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MoneyLion Terms of Service

Last Updated: Sep 24, 2024

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SITE OR THE MONEYLION APP OR ANY OF OUR SERVICES. BY AGREEING TO THESE TERMS, YOU WILL BECOME SUBJECT TO AN ARBITRATION PROVISION WITH CLASS ACTION AND JURY TRIAL WAIVERS.

Your use of our website at www.moneylion.com and any of its subdomains, and any other websites owned and hosted by MoneyLion (together, our “Site”), and our mobile application (the “MoneyLion App”, and together with our Site, the “MoneyLion Platform”) is governed by these MoneyLion Terms of Service (“MoneyLion Terms”). By using or accessing the MoneyLion Platform, you confirm that you understand and accept these MoneyLion Terms and our Privacy Policy and Financial Privacy Notice, which are incorporated into these MoneyLion Terms by reference, and that you agree to comply with them. You agree that these MoneyLion Terms are the legal equivalent of a signed, written contract and constitute a legally binding agreement between us and you, as a user of the MoneyLion Platform.  If you do not agree, you must not use the MoneyLion Platform.

The MoneyLion Platform is operated by MoneyLion Technologies Inc., its affiliates, and agents. All references to “MoneyLion,” “we”, “us” or “our” in these MoneyLion Terms shall include affiliates, which shall mean any entity or person, directly or indirectly, owning a controlling interest in, owned by, or under common ownership or control with, MoneyLion Technologies Inc., including, without limitation, ML Enterprise Inc. (“Engine by MoneyLion” or “Engine”).

If you have any comments, concerns, or questions regarding these MoneyLion Terms, please call 1-844-224-0087 or email us by visiting https://www.moneylion.com/contactus/. 

  1. Other Terms May Apply

We offer access to certain online content, tools, products, services, memberships, and other offerings,, including, but not limited to, Financial Services (as defined below) (collectively, “Services”). Services accessed through the MoneyLion Platform may be offered by us or by, or in conjunction with, third-party financial institutions or other partners or service providers. Access to these Services may be subject to additional terms and conditions or other agreements specific to these Services (“Additional Terms”). These MoneyLion Terms hereby incorporate by reference any Additional Terms to which you may agree. If there is a conflict between these MoneyLion Terms and the Additional Terms, such other Additional Terms will take precedence with respect to the specific aspects of the Service to which they apply. 

  1. These Terms May Change

We may update and amend these MoneyLion Terms from time to time in our sole discretion, including by adding, deleting or modifying terms. If the changes to these MoneyLion Terms materially modify your rights or obligations, they will be effective on the earlier of the date upon which you consent to them or thirty (30) days from the date on which we notify you of the updates. If the changes do not materially modify your rights or obligations, they will be effective when posted on any part of the MoneyLion Platform, and your continued use of the MoneyLion Platform after the posting of any changes to these MoneyLion Terms will mean that you accept and agree to the changes. Every time you wish to use the MoneyLion Platform, please check these MoneyLion Terms to ensure you understand the terms that apply to you at that time.

  1. How to Access Our Services

In order to access or use any of our Services, you will be required to log into the Site or the MoneyLion App and create an account (your “MoneyLion Account”). To be eligible to use our Services, you must:

  • Reside in the United States. The MoneyLion Platform and our Services are intended to be made available only to individuals who are legal residents of the fifty (50) United States or the District of Columbia. Nothing on the MoneyLion Platform shall be considered a solicitation to sell products or services to any non-U.S. persons or to subject us to non-U.S. laws or regulations. We make no representations or warranties that the information, products, or services provided through our Services, or our Content (defined below), are appropriate for access or use in other jurisdictions. 
  • Be of legal age in your state of residence – You must be at least 18 years old to use the MoneyLion Platform or any of our Services.
  • Provide your full legal name and have a valid and unique email address.

We offer access to certain financial products and services (“Financial Services”) that may require establishing accounts through the MoneyLion Platform, either with a MoneyLion entity or a third-party financial institution partner. Accessing and maintaining accounts to access these Financial Services may be subject to additional eligibility requirements and to Additional Terms, which will be disclosed to you before you sign up. We do not guarantee that you will qualify or be able to use any particular Financial Service, even if your MoneyLion Account is in good standing. 

  1. Our Services May Change

We reserve the right to make changes to how we operate our business, including to any portion of the MoneyLion Platform, including adding new Services, modifying existing Services, or suspending, discontinuing, or terminating your access to any or all portions of our Services, at any time, in our sole discretion, and without notice to you. We will not be liable if for any reason all or any part of the MoneyLion Platform is unavailable at any time or for any period. From time to time, we may restrict access to some or all of the MoneyLion Platform to users, including registered MoneyLion Account users. 

  1. Your Responsibilities

A. Account Security

You are responsible for maintaining the security of the login credentials for your MoneyLion Account. Your MoneyLion Account may include personal and sensitive information, including financial information, and you should treat your login credentials, such as your name, username or password as confidential. You may not allow others to use your MoneyLion Account; this includes furnishing your username and password to third-party developed applications to connect to your MoneyLion Account for any reason, unless authorized by MoneyLion. You are responsible for all activity that occurs under your MoneyLion Account, including any activity by unauthorized users.  If you become aware of unauthorized access to your MoneyLion Account, change your password and notify us immediately through our Contact Us Page. We will not be liable for any loss or damage arising from your failure to comply with this Section.

B. Providing Accurate and Updated Information; Credit Authorization

You certify that the information you provide to us at any point, including in connection with the registration process of your MoneyLion Account or with the use of the MoneyLion Platform, is true, accurate, current, and complete. You agree that you will maintain and update such information regularly.

You also agree to provide any information or documentation reasonably requested by us to verify your identity and other information provided by you. You agree that we or our agents may contact third parties, including consumer reporting agencies, to verify such information and prevent fraud. 

By searching for Third-Party Offers (as defined below) or signing up for credit monitoring services on the MoneyLion Platform, you also provide written instruction in accordance with the Fair Credit Reporting Act (“FCRA”) and other applicable laws for MoneyLion Technologies Inc. and its subsidiaries and affiliates to request and receive your consumer report data (“Consumer Report Data”) from consumer reporting agencies, now and periodically in the future, for the purpose of (a) connecting you to such Third-Party Offers from third-party business partners (in the case of searching for Third-Party Offers), (b) providing you with updates on your credit score, and other related trends, insights, tips, and information (in the case of signing up for credit monitoring services), in each case in accordance with your instructions, and (c) as otherwise appropriate where there is a legitimate business need in connection with a transaction initiated by you. You understand that these “soft” credit inquiries or credit monitoring services will not impact your credit score and you also authorize us to share your Consumer Report Data with third-party service providers, strictly as necessary for them to perform certain business functions. 

C. Your RoarTag

When creating a MoneyLion Account, you are assigned a unique alpha-numeric name to identify yourself on the MoneyLion Platform (a “RoarTag”). If you have been assigned a RoarTag, you may subsequently change your RoarTag by going to your profile in the MoneyLion App or on the Site and following the prompts. You may not select a RoarTag that misleads or deceives others as to your personal identity or creates an undue risk of chargebacks or mistaken payments, in our sole discretion. You also may not select a RoarTag that contains the words “MoneyLion” or “Admin” or any similar words. We may require you to change your RoarTag at our sole discretion, and we may deactivate your MoneyLion Account, or reclaim or make unavailable your RoarTag, without liability to you. 

