Ready App – Terms of Service
1. Welcome
Argent Labs Limited, doing business as “Ready”, ("Ready", "we", "our", or "us") provides software products through which users can manage digital assets and access supported third-party services ("Ready Products”).
Ready makes available the Ready app (“Ready App”) and these terms of service apply to the use of that Ready App. “Ready Card” means a payment card issued by a third-party issuer that, where available to you and subject to issuer approval, may be linked to your Ready App account and used for transactions, including through Apple Pay or Google Pay (together the “Device Payment Service(s)”). The Ready Card is provided under separate terms and conditions by its issuer, not by Ready. The issuer and its separate terms are referred to below as the “Card Issuer” and “Card Terms”. References to a Ready Card include a co-branded card promoted with a commercial partner (a “Collaboration Partner”). Co-branding does not change the identity of the Card Issuer or make Ready the issuer.
2. Your relationship with us
This document and any documents referred to within it (collectively, the "Terms of Service") set out the terms of your relationship with us. It is important that you read and understand the Terms of Service before using the Ready App.
By using and accessing the Ready App, you agree to these Terms of Service. If you do not agree to these Terms of Service, please do not use the Ready App.
The Ready App is for non-commercial use only; you may use the Ready App only for your own personal use.
3. Information about us
Argent Labs Limited is a company registered in England with its registered address at 5 New Street Square, London, England, EC4A 3TW.
If you would like to contact us, please write to us using the details at the end of these Terms of Service.
4. Information about you
Your privacy is important to us. Please read our Privacy Policy to understand how we collect, use and share information about you.
If you claim or redeem a third-party reward or benefit (a “Partner Perk”), Ready may share information needed for the provider to verify and fulfil it, including an email address, Discord username, WhatsApp number or Twitch ID. Details are in our Privacy Policy and any redemption notice.
5. Important warnings about the Ready App
The Ready App allows you to manage digital assets. As the Ready Products are non-custodial, you manage digital assets through the Ready App at your own risk. Self-custody does not remove payment permissions, security interests or restrictions affecting digital assets committed to Ready Card spending under the Card Terms. See sections 5.23 and 5.24.
Completion of transactions that you initiate through the Ready App depends on the availability and operation of the relevant network you interact with using the Ready App. Issues with the network may cause transactions that you initiate through the Ready App to fail. This may mean that the transaction you were originally intending to perform will no longer be available. Ready is not responsible to you for errors or any losses that you suffer as a result of such issues or failed transactions.
Ready is not authorised to conduct regulated activities by the Financial Conduct Authority in the UK or any other regulator anywhere in the world. The digital assets that you manage through the Ready App are not covered or underwritten by any regulatory guarantees or compensation schemes, such as the Financial Services Compensation Scheme in the UK. Digital assets held through the Ready App are not bank deposits. Ready does not insure or guarantee their value or repayment.
In order to execute transactions you will need to pay fees which are set by the network and can fluctuate (“Network Fees”). Transactions might fail if the Network Fee for that transaction is set too low, and you might still be liable for a proportion of the Network Fee even if your transaction fails.
We will not be responsible to you for any losses that you suffer as a result of any transaction through the Ready App failing.
You agree that a key characteristic of the Ready App is that changes will take place over time and this is an important basis on which we grant you access to the Ready App. Once we have made changes, your continued use of the Ready App will show that you have accepted any changes. You are always free to stop using the Ready App.
Changes to the Ready App may affect your past activities on the Ready Products and certain features that you may use; however this will not affect your rights to the digital assets you manage through your Ready Products. Your rights remain subject to payment obligations, security interests and withdrawal conditions you have agreed, including under the Card Terms. An app change does not release those obligations or restrictions.
While we do our best to make sure that any features that we make available are of a reasonable standard, the new and relatively untested nature of these early access networks and features means that you are more likely to experience problems and unavailability than other parts of the Ready App. As a result, we cannot guarantee that these early access features and networks will always be available and free from errors / defects or operate without issues.
Declining changes or updates to the Ready App may expose the Ready App to increased security risk. You will also not be able to access new or upgraded functionalities that we may offer through the Ready App. Ready shall not be liable to you for any losses you may suffer as a result of failing to complete any updates to the Ready App.
The Ready App may provide access to third-party services, including the Ready Card and Partner Perks. These services are provided by the relevant third-party providers, not Ready. Although we facilitate your access to these services, we are not responsible for them in any way. Your use of those third-party services will not be governed by these Terms of Service or be part of your relationship with Ready. You should make sure that you check the relevant provider's website for the most up to date version of their terms and conditions before you access their services using the Ready App.
Not all wallets or networks support all types of digital assets. You should make sure, before you initiate any transactions through the Ready App, that the digital assets you are sending are compatible with the recipient's wallet. You will not be able to recover any digital assets that you have sent, and we will not be responsible to you for any losses you suffer as a result of any digital assets that you send being incompatible with the recipient's wallet.
Not all networks will support the same digital assets or third-party services. You should check which networks are compatible with the digital assets and third-party services that you wish to use before initiating a transaction.
The digital assets you manage through the Ready App may be at risk if the security of your device on which you install and set up the Ready App is compromised. You should therefore ensure that you keep your device safe and secure in accordance with best practices recommended by the provider of your operating system, such as setting up a "strong" PIN and/or password to prevent unauthorised access and ensuring that you keep your software up to date.
You are responsible for ensuring that your device is secure. Do not use the Ready App on a device that has been "jailbroken", "cracked", "rooted" or otherwise had restrictions in the software removed, as this may compromise the security of your Ready App and your digital assets.
Depending on the type of device you use, you may be able to configure the Ready App to allow you to use your fingerprint and/or face ID.
You must be 18 years or older and capable in your country of residence of entering into a legally binding agreement to use the Ready App.
Where the Ready Card or any related payment functionality is provided by a third-party issuer, payment network, or Device Payment Service, your use of those services will be governed by that third party’s terms and conditions, not these Terms of Service. Ready is not responsible for those services or any losses you may suffer in connection with them. This also applies to independently supplied card-programme management, processing, conversion and funding services. Providing access, co-branding, receiving commercial remuneration or assisting with support does not by itself make Ready the supplier, insurer or guarantor of another provider’s service.
These Terms of Service cover the Ready App’s functionality and, where available, access to independently provided products and services, including the Ready Card and related benefits. Features and services may vary by country and user eligibility.
Additional features, if separately made available to you, are subject to feature-specific terms, eligibility requirements and risk disclosures presented before use. Those terms supplement these Terms of Service and do not override the exclusions and limitations protecting Ready unless Ready expressly agrees in writing to vary an identified provision. Ready is under no obligation to introduce additional features.
Access to the Ready App, individual features and third-party services may be limited or unavailable based on your country of residence or other eligibility criteria. A feature or service described in these Terms is not necessarily offered or available in any particular jurisdiction. You must provide accurate residence and eligibility information, must not circumvent access restrictions and are solely responsible for ensuring that your use of the Ready App and any third-party services is lawful. Nothing shown within the Ready App constitutes financial, legal, or tax advice.
Nothing in these Terms of Service is an undertaking by Ready to issue a card, extend credit, guarantee the Card Issuer’s obligations or meet the liabilities of another programme provider or Collaboration Partner. Any app functionality or assistance Ready makes available in connection with the Ready Card is subject to the exclusions and limitations in these Terms of Service. Communicating a decision, displaying a balance or facilitating a payment does not by itself constitute a guarantee, an assumption of another person’s debt or a promise to reimburse you.
Creating a Ready App account, completing identity checks, receiving a promotion or purchasing a Ready service does not guarantee card approval, a particular spending limit or continued eligibility. You must satisfy and comply with the applicable Card Terms and identity, residence, sanctions and other programme requirements. The Card Issuer and other providers may decline, restrict, suspend or close access to their services. Ready does not guarantee their decisions, processing times, merchant acceptance or continuing support for a particular country, asset, network or feature.
When you enable card spending, payment and security permissions you grant may allow digital assets to be used to settle purchases, fees and other amounts owed under the Card Terms, including automatically and without a fresh approval for each transfer. Assets committed to card obligations may not be available to withdraw or use elsewhere. A request to revoke a permission, remove a linked wallet or stop using the Ready App does not cancel a transaction already authorised, release an existing security interest or discharge an outstanding payment obligation. The scope and effect of those permissions are governed by the applicable authorisations and Card Terms.
The total asset value shown in a wallet may differ from the amount available for card spending or withdrawal because of pending authorisations, unsettled transactions, fees or collateral-value changes. Displayed balances, estimated asset values and exchange rates are not guarantees of immediate availability, execution price or redemption value. Transactions, reversals, refunds and collateral releases depend on the applicable Card Terms and provider processes. Ready does not guarantee that a pending credit, provisional adjustment or estimated reward will become final.
Digital assets can lose value. Their issuers or networks may restrict transfers or redemption, and blockchain congestion, smart-contract defects or provider insolvency may interrupt access or payments. Ready does not guarantee an asset’s reference value, price, liquidity or redemption, or the solvency or performance of an independent provider. Supporting or displaying an asset, network, provider or product does not constitute an endorsement, a recommendation or a guarantee that it is suitable for you. You are responsible for checking compatibility before transferring assets.
A Collaboration Partner and its players, creators, agents and other representatives are not authorised merely by co-branding or promotion to bind Ready, vary these Terms of Service, guarantee eligibility or returns, receive card repayments or obtain your recovery keys or private keys. Do not send them funds, card security credentials or recovery information for that purpose. Only a commitment expressly authorised by Ready can be made on Ready’s behalf. Ready does not guarantee independently supplied partner content, products or experiences.
Ready Rewards are subject to the Ready Rewards Terms and Conditions and applicable offer conditions, including qualifying activity, caps, exclusions, corrections, redemption restrictions and expiry. A promotional example, pending points balance or reference to a future benefit is not a guarantee of entitlement or continuing availability. An independently supplied Collaboration Partner product or experience is provided under that supplier’s terms, not guaranteed by Ready. Participation does not entitle you to future promotions, a particular rate or experience, or continued use of a co-brand.
To redeem a Partner Perk, provide accurate details for an account you control. Your request authorises Ready to share necessary details with the provider, subject to data protection law. Missing or unverifiable details may prevent redemption. Independently supplied perks are subject to the provider’s terms; Ready does not guarantee fulfilment.
6. Important information about recovery
For security reasons, if you initiate the process to recover access to your digital assets, such as when you change or lose the mobile device on which you have downloaded and installed the Ready App, you will not be able to access your digital assets through the Ready App for a minimum period (for example, 48 hours) after you initiated the recovery process. We will not be responsible to you for any losses you might suffer as a result of being unable to access your digital assets during that period.
Do not assume that locking or recovering your wallet also freezes your Ready Card, revokes an existing payment permission or cancels pending transactions. You must use the applicable card-freeze or closure process and promptly report suspected compromise through the card-support route. Recovery does not discharge amounts owed or release collateral commitments. A payment permission exercised before revocation may have effects that wallet recovery cannot reverse.
7. Your right to use the Ready App
The materials and content comprising the Ready App belong to us or our third party licensors, and we give you permission to use these materials and content for the sole purpose of using the Ready App in accordance with these Terms of Service.
Your right to use the Ready App is personal to you and you are not allowed to give this right to another person.
We allow you to download the Ready App for use on your mobile device in accordance with these Terms of Service and we grant you a non-exclusive, personal, non-transferable licence for this purpose only.
Unless allowed by these Terms of Service and as permitted by the functionality of the Ready App, you agree not to:
copy any portion of the Ready App;
give or sell or otherwise make available any portion of the Ready App to anybody else;
change any portion of the Ready App in any way; and
look for or access the code of any portion of the Ready App that we have not expressly published for general use.
You agree that all confidential information, copyright and other intellectual property rights in the Ready App belong to us or the people who have licenced those rights to us.
You agree that you have no rights in or to any portion of the Ready App other than the right to use it in accordance with these Terms of Service.
8. Fees
If you initiate a transaction to be fulfilled through a third-party service made available through the Ready App, we may charge you a fee (the "Ready Fee").
Any Ready Fee will be payable at the time you initiate the relevant transaction. If you decline to pay the Ready Fee, or if you have insufficient digital assets to pay the Ready Fee and the value of the transaction, we will decline to process the transaction.
We may offer certain features or tiers of the Ready App on a subscription basis (“Subscription Plans”). The fees for any Subscription Plan will be clearly specified within the Ready App at the time of purchase, and by subscribing, you agree to pay these fees in the digital asset or currency specified. Each Subscription Plan is provided for a set duration (the “Subscription Period”) disclosed to you during the sign-up process.
