Terms Of Service

Brain&Paper Terms and Conditions

These General Terms of Service (“General Terms”) are a legal agreement between you (“you,” “your”) and Brain&Paper, LLC. (“Brain&Paper” , “B&P”, “we,” “our” or “us”) and govern your use of Brain&Paper’s services, including mobile applications, websites, software, hardware, and other products and services (collectively, the “Services”). If you are using the Services on behalf of a business, that business accepts these terms. By using any of the Services you agree to these General Terms and any policies referenced within (“Policies”), including terms that limit our liability (see Limitations of Liability and Damages) and require individual arbitration for any potential legal dispute (see Binding Individual Arbitration).

You also agree to any additional terms specific to Services you use (“Additional Terms”), such as those listed below, which become part of your agreement with us.

Payment Terms: These terms apply to all payments made through the Services.

Brain&Paper Policy

You agree to Brain&Paper’s Brain&Paper Policy, which explains how we collect, use and protect the personal information you provide to us.

Account Registration

You must open an account with us (a “Brain&Paper Account”) to use the Services. During registration we will ask you for information, including your name and other personal information. This information will be collected and used in accordance with our Brain&Paper Policy. You must provide accurate and complete information in response to our questions, and keep that information current. You are fully responsible for all activity that occurs under your Brain&Paper Account, including for any actions taken by persons to whom you have granted access to the Brain&Paper Account. We reserve the right to suspend or terminate the Brain&Paper Account of any user who provides inaccurate or incomplete information, or who fails to comply with account registration requirements.

Revisions, Disclosures and Notices

We may amend the General Terms, any Additional Terms, or our Policies, at any time with notice that we deem to be reasonable in the circumstances, by posting the revised version on our website or communicating it to you through the Services (each a “Revised Version”). The Revised Version will be effective as of the time it is posted, but will not apply retroactively. Your continued use of the Services after the posting of a Revised Version constitutes your acceptance of such Revised Version. Any Dispute that arose before the changes will be governed by the General Terms, Additional Terms or Policies in place when the Dispute arose.

You agree to Brain&Paper’s E-Sign Consent. We may provide disclosures and notices required by law and other information about your Brain&Paper Account to you electronically, by posting it on our website, pushing notifications through the Services, or by emailing it to the email address listed in your Brain&Paper Account. Electronic disclosures and notices have the same meaning and effect as if we had provided you with paper copies. Such disclosures and notices are considered received by you within twenty-four (24) hours of the time posted to our website, or within twenty-four (24) hours of the time emailed to you unless we receive notice that the email was not delivered. If you wish to withdraw your consent to receiving electronic communications, contact Brain&Paper Support. If we are not able to support your request, you may need to terminate your Brain&Paper Account.


You may not, nor may you permit any third party, directly or indirectly, to: export the Services, which may be subject to export restrictions imposed by US law, including US Export Administration Regulations (15 C.F.R. Chapter VII); access or monitor any material or information on any Brain&Paper system using any manual process or robot, spider, scraper, or other automated means; except to the extent that any restriction is expressly prohibited by law, violate the restrictions in any robot exclusion headers on any Service, work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services; perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by our other customers, or impose an unreasonable or disproportionately large load on our infrastructure; copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material, information or Services from Brain&Paper; use and benefit from the Services via a rental, lease, timesharing, service bureau or other arrangement; use the Service in conjunction with automated purchasing software programs; use the Service to exploit new user, referral programs, promotions offered by other merchants, or otherwise use the Service to violate the terms and conditions of a merchant; transfer any rights granted to you under these General Terms; use the Services in a way that distracts or prevents you from obeying traffic or safety laws; use the Services for any illegal activity or goods or in any way that exposes you, other Brain&Paper users, our partners, or Brain&Paper to harm; or otherwise use the Services except as expressly allowed under these General Terms and applicable Additional Terms.

