Terms of service
These Terms of Service (the "Terms") are a legal agreement between you and Fufild, Inc. ("Fufild," "we," "us," or "our"). They govern your access to and use of Fufild's websites, platform, mobile experiences, marketplace, communications, and related services that link to these Terms (collectively, the "Services").
Please read these Terms carefully. By creating an account, clicking to accept, or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
If you use Fufild on behalf of an organization, you represent that you have authority to bind that organization. A separate customer, subscription, or other written agreement between Fufild and an employer or organization controls if it conflicts with these Terms.
1. About Fufild
Fufild provides Care-First People Solutions through an employer-sponsored platform. Employers fund access to approved products and services, and eligible users choose support across Fufild's Care-First categories: Enjoyment, Wellness, Convenience, and Growth.
Fufild may facilitate access through points, virtual cards, marketplace tools, integrations, communications, and service providers. Fufild does not directly provide most marketplace products or services and is not a bank, payment card network, payroll provider, healthcare provider, insurer, fiduciary, or provider of legal, tax, financial, medical, or employment advice.
2. Eligibility
You may use the Services only if:
- you are at least 14 years old;
- you are located in the United States;
- you are eligible under an employer-sponsored Fufild program or are otherwise authorized by Fufild; and
- your use complies with these Terms and applicable law.
If you are under the age of legal majority where you live, you may use the Services only with the permission of a parent or legal guardian and only as permitted by applicable law. Your employer is responsible for determining whether you are lawfully employed and eligible for its Fufild program. Fufild may rely on eligibility and age-related information provided by the employer or its authorized providers.
Fufild does not knowingly provide accounts to children under 14. If your eligibility changes, your access to some or all of the Services may change or end. A marketplace provider may apply additional age, account, or eligibility requirements to its own products and services.
3. Your Account
You must provide accurate, current, and complete information and keep it updated. Your account is personal to you. You may not share credentials, allow another person to use your account, or create an account using false information.
You are responsible for activity that occurs through your account to the extent permitted by law. Notify support@fufild.com promptly if you suspect unauthorized access, loss of credentials, or misuse. Fufild may require identity or eligibility verification and may restrict account access while reviewing a security or eligibility concern.
4. Employer-Sponsored Access
Your employer may provide information to establish eligibility, fund points, configure program rules, and administer its Fufild program. Your employer may change or end its program or your eligibility, subject to its agreements and applicable law. The employment relationship is between you and your employer. Fufild does not make employment, compensation, tax, payroll, or benefits determinations for your employer. The availability or use of Fufild does not create an employment relationship between you and Fufild.
Information that Fufild may provide to an employer is described in the Privacy Policy and applicable program notices.
5. Points and Employer-Funded Support
Fufild points are employer-funded service access units. They are not money, cash, stored value, a bank account, a digital wallet, or a gift card. Points are not a promise to pay cash wages, are not property owned by a user, and cannot be sold, transferred, exchanged, or redeemed for cash.
The employer-funded value of products and services obtained through Fufild is generally treated as a taxable fringe benefit and may be included in your taxable wages for payroll reporting and withholding purposes, as required by applicable law. Your employer is responsible for determining and administering applicable payroll and tax treatment.
Points are subject to monthly support periods, eligibility rules, program limits, and the Points Policy , which is incorporated into these Terms. If these Terms and the Points Policy conflict on the operation of points, the Points Policy controls.
6. Marketplace Products and Services
Fufild may display or facilitate products and services offered by independent providers. Availability, descriptions, prices, scheduling, fulfillment, returns, cancellations, subscriptions, and other conditions may be established by the provider and may change.
After you select a product or service through Fufild, you are directed to the applicable provider's website, application, or checkout experience to complete the transaction. The provider's terms and privacy notice govern your account creation, eligibility, checkout, fulfillment, cancellation, and use of that product or service. Fufild does not control the provider's enrollment or checkout decisions.
Unless Fufild expressly states otherwise, the provider, not Fufild, is responsible for the product or service it supplies, including its quality, legality, safety, availability, and performance.
References to a provider or product do not necessarily mean Fufild endorses or is affiliated with that provider. Trademarks and brand names belong to their respective owners.
7. Virtual Cards and Payment Services
Fufild may use virtual cards or other payment tools issued or supported by third-party financial and payment service providers to facilitate approved transactions. Those tools may be subject to transaction limits, merchant or category restrictions, expiration dates, and provider terms.
A Fufild-enabled virtual card is not a bank account and does not give you a cash balance or ownership interest in employer funds. You may use it only for the approved transaction and purpose. You may not use it for cash, cash equivalents, transfers, ineligible purchases, or any attempt to bypass program controls.
Financial institutions, card issuers, payment processors, card networks, and merchants may decline, reverse, delay, or review a transaction under their own rules or legal obligations. Contact Fufild support if you believe a transaction was processed incorrectly.
8. Communications
Service Communications
You agree that Fufild may send you electronic communications needed to provide and administer the Services, including email, in-product notices, and other communications about your account, eligibility, security, support, points, transactions, and changes to these Terms. You may need to maintain a current email address to use the Services. Fufild may also deliver communications that your employer asks us to distribute to eligible workforce groups based on the employer's program permissions. If an employer-sponsored survey or response feature is made available, the experience may explain what information will be provided to the employer. Information submitted through that feature may be shared with the employer as described when it is collected and in our Privacy Policy.
Text Messages
If you separately consent to receive text messages from Fufild, you agree to receive the categories of messages described when you opt in. Depending on the program, messages may include account activation and authentication notices, security alerts, support responses, benefit availability and point notices, transaction or service updates, requested reminders, and other informational messages about Fufild.
Fufild will send promotional text messages only when you have provided the consent required for those messages. Consent to promotional text messages is not a condition of purchasing or using Fufild.
Messaging frequency varies based on your activity, requests, and program. Message and data rates may apply. Mobile carriers are not liable for delayed or undelivered messages.
You can opt out at any time by replying STOP . After you opt out, Fufild may send one confirmation message. For assistance, reply HELP or contact support@fufild.com . Opting out of text messages does not prevent Fufild from communicating through other channels or from sending a text when permitted by law for an urgent security or safety purpose.
Your mobile carrier and communications service providers may process message data according to their own terms and privacy practices. Fufild's handling of mobile information is described in our Privacy Policy .
Fufild may change or end a messaging program. If we make a material change requiring new consent, we will request it before sending messages covered by that change.
Marketing Communications
You may unsubscribe from marketing emails using the link in the message. Opting out of marketing does not stop non-promotional communications about your account, transactions, security, support, or requested services.
9. License to Use the Services
Subject to these Terms, Fufild grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services for their intended purpose during the period you remain authorized.
Fufild and its licensors retain all rights in the Services, including software, designs, content, databases, trademarks, and other intellectual property, except for rights expressly granted in these Terms.
10. Information and Content You Provide
You retain any rights you have in information or content you provide to Fufild. You give Fufild a non-exclusive, worldwide, royalty-free license to host, store, copy, transmit, display, format, and otherwise use that information as reasonably necessary to provide, secure, support, and improve the Services, fulfill your requests, administer employer programs, comply with law, and exercise our rights under these Terms and the Privacy Policy.
You represent that you have the right to provide the information and grant this license. You must not provide content that is unlawful, fraudulent, infringing, harmful, or violates another person's privacy or rights.
Fufild may create and use aggregated or de-identified information as described in the Privacy Policy. Fufild may also collect and use information about the operation, performance, and use of the Services, subject to applicable law.
If you provide feedback or suggestions, Fufild may use them without restriction or compensation to you.
11. Acceptable Use
You may not, and may not help another person to:
- use the Services for an unlawful, fraudulent, abusive, or unauthorized purpose;
- access another person's account or information without authorization;
- misrepresent your identity, eligibility, employment status, or transaction purpose;
- sell, transfer, exchange, or misuse points, virtual cards, or employer-funded support;
- interfere with, disrupt, damage, or overload the Services or related systems;
- introduce malware, harmful code, or destructive content;
- bypass access, security, transaction, geographic, or program restrictions;
- probe, scan, test, or exploit a vulnerability except through activity expressly authorized in writing by Fufild;
- reverse engineer, decompile, disassemble, or attempt to derive source code except to the limited extent applicable law does not permit that restriction;
- scrape, harvest, or use automated means to access the Services or collect information without Fufild's written permission;
- copy, modify, distribute, sell, lease, sublicense, or create derivative works from the Services except as expressly permitted;
- infringe intellectual property, privacy, publicity, or other rights; or
- use the Services to threaten, harass, discriminate against, or harm another person.
Fufild may investigate suspected violations and may preserve or disclose information when reasonably necessary to comply with law, enforce these Terms, or protect users, customers, Fufild, service providers, or others.
12. Privacy and Security
Our Privacy Policy explains how Fufild handles personal information. Our Trust & Security page describes our public security approach.
Security is a shared responsibility. You are responsible for using reasonable care, protecting credentials and devices, and promptly reporting suspicious activity.
13. Changes to the Services
Fufild may add, change, suspend, or discontinue a feature or portion of the Services. We may also update provider offerings and program rules. When reasonably practicable, we will provide notice of a material change that significantly affects your use of the Services.
Fufild does not guarantee that every feature, provider, product, or service will remain available or that the Services will operate without interruption or error.
14. Suspension and Termination
You may stop using the Services at any time. You may request account closure by contacting support@fufild.com , subject to information we must retain or process for legitimate business or legal purposes.
Fufild may suspend, restrict, or terminate access if:
- you violate these Terms or applicable program rules;
- your eligibility ends;
- an employer's program ends or changes;
- we reasonably suspect fraud, misuse, unauthorized access, or risk to users, customers, providers, Fufild, or others;
- a provider, financial institution, network, or authority requires the action; or
- suspension or termination is reasonably necessary to comply with law or protect the Services.
When access ends, your right to use the Services ends. The treatment of unused points and existing transactions is governed by the Points Policy, applicable program terms, and provider rules.
Provisions that by their nature should continue after termination will survive, including provisions concerning intellectual property, data rights, disclaimers, limits on liability, indemnification, and disputes.
15. Disclaimers
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." FUFILD AND ITS LICENSORS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. FUFILD DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE; THAT DEFECTS WILL ALWAYS BE CORRECTED; OR THAT EVERY PRODUCT, SERVICE, PROVIDER, OR RESULT WILL MEET YOUR NEEDS OR EXPECTATIONS.
Some jurisdictions do not allow certain warranty disclaimers, so some of these disclaimers may not apply to you.
16. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, FUFILD, ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, GOODWILL, OR DATA; OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED THAT SUCH DAMAGES MAY OCCUR.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF FUFILD AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED $500.
These limits do not apply to liability that cannot be limited or excluded under applicable law. Some jurisdictions do not allow certain limitations, so some limits may not apply to you.
17. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Fufild, its affiliates, and their officers, directors, employees, and agents from third-party claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising from your unlawful use of the Services, your material violation of these Terms, or information or content you provide that infringes another person's rights.
Fufild may control the defense of a covered claim, and you agree to reasonably cooperate. You may not settle a claim in a way that admits liability by Fufild or imposes an obligation on Fufild without our written consent.
18. App Stores
If you obtain a Fufild application through Apple App Store or Google Play, the applicable store terms also apply. These Terms are between you and Fufild, not the app-store provider. Fufild, not the app-store provider, is responsible for the application and its content, subject to these Terms.
The app-store provider has no obligation to provide maintenance or support for the application and is not responsible for addressing claims relating to the application, except as required by law. Apple and its subsidiaries are third-party beneficiaries of these Terms for an iOS application and may enforce the applicable provisions against you.
19. Copyright Concerns
If you believe material available through the Services infringes your copyright, send a notice that complies with 17 U.S.C. § 512 to:
Fufild, Inc., Attn: DMCA Agent, 1508 8th Avenue South, Nashville, Tennessee 37203, legal@fufild.com
Your notice should identify the copyrighted work, the allegedly infringing material and its location, your contact information, a statement of good-faith belief, a statement under penalty of perjury that the notice is accurate and you are authorized to act, and your physical or electronic signature.
20. Governing Law and Disputes
These Terms are governed by Tennessee law, without regard to conflict-of-law rules. Unless applicable law requires otherwise, any dispute arising out of or relating to these Terms or the Services must be brought in the state or federal courts located in Davidson County, Tennessee, and you and Fufild consent to their jurisdiction.
To the fullest extent permitted by law, you and Fufild waive the right to a jury trial for a dispute arising out of or relating to these Terms or the Services.
Before filing a claim, we encourage you to contact legal@fufild.com so we can try to resolve the concern.
21. Changes to These Terms
Fufild may update these Terms as the Services, business, or law changes. We will post the revised Terms and update the date below. If a change materially affects your rights and applicable law requires additional notice or consent, we will provide it.
Your continued use of the Services after updated Terms take effect means you accept them. If you do not agree to an update, you must stop using the Services.
22. General Terms
These Terms, the Points Policy, the Privacy Policy, and any additional terms presented for a particular feature form the agreement between you and Fufild concerning the Services. An applicable employer customer agreement may also affect your access.
If a provision is unenforceable, it will be modified only to the extent needed to make it enforceable, and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver. You may not assign these Terms without Fufild's written consent. Fufild may assign these Terms in connection with a reorganization, corporate transaction, or transfer of the Services.
Fufild is not responsible for delay or failure caused by events beyond its reasonable control. Headings are for convenience only.
23. Contact Us
Support: support@fufild.com
Privacy: privacy@fufild.com
Security: security@fufild.com
Legal notices: legal@fufild.com
Fufild, Inc., 1508 8th Avenue South, Nashville, Tennessee 37203
Last Updated: September 1, 2026