Complaint Resolution

Image, Endorsement, Processing and Payment

Endorsement must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space as long as it does not obstruct the bank endorsement area. Each mobile check deposit must be endorsed in the following way:

Your Business Name

Pay to the Order of Confia

For mobile deposit only.

Any loss incurred from a delay of processing due to images received from an unapproved vendor or an error resulting from an irregular endorsement or other markings by you will be your responsibility.

Image quality using the Remote Deposit Service (Service) must be clear using the remote deposit capture functionality on the Confia Mobile App with a complete and legible copy of front and back of the share draft or check. The copy must contain the endorsement from the Depositor on the back of the share draft or check and the full MICR information from the front of the check.

Images of items transmitted by the Depositor are not considered received by Confia Financial until the Depositor receives an electronic receipt confirmation. We are not responsible for items we do not receive or for images dropped during transmission. Receipt of the confirmation from Confia Financial does not mean the transmission was processed, approved, free from error or complete. Confia Financial reserves the right to reject any item transmitted though the Service at our discretion.

When you successfully Transmit an Image to us, it will appear in your account as a Pending Transactions. This does not mean that your Transmission and deposit is complete. All of your Images are subject to our further verification prior to being approved for deposit and finalized. Do not destroy your check until you see the full deposit amount posted and is reflected as a completed check deposit complete in your account.

Availability of Funds and Processing Times

You are agreeing that items transmitted using the Service are not subject to the funds availability requirements of Reg CC. Processing time for deposits using the Service is generally 24 to 48 hours. Transmissions made before 3:00 PST will start process the same day. Transmissions made after 3:00 PST will be begin processing the following day. Funds from items deposited under the terms of this agreement will generally be available after two days. Confia Financial may make such funds available sooner to certain customer at its sole discretion. All transactions are subject to compliance review and requests.

Prohibition Against Representing Checks

Once you have used the Service to deposit a Check you agree not to present or attempt to present the original Check or a substitute check of the original Check again for deposit through the Service or through any other means. You further agree not to allow anyone else, either directly or indirectly, to represent or attempt to Represent the original Check or a substitute check of the original check by any means. Should you or another party Represent a Check or substitute check in violation of this Agreement, the amount of the Check will be debited from your account, and you agree to indemnify, defend and hold Confia Financial harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to the Represented original Check or substitute check.

Acceptance of these Terms

Your use of the Service constitutes your acceptance of this agreement. This agreement is subject to change; we will notify you of any material changes via email or on the website with a link to the revised agreement. Further, Confia Financial reserves the right, in its sole discretion, to change, modify, add, or remove access from the Service. If a change in Service occurs, your continued use of the Service will indicate your acceptance of any such changes to the Service

Remote Deposit Terms and Agreements

Last Updated 04/2024

Mobile End User License Agreement Confia Financial LLC. Terms of Use – End User License Agreement (“Confia”) for use in the United States, stating the terms that govern your use of the Confia Mobile application (“Licensed Application”). This agreement, together with all updates, additional terms, additional mobile product agreements, software licenses, and all of Confia’s rules and policies, collectively constitute the “agreement” between you and Confia. By installing the Licensed Application you are indicating that you agree to these terms. If you do not agree to these terms do not install or use the application. You must accept and abide by these terms as presented to you. Changes, additions, or deletions are not acceptable, and Confia may refuse access to the Licensed Application for noncompliance with any part of this agreement. The Licensed Application is licensed, not sold, to you for use only under the terms of this license, unless accompanied by a separate license agreement issued by Confia, in which case the terms of that separate Confia license agreement will govern. Licensor ( hereinafter, “Licensor” or “Confia”) reserves all rights not expressly granted to you. This license granted to you for the Licensed Application by Confia is limited to a non-transferable license to use the Licensed Application on your IOS iPhone, iPad iPod Touch, Android, or Windows devices that you own or control and as permitted by the Usage Rules set forth in Section 9.b. of the App Store Terms and Conditions (the “Usage Rules”). This license does not allow you to use the Licensed Application on any product that you do not own or control, and you may not distribute or make the Licensed Application available over a network where it could be used by multiple devices at the same time. You may not transfer in any form (including rent, lease, lend, sell, redistribute, or sublicense) the Licensed Application. You may not copy (except as expressly permitted by this license and the Usage Rules), decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Licensed Application, any updates, or any parts of updates, except regarding use of open source elements components included with this Licensed Application). Any attempt to do so is a violation of the rights of Confia and its licensors. If you breach this restriction, you may be subject to prosecution and damages. The terms of the license will govern any upgrades provided by Confia that replace and/or supplement the original product, unless such upgrade is accompanied by a separate license or agreement in which case the terms of that license or agreement will govern. By using this Licensed Application, you acknowledge and accept that Confia may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to the Licensed Application. Confia may use this information, as long as it is in a form that does not personally identify you, to improve its products or to provide services or technologies to you. You also understand that full use of this Licensed Application requires you to have an account with Confia and that personally identifiable information may be collected by Confia in conjunction with your transaction, consistent with federal law and the Confia Privacy Policy. The use and manner in which the Licensed Application is used, must abide by the Terms and Conditions set forth and agreed to between you and Confia for use of its financial service platform. The Terms and Conditions Agreement are available online in the Confia web portal. The license is effective until terminated by you or Confia. Any rights granted herein are subject to termination with or without notice from Confia if you violate and/or fail to comply with any terms or conditions set forth herein. Once this license is terminated, you are no longer entitled to use the Licensed Application. You shall cease all use of the Licensed Application, and destroy any legally made copies or portions thereof, of the Licensed Application. The Licensed Application may enable access to Confia and third party services and web sites, including GPS locator websites, such as Google, that allow you to find a branch (collectively and individually, “Services”). Use of the Services may require Internet access and that You accept additional terms of service. To the extent this Licensed Application allows you to access third party Services, Confia, and its licensors, reserve the right to change, suspend, remove, or disable access to any Services at any time without notice. In no event will Confia be liable for the removal of or disabling of access to any such Services. Confia may also impose limits on the use of or access to certain Services, in any case and without notice or liability. You understand that Confia may offer integration of its own and/or third party Services for your convenience. Further, you understand that Confia is not affiliated with, does not endorse, and is not responsible to these third party Services. Confia is not responsible for the contents of, updates to, or privacy practices of these third parties, which may differ from those of Confia. The personal data you may choose to give to Confia by means of registering the Licensed Application with Confia shall be governed by Confia’s Privacy Policy. You expressly acknowledge and agree that use of the Licensed Application is at your sole risk and that the entire risk as to satisfactory quality, performance, accuracy and effort is with you. To the maximum extent permitted by applicable law, the Licensed Application and any services performed or provided by the Licensed Application are provided “as is” and “as available”, with all faults and without warranty of any kind, and Confia HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE LICENSED APPLICATION AND ANY SERVICES, EITHER EXPRESS OR IMPLIED, STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, OF QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. Confia does not warrant against interference with your enjoyment of the Licensed Application in any way, or that defects in the Licensed Application or services will be corrected. No information or advice given by Confia representatives shall create any warranty. Should the Licensed Application or services prove defective, you assume the entire cost of all necessary servicing, repair or correction. Some jurisdictions do not allow the exclusion of implied warranties or limitations on applicable statutory rights of a consumer, so the above exclusion and limitations may not apply to you. To the extent not prohibited by law, in no event shall Confia be liable for personal injury, or any incidental, special, indirect or consequential damages whatsoever, including, without limitation, damages for loss of profits, loss of data, business interruption or any other commercial damages or losses, arising out of or related to your use or inability to use the Licensed Application, however caused, regardless of the theory of liability (contract, tort or otherwise), even where Confia has been advised of the possibility of such damages. Some jurisdictions do not allow the limitation of liability for personal injury, or of incidental or consequential damages, so this limitation may not apply to you. In no event shall Confia’s total liability to you for all damages (other than as may be required by applicable law in cases involving personal injury) exceed the amount of fifty dollars ($50.00). The foregoing limitations will apply even if the above stated remedy fails of its essential purpose. You may not use or otherwise export or re-export the Licensed Application except as authorized by United States law and the laws of the jurisdiction in which the Licensed Application was obtained. In particular, but without limitation, the Licensed Application may not be exported or re-exported (a) into any U.S. embargoed countries or (b) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person’s List or Entity List. By using the Licensed Application, you represent and warrant that you are not located in any such country or on any such list. You also agree that you will not use these products for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture or production of nuclear, missiles, or chemical or biological weapons. The Licensed Application and related documentation are “Commercial Items”, as that term is defined at 48 C.F.R. 2.101, consisting of “Commercial Computer Software” and “Commercial Computer Software Documentation”, as such terms are used in 48 C.F.R. 12.212 or 48 C.F.R. 227.7202, as applicable. Consistent with 48 C.F.R. 12.212 or 48 C.F.R. 227.7202-1 through 227.7202-4, as applicable, the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to the terms and conditions herein. Unpublished-rights reserved under the copyright laws of the United States. The laws of the State of Delaware, excluding its conflicts of law rules, govern this license and your use of the Licensed Application. Your use of the Licensed Application may also be subject to other local, state, national, or international laws. Copyrights and Trademarks. Except where otherwise specified the contents of the Licensed Application are copyright (c) 2024 Confia Financial LLC. All rights reserved.

(Effective 04/2024)

Confia Financial LLC (“Company,” “we,” or “us”) respects your desire for privacy and is committed to maintaining the confidentiality of your personal financial information. This document outlines our privacy policy for consumer visitors to our web site. If you are a consumer who has a continuing relationship with us, please see our Privacy Notice located at www.confia.fi/privacy-notice/ for additional details about our treatment of your personal information.

Visitors to Our Web Site. Visitors to our web site remain anonymous, unless they apply for an account with us or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place “cookies” on a computer to track a visitor’s use of our web site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you open an account with us, the cookie does not provide us with personal information about you. 

You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.

Our Collection of Information About You. We may collect nonpublic personal information about you in order to understand your needs, administer our business, process transactions, and provide you with products and services. We obtain nonpublic personal information about you from the following sources when you request an account from us:

• Information we receive from you on applications or other forms (such as your name, address, etc.);
• Information about your transactions with us or others (such as your account balance, payment history, and parties to transactions); and
• Information we receive from background check and identity verification companies.

Our Disclosure of That Information. We may disclose information about you, your accounts and transactions: (a) where it is necessary or helpful to effect, process, maintain, or confirm your transactions or balances; (b) to comply with legal process, such as subpoenas and court orders; (c) to law enforcement authorities if we believe a crime has been committed; (d) if you give us your consent; and (e) as otherwise permitted by law.

Online Activity. There are a number of third parties (e.g., social media companies and advertising networks) that may build profiles based on your browsing activity across one or more web sites over time. That information may be used, among other things, to target specific advertisements to you. If a third party cookie or similar tracking device is placed on your computer by one of these companies, it may be able to collect information about your browsing activity at our web site. In addition, our web site may contain advertisements, tools, or other services provided by third parties that may collect information about your online browsing activities over time and across different websites. If you provide us with nonpublic personal information about yourself, we do not share that information with third-parties except in accordance these terms and our Privacy Notice.

State Rights. Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing nonpublic personal information about you. We may do this by sending a separate notice of those rights to you.

Maintaining Accurate Information. We have procedures in place that help us to maintain the accuracy of the personally identifiable information that we collect. Please contact us at 855.200.9533, if you believe that our information about you is incomplete, out-of-date, or incorrect. You may also update your information by visiting our website at www.confia.io to review and correct information about yourself.

Information Security. We restrict access to nonpublic personal information about you to those employees who have a need to know such information (e.g., to process your transactions or provide services to you). We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Links to Other Web Sites. Our web site may feature links to third party web sites that offer goods, services or information. Some of these sites may appear as windows-within-windows at this site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

Services and Advertisements by Third Parties. Third parties may offer services from time to time at our web site. If you provide them with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our web site, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our site).

Protecting Children’s Privacy Online. The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent Visit the Federal Trade Commission’s website related to the Children’s Online Privacy Protection Act (COPPA) for more information.

