Effective Date: July 11, 2026 | Last Updated: July 11, 2026
THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT, A CLASS-ACTION WAIVER, AND A JURY-TRIAL WAIVER IN SECTION 24. EXCEPT FOR CERTAIN DISPUTES DESCRIBED THERE, YOU AND WILLPORT AGREE TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS AFTER FIRST ACCEPTING THESE TERMS BY FOLLOWING SECTION 24.
These Terms of Use ("Terms") are a binding agreement between you and WILLPORT Holdings, Inc., a company based in Nevada ("WILLPORT," "we," "us," or "our"). They govern your access to and use of willport.com, the WILLPORT mobile application, and all services that link to these Terms (collectively, the "Services").
By clicking an acceptance button, creating an account, completing a transaction, or otherwise using the Services, you agree to these Terms and acknowledge the WILLPORT Privacy Policy. If you do not agree, do not use the Services.
Additional terms, disclosures, consents, fee schedules, refund policies, third-party terms, or product agreements may apply to a particular feature or transaction ("Supplemental Terms"). Supplemental Terms become part of your agreement when you accept or use the applicable feature. If Supplemental Terms conflict with these Terms, the Supplemental Terms control for that feature or transaction.
You must be at least 18 years old and legally capable of entering a binding contract to create an account or use transactional Services. Dwolla-enabled personal customer accounts require that the customer be at least 18 and a legal resident of the United States. A business representative must have authority to bind the business.
The Services are not available to a person barred from using them under applicable law, sanctions, or these Terms. Certain Services may have additional eligibility, residence, identity-verification, accreditation, or institutional requirements.
You may browse public website content without creating an account. Public content is not intended for children under 13.
You agree to provide accurate, current, and complete information; keep it updated; protect your credentials and devices; and promptly notify us at service@willport.com of suspected unauthorized activity. You may not impersonate another person, create an account for someone without authority, transfer an account, or allow another person to use your credentials.
You are responsible for activity performed through your account to the extent permitted by law. We may require identity verification, step-up authentication, passkeys, a personal identification number, or other security measures. We may refuse, restrict, freeze, suspend, or terminate access when reasonably necessary to protect users, comply with law or partner requirements, investigate fraud, address a security risk, or enforce these Terms. Any action affecting funds remains subject to applicable law and applicable financial-partner terms.
The Services may include social and family-network features, calendars, messaging, gifting, merchant offers, electronic gift cards, flowers, experiences, AI-assisted greeting cards, domestic or international money movement, and products or features described as coming soon, beta, or pilot.
WILLPORT may provide technology, communications, customer support, and transaction instructions, while independent third parties provide financial accounts, funds movement, card processing, bank linking, identity verification, merchandise, fulfillment, investment, trust, legal, tax, notarial, custodial, fiduciary, or other services. The identity and role of a provider may be disclosed at the point of use.
We may add, change, limit, suspend, or discontinue a feature. Where required, we will provide notice. We do not guarantee that every feature, merchant, product, destination, delivery date, or provider will always be available.
Prices, fees, delivery charges, exchange rates, and taxes will be disclosed at checkout or in applicable Supplemental Terms. You authorize WILLPORT and its payment providers to charge your selected payment method for the total amount shown and for later charges you separately authorize, including scheduled or recurring transactions.
You are responsible for reviewing transaction details before authorizing payment. A transaction may be rejected, delayed, reversed, or canceled because of availability, pricing error, fraud or sanctions screening, provider requirements, insufficient funds, invalid information, legal obligations, or other legitimate reasons.
You are responsible for taxes that apply to your transaction, except taxes imposed on WILLPORT's net income. Your bank, card issuer, or other provider may impose separate fees.
If you schedule a future or recurring payment, gift, or transfer, you authorize the applicable charge or debit according to the schedule and disclosures presented to you. You must cancel or modify the instruction by the deadline shown in the applicable flow. A cancellation request may be ineffective after fulfillment or funds movement has begun.
For a preauthorized electronic fund transfer from a consumer account, applicable disclosures, cancellation rights, stop-payment rights, and error-resolution protections are governed by law and the financial institution's terms. Nothing in these Terms waives a nonwaivable right under the Electronic Fund Transfer Act, Regulation E, or other consumer-protection law.
To use payment functionality powered by Dwolla, you must open a "Dwolla Platform" account provided by Dwolla, Inc. and accept the Dwolla Account Terms of Service and Dwolla Privacy Policy. Any funds held in or transferred through a Dwolla account are held or transferred by Dwolla's financial institution partners as described in the Dwolla terms.
You authorize WILLPORT to collect and share with Dwolla personal information required for the service, which may include full name, date of birth, Social Security number, physical address, email address, and financial information. You are responsible for the accuracy and completeness of that information.
You will access and manage your Dwolla account through the WILLPORT application. WILLPORT will provide required account and payment-activity notifications and customer support for Dwolla-enabled activity unless a disclosure presented to you states otherwise. Contact service@willport.com for support or to report suspected fraud.
For a receive-only account, you authorize Dwolla, as WILLPORT's service provider, to originate credit transfers to the financial account you designate, subject to the authorization and disclosures presented to you.
Your use of Dwolla open-banking services may also be subject to the Dwolla Open Banking Services End User Terms.
WILLPORT may use Plaid Inc. or another open-banking provider to connect a financial account. By using a bank-linking service, you authorize WILLPORT and the provider to access and transmit information from the financial institution you select as described in the authorization flow. Your use is subject to the provider's applicable terms and privacy notice, including the Plaid End User Privacy Policy.
You represent that you are an owner or authorized user of each linked account. Do not link an account you are not authorized to access.
Transfer availability, limits, timing, fees, exchange rates, supported countries, cancellation rights, and error-resolution procedures are displayed in the applicable flow or Supplemental Terms. Estimates are not guarantees unless applicable law provides otherwise.
International transfers may be provided by a licensed third-party remittance provider. Before payment, review the provider identity, recipient amount, exchange rate, fees, delivery estimate, cancellation rights, and error-resolution notice presented to you. The provider's terms and applicable federal and state law govern the remittance service.
WILLPORT may delay, block, reverse, or refuse a transfer when required or permitted for fraud prevention, sanctions screening, identity verification, legal compliance, provider requirements, or protection of users. We may request additional information. Do not use money-transfer features for prohibited goods, unlawful activity, cash advances, gambling where unlawful, deceptive transactions, or on behalf of an undisclosed third party.
Merchants and fulfillment providers, not WILLPORT, may be the seller, issuer, manufacturer, carrier, or service provider for a product. Product descriptions, availability, restrictions, expiration, delivery, redemption, refunds, and warranties may be governed by provider terms disclosed before purchase.
You are responsible for accurate recipient and delivery information. Delivery dates and times may be estimates. Physical products may be substituted, delayed, or unavailable. Electronic gift cards may be subject to issuer restrictions and generally cannot be returned after issuance or delivery except as required by law or stated in the applicable policy.
WILLPORT does not waive consumer rights that cannot lawfully be waived. If a product is defective, not delivered, or materially different from its description, contact service@willport.com promptly with the order number and relevant details.
The cancellation and refund policy presented at checkout or linked to the applicable product controls. If no product-specific policy is presented, contact support before fulfillment begins; we will determine availability of cancellation or refund based on transaction status, provider rules, and applicable law.
Unless a separate written agreement expressly states otherwise:
WILLPORT does not guarantee investment performance, tax treatment, probate avoidance, asset protection, eligibility for benefits, validity of a trust or estate plan, or any particular legal or financial outcome.
WILLPORT's AI Greeting Cards feature uses the OpenAI application programming interface to generate images. When you select Generate, you direct and authorize WILLPORT to transmit your prompt and, if supported and submitted by you, any reference image or other input to OpenAI OpCo, LLC and its subprocessors (collectively, "OpenAI"). OpenAI may process that input and the resulting output to provide and secure the API service, apply safety controls, enforce its policies, prevent abuse, and comply with law. Additional information is provided in the WILLPORT Privacy Policy.
Your use of AI Greeting Cards must comply with these Terms, applicable law, and the OpenAI Usage Policies. A request may be blocked, modified, or refused by WILLPORT or OpenAI safety systems. You may not attempt to bypass safeguards or use the feature to create unlawful, infringing, deceptive, abusive, exploitative, or harmful content.
AI-assisted features may generate images, text, suggestions, or other output based on your input. Output may be inaccurate, incomplete, offensive, non-unique, or subject to third-party rights. You must review output before using or sharing it and are responsible for ensuring that your input and use of output are lawful and appropriate.
Do not submit confidential, regulated, or sensitive information to an AI feature unless the feature expressly requests it through a secure flow. AI output is not legal, tax, investment, financial, medical, or other professional advice.
You retain any rights you have in your input. As between you and WILLPORT, and to the extent permitted by law, you may use output generated for you, subject to these Terms and third-party rights. WILLPORT does not represent that output is copyrightable, exclusive, or free from infringement.
You represent that you have all rights, licenses, permissions, and legally required consents for content submitted to the AI feature, including any person's name, likeness, photograph, voice, or other personal information. Do not use the feature to impersonate another person or falsely suggest that a generated image is authentic, human-created, sponsored, or endorsed.
"User Content" means content you submit, upload, create, send, or make available through the Services, including messages, recordings, photographs, videos, reviews, prompts, and greeting cards.
You retain ownership of your User Content. You grant WILLPORT a nonexclusive, worldwide, royalty-free license to host, store, reproduce, transmit, display, adapt, and otherwise use User Content only as reasonably necessary to operate, secure, improve, and provide the Services; comply with your instructions; and meet legal obligations. This license ends when the User Content is deleted from active systems, except for reasonable backup, legal, safety, and recordkeeping needs and content already shared with others.
You represent that you have the rights and permissions needed for your User Content and that it does not violate law or another person's rights. Do not upload content that is unlawful, infringing, fraudulent, threatening, harassing, exploitative, sexually explicit, invasive of privacy, or malicious.
Nothing in these Terms prohibits or penalizes an honest consumer review. WILLPORT may remove content that contains confidential information, violates law or rights, is abusive or obscene, is unrelated to the Services, or is clearly false or misleading, as permitted by law.
You may not:
We may investigate violations and cooperate with law enforcement or regulators as permitted or required by law.
You consent to receive agreements, notices, disclosures, transaction records, and other communications electronically, including by email, in-app notice, push notification, or website posting, subject to applicable law. You may request a paper copy where required. Keep your contact information current.
Marketing email and SMS consent is optional and is not a condition of purchasing Services unless expressly permitted by law. Message frequency varies; message and data rates may apply. Reply STOP to stop marketing texts and HELP for help. We may continue to send nonmarketing security, account, transaction, or legal messages as permitted by law.
Our collection and use of personal information are described in the WILLPORT Privacy Policy. Third-party services have separate privacy policies.
The Services, software, designs, text, graphics, logos, trademarks, and other WILLPORT content are owned by WILLPORT or its licensors and protected by law. Subject to these Terms, WILLPORT grants you a limited, personal, revocable, nonexclusive, nontransferable license to use the Services for their intended purpose.
No license is granted to WILLPORT trademarks, branding, APIs, source code, or content except as expressly stated. Feedback you voluntarily provide may be used by WILLPORT without restriction or compensation, but this does not transfer ownership of your User Content or consumer reviews.
Third-party products, services, websites, SDKs, and integrations are governed by the third party's terms. WILLPORT is not responsible for a third party's content, acts, omissions, security, availability, or performance, except to the extent responsibility cannot lawfully be excluded. A link or integration does not imply endorsement.
You may stop using the Services and request account closure through available account settings or by contacting service@willport.com. Closure may be delayed until pending transactions, disputes, balances, legal holds, or required recordkeeping are resolved.
We may restrict, suspend, or terminate access if we reasonably believe you violated these Terms; pose fraud, security, legal, or reputational risk; are ineligible; have an inactive account subject to partner requirements; or if a provider or authority requires action. When appropriate and lawful, we will provide notice and a reasonable opportunity to address the issue.
Sections that by their nature should survive termination will survive, including payment obligations, ownership, disclaimers, limits of liability, indemnity, dispute resolution, and general terms.
The Services may be unavailable because of maintenance, outages, provider failures, emergencies, security incidents, or events outside our reasonable control. We do not guarantee uninterrupted or error-free operation. We will use commercially reasonable efforts to restore affected Services, but transaction timing remains subject to provider networks and applicable disclosures.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." WILLPORT AND ITS LICENSORS AND SERVICE PROVIDERS DISCLAIM EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE.
WILLPORT DOES NOT WARRANT THAT THE SERVICES WILL BE ACCURATE, COMPLETE, SECURE, UNINTERRUPTED, ERROR-FREE, OR SUITABLE FOR YOUR NEEDS; THAT DEFECTS WILL BE CORRECTED; OR THAT A PRODUCT, PROVIDER, RECIPIENT, USER, OR PROFESSIONAL IS RELIABLE OR QUALIFIED.
THESE DISCLAIMERS DO NOT APPLY TO WARRANTIES OR RIGHTS THAT CANNOT LAWFULLY BE DISCLAIMED.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WILLPORT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR USE, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF WILLPORT FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID DIRECTLY TO WILLPORT FOR THE AFFECTED SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) $100.
THE LIMITATIONS DO NOT APPLY TO WILLPORT'S FRAUD OR WILLFUL MISCONDUCT; LIABILITY FOR DEATH OR PERSONAL INJURY TO THE EXTENT CAUSED BY WILLPORT AND NOT LAWFULLY LIMITABLE; OR ANY LIABILITY, REMEDY, OR STATUTORY RIGHT THAT CANNOT BE WAIVED OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME MAY NOT APPLY TO YOU.
Financial institutions, payment providers, merchants, and other third parties may have separate liability under their agreements and applicable law. Nothing here limits a nonwaivable right under Regulation E or another consumer-protection law.
To the maximum extent permitted by law, you will indemnify and hold harmless WILLPORT and its officers, directors, employees, and affiliates from third-party claims, damages, losses, liabilities, and reasonable costs arising from your unlawful conduct, your material breach of these Terms, or User Content that infringes another person's rights. This obligation does not apply to the extent a claim results from WILLPORT's own negligence, unlawful conduct, or breach, or where indemnification is prohibited by law. WILLPORT may control the defense, and you will reasonably cooperate. We will not settle a claim imposing a nonmonetary obligation on you without your consent.
Please read this section carefully.
Before filing arbitration or a lawsuit, the claimant must send an individualized written Notice of Dispute describing the claimant's name and contact information, account information, facts, legal basis, requested relief, and personally signed authorization. Send notices to:
WILLPORT Holdings, Inc.
Attn: Legal — Notice of Dispute
1645 Village Center Circle, Suite 200
Las Vegas, Nevada 89134
Email copy: service@willport.com
WILLPORT will send its notice to your account email and last known postal address. The parties will attempt in good faith to resolve the dispute for 60 days after receipt. Limitation periods are tolled during this period where permitted by law.
Except for excluded disputes below, you and WILLPORT agree that any dispute, claim, or controversy arising out of or relating to the Services, these Terms, a transaction, marketing, communications, privacy, or the relationship between you and WILLPORT will be resolved by final and binding individual arbitration, not in court.
