Terms of Service
Acceptance of Terms
BY USING THIS SITE AND OFFERINGS ON THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT WISH TO BE BOUND BY THE THESE TERMS, DO NOT ACCESS OR USE THE SITE.
Site Uses and Conduct
This Site is intended for your personal, non-commercial use. Your use of the Site is subject to all applicable laws and regulations. You will not collect or store personal information or data associated with other users of the Site. You will not publish, post, upload, email or otherwise transmit any advertising or promotional materials, including junk or bulk email (“spam”), chain letters or any other form of unauthorized communication. You will use and access this Site for lawful purposes only. You will not access or use this Site for any purpose that is unlawful, threatening, harassing, abusive, defamatory, deceptive, tortious, fraudulent, invasive of another’s privacy, hateful, obscene or abusive. If you submit content to the Site, you will not submit any content that is illegal, expressly or implicitly profane, derogatory or otherwise injurious to North Loop or its Affiliates. You will not use or access the Site to victimize an individual or group of individuals. You will not access or use the Site to infringe on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party. You will not access or use this Site in a way that could damage, disrupt, or limit the functionality of this Site or otherwise interfere with or cause damage to North Loop or the Site, including but not limited to uploading computer codes, files or programs that may interfere with the Site, the Site’s functionality, or any hardware, software or telecommunications equipment. You will not access or use the Site to attempt to or to actually obtain unauthorized access to the Site, computer systems and networks associated with the Site, or data or other information of any third party by any means. You will not access or use the Site to breach the security of, compromise or otherwise gain access to secured, protected or inaccessible areas of this Site. You will not impersonate any other person or entity, including our employees or representatives. You are solely responsible for your use and access to the Site.
Privacy and Security
Warranty Disclaimer and Limitation of Liability
YOU UNDERSTAND AND ACKNOWLEDGE THAT WE CANNOT PROMISE OR GUARANTEE SPECIFIC RESULTS FOR USING THE SITE OR ANY OFFERINGS AVAILABLE ON THE SITE. THE CONTENT AND OFFERINGS ON THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE”. NORTH LOOP DOES NOT WARRANT, EXPRESSLY OR IMPLIEDLY, THE SITE OR OFFERINGS MADE AVAILABLE ON THE SITE FOR ANY PARTICULAR PURPOSE. NORTH LOOP EXPRESSLY DISCLAIMS ANY AND ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO, TITLE, NON-INFRINGEMENT, AND MERCHANTABILITY OF FITNESS FOR A PARTICULAR PURPOSE.
WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT THE SITE OR ITS CONTENT OR OFFERINGS WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. NORTH LOOP CANNOT AND DOES NOT GUARANTEE THE VALIDITY, ACCURACY, TIMELINESS, COMPLETENESS OR RESULTS OF THE SITE OR ITS CONTENT OR OFFERINGS. NORTH LOOP OR ITS AFFILIATES IS NOT RESPONSIBLE FOR ANY DAMAGE OR LOSS THAT MAY RESULT FROM A THIRD-PARTY’S INTERCEPTION OF THE CONTENT OR OFFERINGS MADE AVAILABLE TO YOU ON THE SITE. THIS SITE COULD INCLUDE TECHNICAL OR OTHER MISTAKES, INACCURACIES OR TYPOGRAPHICAL ERRORS. NORTH LOOP MAY MAKE CHANGES TO THE CONTENT AND OFFERINGS AT THIS SITE AT ANY TIME WITHOUT NOTICE.
THE USE OF THE OFFERINGS OR THE DOWNLOADING OR OTHER ACQUISITION OF ANY SITE CONTENT IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH YOUR AGREEMENT THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITIES. North Loop AND ITS AFFILIATES WILL NOT HAVE ANY LIABILITY OR RESPONSIBILITY OF ANY KIND WHATSOEVER FOR ANY DAMAGE OR LOSS IN THE EVENT OF OR IN CONNECTION WITH ANY OF THE FOLLOWING: ANY FAILURE OR INTERRUPTION OF THIS SITE; ANY ERROR, ACT OR OMISSION IN THE TECHNICAL CONTENT AND OPERATION OF THE SITE; ANY ERROR IN THE SITE CONTENT; ANY OFFERINGS OR SERVICE MADE AVAILABLE IN THE SITE; ANY CONDUCT OF SITE USERS; ANY ACTION TAKEN WITH RESPECT TO RIGHTS HOLDERS; OR ANY OTHER CAUSE RELATED TO YOUR ACCESS OR THE INABILITY TO ACCESS THE SITE OR ITS CONTENT IRRESPECTIVE OF WHETHER THE CIRCUMSTANCES GIVING RISE TO ANY OF THE FOREGOING MAY HAVE BEEN WITHIN THE CONTROL OF NORTH LOOP OR ITS AFFILIATES THAT PROVIDE SERVICES OR SOFTWARE. IN NO EVENT WILL NORTH LOOP OR ITS AFFILIATES BE LIABLE TO YOU OR ANY THIRD-PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES WHATSOEVER ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR OF ANY WEBSITE REFERENCED OR LINKED TO FROM
THIS LIMITATION OF LIABILITY INCLUDES BUT IS NOT LIMITED TO ANY ELECTRONIC EQUIPMENT FAILURE, ELECTRONIC VIRUS TRANSMISSION, CONNECTIVITY ISSUES, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, OR ANY FORCE MAJEURE INCLUDING BUT NOT LIMITED TO: LABOR DISTURBANCE, WAR, FIRE, ACCIDENT, ADVERSE WEATHER, INABILITY TO SECURE TRANSPORTATION, GOVERNMENTAL ACT OR REGULATION, AND OTHER CAUSES OR EVENTS BEYOND OUR REASONABLE CONTROL.
NORTH LOOP NEITHER ENDORSES NOR ASSUMES ANY LIABILITY FOR ANY MATERIAL (INCLUDING BUT NOT LIMITED TO FACTS, STATEMENTS, AND OPINIONS) UPLOADED OR SUBMITTED BY ANY THIRD-PARTY ON ANY PART OF THE SITE. YOU ACKNOWLEDGE AND AGREE THAT ANY RELIANCE UPON SUCH MATERIAL IS AT YOUR SOLE RISK. IN NO EVENT WILL North Loop OR ITS AFFILIATES BE LIABLE TO YOU OR ANY THIRDPARTY FOR ANY INJURY OR LOSS.
We and our agents reserve the right to remove any and all postings that we feel do not comply with these Terms and any other rules of user conduct for our Site, or are otherwise harmful, objectionable, or inaccurate. We are not responsible for any failure or delay in removing such postings.
YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD US AND OUR AFFILIATES HARMLESS FROM AND AGAINST ALL LIABILITIES, CLAIMS, AND EXPENSES, INCLUDING ATTORNEYS’ FEES, THAT MAY ARISE FROM OR RELATE TO ANY ALLEGED OR ACTUAL CLAIMS, DEMANDS, CAUSES OF ACTION, JUDGMENTS, DAMAGES, LOSSES, LIABILITIES AND ALL COSTS AND EXPENSES OF DEFENSE (INCLUDING REASONABLE ATTORNEYS’ FEES AND COURT COSTS) ARISING OUT OF OR RELATING TO: (A) YOUR USE OR MISUSE OF THIS SITE; (B) YOUR BREACH OF THIS AGREEMENT; (C) YOUR VIOLATION OF ANY LAW OR REGULATION; (D) A THIRD-PARTY’S CLAIM THAT IS BASED ON YOUR USE OR MISUSE OF THE SITE; (E) ANY MISREPRESENTATION MADE BY YOU; (F) ANY DISPUTE BETWEEN YOU AND ANOTHER SITE USER; (G) THE THEFT, MISAPPROPRIATION OR DISCLOSURE OF YOUR PASSWORD; (H) YOUR AUTHORIZATION OF ANYONE ELSE TO USE YOUR PASSWORD. WE RESERVE THE RIGHT, AT OUR OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU WILL COOPERATE WITH US IN ASSERTING ANY AVAILABLE DEFENSES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
Termination of Use
You agree that we may, at our sole discretion, terminate or suspend your access to all or part of the Site with or without notice and for any reason, including, without limitation, breach of these Terms. Any suspected fraudulent, abusive or illegal activity may be grounds for barring your access to this Site, and reporting you to the proper authorities, if necessary. We shall not be liable to you or any third party for any claims for damages arising out of any termination or suspension or any other actions taken by us in connection therewith.
