Harborstone Credit Union June 2015 Online Banking and Bill Pay Services Terms and Conditions

Size: px
Start display at page:

Download "Harborstone Credit Union June 2015 Online Banking and Bill Pay Services Terms and Conditions"

Transcription

1 Intrductin This agreement is the cntract that cvers yur and Harbrstne Credit Unin s rights and respnsibilities cncerning Online Banking, Online Bill Pay ( Bill Pay ), and Electrnic Statement ( estatement ) services ffered t yu by Harbrstne Credit Unin ( Credit Unin ). In this agreement, the wrds yu and yurs refer t thse wh submit an Online Banking authrizatin frm and any authrized users. The wrd accunt means any ne r mre share accunts yu have with the Credit Unin. By submitting yur nline authrizatin t use the Online Banking service, yu agree t the fllwing terms gverning yur and the Credit Unin s rights and respnsibilities cncerning the Online Banking electrnic funds transfer ( EFT ) services. EFTs are electrnically initiated Online Banking and Bill Pay transactins invlving yur depsit accunts. Online Banking Services Upn apprval, yu may use yur persnal cmputer t access yur accunts. Yu must use yur member number alng with yur security cde t access yur accunts. The Online Banking service is accessible seven (7) days a week, 24 hurs a day. Hwever, frm time t time, sme r all f Harbrstne s Online Banking services may nt be available due t system maintenance. During such times, yu may use Telephne Banking at (253) r r visit ne f the Credit Unin s branches. Yu will need a persnal cmputer and a web brwser. The link t the Credit Unin s Online Banking service can be fund at Harbrstne.cm. Yu are respnsible fr the installatin, maintenance, and peratin f yur cmputer and Internet cnnectin. The Credit Unin will nt be respnsible fr any errrs r failures invlving any Internet cnnectin r yur cmputer. At the present time, yu may use the Online Banking service t: Transfer funds between yur savings, checking, and mney market accunts. Transfer funds frm yur checking r savings accunt t a lan accunt. Review accunt balance and/r transactin histry fr checking, savings, mney market, certificate, and IRA accunts. Review infrmatin n yur lan accunts, including balance infrmatin, interest rates, scheduled payment amunts, and next payment due dates. Make bill payments frm yur checking accunt using the ptinal Bill Pay service. Transactins invlving yur depsit accunts will be subject t the terms f yur membership and accunt agreement, and transactins invlving a lan r line f credit accunt will be subject t yur lan agreement and disclsures, as applicable. Online Banking Service Limitatins The fllwing limitatins n Online Banking transactins may apply: Transfers. Yu may make funds transfers t yur ther accunts as ften as yu like. Hwever, yu are limited t a ttal f six (6) electrnic transfers frm yur savings r mney market accunts in any ne mnth. Yu may transfer r withdraw up t the available balance in yur accunt r up t the available credit limit n a line f credit at the time f the transfer, except as limited under this agreement Page 1 f 8

2 r yur depsit r lan agreements. The Credit Unin reserves the right t refuse any transactin that wuld draw upn insufficient r unavailable funds, lwer an accunt belw a required balance, r therwise require the Credit Unin t increase its required reserve n the accunt. The Credit Unin may set ther limits n the amunt f any transactin, and yu will be ntified f thse limits. Accunt Infrmatin. The accunt balance and transactin histry infrmatin may be limited t recent accunt infrmatin invlving yur accunts. Als, the availability f funds fr transfer r withdrawal may be limited due t the prcessing time fr any ATM depsit transactins and the Credit Unin s funds availability plicy. . Yu may use yur service t send messages t the Credit Unin. may nt, hwever, be used t initiate a transfer n yur accunt r a stp-payment request. T place a stp payment, yu can use the Secure Frm link under the Additinal Services tab inside Online Banking. T make a transfer between accunts, yu can use the Accunt Transfer link, which is under the Mve Mney tab inside Online Banking. The Credit Unin may nt immediately receive cmmunicatins that yu send, and the Credit Unin will nt take actin based n requests until the Credit Unin actually receives yur message and has a reasnable pprtunity t act. If yu need t cntact the Credit Unin immediately regarding an unauthrized transactin, yu may call the Credit Unin at the telephne numbers set frth in the Member Liability sectin belw. Bill Pay Service. When yu apply fr the Bill Pay service, yu must designate yur Credit Unin checking accunt as the accunt frm which authrized payments will be deducted. If yur applicatin fr Bill Pay service is apprved, yu will be given the ability t set up merchants, institutins, r individuals yu wuld like t pay. Yu are nt permitted t designate gvernmental agencies r curts. The Credit Unin reserves the right t nt allw the designatin f a particular merchant r institutin. Yu r any persns yu have authrized t use yur Bill Pay service, Online Banking service, sign-n passwrd, r any access cde can perfrm the fllwing transactins: Pay any designated merchant, institutin, r individual in accrdance with this agreement a fixed recurring amunt r a variable amunt n demand frm yur designated Credit Unin checking accunt. Obtain infrmatin (payee infrmatin, payment status infrmatin, etc.) abut yur Bill Pay accunt status. Bill Pay Transactins. Yu authrize the Credit Unin t prcess bill payments frm yur designated accunt. Yu may use the Bill Pay service t initiate three different types f payment transactins: On demand payments are payments that are nt recurring. The payments can be canceled r changed thrugh Bill Pay up until midnight befre yur scheduled debit date. Future payments are payments that yu initiate by setting the payment amunt and due date. The payments can be canceled r changed thrugh Bill Pay up until midnight befre the scheduled debit date. Recurring payments are payments that are recurring n a fixed due date and at a fixed amunt. Yu have an ptin in the Bill Pay system t set autmatic payments t cntinue indefinitely r until a set maturity date. The payment can be canceled r changed thrugh Bill Pay up until midnight befre the scheduled debit date. Page 2 f 8

