ONLINE BANKING AGREEMENT AND DISCLOSURE
The primary licensor for the online and/or mobile banking service you are using (the “Service”) is Jack Henry & Associates, Inc. (the “Provider”). By enrolling in our Service, you hereby agree as follows:
(i) General. The Provider is not the provider of any of the financial services available to you through the Service, and the Provider is not responsible for any of the materials, information, products or services made available to you through the Service.
(iii) Source of Information. The Service, at your direction, will retrieve your information maintained online by financial institutions and billers with which you have customer relationships, maintain accounts or engage in financial transactions and other log-in related information (“Account Information”). Provider does not review, verify or analyze the Account Information for accuracy or any other purpose, but simply gathers, organizes and reports available Account Information to you. Technical difficulties may result in a failure to obtain data, a loss of data, a loss of personalized settings or other service interruptions. Account Information is timely only to the extent that it is promptly provided by the third-party sites. Account Information may be more complete or up to date when obtained directly from the third-party sites.
(iv) Your Responsibility for Information. You are responsible for providing Provider with accurate and updated (as necessary) account numbers, user names, passwords and other log-in related information (“Registration Information”) so that the Service is able to access Account Information. If you become aware of any unauthorized use of your Registration Information, you should notify your financial institution immediately.
(v) Rights You Grant to Provider. By submitting data, passwords, user names, PINs, log-in information, materials and other Registration Information to Provider through the Service, you are voluntarily supplying that content to Provider for the purpose of providing the Service to you. By submitting such information to Provider, you represent that you are entitled to submit it to Provider for use for this purpose, without any obligation by Provider to pay any fees. By using the Service, you expressly authorize Provider to access your Account Information maintained by identified third parties, on your behalf as your agent. When you use the “Add Accounts” feature of the Service, you will be directly connected to the website for the third party you have identified. Provider will submit information including user names and passwords that you provide to log you into the site. You hereby authorize and permit Provider to use and store the information submitted by you (such as account passwords and user names) to accomplish the foregoing and to configure the Service so that it is compatible with the third-party sites for which you submit your information. You acknowledge and agree that when Provider is accessing and retrieving Account Information from the third-party sites, Provider is acting on your behalf and not on behalf of the third party. You acknowledge that certain risks are inherent in the transmission of information over the internet, and you agree that by using the Service you are assuming those risks.
(vi) Consent to Use of Data. You agree that Provider may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services (if any) related to the Service. Provider may use this information, as long as it is in a form that does not personally identify you, to improve its products or provide services or technologies.
(vii) Disclaimer of Warranty. THE SERVICE IS PROVIDED ON AN ‘AS IS’ AND ‘AS AVAILABLE’ BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SERVICE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SERVICE WILL BE UNINTERRUPTED. YOUR USE OF THE SERVICE AND ANY MATERIAL OR SERVICES OBTAINED OR ACCESSED VIA THE SERVICE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
(viii) Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PROVIDER BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, PROVIDER’S LIABILITY ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE SHALL NOT EXCEED IN THE AGGREGATE THE SUM OF $250. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
(ix) Google Analytics. To assist Provider in maintaining and improving this application, Provider uses Google Analytics to gather information about usage of the Service. For example, it tracks how many visitors the Service has, which screens they spend time on, what kinds of operating systems and devices they use, and how they found the Service. Google Analytics does not track, collect or upload any data that personally identifies an individual (such as a name, email address, account number or billing information), or other data which can be reasonably linked to such information. The information helps Provider improve the performance of this Service for you. For more information on Google’s use of the data, please see the website “How Google uses data when you use our partners’ sites or apps” located at http://www.google.com/policies/privacy/partners/.
(x) Miscellaneous. This End User Agreement constitutes the entire agreement between you and Provider concerning the subject matter hereof. This End User Agreement will be governed by and construed in accordance with the laws of the state of Iowa, excluding that body of laws pertaining to conflict of laws. If any provision of that portion of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this End User Agreement are subject to the exclusive jurisdiction of the courts of Iowa and you expressly consent to jurisdiction and venue thereof and therein. This End User Agreement and all related documentation are and will be in the English language. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded.