Unless otherwise stated, your subscription will automatically renew for successive periods of the same duration as the initial Subscription Period, and you authorize us to charge the applicable fee at the start of each renewal period using the assets available in your Ready App account. You may manage your subscription or disable auto-renewal at any time through the settings in the Ready App. If you disable auto-renewal, you will retain access to the subscription features until the end of your current paid Subscription Period.
Unless required by the law of the country in which you are resident, all fees paid for Subscription Plans are non-refundable. Please note that removing the Ready App from your device does not constitute a cancellation of your subscription or a waiver of auto-renewal.
For the purposes of Section 12, the term “Ready Fees” shall be interpreted to include any fees paid for Subscription Plans. Our total responsibility to you for claims related to a Subscription Plan is limited to the fees you paid for that specific plan in the 12 months preceding the claim. We reserve the right to change the features, pricing, or availability of Subscription Plans at any time, and we will provide you with reasonable notice of any material changes to your active Subscription Plan.
9. App store provisions
You acknowledge that these Terms of Service set out the terms of the agreement between you and us only, and do not apply to your relationship with Apple, Inc, Google Ireland Limited or any other provider of an app store or distribution platform from which you download the Ready App (the "Store Provider").
We, not the Store Provider, will be solely responsible for performance of the Ready App, any content that we make available through the Ready App and any support or maintenance in respect of the Ready App. The Store Provider will have no obligation to provide any maintenance or support services with respect to the Ready App.
We, not the Store Provider, will be solely responsible in the event that the Ready App does not comply with any promises (including any promises made in respect of its functionality, suitability or fitness for purpose). To the maximum extent permitted by law, the Store Provider will not be responsible to you for any claims in relation to the Ready App.
In the event of any claim that the Ready App infringes another person's intellectual property rights, we, not the Store Provider, will be solely responsible for investigating, defending, settling or otherwise dealing with any such intellectual property infringement claim.
You acknowledge that: you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and you are not listed on any U.S. Government list of prohibited or restricted parties.
The Store Provider (and members of its corporate group) are third party beneficiaries under these Terms of Service and have the right to enforce these Terms of Service against you.
Where the Ready App allows you to add or use your Ready Card via Device Payment Services, you acknowledge that Apple Pay is provided by Apple Inc. and Google Pay is provided by Google Ireland Limited. Your use of the Device Payment Services is subject to the applicable provider’s own terms and conditions. Ready is not responsible for Apple Pay or Google Pay, including any technical failures, declined transactions, security issues, data handling, or other matters arising from their operation. Your use of the Device Payment Services is at your own risk, and each provider is solely responsible for any obligations or liabilities arising from its service.
10. Rules of Acceptable Use
In addition to the other requirements within these Terms of Service, this section describes specific rules that apply to your use of the Ready App (the "Rules of Acceptable Use").
When using the Ready App you must not: circumvent, disable or otherwise interfere with any security related features; permit another person to use the Ready App on your behalf unless such person is authorised by you; use the Ready App if we have suspended or banned you from using it; or advocate, promote or engage in any illegal or unlawful conduct, including any criminal activity, fraud or money laundering, breach of sanction, or conduct that causes damage or injury to any person or property. You must also comply with the Card Terms when using the Ready Card. You must not provide false onboarding information, misrepresent your residence, circumvent eligibility, sanctions or spending controls, deliberately exploit an error or arrange artificial, circular or fictitious transactions to obtain an unauthorised payment or reward. Any use by another person must also be permitted by the terms of the relevant service.
We may monitor the activity on the Ready App to ensure that you comply with the Rules of Acceptable Use, including to ensure that the digital assets you manage are not, or are not purchased with, funds obtained illegally.
Failure to comply with Rules of Acceptable Use constitutes a serious breach of these Terms of Service, and may result in our taking all or any of the following actions (with or without notice): immediate, temporary or permanent withdrawal of your right to use the Ready App; issuing of a warning to you; legal action against you including proceedings for reimbursement of all costs (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
The responses described herein are not limited, and we may take any other action we reasonably deem appropriate.
Keep application and contact information accurate and promptly notify changes relevant to eligibility or notices. Protect your device, credentials, recovery information and card details; check account activity and promptly report suspected loss, compromise, unauthorised activity or error. You must provide accurate information and reasonable cooperation requested in connection with an application, transaction, dispute, compliance check or suspected misuse, and retain relevant statements and transaction references.
