Link Account Terms

Last updated: July 31, 2023

a. Link is a service that allows you to save and manage your information for an accelerated experience (“Link”). Link powers an accelerated checkout by storing your information upon your authorization and retrieving it for faster checkouts. When you make a purchase at a business that uses Stripe and offers Link as an accelerated checkout option (a “Link Merchant”), you will be asked if you would like to save your information or use your information saved to your Link account for future payments across Link Merchants when you are logged in with us on the same browser, app or device. 

b. When you authorize us to save your information, you are signing up for Link and creating a Link account (“Link Account”), and we will collect and store certain personal information from you, such as:

  • (i) Your name, email address, and mobile phone number (“Account Information”); 
  • (ii) Your credit card, debit card, bank account information, and billing address (“Payment Information”); 
  • (iii) Your shipping address (“Shipping Information”); and 
  • (iv) Information related to your purchase from a Link Merchant, such as the order date, amount, and product details (such as name, price, photos) (“Order Information”). 

c. Together, your Account Information, Payment Information, Shipping Information and Order Information are your “Saved Information.” All personal information collected from you in connection with your use of Link is governed by the Link Privacy Policy. As provided in more detail in the Link Privacy Policy, we may use your personal information to develop and analyze our services, and we may share with our Link Merchants and our Business Users any of the following: (i) the fact that you have a Link Account, (ii) completed a purchase using Link, or (iii) the payment method type used for a purchase you made using Link. Business Users are businesses that are using our products and services for business purposes, subject to the Stripe Services Agreement.

d. When you use Link on a Link Merchant’s website, we or the Link Merchant  will use cookies or similar technologies to link your web browser, app or device to your Link Account and to recognize you when you visit that Link Merchant or another Link Merchant on the same browser or device. You can then make purchases using your Account Information, Payment Information, and Shipping Information across Link Merchants when you are logged in with us on the same browser, app or device. In such cases, we will provide the Link Merchant with your Account Information, Payment Information, and/or your Shipping Information to facilitate a faster checkout. If we don’t recognize you (for example, because you’ve cleared your cookies, you’re logged out of Link, or you're using a device that is different from the one you used to last access Link), you will be able to access your Saved Information by logging into your Link Account, such as by inputting your email address and a verification code sent to you via SMS text message or an email from Link.

a. You may only save Payment Information with us that you are authorized to use. 

b. When you are logged into your Link Account and you input or use a new payment method (such as a different debit or credit card, or a different bank account), you authorize Stripe to save that new payment method information to your Link Account as part of your Payment Information. The last payment method you used to make a successful transaction may become your default payment method the next time you are completing a transaction on a Link Merchant’s site. You may also change your default payment method by logging into your Link Account on app.link.com. 

c. Message and data rates may apply for any SMS messages that we send to you, or you send to us. If you have any questions about your text plan or data plan, contact your wireless or mobile provider.

d. We reserve the right to modify or terminate Link or any of the features or tools provided therein for any reason (acting in our reasonable discretion), and at any time. We will try to notify you first unless it is unreasonable to do so. 

e. We reserve the right to refuse service to anyone for any reason at any time.

a. These Link Account Terms are effective unless and until they are terminated by either you or us. You may terminate these Link Account Terms at any time by deleting your Link Account.

b. If you want to delete your Saved Information, your Link Account, or stop storing information using Link, please let us know by visiting https://support.link.com/how-to-delete-your-saved-payment-information  and submitting your email address.

c. You can manage your Saved Information on your Link Account, the next time you checkout on a Link Merchant site, or by visiting https://support.link.com/ for more instructions. Should you update your Payment Information, you authorize Stripe to validate and store your Payment Information, including your credit card, on file. 

d. If your access to your Link Account is terminated by you or us, we will delete your Saved Information in accordance with our Privacy Policy.

4. Adding or Removing a Payment Method

a. You can add or remove certain payment methods to your Link Account such as a credit card, debit card, or a U.S. bank account. Before linking a payment method, you should review and understand the consumer protection rights and remedies available for different payment sources in  your jurisdiction, such as under the Electronic Fund Transfer Act (EFTA) and Fair Credit Billing Act (FCBA) in the United States.

b. Please keep your Payment Information current (e.g., credit card number and expiration date). If this information changes, we may update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your Payment Information from your Link Account. 

c. Removing a payment method from your Link Account does not cancel or change any amounts you still owe to a Link Merchant. Specifically, if you remove a payment method from your Saved Information, this will not terminate or cancel any subscriptions you may have purchased with a Link Merchant using your Saved Information. You must cancel your subscriptions with the Link Merchant directly. 

