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Zippy Cash Prepaid Visa Cardholder Agreement

IMPORTANT – PLEASE READ CAREFULLY

 

Terms of Use

Effective Date: 03/30/2021

These Terms and Conditions of Use (“Terms of Use”) apply to the website owned, operated, licensed, and controlled by Zippy Cash LLC, including its related, affiliated or subsidiary companies located at www.zippy.cash, and all associated Zippy Cash sites linked to this website and mobile applications (collectively, the “Site”). This Site is the property of Zippy Cash LLC. As used herein, “Customer(s)” means anyone who accesses and/or uses the Site.

PLEASE READ THE FOLLOWING TERMS CAREFULLY. BY DOWNLOADING OR USING ANY OF THE INFORMATION, MATERIALS, OR FUNCTIONS AVAILABLE ON THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THESE TERMS OF USE, INCLUDING OUR PRIVACY POLICY. IF YOU ARE NOT ELIGIBLE TO USE OUR SERVICES (PLEASE SEE OUR ELIGIBILITY CRITERIA BELOW), OR DO NOT AGREE TO THESE TERMS, THEN PLEASE DO NOT USE OUR SERVICES OR THE SITE.

 

Card Holder T&C

1. Terms and Conditions for the Zippy Cash® Prepaid Visa® Card:

This document is an agreement (“Agreement”) containing the terms and conditions that apply to the Zippy Cash Prepaid Visa Card that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank © 2014. By accepting and/or using this Card, you agree to be bound by the terms and conditions contained in this Agreement. The “Program Manager” for the Zippy Cash Prepaid Visa Card is PayQuicker LLC and the Customer Service telephone number is 1-866-400-2712 or the toll-free telephone number on the back of your Card. In this Agreement, “Card” means the Zippy Cash Prepaid Visa Card issued to you by the Bank, including any Secondary Card(s) you may request. “Card Account” means the records we maintain to account for the value of transactions associated with the card. “You” and “your” means the person or persons who have received the Card and who are authorized to use the Card as provided for in this Agreement. “We,” “us,” “our,” and “Bank” mean Metropolitan Commercial Bank, together with its successors and assigns. “Program Manager” means PayQuicker LLC, together with its successors and assigns. The Card will remain the property of the Bank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains a Card. What this means for you: When you apply for a Card, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We also may ask to see your driver’s license or other documentation bearing your photo as verification of your identity. By participating in the Card program, you agree that the information and statements you provide to us are accurate, including, but not limited to, your real name, valid U.S. mailing address and residential address (if different), social security number or other identification documentation, date of birth, and telephone number. If you fail to provide accurate information that we request, we may cancel your Card. In addition, funds tied to suspected illicit or illegal activity may be subject to both internal and potentially federal investigation. We reserve the right to restrict or delay your access to any such funds.

2. Your Card:

The Card is a prepaid card. The Card allows you to access funds loaded or deposited to your Card Account by you or on your behalf. The funds in your Card Account will be FDIC-insured once we have verified your identity. You may access the funds in your Card Account by using your Card, Card Number, by automated clearinghouse (“ACH”) debit using your Account Number. The Card is not a credit card. The Card is not a gift card, nor is it intended for gifting purposes. You will not receive any interest on your funds on the Card. The funds in your Card Account will not expire, regardless of the expiration date on the front of your Card.

Unclaimed Property. If your Card becomes inactive, we may be legally obligated to report the balance of your Account as unclaimed property and forward the unclaimed funds to the state designated in accordance with Applicable Law. The specific period of time to report and send funds in an inactive Account varies by state but usually ranges between three (3) and five (5) years.

3. FEES:

THE FEES RELATING TO THE USE (AND MISUSE) OF YOUR CARD ARE SET FORTH IN THE “SCHEDULE OF FEES AND CHARGES (SCHEDULE A)” ATTACHED TO THIS AGREEMENT AND INCORPORATED HEREIN BY REFERENCE. FEES INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING BALANCE IN YOUR CARD ACCOUNT, UNLESS PROHIBITED BY LAW. You agree to pay all fees associated with the Card. We may from time to time amend the Fee Schedule, at our sole discretion as set forth in the Section of this Agreement titled “Amendment and Cancellation.”

