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NOW Privacy Policy

Cardholder Agreement effective December 2021

Information Collection:  i-payout is the sole owner of the information collected. i-payout collects information from our users at several points on our Website.

In order to use this Website and its service offering, i-payout will provide a Sign Up form for the user to register. During registration i-payout will ask for the following information:

First Name
Last Name
Street Address
ZIP or Postal Code
Email Address
User Name
User Password
Phone Number
Government ID number (e.g. SSN or passport number)
Security question
Answer to Security question

Question: What does a non-U.S. user need to provide in place of the SSN that a U.S. user is required to provide?

Answer: Positive ID using a permanent, government issued ID number, such as a passport number, National ID card, etc. Driver’s licenses cannot be used as they are not permanent and numbers on them can change at renewal or re-issue.

Due to governmental oversight of all financial transactions, the above-listed information is required to be collected by i-payout in order to offer our services to our users. This information is used to determine true identity and the authenticity of transactions conducted by our users. The need for the requested identification information and subsequent verification checks are mandatory as dictated by U.S. law.

i-payout takes data security seriously and offers our users a secure alternative payment solution that can be used with confidence over the Internet as well as over all cellular phone networks. i-payout’s mission is to provide consumers with the most secure, reliable, fast and easy payment solution available for use on the Internet and cell phones. Users protect their accounts from misuse by selecting a unique Username (i.e., their Associate, Member or Distributor number or a self-chosen Username) and by selecting their own User Password during the sign-up process. Thereafter, users can quickly and easily access their funds and perform multiple transactions from their accounts. Passwords can easily be changed by the User and we highly encourage that users do so on a regular basis.

The information collected during the New Account Registration phase is used for:

Creating a i-payout eWallet

Verifying and authenticating the user’s Checking Account transactions

Automatic Data Collection

Our Website has various features that automatically collect information from users to deliver requested content specific to each users’ interests and to honor their preferences and requests. This information assists us in creating a Website that will constantly evolve to better serve the needs of our users.


We store information that we collect through the registration form to create a profile of our users. A profile is stored information that we keep on individual users which details their viewing and transaction preferences. Consequently, collected information is tied to users’ personally identifiable information to provide customized offers and improve the content and functionality of the site for users.


A “cookie” is a small data file transferred by a Website to your computer’s hard drive. i-payout is committed to continually improving the Web experience for our visitors. Currently, cookies are the most effective way of identifying unique, anonymous visitors and to document their navigation during visits. Cookies are typically classified as either “session” cookies or “permanent” cookies.

“Session” cookies do not stay on your computer after you leave our Website or close your browser. The aggregate information collected permits us to analyze traffic patterns on our site. This can enable us over time to provide a better experience on our site by improving content or personalization and making our site easier to use.

“Permanent” cookies are those that remain on your computer. They are used to facilitate shopping, personalization and registration services. For example, cookies can keep track of what you have selected to purchase as you continue to shop and allow you to enter your password only once on Web pages where a login is required. “Permanent” cookies can be manually removed by the user.

Most browsers automatically accept cookies by default, but you can usually refuse cookies or selectively accept certain cookies by adjusting the preferences in your browser. If you turn off cookies, there may be some features of our Website that will not be available to you and some Web pages may not display properly. You can find information on popular browsers and how to adjust your cookie preferences at the following websites:

Google Chrome:

Microsoft Edge:



Log Files

For internal purposes, we gather date, time, browser type, navigation history and IP addresses of all visitors to our Website. This information does not contain anything that can identify users individually. We use this information for our internal security audit log, trend analysis, system administration, and to gather broad, aggregate demographic information about our user base. We may combine demographic information supplied by users at registration with site usage data to provide general profiles, in aggregate non-personally identifiable form, about our users and their preferences relating to Website content and site advertising. We may share this composite information with our advertisers and business affiliates to help them better understand our services.

Communications from the Site

Service Announcements

On rare occasions it is necessary to send out service related announcements. For instance, if our service is temporarily suspended for maintenance, users may receive an email stating this. These communications are not promotional in nature.

