Gravvy's Program Agreement and Fees

Gravvy program details and fee schedule

If you want to participate in the Gravvy Program and have carefully reviewed this Program Agreement, including THE PRE-DISPUTE ARBITRATION CLAUSE IN SECTION 11.3 AND THE PREAUTHORIZED RECURRING MONTHLY ACH DEBIT IN SECTION 2.1.3 AND SECTION A5.3.1 OF ATTACHMENT A, and the agreements attached to this Program Agreement that apply to the type(s) of Gravvy account(s) and/or product(s) you have chosen (collectively, the “Product Agreements”), then click the button to indicate "I Agree”. Following signup, your continued participation in the Program is your indication that you agree to all of the terms of this Program Agreement.

Debit Card

Monthly Maintenance Fee
$0
Bank Teller Withdrawal Fee
$0
Direct Deposit Fee
$0
Pin & Signature Purchase Fees
$0
Foreign Transaction Fee
$2 of total transaction in USD
ATM Surcharge Fee
$3 (May vary by location)
Card Replacement Fee
$10
ATM Withdrawal Fee - Out of Network
$2.50
ATM Withdrawal Fee - International
$4

Investments

Management Fee
$7.99

Program Agreement Additional Details

BY USING Ripe AFTER INDICATING THAT YOU AGREE TO THIS PROGRAM AGREEMENT, YOU WILL BE LEGALLY BOUND BY THE TERMS AND CONDITIONS OF THIS PROGRAM AGREEMENT AND EACH OF THE PRODUCT AGREEMENTS, AT SUCH TIME THAT YOU ENROLL IN THE APPLICABLE PRODUCT:

(A) if you have chosen an Ripe Invest Account or an Ripe Early Account, the Investment Advisory Agreement with Ripe, and specifically, Ripe Advisers, LLC (the "Advisory Agreement," attached to this Program Agreement as Attachment A);

(B) if you have chosen an Ripe Invest Account or an Ripe Early Account, the Brokerage and Custody Customer Agreement with the Carrying Broker (the "Brokerage Agreement," attached to this Program Agreement as Attachment B);

(C) if you have chosen an Ripe Later Account, the Ripe Later Account Agreement with Ripe and the Carrying Broker (the “Later Account Agreement,” attached to this Program Agreement as Attachment C), which incorporates provisions of the Advisory Agreement and Brokerage Agreement by reference, as described in the Ripe Later Account Agreement;

(D) if you have chosen an Ripe Later/Traditional Account, the Traditional IRA Custodial Account Agreement (the “Later/Traditional Custodial Agreement,” attached to this Program Agreement as Attachment D);

(E) if you have chosen an Ripe Later/Roth Account, the Roth IRA Custodial Account Agreement (the “Later/Roth Custodial Agreement, attached to this Program Agreement as Attachment E); and

(F) if you have chosen an Ripe Checking Account, the Ripe Checking Account Agreement with Ripe Pay, (the “Spending Account Agreement,” attached to this Program Agreement as Attachment G).

The Product Agreements are described further in Section 1.4.

FURTHER BY CLICKING THAT YOU AGREE TO THIS PROGRAM AGREEMENT, YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED AND HAD AN OPPORTUNITY TO REVIEW:

  •   all disclosures Ripe or any of its affiliates or agents has made available to you through the Websites or the Application, including disclosures about debits to be withdrawn from the bank account that is your Funding Source (as defined below) on the Fee Date (as defined below) of each month in the amounts specified in the disclosures;
  •   the Brochure (as defined below); 
  •   if you have chosen an Ripe Later Account (as defined below), the Individual Retirement Account Disclosure Statement (the “IRA Disclosure,” attached to this Program Agreement as Attachment F); and
  • if you have chosen an Ripe Checking Account, the Ripe Checking Account Agreement with Ripe Pay, (the “Spending Account Agreement,” attached to this Program Agreement as Attachment G).

YOU MUST READ AND CONSIDER THE PROGRAM AGREEMENT AND THE APPLICABLE PRODUCT AGREEMENTS LISTED ABOVE CAREFULLY AND CONTACT Ripe TO ASK ANY QUESTIONS YOU MAY HAVE BEFORE ENTERING INTO ANY OF THEM. CLICKING THAT YOU AGREE HAS THE SAME LEGAL EFFECT AS SIGNING A PAPER VERSION OF THE PROGRAM AGREEMENT AND EACH OF THE PRODUCT AGREEMENTS.

YOU ACKNOWLEDGE THAT THESE AGREEMENTS MAY BE AMENDED FROM TIME TO TIME AND THAT THE AMENDED AGREEMENTS WILL BE DELIVERED ELECTRONICALLY BY POSTING ON THE Ripe WEBSITE AND THE APPLICATION. YOU AGREE TO CHECK THE Ripe WEBSITE AND/OR THE APPLICATION FOR NEW VERSIONS OF THESE AGREEMENTS. YOU AGREE THAT YOUR CONTINUED USE OF THE PLATFORM, INCLUDING BUT NOT LIMITED TO KEEPING YOUR Ripe INVEST ACCOUNT, Ripe EARLY ACCOUNT(S), Ripe LATER ACCOUNT, Ripe CHECKING ACCOUNT, OR USING ANY OF THE SERVICES PROVIDED IN THE PROGRAM WITHOUT OBJECTING AFTER Ripe POSTS A NEW VERSION OF ANY OF THE APPLICABLE AGREEMENTS LISTED ABOVE ON THE Ripe WEBSITE, YOU WILL AGREE TO AND ACCEPT ALL TERMS AND CONDITIONS OF ANY AMENDED AGREEMENT, INCLUDING ANY NEW OR CHANGED TERMS OR CONDITIONS.

GENERAL ACCOUNT TERMS

THESE TERMS APPLY TO EVERY Ripe SUBSCRIBER, REGARDLESS OF WHICH, IF ANY, PRODUCTS YOU HAVE OPENED OR SUBSCRIPTION TIER YOU SELECT.

DEFINITIONS

When the following capitalized terms are used above or below in this Program Agreement, the Advisory Agreement, the Brokerage Agreement, the Later Account Agreement, or the Spending Account Agreement, the following definitions apply:

ACH means the Automated Clearing House, a network for, among other things, direct payment by electronic funds transfer.

ACH Operator means a bank or other vendor that Ripe engages from time to time for you to use when you use the Automated Clearing House payment system to transfer money from your Funding Source to the Carrying Broker and to transfer money from the Carrying Broker to your Funding Source.

Ripe means either, or both, Ripe Grow Incorporated and Ripe Advisers, LLC.

Ripe Account means your subscription to the Ripe platform and services. It does not refer to any particular, or set of, investment or checking accounts. 

Ripe Affiliates means all entities under common ownership or control as Ripe.  

Ripe Assist means a promotional pricing tier that may be available to eligible customers who certify they are facing financial hardship.

Ripe Checking means an FDIC-insured individual demand deposit bank account established with Bank that includes an Ripe Debit Card. Application for and use of an Ripe Checking Account is subject to the approval of Bank. For more information on the terms and features of Ripe Checking Accounts, see the Spending Account Agreement (Attachment G). Ripe may refer to your Ripe Checking Account as “Ripe Checking”, “Checking”, “Spend” or “Ripe Spend”.

Ripe Core Account see “Ripe Invest Account” below.

Ripe Debit Cards means a VisaTM debit card used to access an Ripe Checking Account. Ripe Debit Cards are issued by Bank.

Ripe Early Account means a non-retirement custodian account, established under the Uniform Gift Minors Act or Uniform Transfer Minors Act, that the Carrying Broker establishes and carries for you to hold your ETF Shares and Cash and record your transactions. Each Ripe Early Account identifies a beneficiary who will take control of the account at age of transfer determined by the custodian.  In the Application, Ripe may refer to your Ripe Early Account as “Ripe Early” or “Early”.

Ripe Insurance Services means Ripe Insurance Services, LLC.

Ripe Invest Account means a non-retirement brokerage account that the Carrying Broker establishes and carries for you to hold your ETF Shares and Cash and record your transactions. In the Application, Ripe may refer to your Ripe Invest Account as “Ripe Core”, simply “Invest” or “Ripe”.

Ripe Later Account means any individual retirement account that Ripe advises and that the IRA Custodian and Administrator establishes and maintains for you to hold your ETF Shares and Cash and record your transactions. An Ripe Later Account may be an Ripe Later/Traditional Account or an Ripe Later/Roth Account, depending on the recommendation provided to you by Ripe. Ripe may refer to your Ripe Later Account as “Ripe Later” or “Later”.

Ripe Later/Roth Account means any Roth individual retirement account that Ripe advises and that the IRA Custodian and Administrator establishes and maintains for you to hold your ETF Shares and Cash and record your transactions. For more information on Roth individual retirement accounts, see the other Later Agreements and the Roth individual retirement account disclosure section of the IRA Disclosure (Attachment F).

