> ## Documentation Index
> Fetch the complete documentation index at: https://docs.blinka.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Legal

> The Blinka legal center: terms of service, privacy policy, card program agreements, and partner disclosures, published as the canonical public versions of each document.

This is the Blinka legal center. Every legal document that governs your use of Blinka is published here, and the version on this site is the canonical public version of that document.

## Platform agreements

<CardGroup cols={2}>
  <Card title="Terms of Service" icon="scale-balanced" href="/legal/terms-of-service">
    The agreement between you and Blinka Tech Corp governing your use of the platform, APIs, and services.
  </Card>

  <Card title="Privacy Policy" icon="shield-halved" href="/legal/privacy-policy">
    What personal and business information we collect, how we use it, and who we share it with.
  </Card>
</CardGroup>

## Card program

<CardGroup cols={2}>
  <Card title="Card Program Disclosures" icon="credit-card" href="/legal/cards/overview">
    Who issues the Blinka Card, and which agreements apply to it.
  </Card>

  <Card title="Card Terms" icon="file-contract" href="/legal/cards/card-terms">
    The agreement between your company, Blinka, and the card issuer.
  </Card>

  <Card title="Authorized User Terms" icon="user-check" href="/legal/cards/authorized-user-terms">
    The agreement with each individual cardholder.
  </Card>

  <Card title="Prohibitions" icon="ban" href="/legal/cards/prohibited-activities">
    Cardholders, spending, and account activity that are not permitted.
  </Card>
</CardGroup>

## Disclosures

<CardGroup cols={2}>
  <Card title="Partner Disclosures" icon="building-columns" href="/legal/partner-disclosures">
    Our regulated banking, payment, and verification partners, and links to their terms.
  </Card>
</CardGroup>

## Who we are

Blinka Tech Corp is a Delaware corporation. Blinka is a financial technology company, not a bank, credit union, or other chartered depository institution. Banking, card, and payment functionality is delivered through licensed and regulated partners, which are identified on the [Partner Disclosures](/legal/partner-disclosures) page.

Banking services, including deposit accounts, are provided by Erebor Bank, N.A., Member FDIC. The Blinka Card is issued by Third National.

## Effective dates and changes

Each document states its own last-updated date at the top. Where a document requires advance notice of material changes, that notice period is stated in the document itself. The Terms of Service and Privacy Policy each provide for at least thirty (30) days' notice of material changes.

Note that the platform agreements and the card agreements are governed by different law: the Terms of Service by Delaware law, and the card agreements by the law of Puerto Rico. Where a dispute concerns the card, the card agreements control.

## Contact

For questions about any document in the legal center, contact Blinka Tech Corp at [support@blinka.co](mailto:support@blinka.co).