SA国际传媒

(Effective May 19th 2025; this "Addendum") supplements the SA国际传媒 Terms of Service and Business Deposit Agreement (collectively, the "Master Terms") entered into between SA国际传媒. dba SA国际传媒 ("SA国际传媒," "we," "us," or "our") and the business customer ("Customer," "you," or "your").

This Addendum governs your use of SA国际传媒鈥檚 optional early payment availability services: Instant Withdrawals and Balance Protection (collectively, the "Services"). By using either Service, you agree to the terms of this Addendum.

1. Services Covered

鈥燭imelines are estimates and not guaranteed. Actual timing may vary due to payment network processing, partner bank operations, and other factors.

2. Key Definitions

• "Available Balance": The total amount of funds in your SA国际传媒 account, calculated as the sum of your Settled Balance and your Unsettled Balance, that SA国际传媒 makes available for use, including for the Services described herein.
• "Conditional Credit": A temporary credit extended by SA国际传媒 to your account for the specific purpose of covering an eligible third-party ACH debit under the Balance Protection service, based on your Unsettled Balance.
• "Conditional Disbursement": The portion of an Instant Withdrawal that is funded from your Unsettled Balance.
• "Settled Balance": The portion of your SA国际传媒 account balance that consists of funds that have fully cleared all applicable payment networks and are finally collected and available for withdrawal without contingency.
• "Unsettled Balance": The portion of your SA国际传媒 account balance that represents the dollar value of inbound payments (e.g., ACH credits and card payments) for which SA国际传媒 or its partner financial institution(s) has received notification of impending settlement, but which have not yet become Settled Balance.

3. Eligibility and Limits

• Eligibility: The Services are available to U.S. business Customers with a SA国际传媒 account in good standing, as determined by SA国际传媒 in its sole discretion.
• Limits: SA国际传媒 may establish and modify, at its sole discretion and without prior notice (unless required by law), per-transaction, daily, or other periodic or aggregate limits on your use of the Services. These limits may be based on factors including, but not limited to, your account history, transaction volume, risk assessment, and compliance requirements. Current limits, if any, will be displayed within your SA国际传媒 dashboard or otherwise communicated to you.

4. How the Services Operate

4.1. Instant Withdrawals

• Customer Instruction: You may request an Instant Withdrawal for an amount up to your current Available Balance as displayed in your SA国际传媒 dashboard at the time of the request.
• Disbursement: Upon your instruction and approval by SA国际传媒, SA国际传媒 will disburse the requested amount, less the applicable SA国际传媒 Fee, to your designated external debit card or bank account using expedited payment rails.
• Nature of Disbursement:
  
  • If the Instant Withdrawal amount is solely from your Settled Balance, the Service provides an expedited method of withdrawal.
  • If the Instant Withdrawal amount includes funds from your Unsettled Balance, that portion is a Conditional Disbursement made in anticipation of the final settlement of the underlying inbound payments contributing to your Unsettled Balance.
• Offset of Conditional Disbursements: When the underlying inbound payments that formed the Unsettled Balance portion of an Instant Withdrawal achieve final settlement and become Settled Balance, this automatically reconciles the Conditional Disbursement. Typically no separate repayment action or consent by you is required for this offset.
• Returned or Reversed Underlying Payments: If an inbound payment that contributed to the Unsettled Balance, and was subsequently part of a Conditional Disbursement via an Instant Withdrawal, is later returned, reversed, or fails to settle for any reason, the amount of that Conditional Disbursement (plus the associated SA国际传媒 Fee if uncollected) will be immediately due and payable to SA国际传媒. This may result in your SA国际传媒 account having a negative balance. Such situations will be handled in accordance with the "Negative Balances, Returns, and Set-Off" section of this Addendum and the relevant provisions in the Master Terms.

4.2. Balance Protection

• Triggering Event: If you have opted-in to Balance Protection, it聽 may be activated if an authorized third-party ACH debit is presented against your SA国际传媒 account and your Settled Balance is insufficient to cover the debit, but your Available Balance (inclusive of Unsettled Balance) is sufficient. Activation is at SA国际传媒's discretion.
• Conditional Credit: To prevent the ACH debit from being returned for insufficient funds (鈥淣SF鈥�), SA国际传媒 may, at its option, provide a Conditional Credit to your SA国际传媒 account in an amount necessary to allow the ACH debit to post successfully and to cover the related SA国际传媒 Fees.
• ACH Debit Posting: The third-party ACH debit will then post against the funds made available by the Conditional Credit and any available Settled Balance.
• Offset of Conditional Credit: When the underlying inbound payments that formed the Unsettled Balance (which supported the decision to provide the Conditional Credit) achieve final settlement and become Settled Balance, this automatically offsets and reverses the Conditional Credit and related SA国际传媒 Fees. Typically, no separate repayment action or consent by you is required for this offset.
• Returned or Reversed Underlying Payments: If an inbound payment that contributed to the Unsettled Balance (and thus supported the Conditional Credit) is later returned, reversed, or fails to settle, the amount of the Conditional Credit (plus the associated SA国际传媒 Fee if uncollected) that relied on such payment will be immediately due and payable to SA国际传媒. This may result in your SA国际传媒 account having a negative balance. Such situations will be handled in accordance with the "Negative Balances, Returns, and Set-Off" section of this Addendum and the relevant provisions in the Master Terms.

5. Fees

• You agree to pay the SA国际传媒 Fees for the Services as specified in Section 1 of this Addendum or as otherwise disclosed to you at the time of the transaction.
• There are no SA国际传媒 Fees for opting-in to the Services. Fees are charged on a per-use basis and are earned by SA国际传媒 immediately upon the provision of the relevant Service (i.e., disbursement for Instant Withdrawals, or provision of credit for Balance Protection).
• Fees are non-refundable, even if an underlying payment that was part of an Unsettled Balance is later returned or reversed.
• SA国际传媒 will deduct the Fee from the amount disbursed (for Instant Withdrawals) or debit your SA国际传媒 account for the Fee amount for Balance Protection.

6. No Loan or Extension of Credit; Business Purpose

• Not a Loan: You acknowledge and agree that the Services, including any Conditional Disbursements or Conditional Credits, are not loans, lines of credit, or other extensions of credit from SA国际传媒 to you. The Services provide expedited access to your Available Balance, which may include Unsettled Balances representing funds already in transit to your SA国际传媒 account from third parties, or a temporary bridge for debits based on such Unsettled Balances.
• No Interest: SA国际传媒 does not charge interest on any amounts related to the Services. The SA国际传媒 Fees are service fees for the provision of early availability and processing.
• Business Purpose: You represent and warrant that you will use the Services solely for legitimate business purposes and not for personal, family, or household purposes.

7. Negative Balances, Returns, and Set-Off

• If your SA国际传媒 account develops a negative balance as a result of using the Services (e.g., due to a returned or reversed underlying payment or otherwise after a Conditional Disbursement or Conditional Credit has been made), you are immediately liable for the full amount of the negative balance, including any unpaid SA国际传媒 Fees.
• The handling of negative balances, returned items, chargebacks, and SA国际传媒's rights of set-off are governed by the applicable sections of the Master Terms (such as those titled "Chargebacks and Reversed Payments," "Overdrawn Accounts," or similar). SA国际传媒 reserves all rights outlined in the Master Terms to recover any amounts owed by you (plus any fees and costs associated with such recovery, including attorneys鈥� fees), including but not limited to debiting linked external accounts, applying future inbound payments to your SA国际传媒 account, or pursuing other collection efforts.

8. Service Availability; Disclaimers and Limitation of Liability

• Availability: SA国际传媒 provides the Services "as is" and "as available." SA国际传媒 does not guarantee that the Services will always be available, uninterrupted, or error-free. Access to the Services may be subject to delays, failures, or interruptions due to various factors, including but not limited to payment network issues, partner bank operations, system maintenance, or force majeure events. SA国际传媒 may suspend your access to the Services while any unpaid liabilities remain outstanding or close your account in its sole discretion.
• Disclaimers and Liability: The disclaimers of warranties and limitations of liability set forth in the Master Terms apply fully to this Addendum and your use of the Services. Without limiting the foregoing, SA国际传媒鈥檚 liability in connection with the Services will be limited to direct damages, capped at the lesser of (i) the amount of the specific Conditional Disbursement or Conditional Credit at issue, or (ii) the SA国际传媒 Fee you paid for the specific transaction giving rise to the liability. SA国际传媒 is not liable for any indirect, consequential, special, punitive, or exemplary damages.

9. Relationship to Master Terms

• This Addendum supplements and is incorporated into the Master Terms. All terms and conditions of the Master Terms not expressly modified by this Addendum remain in full force and effect.
• Capitalized terms used in this Addendum but not defined herein shall have the meanings ascribed to them in the Master Terms.
• In the event of a direct conflict between a provision of this Addendum and a provision of the Master Terms, the provision of this Addendum shall control solely with respect to the Services.
• Provisions in the Master Terms relating to arbitration, governing law, venue, notices, suspension, termination of your SA国际传媒 account, confidentiality, and other general provisions shall apply equally to this Addendum and the Services.

10. Amendments; Termination of Services

• SA国际传媒 may amend this Addendum from time to time by providing notice to you in accordance with the Master Terms. Your continued use of the Services after any such amendment constitutes your acceptance of the amended Addendum.
• SA国际传媒 reserves the right to suspend or terminate your access to one or both of the Services, or to discontinue the Services altogether, at any time in its sole discretion, with or without cause, and with or without notice, except as may be required by applicable law. Any obligations to repay amounts due to SA国际传媒 arising from your use of the Services prior to termination will survive such termination.

By using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Addendum.

If you have questions about the Services or this Addendum, please contact SA国际传媒 at help@trusspayments.com.

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