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Digital Wallet App - Terms and Conditions

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Fragomen Wallet 

Terms of Use 

 

(as of [2025/02/28]) 

PLEASE READ THESE TERMS OF USE (“TERMS”) CAREFULLY BEFORE, DOWNLOADING, INSTALLING, OR CREATING AN ACCOUNT TO USE THE FRAGOMEN WALLET APPLICATION PROVIDED BY TRUSTID SOLUTIONS, LLC (THE “APP”). BY DOWNLOADING OR INSTALLING THE APP OR CREATING AN ACCOUNT, YOU AGREE THAT YOU ARE BOUND BY ALL OF THE TERMS AND CONDITIONS HEREIN, AS MAY BE MODIFIED FROM TIME TO TIME. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, YOU ARE NOT PERMITTED TO DOWNLOAD, INSTALL OR USE THE APP. 

THE APP, AND THE USE THEREOF, IS FOR YOUR CONVENIENCE ONLY, AND IS NOT INTENDED TO REPLACE GOVERNMENT DOCUMENTATION OF ANY KIND. APPLICABLE RULES, REGULATIONS OR LAWS MAY REQUIRE IDENTIFICATION, DOCUMENTATION OR RECORDS OTHER THAN WHAT IS PROVIDED BY THE APP. DO NOT SOLELY RELY ON THE APP OR ASSUME THAT YOUR MOBILE DEVICE OR THE APP ITSELF WILL ALWAYS BE OPERATIONAL. ALWAYS MAINTAIN ALL APPLICABLE IDENTIFICATION, DOCUMENTATION AND RECORDS, AND BE PREPARED TO BE PRODUCE THEM AS NEEDED. IN NO EVENT SHALL TRUSTID SOLUTIONS, LLC OR ANY OF ITS AFFILIATES HAVE ANY LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP OR THE APP NOT BEING ACCEPTED BY A THIRD PARTY. 

SECTION 10 OF THESE TERMS INCLUDES A MANDATORY ARBITRATION AND CLASS-ACTION WAIVER. PLEASE READ IT CAREFULLY. 

IF USE OF THE APP, OR ANY FEATURE OF THE APP, BY YOU WOULD NOT BE LAWFUL IN YOUR JURISDICTION, YOU MAY NOT USE THE APP OR THE RELEVANT FEATURE OF THE APP (AS APPLICABLE). ADDITIONALLY, YOU MUST BE 18 YEARS OLD (OR, IF GREATER, THE AGE OF MAJORITY IN YOUR JURISDICTION) TO USE THE APP. 

These Terms govern the access to and use of the App by you (“User”), an individual, and constitute a binding agreement between You and TrustID Solutions, LLC (“Company”).  

These Terms are subject to Company’s Privacy Policy, available at https://fmn-wallet-app.prod.ffdi.net/pn/pn.html (the “Privacy Policy”). In order to download, install and use the App, you are required to read and accept the Privacy Policy in addition to these Terms. 

 

  1. License Grant. Subject to User’s compliance with these Terms, Company hereby grants to User a limited, revocable, personal, non-sublicensable, non-transferable, non-exclusive and terminable license to install and use the App on a mobile device owned or controlled by User solely (a) for User’s personal use, and (b) in accordance with these Terms.  All rights relating to the App that are not expressly granted in these Terms, whether now existing or which may hereafter come into existence, are reserved by Company and its licensors. User shall not remove, obscure, or alter any proprietary rights notices (including without limitation copyright and trademark notices) which may be affixed to or contained within the App. 

 

  1. Privacy and Data Security. User acknowledges that when User downloads, installs, accesses or uses the App, User is accepting the risks and responsibilities associated with storing identification materials and related personal information (collectively, “Identification”) on a mobile device, including the risk of unauthorized access to the mobile device and/or App, and the risk of having information regarding the Identification transmitted via the internet. Additionally, User acknowledges that allowing someone physical access to User’s mobile device or leaving a mobile device unlocked or unattended creates the opportunity for unauthorized access to the contents of the App. User acknowledges that User must, and User agrees to, exercise reasonable effort and caution to protect User’s Identification in the App, including by: 

 

  1. establishing and maintaining a strong passcode for User’s mobile device and for the App, and never sharing such passcodes with third parties or permitting third parties to use the App on User’s mobile device; 

 

  1. installing all operating system and software updates for mobile platforms and the App in a timely manner; 

 

  1. using the App only when connected to a trusted network; and  

 

  1. ensuring that data and settings on User’s mobile device have been securely erased prior relinquishing physical control of the device (e.g., for sale or trade-in). 

