DISCLOSURE REQUIRED BY FEDERAL LAW
READ AND SCROLL DOWN
ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT
Welcome to the Saco & Biddeford Savings Institution’s Personal Online Banking Service (the “Service”). As part of the enrollment process and in order to use the Service, you must agree to the terms and conditions governing the use of the Service (such terms and conditions being the “Personal Online Banking Service Agreement & Disclosure”). To enroll in the Service, you must agree to receive a copy of the Personal Online Banking Service Agreement & Disclosure and other “Materials” (as defined below) electronically. We will need your consent to provide you with these Materials electronically. Therefore, please review the terms of this Electronic Records Disclosure and Agreement (the “Agreement”) prior to giving your consent, and retain a copy of this Agreement for your records.
Materials You Will Receive Electronically. By providing your consent under this Agreement, you agree that Saco & Biddeford Savings Institution (the “Bank”) will provide you with the following documents and information (the “Materials”) solely in electronic form:
- The Bank’s Personal Online Banking Service Agreement & Disclosure, which includes certain content regarding the electronic fund transfers you may make through the Service;
- Any addenda or supplement to the Personal Online Banking Service Agreement & Disclosure provided to you when you enroll for additional products or services related to the Service that we may offer to you from time to time; and
- Notices of any amendments or changes to the Personal Online Banking Service Agreement & Disclosure or other Materials.
Your Consent is Required. You must consent to receiving these Materials before we can provide them to you electronically. Your consent will apply to your enrollment in the Service and any Materials we provide or make available to you.
Paper Copy of Materials. If you do not want to receive the Materials electronically, you should exit this area of our web site. If you do not consent to receiving an electronic copy of the Materials, we will not be able to enroll you in the Service. If you consent to receive the Materials electronically, you can also request a paper copy of the Materials by contacting our Customer Care Department by phone at 1-877-722-6243. We will not charge you any fees for providing a paper copy of the Materials.
Withdrawing Your Consent. If you later decide you do not want to receive the Materials electronically, you may withdraw your consent by contacting our Customer Care Department by phone at the number listed above. If you withdraw your consent, however, you may no longer use the Service.
Updating Your Contact Information. If you consent to receive the Materials electronically, we will contact you at the email address you have provided to us. Please be certain that we have your correct and updated email address. If you change your email address, you may provide your new email address to us by contacting our Customer Care Department by phone at the number listed above.
System Requirements to Access the Information. To receive an electronic copy of the Materials, you must have the following equipment and software:
- You must have a personal computer or other access device, which is capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider). Your access to this page verifies that your system meets these requirements.
- Any computer with internet connection and supports a current stable version of Google Chrome, Mozilla Firefox, Microsoft Edge or Apple Safari. For all browsers, enable JavaScript, cookies and TLS 1.2. Your access to this page verifies that your browser and encryption software meet these requirements.
System Requirements to Retain the Information. To retain a copy of the Materials being provided to you electronically, you must be able to print them. You must have a functioning printer connected to your personal computer or other access device, which is able to print the Materials on plain white 8½ x 11 inch paper.
Systems Enhancements. If the form of the Materials changes to as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either terminate the Service or upgrade your hardware and/or software as required by the Systems Enhancement. If the Bank determines that the need for a Systems Enhancement creates a material risk that you may not be able to access or retain the Materials electronically, the Bank will notify you and allow you to either: (a) withdraw your consent to the Service or (b) re-confirm your consent to receive the Materials in a manner that reasonably demonstrates that you have upgraded your hardware or software to conform to the required Systems Enhancement.
Consent. By checking the box you give your affirmative consent to our providing electronic Materials to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current email address at which we may send electronic Materials to you.
SACO & BIDDEFORD SAVINGS INSTITUTION
PERSONAL ONLINE BANKING SERVICE AGREEMENT & DISCLOSURE
(Including Electronic Funds Transfers – Your Rights & Responsibilities)
PLEASE READ THESE TERMS CAREFULLY. BY ENROLLING IN THE PERSONAL ONLINE BANKING SERVICE, YOU AGREE TO THE TERMS AND CONDITIONS. BY USING THE PERSONAL ONLINE BANKING SERVICE, YOU ACKOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS.
1. Scope of Agreement. This Personal Online Banking Service Agreement & Disclosure (the “Agreement”) governs your use of Saco & Biddeford Savings Institution’s Personal Online Banking Service (the “Service”), as well as any transactions that you may initiate or request through the Service (the “Online Transactions”). By subscribing to or using the Service, you agree to the terms and conditions in this Agreement and (after their effective date) any changes in such terms and conditions, as they apply to your use of the Service.
This Agreement does not cover transfers you may make at one of our branch locations, through an automated teller machine (“ATM”) or through a telephonic individual voice response system (an “IVR”). This Agreement also does not cover online transactions for commercial, non-profit or public entity customers. We are providing you with this Agreement in accordance with, and it is subject to, Applicable Law.
We offer certain additional services that supplement this Service, such as our online bill pay service (“Bill Pay”), our mobile banking service (“Mobile Banking”), and the electronic delivery of periodic account statements (“eStatements”). We reserve the right to add additional services, or to discontinue existing ones, at any time in our sole discretion. Your enrollment in these additional services is optional. Each of these additional services is governed by separate terms and conditions. If you elect to enroll in one or more of these additional services, you must agree to those terms and conditions when you enroll. The terms and conditions for these additional services are each considered an addendum to this Agreement, and when you enroll, the terms and conditions for these additional services will be considered additional terms and conditions of this Agreement. Each is incorporated by their reference herein.