4. Authorized Users:

You may not request an additional Card (“Secondary Card”) to allow another person to access the funds in your Card Account. If you permit another person to have access to your Card or Card Number, you are liable for all transactions made with the Card, Card Number or Account Number, and all related fees incurred, by those persons. To cancel a Card, telephone the toll-free number on the back of your Card or 1-866-400-2712 and you must follow-up not later than 10 business days with the written notification to revoke (cancel) permission for any person you previously authorized to use your Card. Until we have received your notice of such a revocation (cancellation) and have had a reasonable time to act upon the written notification of cancellation, you are responsible for all transactions and fees incurred by you or any other person you have authorized. If you tell us to revoke (cancel) your Card, we may revoke (cancel) your Card and issue a new Card with a different Card Number and/or Account Number. You are wholly responsible for the use of your Card according to the terms of this Agreement, subject to the section labeled “Lost or Stolen Cards/Unauthorized Transfers” below, and other applicable laws.

5. Card Account Use and Purpose:

Subject to the limitations set forth in this Agreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below titled “Adding Funds to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is honored as long as you do not exceed the value available in your Card Account or the Daily Purchase Limit (as defined in the table below), and (4) withdraw cash from your Card Account (as described in the Section below titled “Using Your Card to Get Cash”. There may be fees associated with some of these transactions. For fee information, see the “Schedule of Fees and Charges” attached to this Agreement. You agree not to use your Card for illegal gambling or any other illegal purpose.

You will be provided with our routing number and assigned a 12-digit Account Number once your identity has been verified. Our routing number and your assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized automated clearinghouse (“ACH”) debit transactions only. The 16-digit Card Number embossed or printed on your Card should not be used for these types of transactions or they will be rejected. You are not authorized to use our routing number and Account Number if you do not have sufficient funds in your Card Account or to make a debit transaction with a paper check, check-by-phone or other item processed as a check Transactions authorized by this Agreement. These debits will be declined and your payment will not be processed. You also may be assessed an ACH Decline Fee (see the “Schedule of Fees and Charges” attached to this Agreement).

6. Limitations on Frequency and Dollar Amounts of Transactions:

The total amount of purchases that you can perform in any single day is limited to the Daily Purchase Limit and the total amount of cash withdrawals (including withdrawals from a teller inside a bank office) that you can perform in any single day is limited to the Daily Withdrawal Limit (as defined in the table below). The maximum aggregate value of your Card Account(s) may not exceed $15,000 at any time. The maximum value will be determined by aggregating the activity and value of all Card Accounts you may have with the Program. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. The following grid is provided in order to highlight the frequency and limitations of cardholder transactions in a single day or additional time frame if warranted:

 

7. Personal Identification Number (“PIN”):

We will give you a PIN that you may use with your Card once your identity has been verified. Only one PIN will be issued for each Card Account. You will need a PIN to obtain cash at an ATM or to make a PIN purchase or obtain cash back at a point-of-sale (“POS”) terminal. You should not write or keep your PIN with your Card. If you believe that anyone has gained unauthorized access to your PIN, you should immediately call the number on the back of your Card, 1-866-400-2712, or send notice through support@payquicker.com or write to the Program Manager at PayQuicker LLC 400 Linden Oaks Suite 320, Rochester, New York 14625, USA.

8. Adding Funds to Your Card Account:

You may add funds to your Card (called “value loading” or “loading”) at any time. The maximum load amount is $5,000 per day. Note: Some reload locations may have additional limits on the minimum amount you may load to your Card. The maximum aggregate value of funds in your Card Account(s) may not exceed $15,000 at any time. You agree to present the Card and meet identification requirements to complete value load transactions as may be required from time to time. Load locations may have their own load limits that may be less than our allowable amount. Load locations also may assess a fee to load funds to your Card Account. You also may direct deposit funds to your Card Account by providing our routing number and your assigned Account Number to your employer or other direct deposit payor (as described in the Section above titled “Card Account Use and Purpose”). You cannot load your Card Account by check or money order.

9. Using Your Card to Get Cash:

With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine (“ATM”) that bears the Visa® or PLUS® brands, or (ii) obtain cash at merchants or banks that have agreed to provide cash back at POS terminals bearing the Visa or PLUS® brands. All ATM transactions are treated as cash withdrawal transactions. The maximum amount of cash you may withdraw at an ATM on a daily basis is $900, with a $300 per transaction limit as described in the Section above titled “Limitations on Frequency and Dollar Amounts of Transactions.” We may limit the amount of any individual ATM withdrawal, and merchants, banks and ATM operators may impose additional withdrawal limits. You will be charged a fee by us for each cash withdrawal and balance inquiry made at an ATM or cash withdrawal obtained through a bank teller, in the amount disclosed in the accompanying “Schedule of Fees and Charges (Schedule A).” In addition, when you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

10. Split Transactions:

If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the merchant that you would like to complete a split transaction before swiping your Card, your Card is likely to be declined.

11. Transactions Using Your Card Number:

If you initiate a transaction without presenting your Card (such as for a mail order, internet or telephone purchase, or an ACH debit purchase), the legal effect will be the same as if you used the Card itself.

12. Your Obligation for Negative Balance Transactions:

Each time you initiate a Card transaction, you authorize us to reduce the funds available in your Card Account by the amount of the transaction and all associated fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions (creating a “negative balance”). Nevertheless, if any transactions cause the balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. You may also be liable for any related Insufficient Funds/NSF Fee(s) as set forth in the accompanying “Schedule of Fees and Charges (Schedule A).” We reserve the right to bill you for any negative balance or to recoup such negative balance from any other Card we have issued to you. You agree to pay us promptly for the negative balance and any related fees. We also reserve the right to cancel your Card if you create one or more negative balances with your Card.

13. Business Days:

Our business days are Monday through Friday, excluding federal and legal banking holidays in the State of New York.

14. Authorization Holds:

You do not have the right to stop payment on any purchase transaction originated by use of your Card, other than a Recurring Transaction as described in the Section below titled “Recurring Transactions.” When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles and we will place a temporary hold on your Card’s funds for the amount indicated by the merchant. 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. Car rentals, hotels and other service oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to 60 days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles.

When you use your Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on your Card, your transactions may be declined. Accordingly, you should ensure that your Card has an available balance that is 20% (or more) greater than your total bill before using your Card.

15. Recurring Transactions:

If you intend to use your Card for recurring transactions, you should monitor your balance and ensure you have funds available in your Card Account to cover the transactions. “Recurring transactions” are transactions that are authorized in advance by you to be charged to your Card at substantially regular intervals. We are not responsible if a recurring transaction is declined because you have not maintained a sufficient balance in your Card Account to cover the recurring transaction. If these recurring transactions may vary in amount, the person you are going to pay should tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) If your Card was obtained through your employer or you receive electronic deposits of federal payments to your Card: If you have told us in advance to make regular payments (i.e., recurring transactions) from your Card Account, you can stop the payment by calling the number on the back of your Card, 1-866-400-2712, or by sending notice through support@payquicker.com or by mailing notice to PayQuicker LLC 400 Linden Oaks, Suite 320, Rochester, New York 14625
USA at least three business days before the scheduled date of the transfer. If you call, we also may require you to put your request in writing and get it to us within 14 days after you call. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your direct losses or damages. If you have authorized a merchant to make the recurring transaction, you also should contact the applicable merchant in order to stop the recurring transaction.

16. Preauthorized Credits:

If you have arranged to have direct deposits made to your Card Account at least once every 60 days from the same person or company and you do not receive a receipt/statement (or paystub), you can call the number on the back of your Card or 1-866-400-2712 to find out whether or not the deposit was made.

17. Returns and Refunds:

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card Account for such refunds. You are not entitled to a check refund unless your Card has been closed. The amounts credited to your Card for refunds may not be available for up to five days from the date the refund transaction occurs.

18. Card Cancellation and Suspension; Limits:

We reserve the right, in our sole discretion, to limit your use of the Card, including limiting or prohibiting specific types of transactions. We may refuse to issue a Card, revoke Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law. If you would like to cancel the use of your Card, you may do so by calling the number on the back of your Card or 1-866-400-2712. You agree not to use or allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. Our cancellation of Card privileges will not otherwise affect your rights and obligations under this Agreement. If we cancel or suspend your Card privileges through no fault of yours, you will be entitled to a refund as provided below in the Section titled “Amendment and Cancellation.” Not all services described in this Agreement are available to all persons or at all locations. We reserve the right to limit, at our sole discretion, the provision of any such services to any person or in any location. Any offer of a service in this Agreement shall be deemed void where prohibited. We can waive or delay enforcement of any of our rights under this Agreement without losing them.

19. International Transaction Fee:

If you initiate a transaction in a currency or country other than the currency or country in which your Card was issued, you will be charged a fee on the transaction (including credits and reversals) as set forth in the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement. This fee is in addition to the currency conversion rate. If the transaction is in a currency other than the currency of the country in which your Card was issued, the merchant, network, or card association that processes the transaction may convert the transaction (including credits and reversals) into the currency of your Card in accordance with its policies and rates in effect at the time of the transaction. If Visa U.S.A., Inc. (“Visa) converts the transaction, it will establish a currency conversion rate for this convenience using a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.

