Important Disclosures and Consents

Last updated: March 23, 2026

Please review the following Disclosures and Consents carefully. They affect your legal rights. We recommend keeping a copy for your records.

Fair Credit Reporting Act Disclosure (FCRA)

Consumer Credit Report. When you open or claim your Natural Account, Natural may obtain a consumer report about you from at least one consumer reporting agency. A consumer credit report may include information about your credit standing, credit capacity, general character, personal characteristics, or mode of living.

Permissible Purpose. Natural may use this information to:

verify your identity;
evaluate if you qualify for a Natural Account or credit;
service your Natural Account; and
comply with legal and regulatory requirements.

Your Rights. Under FCRA, you have the right to obtain a free copy of your consumer report from a consumer reporting agency. You may also dispute inaccurate or incomplete information. If Natural takes adverse action based in whole or in part on information in a consumer report, we will provide you with an Adverse Action Notice as law requires.

Equal Credit Opportunity Act Notice (ECOA)

The Federal ECOA prohibits creditors from discriminating against applicants based on race, color, religion, national origin, sex, marital status, or age. It also prohibits discrimination because all or part of your income comes from a public assistance program or because you exercised any right under the Consumer Credit Protection Act.

Consumer Electronic Fund Transfer (EFT) Disclosure (Reg E)

Your Liability for Unauthorized Transfers. Notify Natural immediately if you believe your login credentials have been lost or stolen, or if a transfer was made in error or without your permission.

Timing. If you notify Natural of any of the above occurrences within 2 business days of the occurrence, your losses will be capped at $50. If you notify Natural after 2 business days, you could be liable for losses up to $500 if Natural proves we could have stopped the unauthorized use had you notified us immediately. If you notify Natural more than 60 days after the first statement on which the error or unauthorized EFT activity appeared, you may not recover losses from Natural.

Notification Contents. When you notify Natural of EFT activity you suspect is in error or unauthorized, you must include:

your full legal name, or legal entity name, and the associated account number;
a description of the EFT activity you claim is in error or unauthorized;
a statement explaining why you believe the specific EFT activity is in error or unauthorized; and
the dollar amount of each EFT activity you claim is in error or unauthorized.

Contact Information. To report EFT activity you suspect is in error or unauthorized, contact Natural at notices@natural.com.

Error Resolution & Provisional Credit. Natural will investigate and inform you of the results within 10 business days. If we need up to 45 days (or 90 days for new accounts) to investigate, we will provisionally credit your account within 10 business days for the disputed amount so you have use of the funds during our review.

Stopping Preauthorized Payments. To stop a recurring payment, notify Natural at least 3 business days before the next scheduled recurring payment. If you notify Natural within that time period, and we fail to stop the payment, Natural is liable for your losses or damages.

Privacy Notice (GLBA)

In order to use the Natural Services, you must authorize Natural to process personal data as described in the Privacy Policy and the Data Processing Agreement (DPA).

Natural Services Agreement

In order to use the Natural Services, you must read, understand, and agree to the terms stated in the Natural Services Agreement (including the Terms of Service (ToS), Financial Services Terms, and DPA), which Natural may amend from time to time with notice to you.

By selecting the "I Agree" box, you acknowledge that you have read, understand, and agree to be bound by the Natural Services Agreement for the duration of your use of the Natural Services.

Authorized Use Policy

In order to use the Natural Services, you must read, understand, and agree to Natural's Authorized Use Policy (AUP).

By selecting the "I Agree" box, you acknowledge that you have read, understand, and agree to comply with the Authorized Use Policy for the duration of your use of the Natural Services.

Electronic Records and Signatures Disclosure (E-SIGN Act)

You consent to receiving agreements, disclosures, notices, statements, and other communications from Natural ("Communications") electronically instead of in paper form. Natural may provide these Communications to you via your account dashboard, Natural's website, Natural's mobile application, Natural's financial or technology partner, Natural's bank partner, or email.

Legal Effect. Electronic Communications satisfy any legal requirement that a communication must be in writing.

Signatures. Your electronic signature has the same legal effect as your handwritten signature.

Technology Requirements. You confirm you have access to a device with internet connectivity, a current web browser, and the ability to view and save PDF documents.

Paper Copies. You may request a paper copy of any Communication at no charge.

Withdrawing Consent. You may withdraw your consent to receive electronic Communications at any time by contacting Natural. Note that withdrawing consent may result in Natural restricting or closing your account.

Third Parties. Your consent includes electronic communications that Natural provides on behalf of its third-party financial partners and technology partners.

By selecting the "I Agree" box, you acknowledge that you have read and consent to electronic Communications.

In order to use the Natural Services, you must read, understand, and agree to the data processing roles and obligations stated in the Data Processing Agreement (DPA).

By selecting the "I Agree" box, you acknowledge that you have read, understand, and agree to the data processing terms in the Data Processing Agreement (DPA).

Natural may send you account-related communications regarding your Natural Account via phone call, text message, or email, including via automated technology, prerecorded messages, or automatic dialing systems.

Account-related communications may include:

account notifications and service-related messages;
security fraud alerts;
transaction approval requests;
transaction status updates;
important service updates;
payment reminders; and
customer support responses.

You understand that:

your consent is required so that Natural may service your Natural Account;
standard message and data rates apply for text messages (SMS/MMS);
message frequency may vary;
you may opt out of account-related text messages by replying "STOP", though opting out may result in Natural needing to suspend or close your Natural Account.

By selecting the "I Agree" box, you represent that you are the authorized user of the phone number you provided and consent to receiving transactional/account-related communications.

Arbitration Disclosure

The Natural Agreement contains a binding arbitration provision. By proceeding to set up your Natural Account, you agree that, to the extent law permits, any disputes between you and Natural will be resolved through individual arbitration rather than in court.

This means:

you waive your right to a jury trial;
you waive your right to participate in a class action or class arbitration; and
disputes will be resolved by a neutral arbitrator, not a judge or jury.

Arbitration procedures, rights, and costs, are described in the Arbitration clause in the Natural Agreement.

By selecting the "I Agree" box, you represent that you have read, understand, and agree to be bound by the Arbitration clause in the Terms of Service.

You agree that Natural may send you marketing and promotional communications related to your Natural Account. Natural may use automated technology to send these communications.

Marketing communications may include:

new product announcements;
promotional campaigns;
collaboration opportunities; and
updates from the Natural team.