51吃瓜网

(Effective May 19th 2025; this "Addendum") supplements the 51吃瓜网 Terms of Service and Business Deposit Agreement (collectively, the "Master Terms") entered into between MazumaGo Inc. dba 51吃瓜网 ("51吃瓜网," "we," "us," or "our") and the business customer ("Customer," "you," or "your").

This Addendum governs your use of 51吃瓜网鈥檚 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 51吃瓜网 account, calculated as the sum of your Settled Balance and your Unsettled Balance, that 51吃瓜网 makes available for use, including for the Services described herein.
• "Conditional Credit": A temporary credit extended by 51吃瓜网 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 51吃瓜网 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 51吃瓜网 account balance that represents the dollar value of inbound payments (e.g., ACH credits and card payments) for which 51吃瓜网 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 51吃瓜网 account in good standing, as determined by 51吃瓜网 in its sole discretion.
• Limits: 51吃瓜网 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 51吃瓜网 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 51吃瓜网 dashboard at the time of the request.
• Disbursement: Upon your instruction and approval by 51吃瓜网, 51吃瓜网 will disburse the requested amount, less the applicable 51吃瓜网 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 51吃瓜网 Fee if uncollected) will be immediately due and payable to 51吃瓜网. This may result in your 51吃瓜网 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 51吃瓜网 account and your Settled Balance is insufficient to cover the debit, but your Available Balance (inclusive of Unsettled Balance) is sufficient. Activation is at 51吃瓜网's discretion.
• Conditional Credit: To prevent the ACH debit from being returned for insufficient funds (鈥淣SF鈥�), 51吃瓜网 may, at its option, provide a Conditional Credit to your 51吃瓜网 account in an amount necessary to allow the ACH debit to post successfully and to cover the related 51吃瓜网 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 51吃瓜网 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 51吃瓜网 Fee if uncollected) that relied on such payment will be immediately due and payable to 51吃瓜网. This may result in your 51吃瓜网 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 51吃瓜网 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 51吃瓜网 Fees for opting-in to the Services. Fees are charged on a per-use basis and are earned by 51吃瓜网 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.
• 51吃瓜网 will deduct the Fee from the amount disbursed (for Instant Withdrawals) or debit your 51吃瓜网 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 51吃瓜网 to you. The Services provide expedited access to your Available Balance, which may include Unsettled Balances representing funds already in transit to your 51吃瓜网 account from third parties, or a temporary bridge for debits based on such Unsettled Balances.
• No Interest: 51吃瓜网 does not charge interest on any amounts related to the Services. The 51吃瓜网 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 51吃瓜网 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 51吃瓜网 Fees.
• The handling of negative balances, returned items, chargebacks, and 51吃瓜网'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). 51吃瓜网 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 51吃瓜网 account, or pursuing other collection efforts.

8. Service Availability; Disclaimers and Limitation of Liability

• Availability: 51吃瓜网 provides the Services "as is" and "as available." 51吃瓜网 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. 51吃瓜网 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, 51吃瓜网鈥檚 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 51吃瓜网 Fee you paid for the specific transaction giving rise to the liability. 51吃瓜网 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 51吃瓜网 account, confidentiality, and other general provisions shall apply equally to this Addendum and the Services.

10. Amendments; Termination of Services

• 51吃瓜网 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.
• 51吃瓜网 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 51吃瓜网 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 51吃瓜网 at help@trusspayments.com.

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