Responsibility for Transactions

You do not have the right to stop payment on any purchase transaction originated by use of your Card Account or Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to 10 days.

Business Days

Returns and Refunds

Card Replacement

Expiration

Fees

Receipts

Obtaining Card Account Information

Confidentiality

  1. Where it is necessary for completing transactions;
  2. In order to verify the existence and condition of your Card Account for a third party, such as merchant;
  3. In order to comply with government agency or court orders, or other legal reporting requirements;
  4. If you give us your written permission;
  5. To our employees, auditors, affiliates, service providers, or attorneys as needed;
  6. In order to prevent, investigate or report possible illegal activity;
  7. In order to issue authorizations for transactions on the Card;
  8. As permitted by applicable law; or
  9. Otherwise as necessary to fulfill our obligation under this Agreement.

Our Liability for Failure to Complete Transactions

  1. If, through no fault of ours, you do not have enough funds available in your Virtual Account to complete the transaction;
  2. If a merchant refuses to accept your Card Account;
  3. If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;
  4. If access to your Card Account has been blocked after you reported your Card Account lost or stolen;
  5. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
  6. If we have reason to believe the requested transaction is unauthorized;
  7. If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
  8. Any other exception stated in our Agreement with you.

Lost or Stolen Virtual Accounts; Unauthorized Transactions Replacement Virtual Accounts

Your Liability for Unauthorized Transactions

Other Terms

Amendment and Cancellation

Customer Service

Telephone Monitoring/Recording