Atlas Travel & Technology Group, Inc. and its affiliates (collectively “Atlas” “we,” “us,” or “our”) welcome you. This page explains the terms by which you may use our Financial Products, collectively branded “Roam”, “Roam Reserve” and “Roam Wallet”, and accessed at https://getroam.ai, https://go-roam.io and https://getroam.io (the “Sites”).
By creating an account that will facilitate your use of the Services (an “Account”), or by otherwise manifesting your assent to these Terms of Use, you signify that you have read, understood and agree to be bound by these terms of Use and the Service Schedules for any Service(s) that you have purchased from Atlas (collectively, the “Agreement”).
By applying for any Service provided by our banking service provider(s), you signify that you have read, understood, and agree to be bound by the applicable agreements of the banking service provider(s) for your Account. These may include Atlas Reserve accounts (“Deposit Account,”), and/or charge and debit cards (“Cards,”) provided by one of our financial institution providers (“Banking Provider,”), depending on what Services you use through Atlas (collectively, (“Provider Accounts”).
Atlas reserves the right to make modifications to these terms and will provide notice of these changes by posting an updated version to our legal page. “You” means the legal entity or individual that is applying for or that has opened an Account to use the Services. You may use the Services only if you can form a binding agreement with Atlas. If you are opening the Account on behalf of a company, you represent and warrant that you are an authorized representative of the company with the authority to bind the company to this Agreement (“Administrator,”) and that that company can form a binding contract with Atlas.
Please read this agreement carefully to ensure that you understand each provision. This agreement contains a mandatory individual arbitration and class action/jury trial waiver provision that requires the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions.
Eligibility
This is a contract between you and Atlas. You must read and agree to these terms before using the Services. If you do not agree, you may not use the Services.
You may only apply for an Account, and use the applicable Services under such Account, if you are a United States citizen and are at least 18 years of age (for personal accounts) or a legal entity formed and registered in the United States or in another jurisdiction authorized by Atlas and/or its Banking Providers.
You may only use the Services in compliance with this Agreement and all applicable local, state, national, and international laws, rules, and regulations. Except with respect to access to our Sites and personal accounts, any use of or access to the Services for consumer or non-commercial purposes by anyone who is not your employee, contractor, agent, or other individual permitted to use your Account on your behalf (“User”) is strictly prohibited and in violation of this Agreement.
Creating an Account
Your Account may give you access to certain Services, including Services provided through the Provider Accounts, and any other functionality that we may establish and maintain from time to time and in our sole discretion.
You will need to provide certain company information and/or personal information (collectively, “Customer Information”), when you create an Account. Customer Information may include individual consumer information (for personal accounts), or your registered business name and state of incorporation, the business address, ownership details, the nature of the business, and other business information we may request from time to time; the name, contact information, and date of birth of Administrators, Users or beneficial owners, and other personal information; and a corporate registration certificate, proof of address, personal identification, and any other documentary information used to verify business and personal information.
We provide Customer Information to our Banking Providers and other third-party service providers to determine your eligibility for access to certain Services. We rely on the accuracy of the Customer Information you provide us when opening and maintaining your Account. We may deny your applications, suspend provision of such Services to you, or close your Account if Company Information is out of date, incomplete, or inaccurate. By creating an Account, you represent that you are a legal owner of, and that you are authorized to provide us with, all Customer Information and other information necessary to facilitate your use of the Services.
Account Management and Security.
You must specify at least one Administrator to manage your Account when submitting your application. Administrators can add, remove, or manage additional Administrators and Users; view transactions and run reports; provide or update Customer Information; connect third-party services, and other accounts to your Account; and perform other tasks to manage your Account.
You are responsible for any actions or failure to act on the part of Administrators or Users, or those using their credentials to access your Account. You are solely responsible for the activity that occurs on your Account, and you must keep your Account secure. We encourage you to use “strong” passwords (for recommendations on what constitutes a strong password, check the National Institute of Standards and Technology (NIST)) with your Account. MFA is required; we encourage you to use strong second factors such as security keys.
You must notify Atlas immediately of any breach of security or unauthorized use of your Account. Atlas will not be liable for any losses caused by any unauthorized use of your Account. We may suspend access to your Account if we believe that your Account has been compromised.
