Last Updated:
January 5, 2024
This Artoh Payment Card Addendum (this "Addendum") is incorporated into and made a part of the Artoh Platform Agreement between you ("You" or "Company") and Artoh Inc. ("Artoh") governing your use of Payment Cards. Capitalized terms used herein that are not otherwise defined herein shall have the meaning provided in such Artoh Platform Agreement (the "Platform Agreement"). The Platform Agreement as supplemented by this Addendum governs your use of the Card feature of your Artoh Account. This Addendum supersedes and replaces the prior version.
Cards are issued by the issuer identified on the back of physical Cards issued to you, in the Card Terms, and relevant program materials provided to you ("Issuer"). This Platform Agreement, this Addendum and the Card Terms govern your use of the Cards. You may only use the Cards if you, your Administrators, and your Users consent to the applicable Card Terms. Issuers may update Card Terms at any time by providing Notice to you through Artoh and, notwithstanding any other provision hereof or of the Platform Agreement, your continued use of the Cards after such Notice constitutes your acceptance of the updated Card Terms.
Administrators may request Cards for Users through your Artoh Account but will only request Cards for and provide Cards to individuals (whether or not employees of the Company) who are authorized by the Company. Cards may be denied or canceled due to changes in Issuers' policies, as required by law, or for other reasons we determine are appropriate under the circumstances. Cards may be issued to Users as virtual Cards (i.e., Cards issued without an associated physical card) or physical Cards. Administrators will be able to view transactions and manage their Cards through the Services.
Users may only use Cards for bona fide business-related Charges. You are responsible for selecting who in your organization should have access to Cards. You agree to establish and maintain controls designed to ensure that the Cards are only used for bona fide Company purposes and in compliance with Card Network rules. You are solely responsible for Charges made by any individuals given access to Cards even if they are not the person associated with or named on the Card. Artoh, Issuers, Card Networks, or other intermediary Third-Party Service Providers (including merchant acquirers) may deny or reverse Charges for any reason. Artoh is not responsible for any losses, damages, or other harms caused by Charges that are denied or reversed.
If you have a dispute with a merchant or seller regarding the product or service that is the subject of a Charge, you should contact the merchant or seller to resolve the dispute. If a Charge is not appropriately addressed with the merchant or seller, then you may submit a chargeback of the Charge by contacting Artoh via the Services or using Artoh's support form. You acknowledge that Issuer and Artoh are subject to the Card Network Rules with respect to chargebacks and may not be able to successfully charge back the Charge. If you believe a Charge was unauthorized, or if you believe the Periodic Statement contains any errors, you should contact Artoh immediately through the Services or using Artoh's support form. You must report any disputed Charge or error no more than 60 days after the disputed Charge posted to your Periodic Account. Notices for disputed Charges must specify your details, details about the User, details about the disputed Charge, and an explanation of your belief that the disputed Charge was made in error or was unauthorized. Artoh will review the information submitted in a commercially reasonable manner. To avoid late fees and sustained reduction to Available Spend, you should pay the disputed Charge while Artoh determines the validity of the dispute, except where a provisional credit has been issued. If the dispute is deemed valid, Issuer and Artoh will credit the disputed Charge amount back to your Artoh Account. You hereby assign and transfer to Issuer any rights and claims, excluding tort claims, that you may have against any merchant or seller for any disputed Charge fully or partially credited to your Artoh Account.
You will promptly notify us and take appropriate measures to prevent unauthorized transactions when a Card is lost, stolen, breached, or needs to be replaced. In such cases, Administrators may request the issuance of replacement Cards by Issuers through your Artoh Account. Replacement Cards may have new account numbers that will require you to update the Card on file for any scheduled or recurring payments. If you do not update the Card for scheduled or recurring payments, the transactions may not be completed. You are solely responsible for updating Cards stored with merchants where account numbers have been changed. You will keep your Artoh Account secure and only provide access to individuals that you have authorized. You will immediately disable User access to the Cards if you know or believe your Artoh Account or Cards have or may have been compromised or stolen or have been or may be misused, and you will promptly lock the Card via the Service and notify us of any known or reasonably suspected unauthorized access or use. You are ultimately responsible for financial loss caused by Administrators, Users, or other persons given access to the Services, your Artoh Account, or Cards, except as provided by Card Network rules. We may suspend access to your Artoh Account or Cards if we believe your Artoh Account or Cards have been compromised or that not doing so may pose a risk to you, Artoh, Issuers, or any third parties.
All Charges and associated Fees must be paid in US dollars ("Settlement Currency”). Some international Charges may clear in a currency other than your Settlement Currency and will undergo a currency conversion. For those transactions, we typically include a margin on the exchange rate selected by the Issuer or Card Network. Our margin is a currency conversion Fee paid by you that will not exceed three percent (3%) of the rate applied to the local currency amount. On your Periodic Statement, we will show the local currency amount prior to conversion and the amount you owe in the Settlement Currency. The exchange rate applied to your transactions may vary from time to time or among customers depending on a variety of factors, such as your relationship with us, the terms and policies of the Issuer or Card Network, the local currency, the type of transaction being conducted, the transaction amount, and the date and time of the currency exchange.