Zirtue Bill Pay Policy

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Last Updated: January 22, 2026

1. Purpose

This Bill Pay Policy (the “Policy”) establishes the rules, limitations, and responsibilities governing use of Zirtue’s bill payment services (the “Bill Pay Services”). The purpose of this Policy is to ensure that all transactions facilitated through Zirtue Pay are authorized, legitimate, compliant, and strictly limited to bill payment activity, and to prevent misuse of the Services for shopping, retail purchases, peer-to-peer transfers, or other non-bill-related purposes.


2. Scope

This Policy applies to:

  • All Zirtue users and customers

  • Approved billers and payees

  • Business partners, vendors, and payment processors

  • Any individual or entity accessing or using the Bill Pay Services

This Policy operates in conjunction with Zirtue’s Terms of Service, Privacy Policy, and any applicable program-specific agreements.


3. Policy Statement

Zirtue’s Bill Pay Services may be used solely to pay approved, legitimate bills.

The following activities are strictly prohibited:

  • Shopping or retail purchases

  • Purchasing goods or services unrelated to bill payment

  • Cash advances, peer-to-peer transfers, or personal spending

  • Any transaction not expressly authorized as a bill payment

Unauthorized or prohibited use may result in account suspension or termination, reversal of transactions, loss recovery, and potential legal or regulatory action.


4. Definitions

Bill Payment

A transaction intended to pay a verified bill, invoice, or obligation to an approved biller, utility provider, service provider, or payee designated or supported by Zirtue.

Approved Biller

A biller, merchant, or payee that has been authorized by Zirtue or its partners to receive bill payments through the Services.

Unauthorized Use

Any activity that falls outside the intended purpose of the Bill Pay Services, including but not limited to shopping, retail purchases, personal transfers, or attempts to disguise non-bill transactions as bill payments.


5. Authorized Use

Users may only use the Bill Pay Services to:

  • Pay approved bills to authorized billers

  • Submit transactions that are accurate, complete, and verifiable

  • Comply with all applicable laws, card network rules, and Zirtue policies

All bill payment transactions must be supported by accurate billing information and may be subject to verification or review.


6. Prohibited Use

Users must not:

  • Use the Services for shopping, retail, or personal purchases

  • Attempt to route funds to themselves or unrelated third parties

  • Misrepresent the nature of a transaction

  • Circumvent transaction controls or monitoring systems

  • Share account credentials or allow unauthorized access

Any attempt to manipulate, bypass, or evade Zirtue’s safeguards constitutes a material violation of this Policy.


7. Compliance and Monitoring

Zirtue maintains compliance programs designed to detect and prevent fraud, misuse, and regulatory violations. To support these efforts:

  • Transactions may be monitored, reviewed, delayed, or declined

  • Users may be required to provide additional information or documentation

  • Zirtue may conduct audits or investigations as permitted by law

Failure to cooperate with compliance reviews may result in account restrictions or termination.


8. Enforcement

Zirtue reserves the right to take appropriate action in response to suspected or confirmed violations, including:

  • Transaction reversal or cancellation

  • Temporary or permanent account suspension

  • Termination of access to the Services

  • Reporting to payment networks, regulators, or law enforcement

Enforcement actions may be taken without prior notice where required to mitigate risk or comply with legal obligations.


9. Amendments

Zirtue may modify this Policy from time to time. If material changes are made, Zirtue will provide notice through reasonable means, which may include email, in-app notification, or website posting.


Continued use of the Bill Pay Services after the effective date of an updated Policy constitutes acceptance of the revised terms.


10. User Responsibilities

Users are responsible for:

  • Providing accurate, current, and complete billing information

  • Verifying payment amounts, billers, and due dates before submission

  • Maintaining the confidentiality of account credentials

  • Promptly reporting suspected unauthorized activity or errors

Users remain responsible for all transactions initiated through their accounts.


11. Data Privacy and Security

Zirtue protects personal and financial information in accordance with its Privacy Policy and applicable law. Safeguards include:

  • Industry-standard encryption and secure transmission protocols

  • Restricted access to sensitive data

  • Ongoing monitoring for security threats

User information may be disclosed to third parties only as necessary to provide the Services, comply with legal obligations, or with user consent.


12. Liability and Disclaimers

To the fullest extent permitted by law:

  • Zirtue is not responsible for errors resulting from inaccurate information provided by users or billers

  • Zirtue does not guarantee biller acceptance, posting times, or service availability

  • Zirtue is not liable for delays, errors, or failures caused by third-party billers, processors, networks, or financial institutions


The Services are provided on an “as is” and “as available” basis, without warranties of any kind.


13. Fraud Prevention and Reporting

Zirtue actively monitors transactions for fraudulent, suspicious, or unusual activity. Users must report suspected fraud or unauthorized use immediately.

Confirmed fraud may result in:

  • Immediate suspension or termination

  • Loss recovery actions

  • Reporting to law enforcement or regulatory authorities

Fraud reports should be sent to privacy@zirtue.com.


14. Record Retention

Zirtue retains transaction and account records for a minimum of seven (7) years, or longer where required by law.

Records are securely stored and protected against unauthorized access, alteration, or deletion. Users may request access to their records subject to applicable legal requirements.


15. Third-Party Billers and Integrations

Zirtue partners with third-party billers, processors, and service providers to facilitate bill payments. Zirtue does not control and is not responsible for:

  • Biller service quality or billing disputes

  • Errors in bill amounts provided by billers

  • How or when billers apply received payments

Users should contact the relevant biller directly regarding billing issues.


16. Termination of Service


Zirtue may suspend or terminate access to the Bill Pay Services for violations of this Policy, the Terms of Service, or applicable law.

Termination may occur without prior notice in cases involving fraud, unauthorized use, or regulatory risk. Upon termination, outstanding obligations and legal responsibilities remain enforceable.

Users may request account closure by contacting getintouch@zirtue.com.


17. Acknowledgment and Acceptance

By accessing or using the Bill Pay Services, you acknowledge that you have read, understood, and agree to comply with this Policy and all applicable terms and laws.


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