we may contact you using calls or text messages to the telephone number(s) you have provided us. We may place such calls or texts to: (i) send you OTP text messages; (ii) provide you notices regarding your Account or Account activity or transactions, (iii) investigate or prevent fraud regarding your Account, (iv) collect a debt owed by you to us; or (v) provide any other informational or transactional message related to your Account. We may share your phone number(s) with service providers with whom we contract to assist us in making these calls and texts to you, but we will not share your phone number(s) with third parties for their own purposes without your consent.

      YOUR CONSENT FOR AUTOMATED CALLS AND TEXTS

      BY PROVIDING A PHONE NUMBER TO US, YOU PROVIDE YOUR PRIOR EXPRESS CONSENT FOR US AND OUR SERVICE PROVIDERS TO MAKE CALLS AND TEXTS TO YOUR NUMBER USING AN AUTODIALER OR AN ARTIFICIAL OR PRERECORDED VOICE TO CARRY OUT THE PURPOSES WE HAVE IDENTIFIED ABOVE.

      To opt-out of automated calls and texts from us, reply STOP to any text from us at any time. You agree to and will then receive a single final text message confirming your opt-out.

      We and our service providers will not use autodialed or artificial or prerecorded message calls or texts to contact you for marketing purposes at the telephone number(s) you designate unless we receive your prior express written consent.

      Standard telephone minute and text charges may apply. You, not us, will be solely responsible for any carrier charges because of calls or texts from us.

      You warrant and represent that you are either the account holder of any phone numbers you provide to us, or you have the express permission of the account holder to provide such numbers. You also agree that if and before you disconnect or transfer any phone number you provided us, you will send all necessary texts or other communications to us in order to stop future text messages from being sent to that number. We reserve the right, in our sole discretion, to cancel or suspend any or all of our texting program, in whole or in part, for any reason, with or without notice to you.

      We are not responsible for incomplete, lost, late, or misdirected text messages, including, but not limited to, undelivered texts resulting from any form of filtering by your mobile carrier or service provider, and we cannot guarantee that each user will receive the benefit of the texting program for each text message sent.

      You may respond with HELP to any text from us at any time if you require assistance with the texting program. Alternatively, you may email us at support@sezzle.com. When emailing or calling for support, please be sure to include your mobile number and a detailed description of your question or support issue.

    4. Recording Calls.

      You understand and agree that Sezzle may, without further notice or warning and in our discretion, monitor or record telephone conversations you or anyone acting on your behalf has with Sezzle or its service provider or agents for quality control and training purposes or its protection or recordkeeping purposes. You acknowledge and understand that, while your communications with Sezzle may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by Sezzle, and Sezzle does not guarantee that recordings of any particular telephone calls will be retained or retrievable.

  8. Your Privacy and Our Privacy Policies.

    1. Your Privacy.

      Protecting your privacy is very important to Sezzle. Please review our Privacy Policy to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your Information.

    2. Password Security and Keeping Your Data Current.

      You are responsible for maintaining adequate security and control of any and all IDs, OTPs, passwords, personal identification numbers (PINs), or any other codes that you use to access the Sezzle Services.

  9. Our Intellectual Property and Your Use of It.

    1. Intellectual Property.

      "Sezzle.com," "Sezzle", “Sezzle, Inc.”, “Sezzle Up”, Sezzle Spend and all logos related to the Sezzle Services are either trademarks or registered trademarks of Sezzle or Sezzle’s licensors. You may not copy, imitate or use them without Sezzle’s prior written consent. Also, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and trade dress of Sezzle. You may not copy, imitate, or use them without our prior written consent.

  10. Identifying You.

    1. Identity Authentication.

      You authorize Sezzle, directly or through third parties, to make any inquiries we consider necessary to validate your identity. We may ask for your Social Security Number or to see your driver’s license or other identifying documents at any time. Sezzle reserves the right to close, suspend, or limit access to your Account, Sezzle and all Sezzle Services in the event we are unable to obtain or verify this Information.

  11. Activities Restricted Throughout Sezzle Services.

    1. Restricted Activities.

      In connection with your use of our website, your Sezzle Account, Sezzle, Sezzle Services, or in the course of your interactions with Sezzle, Sezzle Merchants, other Users, or third parties, you will not:

      • Breach this Agreement, the Acceptable Use Policy or any other agreement or policy that you have agreed to with Sezzle, or engage in any activities that violate any applicable law, statute, regulation or ordinance;

      • Infringe Sezzle's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;

      • Act in a manner that is defamatory, trade libelous, threatening or harassing to Sezzle;

      • Provide false, inaccurate or misleading information;

      • Pay any obligation to us with stolen funds, ill-gotten gains, or fund procured through ID theft or fraud;

      • Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;

      • Attempt to double dip during a dispute by receiving or attempting to receive funds from both Sezzle and the Merchant or bank for the same transaction;

      • Control an Account that is linked to another Account that has engaged in any of these Restricted Activities;

      • Conduct your business or use the Sezzle Services in a manner that results in or may result in complaints, Disputes, Reversals, fees, fines, penalties or other liability to Sezzle, other Users, third parties or you;

      • Use your Account or the Sezzle Services in a manner that Sezzle, or any other electronic funds transfer network reasonably believes to be an abuse of any bank transfer system or a violation of card association or network rules;

      • Provide yourself a cash advance, wire or money transfer (or help others to do so);

      • Take any action that imposes an unreasonable or disproportionately large load on our infrastructure; facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Information; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our website, mobile App or the Sezzle Services;

      • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers; Use the Sezzle Services to test payment behaviors;

      • Circumvent any Sezzle policy or determinations about your Account such as temporary or indefinite suspensions or other limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create new or additional Sezzle Account(s) when an Account has been restricted, suspended or otherwise limited; creating new or additional Sezzle Accounts using Information that is not your own (e.g. name, address, email address, etc.); or using someone else’s Sezzle Account;

      • Harass or threaten our employees, agents, or other Users.

    2. Unlawful Internet Gambling Notice.

      Restricted transactions as defined in Federal Reserve Regulation GG or other gambling regulations are prohibited from being processed through your Account or your relationship with Sezzle. Restricted transactions include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling.

  12. Liability.

    1. Actions by Sezzle - Court Orders or Other Legal Process.

      Sezzle, in its sole discretion, may take various actions including any limitation on your Account in the event it receives notice of a court order or other legal process that restricts the use of or access to your Account. Sezzle will give notice of a limitation it makes to comply with a court order or other legal process, unless the court order or other process directs that Sezzle does not provide you notice, in which case the court order or other process supersedes any notice obligation Sezzle has undertaken or agreed to under the terms of this Agreement. Sezzle has no obligation to contest or appeal from any such order or process. Sezzle will decide in its sole discretion the appropriate scope of a limitation to assure compliance with a court order or other legal process.

      If you intend to file or file bankruptcy, send all required notices to support@sezzle.com. The notice must be typed (not handwritten), contain your name and account number, and provide information about the bankruptcy court and date of filing. If you do not comply with this notice procedure, we may not be able to correctly update your account to prevent collection notices or calls.

    2. Actions by Sezzle - Account Closure, Termination of Service, Limited Account Access; Confidential Criteria.

      If we close your Account or terminate your use of the Sezzle Services for any reason, we will provide you with notice of our actions. Except as expressly provided otherwise in this Agreement, if we limit access to your Account, including through a Reserve or hold, we will provide you with notice of our actions; we will also provide you with an opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. Further, you acknowledge that Sezzle’s decision to take certain actions, including limiting access to your Account by placing holds or imposing Reserves, may be based on confidential criteria that are essential to our management of risk and the security of Users’ Accounts and the Sezzle system. You agree that Sezzle is under no obligation to disclose the details of its risk management or security procedures to you.

    3. Limitations of Liability.

      IN NO EVENT SHALL WE, OUR PARENT AND AFFILIATES, AND THE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS OF SEZZLE BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, EMOTIONAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA OR LOSS OF BUSINESS) ARISING OUT OF OR RELATING TO OUR WEBSITE, THE SEZZLE SERVICES, PRODUCTS FINANCED BY SEZZLE, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE), UNLESS AND TO THE EXTENT PROHIBITED BY LAW. OUR LIABILITY, AND THE LIABILITY OF OUR PARENT AND AFFILIATES, AND OUR AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT FINANCIAL DAMAGES. IN ADDITION, TO THE EXTENT PERMITTED BY APPLICABLE LAW, SEZZLE, OUR PARENT, AND AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES, AND SUPPLIERS ARE NOT LIABLE, AND YOU AGREE NOT TO HOLD THESE PARTIES RESPONSIBLE, FOR ANY DAMAGES OR LOSSES (INCLUDING, BUT NOT LIMITED TO, LOSS OF MONEY, GOODWILL, OR REPUTATION, PROFITS, OR OTHER EMOTIONAL OR INTANGIBLE LOSSES OR ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES) RESULTING DIRECTLY OR INDIRECTLY FROM: (1) YOUR USE OF OR YOUR INABILITY TO USE SEZZLE’S SITES AND SERVICES; (2) DELAYS OR DISRUPTIONS IN SEZZLE’S SITES AND SERVICES; (3) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING SEZZLE’S SITES OR SERVICES OR ANY SITE OR SERVICE LINKED TO SEZZLE’S SITES OR SERVICES; (4) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY KIND IN SEZZLE’S SITES OR SERVICES OR IN THE INFORMATION AND GRAPHICS OBTAINED FROM THEM; (5) THE CONTENT, ACTIONS, OR INACTIONS OF THIRD PARTIES; (6) A SUSPENSION OR OTHER ACTION TAKEN WITH RESPECT TO YOUR ACCOUNT; (7) YOUR NEED TO MODIFY PRACTICES, CONTENT, OR BEHAVIOR, OR YOUR LOSS OF OR INABILITY TO DO BUSINESS, AS A RESULT OF CHANGES TO THIS USER AGREEMENT OR SEZZLE’S POLICIES. SEZZLE RESERVES THE RIGHT TO MODIFY ITS POLICIES AND THIS USER AGREEMENT AT ANY TIME CONSISTENT WITH THE PROVISIONS OUTLINED HEREIN.

    4. No Warranty.

      THE SEZZLE SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY REPRESENTATION OF WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. SEZZLE, OUR PARENT AND AFFILIATES, AND THE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS OF SEZZLE, OUR PARENT OR OUR AFFILIATES, SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Sezzle does not have any control over the products or services that are paid for with Sezzle and Sezzle Services, and Sezzle cannot ensure that a Merchant you are dealing with will complete the transaction or is authorized to do so. Sezzle does not guarantee continuous, uninterrupted or secure access to any part of the Sezzle Services, and operation of our site may be interfered with by numerous factors outside of our control. Sezzle will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and debit cards are processed in a timely manner but Sezzle makes no representations or warranties regarding the amount of time needed to complete processing because the Sezzle Services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. mail service. Certain Sezzle Services may not be available to you based on residency, geographic location or other eligibility criteria. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. This paragraph gives you specific legal rights, and you may also have other legal rights that vary from state to state.

  13. Leaving Sezzle.

    1. How to Close Your Account.

      You may close your Account at any time by following the instructions in your Account Profile. If you end your Sezzle Up membership, we will continue to furnish information to credit reporting agencies regarding activity and amounts due and owing for up to ninety (90) days after the termination of membership.

    2. Limitations on Closing Your Account.

      You may not close your Account to evade an investigation. If you attempt to close your Account while we are conducting an investigation, we may hold your Account open for up to 180 Days to protect Sezzle, Merchants, its Affiliates, or a third party against the risk of Reversals, fees, fines, penalties and other liability. You will remain liable for all obligations related to your Account even after the Account is closed.

  14. Disputes with Sezzle.

    1. Contact Sezzle First.

      If a dispute arises with Sezzle, our goal is to learn about and address your concerns as soon as possible. Disputes with Sezzle regarding the Sezzle Services may be reported by emailing support@sezzle.com or by calling +1 (888) 540-1867 from 9 AM to 5 PM, Central Time. Also, should you feel any information in your Sezzle Account is incorrect, please contact us immediately.

    2. Applicable Law.

      You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this User Agreement, this User Agreement is entered into by the parties in the State of Minnesota and the laws of the State of Minnesota, without regard to principles of conflict of laws, will govern this User Agreement and any claim or dispute that has arisen or may arise between you and Sezzle. This paragraph does not apply to residents of Montana.

    3. Agreement to Arbitrate and Class Action Waiver.

      You and Sezzle each agree that any and all disputes or claims between you and Sezzle arising from or in any way relating to this Agreement, your Sezzle Account, the Sezzle Services, our website, or your transactions or relationships with Sezzle, including, without limitation, federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. Notwithstanding the choice of law provision above, the Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.

      1. Prohibition of Class and Representative Actions and Non-Individualized Relief.

        YOU AND SEZZLE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION, ARBITRATION OR PROCEEDING. UNLESS BOTH YOU AND SEZZLE AGREE OTHERWISE, THE ARBITRATOR(S) MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING.

      2. Arbitration Procedures.

        Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator(s) can award the same damages and relief on an individual basis that a court can award to an individual. The arbitrator(s) also must follow the terms of this User Agreement as a court would. All issues are for the arbitrator(s) to decide, except that issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate, or the interpretation of subsection (14.3.1) of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”), shall be for a court of competent jurisdiction to decide.

        The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules and procedures, including the AAA's Consumer Arbitration Rules (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules are available at www.adr.org. A party who intends to seek arbitration must first send to the other, by certified mail, a completed form Notice of Dispute (“Notice”). The Notice to Sezzle should be sent to Sezzle, Inc., Attn: Litigation Department, Re: Notice of Dispute, PO Box 24218, Minneapolis, MN 55424. Sezzle will send any Notice to you to the physical address we have on file associated with your Sezzle Account; it is your responsibility to keep your physical address up to date. All information called for in the Notice must be provided including a description of the nature and basis of the claims the party is asserting and the relief sought. If you and Sezzle are unable to resolve the claims described in the Notice within 30 days after the Notice is sent, you or Sezzle may initiate arbitration proceedings. A form for initiating arbitration proceedings is available on the AAA's website at www.adr.org. The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or Sezzle may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and Sezzle subject to the discretion of the arbitrator(s) to require an in-person hearing, if the circumstances warrant. In cases where an in-person hearing is held, you and/or Sezzle may attend by telephone, unless the arbitrator(s) require otherwise. Any settlement offer made by you or Sezzle shall not be disclosed to the arbitrator(s). The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator(s) shall not be bound by rulings in prior arbitrations involving different Sezzle Users, but is/are bound by rulings in prior arbitrations involving the same Sezzle User to the extent required by applicable law. The award of the arbitrator(s) shall be final and binding, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

        1. Intended Beneficiaries of the Arbitration Agreement and Class Action Waiver

          An Intended Beneficiary of the arbitration provision and class action waiver may enforce them in full with respect to any claims between them on the one hand and you on the other arising from or in any way relating to this Agreement, your Sezzle Account, the Sezzle Services, our website, or your transactions or relationships with Sezzle. Intended Beneficiaries are our agents, principals, representatives, directors, officers, shareholders, governors, managers and members. Intended Beneficiaries also are our parents, subsidiaries, affiliates, partners, licensees, attorneys, predecessors, successors, joint venturers, contractors, assigns, designees, Sezzle Merchants, servicers, and service providers. A service provider is any THIRD-PARTY providing us or any Intended Beneficiary any goods or services arising out of or in any way relating to this Agreement or your access or use of the Sezzle Account or Sezzle Services. Intended Beneficiaries include past, present, and future persons listed in this paragraph. The arbitration provision and class action waiver may be enforced by or against any person or entity purporting to bring claims on your behalf, including any agent, representative, executor, guardian, or trustee. The arbitration provision and class action waiver may also be enforced by or against any person or entity who acquires any right or interest that, but for the transfer of the right or interest, would have belonged to us or an Intended Beneficiary of this arbitration agreement.

        2. Costs of Arbitration.

          Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules unless otherwise stated in this Agreement to Arbitrate. At your request, Sezzle will pay as much of the filing, administration, and arbitrator fees as the arbitrator(s) deem necessary to prevent the cost of accessing the arbitration from being prohibitive. In the event the arbitrator(s) determine the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse Sezzle for all fees associated with the arbitration paid by Sezzle on your behalf that you otherwise would be obligated to pay under the AAA's rules. Sezzle will pay your reasonable attorney’s fees if you Prevail on the matter in arbitration. For purposes of this Section, “Prevail” means to be awarded at least 80% of the initial demand.

        3. Severability.

          With the exception of any of the provisions in subsection (14.3.1) of this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief"), if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in subsection (14.3.1) of this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief") is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the User Agreement will continue to apply.

        4. Arbitration Opt-Out Procedure.

          IF YOU ARE A NEW SEZZLE USER, YOU CAN CHOOSE TO REJECT THIS AGREEMENT TO ARBITRATE (“OPT OUT”) BY MAILING US A WRITTEN OPT-OUT NOTICE (“OPT-OUT NOTICE”). THE OPT-OUT NOTICE MUST BE POSTMARKED NO LATER THAN 30 DAYS AFTER THE DATE YOU ACCEPT THE USER AGREEMENT FOR THE FIRST TIME. YOU MUST MAIL THE OPT-OUT NOTICE TO SEZZLE, INC., ATTN: LEGAL DEPARTMENT, PO BOX 24218, MINNEAPOLIS, MN 55424. You must file any opt-out notice with support@sezzle.com. Opt-outs must include the subject line “Opt-Out” and the email body must include your name, address, phone number, and the email address(es) used to log into the Sezzle account(s) to which the opt-out applies. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the User Agreement, including all other provisions of this Section will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us. If you opt out of arbitration, we reserve the right to terminate our relationship with you.

        5. Future Amendments to the Agreement to Arbitrate.

          Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against Sezzle prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by the Agreement to Arbitrate that have arisen or may arise between you and Sezzle. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.sezzle.com at least 30 days before the effective date of the amendments. If you do not agree to these amended terms, you may close your account within the 30 day period, and you will not be bound by the amended terms.

        6. Insolvency Proceedings.

          If any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, Sezzle will be entitled to recover all reasonable costs or expenses (including reasonable attorneys' fees and expenses) incurred in connection with the enforcement of this Agreement.

        7. No Waiver.

          Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

        8. Indemnification.

          You agree to defend, indemnify and hold Sezzle, our parent, Affiliates and the officers, directors, agents, joint venturers, employees and suppliers of Sezzle harmless from any claim or demand (including attorneys’ fees) made or incurred by any third party due to or arising out of your breach of this Agreement, your improper use of the Sezzle Services, and/or your violation of any law or the rights of a third party.

        9. Assumption of Rights.

          If Sezzle pays out a Refund on a Dispute that you file against a Sezzle Merchant, you agree that Sezzle assumes your rights against the Sezzle Merchant and third parties related to the payment, and may pursue those rights directly or on your behalf, in Sezzle's discretion.

        10. Release of Sezzle.

          If you have a dispute with one or more Merchants, you release Sezzle (and our parent, our Affiliates, and our and their respective officers, directors, agents, joint ventures, employees and suppliers) from any and all Claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with your dispute with one or more Merchant. In entering into this release, you expressly waive any protections that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

  15. General Provisions.

    1. Assignment.

      You may not transfer or assign any rights or obligations you have under this Agreement without Sezzle’s prior written consent. Sezzle reserves the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time.

    2. Complete Agreement.

      This Agreement, along with any applicable policies and agreements on the Legal Agreements page on the Sezzle website, sets forth the entire understanding between you and Sezzle with respect to the Sezzle Services. Sections which by their nature should survive will survive the termination of this Agreement, including, but not limited to, Section 14. Unless stated otherwise in this Agreement, if any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck, and the remaining provisions shall be enforced.

  16. State Specific Disclosures

    1. For South Dakota Customers:

      If there are any improprieties in the making of this loan or in any loan practices, please refer to the South Dakota Division of Banking: South Dakota Division of Banking 1601 N. Harrison Ave, Suite 1, Pierre, South Dakota 57501; (605) 773-3421.

    2. For California Customers:

      FOR INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA. This loan is made pursuant to the California Finance Lenders Law, Division 9 (commencing with Section 22000) of the Financial Code, License No. 60DBO-104155.

      A married applicant may apply for a separate account.

    3. For Iowa and Kansas Customers:

      NOTICE TO CONSUMER:

      1. Do not sign this Agreement before you read it.

      2. You are entitled to a copy of this Agreement.

      3. You may prepay the unpaid balance at any time without penalty.

    4. For Rhode Island Customers:

      This is a non-negotiable consumer note.

    5. For Utah Customers:

      This Agreement is the final expression of the agreement between you and us, and it may not be contradicted by evidence of an alleged oral agreement.

    6. For Wisconsin Customers:

      If you are a married Wisconsin resident: (1) You confirm that this loan obligation is being incurred in the interest of your marriage or family. (2) No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless prior to the time that the loan is approved, the creditor is furnished with a copy of the marital property agreement, statement, or decree or has actual knowledge of the adverse provision. (3) You confirm your spouse has actual knowledge that this credit is being extended to you and has waived the requirements of Wisconsin Statute § 766.56(3)(b), you agree to advise us if you have a spouse who needs to receive notification of this extension of credit, and you understand and agree that we may provide a copy of this Agreement to your spouse.

    7. For Iowa / Maine / Missouri / Utah Customers:

      Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you (borrower(s)) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.

    8. For North Dakota customers:

      NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER'S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.

  17. Definitions

    Sezzle Legal Definitions

NOTICE

ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you (borrower(s)) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.