Prohibitions
You agree that you will not: (a) use the Account or the Services for any purpose that is unlawful or prohibited by this Agreement; (b) use the Account or the Services for any personal, family, household, or other non-commercial purposes; (c) use the Account or the Services for the benefit, either directly or indirectly, of an individual, organization, or country identified on the United States Office of Foreign Asset Control’s Specially Designated Nationals List or any other U.S. Government list of prohibited or restricted parties, (d) use the Account or the Services for any third parties (e) use the Account or the Services to collect any market research for a competing business, (f) impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity, (g) interfere with or attempt to interrupt the proper operation of the Services through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any Atlas IP, data, files, or passwords related to the Services through hacking, password or data mining, or any other means; (h) decompile, reverse engineer, or disassemble any software or other products or processes accessible through the Services; (i) circumvent, remove, alter, deactivate, degrade, or thwart any of the Content protections in the Services; (j) use any robot, spider, scraper, or other automated means to access the Services for any purpose without our express, written permission; provided, however, we grant the operators of public search engines permission to use spiders to copy materials from the public portions of the Services for the sole purpose of, and solely to the extent necessary for, creating publicly-available searchable indices of the materials, but not caches or archives of such materials; (k) take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure; (l) use the Account or the Services for any inappropriate, improper, discriminatory, illegal, or otherwise harmful purpose or to violate, or encourage the violation of, the rights of others, each as reasonably determined by Atlas; and (m) use the Account or the Services to engage in abusive, harassing, threatening, offensive, or otherwise improper conduct towards Atlas or its employees, agents, service providers, partners, or other customers.
You will retain all rights, title and interest in and to your Customer Information, personal information, and any other information submitted by You through the Services (collectively, “User Content”). By using the service, You grant Atlas the right to aggregate data we collect from your use of the Services (“Site Data”) and use such Site Data for our business purposes. You also acknowledge and agree that by using the Services, User Content and Site Data may be collected, used, transferred and processed for the purposes and as described in the Privacy Policy.
Atlas uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Customer Information and implement your privacy settings. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use User Content for improper purposes. You acknowledge that you provide User Content at your own risk. Your use of the Provider Accounts is subject to the privacy policies of our Banking Providers.
You are solely responsible for maintaining and protecting access credentials used to log into your Financial Account, and you accept full responsibility for all transactions initiated through your Financial Account. If an instruction, including a request for transfer or withdrawal, received by us purports to have been transmitted or authorized by you, we may deem that instruction effective and you will be obligated to fund the associated transaction.
Atlas will not be liable for any losses caused by any unauthorized use of your Financial Account. We or our Partners may, however, delay, limit or reject a transaction in accordance with our respective risk and compliance policies. If you believe your Financial Account has been compromised, or that an unauthorized transaction has otherwise occurred, you must contact us immediately.
Partner Services
You understand and acknowledge that Atlas is not a bank and is not itself insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Share Insurance Fund (“NCUSIF”). Any banking services offered through the Business Account are exclusively provided by our Partners. Any funds you deposit through the Business Account are not held by Atlas.
This section governs your use of Cards provided through Atlas Wallet, our issuing solution.It governs your use of the Card feature of this agreement.
Card Terms
Cards are issued by financial institution partners listed in the table below, (each, an “Issuer”). Use of the Cards is governed by the Agreement, and any applicable Card Terms provided by the Issuer. Your continued use of the Cards constitutes acceptance of updated Card Terms provided by the Issuer.
| Issuer | Location |
| Celtic Bank | United States |
Spending Limits
a) You may not make any Charge that exceeds the spending capacity authorized for your Account, as determined by us or the Issuer based on your financial profile, usage history, and risk assessment.
b) When your Account is opened, a Spending Capacity may be determined by us and/or the Issuer. This capacity may be adjusted periodically based on risk, funding, and usage patterns.
c) For certain Card types, including those with daily settlement or prefunded accounts, you authorize us to deduct cleared transactions from your linked account on a daily basis or as otherwise agreed.
d) Administrators or Atlas may set additional spending controls on a per-Card or per-User basis, including daily or transaction-level restrictions.
Requesting Cards
Administrators may request Cards for Users and are responsible for verifying that each User is authorized to transact. Cards may be issued in physical or virtual form. We reserve the right to deny or revoke a Card.
Using Cards
Cards must be used only for legitimate, business-related purposes. You are responsible for managing access and maintaining internal controls to ensure appropriate use. You are responsible for all Charges, even if the individual using the Card is no longer employed by your company.
Disputed Charges
If you believe a Charge is erroneous or unauthorized, you must notify us within 60 days of the charge posting. Disputes will be investigated in accordance with Card Network rules and, if valid, the Charge will be reversed or credited back.
Lost or Stolen Cards
You must notify us immediately if a Card is lost, stolen, or misused. Administrators may request replacements. You are responsible for updating any stored payment methods with merchants.
Foreign Exchange
International Charges may incur currency conversion fees. Such fees will be disclosed on your periodic statements and may include a margin of up to 3% over the Issuer or Card Network exchange rate.
Our Services may involve fees. You agree to pay all applicable fees as disclosed at the time of service use. We reserve the right to change fees with prior notice. Failure to pay fees may result in suspension or termination of your Account.
Fee Schedule
| Service | Description | Price |
| Roam | ||
| Account Fee | $0 | |
| Additonal Administrators | $0 | |
| Roam Reserve | ||
| Monthly Account Fee | 1st Account: $0/month Additional Accounts: $7/month |
Domestic ACH | Inbound Normal Transfers: $0 Same-Day Transfers: $0.25 Outbound Normal Transfers: $0.50 Same-Day Transfers: $0.75 |
| ACH Returns | $10 | |
| Domestic Wires | Inbound: $0 Outbound: $25 |
|
| Internal Transfer Fee | $1 |
A. You hereby represent, warrant, and covenant that:
i. You own or have the necessary licenses, rights, consents, and permissions to all trademark, trade secret, copyright, or other proprietary, privacy, and publicity rights in and to your User Content and any other works that you incorporate into your User Content, and all the rights necessary to grant the licenses and permissions you grant hereunder; and
ii. Use of User Content in the manners contemplated in this Agreement shall not violate or misappropriate the intellectual property, privacy, publicity, contractual, or other rights of any third party.
B. You agree to defend, indemnify and hold harmless Atlas and its subsidiaries, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers and directors, our Banking Providers, and our third-party service providers, from and against any and all third-party claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising out of, related to, or resulting from:
i. your use of and access to the Services, including any data or content transmitted or received by you;
ii. your violation of any term of this Agreement, including without limitation your breach of any of the representations and warranties above;
iii. your violation of any third-party right, including without limitation any right of privacy or Intellectual Property Rights;
iv. your violation of any applicable law, rule or regulation;
v. your intentional misconduct;
or
vi. any other party’s access and use of the Services with your unique username, password or other appropriate security mechanism.
No Warranty
The Services are provided on an “as is” and “as available” basis. Use of the Services is at your own risk. To the maximum extent permitted by applicable law, the Services are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
No advice or information, whether oral or written, obtained by you from Atlas or through the Services will create any warranty not expressly stated herein. Without limiting the foregoing, Atlas, its subsidiaries, its affiliates, and its licensors do not warrant that the information provided to your through the Services is accurate, reliable or correct; that the Services will meet your requirements; that the Services will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Services are free of viruses or other harmful components. any content downloaded or otherwise obtained through the use of the Services is downloaded at your own risk and you will be solely responsible for any damage to your computer system or mobile device or loss of data that results from such download or your use of the Services.
Atlas does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Services or any hyperlinked website or service, and Atlas will not be a party to or in any way monitor any transaction between you and third-party providers of products or Services.
Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall atlas, its affiliates, agents, directors, employees, suppliers or licensors be liable for any indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data or other intangible losses, arising out of or relating to the use of, or inability to use, the Services. under no circumstances will atlas be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of the Services or your account or the information contained therein.
To the maximum extent permitted by applicable law, atlas assumes no liability or responsibility for any
i. errors, mistakes, or inaccuracies of content;
ii. personal injury or property damage, of any nature whatsoever, resulting from your access to or use of our Services;
iii. any unauthorized access to or use of our secure servers and/or any and all personal information stored therein;
iv. any interruption or cessation of transmission to or from the Services;
v. any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Services by any third party;
vi. any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Services; and/or
vii. user content or the defamatory, offensive, or illegal conduct of any third party. in no event shall atlas, its affiliates, agents, directors, employees, suppliers, or licensors be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in an amount exceeding $1000.00.
This limitation of liability section applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if atlas has been advised of the possibility of such damage. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.
This Agreement is effective when you start using our Services and continues until terminated by either you or us, or in accordance with the Provider Account agreements or as otherwise set forth in this Agreement (the “Term”). You may terminate this Agreement by paying all amounts you owe and providing notice to us; except that you will still be responsible for any charges, fees, fines, and other losses caused by your action or inaction prior to terminating this Agreement. We may terminate this Agreement, or suspend your Account, in Atlas’s discretion or as provided in the Provider Account agreements. We will provide notice of termination or suspension to the extent permitted by applicable law.
This Agreement is effective as of the Last Modified date stated at the top. We may change this Agreement from time to time. Any such changes will be posted on the Sites. By accessing the Services after we make any such changes to this Agreement, you are deemed to have accepted such changes. Please refer back to this Agreement on a regular basis.
Governing Law
This Agreement shall be governed by the internal substantive laws of the State of California, without respect to its conflict of laws principles. This Agreement constitutes a transaction in interstate commerce, and thus any arbitration conducted pursuant to the terms of this Agreement shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16). You agree to submit to the personal jurisdiction of the federal and state courts located in Massachusetts for any actions for which we retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of our copyrights, trademarks, trade secrets, patents, or other intellectual property or proprietary rights, as set forth in the Arbitration provision below, including any provisional relief required to prevent irreparable harm. Subject to Section 10B, you agree that the federal or state courts located in Boston, Massachusetts is the proper forum for any appeals of an arbitration award or for trial court proceedings in the event that the Arbitration provision below is found to be unenforceable.
Arbitration
READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM ATLAS.
For any claim, dispute, or controversy with Atlas (a “Claim”), you agree to first contact us at complaints@atlastravel.com and attempt to resolve the dispute with us informally. In the unlikely event that Atlas has not been able to resolve a dispute it has with you after sixty (60) days, such dispute will be finally and exclusively resolved by binding arbitration governed by the Federal Arbitration Act (“FAA”). Any election to arbitrate, at any time, shall be final and binding on the other party.
NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL CLAIMS COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT RULES AND IF WITHIN SUCH COURT’S JURISDICTION. ARBITRATION IS DIFFERENT FROM COURT, AND DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION.
All disputes will be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be final, except for a limited right of appeal under the FAA. The arbitration shall be commenced and conducted by JAMS pursuant to its then current Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those rules, or, where appropriate, pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. All applicable JAMS’ rules and procedures are available at the JAMS website www.jamsadr.com. Each party will be responsible for paying any JAMS filing, administrative, and arbitrator fees in accordance with JAMS rules. Judgment on the arbitrator’s award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The arbitration may be conducted in person, through the submission of documents, by phone, or online. If conducted in person, the arbitration shall take place in the United States county where you reside. The parties may litigate in court to compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator. The parties shall cooperate in good faith in the voluntary and informal exchange of all non-privileged documents and other information (including electronically stored information) relevant to the Claim immediately after commencement of the arbitration. Nothing in this Section shall be deemed as preventing either party from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of our data security, Intellectual Property Rights or other proprietary rights. Proceedings and information related to them will be maintained as confidential, including the nature and details of the Claim, evidence produced, testimony given, and the outcome of the Claim, unless such information was already in the public domain or was independently obtained. You and Atlas, and all witnesses, advisors, and arbitrators will only share such information as necessary to prepare for or conduct arbitration or other legal proceeding, or enforcement of the outcome, unless additional disclosure is required by law.
Class Action Waiver
You agree that any arbitration or proceeding shall be limited to the Claims between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Claim to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Claim to be brought in a purported representative capacity on behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Assignment
This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Atlas without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.
Notification Procedures and Changes to the Agreement
You consent to us providing notices to you under this Agreement electronically. We may provide notices to you electronically through your Account, or via email, text, or SMS to the email address or phone numbers provided to us by Administrators and Users. If you sign up to receive certain Atlas notifications or information via text or SMS, you may incur additional charges from your wireless provider for these notices. You agree that you are solely responsible for any such charges. You understand that you may not use the Services unless you consent to receive notices from us electronically. You may only withdraw consent to receive notices electronically by closing your Account. Notices may include alerts about the Services, your Account, and your Provider Accounts and may provide Administrators and Users the ability to respond with information about Provider Account transactions or your Account. Administrators and Users may disable certain notification preferences. Administrators and Users are required to maintain a regularly updated web browser, and computer and mobile device operating systems to receive notices correctly. Administrators and Users will be responsible for all costs imposed by internet or mobile service providers for sending or receiving notices electronically. Contact us immediately at help@atlastravel.com if you are having trouble receiving notices from us.
Entire Agreement/Severability
This Agreement, together with any amendments and any additional agreements you may enter into with Atlas in connection with the Services, shall constitute the entire agreement between you and Atlas concerning your Account and the Services. If any provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect, except that in the event of unenforceability of the universal Class Action/Jury Trial Waiver, the entire arbitration agreement shall be unenforceable.
No Waiver
No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term, and Atlas’s failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision.
Legal Orders
We may respond to and comply with any subpoenas, warrants, liens, or any other legal order we receive related to your use of the Services. We are not responsible to you for any losses you incur due to our response to such legal order. We may hold funds or provide information as required by the issuer of the legal order or take any other actions we believe are required of us under legal orders. Where permitted, we will provide you reasonable notice that we have received such an order.
Survival
Account Management, Our Proprietary Rights, Site Data and Privacy, Representations and Warranties; Indemnification, No Warranties, Limitation of Liability, Term and Termination, Governing Law, Arbitration, and Class Action/Jury Trial Waiver, and this Section (General); and any other provisions of this Agreement giving rise to continued obligations of the parties will survive termination of this Agreement.
Electronic Documents and Signatures
Atlas facilitates the completion and/or execution of electronic documents between parties. Nothing in the Agreement may be construed to make Atlas a party to or liable for any electronic documents processed through the Services. Users consent to the use of electronic signatures and understand that this consent has the same legal effect as a physical signature. Atlas is not responsible for determining how long documents and other records are required to be retained or stored and is not responsible for or liable to produce any of Customer’s electronic documents or other documents to any third parties.
At Atlas, we are committed to protecting the privacy and security of our customers’ data. This section provides guidelines for law enforcement and other entities seeking information from Atlas through legal processes such as subpoenas, search warrants, court orders or other valid legal orders.
Legal Obligation & Compliance
Per our Privacy Policy, Atlas will only share a customer’s Personal Data with law enforcement as required by law or subpoena unless explicitly authorized by our customer in writing.
We carefully review each request to ensure it complies with applicable laws and regulations. Atlas reserves the right to challenge or refuse requests that do not meet the necessary legal standards.
Scope of Requests
To assist us in locating and providing the requested information efficiently, we require that all legal requests be specific and clearly identify the relevant customer accounts, transactions, or data. Overly broad or vague requests will not be processed.
Please provide as much detail as possible to help us accurately locate and retrieve the requested information.
Submission of Requests
You can electronically send the file via email to legal@atlastravel.com. Please note that receipt of legal process by email is for convenience and does not waive any objections. If you are required to list an address, you may use 200 Donald Lynch Blvd, Marlborough, MA 01752. Submissions received by mail may result in delays and additional processing time.
Legal requests must be served through the appropriate channels to ensure timely and efficient processing.
Response Time and Procedures
Atlas aims to acknowledge receipt of legal requests promptly. However, depending on the complexity and scope of the request, it may take us 30 days or more to respond substantively.
If your request involves an urgent matter, please clearly indicate this in your submission, and we will prioritize processing accordingly.
Transparency and Communication
Where legally permitted, Atlas will notify affected customers about requests for their data. We may share or transfer Personal Data to third parties as required by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) to enforce our Terms of Use or to protect the security or integrity of our Service; and/or (c) to exercise or protect the rights, property, or personal safety of Atlas, our visitors, or others.
Contact Information
For any questions or additional information regarding legal requests, please contact legal@atlastravel.com.
For any questions about these Terms, contact your Program Manager or email legal@atlastravel.com.