Terms of Service

We may revise these Terms by posting a new version with an updated date. Continued use after the effective date is acceptance. We may notify account holders of material changes by email.

You must be 18 or older and able to form a binding contract. You may not use the Services if you are located in a U.S. embargoed country or are a prohibited party under U.S. trade rules. The Services are built for business use.

You must provide accurate information and keep your email and phone current. You are responsible for activity under your account and for protecting credentials. The product requires phone verification. Notify support@getcoffr.com of unauthorized use. We may suspend accounts that appear compromised or that violate these Terms.

You agree to receive operational notices by email and in-product message at the contacts you provide. Transactional messages include verification codes and transfer alerts (share or request sent, viewed, declined, revoked, fulfilled, rejected, and reminders). Those messages do not include raw bank numbers. Marketing email is optional and uses unsubscribe. Text messages are sent only to mobile numbers that opted in under Section 4.1.

4.1 SMS / RCS Messaging Terms

Program description. Coffr alerts are SMS and RCS text messages about bank detail requests and shares made through Coffr. They include notices that a Coffr subscriber sent you a request or share, reminders, status updates, and security alerts. One-time passcodes you request are sent separately through our verification provider. We never use text messages for marketing.

Consent. You opt in yourself by entering your mobile number and checking the text message consent box on the secure Coffr page you open from a request or share link. The box is never pre-checked, and you choose the number you want texts at. A Coffr subscriber cannot opt you in, and a subscriber adding your number to a request does not mean we will text it. Until you opt in, we contact you by email. Your consent covers Coffr alerts to that number until you cancel. Consent is not a condition of purchase or of using Coffr.

Message frequency. Message frequency varies with the requests and shares you send or receive.

Costs. Message and data rates may apply. Contact your wireless carrier for details about your plan.

Opting out.  Reply STOP to any Coffr alert to cancel. You can also email support@getcoffr.com. We’ll send one message confirming you’ve unsubscribed, and then no more. To opt back in, reply START or check the consent box again on a secure Coffr page.

Help. Reply HELP for help, or contact us at support@getcoffr.com or 888.867.2740.

Carriers. Carriers are not liable for any delayed or undelivered messages.

Supported carriers. Supported carriers include major U.S. carriers. Coverage isn’t guaranteed on every carrier.


Changing your number. If you change your mobile number, please update your preferences or reply STOP from the old number.

Privacy. We handle your mobile number and messaging data under our Privacy Policy. We do not sell, rent, or share mobile phone numbers or SMS opt-in consent with third parties or affiliates for their marketing purposes.

Changes. We may update these SMS and RCS terms. If a change is material, we’ll notify you before it takes effect.

Some features require identity verification through our identity-verification provider. You authorize Coffr and that provider to collect and check the documents you submit. False or stolen identity information is grounds for immediate suspension.

We use bank-connectivity services and, where offered, micro-deposits to confirm account ownership. You authorize those test credits or debits. You may share verified details only with people you choose through the Services. You are responsible for the accuracy of accounts you add and for who you authorize.

Shares and requests create time-limited links. You must only send them to intended recipients. Recipients may need to verify a phone number before viewing. You can revoke a share subject to what the recipient has already viewed. Coffr does not move money and is not a bank, money transmitter, or payment processor for your wires or ACH credits.

Verified events may be hashed and written to a public ledger. Hashes are public and permanent. They do not contain raw account numbers. You acknowledge we cannot erase a ledger record.

You will not: break the law; impersonate others; attempt to access another account or decrypt data you were not given; scrape or overload the Services; reverse engineer the software except as law allows; interfere with blockchain records; or use the Services to commit or conceal fraud. We may suspend or terminate for violations.

Paid plans are billed through our billing provider on a recurring basis. Fees are non-refundable except where law requires. Cancellation takes effect at the end of the current period. We may change prices with 30 days' notice to the account email. Usage limits on free or trial access are described in the product.

The Site, Services, software, design, and Coffr marks are owned by Coffr, LLC or its licensors. We grant a limited, non-exclusive, non-transferable license to use the Services for your internal business purposes. You keep ownership of the data you submit. You grant us a license to host and process that data solely to provide the Services.

Use is also governed by the Privacy Policy.

The Services depend on third-party authentication, hosting, bank-connectivity, identity-verification, messaging, billing, and public-ledger providers. Their terms and outages are outside our control. Your use of their widgets is also subject to their terms.

