ON 1/16/18 PORTIONS OF OUR ONLINE BANKING & MOBILE SERVICE DISCLOSURE WERE UPDATED. IF INTERESTED, PLEASE REVIEW THE MOBILE CHECK ENDORSEMENT AND INACTIVITY SECTIONS FOR DETAILS.
This Online & Mobile Banking Service Agreement and Disclosure describes your rights and obligations as a user of Sun Federal’s Online and Mobile Banking Service, (the “Service”) and the rights and obligations of Sun Federal Credit Union (the “Agreement”).
Please read this entire Agreement carefully before using the Service. We recommend that you print a paper copy of this Agreement and any communication you receive from Sun Federal and retain a copy for your records.
You agree to comply with all terms and conditions of this Agreement. You must have an Eligible Account and a valid and up-to-date e-mail address in order to use the Service. We may, at any time, and at our sole discretion, make changes to the Service and to this Agreement, provided that we will give you prior notice of any changes, as may be required by applicable laws and regulations. Use of the Service after any such changes, constitutes your agreement to the changes.
A. Online Banking
You understand and agree that, in order to provide the Service, it is necessary for us to access third party websites and databases containing information regarding you and/or your accounts (collectively, the “Databases”) to retrieve information as requested or authorized by you. By using the Service, you agree to authorize us to access such Databases to retrieve such Content as requested or authorized by you, or for any other purpose consistent with this Agreement.
B. Mobile Banking
C. Mobile Check Deposit
With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule.
You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.
o We believe a check you deposit will not be paid.
o You deposit checks totaling more than $5,000.00 on any one day.
o You have overdrawn your account repeatedly in the last six (6) months.
o There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
You are responsible for any and all telephone access fees or Internet service fees that may be assessed by your telephone and/or Internet service provider.
E. eStatements and eNotices
G. Bill Payment
H. Online Credit Card Services
I. Error Resolution
In the event of a dispute regarding the Service, you and Sun Federal agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Sun Federal which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Sun Federal relating to the subject matter of this Agreement. In the event of a conflict between the terms of this Agreement and any verbal representation or interpretation by one of our employees, the terms of this written Agreement shall control.
In case of errors or questions about any of your electronic transactions, or if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt, contact us no later than 60 days after we sent the FIRST statement on which the problem or error.
J. LIMITATION OF LIABILITY.
This Agreement sets forth our entire liability and your exclusive remedy. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF ANY ONLINE AND MOBILE BANKING SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT AS OTHERWISE REQUIRED BY LAW.
We shall not be responsible for any loss or damage caused by our Online and Mobile Banking Service. Nor shall we be responsible for any late fees, direct, indirect or consequential damages arising from the use or maintenance of these Services. Services are provided “as is” without any warranty of any kind, either expressed or implied, including but not limited to the implied warranties of fitness for a particular purpose or warranties of merchantability
K. Financial Information
ou must inform us immediately of any material change in your financial circumstances or in any of the information provided in your Account Application or within Online and Mobile Banking Service Agreements. You agree to provide us any financial information we reasonably request and authorize us to review your credit history from time to time during the term of this Agreement.