Terms of Service
Last updated: June 11, 2026 · Beta
1. The service
Layne provides virtual cards for SaaS spend, per-vendor budgets, and spend analytics. Card issuer details are pending and will be published here before launch. Layne is not a bank and does not issue cards. By using Layne you also agree to Stripe's applicable cardholder terms, which you accept during card setup.
2. Funding and spend
You are responsible for spend made with card details you reveal or share. Cards spend against your prefunded balance. You authorize us to decline transactions that exceed your budgets or balance.
3. Vendor connections
When you connect a vendor API key, you grant us read-only access to retrieve billing and usage data from that vendor. You represent that you are authorized to grant this access. You can revoke it anytime by disconnecting the vendor.
4. Acceptable use
No unlawful use, no funding or purchasing of prohibited goods or services, no use that violates card-network rules. We may suspend cards or accounts that present fraud or compliance risk.
5. Beta status
Layne is in beta. The service is provided "as is" without warranties; to the extent permitted by law our liability is limited to the fees you paid us in the prior 12 months. We may change or discontinue features with notice.
6. Closure
You can request account closure from Settings. We cancel your cards and delete your data per our Privacy Policy, retaining only what financial regulations require.