Compatible Devices and Third Party Carriers

We do not warrant that the Services will be compatible with device or carrier. Your use of the Services may be subject to the terms of your agreements with your device manufacturer or your carrier. You may not use a modified device to use the Services if the modification is contrary to the manufacturer’s software or hardware guidelines, including disabling hardware or software controls.

Your Content

The Services may include functionality for uploading or providing photos, logos, products, loyalty programs, promotions, advertisements and other materials or information (“Content”).

You grant us and our subsidiaries, affiliates, and successors a worldwide, non-exclusive, royalty-free, fully-paid, transferable, and sub-licensable right to use, reproduce, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display your Content throughout the world in any media in order to provide and promote the Services. You retain all rights in your Content, subject to the rights you granted to us in these General Terms. You may modify or remove your Content via your Brain&Paper Account or by terminating your Brain&Paper Account, but your Content may persist in historical, archived or cached copies and versions thereof available on or through the Services.

You will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Services any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches any duty toward or rights of any person or entity, including rights of publicity, Brain&Paper or trademark; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Brain&Paper’s or its partners’ products and services, as determined by us in our sole discretion; or (f) in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Services, or which may expose Brain&Paper, its affiliates or its customers to harm or liability of any nature.

Although we have no obligation to monitor any Content, we have absolute discretion to remove Content at any time and for any reason without notice. You understand that by using the Services, you may be exposed to Content that is offensive, indecent, or objectionable. We take no responsibility and assume no liability for any Content, including any loss or damage to any of your Content.

Copyright and Trademark Infringement

We respect the copyright and trademark rights of others and ask you to do the same. We have adopted a Copyright & Trademark Policy regarding claims that third party material infringes the copyrights or trademarks of others. We respond to all valid notices of such copyright and trademark infringement, and our policy is to suspend or terminate the access privileges of those who infringe the copyrights and trademarks of others.


We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You provide your personal information at your own risk.

You are responsible for safeguarding your password and for restricting access to the Services from your compatible devices. You will immediately notify us of any unauthorized use of your password or Brain&Paper Account or any other breach of security. Notwithstanding Sections Disputes and Binding Individual Arbitration, in the event of any dispute between two or more parties as to account ownership, we will be the sole arbiter of such dispute in our sole discretion. Our decision (which may include termination or suspension of any Brain&Paper Account subject to dispute) will be final and binding on all parties.


You consent to accept and receive communications from us in electronic form, including e-mail, text messages, calls, and push notifications to the mobile phone number you provide to us. These communications may be generated by automatic telephone dialing systems which will deliver prerecorded messages, including for the purposes of secondary authentication, receipts, reminders and other notifications. You agree that all communications provided to you by Brain&Paper electronically satisfy any legal requirement that communication would satisfy if it were in writing. Standard message and data rates applied by your cell phone carrier may apply to the text messages we send you. You may opt-out of receiving communications by following the unsubscribe options we provide to you. You may also opt-out of text messages from Brain&Paper at any time by texting STOP in response. You acknowledge that opting out of receiving communications may impact your use of the Services.

Paid Services

Brain&Paper may offer Services to be paid for on a recurring basis (“Subscription Services”) or on an as-used basis (“A La Carte Services” and, together with the Subscription Services, “Paid Services”). Brain&Paper has the right to change, delete, discontinue or impose conditions on Paid Services or any feature or aspect of a Paid Service. Subscription Services may subject you to recurring fees and/or terms. By signing up for a Subscription Service, including after any free trial period, you agree to pay us the subscription fee and any applicable taxes as set forth in your Brain&Paper Account settings or as otherwise agreed in writing (“Subscription Fee”). If you sign up for Subscription Services for a period (“Initial Period”), then the terms will be automatically renewed for additional periods of the same duration as the Initial Period at our then-current fee for such Subscription Services. In order to avoid automatic renewal you must cancel your Subscription Services at least thirty (30) days prior to the automatic renewal date.

A La Carte Services may subject you to fees charged per usage and/or terms. By using an A La Carte Service, you agree to pay the fees and any taxes incurred at the time of usage (“A La Carte Fees” and, together with Subscription Fees, the “Paid Service Fees”).

Paid Service Fees may be paid by your preferred load method. If you link a bank account or other payment instrument to your account, you authorize us to collect Paid Service Fees by debit from your linked account. Regardless of payment device, we reserve the right to collect Paid Service Fees by deduction from your linked account.

Unless otherwise provided in a Subscription Service’s terms, Subscription Fees will be charged on the 1st of every month until cancelled. You may cancel a Subscription Service at any time from your Brain&Paper Account settings. If you cancel a Subscription Service, you will continue to have access to that Subscription Service through the end of your then current billing period, but you will not be entitled to a refund or credit for any Subscription Fee already due or paid. We reserve the right to change our Subscription Fee upon thirty (30) days’ advance notice. Your continued use of Subscription Services after notice of a change to our Subscription Fee will constitute your agreement to such changes.


We may terminate these General Terms or any Additional Terms, or suspend or terminate your Brain&Paper Account or your access to any Service, at any time for any reason. You may also terminate the General Terms and Additional Terms applicable to your Brain&Paper Account by deactivating your Brain&Paper Account by contacting us at support@brainandpaper.com

Effect of Termination

If these General Terms or your Brain&Paper Account is terminated or suspended for any reason: (a) the license and any other rights granted under these General Terms and any Additional Terms will end, (b) we may (but have no obligation to) delete your information and account data stored on our servers, and (c) we will not be liable to you or any third party for compensation, reimbursement, or damages for any termination or suspension of the Services, or for deletion of your information or account data. In addition to any payment obligations under the Payment Terms, the following sections of these General Terms survive and remain in effect in accordance with their terms upon termination: (Your Content), (Copyright and Trademark Infringement), (Effect of Termination), (Ownership), (Indemnity), (Representations and Warranties), (No Warranties), (Limitation of Liability and Damages), (Third Party Products), (Disputes), (Binding Individual Arbitration), (Governing Law), (Limitation on Time to Initiate a Dispute), (Assignment), (Third Party Service and Links to Other Web Sites), and (Other Provisions).

Your License

We grant you a limited, non-exclusive, revocable, non-transferable, non-sublicensable license to use the software that is part of the Services, as authorized in these General Terms. We may make software updates to the Services available to you, which you must install to continue using the Services. Any such software updates may be subject to additional terms made known to you at that time.


We reserve all rights not expressly granted to you in these General Terms. We own all rights, title, interest, copyright and other worldwide Intellectual Property Rights (as defined below) in the Services and all copies of the Services. These General Terms do not grant you any rights to our trademarks or service marks.

For the purposes of these General Terms, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.

You may submit comments or ideas about the Services (“Ideas”). By submitting any Idea, you agree that your disclosure is gratuitous, unsolicited, and without restriction, that it will not place us under any fiduciary, confidentiality or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone.


You will indemnify, defend, and hold us and our partners (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in these General Terms or any Additional Terms; (b) your wrongful or improper use of the Services; (c) your violation of any third-party right, including without limitation any right of Brain&Paper, publicity rights or Intellectual Property Rights; (d) your violation of any law, rule or regulation of the United States or any other country; and (e) any other party’s access and/or use of the Services with your unique name, password or other appropriate security code.

Representations and Warranties

You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under these General Terms; (c) any information you provide in connection with the Services, accurately and truthfully represents your identity; (d) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you; (e) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; and (f) your use of the Services will be in compliance with these General Terms and applicable Additional Terms.

No Warranties




Brain&Paper does not warrant, endorse, guarantee, or assume responsibility for any product or services advertised or offered by a third party. Brain&Paper does not have control of, or liability for, goods or services that are paid for using the Services.

Limitations of Liability and Damages





Third Party Products

All third party hardware and other products included or sold with the Services are provided solely according to the warranty and other terms specified by the manufacturer, who is solely responsible for service and support for its product. For service, support, or warranty assistance, you should contact the manufacturer directly. BRAIN&PAPER MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH THIRD PARTY PRODUCTS, AND EXPRESSLY DISCLAIMS ANY WARRANTY OR CONDITION OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE.


“Disputes” are defined as any claim, controversy, or dispute between you and Brain&Paper, its processors, suppliers or licensors (or their respective affiliates, agents, directors or employees), including any claims relating in any way to these General Terms, any Additional Terms, or the Services, or any other aspect of our relationship.

Binding Individual Arbitration

You and Brain&Paper agree to arbitrate any and all Disputes by a neutral arbitrator who has the power to award the same damages and relief that a court can. ANY ARBITRATION UNDER THESE GENERAL TERMS WILL ONLY BE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, PRIVATE ATTORNEY GENERAL ACTIONS, REPRESENTATIVE ACTIONS AND CONSOLIDATION WITH OTHER ARBITRATIONS ARE NOT PERMITTED. YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST BRAIN&PAPER. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision will be severed, and the remaining arbitration terms will be enforced (but in no case will there be a class or representative arbitration). All Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator administered by the American Arbitration Association according to this Section and the applicable arbitration rules for that forum. Consumer claimants (individuals whose transaction is intended for personal, family, or household use) may elect to pursue their claims in their local small-claims court rather than through arbitration so long as their matter remains in small claims court and proceeds only on an individual (non-class or non-representative) basis. The Federal Arbitration Act, 9 U.S.C. §§ 1-16, fully applies. If you are a consumer bringing a claim relating to personal, household, or family use, any arbitration hearing will occur within the county where you reside. Otherwise, any arbitration hearing will occur in New York County, New York, or another mutually agreeable location. The arbitrator’s award will be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. We will pay the arbitration fees due to the American Arbitration Association for individual arbitrations brought in accordance with this section. If you prevail on any claim for which you are legally entitled to attorney’s fees, you may seek to recover those fees from the arbitrator. For any claim where you are seeking relief, we will not seek to have you pay our attorney’s fees, even if fees might otherwise be awarded, unless the arbitrator determines that your claim was frivolous. For purposes of this arbitration provision, references to you and Brain&Paper also include respective subsidiaries, affiliates, agents, employees, predecessors, successors and assigns as well as authorized users or beneficiaries of the Services. Subject to and without waiver of the arbitration provisions above, you agree that any judicial proceedings (other than small claims actions in consumer cases) will be brought in and you hereby consent to the exclusive jurisdiction and venue in state court in New York County, New York, or federal court for the Southern District of New York.

Governing Law

These General Terms and any Dispute will be governed by New York law and/or applicable federal law (including the Federal Arbitration Act) as applied to agreements entered into and to be performed entirely within New York, without regard to its choice of law or conflicts of law principles.

Limitation on Time to Initiate a Dispute

Any action or proceeding by you relating to any Dispute must commence within 90 days after the cause of action accrues.


These General Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void.

Third Party Services and Links to Other Web Sites

You may be offered services, products and promotions provided by third parties and not by Brain&Paper (“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 for the performance of any Third Party Services. The Services may contain links to third party websites. The inclusion of any website link does not imply an approval, endorsement, or recommendation by Brain&Paper. Such third party websites are not governed by these General Terms. 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 Brain&Paper 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.

Force Majeure

Brain&Paper shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to, acts of God, war, terrorism, riots, embargos, acts of civil or military authorities, fire, floods, accidents, strikes or shortages of transportation facilities, fuel, energy, labor or materials.


You are responsible for providing Brain&Paper with your most current email address. In the event that the last email address you provided to Brain&Paper is not valid, or for any reason is not capable of delivering you notices required/permitted under these Terms, Brain&Paper’s dispatch of the email containing such notice will constitute effective notice. You may give notice to Brain&Paper at the following address: (530-B Harkle Rd. St, SF, NM 87505) Such notice shall be deemed to be given when received by Brain&Paper by letter delivered by nationally recognized overnight service or first class postage prepaid mail at the above address.

Other Provisions

These General Terms, and any applicable Additional Terms or Policies, are a complete statement of the agreement between you and Brain&Paper regarding the Services. In the event of a conflict between these General Terms and any other Brain&Paper agreement or Policy, these General Terms will prevail and control the subject matter of such conflict. If any provision of these General Terms or any Additional Term is invalid or unenforceable under applicable law, then it will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. These General Terms do not limit any rights that we may have under trade secret, copyright, patent, or other laws. No waiver of any term of these General Terms will be deemed a further or continuing waiver of such term or any other term.

Brain&Paper Payment Terms

By using Brain&Paper, LLC. (“Brain&Paper,” “we,” “our,” or “us”) payment services (“Payment Services”), you agree to be bound by the General Terms of Service (“General Terms”), these additional terms and conditions (“Payment Terms”) and all other terms, policies and guidelines applicable to the Services (as defined in the General Terms) used.

If you are using the Payment Services on behalf of a business, that business accepts these terms. Payment Services may only be used for business purposes in the fifty states of the United States of America and the District of Columbia. Defined terms will have the same meaning as those found in the General Terms, unless otherwise re-defined herein.

Brain&Paper Payment Refunds and Unloads 

Refunds/unloads may be requested but are subject to the fees stated in our terms and conditions. Any additional expenses Brain&Paper may incur in the process of a refund/unload is your responsibility. Additional expenses will be removed from the refund amount. Virtual card purchase fees are non-refundable. 

Payment Services

Brain&Paper offers Payment Services that allow you to authorize the purchase of goods and services online. We are not a bank and do not offer banking services as defined by the United States Department of Treasury. You must open a Brain&Paper Account before accessing the Payment Services.

Your Authorization

In connection with the Payment Services, you authorize us to act as your agent for the limited purposes of making payments on your behalf. Your authorization permits us to generate virtual payment cards (“Virtual Cards”) for every transaction that you authorize. Your authorizations will remain in full force and effect until you close a Virtual Card or your Brain&Paper Account is closed or terminated.

Virtual Cards are not issued to you and are not for consumer use. They are issued to Brain&Paper and are used exclusively by Brain&Paper to make payments on your behalf. You cannot use Virtual Cards in any way beyond their intended purpose.

Using the Service to Authorize Payments

For security and fraud protection, there is an initial limit on the dollar amount you can authorize in a transaction and there is an initial limit on the total dollar amount you can authorize over a period of time. The maximum amount of a single load and the maximum total balance for your account is $3,000. The per day, per week and per calendar month limits are subject to increase or decrease at our discretion based on an algorithmic review process and a manual review process.

Bank Transfer Authorization


You authorize the Company to initiate loads from your bank account or preferred load method up to $3,500. You agree that load transactions you authorize comply with all applicable law.

When your bank account is used as your funding source for a transaction, you are requesting that we initiate on your behalf an electronic transfer from your bank account. You agree that such requests constitute your authorization to Company to make the transfer, and once you have provided your authorization for the transfer, you will not be able to cancel the electronic transfer and Company may resubmit any debit you authorized that is returned for insufficient or uncollected funds, except as otherwise provided by applicable law.

Prohibited Industries

You may not use the Payment Services for the following businesses or activities: (1) any illegal activity or goods, (2) paraphernalia that may be used for illegal activity (3) unauthorized multi-level marketing businesses, (4) rebate based businesses, (5) betting, including lottery tickets, sports related gambling, casino gaming chips, off-track betting, and wagers at races, (6) manual or automated cash disbursements, (7) prepaid cards or checks (8) sales of money-orders or foreign currency, (9) wire transfer money orders, (10) high-risk products and services, including telemarketing sales.

Transaction Fees

The following fees are assessed when we settle a transaction to your funding source.

Fee Type

Fee Amount

Fund with Bank Account, iDeal

Up to 3% + $2.9

Fund with Alipay, Bancontact, Przelewy24

Up to 3% + $2.9

Fund with Credit Card

Up to 3% + $1

Fund with Cryptocurrency

Up to 2.9% + network fee

Card Creation



Conversion to US Dollars

Transactions made in currencies other than U.S. Dollars will be converted by the network or card association that processes the transaction into U.S. Dollars. The card association may consider transactions occurring in U.S. territories to be an international transaction. Conversion to U.S. Dollars may occur on a date other than the date of the transaction, thus the actual conversion rate may differ from the rate in effect at the time of the transaction. You agree to pay the converted amount plus any applicable conversion charges made by the network or card association that processes the transaction.

Brain&Paper Account Registration for Payment Services

You must open a Brain&Paper Account to access Payment Services. In order to use Payment Services, you must be at least 18 years old. You must use yours or your business’ true and accurate name when opening a Brain&Paper Account.

Underwriting and Identity Verification

To help the government fight the funding of terrorism and money laundering activities, federal law requires us to obtain, verify and record information that identifies each person who requests to use Payment Services.

What this means for you: When you open a Brain&Paper Account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also require you upload a copy of your nationally issued ID or passport. You are not permitted to create a Brain&Paper Account using another person’s ID or passport.

We may make inquiries that we consider appropriate and use third party services to help us verify your identity and determine if we should open, maintain, collect or close your account. We may also report the status, history and/or closure of your account to third-party services.

If you allow someone else to use your Brain&Paper Account, you are responsible and liable for all transactions, withdrawals, deposits and fees that arise out of such use.

Requests for Additional Information and Inspection

Brain&Paper may request additional information from you at any time. For example, Brain&Paper may ask you to present a government issued identification such as a passport or driver’s license, a business license, or other information. If you refuse any of these requests, your Brain&Paper Account may be suspended or terminated.

Adding a Funding Source

Payments made by Brain&Paper on your behalf are settled to an authorized funding source. In order to use Brain&Paper’s Payment Services, you must first add an eligible funding source to your Brain&Paper Account via the Brain&Paper website or mobile app. By connecting a funding source, you are pre-authorized recurring transfers by Brain&Paper from that funding source.

If you add a funding source to your Brain&Paper Account, you agree that:

  • You are the owner of the funding source;
  • You are authorized to transfer funds from that funding source; and
  • You authorize us to initiate debits from your funding source according to your instructions.

Any authorizations to debit a funding source will remain in full force and effect until you cancel the authorization by removing the funding source. You can remove a funding source on the Brain&Paper website. If you cancel your authorization, you will give us enough time to act on your cancellation.


Each time a payment is made by Brain&Paper on your behalf, the amount of the transaction will be settled from your designated funding source. If Brain&Paper is not able to settle a transaction with your account, your Brain&Paper Account may be suspended.

Availability of Payment Services

We may restrict your access to Payment Services if we need to conduct an investigation or resolve any pending dispute related to your use of the Payment Services. We may also restrict access to Payment Services as necessary to comply with applicable law or court order, or if requested by any governmental entity.

Brain&Paper Account History

When a payment is made on your behalf we will update your Brain&Paper Account activity on the website and provide you a transaction confirmation. The confirmation will serve as your receipt. Summaries of your Brain&Paper Account activity, including monthly statements, are available on our website for up to one year of account activity. Except as required by law, you are solely responsible for (a) compiling and retaining permanent records of all transactions and other data associated with your Brain&Paper Account and your use of the Payment Services, and (b) reconciling all transactional information that is associated with your Brain&Paper Account. If you believe that there is an error or unauthorized transaction activity is associated with your Brain&Paper Account, you must contact us immediately.

