Legal

Marqeta API Terms of Use

Last Updated: 03/20/2018

YOU SHOULD REVIEW THESE MARQETA API TERMS OF USE (“TERMS”) CAREFULLY. YOU ARE NOT REQUIRED TO AGREE TO THE TERMS BUT, IF YOU ACCESS ANY WEBSITE OR APPLICATION PROGRAM INTERFACE (“API”) OF MARQETA, INCLUDING THE MARQETA WEBSITE LOCATED AT https://www.marqeta.com (“SITE”), THE PAYMENTS API OR THE MARQETA API, YOU WILL BE DEEMED TO HAVE ACCEPTED THESE TERMS AND TO HAVE ENTERED INTO A LEGALLY BINDING CONTRACT WITH MARQETA, INC. (“MARQETA”). IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS THE SITE.

1. Modification of these Terms
Marqeta reserves the right, in its sole discretion, to modify any provision contained in these Terms. Any modifications will be effective immediately upon posting of the revisions, and you waive any right you may have to receive specific notice of such modifications. Your continued use of the Site following the posting of modifications will confirm your acceptance of such modifications; accordingly, you should frequently review these Terms. If you do not agree to the amended Terms, you must stop using the Site. Please contact devsupport@marqeta.com if you have any questions regarding the use of the Site.

2. Modifications to the Site
Marqeta reserves the right to modify or discontinue, temporarily or permanently, the Site or any features or portions thereof without prior notice. You agree that Marqeta will not be liable for any modification, suspension or discontinuance of the Site or any portion thereof.

3. Representations and Warranties
You represent and warrant that, if you are using the Site on behalf of any entity, you are authorized to accept these Terms on such entity's behalf and that such entity will be responsible to Marqeta for any violation of these Terms. You also represent and warrant that you are of the legal age of majority in the jurisdiction in which you reside.

4. Privacy Policy
Your use of the Site shall be subject to the Marqeta privacy policy (“Privacy Policy”) available athttps://www.marqeta.com/privacy. You consent to the collection, processing and storage by Marqeta of your personal information from your use of the Site in accordance with the terms of the Privacy Policy. You agree to use the Site and any data obtained from the Site in accordance with Marqeta's privacy policies.

5. Scope of Terms; Relationship of Parties
These Terms apply solely to your access to and use of the Site. These Terms do not alter the terms or conditions of any other agreement you may have with Marqeta. Except to the extent that you and Marqeta enter into a separate written agreement that expressly supersedes these Terms, either in whole or in part, the Terms constitute the whole legal agreement between you and Marqeta and govern your use of the Site. Nothing in these Terms will limit Marqeta’s right to develop, acquire, license, market, promote or distribute products, software or technologies that perform the same or similar functions as or otherwise compete with any other products, software or technologies that you may develop, produce, market or distribute.

6. Proprietary Rights
"Marqeta" and any logos or slogans appearing on the Site are trademarks of Marqeta and its licensors and may not be copied, imitated or used, in whole or in part, without the prior written permission of Marqeta or the applicable trademark holder. Unless otherwise indicated, the Site and all content and other materials on the Site, including, without limitation, all designs, text, graphics, pictures, information, data, software, files and the selection and arrangement thereof (collectively, "Site Materials") are the proprietary property of Marqeta or its licensors and are protected by U.S. and international copyright laws. You may not use the following marks or any other mark owned by Marqeta ("Marqeta Marks"):

as part of the name of your company or any service or product that you provide without the express written consent of Marqeta. You agree not to use or attempt to register any trademark or domain name that includes the word “Marqeta,” or any Marqeta Mark or any name that is confusingly similar to any of them. You may not use any metatags or any other "hidden text" using any Marqeta Mark, or any other name, trademark or product or service name of Marqeta without our prior written permission. All text, graphics, button icons, scripts, page headers, user interfaces, visual interfaces, trademarks, logos and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to Marqeta and is protected by copyright, patent and trademark laws, trade dress and other intellectual property rights and unfair competition laws. No part of the Site and no Content may be copied, reproduced, uploaded, posted, republished, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise without Marqeta’s express prior written consent. References on the Site to any third party products, services, processes or other information does not constitute or imply endorsement, sponsorship or recommendation thereof by Marqeta.

7. Limited License
Expressly subject to these Terms, Marqeta grants you a limited, revocable, royalty-free and non-sublicensable and non-assignable license to access and use the Site and Site Materials solely in order to work with Marqeta products and technology in a test environment; provided that such license does not include: (a) any other use of the Site or Site Materials; (b) the distribution or public display of any Site Materials; (c) modifying or otherwise making any derivative uses of the Site and the Site Materials or any portion thereof; (d) use of any data mining, robots or similar data gathering or extraction methods; (e) downloading (other than page caching) of any portion of the Site or the Site Materials or any information contained therein except as expressly permitted on the Site; or (f) any use of the Site or Site Materials other than for their intended purposes.

Marqeta owns and retains all right, title and interest in and to the Site, its Confidential Information and all intellectual property and proprietary rights therein and thereto; nothing in these Terms will be construed as conferring any license to any of Marqeta’s intellectual property rights, whether by estoppel, implication or otherwise, except as expressly permitted by these Terms. All rights not granted to you herein by Marqeta are expressly reserved.

8. Your Use of the Site; Marqeta’s Rights of Termination
You may not seek to obtain unauthorized access to any portion or feature of the Site, any other systems or networks connected to the Site, any Marqeta server or any of the services offered on or through the Site by password “mining,” hacking or any other illegitimate means. You may not scan, probe or test the vulnerability of the Site or any network connected to the Site nor breach the security or authentication measures on the Site or any network connected to the Site. You may not trace to its source or reverse look-up any information on any other user of or visitor to the Site or any other customer of Marqeta, including any Marqeta account not owned by you, or exploit the Site or any service or information made available or offered by or through the Site in any way where the purpose is to reveal any information, including but not limited to personally identifiable information other than your own information, resident on or accessible via the Site. You may not use any “robot,” “spider,” “deep-link,” “page-scrape,” or other automated program, device, algorithm or methodology or any similar manual process to access, acquire, copy or monitor any portion of the Site or any Content or in any way reproduce or circumvent the navigational structure or presentation of the Site or any Content to attempt to obtain any materials, documents or information through any means not purposely made available through the Site.

You will not (and you may not permit anyone else to: (i) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site, Marqeta’s systems or networks or any systems or networks connected to the Site or to Marqeta (for example, by writing and posting an infinite loop or other implementation that draws a disproportionate share of the capacity of the Site or any shared API); (ii) use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any activity being conducted on the Site; (iii) delete or alter any Site Materials, Content and/or Confidential Information posted on the Site by Marqeta or any other person or entity or otherwise resident on the Site; and/or (iv) publish, post, upload or otherwise transmit any files or computer programming routines intended to damage, detrimentally interfere with or surreptitiously intercept or expropriate any systems, data, personal information, Confidential Information or any other property of Marqeta or any other Site user or visitor or to otherwise compromise the security of the Site. You may not (and you may not permit anyone else to): (a) copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of the Site or any part thereof unless expressly permitted or required by law; (b) attempt to disable or circumvent any security mechanisms used by Marqeta or any applications running on the Site; or (c) use any viruses, worms, Trojan horses or any other harmful code or malware that could affect the Site. Use of the Site to violate, tamper with or circumvent the security of any computer network, software, passwords, encryption codes or technological protection measures or to otherwise engage in any kind of illegal activity or enable others to do so is expressly prohibited.

Any use of the Site or the Site Materials other than as specifically authorized herein without the prior written permission of Marqeta is strictly prohibited and will automatically and immediately terminate the license granted to you herein. Notwithstanding and without limitation of any provision in these Terms, Marqeta reserves the right, without notice and in its sole discretion, to restrict, suspend or terminate your license to use the Site and/or to block or prevent your future access to and use of the Site at any time and for any reason and without any liability.

9. Nondisclosure and Nonuse of Marqeta Confidential Information.
In your use of the Site or in other interactions with Marqeta, you may be given access to certain non-public information, software, specifications or code (collectively, “Confidential Information”), which is confidential and proprietary to Marqeta. Any personally identifiable information that you obtain from use of the Site or otherwise obtain from Marqeta is Confidential Information. You may use Confidential Information only as necessary in exercising such rights as are granted to you in these Terms. Unless otherwise expressly agreed in writing by Marqeta, you agree not to disclose, publish or disseminate any Confidential Information of Marqeta to any third party or to use any such Confidential Information for your own or any third party’s benefit. You may not use, or export any Confidential Information of Marqeta in violation of United States law or the laws of the jurisdiction in which you obtained the information. You further agree to take reasonable precautions to prevent any unauthorized use, disclosure, publication or dissemination of Confidential Information.

