Linked Accounts Agreement

Revised August 25, 2023

This Linked Accounts Agreement governs our use of third party financial data to determine your credit limit and account health; additionally, it describes the method and frequency Keep uses to collect payment for your credit card statement. 

Please read this Linked Accounts Agreement carefully and retain a copy for your records.

We may update this Linked Accounts Agreement at any time by posting an updated version to our legal page at

1. Defined Terms

The following Definitions apply to this Linked Accounts Agreement. Any definitions not stated here will take the meaning as detailed within the Keep Platform Agreement.

Financial Institution means a bank or an authorized foreign bank, as defined by the Bank Act. 

Financial Institution Account means the Account associated with a bank or an authorized foreign bank, as defined by the Bank Act. 

Flinks means Flinks Technology Inc. 1001 Rue Lenoir, A114, Montreal, Quebec, Canada H4C 2Z6.

Onboarding means the process of configuring your Account once your Application has been approved. 

Open Banking Services means the services provided by Plaid, Flinks or another Third-Party Service Provider that are used by Keep to collect customer Financial Data.

Plaid means Plaid, Inc. P.O. Box 7777 #35278, Registered Office: San Francisco, CA 94120-7775. 

2. Linked Accounts

2.1. Linking Your Linked Accounts

As part of the Application, you will be required to link your bank account(s) (“Linked Account”) so that we may monitor account balances and account information, identify spending patterns and potential fraud, determine and review Credit Limits, analyze and report transactions, and provide Services to you. 

A Linked Account must maintain an active connection with the applicable Open Banking Service in order to remain “linked.” An active connection means the Open Banking Service is able to access financial data, such as account balances and transactions, from your Linked Account. In the event that the applicable Open Banking Service is unable to access such data from the Linked Account at the Financial Institution, the Account will be considered “unlinked,” and therefore no longer a Linked Account. 

You must maintain at least one Linked Account at all times and agree that Keep may directly debit any Linked Account for payment of amounts owed in accordance with our Pre-Authorized Debit Agreement. You may change or update your Linked Accounts online through your Keep Account. Use of specific Services or features may also require Keep to access Company Data through Third-Party Services. 

2.2. Primary Linked Account and Debits

Once you are approved for a credit card, you will select a Primary Account. The Primary Account is the first account we will debit to pay for Charges, Fees, and Fines, as determined by your Periodic Statements. Selection of your Primary Account does not inhibit Keep’s right to debit other Linked Accounts. 

When you electronically sign our Pre-Authorized Debit Agreement, you provide us the right to debit any of the Linked Accounts for Charges, Fees, and Fines. Before the first debit on any Linked Account, we will provide you an electronic copy of your Pre-Authorized Debit Agreement for each Linked Account. 

You must have one Linked Account assigned as the Primary Account at all times. Notwithstanding the foregoing, Keep holds the right to debit any of the Linked Accounts if the Primary Account cannot be debited or does not hold a sufficient balance to make payment in full, or for any other reason that prohibits Keep from taking payment in full from the Primary Account. Although you may request to change the Primary Account, we reserve the right to reject any such change to the Primary Account for any reason. 

You may designate your Keep Business Account to be your Primary Account to pay for Charges, Fees, and Fines for your Periodic Statements. If you make such a designation, you agree to maintain a balance in your Business Account in order to pay for such Charges, Fees, and Fines. If your Keep Business Account has insufficient funds to make a payment in full on the due date of a Periodic Statement, we may collect a partial payment from your Business Account and collect the remainder of the owed amount by initiating a debit to your Linked Account(s).

In the event that a Primary Account is not or cannot be selected by you, you expressly agree that Keep reserves the right to assign a Primary Account from any of your Linked Accounts that were connected through an Open Banking Service.

2.3. Removing a Linked Account

To remove a Linked Account from your Keep Account, you must provide us with 30 days' notice by phone at 1-866-460-5337 or through email at 

Removal of your Linked Accounts does not terminate the Keep Cardholder Agreement, Keep Platform Agreement, other Program Terms, or your obligation to pay all amounts owed under these or other terms entered into by you with Keep or its Issuing Bank. You are responsible for all costs of collections and damages (“Fines”) if amounts owed are not paid in full by you when due.

2.4. Linked Account Issues

2.4.1. User Initiated Disconnect

In the event that an Authorized User disconnects the Open Banking Service from the Linked Accounts, thereby removing Keep’s ability to monitor the Linked Accounts’ cash position, you will be in breach of this Linked Accounts Agreement. Keep reserves the right to debit your account for all outstanding Charges, Fees, and Fines immediately, reduce your Credit Limit, and/or close your Keep Account.

2.4.2. Network Outages or Other Incidents

In the event that the applicable Open Banking Service cannot access your Linked Accounts data due to a network outage or other incident, we reserve the right to increase or decrease your Credit Limit to prevent further Card spend. We may also debit your account for all Charges, Fees, and Fines. 

2.4.3. Pre-Authorized Debit Failure

In the event that a Pre-Authorized Debit fails or is returned for any reason, including non-sufficient funds, incorrect account information, account freeze, or any other reason outside of Keep’s control, you agree to pay a Pre-Authorized Debit Failure fee of CAD$100. This amount may be debited from any Linked Account or your Keep Business Account. Failure in the ability for Keep to collect this fee as described will also constitute a failure and be subject to additional fees of CAD$100 for each occurrence.

3. Credit Limits

3.1. Assignment of Credit Limit

If you are approved for the credit card, your Credit Limit will be provided to you via the Website. Company Credit Limits are set by Keep, at its sole discretion, using Company Data and other data available to Keep including available funds and spending patterns, unbilled volume, financial projections, the nature and history of Company’s business, and anticipated use of Cards. We may not disclose exact Credit Limits but may provide guidance identifying whether specific transactions or spend volumes may exceed any Credit Limits. 

3.2. Change in Credit Limit

Credit Limits are dynamic and may be modified at any time with or without Notice to you, including temporary increases or decreases or reducing Credits Limits to $0. We may attempt to provide notice to you if your Credit Limit decreases. If your Credit Limit experiences a decrease due to a change in your Linked Accounts cash position, we reserve the right to debit your Linked Accounts for any difference between your Outstanding Balance and your new Credit Limit; in the event that debit(s) are unsuccessful, your account may go into collections, as defined in our Cardholder Agreement Collection Escalation policy. 

You may request an increase in your Credit Limit by emailing us at Such requests will be reviewed by Keep according to our underwriting policies, and Keep reserves the right to approve or deny your request. 

4. Payment Schedules

4.1. Assignment of Payment Schedule

Your Payment Schedule will be provided to you on the approval of your Application via the Website. The Payment Schedule can be one of Daily, Weekly, Biweekly, or Monthly. Your Payment Schedule is subject to change at any time based on underwriting criteria established by Keep and will be determined by a number of factors including but not limited to:

  • Number of Linked Accounts
  • Data collected on Linked Accounts (e.g. cash balance, velocity of cash/transactions)
  • Spend velocity on Cards
  • Nature of transactions on Cards
  • Nature of Company’s business
4.2. Change in Payment Schedule

Payment Schedules are dynamic and may be modified at any time with or without Notice to you. We may attempt to provide notice to you if your Payment Schedule becomes more frequent (i.e. we change your Payment Schedule to a Weekly Payment Schedule from a Monthly Payment Schedule). 

You may request a change in your Payment Schedule by emailing us at Such requests will be reviewed by Keep according to our underwriting policies, and Keep reserves the right to approve or deny your request. 

4.3. Payment and Statement Timing 

On the next business day following the end of each billing cycle, or as otherwise specified in your Periodic Statement, Keep will automatically debit your Linked Accounts for all Charges, Fees, and Fines owed as indicated on that Statement. 

Your Periodic Statement will be made available to you electronically via the Keep Website on the following day after your billing cycle closes.

5. Use of Open Banking Services

We use Open Banking Services like Plaid and Flinks to collect your Company Data from the Financial Institutions you use. 

When you connect Keep to your account with a Financial Institution using an Open Banking Service by entering your account credentials, you (a) acknowledge and agree that the applicable Open Banking Service’s collection, use, and disclosure of your personal information is subject to the Open Banking Service’s privacy policy (a link to which will be presented to you at the time of linking); and (b) grant Keep and the applicable Open Banking Service the right, power, and authority to use your account credentials to continuously access your account and to transmit to one another the personal information accessed from your account as is reasonably required until you close your Keep account. 

Keep does not control how Open Banking Services use your personal information, and if you do not agree to the collection, use, or disclosure of your personal information described in the applicable Open Banking Service’s privacy policy, you may not open a Keep Account.

Keep will continuously monitor your Linked Accounts data multiple times per day in order to evaluate your account health according to our underwriting criteria and potentially change your Payment Schedule or Credit Limit as required when new data becomes available at our discretion.

6. Data and Privacy

By accepting the terms in this Linked Accounts Agreement or using the Keep Corporate Credit Mastercard®, you consent to the collection, use, disclosure and retention of your personal information by Keep and our service providers for purposes relating to your Application for and use of the Keep Corporate Credit Mastercard® and your use of our services in accordance with the Keep Privacy Policy (