ChatGPT Wallet terms

These ChatGPT Wallet Terms (“Wallet Terms”) apply when you use ChatGPT Wallet and you agree to be bound by them. Please read them carefully. They supplement the OpenAI Terms of Use and Service Terms (together, the “Agreement”). If these Wallet Terms conflict with the Agreement, these Wallet Terms control only for your use of Wallet. If you do not agree to the Wallet Terms, remove your payment cards from the ChatGPT Wallet. These Wallet Terms supersede any other or prior ChatGPT Wallet Terms that may appear on your device, computer websites or elsewhere.

ChatGPT Wallet lets eligible users save an eligible payment card and direct ChatGPT to use a payment credential linked to that card to facilitate the user’s purchase from a merchant.

ChatGPT Wallet does not create a bank account or stored balance, extend credit, transfer funds, or change your relationship with your card issuer. You must review and approve each purchase before it is submitted or grant ChatGPT the authority to approve each purchase in advance.

To use ChatGPT Wallet, you must:

• be at least 18 years old and legally able to enter into a contract;

• reside in the United States, have a U.S. billing address for your credit card, and use ChatGPT Wallet in the United States;

• have an eligible OpenAI account in good standing; 

• comply with our Usage Policies⁠; and

• use a card that belongs to you or that you are legally authorized to use and that was issued by a financial institution in the United States. If it is a business card, your organization must permit you to store your business card with us for purchases.

We, your card issuer, the payment network, or our payment service providers may decide that a card is not eligible. ChatGPT Wallet may not be available on every device, account, merchant, or checkout.

When you add a card, you authorize OpenAI and its service providers to collect, verify, tokenize, and securely store the information needed to make the card available in ChatGPT Wallet, for the purpose of making purchases with a merchant. Your issuer or our payment service provider may place a temporary verification authorization on the card; this is not a completed purchase and will be reversed after we verify your card.

Use only the secure card form. Do not paste your card number, security code or verification codes into a ChatGPT conversation. You are responsible for keeping your card and billing information accurate and current.

You may remove a card in ChatGPT Wallet settings. Removing a card does not cancel a purchase that has already been submitted or any obligation you have to a merchant or issuer.

ChatGPT may help you find a product, prepare an order, or fill out a merchant’s checkout. Before the order is submitted, ChatGPT Wallet will show you the certain purchase details available to it, such as:

• the merchant;

• the items or services and quantity;

• the total price or maximum price, including known taxes, fees, and shipping;

• the card to be used;

• whether the purchase creates a recurring charge, deposit, or authorization hold.

Review those details carefully. AI systems can make mistakes. Do not approve a purchase unless the details are correct and you want the merchant to receive the order.

What your approval means. When you select “Approve” (or use another confirmation method we show), you direct and authorize OpenAI to request or use a payment credential linked to the selected card and to submit the approved order and the information needed to complete it to the merchant and its service providers on your behalf. Your approval is limited to the merchant, items or services, amount, card, recipient, delivery details, and other terms shown to you. Submitting an approved order does not guarantee it will be accepted by the merchant. 

If a material detail changes before submission, ChatGPT Wallet will ask you to approve the updated purchase. We may also require additional verification for security or risk reasons. We may keep a record of the purchase details, the confirmation screen, and your approval.

After you approve a purchase, OpenAI may ask a payment service provider, card network, or issuer to create or provide a tokenized, virtual, or other payment credential linked to your card. OpenAI may cause that credential and the order, contact, billing, shipping, and other information needed for checkout to be submitted to the merchant and its payment providers.

The payment credential used to make the purchase may be different from the number printed on your physical card, however, the purchase will be charged to your physical card account. Your issuer decides whether to authorize the transaction, and the merchant decides whether to accept and fulfill the order. OpenAI does not guarantee that a card, credential, merchant, or transaction will be accepted.

The merchant is the seller and merchant of record. Your purchase is a transaction between you and the merchant and is subject to the merchant’s terms, prices, privacy policy, shipping rules, return policy, warranties, and other conditions.

OpenAI is not a bank, card issuer, payment network, lender, or merchant for your ChatGPT Wallet purchases. OpenAI does not hold your purchase funds. Unless we clearly say otherwise for a particular service, OpenAI does not control and is not responsible for a merchant’s products or services, inventory, descriptions, pricing, delivery, safety, legality, refunds, or customer support.

A merchant’s appearance in ChatGPT does not mean OpenAI endorses the merchant or its products.

Your cardholder agreement and the rules of your issuer and payment network continue to apply, including any interest, fees, rewards, currency conversion, dispute, and unauthorized-transaction rights.

For an order problem, cancellation, return, refund, or product dispute, contact the merchant. For a card charge, billing error, or unauthorized transaction, contact your issuer promptly. OpenAI may provide ChatGPT Wallet records or other reasonable assistance, but does not decide or fund merchant refunds or card chargebacks unless required by law or OpenAI separately promises otherwise.

Nothing in these Wallet Terms limits any non-waivable right you have under applicable law or your cardholder agreement.

OPENAI DOES NOT ASSUME ANY LIABILITY FOR PURCHASES, PAYMENTS, FUNDS TRANSFERS, ORDERS, ORDER FULFILMENT, RECEIPT INFORMATION, ACCESS, IDENTITY VERIFICATION, TRANSACTIONS, THIRD PARTY USE OR TREATMENT OF USER DATA, OR OTHER ACTIVITY MADE USING THE CHATGPT WALLET, AND YOU AGREE TO LOOK SOLELY TO AGREEMENTS YOU MAY HAVE WITH YOUR CARD ISSUER, PAYMENT NETWORK, FINANCIAL INSTITUTION, MERCHANT, APP DEVELOPER, STATE ISSUING AUTHORITY, OR OTHER APPLICABLE THIRD PARTY TO RESOLVE ANY QUESTIONS OR DISPUTES RELATING TO YOUR SUPPORTED CARDS AND ASSOCIATED ACTIVITIES.

Keep your OpenAI account, devices, passkeys, passwords, and authentication methods secure. Do not let another person use your ChatGPT Wallet or approve a purchase unless they are authorized to act for you.

We may require a passkey, device confirmation, biometric or passcode check, or another verification method before a card is added or a purchase is submitted. If a biometric check is performed locally by your device, OpenAI does not receive the underlying fingerprint or face scan.

Tell OpenAI promptly if you believe your account or ChatGPT Wallet has been compromised. Also contact your issuer if a card is lost or stolen or if you see an unauthorized charge. We may suspend ChatGPT Wallet or a credential while we investigate, and you agree to provide reasonably requested information about suspected fraud or misuse.

You may use ChatGPT Wallet only for lawful purchases and in compliance with the Agreement. You may not use ChatGPT Wallet for fraud, money laundering, cash-equivalent transactions, illegal goods or services, sanctions evasion, or any attempt to bypass a merchant, issuer, network, or OpenAI restriction.

We may set transaction, merchant, category, card, account, device, or geographic limits. We may decline to facilitate, delay, or block a transaction, or suspend or end ChatGPT Wallet access, when reasonably necessary to protect users or third parties, prevent fraud or abuse, comply with law or network rules, address technical problems, or enforce the Agreement. When reasonable, we will tell you what happened.

You can remove a card or stop using ChatGPT Wallet at any time. OpenAI may end ChatGPT Wallet or remove a card or credential as described above. Ending ChatGPT Wallet does not cancel an order already accepted by a merchant, reverse an authorized charge, or end obligations under your agreement with a merchant or issuer.

We and our service providers may retain certain ChatGPT Wallet information after you remove a card or close ChatGPT Wallet when needed to complete a transaction, resolve a dispute, prevent fraud, comply with law, or enforce the Agreement, as described in the ChatGPT Wallet Privacy Notice.

The OpenAI Privacy Policy⁠ and the ChatGPT Wallet Privacy Notice⁠ explain how OpenAI and its service providers collect, use, retain, and disclose information when you use the ChatGPT Wallet. Merchants, issuers, card networks, and their service providers process information under their own terms and privacy notices.

We can update ChatGPT Wallet and these Wallet Terms. We will provide notice as required by law. Your continued use after the updated terms take effect means you accept them.

The Agreement’s provisions about suspension, termination, disclaimers, limits of liability, indemnity, dispute resolution, arbitration, governing law, and general terms apply to the ChatGPT Wallet. If applicable law does not allow a limitation, it applies only to the extent permitted.