You acknowledge that your unauthorized disclosure or use of Marqeta’s Confidential Information could cause irreparable harm and significant injury to Marqeta that may be difficult to ascertain. Accordingly, you agree that Marqeta will have the right to immediate injunctive relief, without the necessity of posting a bond or other security, to enforce your obligations under these Terms in addition to any other rights and remedies it may have. If you are required by law, regulation or pursuant to the valid binding order of a court of competent jurisdiction to disclose any Confidential Information, you may make such disclosure but only if you have notified Marqeta before making such disclosure and have used commercially reasonable efforts to limit the disclosure and to seek confidential, protective treatment of such information.

10. Submissions; Non-Confidential Site
You acknowledge and agree that any questions, comments, suggestions, ideas, plans, notes, drawings, original or creative materials or other information that you provide to Marqeta regarding the Site or any Marqeta products and services (collectively, "Submissions") are non-confidential and shall become the sole property of Marqeta. You agree that (i) your disclosure is gratuitous, unsolicited and without restriction and will not place Marqeta under any fiduciary or other obligation to you or any third party and (ii) Marqeta is free to use the Submission without any additional compensation to you or to disclose the Submission on a non-confidential basis or otherwise to anyone.
Further, you expressly acknowledge and agree that (i) the API Explorer Provides on the Site is a shared multi-tenant sandbox with shared use of all APIs accessible therefrom; (ii) any and all data, code, technical information or any other information or materials that you submit to or post on the Site are non-confidential, non-proprietary and unprotected and are freely available and viewable by any and all Site visitors, including developers, and are not protected or rendered inaccessible by the Site or by Marqeta in any way and (iii) your submission or posting of any data and/or other information or materials to or on the Site is entirely at your own risk and you bear and assume any and all liability for its release, dissemination and use.

11. Disclaimer
EXCEPT AS EXPRESSLY PROVIDED TO THE CONTRARY IN WRITING BY MARQETA, THE SITE AND SITE MATERIALS ARE PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. MARQETA DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT AS TO THE SITE AND SITE MATERIALS. MARQETA DOES NOT REPRESENT OR WARRANT THAT ANY OF THE THE SITE MATERIALS, CONTENT OR ANY OTHER INFORMATION POSTED OR SUBMITTED TO AND/OR RESIDENT ON THE SITE ARE ACCURATE, TRUTHFUL, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. MARQETA CANNOT AND DOES NOT REPRESENT OR WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. MARQETA IS NOT RESPONSIBLE OR LIABLE IN ANY WAY FOR ANY INFORMATION OR MATERIALS THAT YOU SUBMIT OR UPLOAD TO OR PUBLISH OR POST ON THE SITE, ALL OF WHICH ARE PROVIDED BY YOU ON A NON-CONFIDENTIAL AND NON-PROPRIETARY BASIS.

12. Limitation of Liability
TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL MARQETA BE LIABLE TO YOU FOR ANY DIRECT, SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, DATA, BUSINESS OR GOODWILL, ON ANY THEORY OF LIABILITY, WHETHER ARISING UNDER TORT (INCLUDING NEGLIGENCE), CONTRACT OR OTHERWISE, WHETHER OR NOT MARQETA HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF MARQETA, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE THE SITE OR TO THESE TERMS EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO MARQETA FOR ACCESS TO OR USE OF THE SITE.

13. Indemnification
You agree to defend, indemnify and hold harmless Marqeta and its independent contractors, service providers and consultants and Marqeta’s and their respective directors, officers, employees and agents (collectively, the “Indemnified Parties”) from and against any claims, damages, costs, liabilities and expenses (including but not limited to reasonable attorneys' fees) incurred or suffered by an Indemnified Party and arising out of or related to (a) any actual or alleged breach by you of these Terms or any other Marqeta agreement, policy or guideline; (b) any actual or alleged violation of applicable law, rules or regulations of any jurisdiction or of any payment card association, network or company; (c) your wrongful or improper use of the Site; (d) any Submission submitted by you; or (e) your violation of the rights of any third party.

14. Applicable Law and Venue
These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the State of California, without reference to its conflict of law provisions. You agree that any action at law or in equity arising out of or relating to these Terms shall be filed only in the state and federal courts located in Alameda County, California, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of these Terms.

15. Severability
If any provision of these Terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of any remaining provisions.

16. Assignment; Relationship of the Parties
You may not assign any of your rights or obligations under these Terms, whether by operation of law or otherwise, without Marqeta’s prior written consent. These Terms will bind your successors and permitted assigns. There are no third party beneficiaries to these Terms. Nothing in these Terms creates an agency, partnership or joint venture or employment relationship between you and Marqeta.

17. Waiver
No delay or failure to take action under these Terms will constitute a waiver unless expressly waived in a writing signed by a duly authorized representative of Marqeta and no single waiver will constitute a continuing or subsequent waiver.

DIVA API TERMS OF USE

What Information Do You and Marqeta Share?

The big pieces of information you may share: Account Information – name, email address, phone number, and department, which may be available to others using our services and products, if you elect to share said information. Remember, you control access to your information; profile, email address, phone number, and other information and can control sharing that information. Marqeta will not access your information unless there is a reason, including for facilitation of services and products.

Information You Provide

Your Account Information. You may provide your name, email address, and phone number to create an Marqeta account. You confirm you are authorized to provide us such information. You may also add other information to your account, such as a profile name, email address, and status message.

No Liabilities

Marqeta assumes no liability for any results of the portal or product, your implementation or use of information from the portal or product and services, accident, injury, death, loss of data, loss of revenue, other loss, or other claim related to or resulting from the use of this product. In no event shall Marqeta be liable for incidental or consequential damages relating to or resulting from the use of this portal, product, services, or any of its features or parts.

Warranty Disclaimer

Marqeta does not warrant nor represent that we have a special relationship with or fiduciary duty to you. You acknowledge that Marqeta has no control over, and no duty to take any action regarding: which users gain access to the services or products; what content is accessed via the services or products; what effects the content may have on you; how you may interpret or use the content; or what actions you may take as a result of having been exposed to the content. You release Marqeta from all liability for you having acquired or not acquired content through the services and products. Marqeta does not warrant nor represent, nor shall we be liable or responsible for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the products and services.
EXCEPT AS EXPRESSLY SET FORTH IN THE TERMS OF SERVICE, POLICIES, THE SERVICES, CONTENT, WEBSITE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE, SERVICES, PRODUCTS, AND ANY SOFTWARE ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

MARQETA DOES NOT, UNDER THIS WARRANTY, ASSUME ANY LIABILITY FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, EVEN IF MARQETA HAS BEEN ADVISED AS TO THE POSSIBILITY OF SUCH DAMAGES, FOR ANY CLAIM ARISING FROM OR RELATED TO THIS WARRANTY STATEMENT, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT PRODUCT LIABILITY OR ANY OTHER CAUSE OF ACTION OR LEGAL OR EQUITABLE THEORY, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS OR REVENUES, GOODWILL, DOWNTIME, LOSS OF DATA, LOSS OF USE OF THE PRODUCT OR ANY ASSOCIATED EQUIPMENT, COST OF ANY REPLACEMENT GOODS OR SUBSTITUTE EQUIPMENT, ANY COSTS OF RECOVERING, REPROGRAMMING, OR REPRODUCING ANY PROGRAM OR DATA STORED IN OR USED WITH Marqeta PRODUCTS, AND ANY FAILURE TO MAINTAIN THE CONFIDENTIALITY OF DATA STORED ON THE PRODUCT, OR LOSS OF USE DURING THE PERIOD THAT THE PRODUCT IS BEING REPLACED OR REPAIRED. DAMAGE TO OR REPLACEMENT OF EQUIPMENT AND PROPERTY. MARQETA SPECIFICALLY DOES NOT REPRESENT THAT IT WILL BE ABLE TO REPAIR ANY PRODUCT UNDER THIS WARRANTY OR MAKE A PRODUCT EXCHANGE WITHOUT RISK TO OR LOSS OF PROGRAMS OR DATA.

IN NO EVENT SHALL MARQETA’S LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THIS WARRANTY STATEMENT EXCEED THE PRICE PAID BY YOU FOR PURCHASE OF THE PRODUCT AND/OR SERVICES, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT PRODUCT LIABILITY OR ANY OTHER CAUSE OF ACTION OR LEGAL OR EQUITABLE THEORY.

Marqeta’s License Rights; License to You 

Marqeta owns all data and information, including personal data, including information directly or indirectly, alone or in combination with other information, to identify an individual, related to each cardholder, you or your authorized cardholders, (collectively, “Cardholder Data”) that is collected by Marqeta solely in connection with obtaining cards. Marqeta owns all copyrights, trademarks, domains, logos, trade dress, trade secrets, and patents generated through your use of the product and/or services and associated analysis, and other intellectual property rights associated with our services. Marqeta grants you a limited, revocable, non-exclusive, non-sublicensable, and non-transferable license to use our products and services, subject to and in accordance with our terms and any applicable policies, including privacy policies. This license is for the sole purpose of enabling use of our products and services solely in the manner permitted by our terms and any applicable policies.

All Cardholder Data collected directly from cardholders by you other than in connection with obtaining cards shall be owned solely by you. Collectively, we are free to use, modify and reproduce the Cardholder Data without the consent of, or any accounting to, the other party, subject in all cases to all applicable law. We may create derivative works of Cardholder Data it owns to create aggregate statistical and database compilations, such as information concerning Cardholder demographics, site traffic, viewing and navigation patterns, and similar data (“Derived Data”). Each item of Derived Data is owned by the party that creates it and may be used and disclosed without restriction by the ownerNotwithstanding the foregoing, to the extent permissible by Applicable Law and as authorized by an appropriate consumer or Cardholder “opt-in” notice permitting Issuing Bank to provide Client with Cardholder Data (other than Card Data) and Transaction Data related to transactions from the use of Cards, Marqeta will make all such Cardholder Data owned by Issuing Bank and such Transaction Data available to Client. You may use such Cardholder Data and Transaction Data as permitted by applicable law, Issuing Bank’s privacy policy then in effect, the opt-in notice, and cardholder’s right to rescind the permissions provided in such notice.  

Marqeta License Restrictions

You may not use our copyrights, trademarks, domains, logos, trade dress, patents, data generated through your use of the products and services and associated analysis, and other intellectual property rights unless you have our express permission. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights expressly granted to you in this provision. You shall not and will not transfer any of your rights or obligations under our terms and any applicable policies to anyone else without our prior written consent. Such transfer without the prior written consent of Marqeta shall be deemed invalid, null and void. We reserve all rights not expressly granted by us to you. In certain jurisdictions, you may have legal rights as a consumer, and our terms are not intended to limit such consumer legal rights that may not be waived by contract.

Your License to Marqeta

As necessary for Marqeta to provide Services, you grant Marqeta a worldwide, non-exclusive, royalty-free, fully paid up, irrevocable, worldwide, perpetual license, sublicensable, and transferable license to use, make, have made, execute, reproduce, modify, adapt, display, perform, distribute, make derivative works of, import, export, and, make, have made, use, execute, reproduce, modify, adapt, display, perform, distribute, make derivative works of, import, and export, your information in connection with the Services and to permit others to do any of the foregoing. The rights you grant in this license are for the limited purpose of operating and providing our Services (such as to allow us to display your profile picture and status message, transmit your messages, store your undelivered messages on our servers for up to 30 days as we try to deliver them, and otherwise as described in our applicable policies). You also grant Marqeta the right to sell or offer for sale your information and data derived thereof submitted through our products and services, excluding your video content, which always remains yours.

Our Terms and Policies. You must use our products and services according to our terms and posted policies. If we disable your account for a violation of our terms, you agree not to create another account without our permission.

Legal and Acceptable Use. You must access and use our products and services only for legal, authorized, and acceptable purposes. You will not use (or assist others in using) our products and services in ways that: (a) violate, misappropriate, or infringe the rights of Marqeta, our users, partners, third-party providers, or others, including privacy, publicity, intellectual property, or other proprietary rights; (b) are illegal, obscene, defamatory, threatening, intimidating, harassing, hateful, offensive, or instigate or encourage conduct that would be illegal, or otherwise inappropriate; (c) involve false information or data, misrepresentations, or misleading statements; (d) involve sending illegal or impermissible communications such as bulk messaging, auto-messaging, auto-dialing, and the like; or (f) involve any commercial/for profit of our products and services unless otherwise authorized by us.

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