2. Definitions. In this Agreement, the following definitions apply:
a. The words “you” and “your” mean a Bank customer that has enrolled in the Service for use in connection with his/her Accounts established primarily for personal, family or household purposes.
b. The words “we”, “us”, “our” and “Bank” mean Saco & Biddeford Savings Institution.
c. The word “Account(s)” means any Personal Deposit Account(s) or Consumer Loan(s) that you may have with us and to which you have access through the Service.
d. The words “Account Agreements” shall mean collectively the terms and conditions of any Consumer Loan Agreements, Deposit Account Agreements, Fee Schedule, and any other agreements, security instruments, disclosures, or other documents regarding your Accounts with us, each as may be applicable and amended from time to time.
e. The words “Applicable Law” mean the laws of the State of Maine and, to the extent applicable, federal laws and regulations.
f. “Business Day” means Monday through Friday, unless otherwise required by Applicable Law; holidays are not included. Saturday and Sunday are not Business Days for the purpose of this Agreement even if Bank is open for business.
g. The word “Computer” means your computer or other Internet access device, any software, and the related equipment.
h. The words “Consumer Loan(s)” mean any home equity line of credit, home equity loan, installment loan, line of credit, or mortgage that you maintain with us that was established primarily for personal, family or household purposes.
i. The words “Consumer Loan Agreements” shall mean collectively the promissory notes, credit agreements, mortgages, security instruments, and any other documents, disclosures, or agreements that you execute or otherwise agree to that establish your rights and responsibilities under, and otherwise provide the terms and conditions of, your Consumer Loan Agreements with us.
j. The words “Deposit Account Agreements” shall mean collectively the Bank’s Depositor Information Booklet (which includes, e.g., general Account terms, the Bank’s Funds Availability Disclosure, Electronic Fund Transfers Disclosure and Truth-in-Savings Disclosure), and the Bank’s Fee Schedule, each as amended from time to time.
k. The words “Electronic Fund Transfer” (or “EFT”) are used in this Agreement as defined in the Electronic Fund Transfer Act (15 U.S.C. §§ 1693 et seq.) and Bureau of Consumer Financial Protection Regulation E (12 C.F.R. Part 1005), each as may be amended from time to time, to mean a transfer of funds initiated by a computer to or from your Personal Deposit Account(s) with us.
l. The words “Fee Schedule” mean the Bank’s list of fees and charges applicable to the Deposit Account(s) that you open and maintain with us (currently known as “Notice of Account Fees”).
m. The words “Linked Accounts” mean the following, which you have linked to the Service:
i. Personal Deposit Accounts on which you are either:
1. An individual owner; or
2. An owner entitled to individually withdraw all of the funds in the Account at any time; and
ii. Consumer Loan(s) on which you are a borrower.
n. The words “Mobile Device” means a phone, tablet or other equipment associated with a provider of telecommunication services whose network allows secure SSL traffic using technology that supports the Mobile Banking Service.
o. The words “Mobile Transactions” mean those Online Transactions (as listed in Section 9 of the Agreement) that you may initiate through a Mobile Device. Unless otherwise indicated, all Online Transactions may be initiated through a Computer or Mobile Device. See Section 9 for discussion of additional limits that may apply to your Mobile Transactions.
p. The words “Personal Deposit Account(s)” mean any checking account, money market account, savings account, certificate of deposit, individual retirement account, or other deposit account that you have with us that was established primarily for personal, family or household purposes.
q. The words “Transfer Instructions” mean the information you provide to us through the Service regarding the amount of funds that you would like to transfer between your Linked Accounts using the Service.
Any terms that are not defined in this Agreement have the same meaning as in your Account Agreements, as applicable, and each as may be amended from time to time.
3. Related Agreements. In addition to this Agreement, your Linked Accounts are also governed by the terms and conditions of any Account Agreements provided to you regarding your Accounts with us. The terms and conditions of your Account Agreements, each as may be amended from time to time, are incorporated into this Agreement by their reference herein. This Agreement amends and supplements the terms and conditions of your Account Agreements as it regards the Service and any Online Transactions that may be initiated through the Service. Should there be any conflict between the terms and conditions of this Agreement and your Account Agreements, this Agreement shall control to the extent of the inconsistency.
4. You Agree. You may use the Service to perform certain Online Transactions as described below. By using the Service, you agree to the terms and conditions in this Agreement and (as of their effective date) any changes in such terms and conditions that apply to your use of the Service. If you do not agree with the terms and conditions contained in this Agreement (as may be amended from time to time), you may not use the Service. By using the Service, you consent to the electronic transmission of financial information. Your consent will be deemed effective for as long as you use the Service.
You understand and agree that each owner of a jointly-owned Linked Account:
a. has consented to have such Account be a Linked Account;
b. is jointly and severally liable under this Agreement; and
c. agrees that we may act on the Transfer Instructions or other instructions of any joint owner concerning the Linked Account(s) without the consent of any other person.
5. Computer and Mobile Device Requirements. In order to use the Service, you will need the type of Computer and/or Mobile Device and related equipment described to you during the enrollment process. You are responsible for the installation, maintenance and operation of your Computer and Mobile Device. We are not responsible for any errors or failures caused by any malfunction of your Computer or Mobile Device, and we are not responsible for any computer virus or related problems that may be associated with the use of the Service, your Computer, Mobile Device or other Internet access. We strongly encourage you to routinely scan your Computer and Mobile Device using reliable virus protection products, and to remove any viruses found using such products.
You are also responsible for all telephone (including wireless charges), wireless data service charges and other similar charges incurred in connecting to the Service and for charges by any Internet service provider or wireless service provider you utilize to obtain access to the Internet and/or to use the Service.
From time to time we may require that you upgrade or install software to your Computer or your Mobile Device in order to ensure the proper operation of the Service. You agree to promptly load any such upgrades or additional installations upon our notice to you.
The Service may include the use of our proprietary software and/or the proprietary software of our licensors. If we have provided you with software to use with the Service, you are being granted a non-exclusive, non-transferable license to use this software and only for your personal, non-commercial use as provided in this Agreement. You may not disassemble, de-compile, copy, modify, reverse engineer, sell or distribute any of the Service or information or allow anyone else to do so.
The Service gives you access to services and information which may be presented with a distinctive “look and feel.” These services, information and “look and feel” are our proprietary property. You may not reproduce, sell or distribute all or any portion of the Service.
6. Enrollment In and Use of the Service. To enroll in the Service, you must have at least one Personal Deposit Account or Consumer Loan with the Bank. You may enroll in the Service at a branch or by completing our automated enrollment process. During the enrollment process, you may be asked to provide certain information, including but not limited to your:
a. Personal Deposit Account or Consumer Loan Account Number
b. Account Type
c. First Name
d. Last Name
e. Date of Birth
f. Zip Code
g. Last 4 digits of your social security number
If your application to enroll is approved, you will be assigned or asked to select a User ID and a temporary Password. During your initial log-in, you will be asked to choose a new Password to continue. You agree that when you change your Password, you will do so in accordance with Section 7 of this Agreement and any other guidance or instructions that we may provide to you under this Agreement or that may be posted on the Service.
Your enrollment in the Service may not be approved if we cannot verify your identity or other necessary information. You agree that we may obtain financial information regarding your Account(s) from another financial institution (for example, to resolve payment posting issues or for verification purposes). We also reserve the right to verify any of the information you provide to us in connection with the Service.
You must be enrolled in the Service to use a Mobile Device to access the Service to make Mobile Transactions. You must separately enroll with us to be able to make Mobile Transactions with your Mobile Device. You agree that you will provide us with all information that we request during this enrollment process, and to inform us of any changes to the information you provided during the enrollment process.
7. Your User ID and Password. You understand and agree that your User ID and Password, in conjunction with any other security procedures, are exclusively for your use to authenticate you to us when using the Service. You agree that we may rely on your User ID and Password to identify you when you use the Service, and to consider it as the equivalent of your signature authorization for any Online Transactions you initiate through the Service.
You may change your Password at any time. When doing so, you agree that you will not use combinations that are easily guessed (such as your birth date, phone number, or social security number) and to otherwise comply with Section 8 of this Agreement. You also agree to follow any requirements that we may have for your User ID and Password (for example, if we have a minimum number of characters, require that a particular letter character be capitalized, or require one of the characters to be a number). We will inform you of any such requirements when changing your Password in the Service.
Except as is more fully discussed elsewhere in this Agreement and your Account Agreements, you understand and agree that you are responsible for all transfers and payments made through the Service. You agree not to give your Password, or make it available, to any other person. Notwithstanding the foregoing, you acknowledge and agree that if you nonetheless permit another party to use your User ID and Password to access the Service, or otherwise authorize them to use the Service, you are responsible for any and all Online Transactions that such party makes from your Account, even if it exceeds your authorization. You understand and agree that we may follow and comply with any Transfer Instructions entered using your User ID and Password.
8. Security Procedures. You agree to adhere to the following minimum security procedures when using the Service:
a. Encryption. Online Banking may be used with various Internet browsers as we may specify from time to time. To provide the highest degrees of confidentiality and to protect the security of your financial information, your Internet browser must support a certain level of encryption as we may specify from time to time. We strongly recommend that you protect your financial information by using the most secure encryption possible. If you elect to use a browser with a lower level of encryption than that required by us, that will imply your acceptance of the related risk.
b. User ID and Password. You agree not to share your User ID or Password with anyone, and not to store such information in a conspicuous place. If you permit other persons to use your User ID and Password to access the Service, you are responsible for any resulting Online Transactions from your Accounts. We will not be liable for and will not reimburse you for any losses that may occur as a result of use of your User ID and Password by persons you have authorized. If your User ID or Password is entered incorrectly on three (3) consecutive access attempts, your access to the Service will be blocked. If this occurs, please contact us at the phone number listed in Section 32 to have your Password reset. Should you forget your Password and need assistance, a “forgot my password” link is available through the Service which will issue a one-time, temporary passcode to the phone number we have on file. A link is also available if you forget your User Name. You will be required to provide your Account number, first name, last name and Social Security Number. If that information provided accurately, your User Name will be displayed. The Bank strongly recommends that you change your password regularly. If you still need assistance, you may contact us at the phone number and/or address provided in Section 32 of this Agreement.
c. Advanced Login Authentication. Advanced Login Authentication (“ALA”) is a security procedure required at log-in. It combines the use of a User ID plus additional verifications, which may include device profiling, out of band authentication and out of wallet questions. To gain access to Online Banking, each verification step must be satisfactorily completed for a successful login. Additional information is provided in the Out of Band Authentication Terms of Use provided to you by us.
d. Third Party Computers; Public Use. You agree that if you access the Service from a Computer other than your own (such as a public computer terminal at a library) or if you use your Computer in a public location (such as a Wi-Fi enabled cafe), you will not leave it unattended while using the Service. You also agree that, in such situations, you will always end your session by clicking on the “Logout” button located near the top right portion of the screen.
e. Clear Your Cache. You agree to clear your browser’s cache on a regular basis in order to remove copies of web pages that may be temporarily stored on your system.
f. Safeguarding Your Mobile Device. If you use a Mobile Device to access the Service, you understand that there are additional safeguards that you must take to protect your Mobile Device. Although the Mobile Transactions initiated through the Service will not display the full account number for any of your Accounts, it will display other sensitive information about your Accounts, including balances and transfer amounts. Anyone with access to your Mobile Device, User ID and Password may be able to view this information. You also agree to abide by all user manuals, guides, instructions and other documentation (individually and collectively, the “Mobile Device Documents”) that your telecommunications company and/or Mobile Device manufacturer provide to you regarding the proper and appropriate use of your Mobile Device. Among other things, you agree that you will not “jailbreak” or otherwise tamper with the appropriate use of your Mobile Device as outlined in the Mobile Device Documents.
The Bank will not be liable to you for any losses that may result from your failure to follow these security procedures. We may change these security procedures from time to time at our discretion.
9. Online Transactions. You can use your Computer, User ID and Password to access the Service and perform the Online Transactions described below 24 hours a day, 7 days a week, except during any special or scheduled maintenance periods. These maintenance periods vary. We reserve the right to schedule these maintenance periods at any time and without advance notice to you. Additionally, we reserve the right to change the scope of the Service or to block the scope of the Service (in each case, without advance notice to you) to maintain or restore security to our website and systems if we reasonably believe your User ID and Password has been or may have been obtained and/or used by an unauthorized person(s).
Using the Service, you may perform the following Online Transactions:
a. Account Inquiries: You may review information regarding your Linked Accounts through the Service, including information on your Account transactions occurring during in the period up to the last 180 days (90 days, if you access the Service through a Mobile Device). Any balances shown will include a date as of which the balance is shown. This balance may not be your actual available balance, and it may include deposits that are still subject to verification by us. The balance shown may also differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals, payments, items in process, charges or unsettled debit card activity.
b. Consumer Loan Payments: You may provide us with Transfer Instructions requesting that we transfer funds from your Personal Deposit Accounts (other than certificates of deposit, individual retirement accounts (“IRAs”) and passbook accounts) that are Linked Accounts to the Service to make either one-time or recurring payments on those Consumer Loans you have with us that are Linked Accounts. Please limit the number of payments made from your savings or money market accounts in accordance with the transaction limitations for these accounts discussed in Section 10 below, and in your Deposit Account Agreements. Some limitations to the frequency of Consumer Loan transactions may apply.
c. Transfers: You may provide us with Transfer Instructions requesting that we make one time or recurring transfers of funds between your Linked Accounts. This includes the transfer of funds on deposit between your Personal Deposit Accounts (other than certificates of deposit and IRAs) that you have with us to one or more Personal Deposit Accounts (other than certificates of deposit and IRAs).
d. Stop Payments: You may request stop payment orders on checks drawn on your Personal Deposit Accounts. Stop payment orders are not immediate. Stop payment orders are subject to verification by the Bank. There is a service fee for each stop payment order. The amount of this fee is disclosed in the Bank’s Fee Schedule.
e. Financial Management (FM) Software: You may supplement the Service by use of a one-way connection (“Web Connect”) from the Service to certain FM software (e.g., Intuit’s QuickBooks and related products) which allows you to download Online Transactions and match them with existing transactions from your financial management software. Access to Account information through FM software must be done using an active User ID, Password and any other access devices or other secure method as may be required. If you choose to use FM software, you must purchase this software from the software manufacturer, or a retailer of your choice. Your use of the FM software is governed by the software license agreement(s) included with each software application. You must agree to the terms and conditions of the software license agreement(s) during the installation of the FM software on your Computer. You are responsible for the correct set-up and installation of the FM software, as well as maintenance, updates and upgrades to the FM software and/or your Computer. We make no warranties nor accept any liability for such software. We are not responsible for any problems related to the FM software itself, your Computer or your ability to connect using the FM software as described in this Agreement. You are responsible for all Online Transactions that you authorize using FM software. If you permit any other person to access the Service using FM software, you are responsible for all Online Transactions they authorize. You should verify all Account data obtained and Online Transactions executed on your Accounts using FM software. Our records of Online Transactions, instructions and communications regarding your Accounts and use of the Service supersedes any records stored or created on your Computer equipment through the use of FM software. You are responsible for any and all obligations to any software vendor arising from your use of that vendor's FM software. FM software may not be used when accessing the Service through a Mobile Device.
f. Alerts: You may establish automated electronic alerts (“Alerts”) based on your own criteria. These Alerts are voluntary and must be activated by you. These Alerts may be sent via email to the external email address set-up in the Service or by text message. If your external email address changes, you are responsible for changing it in the Service. If you provide us with an external email address that is associated with a Mobile Device, you understand and agree that we are not responsible for any costs or fees you incur as a result of Alerts sent to such Mobile Devices. You understand that your receipt of Alerts is in addition to (and not in replacement of) any other information that you may ordinarily receive from us regarding your Accounts and does not relieve you of any responsibilities you may have under the Account Agreements to review any materials that we send to you regarding your Accounts with us including (but not limited to) your Account statements. You understand that we do not guarantee (a) either the delivery or accuracy of any information requested or provided through the Alerts or (b) that you will have continuous or uninterrupted access to the Alerts. We are not responsible for any delay, failure or error in the transmission or content of the Alerts. We will not be liable for any direct or indirect damages arising from the delivery, non-delivery or wrong delivery of any Alerts, from any inaccurate information provided through the Alerts, from your use of or reliance on any information contained in the Alerts or from your inability to access the Alerts.
g. Online Bill Pay: We also offer an optional electronic service that allows you to schedule bill payments through the Internet (“Bill Pay”). This Bill Pay service is offered through a service provider (the “Bill Pay Provider”). Terms and conditions for Bill Pay are set forth below.
h. Mobile Banking: In addition to the standard version of the Service that you may access through a Computer, we also offer an optional service that will allow you to make Account Inquiries, Consumer Loan Payments and Transfers through a Mobile Device (“Mobile Banking”). You must be enrolled in the Service to enroll in Mobile Banking. You must separately enroll to use Mobile Banking. Your use of Mobile Banking is subject to additional terms and conditions found in the Mobile Banking Terms and Conditions.
10. Limitations on Online Transactions. Your ability to conduct Online Transactions through the Service is subject to the following limitations:
a. Savings and Money Market Deposit Accounts. Your ability to transfer funds between and/or make payments from your savings or money market accounts is limited by federal regulations. Under these regulations, debit card or similar payment orders drawn on your money market or savings account that are payable to third parties, as well as any transfers or transactions from your money market or savings account to another of your accounts with us or to third parties by preauthorized or automatic means, personal computer or similar device (including online banking or bill payment services) or telephone (such as through an IVR or via facsimile or data transmission) are considered “Limited Transactions.” You are limited to a total of six (6) Limited Transactions from your money market and savings account per statement cycle. If you exceed your Limited Transactions limit on a regular or persistent basis, we may close your savings or money market account and, in our discretion, we may open a checking type of account in its place, assess certain fees, or terminate your transfer capabilities.
b. Passbook Accounts. Transfers to or from your passbook account by preauthorized or automatic means, personal computer or similar device (including online banking or bill payment services) or telephone (such as through an IVR or via facsimile or data transmission) are also limited to a total of six (6) transactions per statement cycle.
c. Home Equity Line of Credit. The minimum credit advance allowed on home equity lines of credit is $500 per transaction, and the total outstanding credit is not to exceed the maximum amount of your home equity line of credit.
d. Dollar and Frequency Limitations on Transfers. Funds can be transferred immediately or on a future date between your Personal Deposit Accounts that are Linked Accounts. We reserve the right to limit the frequency and dollar amount of transfers for security reasons. You may transfer any amount of your available balance (as defined in the Deposit Account Agreement) per transaction, as long as the transaction does not cause the available balance in your Personal Deposit Account to be less than zero. Funds transfers between your Linked Account(s) initiated on your Computer using the Service, and received by us or our agent(s) by our cut-off time of 4:00 P.M. Eastern Time (“ET”) will be effective on the current Business Day. Funds transfers processed on your Computer using the Service, and received after this cut-off time or any time on a non-Business Day will be effective the next Business Day. Transfers from your Linked Accounts must be made in accordance with the terms of this Agreement and any applicable Account Agreements. The rules governing transfers from your Linked Account(s) as discussed in this Agreement apply only to transfers initiated through the Service. Unless you designate a future date on which a transfer is to be made, we will make the transfer immediately after you provide us with your Transfer Instructions, subject to the cut-off times provided above.
11. Unauthorized Online Transactions from Your Personal Deposit Account(s). Tell us AT ONCE if you believe your User ID and/or Password has been stolen or used without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Personal Deposit Account (plus your maximum line of credit, as available). If you tell us within two (2) Business Days after you learn of the loss or theft of your User ID and/or Password, you can lose no more than $50 if someone used your User ID and/or Password without your permission.
If you do NOT tell us within two (2) Business Days after you learn of the theft of your User ID and/or Password, and we can prove we could have stopped someone from using your User ID and/or Password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows Online Transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (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 a hospital stay) kept you from telling us, we may extend the time periods.
If you believe your User ID and/or Password has been stolen or used or that someone has transferred or may transfer money from your Account(s) without your permission, you may call or write to us at the telephone number and address found in Section 32.
12. Fees. We do not charge any fees for the Service or to conduct Online Transactions. Fees may apply for certain features of the Service including, but not limited to, external transfers and expedited Bill Payments. You will be notified of any fees that we may impose in the future for the Service or Online Transactions to the extent and in the manner required by Applicable Law. You understand and agree that you are responsible for all charges and fees that your Internet or wireless service provider may charge you for your use of the Service.
13. Disclosure of Deposit Account Information to Third Parties. We will disclose information to third parties about your Personal Deposit Account and/or the Online Transactions you make:
a. For certain routine disclosures necessary for the completion of an Online Transaction or to resolve errors;
b. For verification of the existence and condition of your Personal Deposit Account for a third party, such as a credit bureau or merchant;
c. In order to comply with a government agency or court order or lawful subpoena;
d. If you give us your written permission; or
e. In accordance with our privacy policy.
14. Right to Get Documentation of EFTs. You will get a monthly statement covering the EFT transactions that you conduct on your Personal Deposit Account (unless there are no EFTs in a particular month, in any case you will get a statement at least quarterly). You agree to review your monthly statement promptly after you receive it in accordance with this Agreement and your Deposit Account Agreement. You also agree to tell us promptly about any change in your mailing address and/or email address, so that we may send your monthly statements to your correct address. Certain Personal Deposit Accounts, including but not limited to savings accounts, money market deposit accounts, and IRAs, will receive a periodic statement if there is no EFT activity.
If you have arranged to have direct deposits made to your Personal Deposit Account at least once every sixty (60) days from the same person or company, you can call us at the phone number listed in Section 32 to find out whether the deposit has been made.
If you have a passbook savings account with us where the only possible type of EFTs are direct deposits, and if you bring your passbook to us, we will record any electronic deposits made to your passbook savings account since the last time you brought in your passbook.
A copy of any documentation provided to you that indicates that an EFT transaction was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.
15. Stop Payment and Preauthorized EFTs. If you have told us in advance to make regular, preauthorized EFTs from your Personal Deposit Account(s), you can stop any of these payments. Here’s how: call or write to us at the phone number and/or address provided in Section 32 of this Agreement.
In order to stop payment on preauthorized EFTs, we must be notified at least three (3) Business Days prior to the regularly scheduled EFT date. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. We may charge you a fee (as provided in our Fee Schedule) for each stop payment order that you give.
16. Notice of Varying Amounts of Preauthorized EFTs. If your preauthorized EFTs vary in amount, the person (or organization) you are going to pay will tell you at least ten (10) days before each payment, when it will be made, and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
17. Liability for Failure to Stop Payment of Preauthorized EFTs from Your Personal Deposit Accounts. If you order us to stop one of these payments from your Personal Deposit Account(s) three (3) Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages, subject to the limitations set forth in your Deposit Account Agreements and in this Agreement, e.g., Sections 23 and 24 below.
18. Our Liability if We Fail to Make Certain EFTs from Your Personal Deposit Accounts. If we do not complete an EFT to or from your Personal Deposit Account on time or in the correct amount according to our agreement with you, we will be liable only for your losses or damages. However, there are some exceptions to our liability to you. We will NOT be liable, for instance:
a. If, through no fault of ours, you do not have enough money in your Personal Deposit Account(s) to make the transfer.
b. If the transfer would go over the credit limit on any overdraft line of credit associated with your Personal Deposit Account.
c. If the Service was not working properly and you knew about the breakdown when you started the Online Transaction.
d. If circumstances beyond our control prevent us from making a transfer or payment, despite reasonable precautions that we have taken (such circumstances include, without limitation, conflicts with federal or state law or regulation, acts of civil or military authority, national emergencies, insurrection, war, riots, labor difficulties, natural disasters, acts of God, weather conditions, Internet or wireless telecommunication outages or interruptions, equipment failure or malfunction, material shortage, or failure or malfunction of power, communication or transportation).
e. If you do not give proper, complete or correct Transfer Instructions, or you do not follow the procedures in this or any other Account Agreements with us for requesting such services.
f. If your User ID and/or Password has been reported lost or stolen, or we have canceled your User ID and/or Password, or the Service.
g. If we have reason to believe that you or someone else is using the Service for fraudulent or illegal purposes.
There may be other exceptions and limitations stated in this Agreement, e.g., Sections 23 and 24 below, and in our Deposit Account Agreements with you.
19. IN CASE OF ERRORS OR QUESTIONS ABOUT ONLINE TRANSACTIONS FROM YOUR PERSONAL DEPOSIT ACCOUNTS. Telephone us at and/or write us at the phone number and address listed in Section 32 of this Agreement as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.
a. Tell us your name and Personal Deposit Account number (if any).
b. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
c. 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 within ten (10) Business Days.
We will determine whether an error occurred within ten (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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Personal Deposit Account within ten (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 ten (10) Business Days, we may not credit your Personal Deposit Account.
For errors involving new Personal Deposit Accounts or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Personal Deposit Accounts, we may take up to twenty (20) Business Days to credit your Personal Deposit Account for the amount you think is in error.
We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
20. Review of Account Information. Account information displayed through the Service is the current information as of the time indicated by the Service. You are in the best position to discover and report any discrepancies including unauthorized transactions involving your Accounts. You agree to review your Account information regularly and your Account statements when they are made available to you. You also agree to notify us as soon as possible of any error, discrepancy or unauthorized transaction you discover, as required by this Agreement and/or your Account Agreements, as applicable. You also agree to notify us if you appear to have access to an Account that isn’t your or if any of your Account(s) are missing from the Service. If you fail to do so, you may become responsible for the losses resulting from such failure, as outlined in this Agreement and/or your Account Agreements, as applicable.
21. Email Communications. Because normal Internet email transmissions may not be secure, you agree to log into the Service and contact us electronically only through any secure messaging service that we may make available to you for any inquiries or requests that you may have regarding your Accounts. We cannot otherwise act on instructions sent by you from an external email address except through the secure messaging service that we make available to you through the Service. We will not immediately receive email that you send. Therefore, you should not rely on email if you need to communicate with us immediately (for example, to request a stop payment, to report a lost or stolen ATM or debit card and/or Password, to report an unauthorized transaction from one of your Personal Deposit Accounts, or to report an error on your statement). We will not take actions based on your email requests until we actually receive your message and have a reasonable opportunity to act.
22. Hyperlinks. We may elect to display one or more hyperlinks on the Service website from time to time. A hyperlink is any highlighted words or phrases in a document that allow you to click through to another section of the same document or to another document on the Internet. A hyperlink may allow you to click through to a third party website over which we have no control. We specifically disclaim any responsibility for the content, products and services provided at linked third party websites. The Bank is not liable for any failure of the products or services advertised on third party websites. You should be aware that third party websites may have privacy policies that differ from our privacy policy; it is your responsibility to review privacy policies at the linked third party websites to determine whether those policies are acceptable to you. The linked third party websites may provide less security than the Bank’s web site.
23. Limits on Our and Other Providers’ Responsibilities. We agree to make reasonable efforts to ensure the full performance of the Service. We will be responsible for acting only on those instructions which are actually received and cannot assume responsibility for malfunctions in communications facilities not under our control that may affect the accuracy or timeliness of any messages or Transfer Instructions you send. We are not responsible for any losses or delays in transmission of Transfer Instructions arising out of the use of any Internet and wireless service provider, your connection to the Internet, or caused by your Computer or Mobile Device or by any browser software installed thereon.
Our sole responsibility for an error in an Online Transaction will be to correct the error, but in no case will we be liable or responsible for any indirect, special, incidental or consequential damages arising in any way out of your use of the Service. If a court finds that we are liable to you because of our actions or inactions under or in connection with this Agreement, you may recover from us only your actual damages in an amount not to exceed the total fees and charges paid by you to us under and in connection with this Agreement during the preceding six (6) months. You agree that this dollar limitation is reasonable, to the extent permitted by Applicable Law. Our liability is further limited as set forth in the Account Agreements. In states which do not allow the exclusion or limitation of liability for indirect, special incidental or consequential damages, our liability is limited to the maximum extent permitted by Applicable Law. WE MAKE NO EXPRESS OR IMPLIED WARRANTIES CONCERNING THE SERVICE, INCLUDING BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF A THIRD PARTY OR PROPRIETARY RIGHTS UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY APPLICABLE LAW.
24. Additional Limits on our Liability to You. In addition to any other limitations on our liability found in this Agreement or the Account Agreements, you understand and agree that we will not assume responsibility for losses and damages that occur:
a. If you have not properly followed the instructions that we provide on how to make an Online Transaction;
b. If there is a delay or interruption in our provision of the Service or in the execution of Online Transactions you request due to the acts of so-called hackers or crackers, viruses, or denial of service attacks;
c. If there is any loss, damage or injury resulting from (i) an interruption in your electrical power, telephone, cable or wireless service; (ii) the disconnecting of your telephone line or cancellation of service to your Mobile Device by your telephone company or wireless provider or from deficiencies in your line quality; (iii) any defect or malfunction of your Computer or Mobile Device; (iv) an interruption of the service provided by your Internet or wireless service provider; or (v) any other loss of communications services, including, without limitation, cable and satellite services;
d. If we decline or are unable to process an Online Transaction because we have a reasonable basis for believing that, through no fault of ours, an unauthorized use of your User ID, Password, or Account(s) has occurred or may be occurring;
e. If the money in your Account(s) is subject to legal process or other encumbrances restricting the transfer; and
f. IN NO EVENT SHALL WE OR OUR OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE TO YOU FOR ANY LOSS INCURRED, INCLUDING WITHOUT LIMITATION, LOSS OF DATA, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL, INCLUDING LOST PROFITS, ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SUBJECT MATTER HEREOF, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS, INJURY, OR DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES OR LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE EXCLUSION OR LIMITATIONS MAY NOT APPLY TO YOU.
25. Address Changes. We will rely on your mailing address and email address as it appears in our records and as you provided to us when enrolling in the Service. If you change your mailing or email address, you are responsible for advising us of the change. To change either your mailing or email address with us, you must notify us in writing or calling us as provided in Section 32 of this Agreement or via the Service.
26. Assignment and Delegation. You may not assign this Agreement, or otherwise delegate your responsibilities under this Agreement, in whole or in part, to any third party. We may, in our sole discretion and at any time, assign this Agreement, in whole or in part, or delegate any of our rights and responsibilities under this Agreement to any third party or entity, including parties that are our affiliates.
27. No Waiver. No delay or waiver by us of any power, right, remedy or obligation under or in connection with this Agreement on any one occasion shall constitute a waiver of that power, right, remedy or obligation on any later occasion. No such delay or waiver by us is effective unless it is in writing and signed by us.
28. Severability. If any provision of this Agreement is held void or unenforceable by a court of competent jurisdiction, or any governmental agency, that provision will be considered enforceable to the extent permitted by such court or agency, and the remainder of that provision shall no longer be treated as part of this Agreement. All other provisions of this Agreement will, however, remain in full force and effect.
29. Entire Agreement. This Agreement, as may be amended by us from time to time, is the entire agreement between you and us regarding the Service and it supersedes any and all prior communications and prior agreements between you and us with respect to same. We will provide you with notice of any amendment to this Agreement as may be required by Applicable Law.
30. Suspension and Termination. We may suspend or terminate your use of the Service at any time for any or no reason. We will provide you notice of such termination to the extent and in the manner as required by Applicable Law. You may terminate your use of the Service at any time, although we will require that you put your request in writing.
31. Modification. We may modify the Service or this Agreement from time to time, and we will provide notice of such modifications to the extent required by and in accordance with Applicable Law. Additional services may become accessible in the future. As each becomes available, you will be provided with a description of each such service or account and fees. You understand that by using the Service after any modification or change has been effected, you will be deemed to have consented to any such modification or change.
32. Notices. Except as otherwise provided in this Agreement or in your Account Agreements, all notices required to be sent to you will be effective when we mail or transmit them to you electronically. We will send all notices to the last known address (or email address, if the notice is sent electronically) that we have on file for you.
Please contact us at the address provided below if (a) you are locked out of the Service, (b) you would like to place a stop payment on a preauthorized EFT, (c) you have an inquiry about a direct deposit to one of your Personal Deposit Accounts, (d) you believe your User ID and/or Password has been lost or stolen or if you have lost your Mobile Device, (e) you have a question or believe there is an error involving the EFTs on your Personal Deposit Accounts, or (f) you need to make changes to your address and/or other contact information:
Saco & Biddeford Savings Institution
Attn: Customer Care Department
50 Industrial Park Road
Saco, ME 04072
1-207-284-4591 or 1-877-722-6243
33. Bill Pay Service.
33.1 The Bill Pay Service is offered through a third-party service provider (the “Bill Pay Provider”).
33.2 Payment Account. The Bill Pay Service is available only for use with the checking Account(s) that you designate as your “Payment Account(s).” By enrolling, you represent and warrant that your Payment Account does not require two or more signatures to withdraw funds.
33.3 Payees. You may use the Bill Pay Service to make payments to any person or business in the United States (each, a “Payee”). You must provide us with the name, address, and telephone number of your Payees, along with any account number you have with the Payee. By providing us with this information, you authorize us to follow your instructions for Bill Pay Transactions (such instructions referred to hereinafter as “Payment Instructions”) to these Payees. Certain Payees may be prepopulated within the Bill Pay Service. For those Payees you need only provide your account number. You are solely responsible for maintaining the current address and account number information for each Payee that you designate. We are not responsible for any errors or losses that may occur because you failed to provide us with correct information regarding the Payee, or if the amount you owe the Payee is paid in full. You understand and agree that the Bill Pay Provider may, in its sole discretion, revise information regarding the Payee (such as its name, mailing address, or other payment remittance information) based on information the Bill Pay Provider receives directly from the Payee. You understand, however, that the Bill Pay Provider is not required to make such revisions.
33.4 Eligible Bill Pay Transactions. You may perform the following transactions (each, a “Bill Pay Transaction”) from your Payment Account through the Bill Pay Service:
a. Payments (Generally): You may use the Bill Pay Service to make payments on the same Business Day that you enter the Payment Instructions when entered by the cut-off time of 4:00 P.M. Eastern Time (“ET”), on a future date, or on the same day each month subject to the restrictions in this Addendum. You may enter Payment Instructions 24 hours a day, 7 days a week subject to system availability as described in the Agreement. However, payments will only be made on Business Days. All Payment Instructions are subject to review and verification by us.
b. Future Payments: You may schedule payments on any future Business Day. We shall complete the payment, provided that the Bill Pay Provider has not blocked the Payment Account.
c. Recurring Payments: You may schedule automatic, recurring future payments. These payments must be for the same amount each month and can be set to recur at certain intervals (e.g., weekly, monthly, bi-weekly). If the payment date falls on a weekend or holiday, the payment will be made on the preceding business day.
You may also use the Bill Pay Service to review, change and cancel payments, or to inquire about their status. You must do so before cut-off times that we establish and post on the Bill Pay Service website. The Bill Pay Service website will allow you to review up to your most recent Bill Pay Transactions (this may include Bill Payment Transactions for up to the last two (2) years).
WE RESERVE THE RIGHT TO REFUSE TO HONOR PAYMENT INSTRUCTIONS THAT REASONABLY APPEAR TO US TO BE FRAUDULENT OR ERRONEOUS.
33.5 Expedited Bill Pay Transactions. You may initiate an Expedited Bill Pay Transaction to a participating Payee, which may be sent electronically or by check. Electronic Expedited Bill Pay Transactions initiated prior to 4:00 p.m. are eligible for same-day delivery. Expedited Bill Pay Transactions by check will be sent to the Payee via overnight delivery. If you initiate an Expedited Bill Pay Transaction, additional fees will apply. These fees will also be disclosed to you when you provide us with the Payment Instructions for the Expedited Bill Pay Transaction and are also found in our Fee Schedule (as may be amended from time to time).
33.6 Limitations on Bill Pay Transactions. In addition to other limitations specified in the Agreement, Account Agreements or this Addendum, your Bill Pay Transactions are limited by and subject to the terms set forth below:
a. Payment Account Must Be in Good Standing: You must maintain your Payment Account in good standing with us in order to perform transactions through the Bill Pay Service. If your Payment Account is closed for any reason, we will suspend or terminate your right to use the Bill Pay Service.
b. Security Limits. For security reasons, we may limit the frequency and dollar amount of Bill Pay Transactions from your Payment Account.
c. Dollar Limits on Transactions. You may provide us with Payment Instructions in an amount up to the available balance (as defined in the Account Agreement) in your Payment Account. If your payment is presented against insufficient available funds or uncollected funds, we may either return the item unpaid or pay the item and create an overdraft on your Payment Account, each in accordance with the terms of the Deposit Account Agreement governing your Payment Account. You understand that we may also assess either a non-sufficient funds return fee (if your payment is returned unpaid) or a non-sufficient funds paid fee (if your payment is paid, creating an overdraft), and you agree to pay us the amount of that fee as is disclosed in our Fee Schedule (as amended from time to time).
d. Limitations on Payees. Only Payees with United States addresses may be paid using the Bill Pay Service. We reserve the right to refuse to pay certain Payees.
e. Prohibited Payments. You agree not to make payments to government agencies, tax payments, or any court ordered payments (such as alimony or child support payments) through the Bill Pay Service.
33.7 Payment Methods. We and the Bill Pay Provider reserve the right to select the method in which to remit funds on your behalf to the Payee. These payment methods may include, but are not limited to, an electronic payment or a check. For an electronic payment, the funds are electronically debited from your Payment Account for the amount of the Bill Pay Transaction on the date you select for payment. A stop payment cannot be placed on an electronic payment. If the payment is made by check, the check will be drawn on your Account when it is presented to us for payment. Bill Pay check payments are subject to return for insufficient funds or other reasons. You may initiate a stop payment request for a Bill Pay check payment by entering a stop payment request as described below.
33.8 Timing of Bill Pay Transactions. When you provide us with Payment Instructions, the Bill Pay Service will inform you of an estimate of the earliest date on which you may schedule a Bill Pay Transaction (except for Expedited Bill Pay Transactions, typically within one (1) to two (2) Business Days from the current date if the Bill Pay Transaction will be made via electronic means, or five to eight (5-8) Business Days from the current date if the Bill Pay Transaction will be made via other forms of payment). In some instances, the Bill Pay Service website may indicate that you may make the Bill Pay Transaction on the same Business Day. When scheduling your Payment Instructions, do not include any grace days the Payee provides in your calculation. In order for a Payment Instruction to be considered received on a specified date, it must be received prior to 4:00 P.M. ET. Payment Instructions received after this deadline or on weekends or holidays will be considered received on the next Business Day. We are not responsible for delays in delivery of payments, or a failure to deliver payment, caused by the U.S. Postal Service. We will not be responsible for any loss that you may incur as a result of a late payment if your Payment Instructions are not received by the time periods described in this Section. Any late payment or finance charges that may be imposed by a Payee are your responsibility.
33.9 Stopping Bill Pay Transactions.
33.9.1 If you have transmitted Payment Instructions, and the payment is in a “Pending” status, you may use Bill Pay to cancel or edit the payment (if, for example, a payment date has not yet arrived or a payment amount or payee is incorrect). Once the payment is listed on the Bill Pay Service website as being in a “Processed” status, you may enter a stop payment request for a check payment as long as the check has not been presented for payment. Electronic payments marked “Processed” cannot be stopped. As such, please use care when entering your Payment Instructions and review them carefully before transmitting them to us. If you have any questions about your Bill Pay Transactions and your ability to stop them once they are considered “Processed” (for example, Bill Pay Transactions that are made by the Bill Pay Provider as a check), please contact us at the phone number or address listed in Section 32.
33.9.2 If your payment is made via check, and the payee has not presented the check for payment within ninety (90) days from the date indicated on the check, payment will be stopped on that check.
34. Bill Delivery and Presentment. We offer, through the Bill Pay Provider, the ability for you to receive bills from certain third parties (“Billers”). If you activate the Online Bill Delivery and Presentment Service, then you also agree to the following:
a. This electronic bill feature of the Bill Pay Service is for the presentment of electronic bills only, and it is your sole responsibility to contact your Billers directly if you do not receive statements from your Billers. In addition, if you elect to activate one of the electronic bill options, you agree to the following:
b. Information Provided to the Biller. The electronic bill feature is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and email addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally, it is your responsibility to maintain your usernames and passwords for all electronic Biller sites. You agree not to use someone else's information to gain unauthorized access to another person's bill. We may, at the request of the Biller, provide the following information to the Biller: e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about bill information.
c. Activation. Upon activation of Bill Payment and Presentment, we may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take one to two billing cycles depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your billing statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated, it is your responsibility to keep your accounts with Biller current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.
d. Authorization to Obtain Bill Data. Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.
e. Notification. We will use our best efforts to present all of your electronic bills promptly. In addition to notification within the Service’s site, we may send an e-mail notification to the e-mail address listed for your Account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically log-on to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.
f. Cancellation of Electronic Bill Notification. The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take one to two billing cycles depending on the billing cycle of each Biller. We will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
g. Non-Delivery of Electronic Bills. You agree to hold us harmless should the Biller fail to deliver your billing statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.
h. Accuracy and Dispute of Electronic Bill. We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.
i. The terms of this Section 34 do not alter your liability or obligations that currently exist between you and your Billers.