5.1. US Dollar (USD) Funds. You can load funds into your BuckOne Wallet from a valid bank account via ACH transfer, wire transfer, or other provided means. Your USD balance is in a pending state and will not be credited to your USD Wallet until after the bank transfer has cleared, usually within five (5) business days. We may debit your linked bank account as soon as you initiate payment. The name on your linked bank account and your wire transfer must match the name verified on your BuckOne Account.

5.2. Transactions on the BuckOne Application. When you purchase the application or transfer USD funds on the BuckOne Inc. application (which, for clarity, does not include transactions with Third Party Services (as defined below), you are purchasing the Services provided by Buck One Inc. You can purchase Supported Services (e.g., application support plans) on the BuckOne application using: (i) funds in your Digital Wallet; (ii) ACH transfer; (iii) a valid bank account in the name that matches the name on your BuckOne Inc. Account; (iv) a debit or credit card that matches the name on your BuckOne Inc. Account; or other valid payment method or coupon code (each a “Valid Payment Method”). Your purchase must follow the relevant instructions on the BuckOne Inc. application. BuckOne reserves the right to cancel any transaction not confirmed by you within five (5) seconds after BuckOne processes payment. If BuckOne Inc. cannot complete your Digital Asset Transaction for any reason (such as price movement, market latency, inability to find a counterparty for your transaction, or order size), BuckOne Inc. will reject the order and notify you of such rejection. You will not be charged for a rejected transaction.

5.3. Fees. In general, BuckOne Inc. makes money when you purchase one of the application support plans (BuckOne Gold 7.99 USD/month, BuckOne Silver 5.99 USD/month, or BuckOne Bronze Free Access). A description of the fees and services may be found on our Pricing and Fees Plans within the application. By using BuckOne Inc. Services you agree to pay all fees and, if applicable based on the service, a spread. BuckOne Inc. reserves the right to adjust its pricing and fees and any applicable waivers at any time. We notify you of the final price of each transaction, inclusive of pricing and fees, when you authorize the transaction and in each receipt we issue to you. Bank fees charged to BuckOne Inc. are netted out of transfers to or from BuckOne Inc. You are responsible for paying any additional fees charged by your financial service provider in the event they charge a transaction or transfer fee.

5.4. Recurring Digital Transactions. If you initiate recurring Monetary Transactions, you authorize us to initiate recurring electronic payments in accordance with your selected Service Plan and any corresponding payment accounts, such as recurring automated clearing house (ACH) debit or credit entries from or to your linked bank account. This authorization will remain in full force and effect until you change your recurring transaction settings within the BuckOne Application, or until you provide us written notification at https://buckone.zendesk.com/hc/enus. Your recurring transactions will occur in periodic installments, based on your period selection (e.g., monthly, annually), until either you or BuckOne Inc. cancels the recurring order. Recurring transactions scheduled for the 29th, 30th, or 31st day of a month will be processed the earlier of the date scheduled or on the last day of the applicable month. For example, recurring transactions scheduled for the 31st will be processed on the 30th in April, June, September, and November. Your recurring transaction will be executed within the 24-hour day on the transaction date. Transaction times may vary for subscribed service plans. If you select a U.S. Bank Account as your payment method for a recurring transaction, and such transaction falls on a weekend or holiday, or after bank business hours, the ACH credit or debit will be executed on the next business day, although the Digital Asset fees at the time of the regularly scheduled transaction will apply. If your Bank is unable to process any electronic ACH debit entry, we will notify you of cancellation of the transaction and may use the remedies set forth in this User Agreement to recover any amount owed to BuckOne Inc.. You agree to notify BuckOne Inc. of any changes in your linked bank account information prior to a recurring transaction. BuckOne Inc. may, at any time, suspend or delay recurring transactions without notice or terminate recurring transactions by providing notice to you.

5.5. Credit Transaction Payments. You may use the “Make A Payment” option on the BuckOne Inc. application to authorize payments for any credit transaction with us, including any amount owing pursuant to any credit agreement you may enter with us or any of our affiliates. With this option, you can authorize us or our affiliates to make a one-time charge to your linked deposit account through the ACH network (your “Preferred Payment Method”). You may select or approve the dollar amount and transaction date for each one-time payment you authorize using your Preferred Payment Method. We and our affiliates reserve the right to limit the amount and date of these one-time charges, screen transactions, and take other steps for our own risk management and business reasons. Although we or our affiliates will try to notify you if your depository institution is unable or unwilling to process any one-time charge using your Preferred Payment Method, you agree we are not required to do, so and you are still required to make payments in the time and manner required by your credit agreement with us or any of our affiliates.

5.6. Revocation. When you give us instructions to purchase one of the BuckOne Application plans, you cannot withdraw your consent to that purchase unless the purchase is not scheduled to occur until a future date (“Future Transaction”). In the case of a Future Transaction, you may withdraw your consent up until the end of the business day before the date that the Future Transaction is scheduled to take place. To withdraw your consent to a Future Transaction, you must follow the instructions on the BuckOne Inc. application or website.

5.7. Unauthorized and Incorrect Transactions. When a transaction occurs using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible via our help page at https://buckone.zendesk.com/hc/en-us or via the Application. It is important that you regularly check your Digital Wallet and BuckOne application and your transaction history to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Reporting an unauthorized transaction does not guarantee BuckOne Inc. will be able to reverse the transaction or reimburse you for the transaction.

5.8. Account Information. You will be able to see your Digital Wallet balances using the BuckOne Inc. application. You can also see your transaction history using the BuckOne Inc. Site, including (i) the amount (and currency) of each Transaction; (ii) a reference to the identity of the payer and/or payee (as appropriate); (iii) any fees charged; and (iv) the date of each transaction.

5.9. Reversals & Cancellations. You cannot cancel, reverse, or change any transaction marked as complete or pending. If your payment is not successful, if your payment method has insufficient funds, or if you reverse a payment made from funds in your bank account, you authorize BuckOne Inc., in its sole discretion, either to cancel the transaction or to debit your other payment methods, including your Digital Wallet balances or other linked accounts, in any amount necessary to complete the transaction. You are responsible for maintaining an adequate balance and/or sufficient credit limits to avoid overdraft, non-sufficient funds (NSF), or similar fees charged by your payment provider. We reserve the right to refuse to process, or to cancel, correct, claw back, or reverse, any Digital Transaction or Transfers in our sole discretion, even after funds have been debited from your account(s), in response to a subpoena, court order, or other government order; or if we suspect the transaction may: involve money laundering, terrorist financing, fraud, or any other type of financial crime; be erroneous; or relate to a Prohibited Use or a Prohibited Business as set forth in the Prohibited Use Policy. In such instances, BuckOne Inc. will reverse the transaction and we are under no obligation to reinstate a purchase or sale order at the same price or on the same terms as the canceled transaction.

5.10. Payment Services Partners. BuckOne may use a third-party payment processor to process any payment between you and BuckOne, including but not limited to payments in relation to your use of the transactions or deposits or withdrawals from your Digital Wallet or BuckOne Application Account.