Unit Service Levels

1. Support

As part of its delivery of the Platform Services, Unit will provide, operate, and maintain a support system that the Client may use to submit requests (“Tickets”) for (i) platform-related support (“Platform Support”) or (ii) End User-related support (“End User Support”) as further described below.

2. API Availability

Unit warrants that the actual availability of the Unit technology platform (“Unit Platform”) to accept and respond to API calls (“Standard API Availability”) will be 99.5% monthly, not including any unavailability during System Maintenance. The Standard API Availability will be calculated by subtracting the number of minutes in which the Unit Platform is unavailable (not including Exclusions as defined below) from the total number of minutes in a calendar month, and dividing the difference by the total number of minutes in a calendar month.

If there is a verified failure of the Unit Platform to meet the Standard API Availability in a particular month and Client makes a request for service credit within thirty (30) days after the end of such month, Client will be credited $50.00 for each hour (prorated to the nearest minute) of unavailability that the Unit Platform fails to meet the Standard API Availability. Any such credit will be applied toward the following month’s Base Fee.

3. Platform Support

In cases where the Unit Platform is not accessible or operating as expected, Client may submit a Ticket to Unit indicating the issue and applicable Service Level. Unit will make a final reasonable determination as to the applicable Service Level and may upgrade or downgrade the Ticket accordingly to correspond to the descriptions outlined below.

Tier 1

The issue is “mission critical” and without a viable work-around. The issue prevents Client from conducting business and carries the potential for financial or reputational losses. and financial information

Unit will respond to the Ticket within two (2) hours of its submission.

If Unit fails to respond to the Ticket within the stated Response Time, Client will be credited $60.00 per hour in excess of the stated Response Time (prorated to the nearest minute) until the Ticket is responded to. Any such credit will be applied toward the following month’s Base Fee.

Tier 2

The issue impacts Client’s normal business operations, but a viable work-around solution is available.

If the Ticket is submitted between Monday 8:00am EST - Friday 6:00pm EST, Unit will respond within 12 hours of submission. If the Ticket is submitted between Friday 6:00pm EST - Monday 8:00am EST, Unit will respond within the first four (4) hours of the first Business Day following its submission.

If Unit fails to respond to the Ticket within the stated Response Time, Client will be credited $30.00per hour in excess of the stated Response Time (prorated to the nearest minute) until the Ticket is responded to. Any such credit will be applied toward the following month’s Base Fee.

Tier 3

The issue does not impact Client’s normal business operations.

Unit will respond to the Ticket within two (2) Business Days of its submission.

If Unit fails to respond to the Ticket within the stated Response Time, Client will be credited $10.00 per hour in excess of the stated Response Time (prorated to the nearest minute) until the Ticket is responded to. Any such credit will be applied toward the following month’s Base Fee.

‍4. End User Support

If an End User contacts Client with regard to a problem accessing the Platform Services through the Unit Platform, Client may submit a Ticket to Unit indicating the issue and applicable Service Level. Unit will make a final reasonable determination as to the applicable Service Level and may upgrade or downgrade the Ticket accordingly to correspond to the descriptions outlined below.

Tier 1

The issue has a critical impact on the End User’s ability to engage in transactions or access his/her account, is likely to result in financial or reputational losses if not remedied immediately, or the issue requires a response within a certain time established by relevant financial regulation(s).

If the Ticket is submitted between Monday 8:00am EST – Friday 6:00pm EST, Unit will respond within two (2) hours of submission. If the Ticket is submitted between Friday 6:00pm EST – Monday 8:00am EST, Unit will respond within the first two (2) hours of the first Business Day following its submission.

Tier 2

The issue impacts the End User’s ability to transact or access his/her account, but the situation is not critical, or a viable work-around solution is available.

If the Ticket is submitted between Monday 8:00am EST – Friday 6:00pm EST, Unit will respond within 12 hours of submission. If the Ticket is submitted between Friday 6:00pm EST – Monday 8:00am EST, Unit will respond within the first four (4) hours of the first Business Day following its submission.

If Unit fails to respond to the Ticket within the stated Response Time, Client will be credited $30.00 per hour in excess of the stated Response Time (prorated to the nearest minute) until the Ticket is responded to. Any such credit will be applied toward the following month’s Base Fee.

Tier 3

The issue does not impact the End User’s normal operations or ability to access his/her account.

Unit will respond to the Ticket within two (2) Business Days of its submission.

‍5. Definitions

“Availability” means the ability of a system or user to access the Unit Platform. The Unit Platform is unavailable if the Unit Platform is unreachable for a system or user, excluding System Maintenance, due to a failure, error, or malfunction of the Unit Platform.

“System Maintenance” means all routine, scheduled maintenance, all testing periods and all maintenance which falls outside of the regularly planned maintenance window in each case as related to performance and security of the Unit systems.

6. Remedies

The maximum aggregate credit available to Client in each calendar month for Unit’s failures to meet Tickets’ corresponding Response Times and/or the Standard API Availability (“Service Level Failures”) is equal to 100% of the Base Fee stated in Supplement 2 (Financial Terms). Any such credit will be applied to the following month’s Base Fee. For the avoidance of doubt, there will be no double counting of credits resulting from the same Service Level Failure. Credits constitute liquidated damages and are not a penalty. Credits are Client’s sole and exclusive remedy, and Unit’s sole and exclusive liability for all Service Level Failures.

7. Exclusions

Unit is not responsible for a Service Level Failure due to:

Client (or Client’s agent or third party) acts, errors, omissions, or breaches of the Client Services Agreement (“CSA”) or Banking Services Agreement (“BSA”), including any exhibits thereto;
Client’s use of Unit Platform in a manner not authorized by Unit or by the CSA or BSA;
Client’s or a third party’s equipment, network, infrastructure, software, or other technology;
Tests, adjustments, System Maintenance or any other reasonable maintenance;
Platform Services changes or resource reductions requested by Client and approved by Unit;
When Platform Services or access to the Unit Platform are suspended by Unit or Bank Partner as provided in the CSA or BSA; or
Any event of Force Majeure as set forth in the CSA.

8. Incident Reports

Client is responsible for notifying Unit of any Service Level Failure within two (2) Business Days of such failure, pursuant to which Unit will apply the applicable credit to the following month’s Base Fee.

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1. Unit is a financial technology company and not a bank. Banking services are provided by Unit's bank partners, Members FDIC. Visa® debit cards are issued by Unit's bank partners pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.