Terms and Conditions for Online Banking
Thank you for using the Online Banking Services (“Services”) and any related Software (“Software”) provided by SouthPoint FCU (“Financial Institution”) combined with your handheld’s text messaging capabilities. By participating in the Services or using the Software, you are agreeing to the following terms and conditions, in addition to any terms and conditions to which you have previously agreed with respect to the underlying electronic banking and billpay services of which the Service is a part. Financial Institution in its discretion may modify these Terms and Conditions at any time. Standard messaging charges apply.

Terms and Conditions:

A. Program: Financial Institution offers their members online & mobile access to their account information (e.g., for checking balances and last transactions) over the internet, Short Message Service (SMS), as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user’s banking relationship with Financial Institution as well as providing a mobile phone number. The mobile phone number’s verification is done by the user receiving an SMS message, email, or phone call with a verification code which they will have to enter on the website. Additionally, members may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the member. This program will be ongoing. Standard messaging charges apply. Members will be allowed to opt out of this program at any time.

B. Questions: You can contact us at [email protected], video chat, or 877-794-6712 or send a text message with the word “HELP” to this number: 454545. We can answer any questions you have about the program.

C. To Stop the SMS text program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says “STOP” to this number: 454545. You’ll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

D. The Services and/or Software may not be available at any time for any reason outside of the reasonable control of Financial Institution or any service provider.

SouthPoint Financial Credit Union Online Services Privacy and User Information.
You acknowledge that in connection with your use of the Services, Financial Institution and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with the Services or Software (collectively “User Information”). The Financial Institution and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver the Services and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The Financial Institution and its affiliates and service providers also reserve the right to monitor use of the Services and Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use.
You agree not to use the Services and Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use the Services and Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Financial Institution (in its sole discretion), that is harassing, coercive, defamatory, libelous; abusive, threatening, obscene; or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials that transmission of which could diminish or harm the reputation of Financial Institution or any third-party service provider involved in the provision of the Services; or (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or Services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Financial Institution, any third-party service provider involved in providing the Services, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (i) access any Software or Services for which your use has not been authorized; or (ii) use or attempt to use a third party’s account; or (iii) interfere in any manner the provision of the Services or Software, the security of the Services or Software, or other members of the Services or Software, or otherwise abuse the Services or Software.

Geolocation Information
Our mobile banking app periodically collects, transmits, and uses geolocation information to support features that prevent fraudulent card use and alerts, or to provide location-based services but only if you expressly authorize collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the app is being used, or not at all. You can change your location permissions at any time in your device settings.

SouthPoint Financial Credit Union Online & Mobile Banking Agreement and Disclosures
This Agreement governs the use of SouthPoint Financial Credit Union’s online & mobile banking, jointly referred to as the “online banking”, “internet banking”, electronic banking”, “text (SMS) banking”, “Mobile Web Browser”, “Mobile App” or “Mobile Deposit”, provided by SouthPoint Financial Credit Union, also referred to as “SPFCU”. By using the Service to conduct transactions, you agree to the terms of this Agreement.

Federal Disclosure
You agree to accept this disclosure electronically rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you.

Definitions
As used in this Agreement, “account” and “accounts” mean the SPFCU account in which you are either the owner or joint owner. “Loan account” and “loan accounts” mean any loan you have with the Credit Union. “You,” “your,” and “yours” mean the person(s) using the Service. “We,” “our,” us,” and “Credit Union” refer to the individual Credit Union (SouthPoint Financial Credit Union) that holds your accounts.

Access and Security
Your Online Banking Security Code is required to access SPFCU’s Mobile Banking functions. You are responsible for all transactions and transfers you authorize using the Service. You agree not to give or make available your Security Code to any unauthorized individual. You may be required to change your Security Code on a periodic basis. We are entitled to act on the instructions received under your Security Code. For security purposes, it is recommended that you memorized the Security Code and do not write it down.

If you believe your Security Code has been lost or stolen, someone has attempted to use the Online and/or Mobile Banking Service without your consent, your deposit account(s) or loan account(s) have been accessed, or someone has transferred money without your permission, you must notify SPFCU immediately at 877-794-6712. SPFCU does not maintain a record of your Security Code. If you lose or forget your Security Code, you may select a new confidential Security Code. You also agree that SPFCU may revoke your Online and/or Mobile Banking account access services if unauthorized account access and/or transactions occur as the apparent result of negligence in the safeguarding of the Logon ID and Security Code(s) belonging to you and/or your authorized user.

Use of Online and/or Mobile Banking
To use Online and/or Mobile Banking, you must have at least one SPFCU share account. SPFCU reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances.

MOBILE BANKING
The use of Mobile Banking may incur additional data charges depending on your wireless carrier. Please consult your wireless provider/carrier for details on correlated rates and charges. All terms and conditions applicable to Online Banking may apply to the Mobile App.

GENERAL DISCLOSURES AND AGREEMENTS

Transactions that are not completed

Electronic services are limited to the extent, and subject to the terms, noted below:

Your ability to transfer funds between certain accounts is limited by federal law and the Account Agreement and Disclosures. You should refer to the Account Agreement and Disclosures for legal restrictions and service charges applicable for excessive withdrawals or transfers. Transfers made using the Online and/or Mobile Service are counted against the permissible number of transfers described in the Account Agreement and Disclosures.

If we fail to complete a transfer to or from your designated account(s) on time and in the correct amount, and we have agreed to perform such transfer(s) (with certain exceptions), we may be liable for your losses or damages. Any claim for interest or dividends payable by SPFCU shall be at SPFCU’s published savings or share draft account rate. We also will not be liable:

• If we have terminated this Agreement.
• If through no fault of ours, you do not have enough money in your account(s) to make the transfer.
• A legal order directs us to prohibit withdrawals from the account(s).
• The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.
• If circumstances beyond our control (such as fire or flood) prevent the transaction from being completed despite reasonable precautions we have taken.
• You have reported an unauthorized use of your Logon ID and Security Code, reported it as stolen, or requested that we issue a new Security Code, and we have as a result refused to honor the original Security Code.
• If your account is closed, frozen, or funds are uncollected.
• If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
• If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan.
• If any part of Online Banking is not working properly and you knew about the problem when you started the transactions.
• If other exceptions are introduced as provided by applicable law.

MOBILE DEPOSIT CAPTURE

Use of the Service
You are authorized to remotely deposit paper checks into your SPFCU account by electronically transmitting a digital image of the paper checks to SPFCU.

Upon receipt, SPFCU will review the image for acceptability. You understand and agree that receipt of an image does not occur until after SPFCU notifies you of image receipt, via the Deposit History feature. You understand that notification from SPFCU confirming receipt of an image does not mean that the image contains no errors or that SPFCU is responsible for any information You transmit.

SPFCU is not responsible for any image it does not receive. Following receipt of the image, SPFCU may process the image by preparing a “substitute check” or clearing the item as an image. SPFCU reserves the right, at its sole and absolute discretion, to accept or reject any item for remote deposit into your Account. You understand that any amount credited to your Account for items deposited using Mobile Deposit is a provisional credit, and You agree to indemnify SPFCU against any loss suffered because of SPFCU’s acceptance of the remotely deposited check.

In addition, You agree that You will not:

1. Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or the Service,
2. Copy or reproduce all or any part of the technology or the Service; or
3. Interfere or attempt to interfere, with the technology or the Service.

Required Equipment
Mobile Deposit is available for iPhone users and smart phones with the Droid operating system.

Scanning Recommendations

1. Use BLACK ink when endorsing or placing memos on the check.
2. For better edge contrast, place a solid white sheet of paper behind the check while scanning.

Check Requirements
Any image of a check that You transmit to SPFCU must accurately and legibly provide all the information on the front and back of the check at the time presented to you by the drawer. Prior to scanning the original check, You will endorse the back of the original check.

Your endorsement will include your signature and the following information:

1. Deposit Account Number,
2. Date
3. The words “via Mobile Deposit“

You understand that the scanned image of the check transmitted to SPFCU must accurately and legibly provide, among other things, the following information:

1. The information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s).
2. Other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check.

The image quality for the check will meet the standards for image quality established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house, or association.

Unacceptable Deposits
You understand and agree that You are not permitted to deposit the following items using Mobile Deposit:

1. Any item written from and deposited in to the same SPFCU checking account.
2. Any item that is stamped with a “non-negotiable” watermark.
3. Any item that contains evidence of alteration to the information on the check.
4. Any item issued by a financial institution in a foreign country.
5. Any item that is incomplete.
6. Any item that is “stale dated” or “postdated.”

Limitations on Frequency and Dollar Amount and Daily Deposit Limit
You understand and agree that you cannot exceed the limitations on frequency and dollar amounts of remote deposits SPFCU has set forth. You understand that the daily deposit limit is set based upon length of account, account relationship and previous deposit activity.

Rejection of Deposit
SPFCU is not liable for any service or late charges levied against you due to rejection of any item. You are responsible, in all cases, for any loss or overdraft plus any applicable fees due to an item being returned. It is your sole responsibility to verify that items deposited using Mobile Deposit have been received and accepted for deposit.

SPFCU will attempt to reach you, using the information SPFCU has on record (email, phone), to notify you that a deposit has been rejected.

Funds Availability
You understand that deposits made via mobile banking are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. All mobile deposits are reviewed on an individual basis and funds may be held based on the amount of the transaction, account relationship and deposit history. If held, You will be notified and the funds are generally available within 10 business days.

Items Returned Unpaid
A written notice will be sent to you regarding items returned unpaid. With respect to any item that You transmit for remote deposit that is credited to your Account, in the event such item is dishonored, You authorize SPFCU to debit the amount, plus fees, of such item from your Account.

Unavailability of the Service
You understand and agree that Mobile Deposit may at times be temporarily unavailable due to SPFCU system maintenance or technical difficulties including, but not limited to, those of the Internet service provider and Internet software.

In the event that Mobile Deposit is unavailable, You acknowledge that You can deposit an original check at any SPFCU branch, or by mailing the original check to SPFCU.

Business Day
You understand that SPFCU business days are Monday through Friday, excluding Federal holidays and SouthPoint Holidays, and business hours are 8:30 am to 4:30 pm, Central Standard Time “CST”, each business day.

Deposit Times
Deposits received before 3:00 pm CST on a business day will be processed on the same day. Checks deposited after 3:00 pm CST on a business day or on weekends or holidays will be deposited the next business day. Exceptions may apply during holidays and/or special and emergency closings.

Compliance with Law
You agree to use the products and the Service for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that You will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations.

Accountholder’s Warranties
You make the following warranties and representations with respect to each image of an original check You transmit using Mobile Deposit:

1. Each image of a check transmitted to SPFCU is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate.
3. You will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) that has already been deposited other than the digital image of an original check that You remotely deposit through Mobile Deposit, there are no duplicate images of the original check.
4. You have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.
5. You are authorized to enforce each item transmitted or are authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.
6. You have not knowingly failed to communicate any material information to SPFCU.
7. You have possession of each original check deposited using Mobile Deposit and no party will submit the original check for payment.
8. Files and images transmitted contain no viruses or any other disabling features that may have an adverse impact on SPFCU’s network, data, or related systems.

 

Storage of Original Checks
You must securely store each original check that You deposit using the Service for a period of no fewer than 90 days after transmission to SPFCU. Deposited checks with suspect image quality, especially those with large dollar amounts, may be retained for a longer period of time as determined by the Member. After such period expires, You will destroy the original check. You understand and agree that You are responsible for any loss caused by your failure to secure and/or destroy the original checks.

 

In Case of Errors
In the event that You believe there has been a breach of this Agreement or an error with respect to any original check or image transmitted to SPFCU, You will immediately contact SouthPoint Financial Credit Union regarding such breach or error as set forth below.

If You do not contact SPFCU immediately, You understand that the statement dispute policy and timeline applies.

PURCHASE REWARDS & MONEY MANAGEMENT SERVICES
In addition to the above content, if you decide to use either Money Management or the Purchase Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.

License Grant and Restrictions
You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the Money Management Service (the “Service”) solely to manage your financial data, and the purchase rewards application (“Purchase 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.

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.

Your Information and Account Data with Us.
You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the 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.

 

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

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

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

USE, STORAGE AND ACCESS.
We shall have the right, in our sole discretion and with reasonable notice posted on the 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.

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.

 

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.

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.

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. . 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.

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.

SouthPoint Financial Credit Union Alexa Skill – Service Terms and Conditions

SouthPoint Financial Credit Union (“SPFCU”) Alexa skill allows you to use your Amazon Alexa-enabled device (“Alexa device”) to obtain certain account information and (if permitted) conduct certain transactions on your SPFCU accounts. During the activation process, you input your SPFCU online login credentials into the Alexa system. The Alexa device uses your SPFCU online login credentials to communicate with SPFCU in order to obtain information and conduct transactions.

By activating the SPFCU skill on Amazon’s Alexa service, you agree to the terms and conditions set forth below. If you do not agree to these terms and conditions, you may not use the SPFCU Alexa skill.

1. Registration and security for Alexa. You must register an account with Amazon by following the prompts on the Amazon app or website. You may be required to accept Amazon’s terms and conditions. You are responsible for maintaining the strict confidentiality of your Amazon account details and for any activity under your Amazon account. You will be required to set a 4-digit PIN with Amazon to access your accounts through the Skill. To protect your Accounts, this PIN should not be the same as the PIN you use with your debit and credit cards, internet banking, telephone banking or any accounts with us. Although you are not required to change this PIN, we recommend you change passwords on your Amazon account every 60 days.
2. Authorization of Transactions and Inquiries. Once you have loaded your SPFCU online credentials into the Alexa system, the Alexa skill uses those credentials to access your account information and conduct transactions. The SPFCU Alexa skill is activated by voice commands and transmits information to you using the Alexa device’s automated voice. This means that anyone who can hear you interacting with the Alexa device can hear account information provided through the Alexa device. In addition, anyone that can hear you interacting with the Alexa device may learn the voice commands needed to activate the SPFCU Alexa skill. You agree that anyone who is able to activate the SPFCU Alexa skill using voice commands is authorized to obtain information and conduct transactions on your account, and SPFCU may complete those transactions and provide such information without further verification. If you do not agree, then you are prohibited from using the SPFCU Alexa skill.
3. Privacy and Security. You are responsible for the security settings on your Alexa device. In accordance with the SPFCU Privacy Policy, SPFCU will provide your information to Amazon or its agents in order to permit you to use the SPFCU Alexa skill. By installing the skill, you are authorizing SPFCU to perform the actions and/or share with Amazon the information communicated to SPFCU, or requested from SPFCU. SPFCU is not responsible for Amazon’s use of your information or the security of your information in Amazon’s possession. Amazon may keep a record of your use of the SPFCU Alexa skill or actions you take using the SPFCU Alexa skill. You should check with Amazon regarding its privacy and information security policies.

4. Accuracy of Transactions and Information Using SPFCU Alexa Skill. The Alexa service is designed and operated by parties other than SPFCU, using equipment manufactured by parties other than SPFCU. The Alexa service may make errors in converting your voice commands to electronic messages or in converting information about your accounts and transactions to audible transmissions. SPFCU is not responsible for the accuracy of any information transmitted to you by the Alexa service or for the accuracy of instructions transmitted to SPFCU through the Alexa service using the SPFCU Alexa skill. You may verify the accuracy of information and transactions through SPFCU’s online banking service, mobile banking service, or by calling SPFCU or visiting an SPFCU branch or ATM.

5. Changes to the SPFCU Alexa Skill Service or Terms and Conditions. We may make changes to these terms and conditions at any time by notifying you. Notice will be provided at our sole discretion by posting the revised terms on our website at www.southpointfinancial.com. If you continue to use the SPFCU Alexa skill after we notify you of such changes, you agree to those changes. We may make changes to the Alexa skill itself at any time without prior notice. We may suspend or terminate availability of the Alexa skill at any time.

6. Disclaimer of Warranties. SPFCU makes the SPFCU Alexa skill available on an as-is basis. You use the SPFCU Alexa skill at your own risk. SPFCU makes no warranty or representations of any kind respecting the SPFCU Alexa skill including warranties of merchantability or fitness for a particular purpose. No advice or information, whether oral or written, obtained by you from SPFCU or through or from the Alexa device, will create any warranty of any kind.

7. Termination: Your rights under this Agreement will automatically terminate without notice if you fail to comply with any of its terms. In case of such termination, we may immediately revoke your access to the Skill.

8. Other Agreements. Your use of the SPFCU Alexa skill is subject to the terms of the SPFCU Membership and Account Agreement, as supplemented by these terms and conditions. These terms do not replace any other agreement we have with you including online banking.

9. Trademark Information: SPFCU’s trademarks and graphics used in connection with the SPFCU Alexa skill are the property of SouthPoint Financial Credit Union. All other trademarks and graphics used are the property of their respective owners.