The Ivy Card is a Visa Commercial Credit card issued by Celtic Bank, a Utah-chartered Industrial Bank (Member FDIC). Funding for your Ivy Card is provided by Ivy Growth, Inc., a financial technology company based in the United States. The Ivy Card can only be issued to cardholders who are residents of the United States and who have a verifiable physical U.S. street address (no P.O. Boxes). The Ivy Card can only be used for commercial purposes, and cannot be used for personal, family or household use. No credit decisions are made and the Ivy Card is prepaid with a merchant cash advance, which is a commercial purchase-and-sale agreement of a future amount of wages, executed between you, the end user, and Ivy Growth, Inc. By accepting the Ivy Card after being approved for a cash advance, you agree that you understand the terms of the merchant cash advance agreement and that you will abide by those terms and by the terms of use of the Ivy Card service.