THE SITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that verification will detect every fraudulent account or that the Services will be uninterrupted.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COFFR IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR LOST FUNDS SENT TO THE WRONG ACCOUNT. OUR TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF AMOUNTS YOU PAID US IN THE SIX MONTHS BEFORE THE CLAIM OR $100. Some jurisdictions do not allow these limits.

You will indemnify Coffr and its officers, directors, and employees against claims arising from your use of the Services, your content, your shares or requests, or your violation of these Terms or law.

You may stop using the Services at any time. We may suspend or terminate access with or without notice if you violate these Terms or if we discontinue the Services. Sections that should survive (including intellectual property, disclaimers, liability limits, indemnity, and governing law) survive.

Texas law governs, without regard to conflict-of-law rules. Disputes will be resolved by binding individual arbitration under the American Arbitration Association in Austin, Texas, except that either party may seek injunctive relief in court for IP or unauthorized access. You waive class actions and class arbitration. If a court finds the class waiver unenforceable, that claim proceeds in court, not arbitration.

[A]. Eligibility. The Service is available only to persons 18 years of age or older located in the United States. By using the Service, you represent that you meet these requirements.

[B]. No Handling of Funds. Coffr verifies identities and account ownership. Coffr does not hold, receive, or transmit funds and is not a party to any payment. You are solely responsible for every payment you make, including confirming the recipient and the amount.

[C]. Your Responsibilities. You are responsible for keeping your login credentials, email, and devices secure; for sending invitations only to the intended party; and for reviewing account details before you make any payment. You shall notify Coffr promptly of any unauthorized use of your account. Coffr is not liable for any loss arising from your failure to meet these responsibilities.

[D]. Coffr's Insurance. Coffr maintains insurance for its own benefit, with aggregate limits of up to $5,000,000, subject to the terms, conditions, and exclusions of its policies. You are not an insured or a third-party beneficiary under any policy. Nothing on Coffr's website or in these Terms is a guarantee, warranty, or promise that Coffr or any insurer will pay you any amount.

[E]. Your Insurance. Coffr does not provide insurance to you. You are responsible for obtaining any insurance you need.

[F]. Disclaimer. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, COFFR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND DOES NOT WARRANT THAT ANY PAYMENT WILL REACH ITS INTENDED RECIPIENT.

[G]. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) COFFR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS; (b) COFFR SHALL NOT BE LIABLE FOR ANY LOSS ARISING FROM YOUR OWN ERRORS, UNAUTHORIZED ACCESS TO YOUR ACCOUNTS OR DEVICES, OR THE ACTS OF ANY OTHER USER, BANK, OR THIRD PARTY; (c) EXCEPT AS PROVIDED IN (d), COFFR'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF THE FEES YOU PAID COFFR IN THE 12 MONTHS BEFORE THE CLAIM OR $100; AND (d) FOR ANY CLAIM ARISING FROM A COFFR SECURITY INCIDENT, COFFR'S TOTAL LIABILITY SHALL NOT EXCEED THE LESSER OF YOUR DIRECT LOSS AND $250,000 PER INCIDENT. "COFFR SECURITY INCIDENT" MEANS UNAUTHORIZED ACCESS TO COFFR'S SYSTEMS, OR AN UNAUTHORIZED ACT BY COFFR PERSONNEL, THAT ALTERS VERIFIED ACCOUNT DETAILS RECORDED BY COFFR. THIS SECTION DOES NOT CREATE ANY OBLIGATION TO PAY; IT ONLY LIMITS LIABILITY THAT IS OTHERWISE ESTABLISHED.

[H]. Indemnification. You shall defend, indemnify, and hold harmless Coffr and its officers, employees, and agents from any claims, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Service.

[I]. Governing Law. These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules.

[J]. Arbitration and Class Action Waiver. Any dispute relating to the Service or these Terms shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules (for consumers) or Commercial Arbitration Rules (for businesses). Either party may bring an individual claim in small claims court. YOU WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION. You may opt out of this Section within 30 days after first accepting these Terms by emailing legal@getcoffr.com.

[K]. Time to Bring Claims. Any claim relating to the Service must be brought within one (1) year after it arises, or it is permanently barred.

[L]. Consumer Rights. Nothing in these Terms limits any right you have under applicable law that cannot be waived or limited by contract. Some states do not allow certain warranty exclusions or liability limits, so some of the above may not apply to you.

Coffr, LLC
7415 Southwest Parkway, Building 5, Suite 500-670
Austin, TX 78735

• legal@getcoffr.com
• support@getcoffr.com
• hello@getcoffr.com
• 888.867.2740