Changes to this Policy. We may add to, delete, or change the terms of this Online Privacy Policy from time to time by sending you a notice or posting a notice of the change (or an amended Online Privacy Policy) at this web site. If required by law, we will send you a notice of the change. Your continued use of our web site or any online service following notification will constitute your agreement to the revised Online Privacy Policy.

Questions. If you have any questions regarding this Online Privacy Policy, you can call us at 855.200.9533 or contact us at privacy@confia.fi. 

Introduction 

This E-SIGN Disclosure and Consent Agreement (“Agreement”) allows us to provide you with electronic versions of important notices and documents associated with opening an account with us and throughout your relationship with us. Certain laws and regulations require us to provide notices and disclosures to you in “writing” (traditionally this is defined as a paper notice); with your consent, the E-SIGN Act allows us to provide these documents to you, and accept your signatures, electronically.

In this Agreement:

• “We,” “us,” and “our” means Confia Financial LLC:
• “You” and “your” means the person giving consent under this Agreement, and also each additional account owner, authorized signer, authorized representative, delegate, and/or user identified on any Confia Product that you apply for, use or access;
• “Communications” means each disclosure, notice, agreement, schedule of fees, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request;
• “Electronic Service” means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging), and/or software applications (including applications for mobile or hand-held devices), either now or in the future;
• “Confia Product” means each and every account, product, or service we offer that you apply for, own, use, administer or access, either now or in the future. Confia Products include Electronic Services;
• The words “include” and “including,” when used at the beginning of a list of one or more items, indicates that the list contains examples; the list is not exclusive or exhaustive, the items in the list are only illustrations, and the items are not the only possible items that could appear in the list.

Your consent to use electronic records and signatures; Choosing to receive Communications electronically or in writing; Certain information must still be provided in writing

In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form (“Electronic Records”).  We may also use electronic signatures and obtain them from you as part of our transactions with you.

Electronic Records may be delivered to you in a variety of ways. These various delivery methods are described in our Member Account Terms and Conditions, Platform Use & License Agreement, and in other agreements we may have with you from time to time. In some cases, you will be able to choose whether to receive certain Communications electronically, or on paper, or both. 

We may always, in our sole discretion, provide you with any Communication via paper, even if you have chosen to receive it electronically.

Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.

There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this Agreement will automatically cover those Communications as well.

If applicable, we will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available)

If we provide Electronic Records to you, and you want a paper copy, you may contact client services and request a paper version.  You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. 

Your consent covers all Confia Products; Privacy Policies

Your consent covers all Communications relating to any Confia Product. Your consent remains in effect until you give us notice that you are withdrawing it.

From time to time, you may seek to obtain a new Confia Product from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other Confia Product.

You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review at https://account.confia.io, or, with prior notice to you, on another website where we offer Electronic Services.

You may withdraw your consent at any time; Consequences of withdrawing consent; How to give notice of withdrawal

You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of: (i) your access to our Electronic Services, including online account access, and (ii) your ability to use certain Confia Products.  Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

Depending on the specific Confia Product, if you withdraw consent we may charge higher or additional fees for that product or for services related to it. For example, if we need to send you paper statements because online account access is no longer available to you.  

To withdraw your consent please contact us at 1-855-200-9533 or at clientservices@confia.fi.  

You must keep your email or electronic address current with us

You must promptly notify us of any change in your email or other electronic address. Sign on to your Confia account at account.confia.com to update your contact information and change the email address on record for you. There may be other, Confia Products for which we provide separate instructions to update your email or other electronic address.

Hardware and software you will need; Changes to hardware or software requirements

To receive Electronic Records, you must have access to: (i) a current version of an internet browser, (ii) a connection to the internet, (iii) a current version of a program that accurately reads and displays PDF files (such as Adobe® Acrobat® Reader), (iv) a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form, and (v) an active email address.  Current version means a version of a software that is currently being supported by its publisher. 

We will notify you if our hardware or software requirements change and whether that change creates a material risk that you would not be able to access or retain your Electronic Documents. Continuing the application process or using a Confia Product after receiving notice of the change is a reaffirmation of your consent to this Agreement.

Acceptance

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review Electronic Records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, and/or users identified with your Confia Products.