User Agreements

Terms of Use | Privacy Policy | Promotional Terms | SMS Terms | Automatic Transfers | Bill Pay Terms

Promotional Terms

Last modified: October 8, 2019

Promotional Codes: Pangea may, in Pangea’s sole discretion, create promotional codes that may be redeemed for account credit or other features or benefits related to a Third Party Provider’s services, subject to terms that Pangea establishes on a per promotional code basis (“Promo Codes“). You agree that Promo Codes: (a) must be used for the intended audience and purpose, and in a lawful manner; (b) may not be duplicated, sold or transferred in any manner, or made available to the general public, unless expressly permitted by Pangea; (c) may be disabled by Pangea at any time for any reason without liability to Pangea; (d) may only be used pursuant to the specific terms that Pangea establishes for such Promo Code; (e) are not valid for cash; and (f) may expire prior to your use. Pangea reserves the right to withhold or deduct credits or other features or benefits obtained through the use of Promo Codes by you or any other user in the event that Pangea determines or believes that the use or redemption of the Promo Code was in error, fraudulent, illegal, or in violation of the applicable Promo Code terms or these Terms. Promo Codes are valid only for users that live in a State in which Pangea operates as an additional bonus to a Transaction funded by such user for a minimum of $20 or as specified.

Personal Invite Code aka Personal Promo Code You can earn bonuses by inviting friends and family to download and make a first transfer using Your Personal Invite code. After creating your Pangea account, you will receive a personal invite code. If you share that code with friends and family, they can receive $10 off their transfer of at least $20 or equivalent (excluding fees). If the total transfer is at least $20 or more (excluding fees), you’ll get a $10 bonus after their transfer has successfully completed. You can use your bonus on a future transfer of at least $20 or more (excluding fees). Everyone gets more.

Your Personal Invite Code may only be used for personal and non-commercial purposes. Feel free to share your invite code with your friends and family via email, SMS, WhatsApp, Facebook pages, personal blogs, etc. where you are the primary content owner. However you cannot distribute your invite code on sites where you are a contributor but not the primary content owner (e.g., Wikipedia, coupon websites, app stores and app review websites) and you cannot promote your invite code via Search Engine Marketing (e.g., AdWords/Yahoo/Bing). You cannot invite (i) yourself, (ii) anyone who uses the same credit card as you do, or (iii) someone who uses the same mobile device as you do.

Personal Invite Codes cannot be redeemed for a first transfer where the receiver has already received 3 transfers or more on the Pangea platform.

Bonuses earned by inviting friends and family expire 120 days from the date they are earned. Bonuses will be applied to transfers in USD currency and may not be combined with another coupon or discount. Other restrictions may apply.

If you break any of the rules applicable to personal invite codes, promo codes, or bonuses, Pangea may remove credits from the account holder, and/or cancel a promo code or bonus, and/or suspend your account without notice.

Pangea Visa Debit Card1 Personal URL aka Personal URL You can earn bonuses by inviting friends and family to start banking with Pangea using your Personal URL. After joining the Pangea Card waitlist (or signing up for Pangea Card once active), you will receive a Personal URL. You can share your Personal URL with your friends and family to earn a referral bonus. After your referral successfully completes a deposit of at least $20 (excluding fees), both you and your referral will get a $10 bonus deposited into your account. Referral bonuses may not be available for up to 30 days.

Your Personal URL may only be used for personal and non-commercial purposes. Feel free to share your invite code with your friends and family via email, SMS, WhatsApp, Facebook pages, personal blogs, etc. where you are the primary content owner. However you cannot distribute your invite code on sites where you are a contributor but not the primary content owner (e.g., Wikipedia, coupon websites, app stores and app review websites) and you cannot promote your invite code via Search Engine Marketing (e.g., AdWords/Yahoo/Bing). You cannot invite (i) yourself, (ii) anyone who uses the same credit card as you do, or (iii) someone who uses the same mobile device as you do.

Free International Transfers from your Pangea Visa Debit Card Balance Offer applies when user successfully starts recurring payroll direct deposits for $500 or more. First fee waivers will be applied upon Pangea receiving notice that at least a $500 direct deposit has occurred. After doing so, fee waivers will be automatically applied to the user’s first two international transfers or bill payments every calendar month. Pangea Visa Debit Card account must be open and in good standing (not closed, locked or restricted) in order for fee waivers to be applied. User may qualify for a maximum of two fee waivers per month of this type. Fee waivers can only be used for one-time transfers originating from a user’s Pangea Visa Debit Card balance. Subject to change without notice

Timing, Cancellation, and Penalties The credit of any bonus will occur only if all Promotional Terms are followed as determined by the sole discretion of Pangea. Pangea reserves the right to cancel, suspend, or modify any Personal Invite Code, Promo Code, or Personal URL (or the corresponding Promotional Terms) at any time. If you break any of the rules or terms applicable to Personal Invite Codes, Promo Codes, Personal URLs, or bonuses, Pangea may remove credits from the account holder, and/or cancel a Personal Invite Code, Promo Code, Personal URL, or bonus, and/or suspend your account without notice.

1 Debit Account Services provided by and Pangea Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA, Inc. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. International money transmission services are offered by Pangea USA, LLC, not Green Dot Bank. Debit account opening subject to Green Dot Bank approval.