Processing Errors

We will attempt to fix processing errors we discover. If the error resulted in your payment of an amount larger than what you authorize we will transfer the difference to your linked bank account. If the error resulted in your payment of an amount less than what you authorized Brain&Paper will debit the extra funds from your linked bank account. We will only correct transactions that are processed incorrectly if you notify us with (1) your name and Brain&Paper Account information, (2) A description of the error or transaction and why you believe it is an error or why you need more information and (3) the dollar amount of the suspected error. Please notify us of such an error by email support@brainandpaper.com or writing to us at (Brain&Paper, LLC., 530-B Harkle Rd, SF, NM 87505) as soon as possible. Your failure to notify us of a processing error within sixty (30) days of when it first appears on your electronic transaction history will be deemed a waiver of any right to amounts owed to you.

Payment Dispute Resolution Procedure

You agree to comply with our Payment Dispute Procedure for any payments in relation to any Payment Services provided by Brain&Paper. If you’re unable to resolve a transaction related issue directly with a merchant, please notify us via your Brain&Paper dashboard. This is our process for resolving disputes.

1: Open a dispute case within ninety (90) days of the date of the transaction in question via your Brain&Paper dashboard by clicking on the transaction and the dispute button in the top right corner of modal that pops up. Depending on your claim (item not received or refund not received), we may ask you to wait 10 business days from the transaction date to proceed with the payment dispute.

2: Respond to our requests for other information. Brain&Paper may require you to provide receipts, third party evaluations, police reports or other documents depending on the situation. You must respond to these requests in a timely manner as requested in our correspondence with you.

3: Comply with Brain&Paper’s shipping requests in a timely manner, if you’re filing a Significantly Not as Described claim, we may require you, at your expense, to ship the item back to the seller, to us, or to a third party (specified by Brain&Paper) and to provide signature confirmation proof of delivery.

4: Brain&Paper will make a final decision on your claim, in its sole discretion, based on the coverage and eligibility requirements set forth above, any additional information provided during the online payment dispute resolution process or any other information Brain&Paper deems relevant and appropriate under the circumstances.

Excessive Payment Disputes

If we believe you might incur, or you are incurring, an excessive number of Payment Disputes, we may establish additional conditions governing your Brain&Paper Account, including terminating or suspending the Payment Services.

Restricted Use

You will not act as a payment facilitator or otherwise resell the Payment Services to any third party. You will not use the Payment Services to handle, process or transmit funds for any third party.

Unauthorized or Illegal Use

You will only use your Brain&Paper Account for transactions that are allowed by law. We may decide not to authorize or settle any transaction that you submit to us if we believe that the transaction is in violation of these terms or any other agreement with Brain&Paper, or that it exposes you, our customers, our processors, merchants or Brain&Paper to harm. Harm includes fraud and other criminal acts. If we suspect that your Brain&Paper Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your Brain&Paper Account, and any of your transactions with law enforcement and, as deemed necessary by Brain&Paper, our payment processing and financial institution partners.

We hold the discretion to close your account if you are improperly/unethically using the Brain&Paper Virtual Payment Cards. This includes:

  • Selling of free trials from US Services
  • Purchases at restricted merchants
  • Any activities that might be fraudulent or against our terms of service. These are investigated/reviewed on a case by case basis

Additional Indemnity

In addition to the General Terms, you will indemnify, defend, and hold us and our processors (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, Tax assessments, penalties, interest, and expenses (including reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to any transaction submitted by you through the Payment Service.

Set Off

You acknowledge that, except as otherwise prohibited by law, Brain&Paper will have the right to charge or set off against your account any indebtedness or other obligations which you or any owner owe us, at any time, without any further notice to or demand on you, whether the indebtedness or other obligations exist at the time the account is opened or arise later. The indebtedness includes, without limitation, all charges incurred on any account you hold with Brain&Paper. You agree that Brain&Paper may set off against the account any claim which we have against you without regard to the source or ownership of the funds on deposit in the account and without requirement that the claim be owed to us by all of the account owners. You also agree that, to the extent allowed by law, Brain&Paper may set off any indebtedness or other obligations which you owe us under this Agreement against any other account or property in which you have an ownership interest that is in Brain&Paper’s possession or control.

