Welcome to Kurense (“Company,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of our website(s) (“Website”) and our mobile applications for Android and iOS (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services.

To use the Services, you must:

• Be at least 18 years old,
• Be a resident of the United States, and
• Be an authorized cardholder or account-holder of a prepaid card issued by SouthState Bank, N.A., Member FDIC.

By using the Services, you represent and warrant that you meet all of the above eligibility requirements. Unauthorized use of the Services by individuals who do not meet these criteria is prohibited.

The Services enable users to view and manage prepaid card accounts issued by SouthState Bank. Features may include access to balance information, transaction history, direct deposit instructions, and card management tools.

Your use of prepaid card features is governed by the Cardholder Agreement issued by SouthState Bank. These Terms do not modify or replace the Cardholder Agreement, which you must accept separately in order to use the card services.

To access certain features, you may be required to create an account. You agree to:

• Provide accurate, complete, and current information,
• Maintain the confidentiality of your login credentials,
• Immediately notify us of any unauthorized use of your account.

We reserve the right to suspend or terminate access for any violation of these Terms or suspicion of fraud or misuse.

Your use of the Services is also governed by our Consumer Privacy Policy and Online Privacy Policy, which explains how we collect, use, and protect your personal data. By using the Services, you consent to the practices described in the Privacy Policies.

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including:

• Right to Know: Request information about the categories and specific pieces of personal information we collect, use, disclose, or share.
• Right to Delete: Request deletion of personal information we have collected from you, subject to certain legal exceptions.
• Right to Correct: Request correction of inaccurate personal information we maintain about you.
• Right to Opt-Out of Sale or Sharing: We do not sell or share personal information as defined by the CCPA. If that changes, you will be notified and given the opportunity to opt out.
• Right to Limit Use of Sensitive Personal Information: Request limitations on how we use sensitive data, where applicable.

To exercise your CCPA rights, contact us at:

• Email: support@kurense.com
• Phone: 513-742-9645
• Mailing Address: 1 Sheakley Way, Springdale, OH 45246

We may verify your identity before processing your request. You may designate an authorized agent to act on your behalf. We will not discriminate against you for exercising your rights.

You agree not to:

• Use the Services for unlawful, fraudulent, or abusive purposes,
• Attempt to gain unauthorized access to the Services or other accounts,
• Disrupt or compromise the integrity or security of the Services,
• Reverse engineer, decompile, or otherwise misuse the Services.

We reserve the right to investigate and take legal action for violations of these Terms.

The Services may incorporate or link to third-party platforms, data sources, or financial institutions. We are not responsible for the content, policies, or practices of these third parties and disclaim all liability for their services.

The Services are provided “as is” and “as available,” without warranties of any kind, either express or implied. We do not warrant that the Services will be uninterrupted, error-free, secure, or that information provided through the Services is accurate or complete.

You assume full responsibility for your use of the Services and any reliance on information obtained through the Services.

To the maximum extent permitted by law, Kurense and its affiliates, officers, directors, employees, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use or inability to use the Services.

We may revise these Terms from time to time. When we do, we will update the “Effective Date” above. Your continued use of the Services after any such changes constitutes your acceptance of the revised Terms.

The most current version of the Terms will always be available on our website and accessible within the mobile application.

You may stop using the Services at any time. We reserve the right to suspend or terminate your access to the Services at our discretion, including for violations of these Terms or applicable laws.

These Terms are governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles. You agree that any legal action or proceeding arising under or relating to these Terms shall be brought exclusively in the state or federal courts located in Hamilton County, Ohio, and you hereby submit to the personal jurisdiction of such courts.

All content, features, and functionality included in or made available through the Services—such as the website and mobile applications, including but not limited to text, graphics, logos, icons, images, design, software, source code, and trademarks—are the exclusive property of Kurense, its licensors, or other content providers, and are protected by United States and international intellectual property laws.

You may use the Services only for your personal, lawful, and non-commercial use in accordance with these Terms. You may not:

• Copy, reproduce, distribute, republish, download, display, post, or transmit any part of the Services in any form or by any means without our prior written permission;
• Use our name, logos, product or service names, trademarks, or other branding elements without our prior written consent;
• Create derivative works or attempt to reverse engineer any software provided through the Services.

All rights not expressly granted to you in these Terms are reserved by Kurense and its licensors.

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

Kurense
1 Sheakley Way, Springdale, OH 45246
support@kurense.com
513-742-9645