3 Authrized Payments. When yu transmit a bill payment instructin t the Credit Unin, yu authrize the Credit Unin t transfer funds t make the bill payment transactin frm yur designated checking accunt. The Credit Unin will prcess bill payment transfer requests nly t thse payees the Credit Unin has designated in its user instructins and such payees as yu authrize and fr whm the Credit Unin has the prper payee cde number. The Credit Unin will nt prcess any bill payment transfer if it knws the required transactin infrmatin is incmplete. In any event, the Credit Unin will nt be liable fr any transactin that cntains incrrect infrmatin the Credit Unin was nt respnsible fr entering r knwing. If there are insufficient funds in yur accunt t make the bill payment request, the Credit Unin may refuse t make the payment, make the payment and transfer funds frm any verdraft prtectin accunt yu have established, r make the payment and thereby verdraw the payment accunt. In any event that yu have insufficient funds in yur payment accunt t make the bill payment request, yu are respnsible fr any nnsufficient funds ("NSF") r verdraft charges the Credit Unin may impse. Yu are als respnsible fr any NSF charges, finance charges, and/r late fees impsed by the bill payment prvider and/r the merchant(s) yu intended t pay with yur bill payment accunt. The Credit Unin reserves the right t refuse t prcess payment instructins that reasnably appear t the Credit Unin t be fraudulent r errneus. Prcessing Payments. The amunt f yur requested bill payments will be deducted frm yur accunt n the scheduled debit date and will be psted within tw business days f the date the payment is transmitted t the payee. Yu will receive a cnfirmatin number at the time f each transactin. Therefre, yu must have sufficient funds available t cver yur payment n the scheduled initiatin date. Bill payments are delivered t the payee either electrnically, which may take up t three business days frm the scheduled debit date, r by check (t thse payees nt set up t accept electrnic payments), which may take up t five business days frm the scheduled debit date. It is yur respnsibility t schedule yur bill payments in such a manner that yur bligatins will be paid n time. Yu shuld enter and transmit yur bill payment instructins at least five (5) business days befre a bill is due. If yu d nt allw sufficient time, yu assume full respnsibility fr any late payments r finance charges that may be impsed as a result f yur failure t transmit a timely bill payment authrizatin. Canceling r Changing Bill Payments. Payments designated as n demand transactins cannt be stpped, canceled, r changed nce yur Bill Pay sessin has ended. Yu may cancel r stp payment n future and recurring bill payment instructins under certain circumstances by fllwing the instructins prvided. If yu discver an errr in r want t change a payment instructin (i.e., payment date r payment amunt) fr a bill payment yu have already scheduled fr transmissin thrugh the Bill Pay service, yu may electrnically edit r cancel yur payment request thrugh the Bill Pay service. Yur cancellatin request must be entered and transmitted thrugh the Bill Pay service befre the date yu have scheduled fr payment. If yur request is nt entered in a timely manner, yu will be respnsible fr the payment. estatement Services By accepting the terms belw, yu agree t receive yur peridic accunt statements nline thrugh the Credit Unin s estatement service frm this pint frward. Yur nline statements may include the peridic accunt and transactin activity fr yur depsit and lan accunts, ntices fr insufficient funds r certificate maturity and ther similar accunt ntices, year-end tax statements fr dividends earned and mrtgage interest paid, and any disclsures. Yu als agree t receive any ntices and disclsures required by regulatin, such as Page 3 f 8

4 changes in yur accunt terms and yur annual privacy plicy, which will be made available thrugh the estatement cnsle. The Credit Unin will send yu an whenever yur mnthly statement, accunt ntice, r tax frm is available fr review. Once yu receive the , yu can access yur statement by lgging in t Online Banking and clicking n the estatements link under the Additinal Services tab. Yu will need Adbe Acrbat Reader sftware t read yur statements, which can be dwnladed at n charge frm the estatement registratin screen. Yu will be able t access, dwnlad, and print yur statements and ther dcuments nline fr a perid f 12 mnths. A statement cpy/accunt histry printut fee may apply fr requests beynd the 12-mnth perid. Yu have the right t request and receive yur statements and ther dcuments in paper frm, and yu may withdraw yur cnsent t receive estatements at any time. T d this, click n the estatements link, then select "Change Registratin Infrmatin," and then click the link t discntinue accunts. Select the accunt(s) yu wish t discntinue, and click "Submit. There are n fees r accunt restrictins fr chsing t withdraw yur cnsent fr estatements. Please nte that there may be a delay in prcessing estatement registratins fr new Online Banking members. Please allw up t tw business days after jining Online Banking befre changing yur estatement registratin. There may als be a delay in prcessing estatement infrmatin at the end f a business mnth. If yu register fr estatements during the last three business days f the mnth, yu may receive yur next statement in paper frm. Future statements will be received electrnically. Security f Access Cde Initial Access. After yu have successfully cmpleted and submitted the Online Banking Registratin Frm, a representative frm the Credit Unin will cntact yu t initiate yur use f the service via . After yu have successfully accessed the Online Banking service, yu will then select a specific, persnal passwrd t access the Online Banking service fr future access t the system. After yur initial sign-n, yu may change yur passwrd at any time by selecting the apprpriate functin frm the user ptins menu within the Online Banking service. Fr Bill Pay Service. Apprximately three (3) business days after yur applicatin fr Bill Pay service has been received, reviewed, and apprved by the Credit Unin, yu will be able t access yur Bill Pay service thrugh the Online Banking service; therefre, yu will enter a passwrd t sign n t the Online Banking service as described abve (see Initial Access ), then click n the Bill Pay tab lcated at the tp f the screen. Security. The persnal identificatin number, r access cde, that yu select is fr yur security purpses. The access cde is cnfidential and shuld nt be recrded r disclsed t third parties. Yu are respnsible fr the safekeeping f yur access cde. Yu agree nt t disclse r therwise make yur access cde available t anyne nt authrized by yu t sign n t yur accunts. If yu authrize anyne t have r use yur access cde, yu understand that persn may use the Online Banking service t review all f yur accunt infrmatin and make accunt transactins. Therefre, the Credit Unin is entitled t act n transactin instructins received using yur access cde, and yu agree that the use f yur access cde will have the same effect as yur signature authrizing transactins. Page 4 f 8

5 Authrizatin. If yu authrize anyne t use yur access cde in any manner that authrity will be cnsidered unlimited in amunt and manner until yu specifically revke such authrity by ntifying the Credit Unin and by changing yur access cde immediately. Yu are respnsible fr any transactins made by such persns until yur access cde is changed and yu ntify the Credit Unin that transactins and access by that persn are n lnger authrized. If yu fail t maintain r change the security f these access cdes and the Credit Unin suffers a lss, the Credit Unin may terminate yur electrnic funds transfer and accunt services immediately. Apple Tuch ID fr iphne. Tuch ID allws yu t use yur fingerprint, instead f entering yur username and passwrd, t lg in securely. Available nly n iphne 5s, iphne 6, and iphne 6 Plus devices with ios 8. Fingerprints are stred nly n yur device. In additin, they are encrypted with a key that is accessible nly t the device, ffering an verall secure means t access sensitive financial infrmatin. N need t wrry abut stlen passwrds. Yur username and passwrd will nt be stred n yur device. The Credit Unin des nt see r stre yur fingerprint infrmatin. By enabling Tuch ID, every persn with an enrlled fingerprint n yur device will have access t yur Credit Unin accunts. Review the enrlled fingerprints t make sure that each persn is authrized t access the persnal and financial infrmatin available in the app. Fr infrmatin n hw Apple prtects yur fingerprint and data, please see Apple's privacy plicy and ios security guides. Member Liability Yu are respnsible fr all transfers yu authrize using the Online Banking service under this agreement. If yu permit ther persns t use yur access cde, yu are respnsible fr any transactins they authrize r cnduct n any f yur accunts. Hwever, ntify the Credit Unin at nce if yu believe anyne has used yur access cde and accessed yur accunts withut yur authrity. Telephning is the best way f keeping yur pssible lsses dwn. Fr Online Banking transactins, if yu ntify the Credit Unin within tw (2) business days, yu can lse n mre than $50 if smene accessed yur accunt withut yur permissin. If yu d nt ntify the Credit Unin within tw (2) business days after yu learn f the unauthrized use f yur accunt r access cde and the Credit Unin can prve that it culd have stpped smene frm accessing yur accunt withut yur permissin if yu had ntified the Credit Unin, yu culd lse as much as $500. Als, if yur paper statement shws Online Banking transfers that yu did nt make, ntify the Credit Unin at nce. If yu d nt ntify the Credit Unin within sixty (60) days after the statement was mailed t yu, yu may be liable the full amunt f the lss if the Credit Unin can prve that it culd have stpped smene frm making the unauthrized EFT transactins. If a gd reasn (such as a hspital stay) keeps yu frm ntifying the Credit Unin, it may extend the time perids. If yu believe that yur access cde has been lst r stlen r that smene has transferred r may transfer mney frm yur accunt withut yur permissin, call (253) r , r write Harbrstne Credit Unin, Attn: Online Member Service, P.O. Bx 4207, Tacma, WA Business Days The Credit Unin s business days are Mnday thrugh Friday. Hlidays are nt included. Fees and Charges The Online Banking service is free fr members. Page 5 f 8

6 The Bill Pay service is free fr all members. There are currently n charges fr Online Banking and Bill Pay services. Frm time t time, the charges may be changed. We will ntify yu f any changes, as required by law. Transactin Dcumentatin Transfers, mbile check depsits, and withdrawals transacted thrugh Online Banking will be recrded n yur mnthly/quarterly peridic statements. Accunt Infrmatin Disclsure The Credit Unin will maintain the cnfidentiality and privacy f yur accunt infrmatin in accrdance with its privacy plicy as stated n the Credit Unin s website at Harbrstne.cm; hwever, the Credit Unin will disclse infrmatin t third parties abut yur accunt r the transfers yu make in the fllwing limited circumstances: As necessary t cmplete transfers. T verify the existence f sufficient funds t cver specific transactins upn the request f a third party, such as a credit bureau r merchant. T cmply with gvernment agency r curt rders. If yu give the Credit Unin yur express permissin. Limitatin f Liability fr Online Banking Services If the Credit Unin des nt cmplete a transfer t r frm yur accunt n time r in the crrect amunt accrding t its agreement with yu, the Credit Unin will be liable fr yur lsses r damages. The Credit Unin s sle respnsibility fr an errr in a transfer will be t crrect the errr. Yu agree that neither the Credit Unin nr the service prviders shall be respnsible fr any lss, prperty damage, r bdily injury, whether caused by the equipment, sftware, Credit Unin, Internet brwser prviders, Internet access prviders, nline service prviders, r agents r subcntractrs f any f the freging. Nr shall the Credit Unin r the service prviders be respnsible fr any direct, indirect, special, r cnsequential ecnmic r ther damages arising in any way ut f the installatin, dwnlad, use, r maintenance f the equipment, sftware, Online Banking service, Bill Pay service, Internet brwser, r access sftware. In this regard, althugh the Credit Unin has taken measures t prvide security fr cmmunicatins frm yu t the Credit Unin via the Online Banking and Bill Pay services and may have referred t such cmmunicatins as secured, the Credit Unin cannt and des nt prvide any warranty r guarantee f such security. In states that d nt allw the exclusin r limitatin f such damages, the Credit Unin s liability is limited t the extent permitted by applicable law. The Credit Unin will nt be liable fr the fllwing: If, thrugh n fault f the Credit Unin, yu d nt have enugh mney in yur accunt t make the transfer, yur accunt is inactive, r the transfer wuld g ver the credit limit n yur line f credit, if applicable. If yu used the wrng access cde r have nt prperly fllwed any applicable cmputer r Credit Unin user instructins fr making transfer and Bill Pay transactins. If yur cmputer fails r malfunctins r the phne lines r Credit Unin cmputer system were nt prperly wrking and such prblem shuld have been apparent when yu attempted such transactin. Page 6 f 8

7 If circumstances beynd the Credit Unin s cntrl (such as fire, fld, telecmmunicatin utages r strikes, equipment r pwer failure) prevent making the transactin. If the funds in yur accunt are subject t an administrative hld, legal prcess, r ther claim. If yu have nt given the Credit Unin cmplete, crrect, and current instructins s that it can prcess a transfer. If, thrugh n fault f the Credit Unin, a Bill Pay r funds transfer transactin des nt reach a particular payee due t changes in payee address, accunt number, r therwise; the time yu allwed fr payment delivery was inaccurate; r the payee failed t prcess a payment crrectly r in a timely manner and a fee, a penalty, r interest is assessed against yu. If the errr was caused by a system beynd the Credit Unin s cntrl, such as a telecmmunicatins system, an Internet service prvider, a cmputer virus, r a prblem related t sftware nt prvided by the Credit Unin. If there are ther exceptins as established by the Credit Unin. Terminatin f Online Banking and/r Bill Pay Services Yu agree that the Credit Unin may terminate this agreement and yur Online Banking service if yu, r any authrized user f yur Online Banking service r access cde, breach this r any ther agreement with the Credit Unin; if the Credit Unin has reasn t believe that there has been an unauthrized use f yur accunts r access cde; if yu cnduct r attempt t cnduct any fraudulent, illegal, r unlawful transactin; r if the Credit Unin reasnably believes yur accunt cnduct pses an undue risk f illegality r unlawfulness. In additin, the Credit Unin reserves the right t terminate yur Online Banking and/r Bill Pay services if yu fail t use the services fr mre than 90 cnsecutive calendar days, and there will be a $6 recnnectin fee fr Online Banking and/r Bill Pay services that have been previusly terminated. Yu r any ther party t yur accunt can terminate this agreement by ntifying the Credit Unin in writing. Terminatin f service will be effective the first business day fllwing receipt f yur written ntice. Terminatin f this agreement will nt affect the rights and respnsibilities f the parties under this agreement fr transactins initiated befre terminatin. Ntices The Credit Unin reserves the right t change the terms and cnditins upn which this service is ffered. The Credit Unin will ntify yu at least twenty-ne (21) days befre the effective date f any change, as required by law. This means the Credit Unin will mail yu ntice r, if yu have cnsented t electrnic disclsures, will send it t the address yu have designated. Use f this service is subject t existing regulatins gverning the Credit Unin accunt and any future changes t thse regulatins. Statement Errrs In case f errrs r questins abut yur Online Banking transactins, cntact the Credit Unin by telephne, by , r in writing as sn as yu can. (Cntact infrmatin is set frth in the Member Liability sectin abve.) The Credit Unin must hear frm yu n later than sixty (60) days after it sends the first statement n which the errr appears. Give the Credit Unin yur name and member/accunt number. Page 7 f 8

8 Describe the transactin yu are unsure abut, and explain as clearly as yu can why yu believe it is an errr r why yu need mre infrmatin. Tell the Credit Unin the dllar amunt f the suspected errr. If yu ntify the Credit Unin verbally, it may require that yu send yur cmplaint r questin in writing within ten (10) business days. The Credit Unin will infrm yu f the results f its investigatin within ten (10) business days after hearing frm yu and will crrect any errr prmptly. Fr errrs related t transactins ccurring within thirty (30) days after the first depsit t the accunt (new accunts), the Credit Unin will infrm yu f the results f its investigatin within twenty (20) business days. If the Credit Unin needs mre time, hwever, it may take up t frty-five (45) calendar days t investigate yur cmplaint r questin, r it may take up t ninety (90) calendar days fr new accunt transactin errrs r errrs invlving transactins initiated utside the United States. If the Credit Unin des this, it will credit yur accunt within ten (10) business days fr the amunt yu think is in errr s that yu will have use f the mney during the time it takes the Credit Unin t cmplete its investigatin. If the Credit Unin requests that yu put yur cmplaint r questin in writing and des nt receive it within ten (10) business days, the Credit Unin may nt credit yur accunt. If the Credit Unin decides after its investigatin that an errr did nt ccur, the Credit Unin will deliver r mail t yu an explanatin f its findings within three (3) business days after the cnclusin f its investigatin. If yu request, the Credit Unin will prvide yu cpies f the dcuments (t the extent pssible withut vilating ther members rights t privacy) relied upn t cnclude that the errr did nt ccur. Other General Terms Other Agreements. In additin t this agreement, yu agree t be bund by and will cmply with all terms and cnditins applicable t yur relatinship with the Credit Unin, as described in yur Credit Unin membership and accunt agreement, prir receipt f which yu acknwledge. Severability. In the event that any prtin f this agreement is held by a curt t be invalid r unenfrceable fr any reasn, the remainder f this agreement shall nt be invalid r unenfrceable and will cntinue in full frce and effect. All headings are intended fr reference nly and are nt t be cnstrued as part f the agreement. Enfrcement Yu agree t be liable t the Credit Unin fr any liability, lss, r expense as prvided in this agreement that the Credit Unin incurs as a result f any dispute invlving yur accunts r services. Yu authrize the Credit Unin t deduct any such liability, lss, r expense frm yur accunt withut prir ntice t yu. This agreement shall be gverned by and cnstrued under Washingtn State laws as applied t cntracts entered int slely between residents f, and t be perfrmed entirely in, such state. In the event either party brings a legal actin t enfrce the agreement r cllect any verdrawn funds n accunts accessed under this agreement, the prevailing party shall be entitled, subject t Washingtn State law, t payment by the ther party f its reasnable attrney s fees and csts, including fees n any appeal, bankruptcy prceedings, and pst-judgment cllectin actins, if applicable. Shuld any ne r mre prvisins f this agreement be determined illegal r unenfrceable in any relevant jurisdictin, then such prvisin shall be mdified by the prper curt, if pssible, but nly t the extent necessary t make the prvisin enfrceable, and such mdificatin shall nt affect any ther prvisin f this agreement. Page 8 f 8

Columbine Federal Credit Union ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE

Columbine Federal Credit Union ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE Clumbine Federal Credit Unin ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE 1. Online Banking/Bill Payment 2. Online Banking/ Bill Payment Limitatins 3. Online Bill Payment

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet

More information

Bill Payment Agreement & Disclosures

Bill Payment Agreement & Disclosures Bill Payment Agreement & Disclsures Welcme t Online Banking Bill Payment Service. Use f the Bill Payment Service indicates acceptance f terms and cnditins set frth in the Online Banking Agreement & Disclsures

More information

Internet Banking Agreement and Disclosure Statement

Internet Banking Agreement and Disclosure Statement Internet Banking Agreement and Disclsure Statement This agreement cntains the terms and cnditins that gvern accessing r using Internet Banking (NetTeller), Bill Payment Services, Mbile Banking and On Demand

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electrnic Funds Transfer Agreement is the cntract which cvers the respnsibilities cncerning the electrnic funds transfer ( EFT ) services ffered

More information

Consumer ebanking Account and Services Agreement

Consumer ebanking Account and Services Agreement Cnsumer ebanking Accunt and Services Agreement Intrductin: As used in this agreement, the wrds yu and yur refer t the accunt hlder(s) and the wrds Bank, us, and we refer t CnnectOne Bank. Cnsumer ebanking:

More information

ONLINE BANKING & BILL PAY DISCLOSURE

ONLINE BANKING & BILL PAY DISCLOSURE ONLINE BANKING & BILL PAY DISCLOSURE ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT FOR ONLINE BANKING AND BILL PAYMENT In the fllwing Agreement, the wrds "Yu" and "Yur" mean each and all f thse wh are wners

More information

UICCU Online Banking Customer Agreement

UICCU Online Banking Customer Agreement UICCU Online Banking Custmer Agreement I. Intrductin II. Accessing Yur UICCU Accunts Thrugh Online Banking III. Web Site Terms and Cnditins IV. Online Banking/Bill Paying Terms and Cnditins a. General

More information

Internet Banking Agreement & Disclosure

Internet Banking Agreement & Disclosure Internet Banking Agreement & Disclsure Please read this agreement carefully befre cntinuing. Intrductin This Internet Banking Agreement and Disclsure gverns yur use f Internet Banking. Thrughut this web

More information

Online Banking Terms and Conditions (Agreement)

Online Banking Terms and Conditions (Agreement) Online Banking Terms and Cnditins (Agreement) The Online Banking Agreement ("Agreement") describes yur rights and bligatins as a user f the Online Banking services ("Service"). It als describes the rights

More information

New Jersey Community Bank Print Date : 04-10-2015 -

New Jersey Community Bank Print Date : 04-10-2015 - New Jersey Cmmunity Bank Print Date : 04-10-2015 - Online Banking Agreement NEW JERSEY COMMUNITY BANK The fllwing infrmatin represents the Online Banking Agreement between yu and New Jersey Cmmunity Bank.

More information

Simmons First Bank Anywhere for Individual

Simmons First Bank Anywhere for Individual Simmns First Bank Anywhere fr Individual THIS FORM CAN ALSO BE COMPLETED ONLINE www.simmnsfirst.cm/nline Print ff, cmplete and sign the enrllment frm. Send just the enrllment frm t: 1. Mail the cmpleted

More information

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS APPENDIX A FORM ADV (Paper Versin) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS Frm ADV: General Instructins Read these instructins carefully befre

More information

Plus500CY Ltd. Statement on Privacy and Cookie Policy

Plus500CY Ltd. Statement on Privacy and Cookie Policy Plus500CY Ltd. Statement n Privacy and Ckie Plicy Statement n Privacy and Ckie Plicy This website is perated by Plus500CY Ltd. ("we, us r ur"). It is ur plicy t respect the cnfidentiality f infrmatin and

More information

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc.

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc. HIPAA Ntice f Privacy Practices Central Ohi Surgical Assciates, Inc. THIS NOTICE OF PRIVACY PRACTICES (THE NOTICE ) DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN

More information

First Global Data Corp.

First Global Data Corp. First Glbal Data Crp. Privacy Plicy As f February 23, 2015 Ding business with First Glbal Data Crp. ("First Glbal", First Glbal Mney, "we" r "us", which includes First Glbal Data Crp. s subsidiary, First

More information

FAFSA / DREAM ACT COMPLETION PROGRAM AGREEMENT

FAFSA / DREAM ACT COMPLETION PROGRAM AGREEMENT FAFSA / DREAM ACT COMPLETION PROGRAM AGREEMENT If using US Pstal Service, please return t: Califrnia Student Aid Cmmissin Prgram Administratin & Services Divisin ATTN: Institutinal Supprt P.O. Bx 419028

More information

BANCO PICHINCHA, C.A., MIAMI AGENCY INTERNET BANKING AGREEMENT

BANCO PICHINCHA, C.A., MIAMI AGENCY INTERNET BANKING AGREEMENT BANCO PICHINCHA, C.A., MIAMI AGENCY INTERNET BANKING AGREEMENT In cnsideratin fr being granted access t, and use f Banc Pichincha C.A. Miami Agency s Internet Banking Services (the BPMA Internet Services

More information

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy.

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy. Privacy Plicy The Central Equity Grup understands hw highly peple value the prtectin f their privacy. Fr that reasn, the Central Equity Grup takes particular care in dealing with any persnal and sensitive

More information

MOBILE BANKING AND MOBILE DEPOSIT SERVICE AGREEMENT

MOBILE BANKING AND MOBILE DEPOSIT SERVICE AGREEMENT MOBILE BANKING AND MOBILE DEPOSIT SERVICE AGREEMENT Please read this agreement. It cntains imprtant infrmatin abut Mbile Banking and Mbile Depsit Services. Yu shuld save r print a cpy f this agreement

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

CENTURIC.COM ONLINE DATA BACKUP AND DISASTER RECOVERY SOLUTION ADDENDUM TO TERMS OF SERVICE

CENTURIC.COM ONLINE DATA BACKUP AND DISASTER RECOVERY SOLUTION ADDENDUM TO TERMS OF SERVICE CENTURIC.COM ONLINE DATA BACKUP AND DISASTER RECOVERY SOLUTION ADDENDUM TO TERMS OF SERVICE This Agreement, named the Online Data Backup and Disaster Recvery Slutin Addendum t Centuric s Terms f Service

More information

Capital Bank Individual Online Banking Agreement

Capital Bank Individual Online Banking Agreement What This Agreement Cvers This Agreement between yu and Capital Bank, SSB (Capital Bank) gverns the use f Online Banking services (the Agreement ). These services permit Capital Bank custmers (cnsumers,

More information

Data Protection Policy & Procedure

Data Protection Policy & Procedure Data Prtectin Plicy & Prcedure Page 1 Prcnnect Marketing Data Prtectin Plicy V1.2 Data prtectin plicy Cntext and verview Key details Plicy prepared by: Adam Haycck Apprved by bard / management n: 01/01/2015

More information

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse

More information

DisplayNote Technologies Limited Data Protection Policy July 2014

DisplayNote Technologies Limited Data Protection Policy July 2014 DisplayNte Technlgies Limited Data Prtectin Plicy July 2014 1. Intrductin This dcument sets ut the bligatins f DisplayNte Technlgies Limited ( the Cmpany ) with regard t data prtectin and the rights f

More information

iphone Mobile Application Guide Version 2.2.2

iphone Mobile Application Guide Version 2.2.2 iphne Mbile Applicatin Guide Versin 2.2.2 March 26, 2014 Fr the latest update, please visit ur website: www.frte.net/mbile Frte Payment Systems, Inc. 500 West Bethany, Suite 200 Allen, Texas 75013 (800)

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

Instructions: Bank of America:

Instructions: Bank of America: Instructins: 1. Print ut pages 2 and 3 frm this packet. Cmplete the frms t the best f yur ability. If yu have mre than ne persn that will be an wner n the bank accunts please print ut and cmplete Page

More information

University of Texas at Dallas Policy for Accepting Credit Card and Electronic Payments

University of Texas at Dallas Policy for Accepting Credit Card and Electronic Payments University f Texas at Dallas Plicy fr Accepting Credit Card and Electrnic Payments Cntents: Purpse Applicability Plicy Statement Respnsibilities f a Merchant Department Prcess t Becme a Merchant Department

More information

Westpac Business Online Terms and Conditions

Westpac Business Online Terms and Conditions Westpac Business Online Terms and Cnditins 1. Intrductin These terms and cnditins cntain imprtant infrmatin, including infrmatin abut: use f Westpac Business Online; respnsibility fr prtectin f Security

More information

The information contained in this site is for INFORMATIONAL purposes only and is protected by copyright. We are not providing legal advice.

The information contained in this site is for INFORMATIONAL purposes only and is protected by copyright. We are not providing legal advice. Privacy Plicy Terms f Service: The fllwing terms and cnditins gvern all use f the Rightwaywebhsting.cm website and all cntent, services and prducts available at r thrugh the website (taken tgether, the

More information

Symantec User Authentication Service Level Agreement

Symantec User Authentication Service Level Agreement Symantec User Authenticatin Service Level Agreement Overview and Scpe This Symantec User Authenticatin service level agreement ( SLA ) applies t Symantec User Authenticatin prducts/services, such as Managed

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

Guidelines for Custodians

Guidelines for Custodians Guidelines fr Custdians t assess cmpliance with the Persnal Health Infrmatin Privacy and Access Act (PHIPAA) This dcument is designed t help custdians evaluate readiness fr cmpliance with PHIPAA and t

More information

BUPA DENTAL PLAN A P P L I C AT I O N F O R M

BUPA DENTAL PLAN A P P L I C AT I O N F O R M BUPA DENTAL PLAN A P P L I C AT I O N F O R M Please cmplete all relevant sectins f the frm in BLOCK CAPITALS and BLACK INK and return it t: Cnsumer Partnerships, FPS Dental, Bupa, Willw Huse, Chertsey

More information

Merchant Processes and Procedures

Merchant Processes and Procedures Merchant Prcesses and Prcedures Table f Cntents EXHIBIT C 1. MERCHANT INTRODUCTION TO T-CHEK 3 1.1 Wh is T-Chek Systems? 3 1.2 Hw t Cntact T-Chek Systems 3 1.3 Hw t Recgnize T-Chek Frms f Payment 3 1.3.1

More information

FAQs regarding our system upgrade

FAQs regarding our system upgrade FAQs regarding ur system upgrade 1) Q: Why are yu upgrading yur cre data prcessing system? A: An upgrade is the act f making smething better, such as an imprved experience r a human interactin. At Arsenal

More information

HSBC Online Home Loan Application Process

HSBC Online Home Loan Application Process HSBC Online Hme Lan Applicatin Prcess Versin 1.0 Nvember 2005 Cpyright. HSBC Bank Australia Limited 2005 ALL RIGHTS RESERVED N part f this publicatin may be reprduced, stred in a retrieval system, r transmitted,

More information

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

More information

Scotiabank Group Privacy Agreement

Scotiabank Group Privacy Agreement Sctiabank Grup Privacy Agreement Last revised Octber 2010 Yur privacy is imprtant t Sctiabank. This Agreement sets ut the infrmatin practices fr Sctiabank Grup Members in Canada, including what type f

More information

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013 INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01 Issued: January 02, 2013 Pennsylvania Department f Revenue Guidelines fr Cllectin and Administrative Bank Attachment Required by Act 85 f 2012 Per the Tax

More information

expertise hp services valupack consulting description security review service for Linux

expertise hp services valupack consulting description security review service for Linux expertise hp services valupack cnsulting descriptin security review service fr Linux Cpyright services prvided, infrmatin is prtected under cpyright by Hewlett-Packard Cmpany Unpublished Wrk -- ALL RIGHTS

More information

UNIVERSITY OF WINCHESTER

UNIVERSITY OF WINCHESTER UNIVERSITY OF WINCHESTER INTRODUCTION DEBT MANAGEMENT POLICY: STUDENTS ACADEMIC YEAR 15/16 This dcument sets ut the plicy f the University in relatin t student debt, alng with the debt management prcedures

More information

GUIDANCE FOR BUSINESS ASSOCIATES

GUIDANCE FOR BUSINESS ASSOCIATES GUIDANCE FOR BUSINESS ASSOCIATES This Guidance fr Business Assciates dcument is intended t verview UPMCs expectatins, as well as t prvide additinal resurces and infrmatin, t UPMC s HIPAA business assciates.

More information

Financial Planning Agreement

Financial Planning Agreement Financial Planning Agreement This Financial Planning Agreement, the ( Agreement ), dated as f, 20, is by and between Vulcan Investments LLC, 2100 SuthBridge Pkwy, Suite 650 Birmingham, AL. 35209, an investment

More information

Personal Line of Credit Agreement (May Not Be Available to Residents of All States)

Personal Line of Credit Agreement (May Not Be Available to Residents of All States) Persnal Line f Credit Agreement (May Nt Be Available t Residents f All States) This Agreement and the dcuments listed belw gvern yur Persnal Line f Credit accunt ( Accunt ), which may be drawn upn by using

More information

Privacy and Security Training Policy (PS.Pol.051)

Privacy and Security Training Policy (PS.Pol.051) Privacy and Security Training Plicy (PS.Pl.051) Purpse T define the plicies and prcedures fr prviding privacy and security training in respect f the CnnectingGTA Slutin. Definitins Electrnic Service Prvider

More information

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs We enclse material which sets ut: Letter f Engagement Infrmatin fr clients which lawyers are required by the New Zealand Law Sciety t prvide; and Our standard terms f engagement. Services t be prvided

