Cash TOS

Cash Terms of Service
(Business Accounts Only)

Last Updated: April 25, 2025

1. Acceptance of These Terms

This Business Accounts Terms of Service (this “Agreement”) is a legal agreement between Haven Business Corporation (referred to as “Haven,” “we,” “us,” or “our”) and the business entity opening a commercial account or using our Services (referred to as “Customer,” “you,” or “your”). This Agreement governs your access to and use of the Haven’s business banking platform and related financial services (the “Services”). By applying for an account or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by this Agreement. If you do not agree, you must not use the Services. Please read this Agreement carefully, including the arbitration provision and class action waiver in Section 12, which affects your legal rights.

This Agreement applies to our banking Services and operates in addition to the terms of the Haven Terms & Conditions. If there is an express conflict between this Agreement and the Haven Terms & Conditions, the terms of this Agreement control. Terms defined in the Haven Terms & Conditions and used in this Agreement without definition have the meaning given to them in the Haven Terms & Conditions.

By opening a deposit account with Haven, you also agree to the deposit terms and conditions(the “Deposit Terms and Conditions”) with our partner bank, OMB Bank (the “Partner Bank”). 

Commercial Accounts Only: Please note that this Agreement applies only to business/commercial accounts. We do not offer consumer accounts or accounts for personal, family, or household purposes under this Agreement. If you are an individual seeking personal banking services, do not use our Services – this Agreement does not apply to you.

2. Eligibility and Business Use Only

Eligible Businesses: The Services are available only to lawful business entities organized, registered, and operating in the United States. By entering into this Agreement, you represent and warrant that:

  • Legal Organization in U.S.: You are a corporation, limited liability company, partnership, sole proprietorship, or other legal entity that is duly formed and registered in one of the fifty U.S. states or the District of Columbia (or other U.S. territory, as applicable), and you have a valid Employer Identification Number (EIN) or other taxpayer identification.

  • Authorized Representative: You are acting on behalf of the business in an official capacity. The individual accepting this Agreement (and any individual designated as an authorized user or administrator of the account) is at least 18 years old and has the legal authority to bind the business to this Agreement.

  • Business Purpose Only: You will use the Services solely for bona fide business purposes and not for any personal, family, or household purpose. Using a business account for personal transactions or consumer purposes is expressly prohibited.

  • Compliance with Law: You, your owners, officers, and affiliates are not subject to any sanctions or prohibited by applicable law from using the Services. This means, for example, that neither you nor any of your beneficial owners or controlling persons appears on the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC) list of Specially Designated Nationals or any other government watchlist, and you are not located in a country or region subject to U.S. sanctions. You further represent that your business and its use of the Services will comply with all applicable federal, state, and local laws and regulations.

  • No Prior Termination: You have not previously had a business account or Services terminated by us or by our partner bank for fraud, legal compliance reasons, or violation of terms. (If you have, we reserve the right to decline to offer you Services.)

We may require you to provide documentation or information to prove the above eligibility criteria (for example, formation documents, proof of U.S. registration, identification of owners, etc.). If you do not meet these requirements, or if at any time you cease to meet them, you must stop using the Services. We may immediately suspend or terminate the Services if we determine that you are ineligible or have made any misrepresentation about your eligibility.

3. Services and Relationship to Partner Bank

Non-Bank Technology Platform: Haven is a financial technology provider, not a bank or insured depository institution. We provide an online platform and user interface that enables you to access various financial products and services for your business. However, any banking services (such as holding deposits and providing checking accounts or processing payments) are provided by our Partner Bank, which is a regulated financial institution, and under their Deposit Terms and Conditions. The Partner Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Haven itself does not take deposits, hold customer funds, or provide banking services; those functions are fulfilled by the Partner Bank through our platform.

Available Services: Through our platform, you can open and manage a business deposit account (“Deposit Account”) through an omnibus FBO account with Partner Bank, and utilize related services such as electronic payments (e.g. ACH transfers, wire transfers). 

No Endorsement of Funds or Investments: Unless expressly stated, we do not provide investment, tax, or legal advice, and we are not acting as a fiduciary or advisor in providing the Services. Any tools or information we provide through the platform (like cash management or yield products) are for convenience and you must decide how to use them in the best interest of your business, subject to applicable terms. We do not guarantee any particular financial results or outcomes from your use of the Services.

4. Account Registration and KYB/AML Compliance

To use our Services, you must open an account on our platform (a “Business Account”). When you apply for a Business Account, you agree to provide true, accurate, and current information about your company and related persons as part of the Know Your Business (“KYB”) process. This “Company Information” includes, at a minimum: your legal business name, DBA name (if any), business address (principal place of business), state of incorporation or registration, type of business entity, tax identification number (EIN), and information about your business’s beneficial owners (such as names, dates of birth, email, social security numbers or other IDs, addresses).  

Verification: You authorize us and our partners (including the Partner Bank defined below, and third-party service providers) to collect and verify your Company Information and any personal information of owners or representatives that you provide. This verification may include running identity verifications and other background screening (for example, verifying your business registration status, obtaining reports on principals, or checking against sanction lists) as required by law and our internal compliance policies. You agree to promptly provide any additional information or documentation we request as we perform these checks. We may decline your account application, or later suspend or terminate your Business Account, if any information you provide is inaccurate, fraudulent, or incomplete, or if you or your business are found to violate our compliance standards or eligibility criteria.

Ongoing Compliance & Updates: Our compliance obligations continue even after your account is opened. You agree that we may monitor your account activity and transactions for compliance purposes (for example fraud detection, or suspicious activity). From time to time, we might request additional information or documentation from you to re-verify your business status or the source of funds or to comply with legal requirements. You must keep your Company Information up-to-date – if any of your business details or owners/officers change, you must notify us promptly and provide updated information. Your failure to provide requested information or to update inaccurate information is a breach of this Agreement and can result in suspension of Services or termination of your account.

5. Partner Bank Disclosure; Deposit Terms and Conditions & FDIC Insurance

The banking services provided via our platform are facilitated by our Partner Bank, an FDIC-insured institution. Your funds are not held in a separate, individual deposit account in your name; rather, they are pooled with those of other customers in an omnibus For-Benefit-Of (“FBO”) account maintained by the Partner Bank. We employ an independent ledger provider that records and reconciles all transaction data, helping ensure that all financial activities are accurately tracked, reported, and delineated by customer. While you remain the beneficial owner of your funds, all deposit-related operations—including custody, transaction processing, and regulatory compliance—are handled by the Partner Bank.

Deposit Terms and Conditions: By opening a business account through our platform, you agree to the terms set forth in the Deposit Terms and  Conditions established by the Partner Bank. This agreement governs all aspects of your banking relationship. Please review the Deposit Terms and  Conditions carefully, as it outlines your rights and responsibilities regarding the handling of your funds.

Not FDIC-Insured by Haven: Any funds you deposit through our platform are insured by the FDIC only through the Partner Bank, not by Haven. Haven is a technology provider offering access to the Partner Bank’s services and does not itself hold or insure deposits. If the Partner Bank participates in a deposit sweep or a similar program to extend FDIC coverage, we will provide additional disclosures. You acknowledge that your direct banking relationship is solely with the Partner Bank as set forth in the Deposit Terms and  Conditions.

6. Permitted Uses and Prohibited Activities

Permitted Use of Services: You agree to use the Services and your Business Account only for legitimate and lawful business purposes, in accordance with this Agreement and all applicable laws and regulations. You are responsible for ensuring that your use of the account and any transactions comply with applicable law and this Agreement.

Prohibited Activities: To protect all users and comply with laws, we strictly prohibit the following uses of the Services or the Business Account. You shall NOT use your account or the Services to:

  • Personal or Unapproved Use: Use the business account for personal, consumer, or non-business transactions, or allow your account to be used by any individual for their personal expenses. (All use must be on behalf of the business account holder.)

  • Illegal or Sanctioned Activities: Conduct or facilitate any activity that violates any law, regulation, or government order. This includes, but is not limited to, activities related to money laundering, terrorist financing, fraud, tax evasion, or trading in illegal goods or services. You may not use the Services to engage in transactions with, or for the benefit of, any person or entity that is on a sanctions list (e.g., the OFAC Specially Designated Nationals list) or in any manner that would cause us or the Partner Bank to violate U.S. sanctions or export control laws.

  • Unlicensed Financial Services: Use the account to operate or facilitate a money services business or payment processing for third parties without our approval. For example, you may not use your account as a payment processor for others, to transmit money on behalf of others, or to engage in currency exchange, check cashing, issuing money orders, or other financial services unless you are legally licensed to do so and we have explicitly agreed in writing. Similarly, “third-party payment processing” (accepting or sending funds that are not your business’s own payments, but rather on behalf of another party) is prohibited.

  • Gambling and Illegal Gaming: Conduct any transactions related to unlawful gambling, betting, lottery, or other games of chance that violate applicable law. 

  • Adult or Illicit Services: Use the Services in connection with the sale or facilitation of illegal adult entertainment, prostitution, or pornography; the sale or distribution of controlled substances or illegal drugs (including marijuana in jurisdictions where it is illegal under federal law); or any other illicit products or services.

  • Unlawful Businesses: Use the Services to operate businesses that are unlawful, including but not limited to: pyramid or Ponzi schemes; fraudulent investment schemes; counterfeit goods or unauthorized sales of intellectual property; trafficking in stolen or illegal goods; or any business that by its nature or activity would violate law or promote illegal activity.

  • Violence or Hate: Use the account to support or promote any activities that incite violence, hatred, harassment, or abuse against any individual or group. This includes transactions related to organizations or content that advocate terrorism, hate speech, or discrimination on the basis of legally protected characteristics.

  • Other Unauthorized Uses: Allow your Business Account to be used by any third party who is not an authorized user within your organization; use your account as a “shell” to conceal the identity of the true parties (e.g., opening an account under a name or ownership structure that is not your actual business for the purpose of evading identification); or use any automated means to access or use the platform in a manner that sends excessive requests or attempts to circumvent security measures. You may not resell or offer our Services to third parties as an intermediary without permission.

The above list of prohibited activities is not exhaustive. We reserve the right to decline or halt any transaction or suspend your account if we, in our sole discretion, suspect that your account is being used for any unauthorized or illegal purpose, or any purpose that could harm us, the Partner Bank, or others. Engaging in any of the above prohibited activities constitutes a material breach of this Agreement and may result in immediate account termination (see Section 8) and potential legal action. We may also report any suspicious or unlawful activity to law enforcement or regulatory authorities as required or permitted by law.

7. Account Security and Authorized Use

Account Credentials: You (the business and any authorized representatives) are responsible for maintaining the security and confidentiality of your account login credentials, passwords, and any authentication devices or procedures (such as two-factor authentication) used to access the Services. You must not share your passwords or credentials with any unauthorized person. You agree to notify us immediately at support@tryhaventax.com if you believe your login credentials have been compromised, lost, or stolen, or if you suspect any unauthorized access to your account. We may require you to change credentials or take other steps to secure your account if we suspect a breach.

Authorized Users: You may designate certain employees or agents of your business as authorized users or administrators on your Business Account. You are responsible for all actions taken and instructions provided by any person whom you or your administrators authorize to access or use the account on your behalf. It is your obligation to ensure that only trusted individuals are given access and that they use the Services in compliance with this Agreement. You are liable for any transactions or activity initiated with your credentials or by your authorized users, whether or not specifically authorized by you, until you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.

8. Termination and Suspension

Termination by You: This Agreement is effective when you start using our Services and continues until terminated by either you or Haven, or in accordance with the Deposit Terms and  Conditions or as otherwise set forth in this Agreement. You may close your Business Account and terminate this Agreement at any time by providing written notice to us (or by using any account closure procedure we provide within the platform). Any closure of your Deposit Account will be subject to the terms of the Deposit Terms and  Conditions with the Partner Bank. 

Termination or Suspension by Haven: We may suspend your access to the Services or terminate this Agreement (and close your Business Account) at any time, with or without prior notice, for any of the following reasons: (a) Compliance or Legal Reasons – if we determine you or your account activity violate this Agreement, applicable law, or regulatory requirements (including if you engage in any Prohibited Activities in Section 6, or if required due to sanctions or law enforcement requests); (b) Risk Management – if you pose an unacceptable level of risk, such as by having excessive fraud or suspicious activity, or failing to satisfy our ongoing KYB/AML checks; (c) Breach – if you materially breach any term of this Agreement or the Deposit Terms and  Conditions; (d) Safety or Operational Threat – if your use of the Services could harm our platform, systems, or reputations of us or our Partner Bank; or (e) At Our Discretion – we may also terminate the Services for convenience with reasonable notice (for example, if we decide to discontinue the product or your specific account). We will endeavor to give you notice of termination or suspension when practicable (unless prohibited by law or security reasons). In some cases of suspected fraud or illegal activity, we may be required to suspend or freeze the account immediately without notice.

Effect of Termination: Upon termination of this Agreement for any reason, you must immediately stop using the Services. Any licenses or rights granted to you to use our platform or software end immediately. You remain responsible for any fees, charges, or obligations incurred up to the date of termination. Sections of this Agreement which by their nature should survive termination (including but not limited to provisions on indemnification, limitation of liability, dispute resolution, and any payment obligations) shall survive and remain in effect. If your Business Account is closed, we may cancel any pending transactions or services, and you will need to work with the Partner Bank to withdraw any remaining funds in the Deposit Account. Termination of this Agreement does not automatically terminate the Deposit Terms and  Conditions with the Partner Bank – the terms of that agreement will continue to govern the handling of your deposit account until it is closed and all funds are disbursed.

9. Disclaimers of Warranties

“As-Is” Service: The Services, platform, and all related software and content are provided “AS IS” and “AS AVAILABLE”, without any warranty of any kind, either express or implied. To the maximum extent permitted by law, we disclaim all warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not guarantee that the Services will be uninterrupted, error-free, or completely secure.

No Guarantee of Results: You understand that any financial services or tools we provide are subject to limitations and depend on third parties (such as the Partner Bank’s systems, payment networks, etc.). We make no representation or warranty that use of the Services will meet your requirements or achieve any particular results. For example, we do not promise that funds transfers will always reach the recipient on time. While we will use reasonable care in providing our Services, you assume all risk related to your use of the Services.

Third-Party Services and Content: We are not responsible for acts of omissions of third parties that you interact with through the Services. This includes services provided by the Partner Bank or other partners. For instance, the Partner Bank is solely responsible for the banking products and we make no independent warranties regarding those banking services. Any issues or claims regarding the Deposit Account or banking transactions are generally governed by the Deposit Terms and  Conditions with the Partner Bank. Likewise, if our platform provides links or access to third-party websites or services, we do not endorse or assume any responsibility for those. You use third-party services at your own risk, and any warranties for those services are between you and the third-party provider.

Some jurisdictions may not allow the disclaimer of certain warranties, so some of the above disclaimers may not apply to you to the extent disallowed by law. In such cases, our warranties will be limited to the minimum extent required by applicable law.

10. Limitation of Liability

Limited Liability: To the fullest extent permitted by law, in no event will Haven, its affiliates, officers, directors, employees, agents, or any of its service providers (including the Partner Bank, to the extent Haven is held liable for their acts) be liable to you or any third party for: (a) any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, even if we have been advised of the possibility of such damages; or (b) any amount of money in the aggregate exceeding the fees actually paid by you to us for the Services in the twelve (12) months immediately preceding the event giving rise to the claim. If your jurisdiction does not allow the exclusion of certain damages or a liability cap, then our liability will be limited to the maximum extent permitted by law.

Scope of Limitation: The limitations above apply to all causes of action or theory of liability, whether for breach of contract, tort (including negligence), strict liability, or any other theory. You acknowledge that the Services involve complex banking and technology systems, and that we cannot guarantee they will be flawless or immune from errors, downtime, or breaches. Accordingly, you agree these limitations of liability are a reasonable allocation of risk between the parties.

Liability of Partner Bank: You acknowledge that the Partner Bank is an independent entity and that Haven is not responsible for the obligations or liabilities of the Partner Bank under the Deposit Terms and  Conditions. To the extent a claim or loss arises from the Partner Bank’s actions or failure to act with respect to your Deposit Account, your recourse will be as provided under the Deposit Terms and  Conditions and applicable law against the Partner Bank. Haven’s liability for any issues arising from the banking services is limited as described above and, if Haven is not legally responsible for a given issue, Haven assumes no liability for it.

Essential Terms: The disclaimers and limitations in Sections 9 and 10 are essential terms of this Agreement, forming the basis for our setting the fees (if any) and providing access to the Services. Without such disclaimers and limits, we would not be able to offer the Services. If you are dissatisfied with any aspect of the Services or these terms, your sole and exclusive remedy is to discontinue use of the Services.

11. Indemnification

You agree to indemnify, defend, and hold harmless Haven, our affiliates, directors, employees, agents, and representatives, from and against all losses, liabilities, claims, demands, or expenses, including reasonable attorney’s fees, arising out of or related to any third party claims alleging or involving: (i) your breach or alleged breach of this Agreement or any other agreements with Haven; (ii) acts or omissions of users or other persons associated with your company that violate a contractual or legal obligation owed to Haven or others; or (iii) your actual or alleged infringement of a third party’s intellectual property rights.

We reserve the right to assume the defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with us in asserting any available defenses. Your indemnification obligations shall survive any termination of this Agreement or your use of the Services.

12. Ownership of Intellectual Property

All content, software, designs, logos, trademarks, trade names, and other materials provided through our Services (collectively, the “Intellectual Property”) are and shall remain the exclusive property of Haven and its licensors. By using the Services, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use our platform solely for your internal business purposes and in accordance with this Agreement.

You agree not to:

  • Reproduce, modify, distribute, create derivative works from, publicly display, or otherwise exploit any Intellectual Property without our express prior written consent.

  • Remove or alter any proprietary notices or legends contained in or on the Intellectual Property.

  • Use any trademarks, service marks, or logos displayed on the platform in any manner that suggests a partnership or endorsement by Haven without our explicit permission.

Any unauthorized use of the Intellectual Property may result in the immediate termination of your account and may subject you to legal action. All rights not expressly granted herein are reserved by Haven and its licensors.

13. Dispute Resolution; Arbitration and Class Action Waiver

Please read this section carefully – it affects your rights. By agreeing to these terms, you and Haven agree to resolve all disputes through binding arbitration on an individual basis. You waive any right to have disputes heard in court by a judge or jury, or to participate in class actions.

13.1. Arbitration Agreement

Binding Arbitration: In the event of any dispute, claim, or controversy between you and us arising out of or relating to this Agreement or the Services (a “Claim”), either party may elect to resolve the dispute by binding arbitration, administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules (and, if applicable, the AAA’s Supplementary Procedures for Consumer-Related Disputes, but only if legally required and only to the extent those do not conflict with this Agreement). If either you or we elect arbitration, that Claim shall be resolved by final and binding arbitration and not in court. The Federal Arbitration Act (9 U.S.C. §§ 1-16) governs the interpretation and enforcement of this arbitration agreement and the arbitrability of the Claim. This arbitration provision shall survive termination of this Agreement.

Arbitration Procedure: The arbitration will be conducted by a single neutral arbitrator. It may be held telephonically or via videoconference, or if an in-person hearing is required, it will take place in a location in New York to be mutually agreed upon (or if the parties cannot agree, as determined by the arbitrator or AAA rules). The arbitrator will apply the governing law specified in Section 13. The arbitrator has authority to grant any remedy that would be available in court, except as limited by this Agreement. The arbitrator’s award shall be final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction.

Costs: Each party will be responsible for their own attorneys’ fees and costs in arbitration, but if you are an individual person (not applicable here since only businesses can use our Services) or if applicable law requires, we will pay the reasonable arbitration fees or AAA fees. Otherwise, arbitration fees will be allocated per AAA rules. The arbitrator may award fees and costs to the prevailing party when appropriate under the law.

13.2. Class Action Waiver

No Class Actions: All Claims must be brought in the parties’ individual capacity, and not as a plaintiff or class member in any purported class, collective, representative, or mass action. The arbitrator shall not consolidate more than one party’s claims or preside over any form of a representative or class proceeding. You acknowledge that by agreeing to this Agreement, you and Haven each waive the right to a trial by jury and the right to participate in a class action or similar proceeding.

13.3. Exceptions

Small Claims & Injunctive Relief: Notwithstanding the foregoing arbitration terms, either party may elect to have an individual Claim heard in small claims court if it qualifies for that court’s jurisdictional limits. Also, either party may seek temporary injunctive relief in a court of competent jurisdiction to prevent an imminent harm (for example, to stop misuse of funds, unauthorized access, or infringement of intellectual property) without first engaging in arbitration, but only to the limited extent necessary to preserve rights or prevent immediate harm, pending the outcome of arbitration.

Opt-Out Right: New customers: If you are a new user of the Services, you may opt out of the arbitration and class action waiver provisions by sending written notice of your decision to opt out to support@tryhaventax.com within 30 days of first accepting this Agreement. If you do so, neither you nor Haven can require the other to participate in an arbitration proceeding. (Opting out of arbitration will not affect any other provisions of this Agreement, including the forum selection for any litigation.) If you do not opt out within the 30-day period, you will be deemed to have knowingly and intentionally waived your right to litigate any Claims in court (subject to the exceptions above).

14. Governing Law

Governing Law: This Agreement and any Claim (contractual or non-contractual) arising out of or related to this Agreement or the Services shall be governed by and construed in accordance with the laws of the State of New York, USA, without regard to its conflict of laws principles. The parties acknowledge that this Agreement evidences a transaction in interstate commerce, and notwithstanding any other provisions herein, the Federal Arbitration Act will govern the interpretation and enforcement of the arbitration agreement in Section 12 and any of its provisions.

Jurisdiction for Litigation: Except to the extent that arbitration is required as above, and for purposes of any judicial proceedings to confirm or enforce an arbitration award, or if the arbitration provision is found unenforceable, each party hereby consents to the exclusive jurisdiction of the state and federal courts located in the State of New York to resolve any Claim, and waives any objection to venue or inconvenient forum in such courts. If for any reason a Claim proceeds in court rather than in arbitration, you and we each waive any right to a jury trial to the fullest extent allowed by law.

15. Miscellaneous Provisions

Entire Agreement: This Agreement, together with any other agreements or policies expressly incorporated by reference (such as the Deposit Terms and  Conditions, our Privacy Policy, or any addenda for specific services), constitutes the entire agreement between you and Haven regarding the Services. It supersedes all prior or contemporaneous agreements, understandings, or communications between you and us, whether written or oral, relating to the subject matter hereof. In the event of a conflict between this Agreement and any other terms, this Agreement shall control as to the use of the Haven Services, and the Deposit Terms and  Conditions shall control as to deposit account-specific terms, as noted earlier.

Changes to Terms: We may modify or update this Agreement from time to time. If we make material changes, we will notify you by posting the revised Agreement on our website or through the platform, or by other reasonable electronic means. The “Last Updated” date at the top will indicate the latest revision. Any changes will become effective when posted, unless otherwise indicated. By continuing to use the Services after an updated Agreement has been posted, you are agreeing to the revised terms. If you do not agree to the changes, you must stop using the Services and may close your account as outlined above.

No Assignment: You may not assign or transfer any rights or obligations under this Agreement to anyone else without our prior written consent. Any attempted assignment without consent is null and void. Haven may assign or transfer this Agreement (in whole or in part) to an affiliate or as part of a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, with notice to you. This Agreement will bind and benefit any permitted successors or assigns.

No Waiver: Our failure or delay in enforcing any term or exercising any right under this Agreement shall not constitute a waiver of that term or right. Any waiver of compliance with this Agreement in a particular instance must be in a written notice signed by an authorized representative of Haven. Even if we waive a provision on one occasion, it does not mean it will be waived for any future breach, whether similar or not.

Severability: If any provision of this Agreement is held to be invalid, illegal, or unenforceable by an arbitrator or court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible to reflect the parties’ intent, and the remaining provisions of this Agreement will remain in full force and effect.

Relationship of Parties: Nothing in this Agreement is intended to, nor shall, create any joint venture, partnership, agency, or employment relationship between you and Haven. You and we are independent contractors. You have no authority to bind Haven or the Partner Bank, and neither Haven nor the Partner Bank has authority to make commitments on your behalf.

Contact Information: If you have any questions, concerns, or notices regarding this Agreement or the Services, you can contact us at support@tryhaventax.com. Notices to you may be given by email to the address associated with your account, through the platform, or by written communication sent to your business address on file, at our discretion.

By using the Services, you acknowledge that you have read and understood this Agreement and agree to all of its terms and conditions.

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