EFFECTIVE MARCH 23, 2025, the following provision will be added to Section 2 under Restrictions and limitations on use of the Service, including some that are specific to your use of Zelle with Chase of this Agreement:
Using Zelle through Chase to send payments identified as originating from contact through Social Media:
To help protect you from fraud and scams, the Zelle Service should be used for payments between friends, family, and others you trust and should not be used to pay for goods from recipients with whom you are not familiar. The Service is not intended, and should not be used, for the purchase of goods from retailers, merchants, or the like, including on or through social media or social media marketplaces or messaging apps. Neither we nor Zelle offer purchase protection for non-receipt, damage, or "not as described" claims related to the purchase of goods and/or services. See the section titled No Purchase Protection for more information.
If you are sending a Zelle payment from your Chase account that is identified as originating from contact through social media, we may, in our discretion delay, decline or block that payment.
We may request information from you (for example, when you set up a payment or add a recipient) regarding your purpose of payment, the method of contact with your recipient, or other details we deem appropriate to assess whether your payment has elevated fraud or scam risk, or is an illegal, ineligible or improper payment. You agree to provide the requested information if asked.
We may in our discretion decline payments, restrict your use of Zelle® through Chase, or take other actions as described in your account agreement if you do not respond truthfully to questions we ask or if you otherwise engage in risky use of the Zelle Service, which includes alleged deceit, fraud, or material misrepresentations in providing information about your payment.
Any failure to delay, decline or block an ineligible payment does not constitute a waiver of our right to so do for future payments.