Customer Service

We have to communicate with users on a regular basis to provide requested services. Also, in regard to issues relating to their accounts, we reply via email or phone in accordance with users’ wishes. From time-to-time, it may be necessary for our customer support team to contact an individual if there is a problem or issue with their account.


Legal Disclaimer

Although we make every effort to preserve our user’s privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on us or our Website, or in a situation where a customer’s behavior raises concern about the legitimacy of his or her account.

Service Providers

In order for i-payout to provide its core service offering (secure, fast payments), it is required to share personally identifiable information with our other service providers that provide various services for us to complete our tasks. These can include electronic funds movement and processing companies, card transaction processing companies, banks and similar service providers. All our service providers maintain similar or even stricter confidentiality and data security features as i-payout.

Business Transitions

In the event i-payout goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, individual user’s personal information will in most instances be part of the assets transferred. Users will be notified via email and via a prominent notice on our Website prior to a change of ownership or control of their personal information. If as a result of the business transition, our users’ personally identifiable information will be used in a manner different from that stated at the time of collection of that information, then users will be given choice consistent with our notification of changes section.


You should be aware that other Internet sites that you link to from the i-payout site may contain privacy provisions that differ from the provisions of our Privacy Statement. To ensure your privacy is protected, we recommend that you review the privacy statements of other Internet sites you visit.

Correcting/Updating/Deleting/Deactivating Personal Information

If users wish to change their personally identifiable information (such as zip code, phone numbers or their postal address), they can do so by going to their “Profile” page and making the appropriate changes.

Notification of Changes

If we decide to change our privacy policy, we will post those changes to this Privacy Statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances (if any), we may disclose it. We will only use information in accordance with the Privacy Policy under which the information was collected.

However, if we are going to use a users’ personally identifiable information in a manner different from that stated at the time of collection, we will notify users via email. Users will then have a choice as to whether or not we may use their information in this different manner In addition, if we make any material changes in our privacy practices that do not affect the users information already stored in our database, we will post a prominent notice on our Website notifying users of the change. In some cases where we post a notice, we will also email users who have opted to receive communications from us by email, notifying them of the changes in our privacy practices.

Contact Information

Please contact us with any questions or comments regarding this privacy policy at


Load Limitations

Maximum Card balance at any time: $50,000

Withdrawal Limitations

ATM Withdrawals – Domestic: $700 per-transaction limit, $2,500 daily limit; and $5,000 monthly limit

ATM Withdrawals – International: $700 per-transaction limit, $2,500 daily limit; and $5,000 monthly limit

Cashback (This will count against your Point of Sale total for the day.): $700 per-transaction limit, $2,500 daily limit; and $5,000 monthly limit

Spend Limitations

Maximum amount in Point of Sale Signature or Point of Sale PIN Transactions: $10,000 per-transaction limit, $30,000 daily limit; and $50,000 monthly limit

9. Loading Your Card
You may not load additional funds to your Card; only Sponsor may load additional funds. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. Any checks and money orders sent to the Issuer for loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded at the discretion of the Issuer. The minimum amount of funds that may be loaded to your Card Account by or on behalf of Sponsor is $0.01. The maximum amount of funds that may be loaded to your Card Account by or on behalf of Sponsor is $30,000.00.

10. When Value on your Card is Available
Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law.

11. Preauthorized Transfers
The Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Card Account number to anyone.

12. Refunds and Returns
If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs.

13. Card Replacement
If you need to replace your Card for any reason, please contact 1-877-919-1669 to request a replacement Card. You will be required to provide personal information which may include your 16-digit Card number, full name, transaction history, copies of accepted identification, etc. We reserve the right to require an affidavit signed by you and to conduct an investigation into the validity of any request. There is a fee or a fee for replacing your Card in certain circumstances – see the paragraph labeled “Fee Schedule.”

14. Card Expiration
The Card plastic is valid through the expiration date shown on the front or back of the Card, except where prohibited or modified by applicable law. The funds associated with the Card do not expire. You will not be able to use your Card after the valid through date; however, you may request a replacement Card at no cost to you by following the procedures in the paragraph labeled “Card Replacement.” The new Card will have a value equal to the remaining balance of the expired Card.