D. User Content

I. Intellectual Property Rights in User Content

If you post or upload any content, data or other materials to the MoneyLion Platform, or if you engage with any posted content in the MoneyLion Platform, including but not limited to, by commenting or liking on anyone else’s posted content (together, “User Content”), then you represent and warrant to us that you own all right, title and interest in your User Content, and that you have the authority or license to post, upload or otherwise share your User Content with MoneyLion. You retain all ownership rights in your User Content, but by uploading or submitting any User Content to the MoneyLion Platform, you grant us a non-exclusive, transferable, unlimited, worldwide, perpetual, irrevocable, sub-licensable and royalty-free license to use, modify, adapt, reproduce, make derivative works of, publish and/or transmit, and store that User Content and to distribute and make it available to third parties for the purposes of providing, developing, optimizing, improving and promoting or enhancing the MoneyLion Platform or any of our Services, or any other products or services, whether offered by MoneyLion or a third party, that may be relevant to your User Content. Such license includes our ability to use your RoarTag, image, voice, and likeness, to identify you as the source of any of your User Content.

You acknowledge that if you post User Content to or through the MoneyLion Platform, your RoarTag and any other User Content you provide may be visible to other MoneyLion users. All User Content will be considered non-confidential. You must not post or otherwise transmit any User Content through the MoneyLion Platform that you consider to be confidential, including but not limited to, your personal information or any specific financial information, e.g., your bank account details.

You also acknowledge that if you post User Content to or through the MoneyLion Platform, MoneyLion may use or display such User Content in connection with generating promotional or marketing materials related to such User Content. Except as specifically permitted by us in these MoneyLion Terms or in another agreement you enter into with us, you waive any rights to prior inspection or approval of such marketing or promotional materials, and you will have no right to be compensated for MoneyLion’s use of your User Content or share in any goodwill or value generated by such use.  Any such use of your User Content is subject to MoneyLion’s Privacy Policy. You have the right to opt-out of MoneyLion’s use of your User Content for promotional or marketing purposes by calling 1-844-224-0087 or by emailing us at [email protected], understanding that such opt out shall not apply to any uses that were already publicly disseminated (including by being published on the MoneyLion Platform) prior to your exercise of this opt-out right.

II. User Content Rules 

You also agree not to post, upload, create or publish through the MoneyLion Platform any User Content that, as determined in our sole judgment:

  • Is libelous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, violent, harassing, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, invasive of privacy or publicity rights, fraudulent, deceptive or otherwise objectionable;
  • Is illegal or unlawful, that would constitute, encourage, or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national, or international law;
  • May infringe or violate any patent, trademark, trade secret, copyright, or other intellectual or proprietary right of any party;
  • Contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences, that is false or inaccurate, or that is likely to mislead, deceive, or confuse others;
  • Contains or depicts private information of any third-party including, but not limited to, addresses, phone numbers, email addresses, Social Security numbers, or credit card numbers; 
  • Contains viruses, Trojan horses, spyware, malware, or other malicious technologies that could damage the operation of the MoneyLion Platform or the Services; or 
  • Violates these MoneyLion Terms or any Additional Terms.

Although we’re not obligated to monitor access to or use of the MoneyLion Platform or to review or edit any User Content, we have the right to do so for the purpose of operating the Services, to ensure compliance with these MoneyLion Terms and any Additional Terms, to comply with applicable law or other legal requirements, and to maintain the integrity and reputation of the Services and the MoneyLion Platform. We have the right to remove any User Content that you upload or publish if we determine, in our sole discretion, that your User Content does not comply with the above standards, or in response to complaints from other users or third parties, with or without notice and without any liability to you. We also have the right to disclose your identity to any third party who is claiming that your User Content is a violation of their intellectual property or privacy rights, or as necessary to consult and cooperate with law enforcement authorities to prosecute users who violate the law.

III. Feedback

Unless otherwise indicated, if you send or transmit any communications, comments, questions, suggestions, or related content to MoneyLion, whether through the MoneyLion Platform, by engaging with MoneyLion social media pages or handles on third-party platforms, by mail, e-mail, telephone, survey, or otherwise, suggesting or recommending changes, enhancements or improvements to the Site, the MoneyLion App, or the Services (“Feedback”), then you hereby grant us a non-exclusive unrestricted, perpetual, irrevocable, transferable, sub-licensable, royalty-free license to use your Feedback in any manner and for any purpose to provide, optimize, improve, promote, enhance or market our Services, and to create new products and services. This license includes the right to use your name, persona, RoarTag, and likeness for the foregoing purposes without compensating you, in a manner consistent with our Privacy Policy.

IV. Assumption of Risk

You acknowledge and agree that when you view User Content provided by others in the MoneyLion Platform, you are doing so at your own risk. You acknowledge that the User Content has not been verified or approved by MoneyLion, and that MoneyLion has no obligation to pre-screen, monitor, review or edit any User Content posted by you or other users on the MoneyLion Platform. By using the MoneyLion Platform or any of the Services, you may be exposed to User Content that is offensive, indecent, inaccurate, or objectionable. We take no responsibility and assume no liability for any User Content, including any loss or damage to your User Content. The views expressed by other users on or through the MoneyLion Platform or any of our Services do not represent our views or values. If you wish to report concerns with User Content posted by others, please contact us through our Contact Us Page. 

E. Prohibited Activities

While using the MoneyLion Platform, you agree to comply with all applicable laws, rules and regulations, in addition to these MoneyLion Terms and any Additional Terms. We reserve the right to terminate your access to or use of any part of the MoneyLion Platform, and any of the Services, including terminating your access to your MoneyLion Account (or any part thereof) if you fail to comply with any such law, regulation or rule, or with these MoneyLion Terms and any Additional Terms.

You also agree not to use, or to assist or enable any others to use, the MoneyLion Platform, your MoneyLion Account or any of the Services in furtherance of or in connection with any unlawful or fraudulent activity. This means that you agree not to do any of the following:

  • Violate these MoneyLion Terms or any Additional Terms;
  • Breach any applicable laws or regulations, third-party rights  or agreements with us,  including these MoneyLion Terms and any Additional Terms;
  • Obtain or use any Consumer Report Data under false pretenses or in violation of the FCRA or applicable state or federal law;
  • Perform any fraudulent activity, including accessing the accounts of other users without permission, impersonating any person or entity, claiming false affiliations, or falsifying your identity or any information about you, including age or date of birth; 
  • Sell or offer, or do any activity that can be construed as an attempt to sell or offer, (i) pornography and other obscene materials, sexually-related services such as prostitution, escorts, pay-per-view, or adult live chat features; (ii) tobacco, weapons, or other regulated products or any other products that may have varying legal statuses, including on a state-by-state basis; (iii) unproven or risky health products or services; (iv) counterfeit goods or services, brand name or designer products or services in a way that is unauthorized, or goods or services that are illegally imported or exported or which are stolen; (v) deceptive or predatory products or services; (vi) any other goods or services as part of any pyramid scheme, network marketing or referral marketing programs; or (vii) any other risky goods or services, as determined by us in our sole discretion;
  • Provide false, inaccurate or misleading information to us or any of our third-party partners;
  • Avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any technological measure implemented by MoneyLion or any of MoneyLion’s providers or any other third party (including another user) to protect the MoneyLion Platform or Services; 
  • Use any device, software, routine, file, or other tool or technology, including but not limited to any viruses, Trojan Horses, worms, time bombs or cancelbots, intended to damage or interfere with any of the Services or service to any user, host or network, or otherwise attempt to disrupt our business, or to surreptitiously intercept or expropriate any system, data, or personal information from the MoneyLion Platform, Services, or the MoneyLion network;
  • Use any automated or programmatic method to extract data or output from the MoneyLion Platform, Services, or the MoneyLion network, including scraping, web harvesting, or web data extraction; 
  • Commit unauthorized use of the MoneyLion Platform, your MoneyLion Account or any of the Services, including, but not limited to, unauthorized entry into our systems, seeking access to data that is not intended for you, misuse of passwords, or misuse of any information posted to the MoneyLion Platform; 
  • Probe, scan, or test the vulnerability of this MoneyLion Platform or network or breach security or authentication measures without proper written authorization from MoneyLion;
  • Bypass any territorial restrictions, including IP address-based restrictions that may be applied to the MoneyLion Service;
  • Take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial-of-service attacks, “spam”, “flooding”, “mail bombing”, “crashing”, or any other such unsolicited overload technique;
  • Send unsolicited mail or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters, or other forms of solicitation;
  • Attempt to use or launch any automated system, including robots, spiders, intelligent agents, software, tools, engineers, or other means to navigate or search the  MoneyLion Platform, other than those generally available through third-party web browsers such as Microsoft Explorer or Google Chrome;
  • Modify, copy, distribute, publish, license or sell any content on the MoneyLion Platform or accessed through the Services, or any derivative work based on the foregoing, without MoneyLion’s prior written consent;
  • Otherwise attempt to invade the privacy of, obtain the identity of, or obtain any personal information about any other customer or user of the MoneyLion Platform or any of the Services; 
  • Use the MoneyLion Platform or any of the Services for competitive purposes, including to reverse engineer, decompile, or otherwise translate any part of the MoneyLion Platform, our Services or any of our technology, or to engage in mystery shopping; or 
  • Encourage or enable any other individual to do any of the foregoing.

Violations of system or network security may result in termination of your account and civil or criminal liability.

F. Copyright Complaints

We respect the intellectual property rights of others, and we ask our users to do the same. Each user is responsible for ensuring that their User Content does not infringe any third party’s right or other intellectual property rights. We may, in appropriate circumstances and in our sole discretion, terminate the rights of any user who uses the MoneyLion Platform (or any part thereof) to infringe the rights of others.

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that their rights have been infringed. If you believe that your work has been copied in a way that constitutes a copyright infringement, please contact us in the manner described below and include the following information:

  • Your name, mailing address, telephone number, and email address;
  • Identification of the copyrighted work claimed to have been infringed (please provide a list if multiple copyrighted works are covered);
  • Identification of the material that is claimed to be infringing or the subject of the infringing activity, and information reasonably sufficient so that we can locate it on the MoneyLion Platform;
  • A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and
  • A statement by you that the information in your notification is accurate, and that you attest under penalty of perjury, that you are the copyright owner or that you are authorized to act on the copyright owner’s behalf.
  • Your electronic or physical signature. 

Upon receipt of any notice, we will take whatever action that we deem appropriate in our sole discretion, including the removal of the challenged material from the MoneyLion Platform.

MoneyLion may disclose any communications, including your contact information, concerning DMCA or other applicable copyright notices or other intellectual property complaints, with third parties, including the users who have posted the allegedly infringing material.

If you believe, in good faith, that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter notice. Counter notices should also be sent to us in the manner described below.

If you have questions about the legal requirements of a DMCA notice, please contact an attorney or see Section 512(c)(3) of the U.S. Copyright Act, 17 U.S.C. § 512(c)(3), for more information. If you have questions about the legal requirements of a DMCA counter-notification, please contact an attorney or see Section 512(g)(3) of the U.S. Copyright Act, 17 U.S.C. § 512(g)(3), for more information.

Contact Information

ATTN: Notice of Copyright Infringement
Legal Department
MoneyLion
249 West 17st Street, 4th Floor
New York, NY 10011
email: [email protected] (please include “Notice of Copyright Infringement” in the subject line)

  1. Third-Party Offers

The MoneyLion Platform provides users with access to deals offered by MoneyLion’s third-party partners, which may include offers for financial or non-financial products and services, or rewards or savings on purchases (such offers, “Third-Party Offers”). Third-Party Offers may be offered to you based on information you have provided to MoneyLion and may be offered to you at no additional cost or for a specified fee.  We do not guarantee that you will be presented with Third-Party Offers for any particular types of products or services or that you will meet the eligibility or approval criteria for any particular Third-Party Offer. It is entirely your choice whether to apply for a Third-Party Offer and you do so at your own risk. While checking for Third-Party Offers does not result in a hard inquiry or affect your credit score, you confirm that you understand that if you choose to apply for a Third-Party Offer with a third-party partner, that partner may run a hard inquiry, which can impact your credit score.  

You acknowledge that MoneyLion does not provide, nor does it warrant or guarantee, any Third-Party Offer.  All rates, fees, and terms are subject to change pursuant to each third-party partner’s discretion, and may not be available in all states or for all types of products offered. There is no guarantee that you will be approved or qualify for the advertised rates, fees, or terms presented. The third-party partners providing these products, services or information are solely responsible for them, as well as other content on their websites or mobile applications. MoneyLion is not liable for any third party’s failure with regard to those advertised products, services, or information. If you choose to access or use any third-party products, services, information, websites, or mobile applications, you understand that such access or use will be subject to the terms and conditions and privacy policies of the appropriate third-party partner, and not to these MoneyLion Terms. Your interactions and business dealings with third-party partners are solely between you and the third party. You should check individual Third-Party Offers and review all related terms and conditions, including any privacy policies and terms of service, before redeeming any Third-Party Offer. We are not responsible for any information that you agree to share with third-party partners in connection with any such Third-Party Offers.  

MoneyLion may receive compensation from third-party partners for referring you to the third party-partner, their products or services or to their website. This compensation may impact how and where products appear on the MoneyLion Platform, including, for example, the order in which they may appear within listing categories. MoneyLion may not include all products or offers that may be available to you.

  1. Content and Other Materials on Our Site

A. Third-Party Content

The influencer, creator and other content provided in the MoneyLion Platform, which may include articles, photographs, text, graphics, pictures, designs, music, sound, video, information, software, User Content, and other content, and which may belong to or originate from either MoneyLion or non-affiliated third parties (“Content”) is for informational and entertainment purposes only and should not be construed as legal, tax, investment, financial, or other advice. You acknowledge that, while some Content may be shown to you based on information provided by you to us, all Content is intended to be of a general nature, does not address the circumstances of any particular individual or entity, and may not constitute a comprehensive or complete statement of the matters discussed. MoneyLion is not a fiduciary by virtue of any person’s use of or reliance on the Content. You should consult an appropriate professional or specialist if you require any legal, tax, investment, financial or other advice.

Where the Content belongs to or originates from a third party, including any User Content (“Third-Party Content”), we make no representations, warranties or guarantees, whether express or implied, that such Third-Party Content is accurate, complete, or up to date. The information or materials provided in such Third-Party Content may not have been verified or approved by us, and the views expressed by such third parties do  not represent our views and values. 

B. ML Wealth Services and Content – General Information Only – No Investment Recommendation or Advice

Our subsidiary, ML Wealth LLC (“ML Wealth”), provides its discretionary and non-discretionary investment advisory services only through the MoneyLion Platform to individuals who become ML Wealth clients pursuant to a written investment advisory agreement. Articles, commentaries, investment plans and other content, including any Content as defined above, provided on the MoneyLion Platform are provided for illustrative or educational purposes only and do not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the Content or other information on the MoneyLion Platform. 

If you are a ML Wealth client, you acknowledge that the value of your investment may fluctuate over time, and you may gain or lose money. Each client’s investment results can vary based on their specific account holdings. Forecasts or projections of investment outcomes are estimates only, and are based upon numerous assumptions about future capital market returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS, AND ANY EXPECTED RETURNS OR HYPOTHETICAL PROJECTIONS MAY NOT REFLECT ACTUAL FUTURE PERFORMANCE. FURTHERMORE, PAST RETURNS MAY REFLECT THE PERFORMANCE OF ASSETS FOR A FINITE TIME, OR DURING A PERIOD OF EXTREME MARKET ACTIVITY. ALL INVESTMENTS INVOLVE RISK AND MAY LOSE MONEY. There can be no assurance that your portfolio of securities will provide positive performance over any period of time. Please read ML Wealth’s Form ADV Part 2 (Brochure) carefully prior to becoming a client.

  1. Search Services

MoneyLion may make available, through the MoneyLion Platform, the use of certain search features, functionalities, and services (the “Search Services”), which, in some cases may make use of generative large language models trained to understand and generate natural language outputs based on inputs from users. Users who provide written input to the Search Services (“Input”), may receive output generated and returned by the Search Services (“Output”), including, but not limited to, answers, data, graphics, information, or product recommendations. 

While we work hard on providing you the best search experience possible, you understand that the Search Services rely on new and rapidly evolving generative artificial intelligence and machine learning technologies, which are offered to you “as-is”, and that MoneyLion makes no representations or warranties with respect to the Search Services or any Output. The Search Services and any resulting Output are provided for your informational purposes only. Your use of the Search Services is solely at your own risk and may result in Output that contains material inaccuracies. Output may not reflect correct, true, current, or complete information. Do not rely, or encourage others to rely, on any Output without independently evaluating and verifying its accuracy and appropriateness of use, including through human review of the Output. Do not rely on Output as legal, financial, tax, or other professional advice and always consult with a qualified professional on such topics.  Output is not an offer to sell or the solicitation of an offer to purchase any security, future, loan, mortgage, insurance policy or other financial instrument or product.

  1. Collection and Use of Financial Information

We strive to provide our customers with tools to manage their entire money lives from the MoneyLion Platform. To make full use of certain offerings within our Services, you may need to have and maintain MoneyLion financial accounts (“MoneyLion Financial Account(s)”) or link an external eligible bank account maintained at a third-party financial institution to your MoneyLion Account (any such external account, “Linked Account(s)”, and, collectively with any MoneyLion Financial Account(s), “Financial Services Accounts” ). You authorize us to access or collect certain financial data from each of your Financial Services Accounts, including, without limitation, account balances, transaction dates, the merchants involved, the transaction types and amounts, other information, data, passwords, or other content (collectively, “Account Data”) in accordance with our Privacy Policy and Financial Privacy Notice.

We use service providers, including Plaid Technologies Inc. (“Plaid”) and others, to gather end user data from external financial institutions, e.g., to link your Linked Account. By using our Services, you grant us and these service providers, including Plaid, the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by these service providers in accordance with their privacy policies.  

By linking any Linked Account(s), you represent and warrant to MoneyLion and its service providers that you are the legal owner of the Linked Account(s), that you have the right to disclose your login credentials for such Linked Account(s) if needed, and that you have the right to grant the authorizations in this Section 9 with regard to such Linked Account(s). You acknowledge that the services provided by these service providers are provided “as is” and for general informational purposes only. You acknowledge that MoneyLion and its service providers are not responsible and are not liable for any acts, errors, or omissions by the financial institutions at which you maintain your Linked Account(s), or for the accuracy, completeness, availability or timeliness of the information provided by such institutions, or for any investment or other decisions you make using the information provided. 

A. Use of Financial Information

Because we are a financial institution regulated under the Gramm-Leach-Bliley Act (“GLBA”), the Account Data and the Consumer Report Data that we collect in connection with your request for consumer financial products and services constitute “nonpublic personal information” subject to our Financial Privacy Notice. Subject to the restrictions described in our Privacy Policy, your revocation right as described in Subsection B below, and any applicable laws, including the GLBA, you authorize MoneyLion, its service providers and any of our non-affiliated third-party partners to use, display or distribute any of the Account Data for any of our Services, including to operate, provide, administer, develop, enhance, improve, measure, personalize and market the Services or any other products or services that may be available to you through the MoneyLion Platform. You also authorize MoneyLion and its third-party partners to use Account Data, and Consumer Report Data, where “permissible purpose” exists under the FCRA, in order to determine your eligibility for any Services that may be provided by or through MoneyLion. MoneyLion and its service providers and third-party partners may, on an aggregated and anonymized basis, use, modify, display, distribute and create new material using the Account Data and the Consumer Report Data in order to provide you with Services. We reserve the right to remove, delete, block, edit or modify any Account Data and Consumer Report Data in our possession at any time, subject to applicable regulatory retention requirements, without prior notice and in our sole discretion for any reason or no reason. MoneyLion and its service providers and third-party partners may also, on an aggregated and anonymized basis, use, license, reproduce, distribute, and disclose any information about you, your activities and behavior that is derived through your use of the Services or the MoneyLion Platform. You agree that, without any particular time limit, and without the payment of any fees, MoneyLion and its service providers and third-party partners may use the Account Data and the Consumer Report Data for the purposes set out above.

YOU ACKNOWLEDGE AND AGREE THAT WHEN YOU DIRECT US TO RETRIEVE YOUR ACCOUNT INFORMATION FROM THIRD PARTIES, OR YOUR CONSUMER REPORT INFORMATION FROM CONSUMER REPORTING AGENCIES, YOU AUTHORIZE AND PERMIT US TO USE AND STORE THAT INFORMATION AND OTHER INFORMATION YOU SUBMIT THROUGH THE THIRD-PARTY SITES (SUCH AS USERNAMES AND PASSWORDS), FOR PURPOSES OF PROVIDING THE SERVICES TO YOU. YOU GRANT MONEYLION A LIMITED POWER OF ATTORNEY TO ACCESS THOSE ACCOUNTS AND RETRIEVE YOUR ACCOUNT INFORMATION, WITHOUT ADDITIONAL NOTICE TO YOU. YOU UNDERSTAND THAT WHEN WE OR OUR SERVICE PROVIDERS OR PARTNERS ARE ACCESSING AND RETRIEVING INFORMATION FROM THIRD-PARTY SITES, WE AND OUR SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OF OR ON BEHALF OF THE THIRD PARTY.