 

User acknowledges that any actual or attempted use of the App from a “rooted”, “jailbroken” or otherwise modified mobile device exposes the App, and User’s Identification, to potential unauthorized access. If Company believes User’s device or account may have been compromised, User’s account may be suspended. User agrees to immediately notify Company of any known or suspected unauthorized access to User’s App account. 

 

  1. User Information from Third Parties. In order to operate certain functionality of the App (e.g., to authenticate User’s Identification), it may be necessary for Company to obtain certain of User’s personal information from third parties, such as Company’s affiliate Fragomen, Del Rey, Bernsen & Loewy LLP (“Fragomen”), User’s employer, or a governmental agency. User hereby authorizes Company to access and use this information as necessary to provide the App’s functionality to User. User understands, agrees, and acknowledges that this authorization is continuous as long as User continues to use the App.  

 

  1. App Store Requirements. 

 

  1. Apple. This section applies if User acquires the App from the Apple App Store or uses on an iOS device. Apple has no obligation to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, User may notify Apple, and Apple may refund the App purchase price to User (if applicable) and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Apple is not responsible for addressing any claims by User or any third party relating to the App or User’s possession and use of it, including, but not limited to: (a) product liability claims; (b) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation. Apple is not responsible for the investigation, defense, settlement, and discharge of any third-party claim that User’s possession and use of the App infringe that third party’s intellectual property rights. Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon User’s acceptance of the Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against User as a third-party beneficiary thereof. User represents and warrants that (i) User is not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; and (ii) User is not listed on any U.S. Government list of prohibited or restricted parties. User must also comply with any applicable third-party terms of service when using the App.  

 

  1. Google. This section applies if User acquires the App from the Google Play Store. The license granted by these Terms is in lieu of any rights that would otherwise be granted by the default terms for applications downloaded from the Google Play Store. 

 

  1. Certain User Obligations and Restrictions. 

 

  1. User agrees to provide Company with accurate, complete, and current account information and to keep this information accurate and up to date. 

 

  1. User is solely responsible and liable for obtaining all necessary rights and permissions to use any data that User provides within the App (including the Identification). By accepting these Terms, User represents and warrants that it has all necessary permissions, rights and authority to provide such data, and shall indemnify, defend and hold harmless Company and its licensors and their parents, subsidiaries, partners, affiliates, successors, and their directors, officers, employees, agents and representatives, from all liability arising from any breach of this representation and warranty.  

 

  1. User shall not directly or indirectly: copy the App; transfer, sublicense, resell, distribute, export, or publicly display the App, or any copy thereof, either in whole or in part, by any means whatsoever, or otherwise make it available for use by others in any sharing, service bureau or similar arrangement; modify, decompile, disassemble, decrypt, extract, reverse-engineer or reverse-compile the App, or otherwise attempt to discover or derive the source code, confidential algorithms or techniques incorporated in the App, or disclose or use any confidential information of Company in any manner; use the App for any illegal purpose, in any manner that is inconsistent with these Terms, or to engage in any illegal activity; use any third-party licensed component of the App separate and apart from the App; prepare derivative works based on the App or any part thereof; or circumvent, disable or otherwise interfere with security-related features in the App. 

 

  1. User may not use the App in any manner which could damage, disable, overburden, or impair Company’s system, services or servers or interfere with any other party’s use and enjoyment of the App or related services. User may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the App. 

 

  1. Intellectual Property. Company reserves, and User hereby acknowledges and agrees to the reservation by Company (and its licensors) of, all ownership right, title and interest in and to the App and the intellectual property rights in and to the App, including all right, title and interest in and to any derivative works, translations or any other modifications thereof.  These Terms and the license granted herein are not a sale of a copy of the App and does not render User the owner of a copy of the App.  Ownership of the App and all components and copies thereof shall at all times remain with Company and its licensors, regardless of who may be deemed the owner of the mobile device in or on which the App is downloaded and installed. The trademarks, service marks, and logos (the “Trademarks”) of Company that are used and displayed in connection with the App are registered and unregistered trademarks or service marks of Company, its licensors or partners. Nothing in these Terms shall be construed as granting, by implication, estoppel, or otherwise, any rights to use any Trademark displayed in connection with the App without the prior written consent of Company for each such use. 

