Expedition CU Card Controls Terms & Conditions
PLEASE CAREFULLY READ THE FOLLOWING TERMS AND CONDITIONS BEFORE AGREEING TO PARTICIPATE IN
THE EXPEDITION CREDIT UNION CARD CONTROL SERVICE (THE "SERVICE"). YOU
AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS ("AGREEMENT") AND REPRESENT AND WARRANT
THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THIS AGREEMENT.
Service. The Service is offered by Expedition Credit Union (referred to herein as
"Expedition CU", "us", "we" or "our"). The Card Control
Service is designed to allow you to temporarily or permanently disable your Expedition CU debit
and/or credit card in the event it is misplaced, lost, or stolen. The Service may also be used to
send transactions alerts via SMS or email notifications. Access to the Services is limited to
Expedition CU’s Online or Mobile Banking platforms.
The Service does not allow for the
cancellation of authorized or pre-authorized debit card transactions. It is not intended as a method
for stopping payment on authorized or pre-authorized transactions. In accordance with Visa Operating
Rules, all transactions, for which there is a prior authorization, will be paid by Expedition CU.
This applies to authorizations made in both card present and card not present situations, and in
cases of pre-authorized recurring transactions. Pre-authorized recurring transactions must be
stopped in accordance with the agreement made with the merchant involved in the
Fees. Expedition CU does not charge for use of the
Service. However, in order for Transaction Alerts to be sent to your mobile telephone number(s), you
must (i) own a two-way text message (or "SMS") capable mobile phone that is registered on
a carrier network, (ii) have enrolled in a data plan that includes use of your mobile handset’s SMS
capabilities and (iii) ensure that your account remains in good standing with your wireless service
carrier. You hereby acknowledge and agree that standard text messaging rates apply for each text
message sent from and received by your mobile phone as determined by your wireless service carrier.
You are solely responsible for such charges and any other charges from your wireless service
carrier. You should contact your wireless service carrier for complete pricing
Transaction Alerts. Following your registration to receive
Transaction Alerts sent to your mobile telephone number(s), the actual time between a transaction
made with your Card that triggers a Transaction Alert and the time you receive such Transaction
Alert is dependent on your wireless carrier’s service and coverage within the area in which you are
physically located at that time. Your receipt of Transaction Alerts may not be available in all
Eligibility. The Service is only available to individuals who are:
(i) of legal age of majority in their jurisdiction of residence (and at least 18 years of age); and
(ii) own a Expedition CU debit and/or credit card that is in good standing and eligible for the
Service ("Card"). Note: Eligibility of a Card will be determined by us in our sole and
absolute discretion. Our decisions with respect to your eligibility are final and binding. We
reserve the right to terminate your participation in the Service at any time. The user must qualify
for Online and Mobile Banking services in order to use the Service. The user must adhere to the
terms and conditions outlined in separate agreements for Online and Mobile Banking, and the
Electronic Funds Transfer Agreement and Disclosure, which is included as part of the Credit Union’s
No Amendment of Existing Terms and Conditions for
Cards. THE TRANSACTION ALERTS THAT ARE PROVIDED TO YOU THROUGH THIS SERVICE DO NOT AMEND,
SUPPLEMENT, CHANGE OR REPLACE ANY OTHER NOTICE OR INFORMATION THAT YOU MAY RECEIVE IN CONNECTION
WITH YOUR CARD ACCOUNT, INCLUDING, BUT NOT LIMITED TO, ANY INFORMATION PROVIDED TO YOU ON YOUR
PERIODIC STATEMENT OR CARDMEMBER AGREEMENT.
Warranties. Equipment, Computer, and Software. Expedition CU, ITS DIRECTORS, OFFICERS,
EMPLOYEES, STAFF, REPRESENTATIVES, ASSIGNS, RELATED PARTIES, AFFILIATES, SUBSIDIARIES, DIVISIONS,
ADVERTISING AND PROMOTION AGENCIES OR THEIR SERVICE PROVIDERS (COLLECTIVELY, "RELEASED
PARTIES") SPECIFICALLY DISCLAIM ANY RESPONSIBILITY AND ALL WARRANTIES OF ANY KIND, WHETHER
EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICE OR EQUIPMENT. YOU AGREE THAT YOUR USE OF AND
ACCESS TO THE SERVICE AND ANY EQUIPMENT ARE AT YOUR SOLE RISK. THE SERVICE AND ANY EQUIPMENT USED TO
MAKE AVAILABLE SUCH SERVICE IS PROVIDED ON AN "AS IS" AND AN "AS AVAILABLE"
2. Limitation of Liability. IN NO EVENT SHALL RELEASED PARTIES BE
LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE LOSS OR DAMAGE
FOR ANY BREACH OF THIS AGREEMENT, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF BUSINESS OR
GOODWILL, LOSS OF USE EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE OR ANY
CLAIM BY ANY THIRD PARTY. RELEASED PARTIES SHALL NOT BE LIABLE IF THE SERVICE CANNOT BE PROVIDED (OR
ANY PART THEREOF) OR FOR ANY FAILURE TO PERFORM ANY OBLIGATIONS CONTAINED IN THIS AGREEMENT DUE TO,
DIRECTLY OR INDIRECTLY, THE FAILURE OF ANY EQUIPMENT OR ANY INDUSTRIAL DISPUTE, WAR, FLOOD,
EXPLOSION, ACT OF GOD OR ANY OTHER EVENT BEYOND OUR CONTROL.
IN ADDITION, NOTWITHSTANDING
ANYTHING CONTRARY HEREIN, ALTHOUGH Expedition CU WILL TAKE COMMERCIALLY REASONABLE PRECAUTIONS TO
PROTECT THE SERVICE AND AVOID DELETION, CORRUPTION, UNAUTHORIZED MODIFICATION OR ACCESS OF OR TO THE
SERVICE, AND TO PROVIDE THE SERVICE ERROR-FREE OR UNINTERRUPTED, NO REPRESENTATION OR WARRANTY OF
FITNESS OR MERCHANTABILITY SHALL BE CONSTRUED UNDER THIS AGREEMENT, AND RELEASED PARTIES
SPECIFICALLY DISCLAIM ALL LIABILITY WHATSOEVER WITH RESPECT TO ANY FAILURE TO PROTECT THE SERVICE OR
PROVIDE THE SERVICE ERROR-FREE OR UNINTERRUPTED.
3. Indemnity. You agree to
indemnify and hold harmless the Released Parties from any loss, liability, claim, or demand,
including reasonable attorneys’ fees, made by any third party due to or arising out of your use of
the Service in violation of this Agreement and/or arising from a breach of this Agreement and/or any
breach of your representations and warranties set forth herein.
4. Exclusions and
Limitations. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE
LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF
THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
5. Dispute Resolution. Any claim
shall be handled in accordance with the dispute resolution provisions of the agreement governing
your Card account.
Availability of Service. While we will make every effort
to decline transactions while your card is in a deactivated state, we cannot guarantee that all such
transactions will be declined due to circumstances beyond our control. You acknowledge that the
deactivation function is reliant on computer and/or telecommunication systems. Disruptions to these
systems may result in the authorization of transactions, even when the card is in a deactivated
state. Reactivation of cards may be unavailable during certain times of the day. We will attempt to
notify you of these times. Transactions are covered by the protections offered by Visa and
regulatory agencies, as described in the Electronic Funds Transfer Agreement and Disclosure, which
is included as part of the Credit Union’s Account Disclosures.
You are responsible for
monitoring your account activity, whether electronically or by checking your statements. Use of the
Service does not override the user’s responsibility to report unauthorized transactions in a timely
manner as described in the Electronic Funds Transfer Agreement and Disclosure. The Credit Union
assumes no responsibility for failure of the Service to work in the expected manner, aside from the
responsibilities put forth in said agreement.
Enforceability. We may waive
enforcement of any provision of the Agreement. No waiver of a breach of this Agreement shall
constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not
affect our rights with respect to any other transaction or to modify the terms of this Agreement. In
the event that any provision of this Agreement shall be deemed to be invalid, illegal, or
unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise
affected and shall continue to be valid and enforceable to the fullest extent permitted by
Amendment. We may change this Agreement at any time. We may add new
terms and conditions and we may delete or amend the existing terms and conditions. You will
generally be provided advance notice of any change. If the change is favorable for you, we may make
the change at any time without prior notification. If you do not agree with the change, you may
discontinue using the Service. If you continue using the Service, your continued use will be
acceptance to the agreement changes.
Termination. We may terminate or
suspend the Service, or your use of the Service, at any time. You may terminate your use of the
Service at any time through the card control application or by giving notice to us. Your notice will
not be effective until we receive your notice of termination and we have had a reasonable time to
act upon it. Without limiting the foregoing, this Agreement may be terminated if you breach any term
of the Agreement, if you use the Services for any unauthorized or illegal purposes or you use the
Services in a manner inconsistent with the terms of your Membership Account Agreement or any other
Agreement with us.
Contact Us. If you have any questions about the Service
or any card transaction, please visit www.expeditioncu.com or contact a Member Services
Representative at: 651.264.0669 or 800.229.2848 Monday through Thursday 8:30 am to 5 pm Central