Possible Membership Terms and Conditions ▪︎ Possible Finance

Possible Membership Terms and Conditions

Updated November 13, 2025

NOTICE OF ARBITRATION AGREEMENT

These Terms include an Arbitration Agreement with a Class Action Waiver that affects your legal rights. The Arbitration Agreement is found in Section 7 below. Please read it carefully.

These Possible Membership Terms and Conditions (the “Agreement” or “Terms”) govern your enrollment in the Possible Membership (“Membership”) offered by Possible Financial Inc. (“Possible Finance,” “Possible,” “we,” or “us”). Please read this Agreement carefully before enrolling in the Membership. This Agreement replaces any previous agreement you may have had with Possible related to the Membership. By enrolling in the Membership, you agree to these terms. If you do not agree, do not enroll or use the Membership.

This Agreement expressly incorporates by reference Possible’s Terms of Use and Privacy Policy, both of which form part of the legally binding agreement between you and Possible. Additional agreements, such as electronic payment authorization agreements or other consents you may provide, also govern your relationship with Possible. In the event of a conflict between this Agreement and any other applicable agreement, the terms of this Agreement shall prevail.

We reserve the right to amend or modify this Agreement at any time. Any changes will be effective upon posting the revised Agreement on our website or upon other notice to you as required by law. Your continued access to or use of the Membership after the effective date of any amendments constitutes your acknowledgment and binding acceptance of the updated Agreement.

1. Overview of Membership

  1. Membership allows you to request an advance of your earned but unpaid income ("Earned Income") before it is deposited into your eligible bank account (each request referred to as a "Possible Advance" or “Advance”). Membership benefits may be modified at any time and changes will be communicated in accordance with this Agreement.

  2. As part of your Membership, you may choose to enroll in the Bill and Rent Reporting feature (the “Reporting Feature”). This optional service helps you build credit history by allowing Possible to detect and verify qualifying rent, utility, and telecommunication payments from your linked bank account and, with your consent, report that verified payment information to credit bureaus.

  3. To enroll in a Membership, you must meet the eligibility requirements for an Advance.

2. Membership Fee

  1. Membership is available through a paid monthly subscription fee of $15. This fee is subject to change. You are required to enroll in autopay and you must link a supported bank account that allows our third party partner to access your transaction history (“Bank Account”) to pay the membership fee. We will automatically charge your payment method for the membership fee on your payday closest to 30 days after enrollment and monthly thereafter. Your membership fee due date will be available in your account dashboard. Failure to pay the membership fee may result in suspension or termination of your Membership or benefits.

3. Possible Advance Terms

  1. Eligibility. To request an Advance, you must:

  2. Be enrolled in the Membership and current on all fees

    1. Not be prohibited by law from using Advance
    2. Link a Bank Account and receive recurring income on a predictable basis
    3. Meet eligibility criteria specified by us at the time of the request
    4. Be enrolled in autopay

  3. Advance Limit

Advance amounts are determined by us in our sole discretion and are based on a variety of factors including the transaction history and balance of your Bank Account, your repayment history with Possible, and your Earned Income amount. Possible may refuse to extend an Advance to you if you have previously received an Advance but have not repaid it. Possible may, at any time, decline to extend an Advance to you, if Possible reasonably believes it is necessary for legal or security reasons, or to protect you, Possible, or a third party.

  1. Repayment. Possible will charge your Bank Account for Advance repayment on the dates set forth in the payment schedule in your account dashboard or the date chosen by you when rescheduling your payment date within the App. You may choose to repay your Advance any time before the due date by initiating repayment in the App.

  2. No Obligation to Repay.
    You do not have an obligation to repay any of your Advances, and Possible will have no legal or contractual claim or remedy against you based on your failure to repay any Advance. However, if you do not repay an Advance or if Possible is unable to complete a repayment that you authorized, you will be prevented from obtaining additional Advances until you pay any outstanding Advance amount.

  3. Representations and Warranties. Possible will not engage in any debt collection activities if any Advance is not repaid on the due date, place the amount of an outstanding Advance as a debt with, or sell it to, a third party, or provide any reporting to a consumer reporting agency concerning the amount of any Advance. You further represent that your use of Advance complies with applicable laws and contractual obligations.

4. Bill and Rent Reporting

  1. If you elect to enroll in the Reporting Feature, you authorize us to connect to your designated bank account (via Plaid or similar data access service) to identify qualifying recurring rent, utility, and telecommunication payments (each a “Payment Obligation”). You will continue to make payments directly to your landlord, utility provider, or telco as you always do; we do not act as the payment processor. Subject to your consent and applicable law, we may furnish verified payment history to credit bureaus.

  2. By opting into the Reporting Feature, you give us written instructions under the Fair Credit Reporting Act (FCRA) and other applicable laws, authorizing us to obtain, use, and furnish your Payment Obligation data to credit bureaus. You must provide explicit consent before reporting. You have the right to revoke this consent at any time through the Possible App.

  3. We will only report Payment Obligations that: (i) you are personally obligated to pay; (ii) have not already been furnished by another entity (no duplicate payments); and (iii) if rent, relate to your primary residence and is not associated with an active mortgage that is being reported. We may furnish up to five (5) tradelines per Member: one (1) rent, one (1) telecommunications, and up to three (3) utilities.

  4. We may, in our sole discretion, limit, suspend, or discontinue reporting, or take any other action necessary to comply with applicable law or this Agreement. Possible does not control whether credit bureaus accept the information we provide or how they use, display, or share it, nor how those who access your credit reports rely on it.

  5. If you believe any information we have furnished is inaccurate, you may dispute it by contacting us at support@possiblefinance.com. We will promptly investigate and delete any information we determine to be inaccurate, as required by law.

5. Beta Services Disclaimer

Some features of the Membership, including Possible Advances, may not be generally available to consumers and provided as part of a beta test program to gather user feedback, test features and functionality, and improve the product. These features are offered on an “as-is” and “as-available” basis and may contain defects, errors, or other issues that could impact functionality. By using beta features, you acknowledge and accept these risks. Any feedback you provide becomes the sole property of Possible. Possible reserves the right to modify, suspend, or discontinue any beta features at any time without notice. To the fullest extent permitted by law, Possible disclaims all warranties and liability related to your use of beta features.

6. Cancellation and Termination

  1. Cancellation by You. You may cancel your Membership at any time by accessing your membership settings in your account dashboard and selecting the cancellation option. Your cancellation will be effective at the end of the current billing period. You will be charged for the unpaid membership fee in the month in which you cancel and no further membership fees will be charged thereafter. Cancelling your membership does not affect any debits that you have authorized. When you cancel your membership, you will no longer be eligible to request an advance. You may re-enroll at any time, if eligible.

  2. Termination or Suspension by Possible. Possible may suspend or terminate your Membership at any time for any reason including for nonpayment of membership fees, violating this Agreement, or if we suspect misuse. Your Membership will be terminated if two consecutive monthly Membership fees are charged and you have not shown use of membership. You agree that Possible will not be liable to you or any third party for any damages associated with the termination of your Membership.

7. Dispute Resolution and Agreement to Arbitrate

  1. IMPORTANT NOTICE ABOUT ARBITRATION AND LEGAL RIGHTS.
    THIS SECTION REQUIRES THAT ALL DISPUTES OR CLAIMS COVERED BY THIS ARBITRATION AGREEMENT BE RESOLVED BY BINDING ARBITRATION AND NOT IN COURT. YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. PLEASE READ THIS SECTION CAREFULLY.

  2. Right to Opt Out: You may opt out of this Arbitration Agreement by mailing a written notice to: Possible Finance, PO Box 98686, Las Vegas, NV 89193, within 30 days after the date you first accept this Agreement. Your opt-out notice must include your name, address, account information, a clear statement that you wish to opt out of this Arbitration Agreement. An opt-out notice is effective only if it is personally signed, sent by you on an individual basis, and postmarked within 30 days after you accepted these Terms. If you opt out, this will not affect any other part of the Agreement or your relationship with Possible. An opt-out notice does not affect the validity or enforceability of any past or future applicable arbitration agreements between you and Possible, which will continue to apply according to their terms.

  3. Dispute: In this Arbitration Agreement, “Dispute” has the broadest possible meaning. “Dispute” means any action, dispute, claim, or controversy of any kind arising out of, in connection with or in any way related, even indirectly, to this Agreement, your Membership, a Possible Advance, or any related transaction.

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