Without limiting section 10.4 or any other remedy, you must reimburse Ready for losses, liabilities and reasonable costs actually incurred to the extent caused by your fraud, deliberate unlawful use or deliberate material breach of these Terms of Service and legally recoverable from you. This includes reasonable investigation, remediation and third-party claim costs attributable to that conduct.
11. Ending our relationship
If at any time you do not feel that you can agree to these Terms of Service or any changes made to these Terms of Service, you must immediately stop using the Ready App.
You may cease using the Ready App at any time by removing it from the mobile device to which you downloaded it. Removing the app does not by itself close your Ready Card, cancel a Subscription Plan or revoke an existing payment permission. You must follow the relevant closure, cancellation or revocation process.
We may also withdraw the Ready App as long as we give you reasonable notice that we plan to do this.
If you or we end your use of the Ready App or we withdraw the Ready App as described in this section, you will lose any rights you have to use the Ready App. This will not affect your rights in respect of the digital assets that you manage through the Ready App; however, the functionality of the Ready App that facilitates the processing of the transactions you initiate in respect of those digital assets from the Ready App will cease to function. Where supported by the relevant wallet and network, you may be able to access your digital assets by setting up transactions through the Ready App, downloading the transaction data and using that transaction data to process the transaction through a different digital asset wallet service provider using the "Emergency Kit". Any such access or recovery remains subject to technical compatibility, provider availability and existing payment obligations, security interests and withdrawal restrictions. It does not permit you to cancel an authorised card transaction or bypass an existing obligation.
The termination of your use of the Ready App shall not affect any of your obligations to pay any sums due to us. Ready’s accrued rights and the provisions protecting Ready concerning fees, user obligations, exclusions, limitations, recovery of losses, disputes and enforcement survive termination to the extent relevant to your use of the Ready App or Ready Card.
Nothing in this section 11 affects any legal rights you may have under the law of the country in which you are resident.
Without limiting our other rights, we may decline, restrict, suspend or withdraw card-related functionality in response to issuer, network or regulatory requirements; fraud, security or compliance concerns; loss or change of a necessary provider, permission or service; or your breach of these Terms of Service or the Card Terms. We may act without advance notice where required or permitted by applicable law. This is not a promise to detect, prevent or resolve every risk, and does not oblige Ready to procure replacement services.
Closing a Ready Card or ending co-branding does not cancel pending transactions, refunds, disputes or amounts owed, which remain subject to the Card Terms and relevant provider processes. You are responsible for cancelling or updating recurring merchant instructions and following the applicable account-closure process. Ready does not guarantee continuing access to a particular card, network, asset, brand or partner benefit after the relevant programme or collaboration ends.
12. Our liability/responsibility to you
We do our best to ensure that the features and functionalities of the Ready App are of a reasonably satisfactory standard and match any descriptions we have provided to you. However, as we do not own or produce the third party applications, services or networks that you may access through the Ready App, we cannot be responsible for them in any way or promise that the Ready App will always be compatible with such third party services.
We will do our best to ensure that any elements of the Ready App that require a connection to the Internet and other third party infrastructure will always be available to you. However, due to the nature of the Internet, third party infrastructure and technology in general, any such features of the Ready App may be unavailable if we need to undertake any emergency or scheduled maintenance on our systems. This means that we are unable to promise that your use of those features of the Ready App will always be uninterrupted, without delays, error-free or meet your expectations. To the extent we are able to do so, we exclude any commitments that may be implied by law.
We will not be responsible to you for any losses that you might suffer as a result of your use of the Ready App, including any failure or delay related to the locking or unlocking or recovery of your access to your digital assets or approval of any transaction.
We are not responsible for any issues, losses, or disputes arising from your use of Apple Pay, Google Pay, or any other Device Payment Service or network integration, which are operated by third parties outside of Ready’s control.
In the event of claims arising out of the provision of the Ready App, our responsibility to you will never be more than the amount you have paid us in Ready Fees in respect of the transaction which caused the loss. In the event that you have not paid us any Ready Fees in respect of that transaction, we shall have no responsibility whatsoever to you.
The above does not affect your rights under the applicable law of the country in which you are resident, including our responsibility to you for any personal injury or death caused by our negligence, or our fraud.
Without limiting the other exclusions in these Terms of Service, we are not responsible for indirect or consequential loss, loss of profit, revenue, anticipated savings, opportunity, goodwill or business, or business interruption. We are not responsible for loss that was not reasonably foreseeable when the relevant service was agreed.
You must take reasonable steps to avoid or reduce loss when you become aware of a problem. To the extent permitted by law, Ready is not responsible for loss caused or increased by your breach of these Terms of Service, your fraud or deliberate misuse, or your failure to take those steps.
You cannot recover the same loss more than once. Any compensation, refund, insurance payment, chargeback or other amount finally recovered and retained by you for that same loss must be taken into account in assessing any amount recoverable from Ready.
The exclusions and limitations in these Terms of Service apply to card-related functionality and assistance and to claims however framed, including in contract, tort (including negligence), misrepresentation or otherwise, subject to section 12.6. An applicable cap is not multiplied by bringing different claims for the same loss. Card spending, collateral, wallet asset values, Network Fees and amounts payable to independent providers are not Ready Fees merely because they are displayed, collected or transmitted through the Ready App. Nothing in these Terms of Service creates liability for an event that is otherwise excluded.
13. Changes to these terms
We may revise these Terms of Service from time to time but the most current version will always be here.
Changes will usually occur because of new features being added, changes in the law or where we need to clarify our position on something which affects these Terms of Service.
Normally, we will try to give you some warning before the new terms become effective. However, sometimes changes will need to be made immediately and if this happens we will not give you any notice.
14. Documents that apply to our relationship with you
The current version of the Terms of Service contains the only terms and conditions that apply to our relationship with you.
We intend to rely on these Terms of Service as setting out the written terms of our agreement with you for the provision of the Ready App. If part of the Terms of Service cannot be enforced then the remainder of the Terms of Service will still apply to our relationship.
If you do not comply with these Terms of Service and we do not take action immediately, this does not mean we have given up any right we have and we may still take action in the future.
Where you participate in Ready Rewards or a specific offer, the Ready Rewards Terms and Conditions and applicable Ready offer terms supplement these Terms of Service. Unless Ready expressly agrees in writing to vary an identified provision, the exclusions and limitations protecting Ready in these Terms of Service prevail over inconsistent additional Ready terms. A reference to a feature or benefit does not itself override those protections.
The Card Terms govern the services and obligations of the Card Issuer. Ready may rely on any rights, authorisations, exclusions, limitations or other protections expressly conferred on it by the Card Terms without assuming the Card Issuer’s obligations. Referring in another provider’s terms to a Ready user agreement does not, by itself, create an additional guarantee or undertaking by Ready under these Terms of Service.
Except for the Store Provider rights in section 9.6, no person who is not a party to these Terms of Service may enforce them under the Contracts (Rights of Third Parties) Act 1999. Merely referring to the Card Issuer, Rain, a Collaboration Partner or another provider does not grant that person a right to enforce an obligation against Ready. These Terms of Service do not incorporate Ready’s business-to-business agreements into your contract with Ready.
15. Law
English law will apply to all disputes and the interpretation of these Terms of Service. The courts of England and Wales will have non-exclusive jurisdiction over any dispute arising from or related to your use of the Ready App.
This does not affect your rights under the law of the country in which you are resident, including (where applicable) your right to have a dispute in relation to your use of the Ready App heard in the courts of that country. If you are resident in Scotland and Northern Ireland, this also means you can bring a claim in the Scottish or Northern Irish courts.
16. Contact, feedback and complaints
If you need to contact us in relation to these Terms of Service or any other document mentioned in them, please email us at legal@ready.co. For card support, a lost or stolen card or suspected unauthorised use, use help@ready.co or the card-support route in the Ready App. Do not send private keys or recovery keys to Ready, a Collaboration Partner or a creator.
We value hearing from our users, and are always interested in learning about ways we can improve the Ready App. By providing your feedback you agree that you are giving up any rights you have in your feedback so that we may use and allow others to use it without any restriction and without any payment to you.
If you choose to contact us, we will treat any personal data you provide to us in accordance with our privacy policy.
Any assistance, investigation, communication with a provider or forwarding of a dispute by Ready does not by itself admit liability, waive a defence or guarantee approval, a chargeback, reversal, reimbursement or any other outcome. A voluntary goodwill payment or credit does not create a continuing obligation or entitlement in another case. Ready may rely on application, authentication, permission, transaction and communication records as evidence in investigating and responding to claims.