The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. The arbitrator has exclusive authority to resolve disputes about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court will decide disputes concerning the class-action waiver, public-injunctive-relief provision, or compliance with the informal notice requirement.
Arbitration will be administered by the American Arbitration Association ("AAA") under the AAA Consumer Arbitration Rules in effect when the claim is filed, including applicable Mass Arbitration Supplementary Rules. The rules are available at adr.org or 1-800-778-7879.
If AAA is unavailable or declines to administer the arbitration and the parties cannot agree on a substitute, a court with jurisdiction will select an administrator consistent with this section. An arbitration will be conducted by telephone, video conference, written submissions, or in the county where you live, unless the parties agree otherwise.
Fees will be allocated under AAA rules and applicable law. WILLPORT will pay amounts it is required to pay under those rules. The arbitrator may shift fees or award sanctions only as permitted by applicable law and the rules for a claim found frivolous or brought for an improper purpose.
Either party may bring an individual action in small-claims court if it remains within that court's jurisdiction. Either party may seek temporary or preliminary court relief necessary to prevent imminent unauthorized access, misuse, or infringement of intellectual-property rights while arbitration is pending. Government agencies may enforce rights and remedies within their authority.
YOU AND WILLPORT AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY AWARD RELIEF ONLY TO THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO RESOLVE THAT PARTY'S INDIVIDUAL CLAIM.
If applicable law prohibits arbitration of a request for public injunctive relief, that request will be severed and decided by a court after individual claims and remedies are arbitrated. If a final court decision holds the class-action waiver unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court and the remainder will be arbitrated.
For any dispute that proceeds in court, YOU AND WILLPORT WAIVE A JURY TRIAL to the fullest extent permitted by law.
You may opt out of this arbitration agreement by sending a personally signed notice within 30 days after you first accept these Terms. The notice must include your full name, account email and telephone number, mailing address, and a clear statement that you opt out of the arbitration agreement in the WILLPORT Terms of Use. Send it to the postal and email addresses in Section 24.A with the subject "Arbitration Opt-Out." Opting out will not affect other Terms or your access to the Services. An opt-out applies only to the person identified and is not effective for a purported group or class.
If WILLPORT makes a material change to this arbitration section after your latest acceptance, you may reject that change by sending a personally signed notice within 30 days after notice of the change. Rejection means the version in effect immediately before the change will govern, unless you and WILLPORT agree otherwise.
The laws of the State of Nevada govern these Terms, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 24. Mandatory consumer protections of your home jurisdiction continue to apply where they cannot be waived.
For a dispute permitted to proceed in court, you and WILLPORT consent to exclusive jurisdiction in the state and federal courts located in Clark County, Nevada, except that an individual small-claims action may be brought in a court with proper jurisdiction where you live.
We may update these Terms. We will post the updated Terms with a revised effective date and provide additional notice of material changes as required by law. If a change materially affects existing rights or obligations, it will apply prospectively after the notice period stated in the notice. Continued use after the effective date constitutes acceptance where permitted by law. If you do not agree, stop using the affected Services and close your account, subject to pending obligations.
These Terms and applicable Supplemental Terms are the entire agreement concerning the Services and replace prior terms on the same subject. A failure to enforce a provision is not a waiver. If a provision is unenforceable, it will be enforced to the maximum lawful extent and the remainder will remain effective, subject to Section 24.E.
You may not assign these Terms without our consent. WILLPORT may assign them in connection with a merger, reorganization, financing, sale of assets, or by operation of law, with notice where required. No third party is a beneficiary except as expressly stated. Headings are for convenience. "Including" means "including without limitation."
Events outside a party's reasonable control may excuse delay, except payment obligations and obligations that law does not permit to be excused.
Questions about these Terms or the Services may be sent to:
WILLPORT Holdings, Inc.
1645 Village Center Circle, Suite 200
Las Vegas, Nevada 89134
Email: service@willport.com
