Ranger End User Agreement
This agreement governs your use of the Ranger mobile app for Android and iOS (the “Agreement”). Ranger is a service that helps you achieve your financial goals by allowing you to have a consolidated view of your accounts held at other financial institutions. As an innovation from U.S. Bank, Ranger offers the security for your personal information that you would expect from a large bank, but you should make sure to carefully review the terms and conditions for Ranger to understand how your Ranger relationship differs from having a traditional bank account at U.S. Bank.
This Agreement is revised periodically, and it may include changes from earlier versions. By using Ranger, you agree to the most recent version of this Agreement.
Privacy & Security
Protecting your privacy is important to us. All information gathered from you in connection with using Ranger will be governed by the provisions of the Ranger Online Privacy and Security Policy available here.
Protecting your log-in credentials
Prevent unauthorized access to Ranger by keeping your Log-in Credentials confidential and ensuring that you log out of Ranger when you are finished. If you choose to activate a biometric feature (such as a fingerprint or face scanner), it is your responsibility to control access to Ranger just as you would with your personal ID and password. You acknowledge that any person who has a biometric feature stored in your device may be able to access the services provided by Ranger.
If you allow a third party to access Ranger using your Log-in Credentials, you agree that each such person or entity will be acting as your “Agent” and will be bound by this Agreement (and any separate agreement associated with Ranger). We are not responsible for managing your third-party relationships and any arrangements between you and an Agent are strictly between you and the other party. We are not liable to you if your Agent exceeds the scope of authority granted, and any transaction initiated by your Agent using your Log-in Credentials, even if not specifically intended by you, is considered a transaction authorized by you. Should you decide to revoke any access you have given to an Agent, you must contact us, in which case we may need to block your access to Ranger until new Log-in Credentials are established.
Contact email@example.com immediately if:
- You would like to change, disable, or revoke your password.
- You believe that your password or other means to access Ranger has been lost or stolen.
- You believe that someone may attempt to use Ranger without your consent or has transferred money without your permission.
Monitoring and recording communications
We may monitor and/or record any communications between you and us (or our Service Providers) for quality control and other permitted business purposes. This monitoring or recording may be done without any further notice to you or anyone acting on your behalf.
Providing Personal Information
Your enrollment with Ranger may not be fulfilled if we cannot verify your identity; you agree to provide current and complete information about yourself and you agree not to misrepresent your identity. Changes to your information can be made within the Ranger App or by contacting us at firstname.lastname@example.org.
For the duration of our relationship, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, to allow us to verify your identity and to compare information you have provided to us with your wireless operator account profile information. See the Ranger Online Privacy and Security Policy for more information on how we treat your data.
Receiving text messages and other communications
By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur fees from your mobile services provider.
We use text messaging services to send you one-time passcodes, security alerts, and transactional messages associated with Ranger. You represent that you are authorized to use the mobile phone number that you use for Ranger, and you expressly consent to the receipt of text messages from us. Message frequency depends on your account settings and how often you use the services that utilize such functionality. If you need assistance, reply to the text message with the word “HELP.” To stop receiving text messages on your mobile phone, reply to the text message with the word “STOP.”
Text messaging services are available from all major wireless operators based in the United States of America (AT&T, Verizon Wireless, T Mobile®, Sprint, Metro PCS, U.S. Cellular®, and Cincinnati Bell). Text messages may be delayed (or not delivered) if your mobile device is not in range of a transmission site, placed in airplane mode, or if the network is not available at a particular time. Even within a coverage area, factors beyond the control of your wireless operator may interfere with message delivery, including your equipment, terrain, proximity to buildings, foliage, and weather. You acknowledge that urgent alerts may not be punctually received, that your wireless operator does not guarantee that alerts will be delivered, and that we, our service providers, and the wireless operators are not liable for delayed or undelivered messages.
Features to help manage your money
Account aggregation services
Account aggregation services help you manage your finances by allowing you to have a consolidated view of select account information from your accounts held at other financial institutions.
