Online Access Agreement and Disclosure
Statement
This agreement states the terms and
conditions that apply when you open qualifying account(s) on the Internet,
Internet-enable qualifying account(s),
access account information over the Internet, or transfer funds between
qualifying Internet-enabled accounts. These terms and conditions are in
addition to those that apply to any accounts you have with us or any other
services you obtain from us. You must also follow all of our instructions and
procedures applicable to the services covered by this agreement.
Explanation of Certain
Terms
·
“We”, “us” and “our” means First Financial Federal Credit Union
·
“You” and “your” mean an
individual person or business entity that we permit to use the Internet banking
services subject to the terms of this agreement.
·
“Company representative” means, if
you are a business entity, anyone we reasonably believe, in accordance with our
security procedures, to be authorized to act on your behalf in connection with
our online banking service.
·
“Internet-enable” your account(s)
means to enable you to obtain our service that allows you to obtain information
and perform transactions we make available for your qualifying accounts over
the Internet by use of a personal computer and modem and/or other means we
authorize or allow.
·
“Online banking” means the
services provided under this agreement which allow you to access information
about your Internet-enabled accounts, transfer funds between qualifying
accounts, and perform other transactions and obtain other services that we
authorize or allow, but does not include our bill pay service.
·
“Online” means through the
Internet by use of a personal computer or other screen-based electronic device.
·
“Account” means a share account;
loan or other account for which transactions may be performed using our Online
Banking service.
·
"Consumer account” means an
account established primarily for personal, family, or household use.
·
“Business account” means an
account that is not a consumer account.
·
“Access codes” include the
customer identification number, log-in, password and any other means of access
to our Online Banking service we establish or provide for you.
Access Codes
To use our Online Banking service, you must
use the access codes we establish or provide for you. Keep them confidential to
prevent unauthorized use or loss to your accounts. Anyone to whom you give your
access codes will have full access to your accounts even if you attempt to
limit that person’s authority. Additionally, that person will have full access
to any other of your accounts which are accessed by those access codes, even if
those accounts are in your name with another person.
None of our employees or employees of our
affiliates will contact you via phone or e-mail requesting your access codes.
If you are contacted by anyone requesting this information, please contact us
immediately at our phone number shown in the section below entitled Notify us
IMMEDIATELY for Unauthorized Transactions.
Protecting Your
Personal Information
In addition to protecting your access
codes, you should also take precautions to protect your personal identification
information, such as your driver’s license, Social Security number, or tax
identification number. This information by itself or together with account
information may allow unauthorized access to your accounts. You should treat
personal information with the same level of care that you would for your
account information. You should also protect and secure all information and
data stored in any personal computer or other equipment you use to access our
Online Banking service.
Individual Agreement for Online Banking
Service
We do not have joint agreements for our
Online Banking service. If you are an individual or sole proprietor, you are
the only member under this agreement. However, any of the accounts to which you
have access through our Online Banking service may be jointly owned with, or
joint obligations with, others.
Qualifying Accounts
We will tell you which types of accounts qualify
for our Online Banking service. You must be a named owner/obligor on the
account in our records for it to qualify. Any account requiring more than one
signature for withdrawal, draw or transfer of funds does not qualify. You agree
to provide us with any authority we require before we permit access to any
qualifying account.
How to Use Our Online Banking Service
Please refer to the online help and
instructions on how to use our Online Banking service. These instructions are
part of this agreement.
Types of Online Banking Services
You, or someone you have authorized by
giving them your access code,
can instruct us to perform the following transactions:
·
Transfer funds
between qualifying accounts;
·
Obtain information
that we make available about qualifying accounts; and
·
Obtain other
services or perform other transactions that we allow.
Preauthorized Recurring Fund Transfers
To the extent we make them available, you
authorize us to establish preauthorized recurring fund transfers in accordance
with the requests you make for us to do so. We will only allow preauthorized
recurring fund transfers that do not vary in amount.
Communications Link
and Your Equipment
It is your responsibility to obtain and
maintain your online communications link to our Online Banking service to
ensure that your use of such communications link is in compliance with
applicable requirements, including any requirements of telecommunications
companies and authorities. You are responsible for obtaining, installing,
maintaining and operating all hardware, software and Internet access services
necessary for obtaining our Online Banking service.
Limits on Online Funds Transfers
You must have enough available money or
credit in any account from which you instruct us to make a transfer. All
transfers must be in U.S. Dollars.
For security reasons, we may implement
limits on the number or amount of transactions you can make using our Online
Banking service. We also reserve the right to limit or suspend access to our
Online Banking service as we deem necessary for security reasons. We may also
limit access from countries other than the United States of America.
If any qualifying accounts are money market
accounts or savings accounts, certain types of withdrawals from those accounts,
including payments and transfers, are limited to a total of no more than 6 in
any specified period. The specified period for money
market accounts and savings accounts is a calendar month. The kinds of
withdrawals covered by this limitation are those made by means of preauthorized
or automatic transfers and payments or telephone agreement, order or
instruction.
When Online Funds Transfers are Made
Transfers are not final at the time we
receive your instructions, but we will begin to process them promptly. You
should allow at least 1 business day for us to process transfers.
Each transfer will be posted to any account
with us from which it is made, and to any other account with us that is
involved in the transaction, on the business day on which the transfer is made.
Each transfer you make on a non-business day, or after our Online Banking
cut-off time on any business day, will be considered made on the following
business day. Information you obtain about your accounts using our Online
Banking service may not reflect transactions that have not yet been posted to
your accounts. You should keep that in mind when you perform or attempt to
perform any transactions on the basis of such information.
Our Liability for Failure to Complete
Transfers from Consumer Accounts
If we do not complete a transfer from a
consumer account on time or in the correct amount according to our agreement
with you, we may be liable for your losses or damages. However, there are
exceptions. We will NOT be liable, for instance:
·
If, through no fault
of ours, you do not have enough available money in the account from which a
transfer is to be made, or if the account has been closed or is not in good
standing, or if we reverse a transfer because of insufficient funds.
·
If any transfer would
go over the credit limit of any account.
·
If your equipment or
ours was not working properly and the breakdown should have been apparent to
you when you attempted to conduct the transaction.
·
If you have not
given us complete, correct or current account numbers or other identifying
information so that we can properly credit your account or otherwise complete
the transaction.
·
If you do not
properly follow our instructions or if you provide us with wrong or inaccurate
information or fail to correct or tell us about any inaccuracy of which you are
aware.
·
If you do not
instruct us soon enough for your transfer to be received and credited.
·
If the money in the
account from which a transfer is to be made is subject to legal process or
other claim restricting the transaction.
·
If circumstances or
persons beyond our control prevent, delay, intercept, or alter the transaction,
despite reasonable precautions that we have taken.
Business Days
Our Online Banking service is generally
available 24 hours a day, 7 days a week.
Stopping or Changing Transfers
If you want to stop or change transfers you
have instructed us to make, you must notify us before we have started
processing the transaction. This applies to both individual transactions as
well as preauthorized recurring transactions. The normal way to do this is for
you to access the appropriate function in our Online Banking service no later
than the day before the business day the transfer is scheduled to be made, and
either delete it or make the change.
You may also
call or write us at:
Member Services
866-750-0100
Mailing Address:
P. O. Box 1172, Toms River, NJ 08754
or by using any electronic stop payment method which we
provide for this purpose. If you call or write, you must do this in time for us
to receive your request 3 business days or more before the transfer is
scheduled to be made. If you call, we may also require you to put your request
in writing on paper and get it to us within 14 days after you call.
If you order us to stop a preauthorized
recurring transfer from a consumer account as described above, and we do not do
so, we will be liable for your losses or damages.
Make a Stop Payment
Request
A stop payment on a check may be made, unless First
Financial has already paid, certified, or accepted it. The Stop Payment Order for a check will be
effective for a period of six (6) months from the date of the request and may
be renewed in writing from time to time.
You will be required to pay to the Credit Union a stop payment fee for
each request in accordance with the Credit Union’s fee schedule in effect at
the time of that request. By doing so,
you are agreeing to indemnify and hold the Credit Union harmless from any and
all costs, including attorney’s fees (to extent permitted by law), damages or claims
related to the Credit Union’s action in refusing payment of the item, including
claims of any joint owner, payee or endorsee, or in failing to stop payment of
an item as a result of incorrect information provided by you or on your
behalf. You represent that the item
description, the date, its exact amount, the item number, and the payee are
correct as shown. You understand that
the exact information on the item is necessary for the Credit Union’s data
processing system to identify the item in question. You agree that the Credit Union will not be
responsible for stopping payment unless the Stop Payment Order is received by
the Credit Union within a reasonable time for the Credit Union to act upon my
order. You understand that this Stop
Payment Order is conditioned upon and subject to the Credit Union’s
verification that the item involved has not already been paid or some other
action to pay the item has not been taken.
Statements
Your funds transfers will be indicated on
the monthly statements we provide or make accessible to you for the accounts
with us that are involved in the transaction. We may also provide or make
accessible to you statement information electronically or by some other means.
You agree to notify us promptly if you change your address or if you believe
there are any errors or unauthorized transactions on any statement or in any
statement information.
Online Banking Fees
There is no fee for our Online Banking
service.
Disclosure of Information to Others
See our separate “Privacy Notice Disclosure” for more
information about how we use member information and your choices.
Your Liability for Authorized Transactions
You are liable for all transactions that
you make or authorize, even if the person you authorize exceeds your authority.
If you have given someone your access codes and want to terminate that person’s
authority, you must notify us that transactions by such a person are no longer
authorized. We may have to change your access codes or take additional steps to
prevent further access by such person.
Notify us IMMEDIATELY
for Unauthorized Transactions
Tell us AT ONCE if you believe your access
codes have been lost, stolen or otherwise compromised or used without your
authorization. Quickly telephoning us is the best way of reducing your possible
losses. You could lose all the money in your account (plus your maximum
overdraft line of credit).
You may call or write us at:
Member Services
866-750-0100
Mailing Address:
P.O. Box 1172, Toms River, NJ 08754
If we provide you with another electronic
means of notifying us for this specific purpose, you may use that means.
However, DO NOT use a general e-mail service or other
electronic means that we have not specifically authorized for this purpose.
Your Liability for Unauthorized Transactions From Consumer
Accounts
This section applies only to transactions
from consumer accounts.
If you tell us within 2 business days after
you learn of the loss or theft of your access codes involving a consumer
account, you can lose no more than $50.00 if someone used them without your
authority.
If you do NOT tell us within 2 business
days after you learn of the loss or theft of your access codes, and we can
prove that we could have stopped someone from using them without your authority
if you had told us, you could lose as much as $500.00.
Also, if your statement for a consumer
account shows transfers covered by this agreement that you did not make or
authorize, tell us at once. If you do not tell us within 60 days after the
statement was mailed to you, you may not get back any money lost after the 60
days if we can prove that we could have stopped someone from taking the money
if you had told us in time.
If a good reason (such as a long trip or
hospital stay) kept you from telling us, we will extend the time periods.
Transfers Involving Insufficient Funds
If you instruct us to make a transfer and
you do not have a sufficient balance in the account from which you are making
the transfer (including available credit under any overdraft line), we may
refuse to complete the transaction. We may do this even if there are sufficient
funds in accounts other than the one you were using to make the transfer. If we
complete a transfer that you make or authorize and we subsequently learn that
you have insufficient funds for the transaction in the account from which the
transfer is made, you agree that we may reverse the transaction or offset the
shortage with funds from any other account you have with us. In any case, you
are fully obligated to us to provide sufficient funds for any transfers you
make or authorize.
If we do not make a transfer, or if we
reverse a transfer, because of insufficient funds, we are not required to make
any further attempt to process the transfer or to notify you that the transfer
has not been completed. You may be liable for a non-sufficient funds fee under
the terms governing the account from which you made, or attempted to make, the
transfer.
In Case of Errors or Questions About Transactions Involving Consumer Accounts
This section applies only to transactions
covered by this agreement and that involve consumer accounts.
You may call or
write us at:
Member Services
866-750-0100
Mailing Address:
P.O. Box 1172, Toms River,
NJ 08754
as soon as you can, if you think your statement is wrong or
if you need more information about a transfer covered by this agreement which
is listed on the statement.
We must hear from you no later than 60 days
after we sent the FIRST statement on which the problem or error appeared.
·
Tell us your name
and account number (if any).
·
Describe the error
or transfer you are unsure about, and explain as clearly as you can why you
believe it is an error and why you need more information.
·
Tell us the dollar
amount of the suspected error.
If you tell us orally, we may require that
you send us your complaint or question in writing so that we receive it within
10 business days.
We will determine whether an error occurred
within 10 business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to 45 days to
investigate your complaint or question. If we decide to do this, we will
provisionally credit your account within 10 business days for the amount you
think is in error, so that you will have the use of the money during the time
it takes us to complete our investigation. If we ask you to put your complaint
or question in writing and we do not receive it within 10 business days, we are
not required to provisionally credit your account.
For errors involving new accounts,
point-of-sale, or foreign-initiated transactions, we may take up to 90 days to
investigate your complaint or question. For new accounts, we may take up to 20
business days to provisionally credit your account for the amount you think is
in error.
When the investigation is completed, we
will make any necessary or appropriate adjustments to your account. We will
tell you the results within 3 business days after completing our investigation.
If we decide that there was no error or the error was different than you
described, we will send you a written explanation. You may ask for copies of
the documents that we used in our investigation.
Changing Terms and Terminating This
Agreement
This agreement will stay in effect until it
is changed or terminated.
We have the right to terminate this
agreement at any time. We will ordinarily send you notice of any termination,
but we are not required to do so unless applicable law requires such notice.
Once we terminate this agreement, no further or pending transfers will be made,
including but not limited to any transfers scheduled in advance or any
preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service
within the first 30 days after activation or if the service has been inactive
for a year.
We also have the right to make changes in
this agreement at any time. We will comply with any notice requirements under
applicable law for such changes. If applicable law does not specify any notice
requirements for the change, we will decide what kind of notice (if any) we
will give you and the method of providing any such notice.
You may terminate this agreement at any
time by notifying us in writing. However any instructions from you to make
transfers will continue in effect until we have received your written notice of
termination and have had a reasonable opportunity to act upon it. Once we have
acted upon your notice, no further or pending transfers will be made, including
but not limited to any transfers scheduled in advance or any preauthorized
recurring transfers.
You are not permitted to alter or amend
this agreement or any related document without our express written consent. Any
attempt to do so will be void and unenforceable.
Waivers
No delay or omission by us in exercising
any rights or remedies under this agreement or applicable law shall impair such
right or remedy or be construed as a waiver of any such right or remedy. Any
single or partial exercise of a right or remedy shall not preclude further
exercise of that right or remedy or the exercise of any other right or remedy.
No waiver shall be valid unless in a writing enforceable against us.
Notices and Communications
Except as otherwise provided in this
agreement, all notices required to be sent to you will be effective when we
mail or deliver them to the last known address that we have for you in our
records or when we make such notices available to you through electronic means.
All notices and communications sent by you to us will be effective when we have
received them and have had a reasonable time to act on them. You agree to
notify us promptly of any change in your mailing address, e-mail address or
telephone number.
Recording
You agree that we may tape record any
telephone conversations you have with us regarding the services covered by this
agreement. However, we are not obligated to do so and may choose not to in our
sole discretion.
Attorney Fees
If we become involved in legal action to
defend or enforce this agreement, you agree to pay our reasonable attorney fees
and court costs, to the extent not prohibited by law.
Law That Applies
Regardless of where you live or work or
where you access our Online Banking service, this agreement is subject to the
federal law of the United States of America and the internal law of the State
of New Jersey. If any of the terms of this agreement cannot be legally
enforced, they will be considered changed to the extent necessary to comply
with applicable law.
THE FOLLOWING SPECIAL PROVISIONS APPLY ONLY
TO BUSINESS ENTITIES OR INDIVIDUALS PERFORMING TRANSACTIONS FROM BUSINESS
ACCOUNTS:
If You Are a Business Entity
If you are a corporation, partnership,
limited liability company, association or some other
form of business entity, we will issue one set of access codes to a company
representative. Using Online Banking you have the With
access you will have the ability to:
·
Make transfers from
qualifying accounts, regardless of the dollar amount of the transaction.
·
Make transfers
regardless of whether he/she is otherwise an authorized signer or an obligor on
any accounts that are accessed.
·
Obtain information
that we make available about qualifying accounts.
·
Obtain other
services or perform other transactions that we authorize or allow.
·
Allow anyone else to
use those access codes to make transfers or obtain information or other
services.
Your Liability for Transactions From Business Accounts
You are liable for all transactions that
you make or authorize. Our system supporting our Online Banking service is
designed so that it may be operated only upon entry of valid access codes.
Since we condition access upon entry of valid access codes, we will accept
instructions for transfers or other transactions from any person using valid
access codes. This is so even if the person obtaining access:
·
Is not a company
representative.
·
Does not have your
authority.
·
Is an imposter or
thief.
You agree to be bound by all transactions
from any business account for which valid access codes were used. You authorize
us to treat any instructions we receive using valid access codes as if the
instructions had been made in writing and signed by the appropriate company
representative. Unless there is substantial evidence to the contrary, our
records will be conclusive regarding any access to, or action taken through,
our Online Banking service.
You agree to promptly examine all account
statements and any confirmations of transfers which we or other financial
Institutions may send or make available to you, and to promptly notify us of
any discrepancy or error within 30 days of receipt of any such statement or
confirmation.
You may call or
write us at:
Member Services
866-750-0100
Mailing Address:
P. O. Box 1172, Toms River,
NJ 08754
as soon as you can, if you think your statement is wrong or
if you need more information about a transfer covered by this agreement which
is listed on the statement.
Limitations on Our Liability in Connection
with Business Accounts
We will make every reasonable effort to
provide full performance of our Online Banking system, and on a timely basis to
resolve disputes that may arise. We will only be responsible for acting on
instructions that we actually receive. We cannot assume responsibility for any
malfunctions or capacity reductions or other problems in your equipment or in
public communications networks not under our control that may affect the
accuracy or timeliness of transactions you perform. Our only liability is to
correct errors within our control. We are not responsible or liable to you for
any loss, damage or injury caused by our Online Banking system. Neither will we
be liable for any consequential, incidental, special, indirect or punitive loss
or damage, including but not limited to dishonor of checks or other items or
expenses which you may incur or suffer by reason of this agreement or the
services we provide, whether or not the possibility or likelihood of such loss,
damage, or expense is known to us.
WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED,
IN CONNECTION WITH THE SERVICES WE PROVIDE YOU UNDER THIS AGREEMENT, INCLUDING,
WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE.
Other Services
We may provide you other services through
our on-line banking platform which are not covered under this agreement. These services will have a separate agreement
with specific terms and conditions.
Security Procedures
By entering into this agreement and using
our Online Banking service to perform transactions from business accounts, you
agree to comply with all of our present and future security procedures with
respect to transactions and services covered by this agreement. This includes,
but is not limited to, protection of access codes and other personal and
business information. Our security procedures are contained in this agreement
and in other written procedures we may provide to you.
You acknowledge receiving a copy in writing
of our current security procedures in this agreement and other documents we may
provide to you. You agree that our current security procedures are commercially
reasonable in the context of your business operations. We may at any time
change our security procedures. We may advise you of such changes to the extent
they affect your use of transactions and services under this agreement, but
failure to do so will not affect your obligations or our rights. You agree to
give all of our security procedures the highest level of confidentiality and to
ensure that no access codes are used by or accessible to anyone other than
persons you have authorized.
Notwithstanding any security procedure
which may from time to time be in effect for detecting errors in transactions
covered by this agreement, we have no duty to discover or report to you any
such errors. Neither shall we be liable to you for the failure of such security
procedure to detect such errors, regardless of the manner in which we apply
such security procedures.
Indemnification
If you are a business entity or an
individual performing transactions from a business account, you agree to
indemnify us and hold us harmless from and against any and all claims, demands,
expenses (including but not limited to reasonable attorney fees and costs),
losses or damages claimed by any third parties (including but not limited to
any company representatives or other persons authorized to perform
transactions) arising out of (i) any transactions or
attempted transactions covered by this agreement from a business account or
(ii) your breach of this agreement.
END OF SPECIAL PROVISIONS THAT APPLY ONLY
TO BUSINESS ENTITIES OR INDIVIDUALS PERFORMING TRANSACTIONS FROM BUSINESS
ACCOUNTS
MOBILE BANKING SERVICE – This section applies to members performing
transactions from a mobile device.
Mobile Banking is offered as a convenience and supplemental service to our
Online Banking services. It is not intended to replace access to Online Banking
from your personal computer or other methods you use for managing your accounts
and services with us. Mobile Banking allows you to access your First Financial
FCU account information, use bill pay, transfer funds between your accounts and
conduct other banking transactions. To utilize the Mobile Banking Service, you
must be enrolled in Online Banking and then activate your Mobile Banking Device
inside Online Banking.
We reserve the right to limit the types and number of accounts eligible and the
right to refuse to make any transaction you request through Mobile Banking. We
may also reserve the right to modify the scope of the Mobile Banking Service at
any time.
Mobile Banking may not be accessible over some network carriers. In addition,
the Mobile Banking Service may not be supportable for all Devices. First
Financial FCU cannot guarantee and is not responsible for the availability of
data services provided by your mobile carrier, such as data outages or
"out of range" issues.
In order to properly use Mobile Banking, you should review and follow the
instructions provided on our website www.firstffcu.com. You agree
to accept responsibility for learning how to use Mobile Banking in accordance
with the online instructions and agree that you will contact us directly if you
have any problems with Mobile Banking. We may modify the Mobile Banking Service
from time to time at our sole discretion. In the event of any modifications,
you are responsible for making sure you understand how to use Mobile Banking as
modified. You also accept responsibility for making sure that you know how to
properly use your Device and we will not be liable to you for any losses caused
by your failure to properly use the Mobile Banking Service or your Device.
You agree that, when you use Mobile Banking, you remain subject to the terms
and conditions of your existing agreements with any unaffiliated service
providers, including, but not limited to, your mobile service provider and that
this Agreement does not amend or supersede any of those agreements. You
understand that those agreements may provide for fees, limitations and
restrictions which might impact your use of Mobile Banking (Such as data usage
or text messaging charges imposed on you by your mobile service provider for
uses of or interaction with Mobile Banking), and you agree to be solely
responsible for all such fees, limitations, and restrictions. You agree that only
your mobile service provider is responsible for its products and services.
Accordingly, you agree to resolve any problems with your provider directly
without involving us.
Any deposit account, loan or other banking product accessed through this Mobile
Banking Service is also subject to the Account Agreements and Disclosures
provided at time of Account opening. You should review the Account disclosures
carefully, as they may include transaction limitations and fees which might
apply to your use of Mobile Banking.
Permitted Mobile Banking Transfers
You may use the Mobile Banking Service to transfer funds between your eligible
First Financial FCU accounts (Internal Transfer). You may not transfer to or
from an Account at another financial institution using our Mobile Banking
Service.
Federal regulations require financial institutions to limit the way withdrawals
may be made from a savings or money market account. Each transfer from a
savings or money market account using Mobile Banking is counted as one of the
six limited transactions permitted each monthly statement cycle period, as
described in the Deposit Account Agreement and Disclosures.
We may also limit the type, frequency and amount of transfers for security
purposes and may change or impose limits without notice, at our option.
Responsibilities
Account Ownership/Correct Information: You represent that you are the legal
owner of the Accounts and other financial information which may be accessed
using Mobile Banking. You represent and agree that all information you provide
to us in connection with Mobile Banking is accurate, current and complete, and
that you have the right to provide such information to us for the purpose of
using Mobile Banking. You agree not to misrepresent your identity or your
account information. You represent that you are an authorized user of the
Mobile Device you will use to access Mobile Banking.
Security
You agree to take every precaution to ensure the safety, security and integrity
of your account and transactions when using Mobile Banking. You agree not to
leave your Mobile Device unattended while logged into Mobile Banking and to log
off immediately at the completion of each access by you. You agree not to
provide any of your access information to any unauthorized person. If you
permit other persons to use you Mobile Device, login information or any other
means to access Mobile Banking, you will be held responsible for any
transactions they authorize and we will not be liable for any damages resulting
to you.
We make no representations that Mobile Banking
will be available for use in locations outside of the United States. Accessing
Mobile Banking from locations outside of the United States is at your own risk.
Conduct
You agree not to use Mobile Banking or the content or information delivered
through Mobile Banking in any way that would be considered illegal.
Indemnification
Unless caused by our intentional misconduct or gross negligence, you agree to
indemnify, defend and hold harmless First Financial FCU its officers,
directors, employees, consultants, agents, service providers, and licensors
from any and all third party claims, liability, damages, expenses and costs
caused or arising from (1) a third party claim, dispute, action, or allegation
of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Mobile
Banking Service; (2) your violation of any law or rights of a third party;
or (3) your use, or use by a third party of Mobile Banking.
Disclaimer
- Your
cell phone or mobile device must be equipped to access an Internet
browser.
- Additional
charges may apply for Internet usage depending on your wireless carrier.
- Please
consult your wireless provider/carrier for details on correlated rates and
charges.
- All
terms and conditions applicable to Online Banking may apply to mobile
banking.
E-SIGN DISCLOSURE - Consent
to Conduct Transactions Electronically and to Receive Electronic Disclosures
and Notices
This
disclosure documents your consent to conduct transactions electronically and to
electronically receive disclosures and notices relative to Online Banking. The
disclosure also describes your rights relative to conducting transactions
electronically and to electronically receiving disclosures and notices, as well
as the consequences of withdrawing your consent. We recommend you print and
retain a copy of this disclosure and all the disclosures and agreements related
to this transaction.
Once
you consent, you will be able to access and use the Online Banking Product. If
you do not consent, you will not be able to establish Online Banking.
You
understand, prior to consenting, that:
1. Your consent applies
only to disclosures and notices regarding Online Banking;
2. Unless you consent,
you have the right to receive all required disclosures in paper or
non-electronic form;
3. Even after consent,
if you want to receive a paper copy of the disclosure in addition to the
electronic disclosure you can obtain one free of charge by calling us or
writing us at the number or address listed below;
4. You can withdraw
your consent at any time by calling us or writing us at the number or address
listed below; and
5. By consenting to
conduct transactions and receive disclosures and notices electronically you
agree to provide us with the information (such as current email address) needed
to communicate with you electronically and update us as to any changes in such
information by calling or writing us at the number or address listed below.
We
reserve the right to provide any disclosures or notices in writing, rather than
electronically. Except as otherwise provided in this or other agreements,
by law, or on our website, you cannot give us notices electronically, and all
notices from you must be in writing.
Hardware
and Software Requirements
The
minimum computer hardware and software requirements to receive and keep the
electronic disclosures and notices are a computer and modem or other device
capable of accessing the Internet and the ability to receive HTML files; an
active “Internet Service Provider”; a web browser that supports SSL 2.0 or SLL
3.0 encryption; the ability to download or print agreements and disclosures;
and, Adobe Acrobat Reader software.
Contact
Information
866-750-0100
First Financial Federal Credit Union
PO Box 1172
Toms River, NJ 08753
Consent
By
clicking “I Accept” you consent to receive disclosures and notices
electronically for Online Banking and to the terms and conditions as described
above.
Consent
and Acceptance of the Online Banking Agreement
You agree to all of
the provisions of this agreement (to the extent applicable as provided in this
agreement) by any and all of the following means:
·
Using our Online
Banking service to perform any transactions and by clicking “I Accept”.
Your electronic consent or use of our
Online Banking service has the same effect as if you had signed this agreement
with your physical signature or that of your authorized company representative.
Your electronic consent or use of our Online Banking service is also your
acknowledgement that you have received a copy of this agreement in electronic
form.