15. Receipts
You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.

16. Card Account Balance/Periodic Statements/Cardholder Agreement
You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance. It is important to know your available balance before making any transaction. You may obtain information about the amount of money you have remaining in your Card Account by calling Customer Service. This information, along with a (12) month history of account transactions, is also available on our Website. You also have the right to obtain a (12) month written history of account transactions by calling or writing Customer Service.

A copy of this Agreement is available to you on our Website at

17. Fee Schedule

Monthly Maintenance:$2.00 per month

Card Closure: $10.00

Card Re-Issue: $10.00 for a reissuance of a card

Domestic ATM*: $2.50 per transaction

Non-US ATM*: $4.50 per transaction

ATM Balance or Decline: $0.75 per transaction

Non US Currency FX: 3% of the value of the transaction outside of the US.

18. Unclaimed Property
Applicable law may require us to report to state government authorities any funds remaining with respect to your Card after a certain period of inactivity. In that event, we may try to contact you at the address shown in our records. If we are unable to contact you, we may be required to transfer any funds remaining with respect to your Card to state government authorities as unclaimed property.

19. Confidentiality
We may disclose information to third parties about you, your Card, or the transactions you make:

  1. Where it is necessary or helpful for completing transactions;
  2. In order to verify the existence and condition of your Card for a third party, such as merchant;
  3. In order to comply with government agency, court order, or other legal or administrative reporting requirements;
  4. If you consent by giving us your written permission;
  5. To our employees, auditors, affiliates, service providers, or attorneys as needed;
  6. In order to prevent, investigate or report possible illegal activity;
  7. In order to issue authorizations for transactions on the Card;
  8. As permitted by applicable law; or
  9. Otherwise as necessary to fulfill our obligation under this

20. Our Liability for Failure to Complete Transactions
If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  1. If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
  2. If a merchant refuses to accept your Card;
  3. If an ATM where you are making cash withdrawal does not have enough cash;
  4. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
  5. If access to your Card has been blocked after you reported your Card lost or stolen;
  6. If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
  7. If we have reason to believe the requested transaction is unauthorized;
  8. If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
  9. For any other exception stated in our Agreement with you or by applicable

21. Lost or Stolen Cards; Your Liability for Unauthorized Transfers
Contact us at once by calling 1-877-919-1669 if you believe your Card has been lost or stolen. You must provide your name, address, Card Account number, CID, and other details as requested by us to replace your Card. We cannot assist you if you do not have the Card Account number or do not provide us with the requested information. If we issue a replacement Card, the replacement Card will have a value equal to the Available Balance on the Card at the time you notified us of the loss or theft. Any Available Balance will be temporarily unavailable until you activate your replacement Card. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM THE LOST OR STOLEN CARD BEFORE YOU NOTIFY US. You acknowledge that purchases made the Card, are similar to those made with cash. You cannot “stop payment” or “lodge a billing dispute” on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant.

22. Assignment; Applicable Law; Severability
Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Ohio except to the extent governed by federal law.

23. Amendment and Cancellation
We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on our website at, and any such amendment shall be effective upon posting to that website. The current Agreement is available at You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. In the event the Card Account is cancelled, closed, or terminated for any reason you may request the unused balance to be returned to you by check to be sent to the mailing address you provide to us. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.

24. Overpayment
We and your Sponsor, when applicable, reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you, and you authorize us (a) to share information as necessary with your Sponsor in connection with resolving any errors or overpayments related to Sponsor loads to the Card and (ii) to the extent applicable, to accept instructions from your Sponsor to add or deduct funds from your Card Account and, in the case of deductions, to return those funds to your Sponsor.

25. No Warranty of Availability or Uninterrupted Use
From time to time the Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information from your Card, including the available balance of funds associated with your Card. Please notify us at the Customer Service number stated below if you have any problems using your Card. You agree that the Issuer, Sponsor, Network, and their respective affiliates, employees, or agents are not responsible for any interruption of service.

26. Website Availability
Although considerable effort is expended to make our Website, NOW Mobile Application and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. You agree that we will not be responsible for temporary interruptions in service due to maintenance, Website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts.

You agree to act responsibly with regard to our Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the Website’s systems and integrity.

We shall not bear any liability, whatsoever, for any damage or interruptions caused by any “computer viruses” that may affect your computer or other equipment. We advise the regular use of a reputable and readily available virus screening and prevention software.

27. English Language Controls
Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

28. Customer Service
For customer service or additional information regarding your Card, please contact us at:

GlobaleWallet Card, PO Box 14802, Fort Lauderdale FL 33302 or 1-877-919-1669

Customer Service agents are available twenty-four (24) hours a day, seven (7) days a week.

29. Telephone Monitoring/Recording
You agree that from time to time, without further notice to you, we may monitor and/or record telephone calls and electronic communications between you and us to assure the quality of our customer service or as required by applicable law.

30. No Warranty Regarding Goods or Services as Applicable
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

31. Section Headings
Section headings in this Agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this Agreement.

32. Entire Understanding
This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter.

33. Arbitration
For any and all controversies, disputes, demands, claims, or causes of action between you and us (including the interpretation and scope of this Section and the arbitrability of the controversy, dispute, demand, claim, or cause of action) relating to the Card, Card Account, or these Terms (as well as any related or prior agreement that you may have had with us), You and we agree to resolve any such controversy, dispute, demand, claim, or cause of action exclusively through binding and confidential arbitration and the terms of this Section . The arbitration will take place in the federal judicial district located in Columbus, Ohio, or in the alternative, may be conducted telephonically at your request. As used in this Section, “we” and “us” mean Bank and its subsidiaries, affiliates, predecessors, successors, and assigns and all of Bank’s employees, officers, directors, agents, and representatives. In addition, “we” and “us” includes any third party providing any product, service, or benefit in connection with the Card Accounts or these Terms (as well as any related or prior agreement that Account Owner may have had with us) if such third party is named as a co-party with us in any controversy, dispute, demand, claim, or cause of action subject to this Section.

Arbitration will be subject to the Federal Arbitration Act and not any state arbitration law. The arbitration will be conducted before one commercial arbitrator from the American Arbitration Association (“AAA”) with substantial experience in resolving commercial contract disputes. As modified by these Terms, and unless otherwise agreed upon by the parties in writing, the arbitration will be governed by the AAA’s Commercial Arbitration Rules and, if the arbitrator deems them applicable, the Supplementary Procedures for Consumer Related Disputes (collectively, the “Rules and Procedures”). Notwithstanding this agreement to arbitrate, either party may seek emergency equitable relief in federal court if it has jurisdiction or, if it does not, in a state court located in the federal judicial district of your principal place of business residence in order to maintain the status quo pending arbitration, and each party hereby agrees to submit to the exclusive personal jurisdiction of the courts located within the federal judicial district of your principal place of business for such purpose. A request for interim measures will not be deemed a waiver of the obligation to arbitrate.

You agree to the following in connection with any arbitration: (a) no class or similar group arbitration will be permitted; (b) the arbitration will be confidential, and neither you nor we may disclose the existence, content, or results of any arbitration, except as may be required by law or for purposes of enforcement of the arbitration award; (c) subject to Section 7 (Limitation of Liability), the arbitrator may award any individual relief or individual remedies that are expressly permitted by applicable law; and (d) each party will pay its own attorneys’ fees and expenses, unless there is a statutory provision that requires the prevailing party to be paid its fees and litigation expenses and the arbitrator awards such attorneys’ fees and expenses to the prevailing party, and, in such instance, the fees and costs awarded will be determined by the applicable law.

You understand and agree that, by agreeing to these Terms:
This Section will survive termination of the Card Account or these Terms as well as any voluntary payment of any debt in full by Account Owner or bankruptcy by Account Owner, or any bankruptcy by us. With the exception of subparts (a) and (b) of this Section (prohibiting arbitration on a class or collective basis), if any part of this arbitration provision is deemed to be invalid, unenforceable, or illegal, or otherwise conflicts with the Rules and Procedures, then the balance of this arbitration provision will remain in effect and will be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting part was not contained herein.

This Card is issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated.