Last updated August 23, 2023
This website (the “Site”) is operated by Guroo Inc. The terms “Guroo”, “we”, “us” and “our” refer to Guroo, LLC. By using any of the Site, the Guroo software used to operate the Site platform (the “Software”) and using the services provided on the Site (the “Services”) you agree to be bound by the following terms and conditions (including our Privacy Policy) (collectively, the “Terms of Service” or “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE ACCESSING OR USING OUR SITE. By accessing or using any part of the Site, you agree to be bound by these Terms of Service. If you do not agree to all the Terms, then you are not authorized or licensed to use the Services. If these Terms are considered an offer, acceptance is expressly limited to these Terms of Service. These Terms are a legal agreement among Guroo, you and any person or organization for which you act.
Any new features or tools which are added to the Site shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
The Services allow you to view and track your bills with service providers located within the continental United States (“Billers”). Through the Services, you can link your bank, credit card, debit card and other acceptable bill payment methods; review and track your bills; and facilitate your bill payments to Billers in the amounts and on the days you choose to schedule payments (the “Use”). The Services will process your payments for Biller bills per your designated Payment Method (as defined below) payment instructions for a Biller, and your Payment Method provider will deduct the amount of the payment to the Biller from your Payment method. You are solely responsible for all fees associated with your method of payment, including ACH fees and fees charged by your Payment Method provider.
In order to use the Services, you acknowledge and agree that: (i) you area least 18 years of age; (ii) able to form a legally binding contract under applicable law; (iii) you are authorized to access and use the Payment Method(s); (iv) you are a citizen or permanent resident of, or are lawfully permitted to reside in, the United States: (v) you have a lawful account with each Biller and Payment Method provider; (vi) the information provided by you to Guroo is true, accurate, complete and current; and (vii) you have the right to authorize the transactions described in these Terms. In order to sign up for the Services you must create a profile account (“Guroo Account”), including creating log-in credentials by providing certain types of information, including, but not limited to, your name, email address, address of residence, telephone number, and a secure password. You acknowledge and agree that Guroo is relying on these statements being true in order to provide you the Services.
You must provide current and accurate payment information for each Biller and Payment Method(s). You are solely responsible for verifying the accuracy of the foregoing information when setting up your Guroo Account with us and when scheduling payments, and we will have no liability for losses or damages caused by your actions or failure to act. The ability for us to affect electronic payments to Billers will depend on the Biller’s willingness to provide us and their bank accounts with its banking details.
We may also request additional information to verify your identity. You acknowledge and agree that your failure to provide satisfactory information upon request may result in limitations being placed on your Guroo Account, which may include complete restriction from access and use of the Services. You agree to update your information if there is a change to any such information. Successful registration provides you access to the Services but does not make any warranties about the extent of your access or privileges. We reserve the right to impose limitations on the size, frequency and time frame of payments submitted.
You authorize us, directly or through third parties, to make any inquiries we consider necessary to verify your identity. This may include asking you for further information, including requiring you to take steps to verify ownership of your email address or other PIA (as defined below), financial institutions and/or accounts, or other information associated with your Payment Method(s). If Guroo is unable to verify your identity, we reserve the right to deny you use of the Services or to limit your use of your Payment Method(s) in relating to the Services or the Use. A temporary, small authorization charge may appear on your bank statement. You hereby authorize Guroo to credit your Payment Method with small deposit amounts to verify its validity, which you will be required to enter once prompted through the Services.
If you authorize a third party to manage your Guroo Account, Billers and the Services, you acknowledge it is your responsibility to ensure they maintain the confidentiality of such information and agree to promptly deactivate the authorized third party user in the event you terminate their rights to access the Services.
In order to prevent fraud and comply with legal obligations, Guroo may ask you for additional information and may place your payment or Payment Method on hold for review. We will notify you in the event of any such circumstances. If you do not participate or cooperate with us in our review process, your payment may be delayed, cancelled or declined. In our sole and absolute discretion, we reserve the right to limit or refuse your use of a Payment Method for any reason, including, without limitation, declining payments or denying your use of the Services.
MyAccount payment capabilities are facilitated by Guroo Solutions and Dwolla, Inc. In order to use the payment functionality of the MyAccount application, you must open a "Dwolla Account" provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy.
Any funds held in or transferred through your Dwolla Account are held or transferred by Dwolla's financial institution partners. You must be at least 18 years old to create a Dwolla Account. You authorize Guroo to collect and share with Dwolla your personal information including full name, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla Account through the MyAccount application, and that Dwolla account notifications will be sent by Guroo, not Dwolla. Guroo will also provide customer support for your Dwolla Account activity, and can be reached via our website (www.GurooSolutions.com) or via email (AskGuroo@GurooSolutions.com).
Guroo uses Arcus Financial Intelligence, Inc. (“Arcus”), a software provider, to link Guroo’s services to external providers using credentials that you, the end user, provide. Use of Client’s services constitutes your consent to authorize Guroo and Arcus to access external providers, using the information you provide, to retrieve, process, and store information held by such external providers. You grant Guroo and Arcus a limited power of attorney, and you hereby appoint Guroo your lawful attorney-in-fact, in all capacities, to use any information you provide in performing the above. You agree that Arcus may use anonymized and non-personally identifiable information obtained from such external providers for quality assurance, fraud prevention, statistical, and other purposes.
Funds to your Billers do not pass into our legal ownership at any time payment initiation to successful delivery, including any subsequent refunds. We use a third-party bank or other services provider for benefits of payments you make using the Services, and have the right to instruct the third-party provider on the use of funds in the account, including to receive funds from you and to then send funds to your Biller based on your payment instructions.
The Services are initially offered for free. In the future, we may make the Services available via monthly subscriptions for a fee. If you subscribe to the Services, you will be required to select your desired subscription level. We reserve the right to change our fee structure at any time, except for the subscription fees applicable to any then-current fee-bearing subscription period. We also reserve the right to initiate special incentive pricing, membership and other programs, which may limited, at our sole discretion, to defied and limited existing users or new users. You authorize Guroo or its third-party payment service to process your credit card information to make the payments. By submitting your credit card information, you grant Guroo the right to store and process your information directly or via its third-party payment processing services provider, which may change from time-to-time. You agree that Guroo will not be responsible for any failures of the third party to adequately protect such information.
BY PURCHASING ANY SUBSCRIPTION, YOU ACKNOWLEDGE THAT YOUR SUBSCRIPTION HAS AN INITIAL AND RECURRING PAYMENT FEATURE AND YOU ACCEPT RESPONSIBILITY FOR ALL RECURRING CHARGES PRIOR TO CANCELLATION. YOUR SUBSCRIPTION WILL BE AUTOMATICALLY EXTENDED FOR SUCCESSIVE PERIODS, AT THE THEN-CURRENT SUBSCRIPTION RATE.
IF YOU HAVE COMMITTED TO A SUBSCRIPTION PLAN, IF ANY, LASTING LONGER THAN ONE MONTH (I.E., 6 OR 12 MONTH PLANS), YOU WILL AUTOMATICALLY BE CHARGED EACH MONTH DURING THAT SUBSCRIPTION PERIOD, EVEN IF YOU HAVE CANCELLED YOUR SUBSCRIPTION PRIOR TO THE END OF THAT SUBSCRIPTION PERIOD. FURTHER, YOUR SUBSCRIPTION TO SUCH SERVICE WILL CONTINUE UNTIL YOU CANCEL AND, IF YOU CANCEL YOUR MEMBERSHIP BEFORE THE END OF AN EXISTING SUBSCRIPTION PERIOD, YOU WILL BE CHARGED FOR THE REMAINDER OF THAT SUBSCRIPTION PERIOD. To cancel, you must login and cancel the subscription on the Site by the first day of the month following the end of your then-current subscription period, or contact our customer support team at AskGuroo@GurooSolutions.com or through the contact information on our Site.
YOUR SUBSCRIPTION WILL CONTINUE UNTIL YOU CANCEL AND, IF YOU DO NOT CANCEL YOUR SUBSCRIPTION AT LEAST 48 HOURS TO THE END OF A SUBSCRIPTION PERIOD, YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW FOR A NEW SUBSCRIPTION PERIOD OF THE SAME AMOUNT OF TIME. All cancellation requests received after the first day of the calendar month following a subscription period will apply to the following subscription period. We may refuse to renew any subscription in our sole discretion.
IF YOU CANCEL YOUR SUBSCRIPTION, ANY PAYMENTS SCHEDULED FOR FUTURE PAYMENTS AFTER THE CANCELLATION EFFECTIVE DATE WILL BE CANCELLED AND WILL NOT BE PAID. IF YOU CANCEL YOUR SUBSCRIPTION, YOU WILL NOT BE ELIGIBLE FOR A PRORATED REFUND OF ANY PORTION OF THE SUBSCRIPTION FEE PAID FOR THE THEN-CURRENT SUBSCRIPTION PERIOD. WE RESERVE THE RIGHT TO REVOKE YOUR SUBSCRIPTION AT ANY TIME.
The Services apply only to Payment Methods maintained by you with financial institutions in the continental United States. You may set up your payments to Billers to be paid using your bank or financial institution account, credit or debit card, or payment networks as offered by us at the time, including Paypal, Venmo, Zelle and other payment platforms accepted by us (each, a “Payment Method”).