B. Right to Revoke Authorization to Access Account Data 

By contacting us as directed under “To Limit Our Sharing” in our Financial Privacy Notice, you may revoke your authorization to MoneyLion’s collection and use of Account Data and Consumer Report Data as described above. You can also limit our use and sharing of Account Data in connection with any Linked Account(s) by simply removing your Linked Account(s) from the MoneyLion Platform. To the extent permitted by applicable law, your revocation of authorization for the collection and use of Account Data and Consumer Report Data as described above may impact your ability to access certain Services provided by or through MoneyLion and/or may result in the closure of your MoneyLion Account. Please note that, notwithstanding any revocation of authorization, there are applicable laws that require us to retain certain records for specified regulatory retention periods and/or to complete any transactions that you began prior to your request.

For more comprehensive information about our privacy practices, please refer to our Privacy Policy and Financial Privacy Notice. 

  1. Communications

If you opt into marketing calls and text messages, you agree to receive phone calls and text messages from us, and from our affiliates, agents, representatives, assigns, successors, and service providers (collectively, the “Messaging Parties”), for marketing purposes related to MoneyLion products and services. Consent is not a condition of any purchase. You understand that MoneyLion and the Messaging Parties may also contact you via calls and text messages for transactional reasons (e.g. account/loan servicing communications). You understand that you may be contacted through use of automated telephone dialing systems, artificial or prerecorded voice message systems and text messaging systems. You can opt out of receiving calls and text messages at any time. To opt out of receiving calls and text messages, call 1-844-224-0087; send us an email through www.moneylion.com/contactus; or, to stop text messages, reply “STOP”. We will send you one final message to confirm that you have been unsubscribed and will process your request within a reasonable time after receipt, in accordance with applicable laws. If you want to join again, just sign up as you did the first time.  If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly through our Contact Us Page or by calling 1-888-704-6970. Carriers are not liable for delayed or undelivered messages. Message frequency varies. Message and data rates may apply. To the extent permitted by applicable law, you may not revoke your consent to receiving servicing or any other transactional communications about your Services. You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to MoneyLion or its service provider for the duration of your business relationship, solely to help your carrier to identify you or your wireless device and to prevent fraud. For questions about your privacy, please review our Privacy Policy and Financial Privacy Notice. 

You can unsubscribe from promotional email communications at any time. To stop receiving our promotional emails, follow the unsubscribe instructions in the email messages you receive from us. We will process your request as soon as practicable after receipt, in accordance with applicable laws. Note that you will continue to receive transaction-related emails regarding products or services you have requested, and that, to the extent permitted by law, you will not be able to opt-out of those communications (e.g., communications regarding updates to these MoneyLion Terms or other terms).

Our Services may use automated features powered by artificial intelligence, like chatbots, digital assistants, conversational experiences, or similar technologies (“Chatbots”). While Chatbots are designed to provide helpful information and improve your experience, artificial intelligence and related technologies are evolving and may have limitations. Our Chatbots may generate outputs that are inaccurate, inapplicable or inappropriate for your situation, so you should not rely solely on their answers. You should always verify the accuracy of such information and ensure it is appropriate for your circumstances.

  1. Failure to Comply with MoneyLion Terms; Termination

We may suspend or terminate your MoneyLion Account, and/or deny you access to use the MoneyLion Platform, or any of our Services, without prior notice, if you engage in any conduct that we believe, in our sole discretion: (1) violates any part of these MoneyLion Terms, (2) violates our rights or those of third parties, (3) fails to comply with any laws or regulations, or (4) is inappropriate. These MoneyLion Terms will continue to apply even if you are suspended or terminated.

You have the right to terminate these MoneyLion Terms by reaching out to us at 1-844-224-0087 to deactivate your MoneyLion Account. Please note that there may be prerequisites to your ability to terminate depending on which Financial Services you have accessed or used, or which Financial Services Accounts remain open. See the applicable Additional Terms for more information.

  1. Legal Bits

A. Intellectual Property

B. Disclaimer of Warranties

THE SITE, THE MONEYLION APP, ANY OF OUR SERVICES (INCLUDING SEARCH SERVICES, AS DEFINED ABOVE), CONTENT, SEARCH RESULTS, INFORMATION AND MATERIALS (INCLUDING ANY USER CONTENT AND THIRD-PARTY CONTENT) MADE AVAILABLE ON OR THROUGH THE MONEYLION PLATFORM ARE PROVIDED TO YOU “AS IS” WITHOUT ANY EXPRESS REPRESENTATIONS OR WARRANTIES OF ANY KIND. SOME OF OUR CONTENT IS GENERATED IN AN AUTOMATED FASHION USING GENERATIVE ARTIFICIAL INTELLIGENCE TECHNOLOGIES; ERRORS CAN AND DO HAPPEN.  THE SERVICES ARE PROVIDED SOLELY FOR INFORMATIONAL, EDUCATIONAL, OR ENTERTAINMENT PURPOSES AND DO NOT CONSTITUTE LEGAL, FINANCIAL, TAX, MEDICAL, OR OTHER ADVICE.  RESULTS ARE NOT COMPREHENSIVE AND DO NOT REPRESENT ALL AVAILABLE INFORMATION.

MONEYLION AND EACH OF OUR RELATED AND AFFILIATED ENTITIES DISCLAIM ALL STATUTORY OR IMPLIED REPRESENTATIONS, WARRANTIES, TERMS AND CONDITIONS WITH RESPECT TO THE SITE, THE MONEYLION APP, ANY OF OUR SERVICES, CONTENT, SEARCH RESULTS, INFORMATION AND MATERIALS (INCLUDING ANY USER CONTENT AND THIRD-PARTY CONTENT) MADE AVAILABLE ON OR THROUGH THE MONEYLION PLATFORM,  INCLUDING ANY REPRESENTATIONS OR WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SITE OR THE MONEYLION APP, INCLUDING ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY CONTENT, SEARCH RESULTS, INFORMATION OR MATERIALS AVAILABLE ON OR THROUGH THE MONEYLION PLATFORM.  

It is possible that applicable law may not allow for limitations on certain implied warranties, exclusions or limitations of certain damages; solely to the extent that such law applies to you, some or all of the above disclaimers, exclusions or limitations may not apply to you, and you may have additional rights. Please note that information on the MoneyLion Platform may occasionally be inaccurate, incomplete or out of date. Additionally, third parties may make unauthorized alterations to the MoneyLion Platform. We make no representation as to the completeness or accuracy of any information on the MoneyLion Platform.

C. Indemnification

Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless MoneyLion, each of our related and affiliated entities, our third-party partners, and any of our or their respective officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates from and against all claims, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of (1) your use of, or activities in connection with, the MoneyLion Platform or Services, (2) your violation or alleged violation of these MoneyLion Terms, Additional Terms or any applicable laws and regulations, (3) your violation or alleged violation of any intellectual property or other right of a third party and (4) any dispute between you and a third party, including any third-party partner. You may not settle any such claim or matter without the prior written consent of MoneyLion. We reserve the right, but not the obligation, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and, in such case, you agree to cooperate fully with our defense of such claim

D. Limitation of Liability

EXCEPT WHERE PROHIBITED BY LAW, NEITHER MONEYLION, NOR ITS RELATED AND AFFILIATED ENTITIES, NOR EACH OF ITS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF MONEYLION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, OUR MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE MONEYLION PLATFORM OR SERVICES, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS OR USE ANY OF THE SERVICES OVER THE 12 MONTHS PRECEDING THE DATE YOUR FIRST CLAIM(S) AROSE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES, LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. TO THE EXTENT THAT ONE OR ANY ASPECT OF THE LIMITATIONS SET OUT ABOVE DOES NOT APPLY, ALL REMAINING ASPECTS SURVIVE. 

E. Dispute Resolution

By using the MoneyLion Platform or any of the Services, you agree to be bound by the Agreement for Resolving Disputes (the “Disputes Agreement”), which includes a mandatory arbitration provision along with other mechanisms for resolving disputes arising out of or related to these MoneyLion Terms, use of or access to the MoneyLion Platform (or any part thereof) or any of the Services. In accordance with the Disputes Agreement, any arbitration shall be conducted by NAM (National Arbitration and Mediation), 990 Stewart Avenue, 1st Floor, Garden City, NY 11530, in accordance with NAM’s then existing Comprehensive Dispute Resolution Rules & Procedures, or any other company selected by mutual agreement of the parties, in the event that NAM is unavailable or unwilling to administer the arbitration. 

By agreeing to the Disputes Agreement, you understand that you are waiving certain rights and protections which may otherwise be available, including, without limitation, the right to a jury trial, the right to bring a claim as a class member in any purported class or representative proceeding, and the right to invoke formal rules of procedure and evidence. 

YOU AGREE THAT IF YOU DECIDE TO REGISTER FOR AND OPEN A MONEYLION ACCOUNT OR IF YOU OTHERWISE USE ANY OF OUR SERVICES, YOUR RELATIONSHIP WITH US WILL BE GOVERNED BY THE DISPUTES AGREEMENT, THE FULL TEXT OF WHICH IS PROVIDED TO YOU WHEN YOU CREATE YOUR MONEYLION ACCOUNT. THE DISPUTES AGREEMENT PROVIDES FOR DISPUTE RESOLUTION FOR ALL CLAIMS AS DEFINED IN THAT AGREEMENT. 

F. Governing Law and Venue

This Agreement shall be governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute that is not subject to arbitration, or any issues involving arbitrability or enforcement of any provisions under the arbitration agreement, shall be brought in the appropriate state or federal court located in New York County, New York. You and MoneyLion each irrevocably consent to the exclusive jurisdiction and venue of the state or federal courts in New York County, New York, for the adjudication of all non-arbitrable claims. 

G. Jury Trial Waiver (if Dispute is Not Arbitrated)

YOU AND MONEYLION AGREE THAT BOTH PARTIES ARE WAIVING THE RIGHT TO A TRIAL BY JURY. YOU AND MONEYLION ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT, BUT THAT IT MAY BE WAIVED UNDER CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND MONEYLION, AFTER HAVING HAD THE OPPORTUNITY TO CONSULT WITH COUNSEL, KNOWINGLY AND VOLUNTARILY, AND FOR THE MUTUAL BENEFIT OF ALL PARTIES, WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF ANY DISPUTE ARISING OUT OF OR RELATED TO THESE MONEYLION TERMS, USE OF OR ACCESS TO THE MONEYLION PLATFORM (OR ANY PART THEREOF) OR ANY OF THE SERVICES. THIS JURY TRIAL WAIVER SHALL NOT AFFECT OR BE INTERPRETED AS MODIFYING, IN ANY FASHION, ANY SEPARATE DISPUTES AGREEMENT ENTERED INTO BETWEEN YOU AND MONEYLION, WHICH MAY CONTAIN ITS OWN SEPARATE JURY TRIAL WAIVER.

H. Assignment

MoneyLion may, without notice to you, assign these MoneyLion Terms and all of its right, title and interest hereunder to another entity. You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under these MoneyLion Terms to any other person without MoneyLion’s prior written consent. 

I. Severability

Any failure by us to exercise any rights or enforce these MoneyLion Terms or any Additional Terms shall not constitute a waiver of such rights or terms. If any provision of these MoneyLion Terms or any Additional Terms, or their application in a particular circumstance, shall be held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law. The remainder of these MoneyLion Terms, or any Additional Terms, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. 

MoneyLion Rewards Program

MoneyLion rewards program(s) allow users to earn points, redeemable for cash or other items as may be designated by MoneyLion from time to time, when they undertake certain activities. 

Click to view the Terms and Conditions for the MoneyLion Rewards Program.  

Revised: April 2023

MoneyLion Shake ‘N’ Bank Cashback Promotion

The MoneyLion Shake ‘N’ Bank Cashback Promotion provides users with opportunities to earn cashback on qualified purchases made with their MoneyLion Debit Mastercard®️ or RoarMoney Virtual Card once they successfully complete certain specified actions. 

Click to view the Terms and Conditions for the MoneyLion Shake ‘N’ Bank Cashback Promotion. 

Revised: February 2024 

Lion’s Share Loyalty Program

The Lion’s Share loyalty program provides MoneyLion members with opportunities and rewards based on engaging in membership-related activities. 

Click to view the Terms and Conditions for the Lion’s Share Loyalty Program. 

Revised: May 2021

Credit Builder Plus Membership Agreement

The Credit Builder Plus Membership includes several services offered by MoneyLion and its affiliates and third-party partners. 

Click to view the ML Plus LLC Membership Agreement.

Revised: September 2024

MoneyLion WOW Membership Agreement

The MoneyLion WOW Membership includes certain services offered by MoneyLion and its affiliates and third-party partners.

Click to view the MoneyLion WOW Membership Agreement.

Revised: September 2024

MoneyLion InstacashSM Terms and Conditions

Updated as of May 2024

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the MoneyLion Terms of Service.

The following terms and conditions (the “Instacash Terms”) apply to your use of MoneyLion’s Instacash advance service (“Instacash”) offered by ML Plus LLC (“MoneyLion”). By agreeing to these Instacash Terms, you acknowledge that you have read and agree to be bound by these Instacash Terms. If you do not agree with these Instacash Terms, do not access or use Instacash. There is no commitment to using Instacash; you can stop using Instacash at any time simply by not requesting any further Instacash Advances (as defined below).

INSTACASH IS NOT A LOAN.  MONEYLION IS NOT LENDING YOU MONEY IN CONNECTION WITH THE INSTACASH SERVICE.  THERE IS NO OBLIGATION TO REPAY AN INSTACASH ADVANCE. FOR MORE INFORMATION, PLEASE SEE SECTION 8 BELOW.

