VIRTUAL BRANCH SERVICESTERMS AND CONDITIONS The following terms and conditions govern the manner in which Unilever Federal Credit Union (we, us, our) will provide PC Virtual Branch Services to you: Virtual Branch Member Service Information You can have access to our Internet banking service 24 hours a day, 7 days a week. You can speak with a Customer Service representative from 8:00 AM to 4:00 PM Monday through Friday (EST). In New Jersey: 201 894 7463 Outside of New Jersey (toll-free): 800 975 3328 Electronic Mail can be sent to: http://www.unileverfcu.org/ Mail may also be addressed to: Unilever Federal Credit Union PO Box 1112 Englewood Cliffs, NJ 07632 Services You must have an active Unilever Federal Credit Union account. You authorize us to utilize Summit Information Systems to provide the Services to You on Our behalf. We reserve the right to refuse to make any payment and/or transfer. Limitations Under no circumstances will we be liable if we are unable to complete any payments and/or transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:
WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE, OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT OR SOFTWARE, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE/BROCHURE RELATED TO THE SERVICES. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD. Statements All payments and/or transfers made via the Services will be listed on your monthly account statements (Statement) that you receive from us. New Services We may, from time to time, introduce new services or enhance the existing Services. We shall notify you of the existence of these new or enhanced services. By using these services when they become available, you agree to be bound by the obligations concerning these services, which will be sent to you. Care of Your Security Code and Security You agree that you will not give your Services security code (Security Code) or make it available to any other person. If you believe that your Security Code has been lost or stolen, or that someone has made payments and/or transfers using your Security Code without your permission, notify us IMMEDIATELY by phone any time during Member Service hours or send an electronic message through the Service. Your Liability for Unauthorized Payments If you believe that your Security Code has been lost or stolen, notify us IMMEDIATELY as provided above in order to keep your possible losses down. If you notify us within two (2) Business Days after you learn of the loss or theft, your maximum liability is $50.00. If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Security Code, and we can prove that we could have prevented someone from using your Security Code if you had told us in time, your maximum liability is $ 500.00. If your Statement contains payments and/or transfers that you did not make, notify us IMMEDIATELY. If you do not notify us within sixty (60) days after the Statement was mailed to you, you may not get back any of the money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a hospital stay or a long trip) prevented you from telling us, we may at our discretion, extend the time. Errors and Questions Contact us as soon as possible at either the address or telephone number described above if you think that a payment and/or transfer listed on your statement is in error or if you need more information about a payment and/or transfer listed on the Statement. We must hear from you no later than sixty (60) days after you received the first Statement on which the problem or error appeared. When you call or write us, you must:
If we decide that there was no error, we will mail or transmit to you a written explanation within three (3) Business Days after we have completed the investigation, and within ten (10) Business days of the date of such explanation, we will debit your account of the amount previously re-credited to you for use during the time we took to complete our investigation. You may ask for copies of documents used during our investigation. Disclosure of Account Information to Third Parties We will only disclose information to third parties about your Accounts:
Charges You will be charged fees for the Services in accordance to those disclosed in the Fee Schedule. (Our current fee schedule can always be accessed on our home page at http://www.unileverfcu.org/). Service charges will be paid from a designated Account. In the event of your failure to timely pay us, you authorize us to effect automatic payment from one of your Accounts by electronic, paper or other draft means. In the event we are unable to process a Services transaction; (if, for example, there are insufficient funds in your designated Accounts) the transaction will result in a “Failed Payment and/or Transfer." In such event, we will charge the total cost of the transaction, including any service charges, to you. In the event of repetitive Failed Payment and/or Transfer, we reserve the right to suspend your subscription to the Services. This suspension may be without prior notice to you. If your subscription is suspended, transactions which were previously initiated may still continue to be processed (unless canceled) and confirmation of such cancellation is provided as specified below. Suspension will be handled by Member Service and all inquiries and correspondence relating thereto including requests for reinstatement should be directed to Internet Banking Member Service. In the event your subscription is suspended, we will notify you by mail to your listed address. Fee Schedule You agree to pay us the fees to be published by us from time to time. (Our current fee schedule can always be accessed on our home page at http://www.unileverfcu.org/). Additional Terms and Conditions
BE SURE TO CANCEL ALL OUTSTANDING PAYMENT AND/OR TRANSFER ORDERS WITHIN THE 30 DAY NOTIFICATION PERIOD. WE WILL NOT BE LIABLE FOR PAYMENTS AND/OR TRANSFERS NOT CANCELLED OR MADE DUE TO YOUR ACTIONS RELATED TO SERVICE TERMINATION.
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