Marketplace Policies

Size: px
Start display at page:

Download "Marketplace Policies"

Transcription

1 Marketplace Policies Introduction The Food Hub is a program of Goodwill Grows at Goodwill Industries of North Central WI, Inc. (Goodwill NCW). Collaborators on the project include: re:th!nk; Live54218; and all buyers and sellers registered on the Food Hub virtual marketplace. The Food Hub is a service and brokerage marketplace serving buyers and sellers of local food in and around Oshkosh, Appleton and Green Bay, WI. The Food Hub does not offer exclusive rights to any one seller or any one product. Participation in the Food Hub markets implies understanding and compliance with the Marketplace Policies. Food Hub members are required to sign the Membership Agreement before participating in the Food Hub. Market administration reserves the right to revoke or suspend market participation in the event a user violates marketplace policies or is deemed to be acting against the best interest of the market as a whole. Marketplace Time and Place Links to the Food Hub markets can be easily found at The markets operate 24/7 online at: appleton.localorbit.com oshkosh.localorbit.com greenbay.localorbit.com donation.localorbit.com Food Hub services are available by appointment from 8:00 am 5:00 pm Monday Friday at the buyer or seller s place of business or at the Goodwill NCW Community Center: 1800 Appleton Road Menasha, WI Phone: (Office) (Cell) On occasion, the Food Hub online platform may be closed for site maintenance. Food Hub participants will be notified when the market will be closed at least 24 hours ahead of time. Marketplace Management The Food Hub is managed by agents of Goodwill Grows at Goodwill Industries of North Central WI, Inc.

2 Participants Who may participate in the Appleton, Oshkosh and Green Bay Markets? Sellers: Farmers, Ranchers, Food Processors and Food Distributors Buyers: Schools, Hospitals, Restaurants, Grocery Stores, Dining Services and other institutional or retail food services. Who may participate in the Donation Market? Donors: Farmers, Ranchers, Food Processors and Food Distributors Recipient: Feeding America for distribution to local food pantries Products What products may be sold through the Food Hub? Agricultural food products produced within 100 miles of Oshkosh, Appleton and/or Green Bay. Processed food products with at least 80% (by weight) of ingredients produced within 100 miles of Oshkosh, Appleton and/or Green Bay. Some products produced further than 100 miles away are allowed on a case-by-case basis and must be approved by Goodwill Grows. All exceptions must be clearly identified in the markets under product description. All products listed on the Food Hub must be produced or aggregated by the listed seller. Aggregated food products must list farm or organization of origin and all farms and organizations with products being aggregated must also comply with all Marketplace Policies. Post-order aggregation (aggregation taking place because seller has a lack of volume to meet predetermined volumes) must be communicated to Goodwill Grows and/or Buyer before delivery takes place for Buyer approval. Licensing It is each seller s responsibility to obtain and maintain any and all licenses and/or permits necessary for their particular operation. Sellers must comply with all Federal, State and local regulations and licensing requirements. Sellers are required to provide up-to-date copies of required licenses and permits to Goodwill Grows annually. Labeling Sellers are required to provide clear information about their production methods in the how sections of the Seller profile. Sellers may list certifications for specific items in their product descriptions. Sellers are required to allow at least one (1) annual farm/site visit from a representative of Goodwill Grows and/or any Food Hub Buyer upon reasonable notice.

3 All identified practices, labels and certifications must adhere to all Federal, State and local rules and regulations. Sellers are required to send a copy of all listed certifications, such as USDA Organic, to Goodwill Grows. Sellers listing processed products are required to list all ingredients and the sources of ingredients in the product description. Market Fees Sales through the Food Hub include an 8% transaction fee automatically included in all product pricing. This covers the services and support of both Local Orbit (the software platform) and Goodwill Grows. Local Orbit hosts the platform and provides ongoing software development services and technical support including online tutorials, HelpDesk access and platform maintenance. Goodwill Grows manages the Food Hub and its everyday services and activities. This includes building relationships with, and establishing connections between, marketplace buyers and sellers, with the goal of helping institutions of all sizes and types access more local food in Northeast Wisconsin. Since current programming is funded through a variety of grant programs, Goodwill Grows reserves the right to change the transaction fee percentage based on cost of business and the revenue requirements of the Food Hub. Participants will be notified at least seven (7) days prior to a transaction fee change. Payment Processing Buyers are required to pay with a credit, debit or P card on file at the time an order is placed in the system. Credit card transactions are facilitated via Local Orbit and a 2.9% plus $0.30/transaction fee is incurred at checkout for use of a third party credit card payment processor. Buyers in good credit standing with Goodwill Industries of North Central WI, Inc. will have the option to purchase via Purchase Orders (PO). PO transactions will be processed through Goodwill and no additional fee will be incurred. All sellers will be paid as a registered vendor of Goodwill NCW. As such, a variety of payment methods are offered. Electronic payments, such as ACH, are preferred. Pricing Each seller is responsible for setting their own prices. Sellers can request a pricing consultation from Goodwill Grows and utilize market reports for pricing comparisons. Sales All sales through the Food Hub are final. In the event that a seller is unable to fulfill an order, the buyer will be refunded in full by the seller. It is recommended sellers inform Goodwill

4 Grows as soon as possible if an order cannot be met. At times, Goodwill Grows can help facilitate refunds or work to accommodate unexpected shortfalls to the best of their ability. Records Local Orbit will maintain electronic records and back-ups of transactions. Goodwill Grows will have access to online reports for current and historic sales and fees. Records will be maintained for a minimum of two (2) years. Food Handling Sellers and distributors shall be responsible for compliance with established safe food handling and storage methods for products managed through the Food Hub. Food Quality and Grading Sellers are encouraged to describe the quality and grading of their products in detail. Buyers are encouraged to communicate their preferences and standards to sellers and Goodwill Grows. Goodwill Grows will record and communicate buyer preferences to sellers in order to facilitate the development of strong relationships. In the event that a product does not meet quality expectations of the buyer, the buyer is required to communicate their grievance and future needs to the seller and Goodwill Grows. Packaging Product packaging must adhere to all Federal, State and local rules and regulations. Products must be appropriately cleaned and packed. Product packaging must include a label identifying the contents of the package, and the name, address and contact information of the seller. Distribution Goodwill Grows will set up direct-to-consumer distribution options that try to accommodate as many schedules and distribution requirements as possible. Sellers and Buyers may select which distribution options to participate in. Sellers are required to meet the distribution requirements for each order placed. Sellers are required to set their own minimum order levels and fill every order regardless of size. Buyers are encouraged to communicate with Sellers and Goodwill Grows to ensure individual standards are met. Distribution Fees A distribution fee may be assessed for distribution options that are not farm-direct. Distribution fees will be assessed at the time an order is placed. Distribution fees will be specifically delineated at checkout and included in the total cost.

5 Grievances Goodwill Grows reserves the right to suspend or revoke participation in the Food Hub in the event a Buyer or Seller violates these policies. Buyers and Sellers are encouraged to communicate directly or via Goodwill Grows to preempt issues or disputes. The goal of the Food Hub is to develop a strong, interconnected local food community. In the event that a participant believes that these policies have been violated, and they are unable to reach a resolution directly, they are required to notify Goodwill Grows of the violation in writing. Information Confidentiality Information and transactions related to individual buyers and sellers will not be distributed in any way that will identify an individual participating organization. Transaction information for the Food Hub will be used to identify market trends and opportunities. Market reports will be periodically distributed to all participating organizations. No personal information collected from buyers and sellers will be sold or distributed to anyone or shared with any organization. Insurance Sellers are required to maintain Commercial General Liability insurance with a limit of not less than One Million Dollars ($1,000,000) per occurrence, and Two Million Dollars ($2,000,000) in the aggregate. Broadline distributor partners are required to maintain Commercial General Liability insurance with a limit of not less than Ten Million Dollar ($10,000,000) per occurrence. Sellers shall name Goodwill Industries of North Central Wisconsin, Inc. as an additional insured on a primary and non-contributory basis. Sellers are required to provide Goodwill Grows a copy of their insurance policy before any transactions take place. Amendments Goodwill Grows reserves the right to amend these policies, and will notify Food Hub users within 14 days of doing so.

Online Banking, Bill Pay, and E-Statements

Online Banking, Bill Pay, and E-Statements Online Banking, Bill Pay, and E-Statements ERROR RESOLUTION NOTICE In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure,

More information

Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108

Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108 Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108 Consumer Internet Banking Agreement and Disclosures 1. Coverage. This Agreement applies to your use of our Online Banking Service ("Internet

More information

CORPORATE PURCHASING CARD User Guidelines

CORPORATE PURCHASING CARD User Guidelines CORPORATE PURCHASING CARD User Guidelines Appleton, Wisconsin Policy and Procedures For use with the Comdata Corporate MasterCard Lawrence University Cardholder Assistance Julie Berken Liz Miller x6544

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

RIM SECURITIES LIMITED FINANCIAL SERVICES GUIDE ABN 86 111 273 048 AFS Licence No. 283119

RIM SECURITIES LIMITED FINANCIAL SERVICES GUIDE ABN 86 111 273 048 AFS Licence No. 283119 RIM SECURITIES LIMITED FINANCIAL SERVICES GUIDE ABN 86 111 273 048 AFS Licence No. 283119 Effective: 22 September 2014 INTRODUCTION This Financial Services Guide ( FSG ) is designed to assist you in deciding

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD This agreement and disclosure applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.

More information

Vendor Rules and Regulations

Vendor Rules and Regulations 2016 Johns Creek Farmers Market Managed by MI Distributors Vendor Rules and Regulations Market Location: Newtown Park Amphitheater 3150 Old Alabama Road Johns Creek, GA 30022 Dates: All Saturdays from

More information

OVERVIEW This instruction sheet is for members who already use Online Banking/Virtual Branch and are adding Bill Pay to Online Banking Account.

OVERVIEW This instruction sheet is for members who already use Online Banking/Virtual Branch and are adding Bill Pay to Online Banking Account. OVERVIEW This instruction sheet is for members who already use Online Banking/Virtual Branch and are adding Bill Pay to Online Banking Account. LOGGING IN 1. On the homepage of our website, www.netfcu.org,

More information

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns.

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns. Citibank Rewards Program Terms & Conditions This Citibank Rewards Program Terms and Conditions governs the entitlement of Citibank Credit Card customers and Debit & ATM Cardholders (including those issued

More information

JUDICIARY ACCOUNT CHARGE SYSTEM PARTICIPATION AGREEMENT

JUDICIARY ACCOUNT CHARGE SYSTEM PARTICIPATION AGREEMENT JUDICIARY ACCOUNT CHARGE SYSTEM PARTICIPATION AGREEMENT PROGRAM DESCRIPTION The Judiciary Account Charge System ( JACS ) enables a participant (herein defined as an individual or business entity, by and

More information

HSBC Global Investment Centre

HSBC Global Investment Centre HSBC Global Investment Centre Terms and Conditions These terms are effective for all Global Investment Centre Account customers on and from 6 April 2016. 2 Global Investment Centre Terms and Conditions

More information

Credit Card Agreement Visa Platinum Rewards

Credit Card Agreement Visa Platinum Rewards Credit Card Agreement Visa Platinum Rewards Part I: Interest Rates and Interest Charges Visa Platinum Annual Percentage Rate (APR) for Purchases 8.25% to 13.25% This APR will vary with the market based

More information

Visa Credit Card Agreement

Visa Credit Card Agreement Visa Credit Card Agreement 1. INTRODUCTION. This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Platinum VISA or Platinum VISA with Rewards

More information

OUTAGAMIE COUNTY REQUEST FOR INFORMATION / PROPOSAL FOR ENTERPRISE BACKUP SOLUTION FOR MIS DEPARTMENT

OUTAGAMIE COUNTY REQUEST FOR INFORMATION / PROPOSAL FOR ENTERPRISE BACKUP SOLUTION FOR MIS DEPARTMENT OUTAGAMIE COUNTY REQUEST FOR INFORMATION / PROPOSAL FOR ENTERPRISE BACKUP SOLUTION FOR MIS DEPARTMENT DUE BY: April 10, 2012 ADMINISTRATIVE INFORMATION 1.0 Introduction and Background The Outagamie County

More information

Bill Pay Agreement and Disclosure

Bill Pay Agreement and Disclosure Bill Pay Agreement and Disclosure INTRODUCTION This disclosure covers your and our rights and responsibilities concerning the Bill Pay Service offered by Cornerstone Financial Credit Union ( Credit Union

More information

Rosedale Farmers Market Seeks Vendors for the 2016 Season

Rosedale Farmers Market Seeks Vendors for the 2016 Season Rosedale Farmers Market Seeks Vendors for the 2016 Season The Rosedale Farmers Market is a seeking vendors for our 2016 season! We are seeking primarily food vendors, but other types of vendors are welcome

More information

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the Bill Payment Service offered by your financial institution. "Agreement" means these Terms and Conditions of the

More information

Longport Farmers Market Vendor Information/ Application Form 2016 Season

Longport Farmers Market Vendor Information/ Application Form 2016 Season Longport Farmers Market Vendor Information/ Application Form 2016 Season The Borough of Longport, in cooperation with Longport s green team, Sustainable Longport, will be hosting its first ever bike up

More information

Internet Banking Agreement and Disclosure

Internet Banking Agreement and Disclosure Internet Banking Agreement and Disclosure This Internet Banking Agreement and Disclosure ("the Agreement") explains the terms and conditions governing the basic Internet banking services and bill payment

More information

Checking Account Overdraft Agreement

Checking Account Overdraft Agreement Checking Account Overdraft Agreement Account Name Account Number Share # This Overdraft Agreement ("Agreement") describes the circumstances when we (the Credit Union) will pay overdrafts in your checking

More information

Farmers Market Vendor and Market Rules

Farmers Market Vendor and Market Rules KANSAS FARMERS MARKETS Farmers Market Vendor and Market Rules Farmers markets often have handbooks or specific rules for vendors that guide market operation. These requirements, however, vary greatly between

More information

Distributor Agreement

Distributor Agreement Distributor Agreement Part Ⅰ Appointment of distributorship Geeetech hereby permits as nonexclusive distributor of the Geeetech products exhibited in the Geeetech warehouse website on condition that agrees

More information

Purchasing Card Training

Purchasing Card Training Purchasing Card Training WELCOME Your Purchasing Card Team: Kimberley Reardon P-Card Administrator Dian Smith and Amanda Rose 1 Why have a purchasing card? Standard VISA card Liability rests only with

More information

TOPICS OF INTEREST TO LAWYERS

TOPICS OF INTEREST TO LAWYERS TOPICS OF INTEREST TO LAWYERS Legal Fees Advanced fees Flat fees Retainers Disbursing advanced fees (when held in trust) Combined payment of earned and unearned fees Advances for costs Credit card payments

More information

Cardholder Guide. Applying for a Card

Cardholder Guide. Applying for a Card Cardholder Guide Applying for a Card Corporate Purchasing Card Cardholder New Account Form needs to be filled out for every candidate with the appropriate department manager as well as the Comptroller's

More information

PC Connect Agreement & Disclosure Receipt of Disclosures Equipment Requirements Definition of Business Day

PC Connect Agreement & Disclosure Receipt of Disclosures Equipment Requirements Definition of Business Day PC Connect Agreement & Disclosure This agreement provides information about the Sutter Community Bank PC Connect Online banking service and contains the disclosures required by the Electronic Funds Transfer

More information

Vendor to Plan Fiduciary Investment and Fee/Compensation Disclosure

Vendor to Plan Fiduciary Investment and Fee/Compensation Disclosure ADP RETIREMENT SERVICES Vendor to Plan Fiduciary Investment and Fee/Compensation Disclosure HR. Payroll. Benefits. Vendor to Plan Fiduciary Investment and Fee/Compensation Disclosure New vendor to plan

More information

Please print this order form, fill it out, sign the bottom of each page, and fax it to us at 1+ 514 381 7722.

Please print this order form, fill it out, sign the bottom of each page, and fax it to us at 1+ 514 381 7722. MANAGEMENT-WARE SOLUTIONS SOFTWARE RESELLER AGREEMENT 230 Henri-Bourassa E, #205 Motreal (Quebec), H3L1B8, Canada Tel.:+514-381-7722 Fax: 1+514-381-7725 Please print this order form, fill it out, sign

More information

BILLING & COLLECTIONS SERVICES STATEMENT OF GENERALLY AVAILABLE TERMS AND CONDITIONS

BILLING & COLLECTIONS SERVICES STATEMENT OF GENERALLY AVAILABLE TERMS AND CONDITIONS BILLING & COLLECTIONS SERVICES STATEMENT OF GENERALLY AVAILABLE TERMS AND CONDITIONS Description of Service This Statement of Generally Available Terms and Conditions ( Statement ) provides details under

More information

Selected Investment Funds. Terms and Conditions Effective Date 6 April 2016

Selected Investment Funds. Terms and Conditions Effective Date 6 April 2016 Selected Investment Funds Terms and Conditions Effective Date 6 April 2016 2 How to contact us Telephone Call our Customer Service Centre on: 03457 456 123 By textphone for general enquiries: 03457 660

More information

FARM LOAN GUARANTEE PROGRAM

FARM LOAN GUARANTEE PROGRAM FARM LOAN GUARANTEE PROGRAM LENDER MANUAL Contents ABOUT THIS MANUAL... 4 WHO TO CONTACT... 4 ELIGIBILITY... 5 A. ELIGIBLE LENDERS... 5 Becoming a Participating Lender... 5 B. ELIGIBLE BORROWERS... 5 C.

More information

Instructions West Virginia Sales & Use Tax Return (WV/CST-200CU)

Instructions West Virginia Sales & Use Tax Return (WV/CST-200CU) Instructions West Virginia Sales & Use Tax Return (WV/CST-200CU) General Instructions WV/CST-200CU is used to report or amend state and municipal sales and use taxes in West Virginia on tangible personal

More information

Atlas Capital Group, LLC. Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure. W3561 County Road O Appleton, WI 54913. Telephone: 920-659-1202

Atlas Capital Group, LLC. Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure. W3561 County Road O Appleton, WI 54913. Telephone: 920-659-1202 Atlas Capital Group, LLC Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure W3561 County Road O Appleton, WI 54913 Telephone: 920-659-1202 This wrap fee brochure provides information about the qualifications

More information

About FEED NOVA SCOTIA

About FEED NOVA SCOTIA Membership About FEED NOVA SCOTIA FEED NOVA SCOTIA is the central collection and distribution point for donated food for member food banks, shelters and meal programs across the province. Founded in 1984,

More information

SOFTWARE HOSTING AND SERVICES AGREEMENT

SOFTWARE HOSTING AND SERVICES AGREEMENT SOFTWARE HOSTING AND SERVICES AGREEMENT IMPORTANT! PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE SERVICES OR WEBSITE. The X2Engine.Com website (hereinafter Website ) is owned by, and the hosting

More information

How a Personal Loan Works 03.13

How a Personal Loan Works 03.13 How a Personal Loan Works 03.13 The basics How a Personal Loan Works provides a basic overview of an ANZ Personal Loan, including how fees and interest are calculated and charged. For detailed information

More information

Internet Services Terms and Conditions

Internet Services Terms and Conditions Internet Services Terms and Conditions 1. These terms and conditions These General Terms and Conditions apply to you if you are a business or residential telecommunications customer of Telnet Telecommunication

More information

Al Mubarak Credit Card Term and condition

Al Mubarak Credit Card Term and condition Al Mubarak Credit Card Term and condition Arab National Bank ( Bank ) will issue the Al Mubarak Credit Card ( Card ), subject to the following Terms and Conditions: 1. Standard Definitions: A. Card: The

More information

CERTIFICATE OF ONLINE BUSINESS BANKING RESOLUTIONS

CERTIFICATE OF ONLINE BUSINESS BANKING RESOLUTIONS PO Box 32, Lewiston, UT 84320-0032 CERTIFICATE OF ONLINE BUSINESS BANKING RESOLUTIONS You, as the Certifying Representative i of the business entity named below (the Business ), must print, complete, sign,

More information

Agreements & Contracts: Bank to Bank Transfers User Agreement July 2012

Agreements & Contracts: Bank to Bank Transfers User Agreement July 2012 Agreements & Contracts: Bank to Bank Transfers User Agreement July 2012 FRED HABERBERGER CHIEF INFORMATION OFFICER 207.858.2503 FHABERBERGER@SKOWSAVINGS.COM TABLE OF CONTENTS APPROVAL HISTORY... 3 REVISION

More information

INVITATION FOR BID. T- 054385 RFP for Food Service Management Program for Brewer-Porch Children s Center. ADDENDUM # 1 Tuesday, January 19, 2016

INVITATION FOR BID. T- 054385 RFP for Food Service Management Program for Brewer-Porch Children s Center. ADDENDUM # 1 Tuesday, January 19, 2016 INVITATION FOR BID T- 054385 RFP for Food Service Management Program for Brewer-Porch Children s Center ADDENDUM # 1 Tuesday, January 19, 2016 ATTENTION: This is not an order. Read all instructions, terms

More information

Ticketmaster Installed Payment Plan

Ticketmaster Installed Payment Plan Account Manager Terms of Use Ticketmaster Installed Payment Plan Ticketmaster Australasia Pty Ltd ACN 089 258 837 ("Ticketmaster") as agent for the presenter is pleased to offer the Installed Payment Plan

More information

VISA BUSINESS CHECK CARD APPLICATION

VISA BUSINESS CHECK CARD APPLICATION Card Services VISA BUSINESS CHECK CARD APPLICATION BUSINESS INFORMATION (please type or print) Business Legal Business Address City, State Zip Federal Tax ID Primary Checking Account Business Phone Number

More information

This policy specifies usage guidelines, restrictions, and fees associated with use of the Library s Meeting Rooms and available equipment.

This policy specifies usage guidelines, restrictions, and fees associated with use of the Library s Meeting Rooms and available equipment. I. PURPOSE This policy specifies usage guidelines, restrictions, and fees associated with use of the Library s Meeting Rooms and available equipment. II. POLICY The Board of Trustees ( Board ) of the Greenburgh

More information

Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement

Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement Internet Banking Mutual Savings Credit Union Internet Banking Agreement and Disclosure Agreement is

More information

WAYNE SAVINGS COMMUNITY BANK PERSONAL ONLINE BANKING AND BILL PAY AGREEMENTS AND DISCLOSURES

WAYNE SAVINGS COMMUNITY BANK PERSONAL ONLINE BANKING AND BILL PAY AGREEMENTS AND DISCLOSURES WAYNE SAVINGS COMMUNITY BANK PERSONAL ONLINE BANKING AND BILL PAY AGREEMENTS AND DISCLOSURES PERSONAL ONLINE BANKING AGREEMENT AND DISCLOSURE This agreement states the terms and conditions that apply when

More information

CREDIT UNION ONE ONLINE AND MOBILE BANKING ACCESS AGREEMENT AND DISCLOSURE

CREDIT UNION ONE ONLINE AND MOBILE BANKING ACCESS AGREEMENT AND DISCLOSURE CREDIT UNION ONE ONLINE AND MOBILE BANKING ACCESS AGREEMENT AND DISCLOSURE This Agreement and Disclosure ("Agreement") provides information about and states the terms and conditions for an online and mobile

More information

STATEMENT OF PRIVACY PRACTICES

STATEMENT OF PRIVACY PRACTICES STATEMENT OF PRIVACY PRACTICES We, at Seattle Smile Works, are dedicated to protect the privacy rights of our patients and the confidential information entrusted to us. The commitment of each employee

More information

INVESTMENT ADVISORY AGREEMENT

INVESTMENT ADVISORY AGREEMENT The undersigned client ( I ) agrees to engage WealthStrategies Financial Advisors, LLC ( you ) as advisor for the Account(s) custodied with FOLIOfn Investments, Inc. ( Account(s) ) upon the following terms

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

communications between us and your financial, legal or other adviser, or your broker or agent;

communications between us and your financial, legal or other adviser, or your broker or agent; Privacy policy Updated: 25 June 2014 This Privacy Policy applies to information collected by 255 Finance Pty Ltd ABN 23 168 112 507 and its related bodies corporate ( 255 Finance or we ). This policy outlines

More information

Replacement Card Fee (SVC CHG REPLACE CARD): $5.00 (applies when card is replaced for any reason)

Replacement Card Fee (SVC CHG REPLACE CARD): $5.00 (applies when card is replaced for any reason) AUDI PREPAID VISA LOYALTY CARD CARDHOLDER AGREEMENT IMPORTANT PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.

More information

Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the Bill Payment Service offered by BankFinancial F.S.B. "Agreement" means these Terms and

More information

Import Factor Information Sheet (IFIS)

Import Factor Information Sheet (IFIS) Import Factor Information Sheet (IFIS) GUARANTEE FOR INTERNATIONAL FACTORING TRANSACTIONS MEMBER OF FACTORS CHAIN INTERNATIONAL Table of contents 1. Company Overview 2. Range of Activities 3. Credit Approvals

More information

Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS

Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS This Attachment A to the Corporate Cash Management Services Agreement between NewDominion

More information

1.99% introductory APR 1 for the first 6 months.

1.99% introductory APR 1 for the first 6 months. Interest Rates and Interest Charges Retail Installment Agreement Revolving Accounts Plan for NOVEL Dual of Banco Popular Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash

More information

Shift working and working time for police staff Policy

Shift working and working time for police staff Policy Shift working and working time for police staff Policy Policy summary West Yorkshire Police have established a procedure which sets out the elements of police staff shift working and working time. Aims

More information

STATE BANK OF SPRING HILL INTERNET BANKING AGREEMENT WWW.SBSH-KS.COM Internet banking is not available to children under 18 years of age.

STATE BANK OF SPRING HILL INTERNET BANKING AGREEMENT WWW.SBSH-KS.COM Internet banking is not available to children under 18 years of age. STATE BANK OF SPRING HILL INTERNET BANKING AGREEMENT WWW.SBSH-KS.COM Internet banking is not available to children under 18 years of age. PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

More information

ONLINE BANKING AGREEMENT

ONLINE BANKING AGREEMENT ONLINE BANKING AGREEMENT This Online Banking Agreement is made by Bank Mutual ( us, we, and our ) and each person with an account accessible through Online Banking ( you and your ). 1. Definitions. The

More information

SERVICE AGREEMENT. THIS AGREEMENT made this day of ( Effective Date ) by and between Four Seasons Healthcare LLC and

SERVICE AGREEMENT. THIS AGREEMENT made this day of ( Effective Date ) by and between Four Seasons Healthcare LLC and SERVICE AGREEMENT Please review this agreement carefully, as it sets forth the understanding between you ( Patient ) and Four Seasons Healthcare ( Agency ) regarding the services you have requested and

More information

Bill Payment Agreement

Bill Payment Agreement Bill Payment Agreement Service Provider You authorize Altra Federal Credit Union (Altra) to utilize ipay Solutions (or another processor of our choice) to provide this service to you on the Credit Union

More information

pbsmartpostage Mail and Shipping Service, Terms of Use

pbsmartpostage Mail and Shipping Service, Terms of Use pbsmartpostage Mail and Shipping Service, Terms of Use Account Requirements When you register for the service, you will create a unique user ID and password. Your subscription is billed based on the nine

More information

FOOD AND AGRICULTURAL CODE SECTION

FOOD AND AGRICULTURAL CODE SECTION SECTION 47000-47003 47000. The Legislature finds and declares all of the following with regard to the direct marketing of agricultural products: (a) Direct marketing of agricultural products benefits the

More information

Bank Independent Bank to Bank Transfer Addendum (Consumers Only)

Bank Independent Bank to Bank Transfer Addendum (Consumers Only) Bank Independent Bank to Bank Transfer Addendum (Consumers Only) This Bank to Bank Transfer Addendum (this Addendum ) is an addendum to your Online Banking Agreement and Electronic Funds Transfer Act Notice,

More information

Frequently Asked Questions on Renting Textbooks

Frequently Asked Questions on Renting Textbooks Frequently Asked Questions on Renting Textbooks HOW MUCH CAN I SAVE BY RENTING A TEXTBOOK? Although individual prices can vary by book, you can save an average of more than 50% of the cost of a new textbook

More information

CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT

CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement.

More information

When you make a holiday rental booking using Wotusee.com the following terms and conditions apply.

When you make a holiday rental booking using Wotusee.com the following terms and conditions apply. When you make a holiday rental booking using Wotusee.com the following terms and conditions apply. You must be 18 years and over to book holiday rental displayed on Wotusee.com. 1) Supplier goods and services

More information

SOFTWARE HOSTING AND SERVICES AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE SERVICES OR WEBSITE. The SuiteCRM website (hereinafter

SOFTWARE HOSTING AND SERVICES AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE SERVICES OR WEBSITE. The SuiteCRM website (hereinafter SOFTWARE HOSTING AND SERVICES AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE SERVICES OR WEBSITE. The SuiteCRM website (hereinafter Website ) is owned by, and the hosting and support services

More information

CITI REWARDS PROGRAM TERMS AND CONDITIONS

CITI REWARDS PROGRAM TERMS AND CONDITIONS CITI REWARDS PROGRAM TERMS AND CONDITIONS 1. DEFINITIONS In these terms and conditions ( Terms and Conditions ), unless the context otherwise requires; Card means the Citi Rewards, Citi Platinum Visa,

More information

TERMS AND CONDITIONS

TERMS AND CONDITIONS TERMS AND CONDITIONS 1. Definitions. Buyer means the person, corporation or other entity purchasing Products from Seller. Products means all goods and materials to be provided pursuant to this Sales Acknowledgment.

More information

Web Site Hosting Service Agreement

Web Site Hosting Service Agreement Web Site Hosting Service Agreement Updated April, 2015 The following agreement is between Softext Publishing Inc. ( SOFTEXT ) of 954 1st Ave West, Owen Sound ON, Canada and You ( Client ). WHEREAS, SOFTEXT

More information

Direct Debit Service Agreement Information

Direct Debit Service Agreement Information Direct Debit Service Agreement Information Direct Debit Introducing a new and easy method to pay your council rates. Never miss a due date again. Quarterly deductions from your savings or cheque account.

More information

Streamline 222 S 15TH ST STE 402S Omaha, NE 68102 (800)262-2549 x 3 fax (402)271-3317. Dear Valued Customer:

Streamline 222 S 15TH ST STE 402S Omaha, NE 68102 (800)262-2549 x 3 fax (402)271-3317. Dear Valued Customer: Streamline 222 S 15TH ST STE 402S Omaha, NE 68102 (800)262-2549 x 3 fax (402)271-3317 Dear Valued Customer: Thank you for choosing Streamline as your intermodal service partner. In order to facilitate

More information

fdsfdsfdsfdsfsdfdsfsdfdsfsdfsd Square Box Systems Technical Support Agreement

fdsfdsfdsfdsfsdfdsfsdfdsfsdfsd Square Box Systems Technical Support Agreement fdsfdsfdsfdsfsdfdsfsdfdsfsdfsd Square Box Systems Technical Support Agreement Last updated 4 th January 2016 Technical Support Agreement This Technical support agreement is made up of these terms and conditions

More information

STANDARD HOSTING AGREEMENT

STANDARD HOSTING AGREEMENT Elysium Ltd Head Office Milton House Whitehill Road Crowborough East Sussex TN6 1LB Phone: +44 (0)1892 667411 Fax: +44 (0)1892 667433 Web: www.elysium.ltd.uk Email: info@elysium.ltd.uk STANDARD HOSTING

More information

INTERNET BANKING & MOBILE DEPOSIT AGREEMENT

INTERNET BANKING & MOBILE DEPOSIT AGREEMENT INTERNET BANKING & MOBILE DEPOSIT AGREEMENT ELECTRONIC FUND TRANSFERS Type of Transfers You may access your accounts by computer using your customer ID and password to: transfer funds from checking to

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure governs your use of any of the following electronic fund transfers (EFT) services (some of which

More information

Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service

Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service All references within this document to the terms "Payment Service" and/or "the Service" reflect the Online Bill

More information

BEFORE THE ARBITRATOR. In the Matter of the Arbitration of a Dispute Between SCHWARTZ MANUFACTURING COMPANY. and

BEFORE THE ARBITRATOR. In the Matter of the Arbitration of a Dispute Between SCHWARTZ MANUFACTURING COMPANY. and BEFORE THE ARBITRATOR In the Matter of the Arbitration of a Dispute Between SCHWARTZ MANUFACTURING COMPANY and LOCAL UNION NO. 236-T, COUNCIL OF THE UNITED TEXTILE WORKERS OF AMERICA Case 10 No. 61724

More information

EASY LED Oy General Terms of Sale

EASY LED Oy General Terms of Sale EASY LED Oy General Terms of Sale 1. Scope of application These General Terms of Sale (hereinafter referred to as the Terms ) shall be applied to the sale and supply of lighting products manufactured by

More information

PAYMENT PROTECTION INSURANCE MARKET INVESTIGATION ORDER 2011

PAYMENT PROTECTION INSURANCE MARKET INVESTIGATION ORDER 2011 PAYMENT PROTECTION INSURANCE MARKET INVESTIGATION ORDER 2011 The Order... 3 PART 1... 4 General... 4 1. Title, commencement, application and scope... 4 2. Interpretation... 4 PART 2... 10 Information requirements...

More information

producer group/company management

producer group/company management MODULE 2 PRODUCER GROUP/COMPANY MANAGEMENT Module 1 dealt with the analysis of organizations according to the 5M-approach. Module 2 takes a detailed look at the two M s of Men and Methods. This Module

More information

Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts

Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts First State Bank Central Texas offers the highest quality banking products and services available.

More information

INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT

INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT To gain access to the First Citizens State Bank Online Bill Payment Service, you must complete this First Citizens State Bank Online Bill Payment Service

More information

SUBSCRIBER AGREEMENT FOR SECURE REMOTE ACCESS TO THE CIRCUIT COURT RECORDS MANAGEMENT SYSTEM

SUBSCRIBER AGREEMENT FOR SECURE REMOTE ACCESS TO THE CIRCUIT COURT RECORDS MANAGEMENT SYSTEM SUBSCRIBER AGREEMENT FOR SECURE REMOTE ACCESS TO THE CIRCUIT COURT RECORDS MANAGEMENT SYSTEM THIS AGREEMENT is made and entered into as of the day of, 20, by and between the Clerk of the Circuit Court

More information

Mail Hosting Services Terms and Conditions

Mail Hosting Services Terms and Conditions MAIL HOSTING SERVICES TERMS AND CONDITIONS In addition to the General, your use of the Mail Services is subject to the following additional terms and conditions: 1. ADDITIONAL DEFINED TERMS Some words

More information

VISA BUSINESS CHECK ( DEBIT ) CARD CARDHOLDER AGREEMENT

VISA BUSINESS CHECK ( DEBIT ) CARD CARDHOLDER AGREEMENT VISA BUSINESS CHECK ( DEBIT ) CARD CARDHOLDER AGREEMENT Revised 1/1/2016 In this Business Check ( Debit ) Card Agreement (the Agreement ), the words we, our, us and Bank mean ZB, N.A. dba Amegy Bank. The

More information

Building Local Food Sales in Retail Settings Bringing on New Fruit & Vegetable Farmers A Visual Guide and Checklist for Direct-Store-Delivery

Building Local Food Sales in Retail Settings Bringing on New Fruit & Vegetable Farmers A Visual Guide and Checklist for Direct-Store-Delivery Building Local Food Sales in Retail Settings Bringing on New Fruit & Vegetable Farmers A Visual Guide and Checklist for Direct-Store-Delivery This document provides a template for grocers who buy fruits

More information

BuyDIRECT SM. The Bank of New York. Table of Contents. A Direct Purchase and Sale Plan for the Common Stock of. Summary of Plan Services...

BuyDIRECT SM. The Bank of New York. Table of Contents. A Direct Purchase and Sale Plan for the Common Stock of. Summary of Plan Services... The Bank of New York Table of Contents Page BuyDIRECT Overview............... 1 BuyDIRECT SM A Direct Purchase and Sale Plan for the Common Stock of Summary of Plan Services............ 3 Frequently Asked

More information

Service Description Fast-Track Dispatch

Service Description Fast-Track Dispatch FAST-TRACK DISPATCH (FTD or the Program ) TERMS AND CONDITIONS In consideration of the promises set forth below, the parties agree on the following: For the purposes of this Agreement, the following definitions

More information

2014 Market Policies, Rules and Responsibilities & 2014 Vendor Application

2014 Market Policies, Rules and Responsibilities & 2014 Vendor Application T R A N S Y L V A N I A F A R M E R S M A R K E T 2014 Market Policies, Rules and Responsibilities & 2014 Vendor Application Mission/Purpose The mission of the Transylvania Farmers Market is to encourage

More information

14 Tips For Market Vendors

14 Tips For Market Vendors 14 Recruiting and Orienting Vendors This chapter will enable you to: Recruit growers and orient them to the market through a grower meeting and follow-up contacts. Develop application materials and information

More information

G21 Provide hairdressing consultation services

G21 Provide hairdressing consultation services Provide hairdressing consultation services Level 3 Hairdressing Trainer Guidance Notes The Learning Support Unit you have recently purchased makes reference to Key/Core Skill Opportunities. From September

More information

How To Use The Automatic Clearing House System (Ach) Electronically

How To Use The Automatic Clearing House System (Ach) Electronically PAYROLL SERVICE AGREEMENT THIS PAYROLL SERVICE AGREEMENT (the Agreement ) is entered into by and between, (the "Employer") and PayUSA, Inc., ("PayUSA"). WITNESSETH: WHEREAS, the Employer desires to utilize

More information

1.99% introductory APR 1 for the first 6 months.

1.99% introductory APR 1 for the first 6 months. Revolving Retail Installment Agreement for Banco Popular / AAdvantage Visa Infinite Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 1.99% introductory APR 1 for the first

More information

DISTRIBUTOR AGREEMENT v4.2

DISTRIBUTOR AGREEMENT v4.2 DISTRIBUTOR AGREEMENT v4.2 ARTICLE I APPOINTMENT OF DISTRIBUTORSHIP SEEED permits the company acting as NONEXCLUSIVE distributor of the SEEED products and services and services listed in the SEEED official

More information

Federal Reserve Banks Operating Circular No. 4 AUTOMATED CLEARING HOUSE ITEMS

Federal Reserve Banks Operating Circular No. 4 AUTOMATED CLEARING HOUSE ITEMS Federal Reserve Banks AUTOMATED CLEARING HOUSE ITEMS Effective November 4, 2013 FEDERAL RESERVE BANKS OPERATING CIRCULAR NO. 4 Effective November 4, 2013 AUTOMATED CLEARING HOUSE ITEMS (Click CTRL + section

More information

Central City Credit Union Audio Response and Home Banking (PAL) Disclosure and Agreement

Central City Credit Union Audio Response and Home Banking (PAL) Disclosure and Agreement Central City Credit Union Audio Response and Home Banking (PAL) Disclosure and Agreement These rules govern the relationship between Central City Credit Union and each person that is authorized to use

More information

WVU FOUNDATION & UNIVERSITY PURCHASING CARD PROGRAM POLICIES & PROCEDURES. Updated October 2012

WVU FOUNDATION & UNIVERSITY PURCHASING CARD PROGRAM POLICIES & PROCEDURES. Updated October 2012 WVU FOUNDATION & UNIVERSITY PURCHASING CARD PROGRAM POLICIES & PROCEDURES Updated October 2012 Introduction This document contains the guidelines applicable to the WVU Foundation, Inc. Purchasing Card

More information

1111 Cornwall Avenue Bellingham, WA 98225 1-800-649-5121 (360) 734-5121 ext. 233 shawn_collins@oppco.org

1111 Cornwall Avenue Bellingham, WA 98225 1-800-649-5121 (360) 734-5121 ext. 233 shawn_collins@oppco.org Food Stamp Information for Students 1111 Cornwall Avenue Bellingham, WA 98225 1-800-649-5121 (360) 734-5121 ext. 233 shawn_collins@oppco.org This material was funded in part by the USDA Food Stamp Program.

More information