ONLINE BANKING AGREEMENT AND DISCLOSURE
Please carefully read the following Online Banking Agreement and Disclosure (hereinafter referred to as the “Agreement”. At the end of this Agreement, please acknowledge whether you accept or decline by clicking the appropriate box.
GENERAL DESCRIPTION OF AGREEMENT
This Agreement is between you and Slovenian Savings and Loan Association (hereinafter sometimes referred to as “it”, “us”, “our”, we”, or “Association”), and will govern the use of Slovenian Savings and Loans online banking. Our online banking permits our customers to perform a number of banking functions through the use of a personal computer.
RELATION TO OTHER AGREEMENTS:
Your use of our online banking may also be affected by other agreements which are used in setting up your accounts at Slovenian Savings and Loan. When you link an account to our online banking, you do not change these other agreements. When using online banking, if there is a conflict between any terms and conditions in this Agreement and those contained in other agreements with us, this Agreement will control. Incorporated herein by reference are all of those regulatory disclosures you have previously received from Slovenian Savings and Loan. By accepting this Agreement, you are also acknowledging that you have read the various regulatory disclosures that you received when opening accounts with us.
DISCLOSURE OF “BUSINESS DAY”:
Our business days are Monday through Friday, excluding Holidays.
ONLINE BANKING SERVICES:
A. Overview: Slovenian Savings and Loan Online Banking can be used to:
B. Description of Online Services:
1. Transfers and Payments:
As an online customer of Slovenian Savings and Loan, you are permitted to make a transfer of funds from your checking, savings or home equity line of credit to another checking or savings account maintained at Slovenian Savings and Loan.
Transfers can also be made as a payment on your loan originated by us. Payments can be entered as a one time or recurring transaction scheduled to repeat at selected time intervals. Payments or transfers entered on our system before 2:00 P.M. Eastern Time on a business day may be processed on the same business day. Payments after this time may be processed on the next business day.
The completion of a transfer is subject to the availability of funds in your account at the time of final processing. If you do not have sufficient funds available, your attempted transfer will not process.
All transfer requests from your checking or savings account, or your home equity line of credit are reflected in your available balance for that account. Transfers entered before 2:00 P.M. on a business day are processed on that business day. Transfers entered after 2:00 P.M. or on a non-business day may be processed on the next business day.
The amount of transfers are limited to the available balance in the respective transfer account.
Transfers to and from Certificates of Deposit are not permitted and transfers from Christmas Club accounts are not permitted.
2. Online Bill Payments:
Payments you make through Slovenian Savings and Loan online bill payment services are processed by either an electronic funds transfer or a bill payment check.
Electronic funds transfers made by consumers are subject to the provisions of the Electronic Funds Transfer Act which provides a basic framework establishing rights, responsibilities, and liabilities in electronic funds transfer systems. The regulation is referred to as “Regulation E”.
There is no limit on the number of bills you can pay. There is a $99,999.99 maximum amount per processing day, a $99,999.99 maximum amount per processing month, a $1,000.00 maximum per individual, and a $2,000.00 per day maximum amount to pay any combination of individuals that you make with us, so long as funds are available in the account you are attempting to perform the bill payment out of.
Upon receipt of your request of online bill payment, we are authorized to withdraw the necessary funds from your account on the date you schedule for the payment to be initiated. We are authorized to process your bill payment request and charge your bill payment account even though it does not bear your signature. You agree that you will instruct us to make a withdrawal only when a sufficient account balance is available at the time of withdrawal. In the instance a transfer request is initiated against an account with insufficient funds, the bill payment system will attempt to perform the transaction every day until funds are available to complete the bill payment transaction. If you would not like the transfer to take place even when funds become available, it is your responsibility to delete the bill payment. We are under no obligation to notify you if it does not complete a payment because of insufficient funds. If a bill payment is insufficient and you delete that bill payment prior to funds being disbursed, you are responsible for making alternate arrangements for payment.
Payments may be changed or cancelled online anytime prior to 2:00 P.M. on the business day prior to the day the transaction is scheduled to be initiated. If an electronic bill payment takes place and funds are removed from your account, you cannot stop that bill payment from being transmitted. If a bill payment check is mailed, a stop payment form must be completed at one of our offices as soon as possible to prevent the check from being paid. The standard stop payment fee will apply.
3. Mobile Deposits
Please note your funds will not be immediately available. Deposits done before 3:00pm will be deposited the following business day. Deposits done after 3:00pm will not be deposited for 2 business days.
Important: All items processed via remote deposit capture must be endorsed as: “For Mobile Deposit Only”
Limits: Mobile Remote Deposit Capture is for Slovenian Savings and Loan accounts only. Customers can only deposit $5,000.00 in a single transaction, $5,000.00 deposit limit in a day and a $10,000 total deposit limit in a month. The customer is limited to 5 transactions in a day and 10 transactions in a month.
Slovenian Savings and Loans Liability for Failure to make Electronic Transfers:
Slovenian Savings and Loan is responsible for exercising ordinary care in making payments directed through your account. We will not be liable in any way for damages incurred by you due to delays in mail delivery, changes in vendor’s addresses, and the failure of any vendor to account correctly for or credit such payments in a timely manner or for any other circumstances beyond our control. If we do not complete an online transfer or bill payment to or from your account on time or in the correct amount we will be generally liable for direct losses or damages as limited herein.
Limitations on Our Responsibility:
We will not be liable for failure to make an electronic transfer where conditions or circumstances outside of our control prohibit us from completing the transaction. Examples of this include, but are not limited to: insufficient funds in your account, funds in your account become subject to an encumbrance or levy, malfunction in your computer software, emergencies at Slovenian Savings and Loan, our placement of a “hold” on your account or the account was closed. We reserve the right not to process a transfer or bill payment for security reasons. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer or bill payment and we will likewise not be liable for any incidental or consequential damages.
Consumer Liability for Unauthorized Transfers and Advisability of Prompt Reporting:
Tell us at once if you believe your password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. You can call us at 814-535-7658 or write to us at Slovenian Savings and Loan, 361 First Street, Conemaugh, PA 15909.
If you tell us orally, we may require that you send us your complaint in writing within 10 business days.
If you believe that your password has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your password without your permission.
If you do not tell us within two business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.
If your statement shows transfers that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
We will determine whether an error occurred within 10 business days after we hear from you and will correct the error promptly. If we need more time, however, for most errors we may take up to 45 days to investigate your complaint or question.
If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
Your Liability for Unauthorized Transfers (Business Accounts Only):
You agree that we may send confidential information including your User ID to the current address shown in our records for your account, whether or not our records include delivery instructions to a particular individual. You also agree that we will not be responsible or liable in any way in the event that such properly addressed information is intercepted by an unauthorized person, either in transit or at your address. You agree (1) to keep your User ID and password secure and confidential, providing them only to authorized signers on your account(s), (2) to instruct each person with whom you share your User ID and password that this information is not to be given to any unauthorized person, and (3) to notify us immediately if you believe your User ID and password have been compromised and select a new password.
If a business account requires more than one signature on checks, no transactional authority will be granted by Slovenian Savings & Loan within the online banking.
Slovenian Savings and Loan shall have no liability to you for any unauthorized payment or transfer made that occurs before you have told us of possible unauthorized use and we have had a reasonable time to act on that notice. We reserve the right to suspend or cancel your online access, even if you have notified us of unauthorized access to your account(s), if we suspect the account is being used in an unauthorized or illegal manner.
Unless otherwise required by law, in no event shall we be liable to you for special, indirect or consequential damages including, without limitation, lost profits or attorneys’ fees, even if we are advised in advance of the possibility of such damages.
Termination of Slovenian Savings and Loan Online Banking or Bill Pay:
Either you or Slovenian Savings and Loan may terminate your online banking service or bill payment service. Upon termination of your online service or bill payment service, all pending payments as of the date of your service termination will be cancelled. If you terminate your online or bill payment service, you must send written notice to Slovenian Savings and Loan, 361 First Street, Conemaugh, PA 15909. We must receive such notice at least 5 days in advance of the termination date. We reserve the right to terminate the online and bill payment services or your enrollment in this service at any time. We may terminate your online and bill payment services without prior notice to you if (1) we, within our sole discretion, suspect fraud or other illegal activity, (2) if there exists any other reason for which the terms and conditions applicable to your enrolled account(s) permit us to close your enrolled accounts(s), or (3) your online account is dormant for 12+ months.
When your Slovenian Savings and Loan online service is linked to one or more joint accounts, we may act on the verbal, written, or electronic instructions of any one authorized signee regarding your service. If a joint account requires more than one signature on checks, no transactional authority will be granted by Slovenian Savings & Loan within the online banking platform.
C. SETTING UP YOUR SLOVENIAN SAVINGS AND LOAN ONLINE ACCOUNT WITH SLOVENIAN SAVINGS AND LOAN:
(visit https://my.sloveniansavings.com/login and click on “Test Browser” to perform a test to see if your web browser meets the specifications to use the online banking platform)
D. SERVICE CHARGES AND FEES
E. SERVICE HOURS
Slovenian Savings and Loan online banking is available 365 days a year 24 hours a day, except during system maintenance and upgrades. When this occurs, a message will be displayed online when you sign on to the online banking.
A. AMENDMENT TO THIS AGREEMENT
Slovenian Savings and Loan reserves the right to change this Agreement at any time, and you will be notified of such changes by mail or electronic message. If you maintain your Slovenian Savings and Loan online and or bill payment services after the effective date of any change, you will be considered to have consented to such change or amendment.
B. DISCLOSURE OF ACCOUNT INFORMATION
Slovenian Savings and Loan will disclose information to third parties about your account(s) or the transfers you make:
For more information on our Privacy Protection Policy refer to our website at www.sloveniansavings.com.
C. ACCOUNT STATEMENTS
You will receive a monthly statement (or at least quarterly if there were no transfers in a particular month) that show transactions for any account that has electronic fund transfers to or from the account. These account statements are also available to you within the online banking platform.
D. ACKNOWLEDGEMENT OF REASONABLE SECURITY PROCEDURES
By using our online banking service, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions which are reasonable. You agree to be bound by instructions which we implement in compliance with these procedures.
E. GOVERNMENT LAW
Disputes arising from or related to this Agreement shall be governed by laws of the commonwealth and jurisdiction for any litigation involving same will lie exclusively in Cambria County, Pennsylvania.
F. COMPUTER SYSTEM FAILURES AND DATA LOSS
Each party to this Agreement will assume the risk of loss associated with loss of data, software or computer system failure attributable to viruses, worms or other similar components which may be downloaded during online services. This provision shall not apply to intentional acts which are designed to lead to system failure. Under no circumstances shall we be responsible for any indirect, incidental or consequential damages.
G. INVALID, ILLEGAL OR UNENFORCEABLE PROVISIONS OF THIS AGREEMENT
In the event any one or more provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable, and the invalid or unenforceable provisions shall be deemed modified to the extent necessary to make it valid, legal and enforceable while encompassing the intent of the parties.
H. OTHER DISCLOSURES
In addition to this Agreement, you and Slovenian Savings and Loan agree to be bound by and comply with the requirements of all agreements and disclosures applicable to each of your accounts with Slovenian Savings and Loan.
We may make partial assignments to independent contractors to perform various tasks in connection with online services provided.
J. EXCLUSION OF WARRANTIES
Slovenian Savings and Loan makes no express or implied warranties or representations as to the accuracy or completeness of Slovenian Savings and Loan online and bill payment services, including, but not limited to, any warranties or merchantability, fitness for a particular purpose or non-infringement.
By clicking the “I Accept” box below, you acknowledge your consent and agreement to the foregoing Agreement and further acknowledge that you have accepted electronic delivery of the terms and conditions contained in this Agreement and all of the disclosures referenced in this Agreement and contained on our website located at www.sloveniansavings.com. You also agree that all of the other disclosures referenced in this Agreement that pertain to your particular account(s) were previously received by you from Slovenian Savings and Loan Association. If you decline, please signify by clicking the “I Decline” box below.
I Accept the Electronic Services Agreement and Disclosure
I Do Not Accept the Agreement