These Instacash Terms are in addition to other agreements you may enter into with MoneyLion, its third-party partners and its service providers, including, but not limited to, any payment authorizations you choose to execute in connection with requesting an Instacash Advance, the MoneyLion Terms of Service, the Privacy Policy, and, if you are a member of any of MoneyLion’s membership programs (a “MoneyLion Member”), your applicable membership agreement. These Instacash Terms shall supersede any other terms or conditions or any other agreements that govern your use of Instacash, including any that may be contrary to or inconsistent with these Instacash Terms. You understand that Instacash is a “Service” under the MoneyLion Terms of Service and is subject to all relevant provisions thereof, including but not limited to, the Disclaimer of Warranties, Indemnification and Limitation of Liability clauses. MOREOVER, YOU ACKNOWLEDGE THAT, UNLESS YOU HAVE OPTED OUT, THE AGREEMENT FOR RESOLVING DISPUTES (WHICH INCLUDES AN ARBITRATION PROVISION) TO WHICH YOU ARE ALREADY A PARTY EXTENDS TO THESE INSTACASH TERMS, AND THE DEFINITION OF “CLAIM” INCLUDES ANY DISPUTE ARISING OUT OF OR RELATED TO THESE INSTACASH TERMS OR THE ACTIVITIES OR RELATIONSHIPS THAT INVOLVE, LEAD TO, OR RESULT FROM THESE INSTACASH TERMS.

These Instacash Terms are subject to change or cancellation from time to time, including by adding, deleting or modifying terms, for any or no reason, in MoneyLion’s sole discretion, and will be effective when posted on the MoneyLion Platform or any other customer dashboard. MoneyLion will provide notice of changes to these Instacash Terms as and if required by applicable law. Your continued use of Instacash following any changes to these Instacash Terms will constitute your agreement to and acceptance of any changes.

  1. Receiving an Instacash Advance. Instacash provides cash advance(s) to you from time to time, in MoneyLion’s sole discretion, based on your anticipated recurring direct deposits (each such advance, an “Instacash Advance”). The amount of each Instacash Advance you may be eligible for is based on factors described in Section 3 below. 

    In order to receive an Instacash Advance, you are required to maintain either (1) a RoarMoney Demand Deposit Account (“RoarMoney Account”) at Pathward, N.A., Member FDIC (“Bank”) or (2) link an external eligible bank account (“Linked Account”) and associated debit card (“Bank Card”) to your Instacash account (any such Linked Account, together with your RoarMoney Account, are each referred to as an “Eligible Account”). At your election, any Instacash Advance(s) disbursed to you will be deposited into your RoarMoney Account, sent to your Linked Account, or funded to your Bank Card. You may obtain an Instacash Advance multiple times during your regular deposit period, up to the amount of your Instacash Advance limit.
  2. Eligibility. You can access Instacash through the Site or the MoneyLion App.  To be eligible for Instacash, you must (a) be a registered MoneyLion user, (b) satisfy the eligibility requirements provided in the MoneyLion Terms of Service to be a MoneyLion user, including residency and age of majority requirements, (c) have passed our identity verification checks, and (d) satisfy each of the eligibility criteria listed below:
  • You must be a MoneyLion user in good standing. For existing Instacash users, this means that any and all of your previous Instacash Advances have been repaid and you have paid any and all Turbo Fees (as this term is defined below) associated with any previous Instacash Advances.
  • MoneyLion must be able to detect Eligible Direct Deposits into an Eligible Account. “Eligible Direct Deposits” means a recurring direct deposit of your wages, compensation, or other income, including where you are acting as an independent contractor. It may take up to three (3) consecutive deposits from one employer (or another business or person who is obligated to pay your wages, compensation, or other income) into the Eligible Account for MoneyLion to detect it as recurring. Certain deposits do not qualify as Eligible Direct Deposits for Instacash, including:
  • irregular cash deposits; 
  • transfers from other bank accounts; 
  • mobile wallet and peer-to-peer transfer applications (e.g., via PayPal, Venmo, Zelle, Square, etc.); 
  • mobile deposits; 
  • ATM deposits; or 
  • other deposits as determined by MoneyLion in its sole discretion.

MoneyLion may, in its sole discretion, choose to provide you an Instacash Advance before the Eligible Direct Deposits are detected, but choosing to do so shall not constitute a permanent waiver of this eligibility requirement.

Subject to applicable law, MoneyLion reserves the right to delay, decline or cancel any Instacash Advance request for any reason and without notice to you. However, MoneyLion will not decline any request for an Instacash Advance solely on the basis of any factor relating to Tips or Turbo Fees (including your decision on whether to give a Tip (as defined below) or how much to Tip, or whether you choose to incur a Turbo Fee (as defined below) for expedited services).

  1. Available Instacash Advance Limit. Your available Instacash Advance limit will be displayed to you through your Instacash dashboard on the Site or in the MoneyLion App, and will be based on factors as determined by MoneyLion from time to time. These factors include the amount and timing of your Eligible Direct Deposits, MoneyLion’s evaluation of your account transaction history, and other information you provide to us. MoneyLion reserves the right to adjust your Instacash Advance limit and our eligibility criteria at any time. Any change in your eligibility or available Instacash limit will be displayed to you through your Instacash dashboard on the Site or in the MoneyLion App.

    MoneyLion also offers higher Instacash Advance limits to users who are MoneyLion Members or who maintain Eligible Direct Deposits into their RoarMoney Accounts. You may also be eligible for various Boosts that may temporarily increase your Instacash Advance limit (see Section 4 below). The Instacash Advance limit will not exceed 50% of the Eligible Direct Deposits that MoneyLion anticipates you will receive during each regular deposit period. Please also see the Frequently Asked Questions on help.moneylion.com for additional details about Instacash Advance limits.
  2. Instacash Boosts. From time to time, MoneyLion may offer bonuses, credits, incentives, or other promotions that may boost your Instacash Advance limit either permanently or for a certain period of time (such increases, “Boosts”). Such promotions may be governed by terms that are separate from these Instacash Terms and may require completion of certain actions within the Site or the MoneyLion App, e.g., making a certain number of Instacash repayments by  scheduled repayment dates. To participate in any such promotions, please read any additional terms and conditions, or disclosures, carefully.
  3. Instacash Advance Disbursement Limit. Instacash is designed to help users access funds to smooth out cash flow and cover unexpected expenses and is not meant to be a way to fund larger expenses. As a result, in addition to an Instacash Advance limit for each regular deposit period, a user must take out Instacash Advances in predetermined disbursement increments (“Disbursement Limit”). Your Disbursement Limit will be shown to you at the time you initiate an Instacash Advance. If your Disbursement Limit is lower than your Instacash Advance limit, then you may obtain multiple Instacash Advances up to your Instacash Advance limit per regular deposit period. For example, if your Instacash Advance limit is $200, and your Disbursement Limit is $100, you can only request up to $100 at a time, but you can take out two separate $100 Instacash Advances in your regular direct deposit period. 
  4. Optional Tipping. At the time that you initiate an Instacash Advance, you may choose to give MoneyLion an amount in appreciation of its service (a “Tip”). Tips are completely voluntary, and whether or not you choose to leave a Tip and how much you choose to give do not impact your eligibility for any future Instacash Advance(s) or your Instacash Advance limit or your eligibility for other products and services offered by MoneyLion. Any Tip(s) you choose to give will be paid to MoneyLion if and when you repay the Instacash Advance for which you gave a Tip. Tips are non-refundable once paid, and the amount you choose to tip cannot be changed following payment.
  5. Expedited Disbursements. Generally, receiving an Instacash Advance is processed at no additional cost to you, and the funds from an Instacash Advance will typically be available in your Eligible Account or on your Bank Card between one (1) and five (5) business days from the date of your request. Funds disbursed to your RoarMoney Account will usually take a shorter period of time than disbursements to an external Linked Account or Bank Card. For an additional fee (“Turbo Fee”), you have the option to request expedited disbursements to your Eligible Account or Bank Card. Expedited disbursements are typically sent within minutes of your approval, but may take up to an hour. Turbo Fee amounts can be found at moneylion.com/pricing/#InstacashCashAdvances and will be displayed to you in the Instacash dashboard at the time you request an Instacash Advance. Any Turbo Fee you incur will be paid if and when you repay the Instacash Advance.

    MoneyLion and its third-party partners, including Bank, do not guarantee the timing of receipt of any disbursed funds and do not accept responsibility for any delay in your receipt of those funds. To the extent permitted by applicable laws, you agree to waive any claims, damages, or actions, including attorneys’ fees, against MoneyLion, Bank or any other third-party partner of MoneyLion, arising out of or relating to any delay to promptly send or receive such amounts. If you have opted for an expedited disbursement, your sole remedy for any delay will be the reimbursement of the Turbo Fee.
  6. NO OBLIGATION TO REPAY AN INSTACASH ADVANCE. THERE IS NO OBLIGATION TO REPAY AN INSTACASH ADVANCE; however, you will not be eligible for any further Instacash Advance(s) until any and all of your previous Instacash Advances have been repaid in full and you have paid any and all Turbo Fees associated with any previous Instacash Advances.

    MoneyLion warrants that it has no legal or contractual claim against you based on your failure to repay in full an Instacash Advance, including any Turbo Fees and Tips associated with any Instacash Advance. MoneyLion will not (a) engage in any debt collection activities relating to any unpaid portion of any Instacash Advance or any unpaid Turbo Fees or Tips, (b) place the unpaid portion of any Instacash Advance or any unpaid Turbo Fees or Tips as a debt with, or sell the unpaid portion of any Instacash Advance or any unpaid Turbo Fees or Tips to, a third party, or (c) report to a consumer reporting agency concerning an Instacash Advance. However, MoneyLion will not provide you with further Instacash Advances while any portion of an Instacash Advance remains unpaid past your scheduled repayment date. Notwithstanding the foregoing, MoneyLion does not waive any rights it may have with respect to any fraudulent activity.
  7. Authorization for Crediting and Debiting Accounts. 
  • Crediting Transactions. When you initiate an Instacash Advance, you authorize MoneyLion to disburse the amount of the Instacash Advance to the Eligible Account or Bank Card you have selected. If any credit was made wholly or partially in error, you authorize MoneyLion to correct the error by making a corrective credit or debit transaction.
  • Authorized Payment Method. If you choose to repay your Instacash Advance, you may repay by authorizing us to (1) charge your Bank Card; and/or (2) initiate an electronic fund transfer from your Eligible Account(s). This can be done by pre-authorizing automatic payments to be made on or after your scheduled repayment date pursuant to your primary payment authorization, or by making a one-time repayment by following the prompts on the Site or the MoneyLion App. Any payment authorizations you choose to sign are incorporated by reference into these Instacash Terms as if they are set forth in full here.
  • Backup Payment Methods. You may also add payment methods through other parts of the MoneyLion App, including to the “Wallet” screen of the MoneyLion App. If you have designated any of these other payment methods as backup payment methods for Instacash Advances by signing  backup payment authorizations, then, if on the scheduled repayment date, the balance in your authorized Eligible Account(s) and/or Bank Card is less than the amount to be repaid, you authorize MoneyLion or its agents to debit your backup payment method for the remaining amount to be repaid, up to the balance in that payment method, pursuant to the terms of your backup payment authorization.
  • Scheduled Repayment Date. The scheduled repayment date for each Instacash Advance will be disclosed to you when you initiate an Instacash Advance. The scheduled repayment date will generally be aligned with your regular direct deposit date, as determined by MoneyLion. However, MoneyLion may, in its sole discretion, schedule a repayment date that does not align with your regular direct deposit date, depending on the circumstances of your Instacash Advance request. For example, if the Instacash Advance is requested on a date that is too close to your regular direct deposit date, MoneyLion may schedule a repayment date after your regular direct deposit date to give you enough time to receive and use your funds. If you have initiated two Instacash Advances in the same direct deposit period, you may even have two scheduled repayment dates. If MoneyLion cannot predict an upcoming deposit date, your scheduled repayment date may be set to the second Friday following the day you initiated the Instacash Advance.
  • Revoking Payment Authorization. You may withdraw your pre-authorized automatic payment authorizations before the scheduled repayment date by following the instructions in your signed payment authorization(s). You agree to notify MoneyLion in time for us to have a reasonable opportunity to act upon your request, typically (3) business days (business days are Mondays through Fridays, excluding bank holidays).
  1. Consent to Use Financial Data.  You understand and agree that our ability to provide Instacash relies on the consent to collect and use your Account Data (as defined in the MoneyLion Terms of Service) that you provided when you agreed to  the MoneyLion Terms of Service, and that we use your Account Data in order to determine your eligibility for the Instacash service and to operate, provide, administer, develop and improve the Instacash service. You understand that you may follow the opt-out procedures described in the MoneyLion Terms of Service to revoke your authorization to MoneyLion’s collection and use of your Account Data, and that, to the extent permitted by applicable law, any such revocation may impact your ability to access the Instacash Services. 
  1. Miscellaneous

    Breach of these Instacash Terms. The Instacash service is for personal, family and household use only. MoneyLion can immediately suspend or disqualify you from using Instacash, in whole or in part, at any time and for any reason. MoneyLion will suspend or disqualify you from using Instacash if you (1) violate these Instacash Terms, or any other agreements governing your use of MoneyLion products or services, (2) engage in fraud or suspected fraud or misuse, or game Instacash, or (3) take another similar action, as determined by MoneyLion in its sole discretion. If MoneyLion suspends or disqualifies you from using Instacash, you will be unable to obtain any additional Instacash Advance(s), but you will not be obligated to repay any Instacash Advance(s) you have already obtained. You are responsible for all transactions and other activities relating to your use of Instacash.

    Assignment. We may, without notice to you, transfer or assign these Instacash Terms and all of our rights, title and interest hereunder to another entity. You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under these Instacash Terms without MoneyLion’s prior written consent.

    Notices. All notices must be provided in writing to ML Plus LLC, P.O. Box 1547, Sandy, UT 84091-1547.

    Governing Law. These Instacash Terms (but not the Arbitration Provision in the Agreement for Resolving Disputes) shall be governed by the substantive laws of your state of residence without regard to its conflicts of law provisions.
  2. Notices to California Residents.
  • ML Plus LLC is not currently licensed to provide its advance product by the California Department of Financial Protection and Innovation (the “Department”).
  • If the Department does decide in the future to license ML Plus LLC and/or require ML Plus LLC to make modifications to terms and conditions for the advance product, such developments may have no impact on your obligations under these Instacash Terms.
  • Although ML Plus LLC is not licensed by the Department to provide its advance product, any consumer is invited to share any comment and concerns about ML Plus LLC or its product and practices with the Department at (866) 275-2677 (toll-free) or at the following URL: https://dfpi.ca.gov/file-a-complaint/.