d. We may ask you to connect your bank account to your Link Account to make it easier to pay with your bank account subsequently through your Link Account. Any bank account you choose to save to your Link Account is referred to as a “Saved Bank Account.”  Through your Link Account and under the Financial Connections Terms, you may also choose to provide your Saved Bank Account details directly to a Business User regardless of whether Stripe is involved in a subsequent transaction. We will collect data from your Saved Bank Account (and other accounts under the same account credentials) pursuant to the Financial Connections Terms and the Link Privacy Policy. We may use your Saved Bank Account data to, among other things, verify that your Saved Bank Account is valid, check your balance to confirm there are sufficient funds for your purchase, streamline your requested payments and assess your eligibility for and offer you Consumer Services that we or our affiliate provides. 

e. Each time you use your Link Account to pay a Link Merchant using your Saved Bank Account, you are authorizing the Link Merchant to debit your Saved Bank Account for up to the total amount you authorize the merchant to charge (“Total Authorized Amount”) pursuant to the Link Bank Payments Authorization. You authorize us to retry a debit on your Saved Bank Account if your bank rejects the original debit. If the Link Merchant chooses, they may debit your Saved Bank Account, pursuant to your Link Bank Payments Authorization, for amounts less than the Total Authorized Amount, which in the aggregate will not exceed the Total Authorized Amount. Where your Saved Bank Account is a U.S. bank account, you agree that your grant of the authorization in this paragraph complies with the National Automated Clearinghouse Association (NACHA) operating rules and has the same legal effect as if you had signed a paper mandate containing the same terms. 

f. If you do not see an option to pay using a bank account through your Link Account, it may be because the Business User has not allowed those payments or the Business User or bank is not eligible for bank payments via our Consumer Services. If your bank account transaction fails without an actual attempt to debit your Saved Bank Account, it may be because we determined the transaction is at high risk of being returned unsuccessfully (e.g. if your historical account balance is below the transaction amount). This can help prevent you from incurring insufficient funds fees from your bank. We recommend that you use a different bank account or payment method or reach out to us if you have questions. Your use of your bank account as a payment method is also subject to the terms, benefits, and protections associated with your personal bank account. If you use your bank account as a payment method and do not have sufficient funds to make a purchase, you could incur overdraft fees, insufficient funds fees or other fees with your bank. 

g. If at any time you would like to revoke your Link Bank Payments Authorization or you no longer want your Saved Bank Account to be a payment method saved to your Link Account, you must delete your Saved Bank Account as a payment method from your Link Account. If a payment with your Saved Bank Account was not initiated from your Link Account but involved Link or Stripe connecting your financial account with that Business User, please see the Financial Connections Terms or this page for information on how to disconnect your Saved Bank Account.

5. Backup payment method

a. If your default or selected payment method is unavailable or the transaction is unsuccessful using that payment method (for example, because your Saved Bank Account has insufficient funds), the Link Merchant may initiate a transaction on any other payment method saved to your Link Account (a “Backup Payment Method"). Generally, transactions on Backup Payment Methods will be attempted in the following order, if applicable: (1) Saved Bank Account, (2) debit card, and (3) credit card. In some cases, a Backup Payment Method of the same type will be used (for example, if your default payment method is a card, the Backup Payment Method may also be a card).  

b. We will identify that a Backup Payment Method applies before you complete the purchase (e.g., whether during a one-time checkout or for any subscription payments, during the initial subscription purchase). 

c. If you do not wish to have a Backup Payment Method used, you may either (i) not consent to the use of the Backup Payment Method or (ii) manage your payment methods on your Link Account. 

6. Security

a. We take the protection of your Saved Information seriously and have  implemented technical and organizational measures designed to safeguard it from accidental loss and from unauthorized access, use, alteration, or disclosure. These measures include industry-standard practices and technology to help maintain the security, confidentiality, and integrity of your data. 

b. While we strive to provide robust security, no system is completely foolproof. We cannot guarantee that unauthorized third parties will never be able to defeat our security measures or misuse your Saved Information. We encourage you to remain vigilant and take responsibility for securing your personal information, knowing that you provide it at your own risk. 

c. Learn more about our security here.  If you have reason to believe that the security of your Link Account has been compromised, please contact us immediately at support.link.com/contact.