 

  1. DISCLAIMERS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: 

 

  1. COMPANY AND ITS AFFILIATES AND LICENSORS (COLLECTIVELY, THE “COMPANY PARTIES”) MAKE NO WARRANTIES, EXPRESS OR IMPLIED, TO USER ABOUT THE APP OR THE COMPANY PARTIES’ PROVISION OF SERVICES RELATED TO THE APP, INCLUDING BUT NOT LIMITED TO THEIR FUNCTIONALITY, ACCURACY, COMPLETENESS, TIMELINESS, SECURITY, AVAILABILITY OR RELIABILITY. 

 

  1. THE COMPANY PARTIES DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND DO NOT WARRANT THAT THE APP WILL OPERATE ERROR-FREE OR THAT DATA PROVIDED TO THE APP OR THE APP ITSELF WILL BE SECURE. 

 

  1. USER AGREES THAT USE OF THE APP AND THE CONTENT IS AT USER’S OWN RISK AND THAT THE APP AND RELATED CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. 

 

  1. NOTHING CONTAINED ON THE APP SHALL BE CONSTRUED AS PROVIDING CONSULTATION OR ADVICE OF ANY KIND (INCLUDING LEGAL, IMMIGRATION OR EMPLOYMENT CONSULTATION OR ADVICE) TO USER OR ANY OTHER PERSON. 

 

  1. LIMITATION OF LIABILITY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: 

 

  1. THE COMPANY PARTIES ARE NOT LIABLE OR RESPONSIBLE IN ANY WAY FOR ANY LOSSES OR DAMAGES RELATED TO OR ARISING FROM USER’S USE OF THE APP OR ANY OF THE COMPANY PARTIES’ PROVISION OF SERVICES RELATED TO THE APP (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES OR DAMAGES RESULTING FROM DATA BREACH, LOST DATA OR BUSINESS INTERRUPTION).  

 

  1. WITHOUT LIMITATION OF THE FOREGOING, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE AGGREGATE LIABILITY OF THE COMPANY PARTIES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND AFFILIATES IN CONNECTION WITH DAMAGES, LOSSES AND CAUSES OF ACTION RELATED TO THE APP EXCEED USD $100.00. THIS LIABILITY CAP WILL APPLY ONLY WHEN AND TO THE EXTENT THAT APPLICABLE LAW REQUIRES LIABILITY DESPITE THE EXCLUSION AND LIMITATION IN THE FIRST SENTENCE OF THIS SECTION 8. 

 

  1. COMPLIANCE WITH CONSUMER PROTECTION LAWS. DEPENDING ON USER’S LOCATION, USER MAY HAVE CERTAIN RIGHTS UNDER APPLICABLE CONSUMER PROTECTION LAWS. NOTWITHSTANDING ANYTHING HEREIN TO THE CONTRARY, NOTHING IN THESE TERMS IS INTENDED TO LIMIT THOSE RIGHTS, IF THEY APPLY. FOR EXAMPLE, SECTIONS 7 AND 8 HEREOF DO NOT LIMIT THE COMPANY’S LIABILITY TO USER UNDER THE GENERAL DATA PROTECTION REGULATION (REGULATION (EU) 2016/679). 

 

  1. Term and Termination.  Company reserves the right, in its sole discretion, to terminate or suspend User’s access to the App and related services or any portion thereof at any time, for any reason or no reason, upon reasonable notice to you. Additionally, User’s rights under these Terms will terminate automatically without notice, and Company may immediately terminate User’s access to the App, if User fails to comply with any term or condition of these Terms. Upon termination, User shall immediately cease all use of the App, and destroy all copies, full or partial, of the App.  Sections 6-12 of these Terms shall survive the termination. 

 

  1. Disputes.  

 

  1. AGREEMENT TO ARBITRATE. TO THE FULLEST EXTENT PERMITTED BY LAW, USER AND COMPANY AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS OF USE, USER’S USE OF THE APP, OR ANY SERVICES PROVIDED BY THE COMPANY PARTIES (COLLECTIVELY, “DISPUTES”) SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION, RATHER THAN IN COURT, EXCEPT AS EXPRESSLY PROVIDED BELOW. 