Authority to access accounts on your behalf
You represent that you are a legal owner, or an authorized user, of the account(s) at other financial institutions which you access through Ranger, and that you have the authority to designate us as your agent and provide us with the passwords, usernames, and all other information associated with accessing your account(s) at other financial institutions.
You hereby grant us a limited power of attorney, and appoint us as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers, or electronic documents to retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. You understand and agree that Ranger is not sponsored or endorsed by any third-party site. You acknowledge and agree that when we access and retrieve information from third-party sites, we are acting at your request and with your permission and authorization, and not on behalf of the third-party sites.
License to use your information
Your use of Ranger is your authorization for us, as your agent, to access third party sites which you designate to retrieve your information. You are licensing to us any information, data, passwords, materials or other content (collectively, “Content”) provided through, or in connection with, such account aggregation services. You agree that we may use, modify, display, distribute and create new material using such Content for the purpose of providing the services associated with Ranger. Except as otherwise provided herein, we may store, use, change, or display such Content to provide additional services to you.
Account comparison services
Ranger can help you identify opportunities to make your money work harder by detecting the funds you have in low yield accounts and showing you options for higher yield accounts.
Account comparisons are for informational purposes only, and all information presented in conjunction with any account comparison is subject to change without notice. Accounts are offered by unaffiliated financial institutions and Ranger makes no endorsement of the product, services, or financial institution offering such services.
Opening an account
If you choose to open an account with a featured financial institution, you will be redirected to the website of that financial institution to apply for the account. Ranger makes no guarantee that you will receive the stated rate(s) or that you will be approved for an account. Once your account is open you will need to link it to Ranger before you are able to move money to or from that account.
You can use Ranger to fund new accounts and move money between accounts that you have linked to Ranger.
Opening a Dwolla Platform account
The Dwolla Platform account is not a deposit account, it is only used to facilitate the transfers of money you initiate using Ranger. You understand that you will not have direct access to the Dwolla Platform account and your payment instructions will be initiated using Ranger. Any Dwolla Platform account notification will be sent by us, not Dwolla.
We will provide customer support for your Dwolla Platform account activity and can be reached at email@example.com.
The funds transfer process typically takes 3-5 business days during which time the funds pass through Dwolla's financial institution partners as set out in the Dwolla Terms of Service – while in transit the funds are not eligible for deposit insurance.
The maximum amount of money that can be transferred in a single funds transfer is $5,000. The maximum monthly amount that can be transferred is $15,000. We may change these limits at our sole discretion based on periodic risk assessments.
You are hereby granted a personal limited license to download, install, and use Ranger on your mobile device.
This license shall be deemed revoked immediately upon any of the following:
- You delete Ranger from your device.
- You fail to comply with this Agreement.
- We provide written notice to you at any time, with or without cause.
In the event this license is revoked for any of the foregoing reasons, you agree to promptly delete Ranger from your mobile device if you have not already done so.
This license does not amend or supersede any agreements you may have with your mobile service provider or device manufacturer. You understand that those agreements may provide for fees, limitations, and other restrictions that might impact your use of Ranger.
Links to other internet sites and third-party services
All matters concerning third-party websites, merchandise, and services provided or operated by third parties are solely between you and the third party. We make no warranties or representations whatsoever with regard to any third-party website, merchandise, or service and we are not responsible or liable to you for any damages, loses, or injuries of any kind arising out of your use of any third-party website.
Message and data rates may apply to some features of Ranger. You are responsible for any fees and charges that may apply to the download and use of Ranger.
For security purposes, Ranger may only be used on one mobile device at a time. If you need to switch the device that you use to access Ranger, please contact us at firstname.lastname@example.org.
Some third-parties may limit (or block) account aggregation services. You are responsible for understanding whether such limitations exist and how these limitations may impact your ability to link accounts held with these third-parties. We are not liable for errors that may result from limitations imposed by third parties.
Any information displayed or provided as part of Ranger account aggregation is for informational purposes only, may not reflect your most recent transactions, and should not be relied on for transactional purposes.
Intellectual property rights
All content connected with Ranger is the exclusive intellectual property of us, our licensors, and/or Service Providers and it is protected by copyrights and other intellectual property rights. You are permitted to use content delivered to you through Ranger only for your personal use. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse-engineer or reverse-compile any technology, including any software or other content associated with Ranger.
The trademarks, logos, and service marks displayed in connection with Ranger are the registered and unregistered trademarks of us and/or our Service Providers. Under no circumstances may you use, copy, imitate, alter, modify, or change these trademarks. Nothing contained on, in, or otherwise connected with Ranger should be construed as granting (by implication or otherwise) any license or right to use any trademark without the express written permission of us or the third party, which has rights to such trademark.
All messages, suggestions, ideas, notes, concepts, know-how, techniques, data, applications, mail, and other information you may send to us through or regarding Ranger shall be considered an uncompensated contribution of intellectual property to us and shall become our exclusive intellectual property. By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called “moral rights” in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.
This Agreement is specific to the services provided by Ranger and is in addition to other agreements and disclosures that apply to the account(s) you link to Ranger. For example, when you use Ranger to access your account(s) from a financial services provider, the terms and conditions of your linked account continue to apply.
You are responsible for and must provide all mobile devices, computers, and/or other equipment, software (other than any software provided by us), and services necessary to access Ranger. You may need additional software that is capable of opening PDF files (such as Adobe Acrobat) to view, print, and/or save electronic versions of your documents.
Accessing Ranger from outside the United States
Ranger may not be available in all countries, and you understand that the described products and services are intended for customers located in the United States and U.S. Territories; all information and transactions described within Ranger are reflected as U.S. currency. You also understand that we are based in the United States, and your use of Ranger may subject you to United States law (including laws that govern the use and collection of personal data).
We do not make any representation that Ranger is appropriate or available for use outside the United States or U.S. Territories. You are prohibited from accessing Ranger from territories where the use of any such service is illegal. If you choose to access Ranger from locations outside the United States or U.S. Territories, you do so at your own risk and you are responsible for compliance with local laws.
You acknowledge that your use of Ranger is subject to the United States government export control laws and regulations, which may restrict or prohibit the use, export, re-export, or transfer of Ranger and any associated software. You agree that you will not directly or indirectly use, export, re-export, or transfer Ranger except in compliance with applicable U.S. export laws and regulations. Without limitation, you agree that you will not use Ranger in any embargoed or sanctioned country.
No illegal use
Ranger is intended for customers that are 18 years old or older. You agree not to use Ranger to conduct any business or activity or solicit the performance of any activity prohibited by law or any contractual provision by which you are bound and you agree to comply with all applicable laws, rules and regulations in connection with Ranger.
You agree not to use Ranger or the Content delivered through Ranger in any way that would: (a) be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of Ranger to impersonate another person or entity; (b) violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (c) access the information and content programmatically by macro or other automated means; or (d) use Ranger in such a manner as to gain unauthorized entry or access to computer systems.
We reserve the right to modify this Agreement at any time. You will receive notice in accordance with applicable law when any changes are made that materially affect your rights. By accessing Ranger and continuing to engage in the services provided, you agree to the most recent version of this Agreement.
Delay or suspension of service
Without limiting any other provision of this Agreement, if we or any other Service Provider reasonably believes that your conduct in using Ranger constitutes a “Threatening Condition” (including but not limited to, violation of this Agreement, violation of any applicable laws, rules, regulations or industry standards, or otherwise poses a threat to any system, equipment, process, intellectual property, or the reputation of us or any Service Provider, we or any such Service Provider may provide you with a notice to cease the Threatening Condition. If, in the reasonable and good faith determination of us or any Service Provider, the Threatening Condition poses an imminent or actual threat (including regulatory investigation, inquiry or penalty) to us or any Service Provider or its systems, equipment, processes, or intellectual property, you agree that we or any other Service Provider may suspend any and all use of Ranger without notice.
Term and termination
We reserve the right to add or eliminate features to Ranger, and we may terminate all or part of this Agreement and your use of any or all features of Ranger for any reason and at any time with or without prior notice as the law requires. You agree that you will immediately stop using Ranger upon our request.
You may voluntarily terminate your access to Ranger and withdraw your consent to this Agreement by deleting Ranger from your device.
All applicable provisions of this Agreement shall survive termination by either you or us, including, without limitation, provisions related to your liability, intellectual property, warranty disclaimers, limitations of liability, and indemnification.
Neither we, nor Service Providers, represents or warrants the accuracy, adequacy, completeness or timeliness of the services provided by Ranger, or the error free use of Ranger. All features of Ranger are provided “as is” and “as available,” without warranty of any kind, either express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from a computer virus.
In the event of a system failure or interruption, your data may be lost or destroyed. You assume the risk of loss of your data during any system failure or interruption.
Limitation of liability; indemnification
In no event will we or any Service Providers be liable under any contract, tort, negligence, strict liability or other claim for any direct, indirect, incidental, special, consequential or exemplary damages, including, without limitation, damages for loss of profits, goodwill, use, data, or other intangible losses (even if advised of the possibility of such damages), whether caused by or resulting from (1) the use or the inability to use Ranger; (2) any failure of performance, error, omission, interruption, delay in operation or transmission, computer virus, loss of data, theft, destruction, or unauthorized access to your information; (3) errors, inaccuracies, omissions, or other defects in information or content provided by, contained within, or obtained through Ranger, or (4) any other failure, action, or omission.
You agree to indemnify, defend, and hold us and our Service Providers harmless from any and all third-party claims, actions, liability, damages and/or costs (including but not limited to reasonable attorney’s fees) arising from (1) a third-party claim, action or allegation of infringement, misuse or misappropriation based on information, data, files or other materials submitted by you to or through Ranger; (2) any fraud, manipulation or other breach of this Agreement by you; (3) any third-party claim, action or allegations brought against us arising out of or relating to a dispute with you over the terms and conditions of an agreement or related to the purchase of sale of any goods or services; (4) your violation of any law or rights of a third party; or (5) use of Ranger by any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. You will not settle any action or claims on our behalf without our prior written consent.
We will not be deemed to have waived any of our rights or remedies with regard to this Agreement, unless our waiver is in writing and signed by our authorized officer. No delay or omission on our part in exercising any rights or remedies will operate as a waiver. A waiver on one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.
Severability and headings
If any provision of this Agreement is held to be void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in any other jurisdiction or the validity or enforceability of any other provision in that or any other jurisdiction.
The headings in this Agreement are for convenience or reference only and do not govern the interpretation of provisions of the Agreement.
You may not assign your obligations under this Agreement to any other party and we will not honor any such assignment. We may assign this Agreement and you agree that we have the right to delegate to Service Providers all of the rights and performance obligations that we have under this Agreement, and that the Service Providers will be third-party beneficiaries of this Agreement and will be entitled to all the rights and protections that this Agreement provides to us.
Complete agreement; governing law
This Agreement represents the sole and exclusive agreement between you and us regarding Ranger and merges and supersedes all previous and contemporaneous written or oral agreements and understandings regarding the subject matter hereof.
This Agreement is governed by all applicable Federal laws of the United States of America and the laws of the State of Minnesota (without regard to any choice of law provisions thereof).
The following definitions apply in this Agreement:
The words “we,” “our,” and “us” mean U.S. Bank National Association (“U.S. Bank”), our Service Providers, and respective affiliates, successors, and assigns.
The words “you” and “your” means the person or persons that use Ranger.
“Log-in Credentials” means your personal ID, password, and any other unique biometric attribute (such as facial recognition or fingerprint) used to access Ranger.
“Service Providers” means MX Technologies, Inc. and any other third party that we have engaged to provide equipment, or other services in connection with Ranger. This includes any agent, independent contractor, or subcontractor of any of the foregoing. You agree that we have the right under this Agreement to delegate to Service Providers all of the rights and performance obligations that we have under this Agreement, and that the Service Providers will be third party beneficiaries of this Agreement and will be entitled to all the rights and protections that this Agreement provides to us.