“Synapse” means Synapse Financial Technologies, Inc., a technology service provider and its application, website, and, as applicable, its wholly owned subsidiaries, including but not limited to, Synapse Credit LLC (“Synapse Credit”), a state-licensed lender, and Synapse Brokerage LLC (“Synapse Brokerage”), a registered broker-dealer and member of FINRA and SIPC. For agreements, disclosures, and other documents related to Synapse Credit and Synapse Brokerage, Synapse-Enabled Services, and third-party financial institutions (“Partner Financial Institutions”), please see the applicable section below. 

Use of Synapse’s application, website, and Synapse-Enabled Services are subject to the below agreements and policies, as well as the specific agreements and policies, as applicable, of Synapse Credit, Synapse Brokerage, and applicable third-party financial institutions. 

Synapse is not a Bank. It provides certain technologies and services to third-party platforms (each a “Platform”) to allow users of a Platform access to banking or other financial services from one or more financial service providers through the Platform. By using a Platform, you understand that you will be subject to the below, unless otherwise provided:

By participating in a Synapse-Enabled Service that is not contemplated in the above Synapse Terms of Service, including participating in a designated cash management program, you understand that you will instead be subject to the below. Capitalized terms used in this section not defined herein may be defined in the Synapse Terms of Service available below.

For information regarding the specific Program Banks participating in a Synapse cash management program, please visit the List of Program Banks. Based on the terms of the cash management program you participate in, you understand that you are subject to various agreements, including other agreements between you and the participating Program Bank.

Loans and other lending products may be provided to you by Synapse Credit, a licensed U.S. lender in “Designated States.” Synapse Credit is not a bank.