Pen Air Federal Credit Union
Terms and Conditions (Retain for your records)
Mobile Wallet Terms and Conditions - These Terms and Conditions apply when you choose to add a Pen Air FCU credit card or debit card to a Mobile Wallet Service. In these Terms, "you", "your", "their", and "my" refer to the cardholder of the Pen Air FCU Card, and "we," "us," "our," and "Pen Air FCU" refer to the issuer of your Pen Air FCU Card. By selecting the check box entitled "I have read, and I understand and agree to the Pen Air FCU Mobile Wallet Service Terms and Conditions," you agree to all terms, conditions, and notices contained or referenced in these Terms and you are providing your express consent.
What is a Mobile Wallet Service? - A Mobile Wallet Service ("Wallet") allows you to add your Pen Air FCU Cards to an application using your Mobile Device. Your Pen Air FCU Card number is replaced with a digital number or token. Once added, you understand that you may use your Mobile Device to make payments only where the Wallet is accepted. Pen Air FCU is not a provider of the Wallet and we are not responsible for any failure or inability to perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Pen Air FCU Card in the Wallet.
Eligibility - Active Pen Air FCU Card accounts that are in good standing are eligible to be added to a Wallet. If your Pen Air FCU Card or any underlying (Pen Air FCU ) account becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by Pen Air FCU in its sole discretion, your Pen Air FCU Card may be removed by Pen Air FCU from the Wallet for continued use.
Relationship to Other Agreements - You agree that when you add your Pen Air FCU Card to a Wallet service, your Pen Air FCU Card and account will remain subject to the terms and conditions of all existing agreements with Pen Air FCU. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your accounts at Pen Air FCU, including account servicing and collection purposes.
Account Ownership/Accurate Information - You represent that you are the legal owner of the account and other financial information which may be accessed via the Wallet. You represent and agree that all information you provide in connection with the Wallet is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating the Wallet. You agree not to misrepresent your identity or your account information.
You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet.
We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members.
Changes in these Terms and Conditions - Except as otherwise required by law, Pen Air FCU may in its sole discretion change these terms, and modify or cancel the eligibility to use your Pen Air FCU Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Pen Air FCU Card(s) from the Wallet. Pen Air FCU reserves the right to refuse any transaction for any reason.
Exclusion of Warranties; Limitation of Liability; Indemnification
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A MOBILE WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND PEN AIR FCU IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. PEN AIR FCU MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET.