End user license agreement

This EULA governs the provision and use of the Application(s) and any Related Services and Information provided to you, as such may be authorized by your Financial Institution and as may be modified or enhanced from time to time. To lawfully use the Application(s), the End User must read, acknowledge, and agree to the terms and conditions of this EULA by clicking the “I Agree” button. This EULA is a legal agreement between you, as the End User, and the Provider of the Application(s). This EULA is in addition to any agreements between the Financial Institution and you or Customer, and this EULA shall control as it relates to matters within its scope.

Provider may modify this EULA from time to time, as set forth in Section 10. You will be required to agree to the revised EULA to continue using the Application(s). The most recent and governing version of the EULA will be accessible through the Application(s).

Grant of License. Subject to and conditioned upon End User’s strict compliance with all terms and conditions set forth in this EULA, Provider hereby grants to the End User, and you hereby accept, a non-transferable, non-exclusive, non-sublicensable, revocable, limited license to access and use the Application(s) in accordance with the terms and conditions set forth in this EULA, in a manner intended for authorized use, and to the extent authorized by Financial Institution and Customer. This license shall become effective upon accepting this EULA and remain valid during the term of this EULA, unless otherwise terminated or revoked as provided hereunder. Provider hereby reserves and retains all ownership, proprietary, or other rights not expressly granted hereunder.

Termination of License. Unless otherwise agreed to by Provider, the license granted hereunder shall terminate upon the occurrence of any one of the following events: (i) the relationship between the Financial Institution and Customer is terminated for any reason; (ii) this EULA is terminated pursuant to the terms set forth herein; or (iii) you do not agree to modifications to this EULA.

Revocation of License. Provider reserves the right to immediately revoke any license granted hereunder if you attempt to use the Application(s) in an unauthorized manner, in a manner that is not intended by Provider, or in contravention of End User’s obligations set forth in Section 5.

The following is owned by and constitutes the Intellectual Property of one or more entities defined as the Provider or provided to the End User pursuant to valid licensing agreements: the Application(s), any enhancements to the Application(s), any software or code developed to customize the Application(s) for an End User or to enable the End User to interact with the Application(s); and certain Trademarks displayed in the Application(s). All such Intellectual Property is protected by applicable copyright, patent, trademark or other intellectual property law.

You acknowledge that this EULA does not convey or grant any Intellectual Property or other proprietary right to you, except for the limited license set forth in Section 3. Except as expressly authorized therein, you may not copy, reproduce, transmit, sell, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit such Intellectual Property in any manner (including electronic, print, or other media now known or hereafter developed) without the prior written consent of the pertinent Intellectual Property owner. You hereby agree to refrain from doing or causing, directly or indirectly, any act that might impair any Intellectual Property owner’s rights, title, or interest in any of the Intellectual Property.

Acceptable Use Policy. You are solely responsible for any and all acts and omissions that occur under your account or password, and you agree not to engage in unacceptable use of the Application(s), including but not limited to the following activities: (i) creating a false identity or otherwise attempting to mislead any person as to your identity or the origin of any communication transmitted through the Application(s); (ii) using accounts, account numbers, or attempting to authorize transactions through accounts for which you do not have full authority to conduct such activities; (iii) disseminating or transmitting any materials or messages that do not pertain to the intended use of the Application(s) or that contain anything that is obscene, defamatory, harassing, offensive, or malicious; (iv) disseminating or transmitting files, graphics, software, or other material that actually or potentially infringes the Intellectual Property right of any person or entity; (v) exporting, re-exporting, or otherwise transmitting data, information, or software in violation of any applicable export or import law, regulation, or restriction; (vi) interfering with, disrupting, or attempting to gain unauthorized access to information or other accounts hosted on the Application(s); (vii) attempting to copy, modify, or reverse engineer the Application(s), without the express written permission from an authorized representative of Provider; or (viii) engaging in any other activity deemed by the Provider to be in conflict with the spirit or intent of this EULA or the intended use of the Application(s). Provider hereby expressly disclaims any and all liability arising from or relating to End User’s violation of this Acceptable Use Policy. Except as required by applicable law that cannot be waived, you agree that you will not commence, maintain, initiate, or prosecute, or cause, encourage, assist, volunteer, advise or cooperate with any other person to commence, maintain, initiate or prosecute, any action, lawsuit, proceeding, charge, petition, complaint or claim before any court, agency or tribunal against the Provider arising from, concerned with, or otherwise relating to, in whole or in part, End User’s violation of this Acceptable Use Policy.

End User Account Information. It is solely your responsibility to maintain current and accurate information for your account within the Application(s). If you fail to maintain a current and valid email address, you will not be notified when Information becomes available through the Application(s) and you will not be provided payment confirmations by email. You assume responsibility for all consequences arising from your failure to maintain accurate account information within the Application(s).

Application Access. Provider shall make the Application(s) available over either the Internet or Customer’s intranet to allow the End User to electronically and remotely access the Application(s). You shall provide at your own expense, all necessary telephone lines, Internet connections, equipment, software (including a compatible Web browser), and services for you to effectively access the Application(s). You are responsible for upgrading and configuring your internal systems (e.g., network or Intranet settings, Internet routing, fire walls, and Web browsers) to be and remain compatible with and optimize the performance of the Application(s). You acknowledge that the availability and performance of the Application(s) may be subject to interruption or delay due to causes beyond the reasonable control of Provider.

The Application(s) are not the "system of record" for financial information (e.g., balances, transactions, etc.), but rather merely a means to access information. The “system of record” is maintained at the credit card processor.

User Codes. Your access to the Application(s) will be controlled by a user name and password (collectively referred to as “User Codes”), as well as the authorization approved by the Customer’s program administrator. The User Codes are for your personal use only, and you agree not to disclose them to any third party. You are responsible for maintaining the confidentiality of the User Codes and for establishing sufficient policies, procedures, and controls and taking such actions to protect against disclosure of your User Codes. You are responsible for all statements made, acts or omissions that relate to your user account while access to the Application(s) is obtained using your User Codes, regardless of whether you authorized such use. You are responsible for any damages, losses, costs, or breaches of security incurred or caused by your failure to maintain the confidentiality of your User Codes. You agree to IMMEDIATELY notify both the Provider (using the “Contact Us” link) and your program administrator if you become aware or suspect that your User Codes have been lost, stolen, or compromised in any way, or if you become aware of possible or actual unauthorized use of the Application(s).

Payment Authorization. If you make a payment request through the Application(s) (payment features may not be available to all users), you hereby acknowledge, agree, and represent that: (i) you are a legal owner of the Paying Account to be debited upon payment, and you have full authority to authorize such payments; (ii) Provider and the Payment Institution are authorized to debit the Paying Account from time to time in accordance with your specific authorization; (iii) Provider is authorized to maintain information concerning your Paying Account and to process your payment requests; (iv) you will ensure that the Paying Account information is accurate each time a payment is requested and that there are sufficient funds in the Paying Account to cover such payment request; (v) any payment requests made through the Application(s) may take 3 to 5 business days or longer before the payment is posted to the payee account; (vi) you are solely responsible for submitting payment requests far enough in advance to ensure timely payment; and (vii) Provider is not liable for any penalties, overdraft charges, insufficient fund charges, or late payment charges resulting from your failure to maintain sufficient funds to cover such payment requests or delays in processing the payment request.

You understand and accept that transmissions across the Internet can fail for various reasons and without warning. A payment request will not be considered transmitted to Provider until you receive an email confirmation of such payment request and/or online payment receipt with a unique tracking number (“Payment Confirmation”). Until you receive a Payment Confirmation, do not assume that Provider has received your payment request. Regardless of whether you receive a Payment Confirmation, your payment request will not be fulfilled if there is an inaccuracy in the Paying Account information provided by you or if there are insufficient funds available in the Paying Account. You will not be notified through the Application(s) about such payment failures and Provider will not be liable for such payment failures, including any associated fees or charges incurred by you.

This is a business pre-authorized debit plan for sporadic debits in variable amounts, as authorized by you through the Application(s) from time to time. Each debit must be specifically authorized by you if you wish to use the Application(s) to make a payment to the Provider. Provider will not automatically debit your Paying Account on a monthly basis and it is your responsibility to initiate payment each month (unless a recurring payment has been established).

You may cancel this authorization at any time on written notice to Provider at the following address:

TSYS
1 TSYS Way
Columbus GA 31901

Any such notice shall take effect ten (10) business days after receipt by the Provider. You may obtain a sample cancellation form, or more information regarding your cancellation rights, at your Financial Institution.

You have certain recourse rights if any debit does not comply with this Payment Authorization and the specific authorization for the payment. For example, you have the right to receive reimbursement for any debit made by the Provider that is not authorized or is not consistent with this Payment Authorization and the specific authorization for the payment. To obtain a form for a reimbursement claim, or for more information on your recourse rights, you may contact your Financial Institution.

The Financial Institution will remain the “originator” of any payment request submitted through the Application(s) for purposes of complying with federal and state banking laws, regulations, or rules. Other third parties involved in providing the Application(s) may not be governed by such laws, regulations, or rules and do not assume the responsibilities of the “originator”.

Joint Accounts. If the Paying Account is a joint account (an account having more than one owner) then each joint account owner shall be bound by all terms and conditions of this EULA for purposes of payment requests made through the Application(s) that debit such joint accounts. Each joint account owner agrees that they are jointly and severally liable for all charges and other responsibilities, which may arise from use of the Application(s). You hereby represent and warrant that you have: (i) obtained the agreement of any joint owner to be bound by the terms of this EULA; (ii) full authority to make payment requests from the joint account; and (iii) full and independent authority to exercise control over and to conduct transactions using the Application(s), as fully as if you were a sole owner, and without further consent of or notice to any other joint owner.

Advertisements. The Application(s) may contain advertisements or notices posted by Customer. Provider does not endorse, audit, or attest to the accuracy or suitability of such advertisements or notices. Provider hereby disclaims any responsibility or liability arising from or relating to the accuracy or content of such advertisements or notices.

Web Site Links. The Application(s) may contain links to Web sites or other online applications controlled or offered by third parties that are not affiliated with Provider (“Third-Party Sites”) solely as a convenience to you. Provider hereby disclaims liability for any information, materials, products or services posted or offered at any such Third-Party Site. By creating a link to a Third-Party Site, Provider does not endorse or recommend any products or services offered or information contained at such Third Party Site, nor is Provider liable for any failures of such products or services offered or advertised at such sites. The Third Party Sites may have a privacy policy different from that of Provider and may be less secure than the Application(s). When you access a Third Party Site, you do so at your own risk.

Ownership. Provider warrants that it has full title and ownership of the Application(s) or is providing the Application(s) pursuant to valid licenses. Provider further warrants that it has the full power and authority to grant the licenses conveyed by this EULA to End User and that the license granted to the End User and the normal use of the Application(s) will in no way constitute an infringement or other violation of any Intellectual Property of any third party.

Availability. Provider further warrants that it will use commercially reasonable efforts to maintain acceptable availability and performance of the Application(s) and minimize any interruption or degradation of performance of the Application(s); however, you hereby acknowledge that from time to time the Application(s) may be inaccessible, inoperable, or experiencing performance degradation for various reasons, including normal data or file processing, periodic maintenance of or enhancements to the Application(s), operation malfunction, and causes beyond the control of Provider. Provider makes no guarantee of the availability or performance of the Application(s).

Limitations. THE APPLICATION(S), RELATED SERVICES, AND INFORMATION PROVIDED PURSUANT TO THIS EULA ARE PROVIDED “AS IS” AND “AS AVAILABLE.” EXCEPT AS EXPRESSLY WARRANTED ABOVE, PROVIDER AND ITS RELATED PARTIES HEREBY EXPRESSLY DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF AVAILABILITY, RELIABILITY, USEFULNESS, AND THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, COURSE OF DEALING, AND USAGE OF TRADE. PROVIDER DOES NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION.

Limitation of Liability. IN NO EVENT WILL PROVIDER BE LIABLE FOR ANY DAMAGES (INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, COST OF PROCURING SUBSTITUTE SERVICES, LOST PROFITS, LOSSES, OR OTHER EXPENSES) ARISING IN CONNECTION WITH THE PROVISION OR USE OF THE APPLICATION(S), RELATED SERVICES OR INFORMATION PROVIDED PURSUANT TO THIS EULA, REGARDLESS OF WHETHER SUCH CLAIMS ARE BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, OR WHETHER PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.

WITHOUT LIMITING THE FOREGOING, THIS LIMITATION OF LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE UNAVAILABILITY OF THE APPLICATION(S), UNAUTHORIZED ACCESS OR PAYMENTS, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR SYSTEM FAILURE. PROVIDER CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR COMPLETELY SECURE ACCESS TO THE APPLICATION(S).

IF YOU ARE DISSATISFIED WITH APPLICATION(S), RELATED SERVICES, OR INFORMATION, OR ANY PORTION THEREOF, YOUR EXCLUSIVE REMEDY SHALL BE TO CEASE USING SUCH PRODUCTS OR SERVICES.

Reliance on Limitations. End User acknowledges that Provider has set its prices and entered into this EULA in reliance upon the limitations and disclaimers of liability, damages, and warranties set forth herein, and that the same form an essential basis of the bargain between the parties. The parties agree that the limitation and exclusions of liability and disclaimers specified in this EULA will survive and apply even if found to have failed their essential purpose.

Provider will abide any applicable law, rules, or regulations relating to the privacy of non-public personal information. Provider will also adhere to the Privacy Policy that is published and accessible through the Application(s). The Privacy Policy sets forth the means by which and the types of information Provider collects through the use of the Application(s). Provider will take all commercially reasonable actions to ensure that any non-public personal information collected from you or processed on your behalf will remain confidential and secure. Such confidential information shall only be used for the purposes for which it was provided.

In addition, Provider may aggregate statistical data from the information provided through the Application(s), without identifying the End User or the Customer as its source, which may be used by Provider or other third parties to assist in providing better products and services to you. You hereby expressly consent to such use of the information.

Each user session with the Application(s) is secured by encryption technology to protect against the unauthorized interception of information. The Application(s) may generate emails to notify or confirm activities within the Application(s) that are not encrypted; however, highly sensitive information (e.g., account numbers) is “masked” to protect against unauthorized access to such information. You hereby acknowledge that information may be intercepted during transmission to or from the Application(s) and that Provider cannot and does not guarantee that the use of the Application(s) is completely secure. You hereby agree to assume any and all risk associated with the unauthorized access to your information during transmission of such information between the Application(s) and you and after such information has been delivered to you.

Language. This EULA is drafted in the English language and in the Spanish language. The English language version of this EULA shall prevail if there is a conflict.

Term and Termination. Either party may terminate this EULA without advance notice. Provider may discontinue or change the Application(s), Related Services, Information, or their availability to you, at any time or for any reason, with or without notice. If you breach any of the terms of this EULA, your authorization to access and use the Application(s) will automatically terminate absent Provider’s written waiver of such breach.

Governing Law and Jurisdiction. You and Provider agree that all matters arising from or relating to the Provider’s provision of the Application(s), Related Services, Information, and your access to and use thereof, shall be governed by the laws of the Commonwealth of Puerto Rico and the United States, without regard to conflict of laws principles. You and Provider agree to submit to the exclusive personal jurisdiction and venue of the appropriate state or federal court located in San Juan, PR, USA with respect to all such matters.

Assignment. The EULA shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns. You may not assign the EULA or your rights or obligations hereunder without the prior written permission of Provider. Any assignment by End User in breach of this provision shall be void. Provider may assign, at its sole discretion, the EULA or any of its rights or obligations hereunder without notice to End User.

Modification. Provider, in its sole discretion, may make reasonable modifications to the terms and conditions of this EULA to address changes or enhancements to the Application(s) or Related Service or to address changes in applicable law. If this EULA is modified, you will have the opportunity to review the revised EULA and decide whether to agree to the terms. You will be required to agree to the revised EULA to continue using the Application(s). The most recent and governing version of the EULA will be accessible through the Application(s) and may be printed for your review and permanent records. No modification or amendment of any provision of this EULA shall be effective against Provider unless the same is in writing and signed by an authorized official of Provider.

Waiver. A party’s failure to exercise any right, power, or remedy under this EULA shall not operate as a waiver of a continuing breach or a similar breach in the future. All rights and remedies provided under this EULA are cumulative and not exclusive of any other rights or remedies which are otherwise available at law or equity.

Severability. If any provision of this EULA is declared or found to be illegal, unenforceable, or void, then both parties shall be relieved of the obligations imposed by such provision, but only to the extent that such provision is illegal, unenforceable, or void. The remaining terms and provisions of this EULA shall continue in full force and effect.

Notices. All notifications to Provider pertaining to this EULA or the provision or use of the Application(s) shall be communicated through the “Contact Us” link in the Application(s) with the phrase “EULA LEGAL NOTICE” in the subject line. All notifications to the End User shall be communicated using the email address on record in the Application(s). End User shall be responsible for maintaining accurate email contact information in the Application(s).

Headings. The headings referred to or used in this EULA are for reference and convenience purposes only and shall not in any way limit or affect the meaning or interpretation of any of the terms hereof.

Survival. To the extent applicable, the provisions of this EULA relating to the following rights or obligations shall survive the termination, cancellation, expiration, and/or rescission of this Agreement: Section 4 (Ownership of Proprietary Rights), Section 6 (Advertising and Links to Other Sites), Section 7 (Warranties), Section 8 (Allocation of Risk), Section 9 (Privacy & Confidentiality of Information), and any provision that: (i) expressly states its survival, (ii) is necessary for the enforcement of this EULA, including Governing Law and Jurisdiction, (iii) is necessary to interpret surviving provisions, or (iv) provides for a remedy available under this EULA.

Entire Agreement. This EULA and the Privacy Policy referenced herein represent the complete and exclusive statement of the agreement and understanding between you and Provider regarding your rights to access and use the Application(s) and the provision of Related Services and Information. This EULA supersedes all prior and contemporaneous agreements and representations regarding such subject matters, including any verbal representations or agreements that may have been reached.

BY CLICKING “I AGREE” BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS END-USER LICENSE AGREEMENT AND EXPRESSLY AGREE TO BE BOUND BY ALL OF ITS TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO ALL SUCH TERMS AND CONDITIONS, DO NOT ATTEMPT TO ACCESS OR USE THE APPLICATION(S).