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ESIGN DISCLOSURE AND CONSENT

Last updated June 1, 2018

You agree to receive electronic communications from us:


Please read this ESIGN Disclosure and Consent ("Disclosure”) carefully and print or otherwise keep a copy for your records.


This Disclosure is required by the federal Electronic Signatures in Global and National Commerce Act ("ESIGN”). You can record your consent to the Disclosure by placing a checkmark in the box below.


This Disclosure applies to all Communications for the Popmoney® Personal Payments Service. "Communication” means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the Service, including but not limited to information that we are required by law to provide to you in writing. Instead of sending you paper statements, disclosures and notices, we will send you electronic Communications that are subject to the federal Electronic Signatures in Global and National Commerce Act.  We also intend that the Act apply to our ability to conduct business with you by all electronic means, with regards to the delivery of all terms and conditions, notices and disclosures or any other documents that may be required during the business relationship between you and us.  This includes, but isn't limited to, Electronic Funds Transfer Disclosures, Electronic Service Agreements and Privacy Policies. "We," "us," and "our" refer to CheckFreePay Corporation, CheckFreePay Corporation of New York, and the Popmoney® Personal Payments Service (the "Service”), as applicable.


Electronic Delivery of Disclosures and Notices:


By clicking in the box below, you are consenting to receive any Communications and all changes to such Communications electronically.  In order to use the Service, you must provide at your own expense an Internet connected device that is compatible with the minimum requirements outlined below.  You also confirm that your device will meet these specifications and requirements and will permit you to access and retain the Communications electronically each time you access and use the applicable services


Please select Print, and select your printer to retain a copy.  If you do not have a printer, you can copy the text of this Disclosure and the underlying agreements and paste the text into a new document in a word processor or a text editor on your computer and save the text.


Paper Delivery of Disclosures and Notices:


You have the right to receive a paper copy of the Communications, and any changes.  To receive a paper copy at no charge, please request it in one of the following ways: send an e-mail message with your name and mailing address to support@popmoney.com, or call us at 877-675-6378 and speak to the Customer Service Representative.  We may charge you a reasonable service charge, to mail you a paper copy of any Communication.  We will either include such service charge on our fee schedule or if we do not, before we send you the paper copy, we will first inform you of the service charge and provide you with the choice as to whether you still want us to send you a paper copy.  Please be sure to state that you are requesting a copy of the Communications referenced above. Future notices will continue to be delivered electronically unless specified clearly otherwise.


The minimum system requirements for accessing your information:


To receive and view an electronic copy of the Communications you must have the following equipment and software:

  •     A personal computer or other device which is capable of accessing the Internet.  Your access to this page verifies that your system/device meets these requirements.

  •     An Internet web browser, which is capable of supporting 128-bit SSL encrypted communications, JavaScript, and cookies.  Your system or device must have 128-bit SSL encryption software. Your access to this page verifies that your browser and encryption software/device meet these requirements.


Withdrawal of Electronic Acceptance of Disclosures and Notices:


You can also contact us in any of the ways described in the paragraph entitled "Paper Delivery of Disclosures and Notices” to withdraw your consent to receive any future Communications electronically, including if the system requirements described above change and you no longer possess the required system.  If you withdraw your consent, we will terminate your use of Service and cancel all payments scheduled for the future after the date of termination.


Termination / Changes:


We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications.  We will provide you with notice of any such termination or change as required by law.


Consent:


By checking the box below, you consent to the electronic delivery of the Communications.  You also agree that CheckFreePay does not need to provide you with an additional paper (non-electronic) copy of the Communications, unless specifically requested.



YOU SHOULD RETAIN A COPY OF THIS DISCLOSURE STATEMENT AND ALL OTHER DISCLOSURES TO KEEP FOR YOUR RECORDS.


TERMS OF USE (for Popmoney® Personal Payments Service)


Last updated December 5, 2021


1. Introduction.    This Terms of Use document (hereinafter "Agreement") is a contract between you and CheckFreePay Corporation, a subsidiary of Fiserv Solutions, LLC, (hereinafter "we" or "us") in connection with the Popmoney® Personal Payments Service (the "Service") offered through including Popmoney.com or the Popmoney mobile application (collectively the "Site") by or through CheckFreePay Corporation and/or its Affiliate CheckFreePay Corporation of New York (collectively, "CheckFreePay").  This Agreement applies to your use of the Service and any portion of the Site through which the Service is offered.


2. Description of Service.    AS OF DECEMBER 5, 2021, THE SITE WILL ONLY ENABLE YOU TO RECEIVE POPMONEY PAYMENTS IN U.S. DOLLARS INTO YOUR ELIGIBLE TRANSACTION ACCOUNT(S) THAT ARE SENT FROM ENROLLED PERSONS AT FINANCIAL INSTITUTIONS THAT PARTICIPATE IN THE POPMONEY SERVICE. THE SERVICE WILL NOT ENABLE YOU TO INITIATE PAYMENTS TO OTHERS. Receipt of payments are subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time.


3. Providers.    We may offer you the Service through one or more of our Affiliates that we engage to render some or all of the Service to you on our behalf.  You agree that we have the right under this Agreement to delegate to our Affiliates some or all of the rights and performance obligations that we have under this Agreement, and that these Affiliates will be entitled to all the rights and protections that this Agreement provides to us.  Affiliate and certain other capitalized terms are defined in a "Definitions" section at the bottom of this Agreement.


4. Amendments: Consent.    We may amend this Agreement and any applicable fees and charges for the Service at any time by posting a revised version on the Site.  You may be required to affirmatively accept the revised Agreement in order to continue using the Service.  The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision.  Any use of the Service after a notice of change or after the posting of a revised version of this Agreement on the Site will constitute your agreement to such changes and revised versions.  Further, we may, from time to time, revise, update, upgrade or enhance the Service and/or related applications or material, which may render all such prior versions obsolete.  Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Service, and/or related applications and material, and limit access to only the Service's more recent revisions, updates, upgrades or enhancements.  You agree that if you are currently or become a registered user of another of our services, your Service setup or customer profile information, including but not limited to your name, email address and bank account information, may be shared by and with our Affiliates, and we may provide you with the Services as a substitute to or replacement of any service previously provided through another website or platform.


5. Our Relationship With You.    We are an independent contractor for all purposes, except that we act as your agent with respect to the custody of your funds for the Service.  We do not have control of, or liability for, any products or services that are paid for with our Service.  We also do not guarantee the identity of any user of the Service.


6. Assignment.    You may not transfer or assign any rights or obligations you have under this Agreement without our prior written consent, which we may withhold in our sole discretion.  We reserve the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time to any party.  We may also assign or delegate certain of our rights and responsibilities under this Agreement to Affiliates, independent contractors or other third parties.


7. Notices to Us Regarding the Service.    Except as otherwise stated below, notice to us concerning the Site or the Service must be sent by postal mail to: CheckFreePay, Popmoney Personal Payments Service Customer Support, Post Office Box 2168, Columbus, Ohio 43216-2168.  We may also be reached at 1-877-675-6378 for questions and other purposes concerning the Service, but such telephone calls will not constitute legal notices under this Agreement.


8. Notices to You.    You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, OR BY SENDING IT AS A TEXT MESSAGE TO ANY MOBILE PHONE NUMBER THAT YOU HAVE PROVIDED US, INCLUDING BUT NOT LIMITED TO THE MOBILE PHONE NUMBER THAT YOU HAVE LISTED IN YOUR SERVICE SETUP OR CUSTOMER PROFILE.  For example, users of the Service may receive certain notices (such as alerts for validation and notices of receipt of payment) as text messages on their mobile phones.  All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) business days after it is mailed.  You may request a paper copy of any legally required disclosures and YOU MAY TERMINATE YOUR CONSENT TO RECEIVE REQUIRED DISCLOSURES THROUGH ELECTRONIC COMMUNICATIONS BY CONTACTING US AS DESCRIBED IN SECTION 7 ABOVE.  We reserve the right to charge you a reasonable fee not to exceed twenty (20) dollars to respond to each such request.  We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications.


9. Text Messages, Calls and/or Emails to You.    BY PROVIDING US WITH A TELEPHONE NUMBER (INCLUDING A WIRELESS/CELLULAR MOBILE TELEPHONE NUMBER) AND/OR EMAIL ADDRESS, YOU CONSENT TO RECEIVING CALLS AND/OR TEXT MESSAGES FROM US, OUR AFFILIATES, SERVICE PROVIDERS, AND AGENTS AT THAT NUMBER, INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), AND/OR EMAILS FROM US FOR OUR EVERYDAY BUSINESS PURPOSES (INCLUDING IDENTITY VERIFICATION).  You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our Affiliates, service providers, and agents.  Please review our Privacy Policy for more information.  Our Privacy Policy can be viewed by clicking here.


10. Receipts and Transaction History.    You may view your Popmoney transaction history by logging into the Service and looking at your transaction history.  You agree to review your transactions by this method instead of receiving receipts or periodic statements by mail.


11. Your Privacy.    Protecting your privacy is very important to us.  Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.  Our privacy policy can be viewed by clicking here


12. Privacy of Others.    If you receive information about another person through the Service, you agree to keep the information confidential and only use it in connection with the Service.


13. Eligibility.    The Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law.  Without limiting the foregoing, the Service is not offered to minors.  By using the Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.


14. Prohibited Payments.    The following types of payments are prohibited through the Service, and we have the right but not the obligation to monitor for, block, cancel and/or reverse such payments:

(a) Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States); and

(b) Payments that violate any law, statute, ordinance or regulation; and

(c) Payments that violate the Acceptable Use terms in section 15 below; and

(d) Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise or sell to, or solicit others; or (13) goods or services that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; and

(e) Payments related to gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or dog racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes; and

(f) Payments relating to transactions that (1) support pyramid or ponzi schemes, matrix programs, other "get rich quick" schemes or multi-level marketing programs, (2) are associated with purchases of real property, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (3) are for the sale of items before the seller has control or possession of the item, (4) constitute money-laundering or terrorist financing; (5) are associated with the following "money service business" activities: the sale of traveler's checks or money orders, currency dealers or exchanges or check cashing, or (6) provide credit repair or debt settlement services; and

(g) Tax payments and court ordered payments.

Except as required by applicable law, in no event shall we or our Affiliates, service providers, or agents be liable for any claims or damages resulting from your receipt of prohibited payments.  We encourage you to provide notice to us by the methods described in section 7 above of any violations of this section or the Agreement generally.


15. Acceptable Use.    You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service, regardless of the purpose of the use, and for all communications you send through the Service.  We have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way.  In addition, you are prohibited from using the Service for communications or activities that: (a) violate any law, statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (h) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting the Site or Service, or interfere or attempt to interfere, with the Site or the Service; or (j) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors.  We encourage you to provide notice to us by the methods described in section 7 above of any violations of this section or the Agreement generally.


16. Payment Remittance.    You authorize us to credit your Eligible Transaction Account for the receipt of payments. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. It is the responsibility of the Sender and you to ensure the accuracy of any information entered into the Service (including but not limited to the Payment Instructions and name, address, telephone number and/or email address for), and for informing us as soon as possible upon becoming aware that this information is inaccurate. Neither the Sender nor you may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or you.


17. Reserved.

18. Receiving Payments.    If another person wants to initiate a Payment Instruction using the Service to an Eligible Transaction Account you hold, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Popmoney service.

You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account.  You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you.

You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the Sender, because there were not sufficient funds in the Sender's account, or for any other reason, then you hereby authorize us to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.


19. Payment Methods and Amounts.    There are limits on the amount of money you can receive through our Service.  Your limits may be adjusted from time-to-time at our sole discretion.  You may log in to the Site to view your individual transaction limits.  We also reserve the right to select the method in which to remit funds on your behalf, and the method to return funds to you in the event that your Eligible Transaction Account is closed or otherwise unavailable to us.  These payment methods may include, but may not be limited to, an electronic or paper check payment.


20. Payment Cancellation and Refused Payments.    A Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into your Eligible Transaction Account has begun. Payments not claimed by you will be automatically cancelled ten (10) days after the processing of the payment begins.


21. Reserved.


22. Mobile Phone Users.    Your phone service provider is not the provider of the Service.  Users of the Service will receive text messages related to your Payment Instructions and other notices from time to time if a mobile phone number is provided.  Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges.  In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device.  You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised.  If you have questions about mobile service, you may send a text message with the word "HELP" to this number: 767666.  To stop receiving text messages on your mobile phone, text "STOP" to this number: 767666.


23. Taxes.    It is your responsibility to determine what, if any, taxes apply to the transactions you receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority.  We are not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.


24. Service Fees and Additional Charges.    You understand and agree that you are responsible for paying all fees associated with your use of the Service.  Applicable fees will be disclosed in the user interface for, or elsewhere within, the Service or Site.  YOU FURTHER ACKNOWLEDGE AND AGREE THAT ANY APPLICABLE FEES WILL BE CHARGED REGARDLESS OF WHETHER THE PAYMENT INSTRUCTION IS COMPLETED, UNLESS THE FAILURE TO COMPLETE THE PAYMENT INSTRUCTION IS SOLELY DUE TO OUR FAULT, except for those fees that are specifically use-based.  There may be a charge for additional transactions and other optional services.  You agree to pay such charges and authorize us to deduct the calculated amount from your designated Eligible Transaction Account for these amounts and any additional charges that may be incurred by you.  Any financial fees associated with your standard deposit accounts (or other Eligible Transaction Accounts) will continue to apply.  You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.


25. Reserved.


26. Address or Banking Changes.    It is your sole responsibility and you agree to ensure that the contact information in your user profile is current and accurate.  This includes, but is not limited to, name, physical address, phone numbers and email addresses.  Changes can be made within the user interface of the Service or by contacting us as set forth in section 7 above.  We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account or contact information.


27. Reserved.


28. Reserved.


29. Information Authorization.    Your enrollment in the Service may not be fulfilled if we cannot verify your identity or other necessary information.  In addition, you agree that we may obtain personal information about you as described in our Privacy Policy.  Our privacy policy can be viewed by clicking here.


30. Service Termination, Cancellation, or Suspension.    If you wish to cancel the Service, you may contact us as set forth in section 7 above.  Any payment(s) that have begun processing before the requested cancellation date will be processed by us.  You agree that we may terminate or suspend your use of the Service at any time and for any reason or no reason.  Neither termination nor suspension shall affect your liability or obligations under this Agreement.


31. Errors, Questions, and Complaints.    (a) In case of errors or questions about your transactions, you should as soon as possible contact us as set forth in section 7 above.

(b) If you think your transaction history is incorrect or you need more information about a transaction listed in the transaction history, we must hear from you no later than sixty (60) days after the transaction in which the problem or error appears is first posted in the transaction history.  You must:

1. Tell us your name;

2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,

3. Tell us the dollar amount of the suspected error.

(c) If you tell us orally, we may require that you send your complaint in writing within ten (10) Business Days after your oral notification.  Except as described below, we will determine whether an error occurred within ten (10) Business Days after you notify us of the error.  We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, and will correct any error promptly.  However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation.  If we decide to do this, we will provisionally credit your Eligible Transaction Account within ten (10) Business Days for the amount you think is in error.  If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Eligible Transaction Account.  If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation.  You may ask for copies of documents used in our investigation.  We may revoke any provisional credit provided to you if we find an error did not occur.


32. Intellectual Property.    Popmoney, CheckFreePay and MyCheckFree are registered trademarks and/or service marks of Fiserv, Inc. or its Affiliates.  Other marks and logos used with the Service may be trademarks and/or service marks of us or our licensors or Affiliates.  In addition, all page headers, custom graphics, button icons, and scripts may be our service marks, trademarks, and/or trade dress of us or those of our Affiliates or licensors.  You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold in our sole discretion, and you may not use them in a manner that is disparaging to us or the Service or display them in any manner that implies our sponsorship or endorsement.  All right, title and interest in and to the Service, the portion of the Site through which the Service is offered, the technology related to the Site and Service, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property or that of our Affiliates or licensors.  Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Site or Service shall be considered an uncompensated contribution of intellectual property to us and our Affiliates or licensors, shall also be deemed our and our Affiliates and licensors' exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part.  By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us and our Affiliates and licensors a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called "moral rights" in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.


33. Links and Frames.    Links to other sites may be provided on the portion of the Site through which the Service is offered for your convenience.  By providing these links, we are not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any other site, and make no representations concerning the content of sites listed in any of the Service web pages.  Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to the Site.  For example, if you "click" on a banner advertisement or a search result, your "click" may take you off the Site.  This may include links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement.  These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive.  In addition, advertisers on the Site may send cookies to users that we do not control.  You may link to the home page of our Site.  However, you may not link to other pages of our Site without our express written permission.  You also may not “frame” material on our Site without our express written permission.  We reserve the right to disable links from any third party sites to the Site.


34. Cookies, Browser Information and Related Issues.    Information about these topics is provided in our Privacy Policy.  Our privacy policy can be viewed by clicking here.


35. Password and Security.    If you are issued or create any password or other credentials either at Popmoney.com or MyCheckFree.com to access the Service or the portion of the Site through which the Service is offered, you agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials.  If you believe that your credentials have been lost or stolen or that someone may attempt to use them to access the Site or Service without your consent, you must inform us at once at the telephone number provided in section 7 above.  If you use a password or other credentials that were issued or created at MyCheckFree.com to access the Popmoney payment service at Popmoney.com and in the event that you need to make any changes to any information contained in your Service setup or customer profile, including but not limited to your password or other credentials, any changes you make at one website will not affect the other website.  Therefore, you may need to make changes at the other websites.


36. Remedies.    If we have reason to believe that you have engaged in any of the prohibited or unauthorized activities described in this Agreement or have otherwise breached your obligations under this Agreement, we may: terminate, suspend or limit your access to or use of the Site or the Service; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem appropriate; refuse to provide our services to you in the future; and/or take legal action against you.  In addition, we, in our sole discretion, reserve the right to terminate this Agreement, access to the Site and/or use of the Service for any reason or no reason and at any time.  The remedies contained in this Section 36 are cumulative and are in addition to the other rights and remedies available to us under this Agreement, by law or otherwise.


37. Disputes.    In the event of a dispute regarding the Service, you and we agree to resolve the dispute by looking to this Agreement.


38. Arbitration.    For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration.  If a party elects arbitration, that party will initiate such arbitration through Judicial Arbitration and Mediation Services ("JAMS"), the American Arbitration Association ("AAA"), or an established alternative dispute resolution (ADR) administrator mutually agreed upon by the parties.  The parties agree that that the following rules shall apply: (a) the arbitration may be conducted telephonically, online and/or be solely based on written submissions, at the election of the party initiating the arbitration; (b) the arbitration shall not involve any personal appearance by the parties, their representatives or witnesses unless otherwise mutually agreed by the parties; (c) discovery shall not be permitted; (d) the matter shall be submitted for decision within ninety (90) days of initiation of arbitration, unless otherwise agreed by the parties, and the arbitrator must render a decision within thirty (30) days of submission; and (e) any award in such arbitration shall be final and binding upon the parties and may be submitted to any court of competent jurisdiction for confirmation.  The parties acknowledge that remedies available under federal, state and local laws remain available through arbitration.  NO CLASS ACTION, OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION.


39. Law and Forum for Disputes.    This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions.  To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law.  Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.  You agree that any claim or dispute you may have against us (other than those which are arbitrated under section 38, above) must be resolved by a court located in Gwinnett County, Georgia.  You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all claims or disputes unless said claim is submitted to arbitration under Section 38 of this Agreement.  The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement.  Both parties agree to waive any right to have a jury participate in the resolution of any dispute or claim between the parties or any of their respective Affiliates arising under this Agreement.


40. Indemnification.    You agree to defend, indemnify and hold harmless us and our Affiliates and licensors and contractors and their Affiliates and the employees and contractors of each of these, from any loss, damage, claim or demand (including attorneys fees) made or incurred by any third party due to or arising out of your breach of this Agreement and/or your use of the Site or the Service.


41. Release.    You release us and our Affiliates and licensors and contractors and the employees and contractors of each of these, from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with any dispute that may arise between you and one or more other users of the Site or the Service.  In addition, you waive California Civil Code §1542, which states that a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must have materially affected his settlement with the debtor.


42. No Waiver.    We shall not be deemed to have waived any rights or remedies hereunder unless such waiver is in writing and signed by one of our authorized representatives.  No delay or omission on our part 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.


43. Exclusions of Warranties.    THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.  IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL.  SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU.  THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.


44. Limitation of Liability.    THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF US AND OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED.  YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS.  IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE.  IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM.  IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING AS DESCRIBED IN SECTIONS 37 AND 38 ABOVE WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED.  THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY.  OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS).  SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.


45. Complete Agreement, Severability, Captions, and Survival.    You agree that this Agreement is the complete and exclusive statement of the agreement between us, sets forth the entire understanding between us and you with respect to the Services and the portion of the Site through which the Services are offered, and supersedes any proposal or prior agreement, oral or written, and any other communications between us.  If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.  The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.  Sections 3, 6-9, 12, 23, 25, 32 and 35-44, as well as any other terms which by their nature should survive, will survive the termination of this Agreement.  If there is a conflict between the terms of this Agreement and something stated by an employee or contractor of ours (including but not limited to its customer care personnel), the terms of this Agreement will prevail.


46. Definitions.   

(a) "ACH Network" means the funds transfer system, governed by the NACHA Rules that provides funds transfer services to participating financial institutions.

(b) "Affiliates" are companies related by common ownership or control.  Our Affiliates include members of the Fiserv, Inc. corporate family including, CashEdge, Inc. and Fiserv Solutions, LLC

(c) "Business Day" is every Monday through Friday, excluding Federal Reserve holidays or other days that banks are legally closed

(d) "Eligible Transaction Account" is a transaction account from which your Popmoney Service fees will be automatically debited, or to which payments and credits to you will be credited.   An Eligible Transaction Account may include a checking, money market or other direct deposit account,credit card account, or debit card account, including any required routing information.

(e) "Payment Instruction" is the information provided by the Sender for a payment to be made to you (such as, but not limited to, name, mobile telephone number, email address, and bank account and routing number information).

(f) "Payment Network" means a debit or credit network (such as the ACH Network, Visa®, Accel or STAR® payment networks) through which funds may be transferred.

(g) "Sender" is a person or entity that sends a Payment Instruction through the Service.