Card-program legal documents

Which documents apply

Rain programs have their own customer and provider agreements. The legal entity, card category, issuer, territory, fees and enabled services shown during your actual onboarding determine the documents you must accept. Publication here does not establish an account, issue a card or activate a program. A general merchant payment-acceptance agreement does not replace a cardholder or virtual-account agreement.

Official Rain legal documents

• Rain customer legal agreement directory
• Rain Privacy Policy
• Rain E-Sign and Electronic Communications Notice
• Rain prohibited activities
• Rain corporate card program terms — applicable corporate programs only
• Rain corporate card authorized-user agreement — applicable corporate programs only

Personal cards, virtual accounts and wallets

Use the exact program-specific cardholder, virtual-account or wallet agreement presented in the approved onboarding flow. Corporate-card documents above do not substitute for personal-card terms. Virtual-account and wallet users must separately accept the applicable provider documents before first use. If the required agreement or product disclosures have not been provided, that product cannot be activated. Contact support@rt.app to obtain the applicable documents.

Your program agreement and fees

The applicable Rain end-user agreement is between the named Rain entity and you. RT’s platform agreement addresses RT’s own services. Review the actual issuer, card category, interest or other charges, transaction fees, limits, funding method, dispute process and electronic-communications notice shown before you accept. RT will not treat its supplier pricing as your customer fee schedule. Only disclosed and approved customer fees may be applied, and the technical fee configuration must match those disclosures. Adding a card, wallet, virtual account or payout service requires the documents and permissions applicable to that specific service.

Financial-service disclosures

RT supplies software and is not a bank. Rain and its affiliates are not deposit-taking banks; no Rain or RT balance is represented here as an insured bank deposit. Cards and financial products depend on the actual licensed institution and program disclosed at onboarding. Do not infer an issuer or deposit-insurance entitlement from a brand name, account identifier or payment-network logo. Stablecoins and digital assets are not FDIC-insured deposits. Any separate eligible bank-deposit coverage depends on the specific bank, ownership records, applicable conditions and limits.