7. Dormant Accounts

a. If your Link Account remains inactive for a continuous period of two years, we may consider the account dormant and may close your Link Account at our discretion (a “Dormant Account”). 

b. A Link Account is considered a Dormant Account if you have not done any of the following Link Account activities during a continuous two year period: 

  • (i) Making a payment or purchase using Link at a Link Merchant;
  • (ii) Adding, updating or removing any of your Saved Information;
  • (iii) Initiating account settings changes or updating security preferences;
  • (iv) Engaging with customer support related to your Link Account, including inquiries or disputes; and
  • (v) Logging in to your Link Account and browsing or reviewing transaction history.

c. Prior to closing the Dormant Account, Stripe will notify you using the email address associated with your Link Account. Starting from the date of our notice to you, we will provide you with a period of 30 days to reactivate your Link Account by logging in and performing any Link Account activity listed above.

d. If Stripe does not receive a response or the account remains inactive after the 30-day notice period, your Link Account will be closed.

8. Protection from Unauthorized Transactions (only for U.S. consumers)

a. You may view your Link Account statement that shows your Link Account transactions and certain Order information by logging into your Link Account (“Link Transaction History”).

b. To protect yourself from unauthorized activity in your Link Account, you should regularly log into your Link Account and review your Link Transaction History. You should review transaction details to ensure that each transaction was authorized and accurately completed.

c. Stripe will protect you from unauthorized transactions initiated with your Link Account. When this protection applies, Link will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below.

d. What is an Unauthorized Transaction. An “Unauthorized Transaction” occurs when your Link Account is used to make a purchase with a debit card issued by a U.S.-based bank or a U.S. bank account that you did not authorize and that did not benefit you. For example, if someone steals or fraudulently obtains access to your Link Account and makes a purchase using your Link Account with a saved U.S. debit card or a U.S. Saved Bank Account, an Unauthorized Transaction has occurred.

e. What is not considered an Unauthorized Transaction. The following are NOT considered Unauthorized Transactions:

  • (i) If you grant authority to someone to use your Link Account (by giving them your login information) and they exceed the authority you gave them. You are responsible for transactions made in this situation unless you have previously notified Stripe that you no longer authorize transactions by that individual.
  • (ii) Other unauthorized purchases using the Saved Bank Account, including via Stripe’s payment processing services, but that are not initiated with your Link Account. For those types of unauthorized purchases, contact your financial institution to report the unauthorized activity. 

f. Reporting an Unauthorized Transaction.

  • (i) If you believe your Link Account has been compromised, please contact Link consumer support immediately at support.link.com/contact or call 1-888-820-7551.
  • (ii) Tell us IMMEDIATELY if you believe that an electronic fund transfer has been made without your permission using your login information or by other means. If you tell us within the 60 days after we provide you with your Link Transaction History showing transfers you did not make, you may be eligible for a refund of the full amount paid for Unauthorized Transactions.

9. Error Resolution (only for U.S. consumers)

a. What is an Error. An “Error” means the following:

  • (i) An “Unauthorized Transaction”, as it is defined above.
  • (ii) When a transaction is incorrectly recorded in your Link Account.
  • (iii) You send a payment and the incorrect amount is debited from your Link Account.
  • (iv) An incorrect amount is credited to your Link Account.
  • (v) A transaction is missing from or not properly identified in your Link Transaction History.
  • (vi) We make a computational or mathematical error related to your Link Account.
  • (vii) You request Link Transaction History that Stripe is required to provide to you.
  • (viii) You request information concerning pre-authorized (recurring) transfers from your Link Account that Stripe is required to provide to you.
  • (ix) You request additional information or clarification concerning a transfer from your Link Account, including a request you make to determine whether an error has occurred.
  • (x) You inquire about the status of a pending transfer from your Link Account.

b. What is not considered an Error. The following are NOT considered Errors:

  • (i) If you give someone access to your Link Account (by giving them your login information) and they use your Link Account without your knowledge or permission. You are responsible for transactions made in this situation.
  • (ii) Requests for duplicate documentation or other information for tax or other recordkeeping purposes.

c. In case of Errors or questions about your electronic transfers

  • (i) Telephone us at 1-888-820-7551, contact us at support.link.com/contact, or write us at Link │ Built by Stripe Stripe, Inc. 354 Oyster Point Blvd. South San Francisco, CA 94080
  • (ii) Notify us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after the problem or error appeared on your Link Transaction History.
    • 1. Tell us your name and account number.
    • 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    • 3. Tell us the dollar amount of the suspected error.
  • (iii) If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
  • (iv) We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. 
  • (v) We will tell you the results after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.