 

  1. Arbitration Procedures. The arbitration shall be administered by [American Arbitration Association (AAA) / JAMS / another provider] under its [Consumer Arbitration Rules / Comprehensive Arbitration Rules], as modified by this provision. If the administrator is unavailable, the parties shall select an alternative provider that follows similar procedures. The arbitration shall be conducted in New York, NY or, at User’s option, remotely by phone, video, or other virtual means. The arbitration will be conducted by a single neutral arbitrator. The arbitrator shall have exclusive authority to resolve any disputes relating to the interpretation, applicability, enforceability, or formation of this arbitration provision, including any claim that all or part of this provision is void or voidable. The arbitrator may award any relief that a court of competent jurisdiction could, including monetary damages, injunctive relief, and attorneys’ fees, where applicable. Any decision or award shall be in writing and binding upon both parties. Each party shall bear its own costs, except as otherwise provided in the arbitration rules. 

 

  1. CLASS ACTION AND JURY TRIAL WAIVER. TO THE FULLEST EXTENT PERMITTED BY LAW, USER AND COMPANY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING, AND THAT ALL DISPUTES SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS ONLY, AND NOT ON A CLASS, COLLECTIVE, OR CONSOLIDATED BASIS. 

 

  1. Exceptions. This Section 10 does not apply to claims for injunctive or equitable relief in connection with intellectual property rights or unauthorized access/use of the App. 

 

  1. OPT-OUT RIGHT. USER MAY OPT OUT OF THIS SECTION 10 BY SENDING A WRITTEN NOTICE WITHIN 30 DAYS OF FIRST ACCEPTING THESE TERMS. THE OPT-OUT NOTICE MUST INCLUDE USER’S NAME, ADDRESS, AND EMAIL USED FOR USER’S APP ACCOUNT AND BE SENT TO: [email protected] . OPTING OUT WILL NOT AFFECT ANY OTHER PROVISIONS OF THESE TERMS. 

 

  1. Miscellaneous. To the fullest extent permitted by applicable law: 

 

  1. Governing Law. These Terms are governed by the laws of the State of New York, without respect to its conflict of laws provisions (and specifically excluding the U.N. Convention for the International Sale of Goods). To the maximum extent permitted by applicable law, the parties agree that the provisions of the United Nations Convention on Contracts for the International Sale of Goods, as amended, and of the Uniform Computer Information Transactions Act, as it may have been or hereafter may be in effect in any jurisdiction, shall not apply to these Terms. 

 

  1. Severability. If any provision or portion of a provision of these Terms is found to be invalid by an arbitrator or any court having competent jurisdiction, the invalidity of such provision or portion thereof shall not affect the validity of the remaining provisions of these Terms (or the remainder of the provision, as applicable), which shall remain in full force and effect. 

 

  1. Assignment. User cannot assign, transfer, or sublicense the Terms or any associated rights or obligations hereunder, and any attempt to do so is void. Company may subcontract obligations under these Terms but will remain liable to User for any subcontracted obligations. 

 

  1. Wavier. Failure of Company to act on or enforce any provision of these Terms shall not be construed as a waiver of that provision or any other provision in these Terms. No waiver shall be effective against Company unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. 

 

  1. Merger. These Terms, together with the Privacy Policy, constitute the entire agreement between User and Company with respect to the App, and supersede all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter herein. 

 

  1. Headings. The section headings are provided merely for convenience and shall not be given any legal import. 

 

  1. Updates. Company may revise these Terms at any time upon notice to User. User’s continued use of the App after any notification of the update signifies and confirms User’s acceptance of the Terms as revised. 

 

  1. Language. This official version of these Terms is the English-language version, available at https://fmn-wallet-app.dev.udisp8.di-uisp-accenture.com/tc/tc.html. Any translated version is provided for convenience of reference only. 

 

  1. Successors and Assigns. These Terms will inure to the benefit of Company’s successors and assigns.   

 

Feedback. User may direct any questions, complaints or claims, or other feedback, with respect to the App to Company at [email protected].  Any feedback, comments or ideas provided to the Company will be the property of the Company, and the Company may use it without restriction or compensation.