International Use. Although this Site may be accessible worldwide, we make no representation that materials on this Site are appropriate or available for use in locations outside the United States. Those who choose to access this Site from other locations do so on their own initiative and at their own risk. If you choose to access this Site from outside the United States, you are responsible for compliance with local laws in your jurisdiction. Any offering made in connection with this Site is void where prohibited.
Governing Law. This Site (excluding any Third Party websites) is controlled by us from our offices in San Francisco, California and the statutes and laws of California shall be controlling, without regard to the conflicts of laws principles thereof. You agree and hereby submit to the exclusive personal jurisdiction and venue of the Superior Court of the State of California for the City and County of San Francisco or the U.S. District Court for the Northern District of California with respect to such matters controlled by that court.
Savings Clause. If any part of these Terms is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
No Waiver. Any failure by us to enforce or exercise any provision of these Terms or related rights shall not constitute a waiver of that right or provision.
Entire Agreement. These terms and conditions constitute the entire agreement and understanding between the parties concerning the subject matter hereof and supersedes all prior agreements and understandings of the parties with respect thereto. These Terms may NOT be altered, supplemented, or amended by the use of any other document(s). To the extent that anything in or associated with this Site is in conflict or inconsistent with these Terms, these Terms shall take precedence. If you have any questions regarding these Terms, the Site, the Site content or offerings, please contact us at: firstname.lastname@example.org
Cashback and CampusCashback
North Loop offers a variety of cashback offers at select merchants. These cashback offers and values are likely to change without notice.
Electronic Fund Transfers
Unauthorized Transactions. The following disclosures are made in accordance with federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your North Loop Checking Account. There may be limitations on account activity that restrict your ability to make Electronic Fund Transfers. Any of these limits are disclosed in the Savings Agreement and Deposit Agreement.
For purposes of these Terms, “Electronic Fund Transfer” means any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit your bank account, including transfers resulting from Card transactions, direct deposits, withdrawals of funds and ATM transfers.
Adding Funds by Debit Card
You may add funds to your checking account using an external bank’s debit card. You will be required to confirm adding the funds before proceeding. There is no fee for this feature. However, all funds added via the debit card are final and will not be permitted for any chargeback. You may not request a chargeback from the issuing bank, and should you choose to do so, you will be liable for all funds, not North Loop. This liability covers transactions that you may believe have happened without your authorization. To prevent transactions being used without your authorization, you agree to multi-factor authorization on every such transaction, thereby indicating that the process of linking your card and every subsequent transaction is undoubtedly performed by you and authorized by you. Should you request a chargeback from the issuing bank, you are liable to return all funds in the returned transaction to North Loop and reimburse North Loop within 30 days of the chargeback.
iii. Correct the error, if any, within 1 business day after determining that an error occurred; and
Account Aggregation Services
Your use of the automated bank account feeds (“Account Aggregation Services”) in connection with opening your account/requesting your loan is subject to the following terms.
Provide Accurate Information. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other websites, including financial institutions. You will not misrepresent your identity or your account information. You represent that you have all the rights to provide such information and license the Content, as defined below. You agree to keep your account information up to date.
License. You are licensing to Platform and its service providers, including Synapse, any information, data, passwords, materials or other content (collectively, “Content”) you provide through the Account Aggregation Services. You license the Content to Platform and its service providers to access, use and store the Content. Platform and its service provider may use, display, distribute and reproduce the information obtained via the Account Aggregation Services exclusively for the purposes of delivering Platform and banking services to you. You may revoke this license at any time by emailing email@example.com
Third-Party Accounts. By using the Account Aggregation Services, you authorize Platform and its service providers to access third-party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts/request loans. For all purposes hereof, you grant Platform and its services providers a limited power of attorney, and you hereby appoint Platform and its service providers as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, access third-party internet sites, servers or documents, retrieve information, and use your information exclusively for the purposes of delivering Platform and banking services to you. You understand that Platform and its service providers may access your third-party accounts any time and obtain access to the information in such third-party accounts at any time while you have an account with Platform.
To report a complaint relating to the bank services, email firstname.lastname@example.org or call (415) 688-2943.
North Loop Fees
Incoming Wire Fee
ACH Transfer Fee
Card Replacement Fee
$0 for first two replacement cards every year. $6 per card afterwards.
Foreign Transaction Fee
ATM Fee (out-of-network)
Call Centre Support Hours
Phone number: +1 (831) 740-8126
9AM EST - 1AM EST
6AM PST - 10PM PST