Once you have created a Guroo Account, you can add additional Payment Method(s). When you add a Payment Method to your Guroo Account, you agree you have the authority to disclose the Payment Method information and to bind the person or organization for which you are acting, and you authorize the initiation of debit or credit entries, as applicable, to the payment methods in accordance with instructions inputted through the Services.
By using the Services, you authorize us, directly or through third parties, to act as your agent to perform the bill tracking and payment services described above and throughout these Terms relating to your Billers and Payment Method(s), including accessing your applicable Payment Method information and transmitting that data to Billers. You are solely responsible for complying with any terms set by your bank, credit union, credit card or other financial institution with respect to your Payment Method, including any terms relating to transaction limitations or fees, such as those pertaining to non-sufficient funds or overdrafts.
Where you choose to pay a Biller using a bank account as your Payment Method, you authorize us to debit your banking details via the Automated Clearing House (“ACH”) system while this authorization remains in effect. If you choose the ACH Payment Method, a verification process may include debiting a small amount from your bank account(s) and you verifying the amount debited to confirm your bank account(s). You also authorize us or your Payment Method to debit your payment and remit funds in accordance with your payment instructions through the ACH. You also give us and/or your Payment Methods the right to resubmit any ACH debit that is returned for insufficient or uncollected funds, or any other reason.
For recurring scheduled ACH payments, you understand that we will automatically debit each scheduled payment and that sufficient funds for each transaction must be in your bank account(s). If sufficient funds are not in the bank account(s), you may be charged a fee. For recurring scheduled payments, if the debit date falls on a weekend or a holiday, your debit date will be automatically deducted from your bank account the following business day. You represent that you have authority to bind the organization that owns the bank account(s) and to authorize all transactions to the bank accounts that are initiated through the Services. All transactions made using bank account(s) are subject to the provisions of U.S. law.
Guroo reserves the right to void, cancel or expire any ACH payment if the payment is not deposited or otherwise received and processed by a Biller within a reasonable amount of time, as determined in our sole discretion. In the event we void, cancel or expire a payment, you authorize and we will credit the amount of the payment back to the original bank account, less any fees or other amounts owed by you to Guroo. You agree to bear all responsibility to pay all penalties, interest charges, late payment fees, service fees and/or interest related to the rejected or returned funding ACH debit and agree to reimburse us for all penalties and fees incurred if any funding ACH debit is returned because your ACH Payment Method was not properly configured correctly.
We assume no responsibility and will have no liability for any consequences resulting from your interactions or contracts with Billers or Payment Method providers, including, but not limited to, payments terms and any associated disputes. We in no way endorse, recommend or bear any responsibility or liability for any products, services or statements presented by your Billers or Payment Method providers, and their statements and opinions are not representative of Guroo or our business partners.
You are solely responsible for complying with any terms set by your bank, credit union, or financial institution with respect to your Payment Method, including any terms relating to transaction limitations or fees, such as those pertaining to non-sufficient funds or overdrafts. If you are entitled to a reversal, refund, or other adjustment associated with a payment you made using the Services, you also authorize the crediting of your Payment Method to complete that transaction. You agree not to hold Guroo liable for any consequences resulting from Payment Method providers, including, without limitation, cash advance fees, impacted reward program earnings or altered credit programs and interest rate terms.
In the event a Biller employs the use of a “CAPTCHA” or similar technology on its website during the login process, you further authorize the Services (or any third-party technology therein) to decode such “CAPTCHA” or similar technology as your limited agent on your behalf. After linking or adding a Payment Method through the Services, the Service will submit information, including usernames and passwords that you provide, to log into the Biller’s website. You authorize Guroo as your limited agent to use and store information associated with your Payment Method in order to provide the Service, including by ensuring the Services are compatible with the applicable Biller website.
You can submit payments to Billers for immediate or future processing via the Services. Please note that payments made to Billers using the Services require sufficient time for your Biller to receive your payment and credit your account accordingly. You are solely responsible for selecting your date of payment (“Payment Processing Date”). If you select a future Payment Processing Date, the Payment Method you select at the time of scheduling the payment will remain valid through the Payment Processing Date.
In order to submit a payment, you will be required to specify at least the following: (a) Biller name (name, contact information and remittance address); (b) Payment Method; (c) payment amount; and (d) invoice.
It is your responsibility to ensure that all of the payment details are accurate and complete before you initiate a bill payment. Failure to provide accurate and complete information may result in errors in your requested payments to Billers, and you may not be able to recover a payment sent to an incorrect account or recipient.
We may ask that you provide additional information at the time of payment submission, including, without limitation, documentation relating to a specific payment or additional details regarding the Payment Method or Biller.
We may, in our sole discretion, impose limits on the size, frequency, and timing of payments sent through the Services, on a per transaction or a cumulative basis, and change those limits at any time.
By providing us with the names and account information of Billers to whom you wish to direct payments, you authorize us and the Payment Methods to follow the payment instructions that are received from you. When necessary, the Payment Methods, at our instruction, may alter payment data or data formats or change or reformat your Biller account number to match the account number or format required by the Biller for electronic payment processing.
You are solely liable and responsible for scheduling payments to ensure payments are made on-time and for selecting the appropriate Payment Processing Date to ensure that you allow sufficient time for the payment to be transmitted and paid to the Biller on or prior to the applicable due date. You are also solely responsible for ensuring that all of the payment details are accurate and complete before you initiate a Biller payment. Failure to provide accurate and complete information may result in errors in your requested payments to Billers, and you may not be able to recover a payment sent to an incorrect account or recipient.
Payments initiated for immediate processing will require successful Payment Method authorization at the time of submission of the payment. Payments scheduled ahead of time for future processing will require Payment Method authorization on the Payment Processing Date selected for the payment. If a Payment Method attached to a Payment Method fails to authorize the payment, we will be unable to process your payment. If you schedule a future payment, you are responsible for ensuring that the Payment Method are valid and accurate as of the time of the scheduled processing date. The details of a payment scheduled for a future date are locked in at the time of submissions, except where noted otherwise.
To make a payment, use the Services to select the date on which you would like the payment to be made to pay a Biller. For payments made to Billers via ACH, please allow for at least three to five business days for processing of the payment, excluding U.S. banking holidays. For all other Payment Methods, we will use commercially reasonable efforts to issue payments within two business days following your requested Payment Processing Date. Such scheduling may depend upon the size of the payment and our validity review process. We will provide a projected time frame for payment prior to your submission of the payment. Please note that the expected delivery timeframe is our projected estimate based on our historical experience with a Payment Method and is subject to change at any time.
You agree at all times to maintain sufficient funds in your Payment Method to satisfy all obligations including returns, reversals, and associated fees, and to add funds immediately if we notify you that your funds are insufficient. Without limiting any other available remedies, if any payment initiated from your payment method is returned because of insufficient funds, you must reimburse us (or to the extent applicable, the Payment Methods) for any corresponding payment amount immediately upon demand, plus exceptions processing fees, plus any bank fees, charges or penalties for return items. We or the Payment Methods also reserve the right to debit a Biller’s account for money paid to the Biller on your behalf if your payment is returned because of insufficient funds or any other reason.
We have no responsibility for any liability arising from your interactions with a Biller or your Payment methods, including, but not limited to, payment due dates, plans or terms (including late fees or refunds); timely scheduling of payments; and any related disputes arising therefrom.
The Services do not support payments to all types of Billers, including foreign Billers located outside of the United States. We are not responsible if a Biller refuses to accept or reject payment from you. We reserve the right to refuse payment to a Biller if we have reason to believe that such refusal is necessary or advisable for security, legal or other reasons. If you fail to maintain a sufficient balance of funds in the applicable Guroo Account to make any payment that you initiate, the transaction may not be completed, and we will have no liability for such incomplete transaction.
These Terms do not modify any separate written agreement you may have with any of your Payment Methods or Billers. You acknowledge and agree that Guroo is an independent, third-party service provider that is not affiliated with your Billers or Payment Methods other than to provide the Services and that your use of the Services do not in any manner constitute an agreement between you, us and your Billers or Payment Methods.
Payments you make to Billers are not owned by us at any time from payment initiation to successful delivery.
You are responsible for all, if any, applicable taxes arising from your use of the Services. You are furthermore responsible for all fees, fines, penalties and other liability incurred by Guroo, yourself, or a third party caused by or arising out of your breach of these Terms and/or your use of the Services. You agree to reimburse us or a third party for any and all such liability. In the event that you are liable for any amounts owed to us, we may initiate a transaction via your default Payment Method or other available payment methods to pay any such amounts. If you do not have sufficient funds available to fulfill such payment, we may engage in collection efforts and/or other legal actions to recover such amounts from you.
I hereby authorize Guroo and its service provider to use my credentials to access my utility account information and use the utility information in connection with my transaction with Guroo and to utilize the information for any purpose permitted by law.
You may reschedule, cancel or make a change to a payment prior to the Payment Processing Date via the Services. If you do so, your initial payment will be cancelled and it will be treated as a new payment instruction, and accordingly may result in alterations not specifically requested including, without limitation, recalculation of associated fees, qualification for Payment Method promotions, disqualification for expired Payment Method promotions, and additional payment review processes. There is no charge for canceling, rescheduling or modifying a payment before it is processed except as otherwise imposed by the Payment Method.
If for any reason you desire to stop a scheduled payment request via ACH, we will use commercially reasonable efforts to stop the payment, but you understand and agree that we may not be able to stop the payment. Our ability to stop a payment will depend upon, among other thigs, the Payment Method and whether the payment has cleared the Biller’s account. You acknowledge and agree that Guroo will not have any liability for failing to stop a payment that has already begun to be processed. Stop payment requests may be subject to additional charges.
We are unable to issue partial refunds of payments and are unable to initiate stop payments or refunds in cases where a Biller has already received your payment pursuant to their payment terms and refund policies. If this is the case, you should contact your Biller directly to request a refund, pursuant to their payment terms and refund policies. You further agree that we may contact your Biller directly to request reimbursement for any payment that has been transmitted to the Biller and for which you have initiated a chargeback, or ACH return. In the event that we receive a chargeback or ACH return, you authorize us or a third party on our behalf to debit your Payment Method on file for the amount of the chargeback or return plus any associated fees or to withhold funds from future distributions.
At any time after you submit a payment instruction, your payment may be subject to review to help us better understand the nature of and reason for your payment. During this review process, or for any other reason, we or a Payment Method may place a temporary hold on the delivery of your payment for as long as is reasonably necessary to conduct an appropriate inquiry into relevant circumstances and factors. You acknowledge that our ability to efficiently and effectively review your payment is reliant upon your cooperation. You hereby absolve us of all liability from any negative impacts relating to the delivery of your payment arising from delayed, incomplete or insufficient responses to our questions or inquiries. Based upon our review, we may instruct your Payment Method to clear the payment, reverse the payment or hold the payment pending instructions from a regulatory agency. We also reserve the right to cancel any payments in our sole discretion, upon notice to you. In such cases, as permitted by law, we will return your funds to you in the manner in which the original Payment Method was made or other necessary means.
In the event that you as Payor initiate a chargeback or ACH return for a payment that has already been transmitted to a Biller, you agree to assign to us any claims against your Biller associated with such chargeback or ACH return. You further agree that we may contact your Biller directly to request reimbursement for any payment that has been transmitted to the Recipient and for which you have initiated a chargeback or ACH return.
In the event that we receive a chargeback or ACH return, you as Recipient authorize Guroo to debit your Payment Method on file for the amount of the chargeback plus any associated fees or to withhold funds from future distributions.
Guroo will make its best efforts to delivery your payments to Billers within the timeframes projected to you prior to your submission. Except for reasons excluded below, if we fail to deliver a payment on time, we agree to reimburse you for any late fees associated with the payment which may have accrued between the quoted delivery timeframe and actual delivery. To obtain your reimbursement, please contact customer support at AskGuroo@GurooSolutions.com.
Reimbursements must be claimed within 30 calendar days after the scheduled Payment Processing Date and will be issued within 30 calendar days after reimbursement confirmation by us. You agree that you will forfeit any qualified reimbursements not claimed with this timeframe.
Our obligations and responsibility for failure to deliver a payment on time will not apply to payments affected by any of the following:
(a) Down time or delays of the Payment Method provider;
(b) Biller rejection or return of payment;
(c) Biller mishandling or delayed posting of a payment;
(d) Delivery failure due to incorrect or incompletely information provided by you;
(e) Cancellation prior to payment delivery; or
(f) Your failure to respond promptly for our requests for additional information from you, including relating to our payment review process as set forth above or requests for additional information from you to verify your information or Guroo Account.
You acknowledge and agree that it may take more than 60 days for us to receive notice of a return or reversal of an ACH debit and/or to exercise any rights granted or reserved under these Terms. You are required to maintain sufficient funds in your bank account(s) at all times to satisfy all obligations in connection with your Guroo Account or your use of the Services, including returns, reversals and associated feels, and to add funds immediately if we notify you of insufficient funds.
Any and all non-sufficient funds or overdraft fees charged by your bank are your sole responsibility. We may report, suspend and/or terminate your Guroo Account for chargeback abuse.
By using the Services to make a payment to a Biller, you agree that the goods or services provide by your Biller in exchange for the payment have already been rendered to your satisfaction. You hereby forfeit any future claims regarding insufficient, low quality or untimely delivery of the goods or services provided, including the Services provided by us with respect to such payment.
All personally identifiable information (“PIA”) provided through the Services is governed by our Privacy Policy. By using the Services, you agree to, and are bound by, the terms of our Privacy Policy which is incorporated by reference into this Agreement as if it were set forth herein in its
In order to aid the government in fighting terrorism and money laundering activities, Guroo obtains, verifies and sometimes stores certain personal data. You authorize Guroo, directly or through third parties, to make any inquiries we consider necessary to verify your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial instruments, and verifying your information and data against third-party databases or through other sources. We may request additional information from you at any time to verify beneficial ownership or control of the business, validate the information provided, and verify you. If we cannot verify your identity, we reserve the right to deny your use of the Services. We reserve the right to keep and maintain your Guroo Account registration information after you close your Guroo Account for regulatory compliance purposes.
In addition to the Privacy Policy referenced above, you specifically acknowledge that it is necessary for us and the Services to use and disclose your PIA in order to: (i) allow Billers to receive bill payments from you; (ii) allow financial institutions to initiate debits or credits to/from your Payment Methods; (iii) allow us to initiate and process payments; (iv) resolve problems relating to a Biller payment; (v) perform your identity and Payment Method verification; (vi) comply with applicable laws, rules and regulations; (vii) comply with rules and requirements of any credit/debit card, financial institution or association/network, including ACH; (viii) comply with governmental or court orders, subpoenas, requests or other inquiries; or (ix) provide and improve the Services, including with respect to performing date analytics, analysis and audits.
You may close your Guroo Account at any time by following the account deletion instructions in your account settings or contacting us at AskGuroo@GurooSolutions.com. After your Guroo Account is closed, you will still remain liable for all obligations related to your Guroo Account, including any fees you owe to us.
If you close your Guroo Account and there are scheduled payments pending that have not yet reached the Payment Processing Date, those scheduled payments will be cancelled.
The Services provide a convenient way for you to identify your Billers and Payment Methods. That said, all references to third parties, including, without limitation, any party other than you or Guroo, are for identification purposes only, and we do not endorse or sponsor any such third parties. All intellectual property not owned by us, including, without limitation, third-party trademarks, trade names, logos and domain names, is the property of their respective owners.
Subject to your compliance with these Terms, Guroo hereby grants you a non-exclusive, non-sublicensable, non-transferable, revocable license to use the Services and the Site. You acknowledge and agree that you receive no title or ownership in or to the Services or the Site.
Without limiting the generality of the foregoing, you may not use the Services for any of the following activities:
(a) to modify, create derivative works from, distribute, publicly display, publicly perform, or sublicense the Services or the Site;
(b) in any way forbidden as set forth herein;
(c) other than for legitimate payment purposes;
(d) in violation or potential violation of applicable laws, rules or regulations, including, without limitation, sending or receiving potentially fraudulent funds; violation of privacy laws; in the course of any activity regulated by the Financial Crimes Enforcement Network (FinCEN) or any other relevant regulatory body; infringement or potential infringement of a third party’s copyright, patent, trademark, trade secret or other intellectual property rights; or acting in a manner that would be defamatory, trade libelous, threatening or harassing; or using the Services in violation of applicable payment network rules;
(e) to provide false, inaccurate or incomplete information;
(f) in a manner that results in or may result in complaints, disputes, fines, fees, penalties and other liability to Guroo, a third party or you
(g) to facilitate viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, intercept or expropriate any system, data or information;
(h) to resell, re-skin or otherwise distribute our Services;
(i) taking any action that may cause us to lose any of the services we provide to our third party partners or Billers or Payment Method providers;
(j) for unsupported goods or services, including:
(k) to use Guroo’s trademarks and other intellectual property without its consent; or
(l) remove or destroy any copyright notices or other proprietary markings contained on or in Guroo’s Site or the Services.
You agree to cooperate with us in any investigation relating to any of the restricted activities set forth above or other breaches of these Terms by you.
By using the Services, you agree that you will not obtain any ownership of the Services or Guroo’s intellectual property. “Guroo”, website and all logos, scripts and custom graphics related to Guroo are either trademarks, registered trademarks or copyrights of Guroo or its licensors. You may not copy, imitate or use them without our prior written consent. All right, title and interest in and to the Site, any content contained in the Site, the Services, the technology related to the Services and any and all technology and any content created or derived from any of the foregoing, is the exclusive property of Guroo and its licensors and affiliates.
The Services may enable you to connect to third-party services or products (“Third Party Services”). If you decide to use Third Party Services, you will be responsible for reviewing and understanding the terms and conditions for these services. We are not responsible or liable for the performance of any Third-Party Services. Further, you agree to resolve any disagreement between you and a third party regarding the terms and conditions of any Third-Party Services with that third party directly in accordance with the terms and conditions of that relationship, and not Guroo. The Services may contain links to third party websites. The inclusion of a link to a third-party website does not imply an approval, endorsement, or recommendation by Guroo. Such third-party websites are not governed by this Agreement. You access any such website at your own risk. We expressly disclaim any liability for these websites. When you use a link to go from the Services to a third-party website, our Privacy Policy is no longer in effect.
Your browsing and interaction on a third party website, including those that have a link in the Services is subject to that website’s own terms, rules and policies.
EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAW, IN NO EVENT SHALL GUROO, AND ITS AFFILIATES (AND THOSE THAT GUROO WORKS WITH TO PROVIDE THE SERVICES) (COLLECTIVELY, “GUROO PARTIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR DATA USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM YOUR ACCESS TO, OR USE OF, OUR WEBSITE, OUR SERVICES, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE). THE TOTAL LIABILITY OF THE GUROO PARTIES (IN AGGREGATE) TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES ACTUALLY INCURRED IN THE SIX (6) MONTHS PRIOR TO THE DATE UPON WHICH THE APPLICABLE CAUSE OF ACTION AROSE.
There are some jurisdictions that do not allow the exclusion or limitation of incidental or consequential damages. In such case, the liability of the Guroo Parties shall be limited to the greatest extent permitted under applicable law.
OUR SERVICES ARE PROVIDES ON AN "AS IS" AND “AS AVAILABLE” AND WITHOUT ANY REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY. WE SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE ARE NOT RESPONSIBLE FOR YOUR OR OUR FAILURE TO PERFORM OBLIGATIONS UNDER THE AGREEMENT AND DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY YOU, GUROO, OR ANY THIRD PARTY.
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free, and operation of our site may be interfered with by numerous factors outside of our control. We cannot guarantee that a Biller will complete a transaction or has the authority to do so.
We will make reasonable efforts to ensure that requests payments or credits are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing because the Services are dependent upon many factors outside of our control, such as delays in the banking system or other Payment Method provider.
Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. This paragraph gives you specific legal rights and you may also have other legal rights that vary depending on the jurisdiction in which you are resident.
You agree to indemnify, defend, and hold harmless Guroo, its affiliates, and their respective directors, officers, employees, and agents from any and all claims, liabilities, damages, losses or expenses, including reasonable attorneys’ fees and costs, by any third party due to or arising out of: (a) your access to or use of the Services; (b) your breach of these Terms; (c) your violation of any law or the rights of a third party; (d) any dispute or issue between you and any third party; (e) your gross negligence or willful misconduct; and (f) any other party’s access to and/or use of the Services using your Guroo Account and password.
You release Guroo its affiliates, and their respective directors, officers, employees, and agents from any and all claims, demands or damages (actual and consequential) of every kind and nature arising out of or in any way connected with any disputes you have with a Biller, Payment Method or other third party.
These Terms of Service, the Site, the Services, and the relationship formed between the parties as a result of these Terms of Service are governed and construed in accordance with the laws of the State of Delaware, without giving effect to its choice of law provisions. You agree to submit to the personal and exclusive jurisdiction and venue in the state and federal courts sitting in the City and County of Houston, Texas for any and all disputes, claims, and actions arising from or in connection with these Terms of Service, the Site, the Services, and the relationship formed between the parties as a result of these Terms of Service.
You must consent to Guroo providing important information to you electronically, including via this Site and electronic mail (“email”), since the Services are being provided electronically. We are and will be delivering these Terms (including our Privacy Policy) and amendments or modifications to these Terms, transaction history information and any other notices, legal communications or disclosures to you electronically.
By accessing and using the Services, you agree to receive information and disclosures electronically on this Site and via email and confirm that you will preserve any such disclosures for your records. You also authorize the delivery of disclosures and notifications regarding the Services electronically on this Site and via email, and you consent to receiving electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute apply to the fullest extent permitted. You further agree to receive email, SMS or push notifications regarding the Services.
You can withdraw your consent to receive electronic communications and notifications from us by emailing us at AskGuroo@GurooSolutions.com or following the unsubscribe procedures contained in an electronic communication or notification you receive from us. Unsubscribing from electronic communications or notifications will not affect scheduled payments, but it may interfere with your ability to use certain portions or features of this Site.
Guroo reserves the right to send all account holders that have provided an email address updates that are transactional in nature including, but not limited to, payment receipts, password reset notifications and other account-related information in accordance with applicable government regulations.
BY PROVIDING YOUR EMAIL ADDRESS AND/OR TELEPHONE NUMBER TO GUROO, YOU ARE IMPLIEDLY GRANTING PERMISSION AND CONSENT FOR GUROO TO SEND BUSINESS-RELATED COMMUNICATIONS, INCLUDING MARKETING AND PRODUCT UPDATES. As permitted by law, your use of or interaction with the Services provides your consent to receive information calls, text messages and/or email messages from us at any of the contact information provided to us in connection with your Guroo Account. Such communications may include telephone calls or text messages for any purpose consistent with this Agreement and for verification of account purposes, notifications and customer service support. Standard text message rates may apply. YOU MAY OPT OUT OF RECEIVING MARKETING MESSAGES AT ANY TIME VIA THE OPT-OUT LINK PROVIDED IN EACH MESSAGE OR BY CONTACTING AskGuroo@GurooSolutions.com.
In connection with your use of this Site and/or the Services, you may elect to submit feedback, suggestions and/or other comments regarding this Site or our Services. We reserve the right, in its sole discretion, use the feedback for data analytics purposes and to incorporate some or all of this feedback into the Site and/or the Services. You hereby grant Guroo a worldwide, perpetual, nonexclusive, sublicensable, royalty-free license to use, reproduce, distribute, transmit, disclose, display, modify and create derivative works of all feedback provided by you. You further represent and warrant that you have all rights necessary to provide us with the feedback you provide and that the use of the feedback by Guroo will not violate, infringe otherwise misappropriate any third party rights.
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of these Terms of Service for all purposes. These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our Site.
The following sections of this Agreement and all other terms which by their nature should survive, will survive the termination of this Agreement: Limitation of Liability, Disclaimer of Warranties, Indemnification and Release and General.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination and/or accordingly may deny you access to our Services (or any part thereof).
In the event of a dispute, claim, or controversy (“Claim”) between you and Guroo, arising from or relating in any way to these Terms of Service, the Site, the Services, or to the relationship formed between the parties as a result of these Terms of Service, including Claims regarding the applicability of this arbitration clause or the validity of the agreement between Guroo and you, the Claim shall be resolved exclusively and finally by binding arbitration administered by the American Arbitration Association (“AAA”) under the AAA’s Commercial Arbitration Rules. All Claims are subject to arbitration, no matter what theory they are based on. This includes Claims based on contract, tort (including intentional tort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other source of law. Claims and remedies sought as part of a class action, private attorney general, or other representative action are subject to arbitration on an individual (non-class, non-representative) basis only, and the arbitrator may award relief only on an individual (non-class, non-representative) basis. The arbitration will be conducted before a single arbitrator and will be limited solely to the Claim between you and Guroo. The arbitration, or any portion of it, will not be consolidated with any other arbitration and will not be conducted on a class-wide or class action basis.
IMPORTANT: IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND GUROO MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR A JURY AND/OR TO PARTICIPATE OR BE REPRESENTED IN LITIGATION FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS), BUT EXCEPT AS OTHERWISE PROVIDED ABOVE, THOSE RIGHTS, INCLUDING ANY RIGHT TO A JURY TRIAL, ARE WAIVED AND ALL CLAIMS MUST NOW BE RESOLVED THROUGH ARBITRATION.
If either party prevails in the arbitration of any Claim against the other, the non-prevailing party will reimburse the prevailing party for any fees it paid to the AAA in connection with the arbitration, as well as for any reasonable attorneys’ fees incurred by the prevailing party in connection with such arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. Rules and forms of the AAA may be obtained and Claims may be filed at any AAA office, www.adr.org, or 335 Madison Avenue, New York, NY 10017, telephone 1-800-778-7879. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. This arbitration agreement applies to all Claims now in existence or that may arise in the future.
THE DEADLINE FOR FILING A CLAIM IS ONE (1) YEAR AFTER THE CLAIM ARISES. Failure to bring a Claim within such one (1)-year period will be permanently barred.
If the class action waiver is found to be illegal or unenforceable as to all or some parts of a dispute, those parts will not be arbitrated but will proceed in court, with the rest proceeding in arbitration. If any other provision of this arbitration agreement is found to be illegal or unenforceable, that provision will be severed but the rest of this arbitration agreement still applies.
This agreement governs if it conflicts with the AAA’s Commercial Arbitration Rules or Consumer Arbitration Rules.
Guroo affiliates are third-party beneficiaries. Affiliates of Guroo are not parties to this arbitration agreement but are third-party beneficiaries of your agreement with Guroo to resolve disputes through informal negotiation and arbitration.
You agree that binding arbitration applies to these Terms of Service, the Site, the Services and to the relationship formed between the parties as a result of these Terms of Service unless you opt-out by notifying Guroo with an email containing your full name and the express intent to opt-out sent to AskGuroo@GurooSolutions.com within 60 days of your initial visit and/or use of the Website.
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service). Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
If Guroo fails or delays in exercising any right, power or remedy or to take action against any breaches of these Terms of Service, it does not mean that it waives its right at a later time to enforce the same.
You may not transfer or assign any rights or obligations you have under these Terms of Service without Guroo’s prior written consent. We reserve the right to transfer or assign these Terms of Service or any right or obligation under these Terms of Service at any time.
Guroo shall not be liable for any issues or delayed performance caused by circumstances beyond our reasonable control, including without limitation, acts of God, acts of government, flood, fire, pandemics or epidemics, earthquakes, civil unrest, acts of terror, strikes or other labor problems, service provider failures or delays.
You may contact Guroo via email at AskGuroo@GurooSolutions.com at any time. Email communications sent to Guroo for account-related matters must originate from the email address listed in your Guroo Account. We may require account verification information for communications sent to us via live chat or other means.