More information

Online Banking and Transfers Outside Bank of America Service Agreement and Electronic Disclosure

Online Banking and Transfers Outside Bank of America Service Agreement and Electronic Disclosure Online Banking and Transfers Outside Bank f America Service Agreement and Electrnic Disclsure Effective Date: April 7, 2016 Table f Cntents: 1. General Descriptin f Online Banking and Transfers Outside

More information

Office Use Only Account # Approved By:

Office Use Only Account # Approved By: Office Use Only Accunt # Apprved By: Dealer Applicatin Please cmplete and submit this applicatin alng with a cpy f yur (EIN) Federal Tax Id Number certificate befre placing yur 1 st rder. We will review

More information

MDSB. MemberDirect Small Business. User Guide

MDSB. MemberDirect Small Business. User Guide MDSB MemberDirect Small Business User Guide Table f Cntents Small Business Upgrade... 1 Member Lgin... 3 Delegate Manager... 3 Add a Delegate... 4 Edit a Delegate... 6 Reset a Delegate s Access and /r

More information

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES Prject Open Hand Atlanta Effective Date: April 14, 2003 Health Insurance Prtability and Accuntability Act (HIPAA) The Health Insurance Prtability and Accuntability Act f 1996 (HIPAA) directs health care

More information

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS 1. Structure 1.1 When we engage in cfd r spt frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The CFD and Spt Frex Terms deal with matters

More information

CFD and Spot Forex Terms: Deposit Accounts

CFD and Spot Forex Terms: Deposit Accounts CFD and Spt Frex Terms: Depsit Accunts 1. Structure 1.1 When we engage in CFD r Spt Frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The

More information

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released Page 1 f 11 APPROVED (S) REVISED / REVIEWED SUMMARY Versin Date Cmments / Changes 1.0 Initial plicy released 1. PURPOSE OF THIS POLICY T define the purpses fr which Crprate Purchase Cards are t be used

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

State Bank Virtual Card FAQs

State Bank Virtual Card FAQs State Bank Virtual Card FAQs 1) What is State Bank Virtual Card? State Bank Virtual Card is a limit Debit card, which can be created using the State Bank Internet Banking facility fr ecmmerce (nline) transactins.

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

Kentwood Police Department 4742 Walma Ave SE Kentwood, Michigan 49512 (616) 698-6580 http://www.ci.kentwood.mi.us REPORTING IDENTITY THEFT

Kentwood Police Department 4742 Walma Ave SE Kentwood, Michigan 49512 (616) 698-6580 http://www.ci.kentwood.mi.us REPORTING IDENTITY THEFT Kentwd Plice Department 4742 Walma Ave SE Kentwd, Michigan 49512 (616) 698-6580 http://www.ci.kentwd.mi.us REPORTING IDENTITY THEFT If yu are the victim f identity theft and ne f the fllwing cnditins are

More information

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washingtn, D.C. 20549 FORM WB-DEC DECLARATION OF ORIGINAL INFORMATION SUBMITTED PURSUANT TO SECTION 21F OF THE SECURITIES EXCHANGE ACT OF 1934 A. SUBMITTER

More information

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900 MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedfrd MK40 3HZ Telephne: 01234 242900 Please read this dcument carefully as it sets ut the terms n which we agree t act fr ur clients and

More information

Cyber Security: Simulation Platform

Cyber Security: Simulation Platform Service Overview The Symantec Cyber Security: Simulatin Platfrm is a Web hsted Service with immersive and hands-n access t cyber exercises fr ffensive (red team) events, inspired by real-life security

More information

KIK s GUIDE FOR LAW ENFORCEMENT

KIK s GUIDE FOR LAW ENFORCEMENT Thanks fr checking ut ur law enfrcement guide. Kik takes the safety f ur users very seriusly, and we hpe this guide will be a useful tl fr yu. It includes infrmatin abut ur app; the features and functins

More information

Table of Contents. Welcome to Employee Self Service... 3 Who Do I Call For Help?... 3

Table of Contents. Welcome to Employee Self Service... 3 Who Do I Call For Help?... 3 ALABAMA STATE UNIVERSITY HUMAN RESOURCES EMPLOYEE SELF SERVICE USER GUIDE 2 Table f Cntents Welcme t Emplyee Self Service... 3 Wh D I Call Fr Help?... 3 Hw d I access Emplyee Self Service?... 4 Persnal

More information

Norwood Public Schools Internet & Cell Phone Use Agreement School Year 2015-16

Norwood Public Schools Internet & Cell Phone Use Agreement School Year 2015-16 Yu must read and agree t fllw the netwrk rules belw t use yur netwrk accunt r access the internet. Nrwd Public Schls makes available t students access t cmputers and the Internet. Students are expected

More information

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents BRILL s Editrial Manager (EM) Manual fr Authrs Table f Cntents Intrductin... 2 1. Getting Started: Creating an Accunt... 2 2. Lgging int EM... 3 3. Changing Yur Access Cdes and Cntact Infrmatin... 3 3.1

More information

OUR DISCIPLINARY POLICY

OUR DISCIPLINARY POLICY OUR DISCIPLINARY POLICY WHO is this plicy fr? Channel 4 emplyees wh ve passed their prbatinary perid Channel 4 managers This plicy des nt frm part f any emplyee s cntract f emplyment and we may amend it

More information

Systems Support - Extended

Systems Support - Extended 1 General Overview This is a Service Level Agreement ( SLA ) between and the Enterprise Windws Services t dcument: The technlgy services the Enterprise Windws Services prvides t the custmer. The targets

More information

GOVERNORS PHARMACY HIPAA NOTICE OF PRIVACY PRACTICES For Your Protected Health Information

GOVERNORS PHARMACY HIPAA NOTICE OF PRIVACY PRACTICES For Your Protected Health Information GOVERNORS PHARMACY HIPAA NOTICE OF PRIVACY PRACTICES Fr Yur Prtected Health Infrmatin THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS

More information

VCU Payment Card Policy

VCU Payment Card Policy VCU Payment Card Plicy Plicy Type: Administrative Respnsible Office: Treasury Services Initial Plicy Apprved: 12/05/2013 Current Revisin Apprved: 12/05/2013 Plicy Statement and Purpse The purpse f this

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

CSAT Account Management

CSAT Account Management CSAT Accunt Management User Guide March 2011 Versin 2.1 U.S. Department f Hmeland Security 1 CSAT Accunt Management User Guide Table f Cntents 1. Overview... 1 1.1 CSAT User Rles... 1 1.2 When t Update

More information

BridgeValley Community and Technical College Financial Aid Office 2015-2016 Maximum Hour Financial Aid Suspension Appeal Process

BridgeValley Community and Technical College Financial Aid Office 2015-2016 Maximum Hour Financial Aid Suspension Appeal Process BridgeValley Cmmunity and Technical Cllege Financial Aid Office 2015-2016 Maximum Hur Financial Aid Suspensin Appeal Prcess T receive financial aid administered by BridgeValley Cmmunity and Technical Cllege,

More information

o I hereby request a total SURRENDER of my contract/certificate (please enclose).

o I hereby request a total SURRENDER of my contract/certificate (please enclose). Distributin Request Frm Prtective Life Insurance Cmpany (PLICO/"the Cmpany") Prtective Life and Annuity Insurance Cmpany (PLAIC/"the Cmpany") Cntract Owner Custmer Service Office: Cntract Annuitant P.O.

More information

Privacy Policy. What personally identifying information is collected on or through the Frames Data Online Site?

Privacy Policy. What personally identifying information is collected on or through the Frames Data Online Site? Privacy Plicy Welcme t www.framesdata.cm! This site (the Frames Data Online Site ) is wned by Frames Data Inc. ("FDI" r we ), a subsidiary f Jbsn Medical Infrmatin LLC ("JMI") and its parent, Jbsn Healthcare

More information

PRIVACY POLICY Last revised: April 2015

PRIVACY POLICY Last revised: April 2015 PRIVACY POLICY Last revised: April 2015 ACD, LLC, and its affiliates (cllectively, we, us, ur ) understand that privacy is imprtant t ur cnsumers and want yu t make knwledgeable decisins abut the infrmatin

More information

Privacy Breach and Complaint Protocol

Privacy Breach and Complaint Protocol Privacy Breach and Cmplaint Prtcl Effective: December 31, 2012 Apprved by: Le McKenna, CFO 1.0 General Privacy breaches and privacy cmplaints will be handled in accrdance with this prtcl. This prtcl is

More information

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS Only the Ministry f Training, Clleges & Universities can cnsider clearance reviews fr mst ther student restrictin issues. These

More information

Bank switching service - Regulation

Bank switching service - Regulation versin 3.0-1/7/2011 Bank switching service - Regulatin This Regulatin cnstitutes the verall framewrk in which the participating banks in Belgium ffer cnsumers a bank switching service fr current accunts.

More information

What Information Is Collected and How Is It Collected?

What Information Is Collected and How Is It Collected? RCI PRIVACY NOTICE RCI Pacific Pty Ltd is cncerned abut privacy issues and wants yu t be familiar with hw we cllect, use and disclse infrmatin. This Privacy Ntice describes ur practices in cnnectin with

More information

CFD and Spot Forex Terms: Deposit Accounts

CFD and Spot Forex Terms: Deposit Accounts CFD and Spt Frex Terms: Depsit Accunts 1. Structure 1.1 When we engage in CFD r Spt Frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The

More information

SYNCHRONY BANK KEEP FOR YOUR RECORDS RATES AND FEES TABLE CARECREDIT CREDIT CARD ACCOUNT

SYNCHRONY BANK KEEP FOR YOUR RECORDS RATES AND FEES TABLE CARECREDIT CREDIT CARD ACCOUNT SYNCHRONY BANK KEEP FOR YOUR RECORDS RATES AND FEES TABLE CARECREDIT CREDIT CARD ACCOUNT Interest Rates and Interest Charges Annual Percentage Rate (APR) fr Purchases 26.99% Paying Interest Yur due date

More information

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

NYU Langone Medical Center NYU Hospitals Center NYU School of Medicine

NYU Langone Medical Center NYU Hospitals Center NYU School of Medicine Title: Identity Theft Prgram Effective Date: July 2009 NYU Langne Medical Center NYU Hspitals Center NYU Schl f Medicine POLICY It is the plicy f the NYU Langne Medical Center t educate and train staff

More information

STANDARDS OF THE MINNESOTA LEMON LAW

STANDARDS OF THE MINNESOTA LEMON LAW STANDARDS OF THE MINNESOTA LEMON LAW The fllwing is a brief explanatin f mst relevant prvisins f the Minnesta lemn law. The cmplete text f the lemn law can be fund at Minn. Stat. Ann Sec. 325F.665. VEHICLES

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

FREQUENTLY ASKED QUESTIONS ABOUT MOBILE WEB BANKING

FREQUENTLY ASKED QUESTIONS ABOUT MOBILE WEB BANKING FREQUENTLY ASKED QUESTIONS ABOUT MOBILE WEB BANKING What is Mbile Banking? A service that enables yu t access yur accunt infrmatin, cnduct transfers, and pay and manage yur bill payments frm any mbile

More information

Using PayPal Website Payments Pro UK with ProductCart

Using PayPal Website Payments Pro UK with ProductCart Using PayPal Website Payments Pr UK with PrductCart Overview... 2 Abut PayPal Website Payments Pr & Express Checkut... 2 What is Website Payments Pr?... 2 Website Payments Pr and Website Payments Standard...

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

ES PROCEDURES FOR OVERPAYMENT RECOVERY ES PROCEDURES FOR OVERPAYMENT RECOVERY Effective: 7/1/2012 Respnsible Office: Emplyee Services (ES) Apprved: ES Directr Applicatin: All Emplyees f the University f Clrad Plicy The University f Clrad will

More information

Process for Responding to Privacy Breaches

Process for Responding to Privacy Breaches Prcess fr Respnding t Privacy Breaches 1. Purpse 1.1 This dcument sets ut the steps that ministries must fllw when respnding t a privacy breach. It must be read in cnjunctin with the Infrmatin Incident

More information

Welcome to CNIPS Training: CACFP Claim Entry

Welcome to CNIPS Training: CACFP Claim Entry Welcme t CNIPS Training: CACFP Claim Entry General Cmments frm SCN CACFP claiming begins with submissin f the Octber claim due by Nvember 15, 2012. Timelines/Due Dates With CNIPS, SCN will cntinue t enfrce

More information