Last updated: March 18, 2026
Please read these Terms of Service ("Terms") carefully before using HydraCash. By creating an account or using any part of the HydraCash application ("App"), you agree to be bound by these Terms. If you do not agree, do not use HydraCash.
HydraCash is a mobile financial services application that enables users to:
HydraCash is not a bank. Payment processing, card issuance, and fund storage are provided by our financial partners, including Stripe, Inc. and their banking partners. Funds held in your HydraCash account are not FDIC insured unless explicitly stated otherwise by our banking partners.
To use HydraCash, you must:
By using HydraCash, you represent and warrant that you meet all eligibility requirements. We reserve the right to verify your identity and refuse service at our sole discretion.
You must register with a valid phone number and complete identity verification as required by applicable law. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.
You are responsible for:
We strongly recommend enabling biometric authentication (Face ID / Touch ID) for additional security. We are not liable for losses arising from unauthorized account access resulting from your failure to safeguard your credentials.
Each individual may maintain only one HydraCash account. Creating multiple accounts may result in suspension or termination of all associated accounts.
When you send money through HydraCash, you authorize us to debit the specified amount from your linked funding source and credit the recipient. Transactions are processed in real-time and are generally irreversible once completed.
Funds received are credited to your HydraCash balance. You may transfer your balance to a linked bank account, subject to processing times and applicable limits.
Your HydraCash virtual card is issued by our banking partner through Stripe. Use of the virtual card is subject to the card network's terms and any additional terms provided by the card issuer. You agree to use the card only for lawful purchases.
The AI-powered bill splitting feature provides estimated allocations based on receipt analysis. You are responsible for reviewing and confirming all split amounts before sending payment requests. HydraCash is not liable for errors in AI-generated split calculations.
The following limits apply to standard accounts:
Premium subscribers may have higher limits. We reserve the right to adjust limits at any time for security or compliance reasons.
We will notify you of any fee changes at least 30 days in advance. Updated fee schedules will be posted in the App and on our website.
You earn Hydra Points through qualifying transactions and activities as described in the App. Points have no cash value and cannot be transferred between accounts.
Points may be redeemed for cashback, gift cards, or premium features as available. Redemption options and values are subject to change.
Hydra Points expire 12 months after being earned if not redeemed. Points balances are forfeited upon account termination.
We reserve the right to void points earned through fraudulent, abusive, or manipulative activity, including but not limited to circular transactions designed to accumulate points.
You agree not to use HydraCash to:
Violation of these terms may result in immediate account suspension or termination, forfeiture of funds pending investigation, and referral to law enforcement.
The HydraCash name, logo, designs, and all content within the App are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our intellectual property without prior written consent.
Your use of HydraCash is subject to our Privacy Policy. By using HydraCash, you consent to the collection and use of your information as described in the Privacy Policy.
The App is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that:
To the maximum extent permitted by law, HydraCash shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from:
Our total aggregate liability for all claims arising from or relating to these Terms or your use of HydraCash shall not exceed the greater of (a) the fees you paid to us in the 12 months preceding the claim, or (b) $100.
You agree to indemnify, defend, and hold harmless HydraCash, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from:
Before filing any formal claim, you agree to contact us at legal@hydracash.app and attempt to resolve the dispute informally for at least 30 days.
Any dispute that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration will be conducted in Philadelphia, Pennsylvania, or remotely at your election.
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If this waiver is found unenforceable, the entire arbitration agreement shall be void.
Either party may seek injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. Claims within small claims court jurisdiction may be filed in small claims court.
These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles.
You may close your account at any time through the App settings or by contacting support@hydracash.app. Upon closure:
We may suspend or terminate your account at any time, with or without notice, for any reason, including but not limited to:
If we terminate your account without cause, we will provide reasonable notice and facilitate the transfer of your remaining balance. If terminated for cause, we may hold funds pending investigation as required by law.
We may modify these Terms at any time. Material changes will be communicated through:
Your continued use of HydraCash after the effective date of any changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using HydraCash and close your account.
If you have questions about these Terms, please contact us: