Bank Feeds Service - End User Terms

Zoho uses third party service providers to provide bank feeds services to you in Zoho Expense. Your use of bank feeds service is governed by the following terms and conditions to the extent they are applicable.

FIDEL SERVICE:

To the extent that you utilize the card feeds service that is powered by Fidel API (Facility), the following terms and conditions (End User Terms) shall apply.
  1. DEFINITIONS

    • "Eligible Payment Card" means any Visa or MasterCard credit or debit card in Your name, which is eligible to become a Linked Card , as determined by Fidel API and Visa and/or MasterCard from time to time; and, which is specified by You in the Facility as your "Linked Card" at the time of making the purchase. You can refer to this link to know more about the ineligible payment cards.
    • "Linked Card" means an Eligible Payment Card which is linked to the Facility.
    • "Fidel API" facilitates the provisioning of the Transaction Data to Zoho by linking the Payment Card Network(s) with Zoho Expense platform.
    • "On-Us Transaction" means the transaction where the acquiring bank of the merchant and issuing bank of the bank of the Linked Card enrolled by the User to make a transaction are the same entity, and the transaction is settled outside of the Payment Card Network(s).
    • "Payment Card Network(s)" means and includes Visa and Mastercard.
    • "Transaction Data" means the data supplied by a Payment Card Network(s) relating to a transaction and includes the last 4 digits of PAN (Primary Account Number), MCC (Merchant Category Code), authorization code, merchant location, card token, currency, authorization and settlement date and time, and amount paid.
    • "User" means You.
    • "You" and/or "Your" means an individual or a legal entity agreeing to these End User Terms.
  2. In order to enroll the Eligible Payment Card through the Facility, You will be required by Fidel API to provide Your Eligible Payment Card details such as 16 digit PAN (Primary Account Number), expiry date and country of issue ("Card Details").
  3. By enrolling the Eligible Payment Card through the Facility, You authorize Zoho to share Your Card Details with the Payment Card Network(s) so that the Payment Card Network(s) are aware that You are using the Facility through Zoho. You authorize the Payment Card Network(s) to montior Your transactions made using the Linked Card and share the Transaction Data with Fidel API and Zoho(through Fidel API), in order to enable Your usage of real time transaction data for all transactions made on the Linked Card. Further, You authorize Zoho to process the Transaction Data received from Fidel API to provide You the services through the Facility. You may opt-out of the Facility by reaching out to Zoho at support@zohoexpense.com
  4. TRANSACTION DATA

    1. Notwithstanding anything to the contrary in the Terms or Privacy Policy of Zoho, its third party service providers (including Fidel API) will use Transaction Data solely as follows: To create a record of the Transaction Data and thereafter maintain and use data in connection with operating the Platform; To provide information in order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. You authorize the sharing, exchange and use of Transaction Data described above and herein by and among Zoho, its third party service providers and applicable Payment Card Network(s).
    2. Zoho will delete the Transaction Data that it has received from Fidel API, promptly after providing You the services through the Facility.
  5. You acknowledge and agree that the Payment Card Network(s) may not be able to monitor every transaction made using Your Linked Card, including On-Us Transaction (Unsupported Transactions). Such Unsupported Transactions will be determined by the Payment Card Network(s) and/or Fidel API and may be modified from time to time. You can refer to this link to know more about the Unsupported Transactions.
  6. The Card Details that You provide to Fidel API through the Facility and the Transaction Data collected by Fidel API from the Payment Card Network(s) will be processed by Fidel API in accordance with Fidel API's Privacy Policy.
  7. The Facility is provided to You on an “AS-IS” and “AS AVAILABLE” basis. Neither Zoho nor the Payment Card Network(s) makes any warranty that the Facility or any result obtained from the Facility will (i) be accurate; (ii) meet Your requirements; or (iii) uninterrupted, secure, timely or error free.
  8. Neither Zoho nor the Payment Card Network(s) shall be liable for any damages (direct or indirect) that You may suffer in connection with (i) Fidel API's use of Card Details and Transaction Data; or (ii) Your use or inability to use the Facility.
  9. You shall defend, indemnify and hold harmless Zoho, its officers, directors, shareholders, employees, Visa, MasterCard and Fidel API from and against all claims, suits, proceedings, losses, liabilities, and expenses, whether in tort, contract, or otherwise, that arise out of or relate to, including but not limited to attorney’s fees, in whole or in part, arising out of or attributable to Your breach of the End User Terms or any activity by You in relation to the Facility.
  10. Zoho reserves the right to temporarily or permanently disable the Facility without any prior notice.
  11. Zoho may modify the End User Terms or the Facility, from time to time, with or without notice.

PLAID SERVICE:

To the extent that the bank feeds service ("Facility") is provided to you using Plaid, the following terms and conditions shall apply.
  1. You will be required by Plaid to provide your internet banking credentials ("Banking Credentials") in order to use the Facility. Plaid will use the Banking Credentials to access and collect your transaction information such as transaction date, transaction reference number, transaction amount, description of the transaction and balance available in the bank account from the relevant financial institution ("Transaction Data").
  2. Banking Credentials you provide to Plaid and Transaction Data collected by Plaid using the Banking Credentials will be processed by Plaid according to its privacy policy available at https://plaid.com/legal/#end-user-privacy-policy
  3. You authorize Zoho to collect Transaction Data from Plaid and process such Transaction Data collected in order to provide the Facility.
  4. Zoho disclaims any warranty that the Facility or any result obtained from the Facility will (i) be accurate; (ii) meet your requirements; or (iii) uninterrupted, secure, timely or error free.
  5. Zoho shall not be liable for any damages (direct or indirect) that you may suffer in connection with (i) Plaid's use of Banking Credentials and Transaction Data; or (ii) your use or inability to use the Facility.
  6. Zoho reserves the right to temporarily or permanently disable the integration with Plaid without any prior notice.

YODLEE SERVICE:

To the extent that the bank feeds service is provided to you using Yodlee, the following terms and conditions shall apply.

This End User License Agreement ("EULA") describes the terms and conditions under which you may use the Automatic Bank Feeds (“Feeds Service”). This Feeds Service is made available to you by integrating the account aggregation service provided by Envestnet | Yodlee Inc with Zoho Expense. When you request data from a source ("Data Source") for availing the Feeds Service, Yodlee collects that data and provides it to us. Yodlee acts on our behalf in this process, which means we share your data with Yodlee as one of our service providers. For more information on how Yodlee collects, uses, stores, and handles your data please see Envestnet | Yodlee’s FastLink Terms of Service. If you accept this EULA, the then-current version of this EULA along with Yodlee's FastLink Terms shall apply each time you access the Feeds Service.

  1. Provide Accurate Information. You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other websites and you agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
  2. DATA SOURCE CREDENTIALS.
    • YOU PROVIDE LOG-IN CREDENTIALS (“CREDENTIALS”) TO YOUR DATA SOURCE ACCOUNTS AT YOUR OWN RISK.
    • BY USING THE FEED SERVICE YOU AGREE THAT (i) THE DATA SOURCES THAT MAINTAIN YOUR ACCOUNTS, (ii) ZOHO, (iii) YODLEE, AND (iv) ANY THIRD PARTIES THAT INTERACT WITH YOUR CREDENTIALS OR ACCOUNT DATA IN CONNECTION WITH THE FEED SERVICE ARE NOT LIABLE FOR ANY LOSS, THEFT, COMPROMISE, OR MISUSE WHATSOEVER IN CONNECTION WITH THE FEED SERVICE (INCLUDING NEGLIGENCE), EXCEPT TO THE EXTENT SUCH LIABILITY CANNOT BE LIMITED UNDER APPLICABLE LAW.
    • DATA SOURCES MAKE NO WARRANTIES OF ANY KIND RELATED TO THE DATA PROVIDED BY THE FEED SERVICES - WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. EXCEPT FOR PDFs OF OFFICIAL ACCOUNT DOCUMENTS WE RETRIEVE ON YOUR BEHALF AND PROVIDE TO YOU WITHOUT ALTERATION, NO DATA PROVIDED BY THE FEED SERVICES IS AN OFFICIAL RECORD OF ANY OF YOUR ACCOUNTS.
  3. Proprietary Rights. You are permitted to use content delivered to you through the Feeds Service only on the Feeds Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Feeds Service.
  4. Content You Provide. You are licensing to Zoho and its service providers, including Yodlee, Inc. (“Yodlee”), any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to the Feeds Service. Zoho and Yodlee may use, modify, display, distribute and create new material using such Content to provide the Feeds Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Zoho and Yodlee may use the Content for the purposes set out above. Though the Content is stored by Yodlee, Zoho and Yodlee acknowledge that you own your confidential account information.
  5. Third Party Accounts. By using the Feeds Service, you authorize Zoho and Yodlee to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant Zoho and Yodlee a limited power of attorney, and you hereby appoint Zoho and Yodlee as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN ZOHO OR YODLEE ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, ZOHO AND YODLEE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Feeds Service is not endorsed or sponsored by any third party account providers accessible through the Feeds Service.
  6. DISCLAIMER OF WARRANTIES. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THE FEEDS SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE FEEDS SERVICE IS AT YOUR SOLE RISK. THE FEEDS SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ZOHO AND YODLEE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE FEEDS SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE FEEDS SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
  7. ZOHO AND YODLEE MAKE NO WARRANTY THAT
    • THE FEEDS SERVICE WILL MEET YOUR REQUIREMENTS.
    • THE FEEDS SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
    • THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE FEEDS SERVICE WILL BE ACCURATE OR RELIABLE.
    • THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE FEEDS SERVICE WILL MEET YOUR EXPECTATIONS, OR ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
    • ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE FEEDS SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ZOHO OR YODLEE THROUGH OR FROM THE FEEDS SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
  8. LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER ZOHO OR YODLEE NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF ZOHO OR YODLEE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM:
    • THE USE OR THE INABILITY TO USE THE FEEDS SERVICE
    • THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES
    • ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE FEEDS SERVICE
    • UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA.
    • STATEMENTS OR CONDUCT OF ANYONE ON THE FEEDS SERVICE
    • THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR
    • ANY OTHER MATTER RELATING TO THE FEEDS SERVICE.
  9. Indemnification. You agree to protect and fully compensate Zoho and Yodlee and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to reasonable attorneys fees) caused by or arising from your use of the Feeds Service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. You agree that Yodlee is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Yodlee were a party to this Agreement.