Terms & Conditions for Veterans Eligible for Benefit Advance Access
Definitions
Application (App): The mobile platform operated by ERLI TECHNOLOGIES LLC (Erli Hero), including its infrastructure, networks, operating systems, databases, and software, available on iOS and Android, through which Veterans can access their benefits in advance.
Benefit Advance Access (BAA): A service provided by Erli Hero that allows Users to request and receive an advance on their government-issued benefits, subject to the terms and conditions outlined in this agreement. Erli Hero’s BAA is a non-loan service that allows users to access funds in advance of their benefits. Erli Hero does not charge interest, report to credit agencies, or engage in debt collection. The Benefit Advance does not constitute an assignment of Veterans Affairs (VA) or other government benefits. Erli Hero does not claim or exercise control over a Veteran’s benefits, nor does it require direct deposit of VA benefits into any account controlled by Erli Hero.
Service Fee: A fixed, one-time fee that the User must pay for each benefit advance transaction made through the Application. This service fee covers both the cost of using the platform and any associated transaction costs. The Service Fee amount is clearly displayed in the Application and will be charged per transaction.
Terms of Service Agreement: The legal agreement between Erli Hero and the User enabling Veterans to access their benefit advances.
User Account: The registration process within the Application that allows the Veteran to access and use the platform. This includes login credentials such as username and password, which must be kept strictly confidential and not shared with third parties.
Bank Account: A checking or savings account, permitted by the Application, held in the Veteran’s name. The Bank Account must be the same one where the Veteran receives government-issued benefits or other qualifying deposits, and this same account will be used repayments.
Financial Institution: Any legally established and authorized financial entity providing account management services, regulated and supervised by the relevant financial authorities in the United States.
ERLI TECHNOLOGIES LLC: is the service provider responsible for operating and managing the Application (“ERLI”). Erli does not store, hold, or transmit funds on behalf of Users.
Website: The official Erli Hero website, available at https://www.erlihero.com
Benefit Advance: The advance amounts the Veteran requests and withdraws through the Application, deposited into their registered Bank Account by Erli Hero.
Available Balance: The total amount of the Benefit Advance that the User can access and advance, which can be viewed directly within the Application.
Service: The application's functionality allows veterans to request and receive benefit advances through the platform.
User: A veteran who has registered in the Application and uses the Benefit Advance Access services provided by Erli Hero. By using these services, the User agrees to repay the benefit advances received in accordance with the terms and conditions.
SERVICE TERMS AND CONDITIONS
Purpose: The Benefit Advance Access Service allows Users to access a portion of their Veteran benefits in advance, subject to these Terms and Conditions.
Voluntary Participation: By registering an account, accessing the Application, and requesting a benefit advance, the User expressly and voluntarily agrees to participate in the service and accept the Terms and Conditions. These include, but are not limited to, the payment of service fees, the deposit of the advance into the User’s designated account, and the voluntary authorization from the User to debit a designated account for the returned of advanced benefits. If the User does not agree to these Terms and Conditions, they shall refrain from using the Application.
Use of the Application: By creating a User Account and accessing the Application, the User acknowledges that Erli Hero is granting them limited, temporary, and revocable access to Erli Hero’s systems, applications, and platforms. The User agrees that using the Application with their login credentials is at their own risk regarding both the platform and the services provided. All personal information provided through the Application will be processed according to Erli Hero’s Privacy Policy in compliance with U.S. federal and state data protection laws.
Registration and Authorizations: To access and use the Application, the User must complete a registration form, providing true, accurate, and complete personal information, including but not limited to:
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Full name
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Email address
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Mobile phone number
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A checking or deposit account(s) for receiving advances and processing repayments
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A password chosen by the User
Upon registration, a verification code will be sent to the User’s registered mobile phone for authentication. By registering, the user certifies that all information provided is accurate and agrees to immediately update their account details if any changes occur. The user also agrees not to misrepresent their identity or provide false or misleading information at any time.
Each user may register and maintain only one Erli Hero account. Joint accounts or shared access with another person are not permitted. The user represents and warrants that is the sole legal owner of the registered bank account and that the User has the full authority to provide Erli Hero with all necessary account details and any additional information required to facilitate the use of the Services.
Benefit Advance Request and Repayment Authorization: The User expressly authorizes Erli Hero to deposit the requested advance into the User’s registered Bank Account and to charge the corresponding Service fee. Each time the User requests an advance, they must provide express authorization, which includes:
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Authorization to receive a benefit advance: The User acknowledges and voluntarily agrees that Erli Hero will deposit the requested advance into their designated and selected bank account.
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Authorization of the Service Fee: The User expressly agrees and authorizes Erli Hero to debit the fee from the registered bank account, to pay the fixed Service Fee associated with the advance, which is disclosed and accepted before completing the transaction.
Authorization of the Service Fee: The User expressly agrees that Erli Hero is authorized to automatically debit the full repayment amount (comprising the advance amount and the Service Fee) from their designated bank account. This authorization is granted solely for the current transaction and must be renewed for every subsequent advance request. Once the authorization is given for a particular transaction, it cannot be revoked for that transaction. However, Users may modify their repayment method at any time by notifying Erli Hero via email or through the Application settings at least three business days before the scheduled debit date.
Erli Hero does not require an assignment of VA benefits and all payments are voluntarily made from the User’s general funds, not directly from the VA benefits deposit.
This automatic debit authorization is not a lien or collateral on the User's benefits but a voluntary and authorized repayment method accepted by the User. By requesting an advance, the User agrees that Erli Hero’s automatic debit method is voluntary, appropriate, and duly authorized. The User may not dispute or reverse the repayment transaction unless there is an error or unauthorized transaction.
Deposit Processing: Benefit advances are processed and deposited into the User’s registered Bank Account within the timeframe specified in the Application. Processing times may vary based on banking institution policies.
Fee Structure: There are no fees for opening and maintaining an Erli Hero Account. However, each Benefit Advance incurs a one-time Service Fee per transaction, disclosed in the Application before confirming a Benefit Advance. The Service Fee is solely for platform use and to cover transaction processing costs.
Transaction Cancellation: Once a transaction is authorized and confirmed, it cannot be canceled, reversed, or refunded, including the advance amount and any associated service fees. By using the Service, the User acknowledges and agrees to this policy. If a User believes a transaction was unauthorized or processed in error, they may dispute the charge by contacting Erli Hero support within 60 days of the transaction.
Information Updates: The User must immediately update Erli Hero on any changes to their registration information, including changes to their bank account. Failure to update this information may result in the inability to receive advances or process repayments properly.
Non-Guarantee of Service: Erli Hero reserves the right to deny, suspend, or terminate access to the Service at any time.
Erli Hero Benefit Advance Process Flow
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User Registration: The User registers in the APP, provides all required details, verifies their Bank Account, and accepts the Terms and Conditions.
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Benefit Advance Request: The User requests the Benefit Advance, reviews the total amount including the fixed Service Fee, and confirms the transaction.
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Advance Processing: Erli Hero validates the request and deposits the Benefit Advance into the User's designated Bank Account.
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Automatic Repayment: On the repayment date, Erli Hero automatic debits the full repayment amount, which includes the Benefit Advance and the fixed Service Fee.
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Repayment Management: If the debit fails due to insufficient fund, Erli Hero may retry or take actions according to its repayment policies.
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Account Closure: The User may close their account at any time if no outstanding Benefit Advances remain.
SECURITY AND FRAUD PREVENTION
Fraud Prevention and Consumer Warning: Users are advised to remain vigilant against scams and fraudulent activity. The Erli Hero Service provides a secure and simple way to access Benefit Advance, but fraudulent schemes do exist. Any unusual or suspicious activity should be approached with caution. The Erli Hero App and Services must be used exclusively for legitimated purposes. Users are responsible for keeping their login credentials and sensitive information private. Personal or account details should never be shared or requested from others. Erli Hero reserves the right to suspend accounts suspected of fraudulent activity. If fraud or unauthorized activity is suspected, Users must contact Erli Hero immediately.
Security Measures: The User is responsible for maintaining the security of their login credentials and banking information. Erli Hero will never ask for passwords and will not be liable for any losses resulting from unauthorized access due to negligence.
Data Privacy and Security: The Application employs encryption and security measures to protect personal and financial data. Erli Hero complies with applicable U.S. regulations regarding data protection.
ACCOUNT TERMINATION AND MODIFICATIONS
Account Revocation and Termination by Erli Hero: Erli Hero reserves the right to suspend, cancel, limit, or revoke a user’s access to the mobile application and services, or to terminate these Terms of Use and the agreement between Erli Hero and the user, at any time, without prior notice or cause, and at Erli Hero’s sole discretion, as permitted by applicable law.
Revocation of Authorization and Account Closure by the User: Users may cancel or close their account at their discretion. The Application includes features that allow for self-service account closure, with detailed instructions available in the Account Setup Screen.
To delete account data and close the account:
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Log in to the Application
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Navigate to the "Account" section
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Select "Delete Account" section
There is no charge for closing an account. However, account closure is only permitted after all outstanding advances have been fully repaid. Once the account is closed, access to all services will be terminated, and any accounts linked to specific services will be deactivated. If no advances have been taken, the user’s personal information will be treated in accordance with Erli Hero’s Privacy Policy.
Modifications to Terms: Erli Hero reserves the right to update these Terms and Conditions at any time. Erli Hero will notify Users of any material changes through the Application or website.
FINAL PROVISIONS
Relationship of the Parties: Nothing in this Agreement or the use of the Erli Hero App shall be interpreted as creating a partnership, joint venture, employment, or agency relationship between Erli Hero and the User. Neither party may present itself as having such a relationship.
System Failures: Erli Hero is not responsible for any system failures, server issues, or internet problems that may affect access to the Application. The User acknowledges that the Application may be temporarily unavailable due to maintenance, updates, or technical difficulties.
User Responsibilities: The User is responsible for ensuring sufficient funds in their Bank Account for repayment of advances. Failure to meet obligations may result in suspension of Service access.
Third-Party Account Information: By using the Services, the user authorizes Erli Hero and its third-party service providers to access account transaction history, balance details, and other financial information from financial institutions where the veteran receives benefits or operated transactions ("Third-Party Account Information"). Erli Hero is not responsible for third-party services.
LEGAL CLAUSES
Copyright and Intellectual Property: Erli Hero owns all rights to the Application, trademarks, website, and software. Users are prohibited from modifying, copying, reproducing, or using any part of the Application without Erli Hero’s prior written consent.
Intended Audience: This mobile application is intended for adults only. The use of any of Erli Hero’s services through its website and applications is strictly prohibit to anyone under the age of 18 years of age.
No Class Action: The User waives any right to bring claims against Erli Hero as part of a class action lawsuit.
Indemnification: The User agrees to indemnify and hold Erli Hero harmless from any claims, liabilities, or expenses arising from the use of the Service.
Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Legal Disclaimer: The User acknowledges that they are using the Application voluntarily and that Erli Hero is not responsible for any personal financial decisions made by the User. Although Erli Her follows cybersecurity best practices, the User must take precautions to avoid fraud or unauthorized access to their financial accounts.
Waiver: Any waiver of terms or rights in this Agreement is only valid if it is in writing and signed by an authorized representative of Erli Hero. If either party does not enforce a part of this Agreement, it does not mean they are giving up the right to enforce it later.
Limitation of Liability: UNDER NO CIRCUMSTANCES WILL ERLI BE LIABLE OR RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING DAMAGES FROM LOSS OF BUSINESS, LOST PROFITS, LITIGATION, OR THE LIKE), SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN ANY WAY RELATING TO THE MOBILE APPLICATION, YOUR USE, OR THE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE APPLICATION AND/OR CONTENT IS TO CEASE ALL OF ITS USE. Users may have additional rights under certain laws (including consumer laws) which do not allow the exclusion of implied warranties or the exclusion or limitation of certain damages. If these laws apply to the User, the exclusions or limitations in this Agreement that directly conflict with such laws may not apply to the User.
Construction: The headings/captions appearing in this Agreement have been inserted for the purposes of convenience and ready reference, and do not purport to and shall not be deemed to define, limit, or extend the scope or intent of the provisions to which they appertain. This Agreement shall not be construed more strongly against either Party regardless of which Party is more responsible for its preparation.
Entire Agreement: These Terms of Use constitute the entire agreement between Erli Hero and the User, governing the mobile application's terms and conditions. This Agreement supersedes any prior or concurrent communications or proposals, whether electronic, oral, or written, related to the use of the application. In addition to these Terms, the User may be subject to additional policies, guidelines, or rules, including but not limited to the Privacy Policy, that apply to the use of the application. Erli Hero reserves the right to update or modify these Terms of Use at any time. Any revisions will be posted within the mobile application. Users are encouraged to review the Terms periodically to stay informed of any changes.
Governing Law and Venue: These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. Any legal action, suit, or proceeding arising out of or relating to these Terms and Conditions, the use of the Application, or any transactions with ERLI TECHNOLOGIES LLC shall be brought exclusively in a court of competent jurisdiction located in Miami-Dade County, Florida. The parties hereby irrevocably submit to the exclusive jurisdiction of such courts and waive any objections based on improper venue, forum non conveniens, or lack of personal jurisdiction.
CONTACT INFORMATION
Erli Technologies LLC
777 Brickell Avenue | Suite 140
Miami, FL, 33131
By using the Application, the Users acknowledge and agree to these Terms and Conditions.