This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Online Banking service ("eBranch") or the Bill Payment service (collectively "Services"). It also describes the rights and obligations of EAST IDAHO CREDIT UNION ("Credit Union"). Please read this Agreement carefully. By requesting and using one of these Services, you agree to comply with the terms and conditions of this Agreement.


The following definitions apply in this Agreement:

1. "Authorized Representative" refers to a person with authority (with respect to the account);

2. "Bill Payment" is the online service that enables the scheduling of bill payments using a personal computer;

3. "ISP" refers to your Internet Service Provider;

4. "Online Banking" or "eBranch" is the internet-based service providing access to your account(s);

5. "Online Account" means the account from which you will be conducting transactions using a Service;

6. "ez Rewards" refers to our merchant funded debit card rewards program;

7. "PFM" refers to personal financial manager software of our choice;

8. "Password" is the customer-generated code selected by you for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service;

9. "PC" means your personal computer which enables you, with the Internet browser and ISP, to access your Online Account;

10. "Time of day" references are to Mountain Standard/Daylight Time;

11. "User ID" is the credit union-generated identification code assigned to you for your connection to the Service;

12. "We", "us", or "Credit Union" refer to East Idaho Credit Union which offers the Services and which holds the accounts accessed by the Services; and

13. "You" or "your" refers to the owner of the account or the authorized representative.

Access to Services

The Credit Union will provide instructions on how to use the Online Banking and Bill payment Services. You will gain access to your Online Accounts through the use of your Internet-enabled device, your ISP, your Password and your User ID. You may access your Online Accounts 24 hours a day, seven (7) days a week. However, availability of the Services may be suspended for brief periods of time for purposes of maintenance, updating and revising the software.

For purposes of transactions, the Credit Union's business days are Monday through Friday, excluding holidays (as recognized by the Federal Reserve) and weekends. All Online Banking transaction requests are processed in a real-time environment and will post at the time of the transaction regardless of business hours. However, transactions received after 11:59 p.m. on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Credit Union chooses to remain closed, may be processed on the Credit Union's next business day in certain situations. The Credit Union's business day begins at 9:00 a.m.

Banking Transactions with Online Banking

A. Transfer of Funds. In addition to viewing account information, you may use Online Banking to conduct the transfer of funds. You may make one-time transfers or schedule future or recurring transfers such as transfers to make loan payments. You may transfer funds among your checking accounts, savings accounts and money market accounts. Scheduled transfers setup using Online Banking are only accessible through Online Banking and are separate from any transfers established in the branch or over the phone.

NOTE: Because regulations require the Credit Union to limit preauthorized transfers (including Online Banking transfers), the following limitations apply:

Savings and Money Market Accounts. You can make no more than six (6) transfers per statement period by preauthorized or automatic transfer or by telephone or Online Banking. Please note: If there are not sufficient funds in the account, we cannot complete the transfer. However, future recurring transfers will not be impacted and will continue to be attempted.

B. Additional Services. New services may be introduced for Online Banking from time to time. The Credit Union will notify you of the existence of these new services as necessary. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services and/or any changes made to this agreement. Continued use of any current or new services indicates your acceptance of any modifications to this or any future agreement.

Schedule of Fees

The Credit Union offers the benefits and convenience of the Online Banking Service to you free including East Idaho Bill Pay. Additional features, benefits, and/or services may be available online and subject to a fee. Such fees will be indicated at the time of use of the service/feature/benefit or will be disclosed in the most recent Rates and Fees Schedule as posted on our website.


You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account, in the fashion indicated by you (whether electronic or paper) subject to any applicable fees and/or charges.

Use of Your Security Password

You are responsible for keeping your password and Online Account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines:

- Do not give out your account information, Password, or User ID to anyone for any reason;

- Do not leave your PC unattended while you are in the Credit Union's Online Banking Site;

- Never leave your account information within range of others; and

- Do not send privileged account information (account number, Password, etc.) in any public or general e-mail system. The Credit Union may provide means for secure transmission of information in contacting member service but will never request you to send personally identifiable information through regular email channels.

Should you desire to have additional users access your account, please take advantage of the Share Access feature of online banking to provide each individual with their own unique username and password.

If you believe your password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Credit Union immediately at 800-727-9961 between the hours of 9:00 a.m. to 5:30 p.m., Monday through Friday, or 10:00am – 2:00pm on Saturday. Telephoning the Credit Union is the best way of minimizing your losses and liability. (See section in reference to Liability)

If you believe your Password has been lost or stolen, please use the Password change feature within the Online Banking section of the Web site to change your Password for the fastest and easiest solution.

Electronic Mail (Email)

If you send the Credit Union an email message, the Credit Union will be deemed to have received it on the following business day. You should not rely on email if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. The Credit Union will attempt to respond to any email requests to the best of our ability but cannot make any guarantees of receipt. You are advised to take advantage of in-branch, telephone, or secure chat capabilities to ensure proper receipt of the communication as well as resolution.

NOTE: E-mail transmissions outside of the Online Banking site are not secure. We advise you not to send us or ask for sensitive information such as account numbers, Password, account information, etc. via any general or public e-mail system. If you wish to contact us electronically, please use the Secure Message or Secure Chat feature provided in our Online Banking site. Use this secure form to contact the Credit Union regarding inquiries about an electronic funds transfer error resolution, reporting unauthorized transactions, or contacting the Credit Union regarding other concerns of a confidential nature.

Bill Payment Services

A. Description of Service. The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Payment Account to third parties you wish to pay. Your Bill Payment Account must be associated with at least one primary checking account but may be used with up to five additional funding sources. Through the Bill Payment Service, you can pay bills from your Bill Payment Account to businesses or individuals.

All payments you make will be deducted from the checking account that you designate as your Bill Payment Account for the Bill Payment Service as indicated at the time the bill is established/setup online. Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

B. Scheduling Payments. Funds must be available in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Bill Payment Account the following business day (e.g. Monday). After funds are withdrawn from your Bill Payment Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check at our own discretion.

You may choose to schedule payments to recur in the same amount at regular weekly, monthly, or semi-monthly intervals. When you create a new payee in the Bill Payment Service, it may take up to two (2) business days to set up the payee to receive payments. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee.

For all subsequent payments, you agree to allow at least four (4) to ten (10) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If the payment is an Automatic Clearing House (ACH) electronic payment, it will take up to four (4) business days to reach the payee. However, if the company or person that you are paying cannot accept an electronic payment, the Bill Payment Service will send a check that may take up to ten (10) business days. If you do not follow these time frames, you will be fully responsible for all late fees, finance charges or other actions taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, the Credit Union will work with the payee on your behalf to reverse any late fees or charges. We guarantee delivery of any electronic payments made in accordance with this agreement and may refund any late fees up to $50 should the payment fail to arrive on time.

C. No Duty to Monitor Payments. The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. The Credit Union will not be liable in any way for damages you incur for any of the following reasons:

- insufficient funds in your Bill Payment Account to make the payment on the processing date;

- delays in mail delivery;

- changes to the payee's address or account number unless we've been advised of the change in advance

- the failure of any payee to correctly account for or credit the payment in a timely manner, or

- any other circumstances beyond the control of the Credit Union.

If the session during which you schedule a payment or transfer ends by 2:00 p.m., the Credit Union may consider to have received it on that day. Otherwise, it may be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction.

If your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. The Credit Union will attempt to notify you, but the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment. In all cases, you are responsible for either contacting the Service at 1-800-727-9961 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected.

D. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 5:00 pm on the business day before the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by the Credit Union, you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. The Credit Union may pay any item that is presented following the lapse of any stop payment order.

E. No Signature Required. When any payment or other online Service generates items to be charged to your account, you agree that we may debit your Bill Payment account without requiring your signature on the item, and without prior notice to you.

F. Multiple Person Bill Payment Accounts. If more than one person has access to a Bill Payment account, each person may individually enroll in the Bill Pay service. Each enrolled person needs a unique username and password to access the Service but may choose to use the same payee list. Each individual may terminate her/his enrollment in the Bill Payment service without affecting the Service for any other person enrolled in that Bill Payment account. However, any enrolled person may terminate the Bill Payment service that will terminate the service for all enrolled persons on that Bill Payment account.

Linked Accounts

All accounts with the Credit Union that you enroll in a service will be linked by the tax identification numbers of the persons authorized to access the account. The linked accounts will appear together without regard to the ownership of the accounts. For example, if an authorized user of a linked account accesses the Service, that authorized user will be able to view and access at a single time the following accounts:

- the accounts of the business for which that person is an authorized user;

- the accounts of any other business for which that person is an authorized user; and

- any consumer accounts for which the person is a co-owner or authorized signer.

Should your account not be showing this may be due to internal data issues related to your social security number or member identification number. Please contact the Credit Union to resolve any issues related to linked accounts.

Business Accounts

If you are a business, any authorized user of your business is authorized on such terms, conditions, and agreements as we may require to:

- enter into this Agreement, as amended from time to time;

- access each account of yours in any manner and for any purpose available through the Service, whether now available or available at some time in the future; and

- use any Online banking service in any manner and for any purpose available through the Service, whether now available or available at some time in the future.

Term and Termination

A. Term. This Agreement will become effective on the Effective Date and shall remain in full force and effect until termination in accordance with the following provisions.

B. Termination for Cause. We may immediately terminate your electronic banking privileges (including the Bill Payment Service) without notice to you under the following circumstances:

1. you do not pay any fee required by this Agreement when due or

2. you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.

We will promptly notify you if we terminate this Agreement or your use of the Services for any other reason.

  • Termination for Convenience. To terminate this Agreement, you must notify the Credit Union and provide your name, address, the Service(s) you are discontinuing, and the termination date of the Service(s). When Bill Payment is terminated, any prescheduled bill payments made through Online Banking will also be terminated. You may notify the Credit Union by one of the following methods:
  • - By sending an email to Please do not include any personally identifying information such as account or social security numbers. We may require additional verification over the phone or secure message.

    - By calling 1-800-727-9961

    - By writing a letter and either sending it to the following address: EAST IDAHO CREDIT UNION, ATTENTION: ECOMMERCE, PO BOX 1865, IDAHO FALLS, ID, 83403-1865, or giving it to a Member Service Representative at any of the Credit Union's locations.

    We may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90-day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

    Electronic Fund Transfer Provisions For Consumers

    A. Applicability. These provisions are only applicable to online electronic fund transfers that credit or debit a consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E (an "EFT") as well as your Member Agreement. Information contained herin shall supersede any conflicting information contained in your Member Agreement unless otherwise indicated by applicable laws or regulations. When applicable, the Credit Union may rely on any exceptions to these provisions that are contained in Regulation E. All terms that are not defined in this Agreement but which are defined in Regulation E shall have the same meaning when used in this section.

    B. Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs:

    1. If you notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less

    2. If you fail to notify the Credit Union within two (2) business days after your password was lost or stolen, your liability will not exceed the lesser of $500.00 or the total of:

    - $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; and

    - the total of authorized EFTs which occur during the two (2) days before notification to the Credit Union, provided the Credit Union establishes that these EFTs would not have occurred had the Credit Union been notified within that two-day period.

    3. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days of transmittal of the statement to avoid liability for subsequent transfers. Your liability will not exceed the amount of the unauthorized EFTs that occurred with the 60-day period. You may also be liable for the amounts as described in sections 1 and 2 above.

    4. If the report is made orally, we will require that you send the complaint or question in writing within 20 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed. If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United States, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation.

    5. You may notify the Credit Union by telephone, writing, or by email using the Secure Messaging services provided in our Online Banking site. Notification by general email to report an unauthorized transaction is not secure and therefore not advised.

    C. Telephone Numbers and Addresses. In case of errors or questions regarding an Online Banking or Bill Payment transaction, call 1-800-727-9961 or write us at: EAST IDAHO CREDIT UNION, Attn: ECOMMERCE DEPARTMENT, PO BOX 1865, IDAHO FALLS, ID, 83403-1865.

    We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need:

    1. Your name and account number

    2. A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information

    3. The dollar amount of the suspected error and date on which it occurred.


    A. Our Liability. This section explains our liability to you only to the extent that any other agreements, notices or disclosures have not separately disclosed our liability. In no event shall we be liable to you for failure to provide access to your Online Banking or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Online Banking and Bill Payment services as delineated in this Agreement. We will be liable for the amount of any material losses or damages incurred by you and resulting directly from our gross negligence.

    We will not be liable to you in the following instances:

    1. If through no fault of the Credit Union, you do not have enough money in your account to make the transfer.

    2. If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken.

    3. If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy.

    4. If your funds are subject to a legal proceeding or other encumbrance restricting the transfer.

    5. If your transfer authorization terminates by operation of law.

    6. If you believe someone has accessed your accounts without your permission and you fail to notify the Credit Union immediately as indicated in this or any other Agreement.

    7. If you have not properly followed the instructions on how to make a transfer included in this Agreement.

    8. If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.

    9. If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.


    B. Indemnification. You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third party claim, demand, suit, action or other proceeding and any expenses related to an Online Banking or Bill Payment account.

    C. Third Parties. We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser provider such as Microsoft (Microsoft Internet Explorer browser) or Apple (Safari browser), by an internet access provider, or by an online service provider, nor will we be liable for any direct, indirect, special or consequential damages resulting from your access to or failure to access an Online Banking or Bill Payment account.

    D. Virus Protection. The Credit Union is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may corrupt and destroy your programs, files, and your hardware.

    General Terms and Conditions

    A. Credit Union Agreements. In addition to this Agreement, you and the Credit Union agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts as indicated in your Member Agreement. Your use of the Online Banking Service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule as published on our website.

    B. Changes and Modifications. The Credit Union may modify the terms and conditions applicable to the Services from time to time. We may send any notice to you via email or other electronic communication and you will have to be deemed to have received it three days after it is sent. The revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

    C. Assignment. We may assign this Agreement to an affiliate of the Credit Union or any successor in interest in the event of a merger, reorganization, change of control, acquisition or sale of all or substantially all assets of the business to which this Agreement is related without the other party's prior written consent.

    D. Notices. Unless otherwise required by applicable law, any notice or written communication given pursuant to this Agreement may be sent to you electronically.

    E. Disclosure of Information. We will only disclose information to third parties about your account or transfers you make under the following circumstances:

    - where it is necessary for the provision of Online Banking and for completing transfers;

    - in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;

    - in order to comply with government or court orders, or other reporting requirements;

    - if you give us your permission;

    - to the Credit Union affiliated companies.

    F. Governing Law. This Agreement is governed by the laws of the State of Idaho and applicable federal law.

    Personal Financial Manager & ez Rewards -- End User License Agreement

    In addition to the above content, if you decide to use either our PFM or ez Rewards application, you acknowledge and agree to the following terms and conditions of service.

    LICENSE GRANT AND RESTRICTIONS. You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the PFM Service (the "PFM") solely to manage your financial data, and the purchase rewards application ("ez Rewards") to benefit from your debit card purchases.

    In addition to the PFM and the ez Rewards, the terms "PFM" and "ez Rewards" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, ez Rewards information, help content, bug fixes, or maintenance releases, etc.) of the PFM or ez Rewards if and when they are made available to you by us or by our third party vendors. Certain PFM and ez Rewards may be accompanied by, and will be subject to, additional terms and conditions.

    You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the PFM site or from the ez Rewards program; (iii) permit any third party to benefit from the use or functionality of the PFM or ez Rewards, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in the PFM, use any tool to enable features or functionalities that are otherwise disabled in the PFM, or decompile, disassemble, or otherwise reverse engineer the PFM except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the PFM or ez Rewards or any services provided in connection with them, prevent access to or the use of the PFM, ez Rewards or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using the PFM; or (vii) otherwise use the PFM, ez Rewards or any services provided in connection with them except as expressly allowed under this Section 1.

    OWNERSHIP. The PFM and ez Rewards are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks.

    YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the PFM, ez Rewards or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the PFM, ez Rewards or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for the PFM, ez Rewards or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the PFM, ez Rewards or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the PFM, ez Rewards or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.

    We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.

    YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; (vi) to assist us in performing our obligations to you in providing the services you have selected.

    If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.

    If you select services that are offered by third parties or merchants through such offers or on our behalf, you will be agreeing that we have your consent to give such third parties or merchants your geographic location, and other data, collected and stored in aggregate, as necessary for such third parties or merchants to make their offerings and services available to you and to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you. Except as specified here, we and the third parties or merchants acting on our behalf shall not use or keep any of your personally identifiable information.

    USE, STORAGE AND ACCESS. We shall have the right, in our sole discretion and with reasonable notice posted on the PFM site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the PFM and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the PFM at any time, and (ii) the number of times (and the maximum duration for which) you may access the PFM in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the PFM and any related services to which such changes relate. Your continued use of the PFM or any related services will constitute your acceptance of and agreement to such changes. Maintenance of the PFM or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such PFM or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.

    THIRD PARTY SERVICES. In connection with your use of the PFM, ez Rewards, or any other services provided in connection with them, you may be made aware of services, products, offers and promotions provided by third parties, ("Third Party Services"). If you decide to use Third Party Services, you are responsible for reviewing and understanding the terms and conditions governing any Third Party Services. You agree that the third party is responsible for the performance of the Third Party Services.

    THIRD PARTY WEBSITES. The PFM may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the PFM, ez Rewards or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.

    EXPORT RESTRICTIONS. You acknowledge that the PFM may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the PFM, directly or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.

    ez REWARDS OFFERS. If you decide you wish to participate in the ez Rewards application, you acknowledge and agree to the following terms and conditions of service.

    ez Rewards. You will earn rewards for your participation in the ez Rewards program based on total purchases. If you participate in the ez Rewards, we will credit all cash or point rewards earned to your rewards balance and send you a lump sum of all rewards due to you. For any qualifying purchases during the current month, we will distribute the lump sum amount to you during the following calendar month. For example, if the payment date of all rewards end user disbursements is August 30, the applicable Measurement Period would be the calendar month ended July 31. Cash rewards will be deposited in the ez Rewards deposit account which is associated with the ez Rewards program.

    ez Rewards Account. You must use the debit card associated with the ez Rewards account in order to receive the offers which qualify for the rewards. Rewards will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types.

    Purchases must be made as indicated in the offers made available under the ez Rewards program. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits, etc. You must also pay using the debit card associated with the account that received the ez Rewards offer in order for the purchase to qualify.

    While we and the merchants work hard to properly track and credit all eligible purchases, there may be times that we are unable to do so because of problems with your internet browser, the merchant's web site or our system. Please contact our support team if you believe you have made a qualifying purchase for which you did not receive Rewards.

    Please note that you will not earn rewards as part of this program if you use a debit card not issued by us or do not have the designated deposit account opened with us at the time of disbursement.

    You understand and agree that we make no warranties and have no liability as to: