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Fee Disclosures
 

LOS ANGELES POLICE FEDERAL CREDIT UNION

ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT

Revised 12/5/2012

Throughout these Agreements and Disclosures, the references to “We”, “Us”, “Our” and “Credit Union” mean LOS ANGELES POLICE FEDERAL CREDIT UNION.  The words “You” and “Your” mean each and all of those who apply for and/or use any of the electronic services described in these Agreements and Disclosures. Your acceptance, retention or use of an ATM Card or other electronic funds transaction hereunder constitutes an agreement between you and us as described below.

This Agreement and Disclosure is given by us in compliance with the Electronic Funds Transfer Act (15 U.S.C. Section 1693, et seq.) and Regulation E (12 CFR 205, et seq.) to inform me of certain terms and conditions of the electronic funds transfer services I have requested.

At the present time, we participate in several types of services that may be accomplished by electronic transfer: pre-authorized deposits of net paycheck, payroll deductions, pre-authorized deposits of pension checks and Federal Recurring Payments (for example, Social Security payments), pre-authorized withdrawals for bill payments and other recurring payments, Automated Teller Machine (ATM) electronic fund transfer services at Credit Union owned ("Proprietary") ATMs and on "Shared Network" ATMs such as The CO-OP®, STAR® and PLUS®, and such other systems as may be added from time to time, Audio Response Electronic Telephone Banking ("Code 3 Response"), Personal Computer Electronic Banking ("PATROL") and Point of Sale (POS) Transactions. Disclosure information applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. I understand that the agreements, terms, conditions, rules and regulations applicable to your Checking Account, Share Account, ATM Card, Personal Line of Credit and any other applicable Accounts, remain in full force and effect and continue to be applicable, except as specifically modified by this Disclosure and Agreement.

    1. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES.
      1. Business Day Disclosure. Our business days are Monday through Friday, except holidays. Our business hours are: 
        Academy Branch – 8:00 a.m. to 5:00 p.m. Closed Saturday & Sunday. 
        Jesse Brewer Branch - 8:00 a.m. to 5:00 p.m. Closed Saturday & Sunday.
        Manchester Branch - 8:00 a.m. to 5:00 p.m. Closed Saturday & Sunday. 
        Van Nuys Branch - 8:00 a.m. to 5:00 p.m. 9:00 a.m. to 1:00 p.m. Saturday. Closed Sunday. 


ATMs, POS terminals, Code 3 Response and PATROL are generally open, but not always accessible, 24 hours a day, 7 days a week.

      1. Disclosure of Account Information to Third Parties. We will disclose information to third parties about your account or transfers you make:
        1. When it is necessary to complete an electronic transaction; or
        2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
        3. In order to comply with a government agency or Court order, or any legal process; or
        4. If you give us written permission.
      2. In Case of Errors or Questions About Your Electronic Services Transactions. You must telephone us at: 877-YOUR-LAPFCU (877-695-2732) or write us at: LOS ANGELES POLICE FEDERAL CREDIT UNION, P.O. Box 10188 Van Nuys CA. 91410-0188, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt.  You can click here for more information about our days and hours of operation for contacting us.  We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. You must:

·  Tell us your name and account number;

·  Describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and

·   Tell us the dollar amount of the suspected error.

        1. If you tell us orally, we will require that you send your complaint or question in writing within ten (10) business days.
        1. 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 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. However, if the notice of error involves a transfer to or from an account within thirty days after the first deposit to the account was made, we may have up to twenty (20) days to determine if an error occurred and we will credit such an account within twenty (20) days if more time is needed to complete our investigation.
        2. 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 account.
        3. For an electronic fund transfer resulting from a Point of Sale debit card transaction, initiated outside of the United States or occurring within thirty (30) days after the first deposit was made to the account, we may take up to ninety (90) rather than forty five (45) calendar days to complete our investigation.
        4. 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.
      1. Our Liability for Failure to Make or Complete Electronic Funds Transactions. If we do not properly complete an electronic funds transaction to your account on time or in the correct amount according to our agreement with you, we may be liable for your losses and damages. However, there are some exceptions. We will not be liable, for instance, if:
        1. Circumstances beyond our control (such as fire, flood, earthquake, electronic failure or malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions;
        2. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to make a transaction;
        3. The funds in your account are subject to an uncollected funds hold, legal process or other circumstances restricting such transaction or payment;
        4. We have received incorrect or incomplete information from you or from third parties (e.g. the U. S. Treasury, an automated clearing house, or a terminal owner);
        5. The ATM, POS terminal, Code 3 Response, PATROL or other electronic services system contemplated hereunder was not working properly and you knew about this breakdown when you started the transaction;
        6. The ATM where you were making the transaction did not have enough cash, or cash in the denominations you requested;
        7. Your ATM Card or VISA® Credit Card has been reported lost or stolen, has expired, is damaged so that the terminal cannot read the encoding strip, is inactive due to non-use, is retained by us at your request, or because your ATM Card, VISA® Credit Card PIN or Code 3 Response or PATROL Password has been repeatedly entered incorrectly;
        8. The transaction would exceed your Line of Credit limit or VISA® Credit Card limit;
        9. Our failure to complete the transaction is done to protect the security of your account and/or the electronic terminal system;
        10. The payee mishandles or delays a payment sent by the Bill Payment Service.
        11. There may be other exceptions.
      2. Personal Identification Numbers (PIN) or Password. You understand that you cannot use Code 3 Response, PATROL or ATMs without an identification number or Password, which we refer to as PIN for ATM’s and Password for Code 3 Response or PATROL. You will receive your ATM card PIN from us by separate mail. However, you may come into one of our offices to obtain the ATM Card and select your own PIN. You will select your own Password for Code 3 Response or PATROL. You are responsible for the safekeeping of your PIN and Password, and for all transactions made by use of ATM’s, Code 3 Response, PATROL or POS.
        1. You will notify us immediately and send written confirmation if your Code 3 Response or PATROL Password is disclosed to anyone other than the joint owner of your account. If you disclose your PIN or Password to anyone, however, you understand that you have given them access to your account via Code 3 Response, PATROL, ATM or POS terminals and that you are responsible for any such transactions.
        2. You further understand that your PIN and Password are not transferable and you will not disclose them or permit any unauthorized use thereof.
        3. Under no circumstances will the Credit Union contact members requesting a member’s online banking credentials. If you receive a solicitation of this nature, you are requested to contact the Credit Union’s Fraud Specialist immediately at 877-MY-LAPFCU (877-695-2732).
      3. Charges for Electronic Funds Transaction Services. All charges associated with your electronic funds transactions are disclosed in our Schedule of Fees which can be viewed by clicking here.  A stop payment placed on a pre-authorized electronic payment is subject to a Stop Payment fee for each stop payment order you give. There may also be a charge assessed if you overdraw your Checking Account by the use of an ATM Card. If you request a copy of the documentation relative to an ATM or POS transaction (except if the documentation is for resolution of a billing error), a fee equal to our reasonable cost of reproduction will be charged. Any fees charged will be deducted from your Checking or Share Account(s).
      4. Change in Terms. We may change the terms and charges for the services indicated in this Electronic Services Disclosure and may amend this Disclosure and Agreement from time to time. If you have an account with us through which electronic transactions are being processed, you will receive written notice at least twenty-one (21) days prior to the effective date of the change(s), or as otherwise provided by law.
      5. Disclosure of Delayed Funds Availability. We may place a hold for uncollected funds on an item you deposit. This could delay your ability to withdraw such funds. For further details, see your "Disclosure of Funds Availability Policy" or contact a Credit Union associate.
      6. Timeframe and Process for Notifying Member of Exceptions. In the unlikely event we are unable to process your transaction, we will notify you by telephone within two business days.
      7. Termination of Electronic Funds Transaction Services. You may terminate any of the electronic services provided for in this Agreement and Disclosure. We may terminate your right to make electronic funds transactions at any time. If you ask us to terminate your account or the use of an ATM Card or any other access device, you will remain liable for subsequent authorized transactions performed on your account.
      8. Relationship to Other Disclosures. The information in this disclosure applies only to the electronic service transactions described herein. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of the account involved.
      9. Copy Received. You acknowledge receipt of a copy of this Agreement and Disclosure.
      10. PATROL Transaction Posting Times.  Funds transferred via PATROL will be credited immediately, are accessible, for instance, at an ATM, and will be reflected in your available balance.  However, the transfer will actually post to your account and will be reflected in your account history the following business day.  Check withdrawals are posted immediately and checks are mailed directly to your account mailing address the following business day.
      11. Governing Law.  You understand and agree that this Disclosure and Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of the State of California, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary.  You also agree to submit to the personal jurisdiction of the courts of the State of California. 
      12. FinanceWorks and Purchase Rewards. This disclosure has been updated on 7/6/2011 to include information about the FinanceWorks and Purchase Rewards features of PATROL Online Banking. These are two services designed to make managing your finances online easier than ever before. Both of these features are free and are optional to use. This means that the terms and conditions are effective only if you accept them here and then begin using these products.   FinanceWorks is a personal financial management tool that allows you to view your complete spending picture in one place regardless of where the purchase information comes from.  The PurchaseRewards product enables you to receive rewards on goods and services that you already buy today.

 

    1. ADDITIONAL DISCLOSURES APPLICABLE TO PATROL.

PATROL is your computer banking service that allows you access to your Accounts without assistance from our staff by using the Credit Union’s website and your own selected PATROL Password. Please refer to our website at: lapfcu.org for information on browser requirements necessary to access PATROL to conduct transactions.

You understand that PATROL uses “cookies” for an added layer of security.  The “cookies” do not contain any confidential information about your account, but do keep track of your activity and your current sign-on status.  Every time you request a new page, your browser sends the “cookie” back to your server for verification, and then your server updates your computer with a new “cookie.”  Each “cookie” is removed at the end of your session.  If you refuse to accept “cookies”, you cannot access PATROL.

      1. Account Access. PATROL is available for your Regular Share Account, Checking Account, Money Market Account, and Line of Credit Account and most other share account(s) and loan account(s) using your Password. Transactions posted through PATROL are online real-time and will appear in your account history after submission.
      2. Types of Available Transactions.
        1. Balance inquiries including Visa® balances (NOT CURRENT).
        2. Print copies of twelve months' statements.
        3. Share or loan history.
        4. Transfer of funds among and between your Accounts.
        5. Transfers to other members’ Accounts.
        6. Withdrawals from your Share Account(s) (except from IRAs or from the principal of a Share Certificate Account) or Checking Account(s) or advances on your Personal Line of Credit made by Credit Union check payable to the primary account holder/borrower mailed to the account's of record.  All checks requested via PATROL will be issued as Credit Union checks and will be mailed to you first class via the U.S. Postal Service on the first business day after the date of your request.
        7. Loan payments by transfers from your Regular or Secondary Share Accounts, Checking Account or Money Market Account.
        8. Reorder checks.
        9. Place stop payments.
        10. Pay bills from your designated Checking Account using COPS (Bill Payment Services) in accordance with COPS Terms and Conditions which will be provided to you separately in electronic format at the time you request this service, and are incorporated by this reference.
        11. View your tax information such as dividend and interest information.
        12. Change your PATROL password.
        13. View your last ACH deposit.
        14. Retrieve "copies" of your cancelled check(s) that cleared in the last 90 days.
        15. Change your Account's address of record.
        16. We may offer additional services in the future and, if so, you will be notified of them.
      3. PATROL Password.
        1. You understand that you cannot use PATROL without a member identification number which we refer to as a Password.  YOU AGREE THAT THE USE OF THE PASSWORD CONSTITUTES A REASONABLE SECURITY PROCEDURE FOR ANY TRANSACTION.
        2. You are responsible for the safekeeping of your password for all transactions made by use of PATROL.  We will notify us immediately by phone and send written confirmation if your Password is disclosed to anyone other than the joint owner of your account.  If you disclose your password to anyone (including without limitation, an account aggregate service provider), you understand and agree that you have given them access to your account via PATROL and you are responsible for any such transaction.  You understand and agree that you must change the Password immediately to prevent transactions on your account if anyone not authorized by you has access to your Password.  You further understand and agree that your Password is not transferable and you will not disclose it or permit any unauthorized use thereof.
    1. ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS, POINT OF SALE TRANSACTIONS, CODE 3 RESPONSE AND PATROL.
      1. Right to Receive Documentation of Transactions.
        1. Transaction Receipt. You will receive a receipt at the time you make any transfer to or from your account using one of the ATMs (unless you authorize a transfer knowing receipts are not available) or when you make a purchase using a POS terminal. You should retain this receipt to compare with your statement from us.
        2. Periodic Statement. You will receive a monthly statement (unless there are no transfers in a particular month), for the account(s) which you have accessed using the ATMs, POS terminals, Code 3 Response or PATROL, which will show the calendar date that you initiated the transfer, the type of transfer and the type of account(s) accessed by the transfer, and the amount of transfers occurring in that statement period. You will get a statement at least quarterly.
        3. PATROL.  You may print a record of any individual transaction conducted through PATROL at any time after the transaction is completed.  You may also subsequently contact us to request a paper record for any such transaction provided it is no more than three (3) months old.  A fee may be charged for such paper copy, subject to our Schedule of Fees.
      2. Your Liability for Unauthorized Transactions and Advisability of Prompt Reporting.

You must tell us AT ONCE if you believe your Quick Draw, Quick Draw Plus, VISA® Credit Card or your Quick Draw PIN, Quick Draw Plus PIN or VISA® Credit Card PIN (collectively “Card(s)” and/or “PIN(s)”) or your Code 3 Response or PATROL Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft line of credit). However, if you believe your Card(s) and/or PIN or Password has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your card(s) and/or PIN(s) or Password(s) without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card(s) and/or PIN or Password and we can prove we could have stopped someone from using your Card(s) and/or PIN(s) or Password(s) without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, you must 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 you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period.

      1. Telephone Number and Address to be Notified in Event of an Unauthorized Transaction.

If you believe your Card(s) and/or PIN or Password has been lost or stolen or that someone will or may use it to transfer money from your account without your permission, you must telephone us at: 877-MY-LAPFCU (877-695-2732), or write you at: LOS ANGELES POLICE FEDERAL CREDIT UNION, P.O. Box 10188 Van Nuys, CA. 91410-0188

      1. Regulation "D" Restrictions on Electronic Funds Transfers.

Pre-authorized, automatic or telephone withdrawals or transfers from Share Accounts (including Money Market Accounts) are limited to no more than six (6) transfers in each calendar month. No more than three of the six withdrawals or transfers may be made by check, share draft or other order.

However, you may make an unlimited number of withdrawals from or transfers among your own share Accounts by mail, messenger or in person at the Credit Union or at an ATM. You may also make an unlimited number of withdrawals from your share Accounts through Code 3 Response, PATROL or by telephone if you request that we send you a check. Transfers or withdrawals in excess of the above limitations will not be honored.

      1. Verification.

All transactions affected by use of the ATMs, POS terminals, merchant or Internet purchases using Quick Draw Plus Card access, Code 3 Response, PATROL or other electronic transaction contemplated hereunder which would otherwise require your "wet" signature, shall be valid and effective as if signed by you when accomplished by use of the Card(s) and/or PIN(s) or Password(s) or as otherwise authorized under this Agreement. Deposits at an ATM are subject to verification by us and may only be credited or withdrawn in accordance with our "Delayed Funds Availability Policy." Transactions accomplished after the close of normal business each day shall be deemed to have occurred on our next business day. We are not responsible for delays in a deposit due to improper identification on the deposit envelope or improper keying of your transaction. Information accompanying a deposit should include your name, our name, your member number and where you want your deposit to go.

      1. Stop Payment Disclosure.

You understand that a request for stop payment through PATROL or Code 3 expires and is no longer in effect 184 days from the date hereof.

You understand that the numbers and amounts you enter must be correct for the stop payment to take effect.

You understand that if our financial institution has obligated itself to pay the check, pursuant to California Commercial Code 4303 or a third person becomes a holder in the due course of the check, that we may be obligated to pay the check.

You agree to indemnify us against any and all liability, loss, costs, damages, loss of attorneys, and other expenses, including but not limited to any amount we are obligated to pay on the check.

You understand that you must notify us in writing to cancel the stop, and that the fee is the same as placing the stop.

You understand that Los Angeles Police Federal Credit Union will not be liable for paying a check on the day that the stop payment request is received.

      1. Security of Online Systems.

If you notice a security or privacy breach to this website, you will immediately notify the Credit Union by calling the VP of Technology at (818)779-3354.

 

Disclosures for Bill Pay (COPS on PATROL)

Los Angeles Police Federal Credit Union PATROL Bill Pay Service
(Computerized Online Payment Service (COPS on PATROL)) Terms and Conditions Agreement and Addendum to the Electronic Services Disclosure and Agreement

Revised 8/24/2011

 

Throughout these Agreements and Disclosures, the references to “We”, “Us”, “Our” and “Credit Union” mean LOS ANGELES POLICE FEDERAL CREDIT UNION.  The words “You” and “Your” mean each and all of those (whether one or more persons) who are subject to the agreement(s) as a result of subscribing to Los Angeles Police Federal Credit Union’s COPS on PATROL bill pay service.

COPS on PATROL is a free electronic bill payment service within PATROL that allows LAPFCU members to pay bills from the convenience of your home computer, with the payments being made directly from your LAPFCU checking account.  LAPFCU members can pay your bills manually each month, or set them up to be paid automatically.  As an LAPFCU member, you understand that you must have PATROL access in order to make payments using COPS on PATROL.

NOTE: All references within this document to the terms "Bill Pay Service" and/or "the Service" reflect the COPS on PATROL bill pay service offered by Los Angeles Police Federal Credit Union.

Los Angeles Police Federal Credit Union is not liable for direct or indirect technical or system issues or consequences arising out of your access to, or use of, third-party technologies or programs linked to from the Los Angeles Police Federal Credit Union web site.

Electronic Disclosure of the Agreement for COPS on PATROL

You acknowledge electronic receipt of the Terms and Conditions Agreement and Addendum to the Electronic Services Disclosure and Agreement ("Agreement") associated with Los Angeles Police Federal Credit Union’s (LAPFCU) COPS on PATROL bill pay service, and agree that you have read and will abide by this Agreement as well as the Electronic Services Disclosure and Agreement previously received and incorporated by this reference. You also agree that LAPFCU does not need to provide you with an additional, paper (non-electronic) copy of this Agreement unless specifically requested. Further, you understand that a copy of this Agreement can be printed by using your browser’s print command and a printer. A copy of your Electronic Services Disclosure and Agreement may be requested by you by calling (877) MY-LAPFCU.

Use of a Third Party Bill Pay Service Provider

Los Angeles Police Federal Credit Union has contracted with a third party Bill Pay Service provider to provide bill pay service to our members. This third party Bill Pay Service provider will be processing bill payments and providing information about your account to the Credit Union, related to these member-initiated bill payments. The third party Bill Pay Service provider uses two types of remittance methods to pay bills for end users. Payments may be remitted electronically or by paper check, depending upon the preferences and capabilities of the merchant (Payee).

LAPFCU, at its sole discretion, reserves the right to change Bill Pay Service providers.

Enrollment Request for COPS on PATROL

LAPFCU reserves the right to refuse enrollment in the COPS on PATROL bill pay service to any member who does not meet the COPS on PATROL criteria which has been established by the credit union and/or the third party Bill Pay Service provider.

Transaction Fees for COPS on PATROL

COPS on PATROL is free for all Los Angeles Police Federal Credit Union members who have an eligible Checking Account.  You understand that fees for all LAPFCU services can be found on our fee schedule, which can be viewed by clicking here.

COPS on PATROL

As used in this Agreement, the term "Payee" means the designated merchant, vendor, biller, person, or entity to whom you wish a bill payment to be directed; "User" means the person who subscribes to the COPS on PATROL bill pay service; "Payment Instructions" means the information you provide to the COPS on PATROL bill pay service for a payment to be made to your payee (e.g. Payee name, account number, payment amount, payment date, etc.); "Bill Pay Account" means your checking account designated for using COPS on PATROL bill pay service; "Due Date" means the date your payment is due to the Payee; "Business Day" is every day except Saturdays, Sundays, holidays, and days we are closed; "Approximate Debit Date" means the date that funds must be available in your Bill Pay Account (it is anticipated that this will be 2-5 Business Days before your selected Due Date, depending on the Payee’s method of accepting payment; see chart below); and "Cutoff Time” means 12:00 a.m. (midnight), Pacific Time on any Business Day, and is the time by which you must transmit payment instructions to have them considered entered on the next Business Day.

Following is an illustration of the "Approximate Debit Date":

 

Sun

Mon

Tues

Wed

Thurs

Fri

Sat

Week 1

 

 

 

 

Physical Check*

Date check payment will be debited from your Bill Pay account

 

 

Week 2

 

 

Electronic Payment *

Date electronic payment will be debited from your Bill Pay Account

 

DUE DATE

 

 

*NOTE:  For a first-time payment to a new (unverified) merchant, the merchant must be set up an additional five (5) to ten (10) business days prior to the due date to guarantee payment by the due date.  You understand that any of your merchant set ups or payment instructions must be transmitted to LAPFCU via COPS on PATROL by 12:00 a.m. (midnight) Pacific Time on any business day to have them be considered entered on the next business day.

By providing the Service with the names and account information of those entities and/or persons to whom you wish to direct payment, you authorize the Service to follow the payment instructions that it receives from you or your authorized user through the COPS on PATROL bill pay service. When the Service receives a payment instruction, you authorize it to debit your Bill Pay Account and remit funds on your behalf so that the funds arrive as close to the Business Day designated by you as reasonably possible. (Business Day is every day except Saturdays, Sundays, holidays and days we are closed.)

While it is anticipated that most transactions will be processed according to the above chart before your selected Due Date, it is understood that due to circumstances beyond the control of LAPFCU or the Bill Pay Service provider, particularly delays in handling and posting payments by slow responding companies or financial institutions (Payees), some transactions may take a day or even a few days longer to be credited by your Payee to your account with them.

For this reason, it is necessary that all Due Dates selected by you must be the actual due date, not the late date and/or a date in the grace period.* Payment Instructions entered after the Cutoff Time or on a non-Business Day will be considered entered into COPS on PATROL bill pay service on the next Business Day.

*NOTE: If the date a payment is due falls on a non-Business Day, the Due Date selected by you should be the prior Business Day to ensure timely payment.

In addition, you understand that the initial link for each Payee must be established and verified before the first payment can be posted to your account with that Payee. This "linking" process can take an additional five (5) to ten (10) Business Days. You understand that LAPFCU will not send payments to unverified Payees, and that your payment could be late or not paid at all if you do not allow enough time for the initial linking process.

You may cancel or edit any scheduled payment (including recurring payments) as long as the changes are made before the funds have been debited from your Bill Pay Account. There is no charge for canceling or editing a scheduled payment. Please note: because we will not have a reasonable opportunity to act on any stop payment or cancellation order, it is not possible to stop or cancel a payment once your Bill Pay Account has been debited.

You have signed up for a consumer version of the COPS on PATROL bill pay service. COPS on PATROL is designed and intended to be used for personal, family, or household purposes. For a designated checking account (Bill Pay Account) to be used with COPS on PATROL, you must have established the account primarily for personal, family or household purposes. COPS on PATROL is not specifically designed for business or commercial purposes. You agree to take full responsibility if any of the designated accounts you use with COPS on PATROL are business or commercial accounts. You are obligated to reimburse LAPFCU for any loss we incur as a result of your use of COPS on PATROL for business or commercial purposes.

COPS on PATROL bill pay service will use its best efforts to make all your payments properly. The Service guarantees it will take responsibility for any late fees or finance charges, as a result of the failure of a Payee to receive a payment made through the Service by the due date, if all four of the following conditions are met:

·  The payment was received by the Service at least two (2) or five (5) Business Days prior to the due date, excluding any grace periods.

·   The payment was not made to an excluded Payee (see below for additional information about excluded Payee categories.)

·   The information supplied by the User is correct (Payee name and address, User name and account number as it appears on the Payee’s records).

·   The Service is responsible for the delay in payment. (See Reason for Late Payment chart below)

Please note that this guarantee by the Service does not imply that payments will be delivered and posted within two (2) or five (5) Business Days, since the actual posting date is controlled by the Payee. In cases where the Service is responsible for a late payment, late fees and/or applicable finance charges will be paid on behalf of the User if the Payee is unable or unwilling to waive these charges.

Payments remitted to Payees who receive electronic transactions must be received by the Service two (2) Business Days prior to the due date, not including grace periods, in order to be eligible for the payment guarantee. Payments remitted to Payees who receive paper checks must be received by the Service five (5) business days prior to the due date. These Payment scheduling parameters are known as "days to pay" and are listed next to each merchant Payee in selected payee database. The "days to pay" information for each Payee is provided by COPS on PATROL to assist members in scheduling payments within required time frames.

Following is an overview of responsibility for paying late fees or finance charge penalties:

Reason for Late Payment

Responsibility for Paying

Late Charges/Penalties

 

Bill Pay Service

LAPFCU

User

Lost, cannot determine reason

X

 

 

Not sent to payee as scheduled

X

 

 

Sent to wrong location

X

 

 

U.S. Mail delay

X

 

 

Posting delay by payee

X

 

 

Failure of LAPFCU or Bill Pay Service to maintain database

 

X

 

Intervention by LAPFCU

 

X

 

Incorrect entry by LAPFCU or file error

 

X

 

Scheduled incorrect number of days before due date

 

 

X

Scheduled incorrectly

 

 

X

Incorrect account information supplied by User

 

 

X

 

Excluded Payees

Payees that are excluded from payment through COPS on PATROL are: governmental agencies, including but not limited to federal, state and local taxing authorities including the IRS, collection agencies, DMV, as well as recipients of court-ordered payments such as child support and alimony. Payments to any organizations or individuals with addresses outside of the United States are also excluded. If the Service detects that a link to an "excluded payee" has been created, it will delete the link to the member and the payee from the database. The Payment Guarantee will not apply to late fees for payments that are inadvertently made to these payees.

Our Liability for Failure to Make Transfers

The Service will use its best efforts to make all of your payments properly. However, the Service shall incur no liability if it is unable to complete any payments initiated by you through the Service because of the existence of any one or more of the following circumstances:

·         If, through no fault of LAPFCU, you do not have enough money in your Bill Pay Account, including any available overdraft, to make the payment or transfer.

·         Some or all of the money in your account is subject to legal process or other encumbrance restricting the transfer.

·         There is a malfunction in the COPS on PATROL system or your communication with PATROL, and you know about the malfunction before you initiate the transaction.

·         A Payee mishandles or delays in handling payments sent through COPS on PATROL.

·         You have not provided COPS on PATROL with the correct Payee name, address, or account information or payment amount or due date.

·         Circumstances beyond the Service’s control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

·         The purpose of the payment is to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments.

Provided none of the foregoing seven (7) exceptions to the Service performance obligations are applicable, if the Service causes an incorrect amount of funds to be removed from your Bill Pay Account or causes funds from your Bill Pay Account to be directed to a person or entity which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Bill Pay Account or for directing to the proper recipient any previously misdirected payments or transfers.

Time Frame and Process for Notifying Members of Exceptions to Normal Processing of Service Requests

In the unlikely event we are unable to process your transaction, we will notify you by telephone within two (2) business days after we are notified of the exception by the Bill Pay Service provider. You understand that because the new merchant verification process can take five (5) to ten (10) business days, notification of an exception on a new merchant transaction may extend to two (2) business days beyond the verification period.

If the bill payment resulted in a non-sufficient funds status of your account, we will notify you in writing via U. S. Mail one day after the transaction was to be performed.  You will be charged a NSF Fee in accordance with LAPFCU's established and published Schedule of Fees.

Bill Pay Methods and Restrictions

Payment will be made to your Payee either electronically via the Automated Clearing House (ACH) or by check. The method of payment depends upon the processing method that can be accommodated by your Payee (e.g., some Payees are unable to accept electronic payments).

You understand it is important that you take into consideration what method of bill payment, either electronic or check, that will be used to send a payment to your Payee. If your Payee accepts electronic bill payment, the payment may take up to two (2) to four (4) Business Days to process. If the Payee does not accept electronic bill payment, the payment will be sent in a check form, and may take up to five (5) to ten (10) Business Days to process.

THE FOREGOING SHALL CONSTITUTE THE SERVICE’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBLITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF THE EQUIPMENT SOFTWARE, AND OR THE SERVICE.

EXCLUSIONS OF WARRANTIES

THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Password and Security

To access COPS on PATROL, you will need to log on to the PATROL web site (using the PATROL User ID (member number and Password) and then click on the "Pay bills" button. From there the system will take you to the PATROL Bill Pay site. You agree not to give or make available your PATROL User ID and Password to any unauthorized individuals. You are responsible for all bill payments that you and your COPS on PATROL authorized user, authorize using the Service. If you permit other persons to use the Service or your PATROL User ID and Password (even though you have agreed not to disclose this information) or your PATROL Password, you are responsible for all transactions they authorize. If you believe that your PATROL Password has been lost, stolen, or compromised, or that someone may attempt to use the Service without your consent or has transferred money from your account by accessing your account without your permission, you must notify LAPFCU at once by calling (818) 787-6520.

You also agree that LAPFCU may revoke your PATROL or COPS on PATROL access if unauthorized account access and/or transactions occur as the apparent result of negligence in the safeguarding of the PATROL User ID and Password belonging to you and/or your authorized user.

Your Liability for Unauthorized Transfers
  • You must tell us AT ONCE if you believe your PATROL User ID and Password have been lost, stolen or compromised. Telephoning is the best way of keeping your possible losses down. A written notification to us should follow your telephone call. You could lose all the money in your account (plus your maximum overdraft line of credit). However if you believe your PATROL User ID and Password have been lost, stolen, or compromised, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your PATROL User ID and Password without your permission.
  • If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PATROL User ID and Password and we can prove we could have stopped someone from using your PATROL User ID or Password without your permission if you had told us, you could lose as much as $500.00.
  • If your monthly statement or your online account detail reflects any transfers or payments that you did not make, you must tell us at once. If you do not tell us within sixty (60) days after the first statement which reflected an unauthorized transfer(s) or payment(s) was mailed to you, you may not get back any money you lost after the 60 days, provided that we can prove that we could have stopped someone from taking the money if you had told us in time. If you can document a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the time period.

In case of errors or questions about your COPS on PATROL bill pay service transactions, you must telephone you at: 877-MY-LAPFCU or write you at: LOS ANGELES POLICE FEDERAL CREDIT UNION, 16150 Sherman Way, Van Nuys, CA 91406, as soon as you can, if you think your statement is wrong or if you need more information about a transaction listed on the statement. You can click here for more information about our days and hours of operation for contacting us. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. You must:

·         Tell us your name and account number;

·         Describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and

·         Tell us the dollar amount of the suspected error.

If you tell us orally, we will 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 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. However, if the notice of error involves a transfer to or from an account within thirty days after the first deposit to the account was made, we may have up to twenty (20) days to determine if an error occurred and we will credit such an account within twenty (20) days if more time is needed 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 account.

·         For an electronic fund transfer occurring within thirty (30) days after the first deposit was made to the account, we may take up to ninety (90) rather than forty-five (45) calendar days to complete our investigation.

·         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.

Disclosure of Account Information to Third Parties

We will disclose information to third parties about your account or transfers you make:

·         When it is necessary to complete an electronic transaction; or

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

·         In order to comply with a government agency or Court order, or any legal process; or

·         If you give us written permission.

In the Event a COPS on PATROL Transaction is Returned and/or Overdraws Your Bill Pay Account

In using the COPS on PATROL, you are requesting the Service to make payments for you from your Bill Pay Account. If we are unable to complete the transaction for any reason associated with your designated checking Account (for example, there are not sufficient funds in your Account, including any available overdraft, to cover the transaction), the transaction may not be completed. In some instances, you will receive a return notice or an Overdraft Privilege Service notice from LAPFCU. In these cases, you agree that a non-sufficient funds (NSF) fee or an Overdraft Privilege Service (ODP) fee will be charged in accordance with LAPFCU’s established and published Schedule of Fees.

By enrolling in and using COPS on PATROL, you agree that LAPFCU has the right to collect funds from all of your share accounts as well as the available balance on your Line of Credit accounts to recover funds for all payments that have been requested to be paid by you and your authorized user; this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

Alterations and Amendments

The terms of this Agreement, applicable fees and service charges may be altered or amended by the Credit Union or the Service from time to time. In such event, the Service shall send notice to you at your address of record or by secure electronic message via the PATROL system. Any use of COPS on PATROL by you after a notice of change has been sent, will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the programs, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the COPS on PATROL, and/or related material and limit access to the Service’s more recent revisions and updates.

Address Changes

You agree to promptly notify LAPFCU in writing of any address change.

Termination or Discontinuation

In the event you wish to discontinue the Service, you must do so via COPS on PATROL. You understand that no further payments will be made once termination or discontinuation has occurred, and that any scheduled bill payments that have not yet been debited from your Bill Pay Account will be canceled.

Payee Limitations

COPS on PATROL reserves the right to refuse to pay any person or entity to whom you may direct a payment. The Service is obligated to notify you promptly if it decides to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax, government entity and agency, DMV, collection agency, or court-related payments, or payments to foreign merchants with remittance addresses outside the United States.

Information Authorization

You agree that the COPS on PATROL bill pay service reserves the right to obtain financial information regarding your account from a Payee (merchant) or financial institution to resolve payment-posting problems.

Disputes

In the event of a dispute regarding COPS on PATROL, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement (along with the Electronic Services Disclosure and Agreement) is the complete and exclusive statement of the Agreement between you and the Service which supersedes any proposal or prior Agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what one of LAPFCU’s employees says and the terms of this Agreement, the terms of this Agreement shall control.

Assignment

You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third-party service providers.

No Waiver

The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions

The captions of Sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of California without regard to that state’s conflict of laws provisions. We reserve the right at any time to terminate your right to make transactions as we deem it necessary without prior notice to you.

Security of Online Systems

If you notice a security or privacy breach to this web site or your online activities as they relate to the Credit Union, you should immediately notify the Credit Union by calling 877-MY-LAPFCU (877-695-2732) and ask for the Vice President of Technology at 818-779-3354 or our Fraud Specialist at 818-779-3387.

FinanceWorks & Debit Rewards Offers -- End User License Agreement

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

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

In addition to the FinanceWorks Service and the Debit Rewards Offers, the terms "Service" and “Debit Rewards Offers” also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Debit Rewards information, help content, bug fixes, or maintenance releases, etc.) of the Service or Debit Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Service and Debit Rewards Offers 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 FinanceWorks site or from the Debit Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of the Service or Debit Rewards Offers, 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 Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble, or otherwise reverse engineer the Service except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Service or Debit Rewards Offers or any services provided in connection with them, prevent access to or the use of the Service, Debit Rewards Offers 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 Service; or (vii) otherwise use the Service, Debit Rewards Offers or any services provided in connection with them except as expressly allowed under this Section 1.

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

3. YOUR INFORMATION AND ACCOUNT DATA WITH US.   You are solely 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 Service, Debit Rewards Offers 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 Service, Debit Rewards Offers 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 Service, Debit Rewards Offers 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 Service, Debit Rewards Offers 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 Service, Debit Rewards Offers 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.

 

  4. YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS.  Our financial management tools allow you to view accounts that you may have at other financial institutions (this is a process called “aggregation”). You acknowledge that 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.  You hereby represent that you are the legal owner of your Financial Account Data and that you have the authority to appoint, and hereby expressly do appoint us or our third party vendors as your agent with limited power of attorney to access and retrieve your Financial Account Data on your behalf. You further acknowledge that we do not, nor does our third party vendor review your Financial Account Data and agree that we are not responsible for its completeness or accuracy. Any transactions or informational activities performed at any financial institution’s website are not made through the Service and we assume no responsibility for such transactions or activities. You are solely responsible for any charges associated with your financial institutions.

 

  You acknowledge and agree that: (i) some financial institutions may not allow the Service to access the financial institution services; (ii) financial institutions may make changes to their websites, with or without notice to us, that may prevent or delay aggregation of information from such websites; and (iii) the Service “refreshes” the Financial  Account Data by collecting the Financial Account Data nightly, so your most recent transactions may not be reflected in any account balances or other account information presented to you in the Service. If you see a discrepancy in the Financial Account Data, and in any case before making any transactions or decisions based on such account information presented in the Service, licensee should check the last refresh date for the account and confirm Financial Account Data is correct by following the link back to the applicable financial institution or otherwise confirm that Financial Account Data is up to date and accurate.

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.

5. USE, STORAGE AND ACCESS.   We shall have the right, in our sole discretion and with reasonable notice posted on the FinanceWorks site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the Service and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the Service at any time, and (ii) the number of times (and the maximum duration for which) you may access the Service 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 Service and any related services to which such changes relate. Your continued use of the Service or any related services will constitute your acceptance of and agreement to such changes.  Maintenance of the Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.

6. THIRD PARTY SERVICES.   In connection with your use of the Service, Debit Rewards Offers, 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.

7. THIRD PARTY WEBSITES.   The Service 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 Service, Debit Rewards Offers 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.

8. EXPORT RESTRICTIONS.   You acknowledge that the Service 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 Service, 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.

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

Debit Rewards.  You will earn rewards for your participation in the Debit Rewards Offers program based on total purchases. If you participate in the Debit Rewards Offers, 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 Debit Rewards Offers deposit account which is associated with the Debit Rewards Offers program. 

Debit Rewards Offers Account.  You must use the debit card associated with the Debit Rewards Offers 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 Debit Rewards Offers 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 Debit 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:

  • Any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the Debit Rewards Offers program. 
  • The rewards information that we provide to you, which is provided “as is” and “as available”.
  • (i) your inability to comply with offer guidelines, (ii) the accuracy, timeliness, loss or corruption, or mis-delivery, of any qualifying purchase information or any other information, (iii) unauthorized access to your account(s) or to your account information and any misappropriation, or alteration, of your account information or data, to the extent that the unauthorized access results from your acts or omissions, or (iv) your inability to access your account(s) including, but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or internet service providers, acts of God, strikes, or other labor problems.
  • Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.

     

 

 

2013 Los Angeles Police Federal Credit Union All rights reserved.