THIS IS AN AGREEMENT BETWEEN YOU AND LEADER BANK, N.A., AS THE FINANCIAL INSTITUTION THAT HAS ISSUED YOU THE DEBIT CARD TO BE REGISTERED WITHIN THIS APPLICATION ("Leader"), stating the terms and conditions that govern your use of this website application (the "Website") and the services (the "Services") for the issuance of your digital debit card. This agreement, together with all updates, additional terms, software licenses, the Privacy Policy and all of Leader's related rules and policies, collectively constitute the "Agreement" between you and Leader. By using the Website, you are indicating that you agree to the Agreement. If you do not agree to these terms, do not download or use the Website. You must accept and abide by these terms as presented to you -- changes, additions, or deletions are not acceptable, and Leader may refuse access to the Website or the Services for noncompliance with any part of this Agreement.
The alerts and controls you set through use of the Website or the Services may continue to apply even if you delete the Website or remove it from your mobile device. Please contact Leader to discontinue the alerts and controls.
Certain functionality within the Website and the Services may not be available for all transactions. Controls and alerts based on the location of the mobile device where the Website is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the location of actual location of the merchant differs from the merchant's registered address.
Leader may amend this Agreement at any time by posting a revised version here or on a website of Leader. You may be required to affirmatively accept the revised Agreement to continue using the Services or the Website. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the Website or the Services after a notice of change or after the posting of a revised version of this Agreement will constitute your agreement to such changes and revised version. Further, Leader may, from time to time, revise, update, upgrade or enhance the Website, the Service and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Website, the Service, and/or related applications and material, and limit access to only the Website or the Service's more recent revisions, updates, upgrades or enhancements.
This license granted to you to use the Website is non-transferable and non-exclusive. You may only use the Website on an approved computer or mobile device that you own. You may not copy (except as expressly permitted by this Agreement), decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Website, or any updates or parts of updates thereto, except with respect to any open source elements included with this Website. If you breach these restrictions, you may be subject to prosecution and the award of damages. The terms of this Agreement will also govern any upgrades or modifications that replace or supplement the version of the Website you downloaded originally, unless such upgrade is accompanied by a separate agreement, in which case the terms of that agreement will govern.
By using the Website, you acknowledge and accept that the Leader and its third party vendors may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to the Website. Leader may use this information to improve its products or to provide services or technologies to you. You also understand that full use of this Website requires you to have an account with Leader and that personally identifiable information may be collected by Leader in conjunction with your transactions, consistent with federal law and Leader’s Privacy Policy.
The license is effective until terminated by Leader, which it may do at any time, with or without notice. Once this license is terminated, you will no longer be entitled to use the Website, and you shall then cease all use of the Website and destroy any legally made copies or portions thereof, of the Licensed Application.
The Website may enable access to Leader and third parties' services and web sites, including GPS locator websites, such as Google. Use of such services may require Internet access and that you accept additional terms and conditions applicable thereto.
To the extent this Website allows you to access third party services, Leader, and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will Leader be liable for the removal of or disabling of access to any such services. Leader may also impose limits on the use of or access to certain services, in any case and without notice or liability.
THE WEBSITE, THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, LEADER DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE WEBSITE OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW.
Limitation of Liability
YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE WEBSITE AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND LEADER'S REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL LEADER OR ITS AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL LEADER OR ITS AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE WEBSITE, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE WEBSITE OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL LEADER OR ITS AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE WEBSITE, THE SERVICES OR THE WEBSITE THROUGH WHICH THE WEBSITE OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. LEADER'S AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF ITS AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
You agree that you will not use the Website or the Services for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture or production of nuclear, missiles, or chemical or biological weapons.
You may not transfer or assign any rights or obligations you have under this Agreement without Leader's prior written consent, which it may withhold in its sole discretion. Leader reserves the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time to any party. Leader may also assign or delegate certain of its rights and responsibilities under this Agreement to affiliates, independent contractors or other third parties.
If Leader has reason to believe that you have engaged in any of the prohibited or unauthorized activities described in this Agreement or have otherwise breached your obligations under this Agreement, it may: terminate, suspend or limit your access to or use of the Website or the Services; notify law enforcement, regulatory authorities, impacted third parties, and others as it deems appropriate; refuse to provide the Services to you in the future; and/or take legal action against you. In addition, Leader, in its sole discretion, reserves the right to terminate this Agreement, and access to or use of the Services for any reason or no reason and at any time. These remedies are cumulative and are in addition to the other rights and remedies available to Leader under this Agreement, by law or otherwise.
This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to conflicts of laws provisions of Massachusetts or any other state. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. You agree that any claim or dispute you may have against us (other than those which are arbitrated in compliance with this Agreement) must be resolved by a court located in Massachusetts. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all claims or disputes unless said claim is submitted to arbitration under this Agreement.
You shall indemnify and hold harmless Leader and its affiliates and their licensors, contractors, and business partners and their affiliates and the employees and contractors of each of these, from any loss, damage, claim or demand (including attorney's fees) made or incurred by any third party due to or arising out of your breach of this Agreement or your use of the Website or the Services. You hereby release Leader and its affiliates and their licensors, contractors, and business partners, and their affiliates, and the employees and contractors of each of these, from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with any dispute that may arise between you and one or more other users of the Website or the Services.
Leader shall not be deemed to have waived any rights or remedies hereunder unless such waiver is in writing and signed by one of our authorized representatives. No delay or omission on Leader's part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
You agree that this Agreement is the complete and exclusive statement of the agreement between you and Leader with respect to the subject matter covered herein, sets forth the entire understanding between Leader and you with respect to the Website, the Services, and the website through which the Website or the Services are offered, and supersedes any proposal or prior agreement, oral or written, and any other communications between you and Leader. 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. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement. Any terms which by their nature should survive, will survive the termination of this Agreement. If there is a conflict between the terms of this Agreement and something stated by an employee or contractor of ours (including but not limited to its customer care personnel), the terms of this Agreement will prevail.
Notices.
You agree that Leader may provide notices to you by posting it on a website associated with Leader or the Website or the Services, by sending you an in-product message within the Service or through the Website, emailing it to an email address that you have provided previously, mailing it to any postal address that you have provided, or by sending it as a text message to any mobile phone number that you have provided, including but not limited to the mobile phone number that you have listed in your Services setup or customer profile. For example, users of the Service may receive certain notices as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting Leader in writing.
CONTACT US
If you have any questions about this Agreement, please contact Leader by email at clientservices@leaderbank.com or by mail at 180 Massachusetts Avenue, Arlington, MA, 02474.
Last Updated: October 2026