Ripe Later/Traditional Account means any traditional individual retirement account or simplified employee pension individual retirement account that Ripe advises and that the IRA Custodian and Administrator establishes and maintains for you to hold your ETF Shares and Cash and record your transactions. For more information on traditional individual retirement accounts and simplified employee pension individual retirement accounts, see the other Later Agreements and the traditional individual retirement account disclosure section of the IRA Disclosure (Attachment F).

Ripe Pay means Ripe Pay, LLC.

Ripe Spend Account See Ripe Checking. 

Ripe Spend Debit Card see Ripe Debit Card.

 

Ripe Website means www.ripefintech.com, which Ripe operates.

Advisory Charge means the portion of the Subscription Fee payable to Ripe Advisers for the Advisory Services.

Advisory Agreement means the Investment Advisory agreement between Ripe and you, which is attached as Attachment A to this Program Agreement.

Advisory Services means the services Ripe provides you under the Advisory Agreement.

Agreements refers collectively to this Program Agreement and any or all of the Product Agreements that apply to the products you have chosen.

Application means the software and technology that Ripe provides to let you access the Portfolio Advice Application and information about your Ripe Invest Account, Ripe Later Account, and/or Ripe Checking Account using an internet-connected device that is compatible with the Application.

Banking Services means the services Ripe Pay provides to you under this Program Agreement and the Spending Account Agreement.

Brochure means the wrap fee program brochure for the Program that Ripe Advisers files with the SEC on Form ADV Part 2A.

Brokerage Agreement means the Brokerage and Custody Customer Agreement between the Carrying Broker and you, which is attached as Attachment B to this Program Agreement.

Business Day means a day when: (i) the New York Stock Exchange or NASDAQ opens for trading during all or part of that day; and (ii) banks in the United States are generally open for business during all or part of that day.

Carrying Broker means Ripe Securities, LLC.

Carrying Broker Website means www.ripefintech.com.

Cash means the money credited to your Portfolio Account. Cash includes money you send to the Carrying Broker from your Funding Source to buy ETF Shares and money you receive from sales of ETF Shares, or dividends or interest paid by ETFs.

Clearing Agreement means the Omnibus Clearing Agreement between the Carrying Broker and the Clearing Broker.

Clearing Broker means a broker, if any, that the Carrying Broker engages to provide execution, clearance, or settlement services for ETF Transactions or to hold ETF Shares in the Carrying Broker’s name. If the Carrying Broker engages more than one Clearing Broker, Clearing Broker means the broker that provides the applicable services referenced in the context in which the term is used.

Client Information means all information about you, including information about your identity, email address, physical address, location, nationality, citizenship, tax residency, financial situation, investment objectives, Linked Card(s), and Funding Source(s), that you supply Ripe Advisers through the Application or otherwise through the Ripe Website or that you supply the Carrying Broker through the Carrying Broker Website.

Combined Monthly Balance means your combined average Portfolio Account Value for each of your Portfolio Accounts at the end of each Business Day for the 30 calendar days that immediately precede your statement date.

Invest Agreements refers collectively to the following Agreements, to the extent they cover Ripe Invest Accounts: this Program Agreement, the Advisory Agreement, and the Brokerage Agreement.

Covered Brokerage Services means the following services provided by the Carrying Broker pursuant to the Brokerage Agreement: (i) the routing of Orders to the Clearing Broker; (ii) the execution, clearance, and settlement of Purchases and Sales by the Clearing Broker pursuant to the Clearing Agreement; (iii) omnibus custody of ETF shares held by the Clearing Broker in the Carrying Broker’s name pursuant to the Clearing Agreement; and (iv) the carrying and maintenance of your Ripe Invest Account by the Carrying Broker, which includes accounting, recordkeeping, and reporting for activity in your Ripe Invest Account. Covered Brokerage Services does not include preparation or delivery of paper statements or confirmations, if any, that you request.

Deposit means, with respect to your Ripe Invest Account, Ripe Early Account, and/or Ripe Later Account, a transfer of money from your Funding Source to the Carrying Broker and the crediting to your Portfolio Account by the Carrying Broker of the money the Carrying Broker receives. With respect to your Ripe Checking Account (if applicable), deposit means any transfer of money into that account.

Deposit at Will means, with respect to your Ripe Invest Account, Ripe Early Account, and/or Ripe Later Account, a Deposit that you initiate directly through the Application rather than by generating Round-Ups investments with your Linked Card(s).

