Disclosures

Chirpin is in early MVP development. The website is for product information and waitlist collection only.

Chirpin is not currently offering a debit card, checking account, savings account, credit product, money transmission service, or stored-value account through this website.

Chirpin is not a bank. Banking, card, deposit, and money movement services, if launched, would be provided through one or more licensed financial institution partners or other regulated providers.

No partner bank relationship is being announced on this site unless expressly stated in a future update.

Chirpin does not currently hold customer deposits. Waitlist signup funds no account and creates no FDIC-insured deposit.

FDIC deposit insurance, if applicable to a future product, would depend on the structure of the account, the partner financial institution, and the applicable deposit insurance rules. Not all financial products are FDIC insured.

Descriptions of spending rules, reminders, slowdowns, blocks, safe-to-spend balances, subscriptions, BNPL tracking, and goals are product concepts and may change.

Spending controls may not prevent every transaction, may depend on merchant data, category data, network rules, partner capabilities, timing, connectivity, regulatory requirements, and user settings.

Chirpin currently plans to offer a metal card to the top 1,000 eligible public waitlist profiles by dynamic line rank at launch. The offer, card design, launch timing, eligibility, and fulfillment terms are not final and may change before launch.

Line rank can change as qualified referrals complete public profiles. Chirpin may review, reject, or remove abusive, duplicate, automated, or otherwise ineligible referral activity.

Waitlist signup does not create a bank account, card account, product approval, or access to a financial service. Future card access may require separate eligibility, identity, partner, and account requirements.

Chirpin does not provide financial, investment, tax, or legal advice. Budgeting and spending tools are informational and should not be treated as a recommendation to make or avoid any purchase.

Referral counts, line-rank movement, milestones, and rewards are campaign terms for the public waitlist and may change. They do not create a bank account, card account, deposit, approval, or guaranteed product access.

People who share a Chirpin referral link may benefit when a qualified friend joins, including by moving up the public waitlist. Generated sharing messages disclose that benefit, and people sharing a link should keep that disclosure with their recommendation.

Future cash or other valuable referral incentives may require additional verification, fraud review, tax information, payment terms, and legal disclosures before a reward is issued.

If Chirpin launches accounts, debit cards, electronic fund transfers, fees, rewards, or other regulated services, users should expect separate disclosures and agreements before using those services.

Those future disclosures may include fee schedules, electronic fund transfer rights, error-resolution procedures, privacy notices, partner-bank disclosures, and other documents required by law or by product partners.