Brain&Paper Credits

Your account may contain Brain&Paper Credits. Brain&Paper Credits can be used for payment of an eligible purchase made with your Brain&Paper account. Unless expressly stated otherwise, unused Brain&Paper Credits may expire after twelve months of account inactivity. Brain&Paper Credits are not redeemable for cash, cannot be transferred, gifted, exchanged, or sold between users.


Your eligibility to participate in any Brain&Paper.com promotions is at our sole discretion. Brain&Paper.com reserves the right to terminate any promotions at any time and to refuse or recover any promotion award for any reason, including, but not limited to, your breach of these Terms.

Referral Program

New and current Brain&Paper, LLC (“Brain&Paper”) users who have accounts may be provided with a unique referral URL that permits the Brain&Paper user (each a “Referrer Customer”) to refer acquaintances to Brain&Paper. Referred customers (each, a “Referred Customer”) must register for Brain&Paper using the unique URL provided by Brain&Paper.

Subject to these terms and conditions, any Referrer Customer that refers an acquaintance to Brain&Paper will receive up to $5 in Brain&Paper account credit (“Referrer Bonus”) for every such referral when the Referred Customer successfully registers and makes a qualifying transaction with Brain&Paper (the “Referral Offer”).

In addition, the Referred Customer will receive up to $5 in Brain&Paper credit off his or her first purchase using Brain&Paper’s software upon his or her successful registration with Brain&Paper (“Referred Bonus”). Referrer Bonuses and Referred Bonuses will be credited within 24 hours after a Referred Customer successfully makes a qualifying transaction with Brain&Paper.

Determination of program eligibility and qualifying referrals are at the sole discretion of Brain&Paper. Brain&Paper reserves the right to verify and adjust referral credits at any time prior to or following credit. Your Brain&Paper account must be active and in good standing, as determined by Brain&Paper at its sole discretion, to receive the Referrer Bonus or Referred Bonus.

This Referral Offer is intended for Brain&Paper customers only to refer their acquaintances to Brain&Paper and should not be advertised, marketed or otherwise utilized for commercial purposes. This Referral Offer is a limited time offer and Brain&Paper reserves the right to modify, suspend or cancel this Referral Offer at any time without notice.

Additional Representations, Warranties, and Covenants

In addition to the General Terms, with each Virtual Card transaction you process through the Payment Services, you represent, warrant and covenant to us that: (a) the Virtual Card transaction represents a bona fide sale; (b) the Virtual Card transaction accurately describes the goods and/or services obtained from the merchant; (c) you will fulfill all of your obligations to the merchant and will resolve any dispute or complaint directly with the merchant; (d) you and the Virtual Card transaction comply with all federal, state, and local laws, rules, and regulations applicable to you, including any applicable tax, wage and hour, and tip laws and regulations; (e) except in the ordinary course of business, you are not submitting a transaction that represents a sale to any principal, partner, proprietor, or owner of your entity; and (f) you are not submitting a transaction involving your own merchant.

Termination of Payment Services

Brain&Paper may Terminate your use of the Payment Services at any time for any reason. Any termination of these terms does not relieve you of obligations to pay Fees or costs accrued prior to the termination, Chargebacks, and any other amounts owed to us as provided in these Payment Terms or the Terms of Service. In the event your Brain&Paper account has a negative balance, Brain&Paper reserves the right to withhold refunds or credits to settle the negative balance. If your access to Payment Services has been terminated, you may still be permitted to use Brain&Paper’s other products, subject to our discretion.

Last Updated: Feb 16, 2021 14:38 PM