Early Payday means the feature available only to Ripe Checking Account holders  that may allow for early access to your direct deposit funds before the scheduled payment date. 

Earn Rewards means a kind of Reward Shares that Ripe may, from time to time, purchase for you with money transferred, at no cost to you, into your Ripe Invest Account by Ripe or an affiliate. The money to buy Reward Shares in Earn Rewards promotions does not come from your Funding Source, and you are not required to pay for the purchase of Reward Shares in Earn Rewards promotions. Ripe’s parent company or an affiliate receives the money to fund Earn Rewards from certain promotions, whereby a third party compensates Ripe, or an affiliate, in connection with your purchase of non-investment products or services from the third party (or an affiliate or contractor of the third party). Any Earn Reward is governed by all terms and conditions of the applicable promotion, subject to this Program Agreement, including without limitation all provisions applicable to Reward Shares. To receive Rewards Shares, your Ripe Invest Account must be open and in good standing at the time Ripe initiates the Purchase. If your Ripe Invest Account is not open and in good standing, you forfeit the right to the Reward Shares.

ETF means any of the exchange traded funds included by Ripe in any of the Portfolios.

ETF Shares means the securities that Ripe buys and sells on your behalf through the Carrying Broker and the Clearing Broker and that the Carrying Broker holds in your Ripe Invest Account or Ripe Early Account or the IRA Custodian and Administrator holds in your Ripe Later Account on your behalf.

FDIC means the Federal Deposit Insurance Corporation. Deposits at FDIC insured institutions are insured up to at least $250,000 per depositor, per ownership category. FDIC insurance applies only to accounts held in the United States and its territories and possessions. For details, please refer to the brochure published by the FDIC or visit the FDIC website at www.fdic.gov.

Fee Date means the Business Day each month when the applicable Subscription Fee for that calendar month will be withdrawn from your Funding Source. The Fee Date will be the monthly anniversary of the date your first Ripe account was verified (“Verified Date”). If your Verified Date falls on a day that is not a Business Day in a given month, your Fee Date for that month will be the Business Day immediately prior to your Verified Date. If your Fee Date would fall on a day in the prior month - due to weekends or holidays - your Fee Date will be the first Business Day in the calendar month.

Found Money may at times be used interchangeably with “Earn Rewards”, for a definition, see the definition for “Earn Rewards” above. 

Funding Source means a checking account that you use to send money to and receive money from your Portfolio Account. It is a checking account that will be a source of Deposits and destination of Withdrawals in the Program. Your primary Funding Source is the primary checking account from which ACH payment will be debited to pay your Subscription Fee. You may change your primary Funding Source to your Ripe Checking Account in the Application.  If your Ripe Checking Account is your primary Funding Source, you may also set up a secondary external Funding Source (i.e., a checking account other than an Ripe Checking Account) that may also be a source of Deposits and a destination of Withdrawals for your Ripe Checking Account. If you choose an Ripe Checking Account, that account will be your default secondary Funding Source unless you change your Ripe Checking Account to your primary Funding Source in the Application. If you have an Ripe Checking Account, your Subscription Fee may be debited from such account if we are unable, for any reason, to debit your Subscription Fee from your primary Funding Source. At no point may you have more than one external account (i.e., a checking account other than an Ripe Checking Account) as a Funding Source.

Indemnified Persons means affiliates, officers, directors, employees, representatives, successors, assigns, and authorized agents of Ripe, the Carrying Broker, and/or Ripe Pay.

IRA Disclosure means the Individual Retirement Account Disclosure, which is Attachment F to this Program Agreement and applies to Ripe Later Accounts (including traditional individual retirement accounts, simplified employee pension individual retirement accounts, and Roth individual retirement accounts).

IRA Custodian and Administrator means Forge Trust (f/k/a IRA Services Trust Company).

Later Account Agreement means the Ripe Later Account Agreement between Ripe, the Carrying Broker and you, which is attached as Attachment C to this Program Agreement.

Later/Roth Custodial Agreement means the Roth IRA Custodial Account Agreement between you and the IRA Custodian and Administrator, which is attached as Attachment E to this Program Agreement.

Later/Traditional Custodial Agreement means the Traditional IRA Custodial Account Agreement between you and the IRA Custodian and Administrator, which is attached as Attachment D to this Program Agreement.

Later Agreements refers collectively to: the Later Account Agreement; to the extent it covers Ripe Later Accounts, this Program Agreement; to the extent they are incorporated by reference into the Later Account Agreement, the Advisory Agreement, and the Brokerage Agreement; and, if you have an Ripe Later/Traditional Account (including any traditional individual retirement account and any simplified employee pension plan individual retirement account advised by Ripe), the Later/Traditional Custodial Agreement and/or, if you have an Ripe Later/Roth Account, the Later/Roth Custodial Agreement.

Bank means Bank, a bank chartered under the laws of Iowa. Bank is the bank with which all Ripe Checking Accounts may be opened. Bank also issues all Ripe Debit Cards.

Bank Agreements means the following agreements and/or disclosures between you and Bank: (i) e-signature and electronic disclosures agreement; (ii) truth in savings disclosure; (iii) terms and conditions with Bank; (iv) electronic funds transfer disclosure; (v) funds availability disclosure; and (vi) privacy policy of Bank, each of which are available in the Application. The Bank Agreements are separate from this Program Agreement, and you must separately agree to each of them at the time you apply for an Ripe Checking Account.

Linked Card(s) means the account(s) you use for the purchases of goods or services that generate Round-Ups investments. If you choose an Ripe Checking Account, the Ripe Debit Card accompanying that account will be a Linked Card.

Local Found Money means a kind of Reward Shares formerly offered to Ripe customers. 

Monthly Invest Balance means the average daily balance of an Ripe Invest Account for the applicable month.

Order means an order that Ripe places to buy or sell ETFs through the Carrying Broker and includes an order to buy or sell ETF Shares for a Purchase or Sale in your Portfolio Account.

Pending Round-Ups means a Round-Ups investment that has been designated for investment in an Ripe Invest Account but not yet been transferred from your Funding Source to the Carrying Broker to make a Deposit. When and if Ripe offers Round-Ups investments for Ripe Later Accounts, the term Pending Round-Ups will apply also to your Ripe Later Account if you choose to designate all or a portion of your Round-Ups investments for investment in your Ripe Later Account.

Platform means any websites, or products, services and/or mobile applications owned or operated by Ripe.

Portfolio Account means an Ripe Invest Account if you have an Ripe Invest Account, an Ripe Later Account if you participate in an Ripe Later Account, an Ripe Early Account if you participate in an Ripe Early Account, or any of your accounts if you have a combination of an Ripe Invest Account, Ripe Later Account(s) and/or Ripe Early Account(s).

Portfolio Account Value means the aggregate market value at any point of the assets in any one of your Portfolio Accounts.

Portfolios means the model portfolios that Ripe has developed for its clients to invest in Portfolio Accounts through the Program.

Portfolio Advice Application means the computer software-based online application developed by Ripe to analyze certain Client Information about you and recommend a Suggested Portfolio for you. The Portfolio Advice Application is a feature and part of the functionality of the Application.

Privacy Policy means collectively (i) the Privacy Policy of Ripe, the Carrying Broker, Ripe Pay, and their affiliates, which is available from time to time on the Ripe Website and the Carrying Broker Website, and (ii) the Privacy Policy available through the Application.

Program means each of (i) the subscription, and (ii) wrap (advisory) fee program provided for in this Program Agreement and the Product Agreements, as applicable.

Program Agreement means this Ripe Program Client Agreement between Ripe, the Carrying Broker, Ripe Pay, and you.

Program Charge means the fee for the overall account services including educational content and access to the Ripe financial wellness system, which is included in the Subscription Fee.

Purchase means a purchase of ETF Shares into your Portfolio Account.

Real Time Round-Ups means a Round-Ups investment that you designate to be invested  in an Ripe Invest Account and that equals the difference between the settled amount of a purchase of goods or services using your Ripe Debit Card and the lowest whole dollar amount that is greater than the amount of the purchase. Real Time Round-Ups investments will be transferred from your Ripe Checking Account to the Carrying Broker to make a Deposit.

Real-Time Round-Ups Deposit means a Deposit initiated automatically in accordance with your standing instructions with respect to Real Time Round-Ups. Your Real Time Round-Ups Deposits will be processed on an ongoing basis. Real Time Round-Ups Deposits will be transferred from your Ripe Checking Account to the Carrying Broker.

Rebalancing means a combination of Purchases and/or Sales ordered by Ripe on your behalf and designed by Ripe, in its sole discretion, to keep the proportions of ETFs in your Portfolio Account within specified ranges of the corresponding proportions of ETFs in your Selected Portfolio.

Reinvestment means a combination of Purchases by Ripe on your behalf using Cash from dividends paid by ETFs.

Restriction means an ETF that you choose, subject to the terms and conditions of the Advisory Agreement, not to buy or hold in your Portfolio Account.

Retention Period means the amount of time you are required under the terms of the promotion through which you received such Reward Shares into your Ripe Invest Account to retain any Reward Shares unless you make a Deposit of an amount greater than or equal to the current value of such Reward Shares.

Reward Shares means ETF Shares bought in a Purchase in your Ripe Invest Account funded by Ripe or the Carrying Broker, or the parent or any affiliate of the Carrying Broker, as part of a promotion and not funded by a Deposit. Reward Shares promotions do not apply to Ripe Later Accounts or Ripe Early Accounts. To receive Rewards Shares, your Ripe Invest Account must be open and in good standing at the time Ripe initiates the Purchase. If your Ripe Invest Account is not open and in good standing, you forfeit the right to the Reward Shares.

Round-Ups means an amount of money that you designate for investment in an Ripe Invest Account and that equals the difference between the amount of a purchase of goods or services using your Linked Card(s) and the lowest whole dollar amount that is greater than the amount of the purchase. Round-Ups investments will be transferred from your Funding Source – not from your Linked Card(s) – to the Carrying Broker to make a Deposit. When and if Ripe offers a similar feature for Ripe Later Accounts or Ripe Early Accounts the term Round-Ups will apply also to your Ripe Later Account or Ripe Early Account(s) if you choose to designate your Round-Ups or a portion of your Round-Ups for investment in your Ripe Later Account or Ripe Early Account(s).

Round-Ups Deposit means a Deposit initiated automatically in accordance with your standing instructions with respect to Round-Ups investments. If your Funding Source is an external account, your Round-Up Deposits will be processed when your Pending Round-Ups investments reach or exceed $5. If your Funding Source is an Ripe Checking Account, your Round-Ups Deposits will be processed on an ongoing basis. Round-Ups Deposits will be transferred from your Funding Source – not from your Linked Card(s) unless that Linked Card is also a debit card for your Funding Source – to the Carrying Broker.

Sale means a sale of ETF Shares from your Portfolio Account.

SEC means the U.S. Securities and Exchange Commission.

Selected Portfolio means the Portfolio that you select (taking into account any Restrictions you impose subject to the terms and conditions of the Advisory Agreement) to approximate in your Portfolio Account.

Smart Deposit means the optional feature available to Ripe Checking Accountholders to have preset percentages of a direct deposit paycheck allocated between your Ripe accounts.

Spending Account Agreement means the Ripe Checking Account Agreement between you and Ripe Pay, which is attached as Attachment G to this Program Agreement.

Subscription Fee means the fee fully described in Section 2.

Suggested Portfolio means the Portfolio Ripe recommends for your Portfolio Account(s), excluding Ripe Early Accounts(s), based on certain Client Information you supply Ripe.

Tax Form means a statement that the Carrying Broker and/or IRA Custodian and Administrator are required to provide you in a form specified by the Internal Revenue Service for tax reporting purposes. Examples include statements on Form 1099-DIV, Form 1099-B, and Form 1099-MISC.

Terms of Use means any written terms or conditions that Ripe, the Carrying Broker, or the parent company of Ripe requires you to abide by when using the Application, the Portfolio Advice Application, and the Websites. The Terms of Use include any written terms or conditions that Ripe, the Carrying Broker, or the parent company of Ripe requires you to agree to before loading the Application or before accessing either of the Websites.

Disclaimer: *Ripe, in all reality, will not be collecting any money or providing any financial services. Ripe is not a real company, product or service but is a marketing experimentation tool to test different types of advertising and content strategies within the fintech market. This section nullifies the entirety of this legal document. None of the listed corporate entities in this document are real, none of the listed regulatory licenses or claims are real. No claim whatsoever made in the entirety of this document constitutes a real legal document and nothing listed can be considered to have any legal power.*

Withdrawal means a transfer to your Funding Source of Cash disbursed from your Portfolio Account pursuant to a Withdrawal Request. With respect to your Ripe Checking Account (if applicable), withdrawal means any transfer of money from that account.

Withdrawal Request means a communication you send Ripe through the Ripe Website or mobile Application requesting that Ripe place Orders for Sales and instruct the Carrying Broker to disburse the proceeds of the Sales to fund a Withdrawal in the requested amount.

 

 

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