20. Receipts:

You should get or request a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipts to verify your transactions. You can get a receipt at the time you make any transfer from your Card Account using one of our ATM terminals.

21. Obtaining Balance and Transaction Information for Your Card; Periodic Statements Alternative.

You should keep track of the amount of funds available in your Card Account. You may obtain information about the amount of funds you have remaining in your Card Account by calling the number on the back of your Card. This information, along with a 12-month history of account transactions, is also available on-line through our customer self-service website shown on the back of the Card. You also have the right to obtain a 24-month written history of account transactions by calling the number on the back of your Card or 1-866-400-2712, or by visiting support@payquicker.com, or by writing to PayQuicker LLC, 400 Linden Oaks, Suite 320, Rochester, New York 14625, USA

22. Confidentiality:

We may disclose information to third parties about your Card or the transactions you make using your Card: (1) where it is necessary for completing transactions; (2) in order to verify the existence and condition of your Card for a third party, such as a merchant; (3) in order to comply with government agency, court order, or other legal reporting requirements; (4) if you give us your written permission; (5) to our and Program Manager’s employees, auditors, affiliates, service providers, or attorneys as needed; and (6) as otherwise provided in our Privacy Policy Notice below.

23. Our Liability for Failure to Complete Transactions:

In no event will we or the Program Manager be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. We will not be liable, for instance: (1) if, through no fault of ours or of the Program Manager, you do not have enough funds available in your Card Account to complete the transaction; (2) if a merchant refuses to accept your Card or provide cash back; (3) if an ATM where you are making a cash withdrawal does not have enough cash; (4) 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; (5) if access to your Card has been blocked after you reported your Card or Access Code(s) (“Access Code” includes your user ID(s), password(s), PIN(s), and any other access code or credential related to your Card Account) lost or stolen; (6) if there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (7) if we or the Program Manager have reason to believe the requested transaction is unauthorized; (8) if circumstances beyond our or the Program Manager’s control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we or the Program Manager have taken; or (9) for any other exception stated in our Agreement with you.

24. In Case of Errors or Questions about your Card Account:

If you think an error has occurred in your Card Account, promptly call the number on the back of your Card, 1-866-400-2712, provide notice through support@payquicker.com or write to PayQuicker LLC, 400 Linden Oaks, Suite 320, Rochester, New York 14625, USA. We will allow you to report an error until 60 days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling the number on the back of your Card, tel:1866-400-2712, or by visiting support@payquicker.com, or writing to the Program Manager at PayQuicker LLC, 400 Linden Oaks, Suite 320, Rochester, New York 14625, USA. You will need to tell us: (1) your name and Card Number; (2) why you believe there is an error, and the dollar amount involved, and (3) approximately when the error took place. If you tell us orally, we will require that you send your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (five business days for Visa Point of Sale Signature unauthorized debit transactions, unless the dispute resolution team determines an exceptional basis exists, in which case Visa allows an additional five business days in which to provide the provisional credit) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Card within 10 business days (five business days for Visa Point-of Sale Signature unauthorized debit transactions, unless the dispute resolution team determines an exceptional basis exists, in which case Visa allows an additional five business days in which to provide the provisional credit) for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within 10 business days, (five business days for Visa Point-of Sale Signature unauthorized debit transactions) we may not credit your Card Account. For errors involving new Cards (that is, Cards for which the initial deposit or value load occurred within the last 30 days), POS transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three business days after completing the investigation. If we decide that there was no error, we will send you a written explanation and debit your Card Account for the amount of the provisional credit. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call the Program Manager at the number on the back of your Card.

25. Lost or Stolen Cards/Unauthorized Transfers:

If you believe your Card, Access Code(s), or PIN has been lost or stolen, call the number on the back of your Card, or 1-866-400-2712, or send notice through support@payquicker.com, or write to the Program Manager at PayQuicker LLC, 400 Linden Oaks, Suite 320, Rochester, New York 14625, USA. You should also call 1-866-400-2712, the number on the back of your Card, or write to the address shown here if you believe an electronic transfer has been made using the information from your Card, Access Code(s), or PIN without your permission.

26. Your Liability for Unauthorized Transfers:

You agree to exercise reasonable control over the information related to your Card Account, including your Card, Access Code(s) and PIN. Tell us AT ONCE if you believe your Card, Access Code(s), or PIN has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. The best way to keep your losses down is by calling the toll-free number on the back of your Card or 1-866-400-2712. You could lose all of the money in your Card Account. If you tell us within two business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. If you do not tell us within 60 days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Visa’s Zero Liability Policy:

In addition to the limitations on liability described above, you will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card, Access Code(s), or PIN. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card(s), Access Code(s), and PIN(s), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s), Access Code(s), or PIN with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card, Access Code(s), or PIN, you agree that you will be liable for all transactions arising from use of the Card, Access Code(s), or PIN by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions outside the Visa and PLUS networks, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify us promptly of any unauthorized use.

27. Other Terms:

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement is determined to be invalid or unenforceable under any rule, law or regulation of any governmental agency, whether local, state or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement shall be governed by the law of the State of New York except to the extent preempted or governed by federal law.

28. Amendment and Cancellation:

We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided by applicable law before the effective date of the change. However, if the change is made for security purposes, we may implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You also may cancel this Agreement by calling the number on the back of your Card or 1-866-400-2712. If you cancel your Card, you may zero out your Card Account balance before closing your Card Account or request that we send you a check in the amount of your Card Account balance when you close your Card Account, which we will do for a fee as set forth in the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement. If your Card is canceled by us when your Card Account has a balance, we will send you a check in the amount of your Card Account balance for no charge. In all events, any check we send will be sent to the address we have for you in our records. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement before termination.

29. Telephone Monitoring/Recording:

From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

30. No Warranty Regarding Goods and Services:

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

31. Arbitration Provision:

This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) shall be arbitrated instead of litigated in court upon the election of either party.

(a) Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us, or between you and Attain Finance, LLC as Program Manager for Zippy Cash Prepaid Visa® Card or any of its agents or retailers, arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreement. “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds on the Cards; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court; any appeals from that court shall be pursued only in arbitration. As used in this Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Bank, the Program Manager, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms “you” or “yours” shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.

(b) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services (“JAMS”) or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.

(c) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE “CODE”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT ARBITRATION EXCEPT AS SET FORTH BELOW. THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

(d) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. This section of this Arbitration Provision is the “Class Action Waiver.”

(e) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

(f) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within 15 days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within 20 days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have 30 days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within 120 days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding.

(g) Public Injunctive Relief: If a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated.

(h) No Preclusive Effect: No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.

(i) Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

33. Delivery of Electronic Communications:

The following E-Communication Disclosure (“Disclosure“) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your Card Account and any related products and services (“Communications“), to the extent you have consented to receiving such Communications electronically and failure to consent will result in a declined application for an Zippy Cash Prepaid Visa Card, except as provided below.

Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic Communications includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with your Card Account and any related products or services
  • Your Cardholder Agreement and any notices about a change in terms of your Cardholder Agreement
  • Privacy policies and notices
  • Error resolution policies and notices
  • Responses to claims filed in connection with your Card Account
  • Notices regarding insufficient funds or negative balances

Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided either (1) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (2) by posting such Communications at support@payquicker.com.
How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by calling the number on the back of your Card, 1-866-400-2712 or visiting support@payquicker.com, or by writing to the Program Manager at PayQuicker LLC, 400 Linden Oaks, Suite 320, Rochester, New York 14625, USA. If you do withdraw your consent, we will close your Card Account, except where prohibited by law. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your request for withdrawal. In the meantime, you will continue to receive Communications in electronic form. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.
How to Update Your Records. It is your responsibility to provide us with your true, accurate and complete e-mail address (if you have elected to receive e-mail messages from us), your contact information, and other information related to this Disclosure and your Card Account, and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through support@payquicker.com or by calling the number on the back of your Card or 1-866-400-2712.
Hardware and Software Requirements. In order to access, view, and retain Communications that we make available to you electronically, you must have:

  • An Internet browser that supports 128 bit encryption
  • Microsoft Internet Explorer 7 or above, or the equivalent software
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit
  • An e-mail account with an Internet service provider and e-mail software
  • A personal computer (1 GHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in via a plain text-formatted e-mail or by access to our web site using browser specified above or equivalent software.
  • Adobe Reader version 9.0 or higher

Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, call the number on the back of your Card, 1-866-400-2712, or visit support@payquicker.com or write to the Program Manager at PayQuicker LLC,400 Linden Oaks, Suite 320, Rochester, New York 14625, USA.

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.

Metropolitan Commercial Bank Privacy Policy Notice:

FACTS

WHAT DOES Metropolitan Commercial Bank DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us.

This information can include:

  • Identification Information
  • Account Transactions
  • Account Balances
  • Checking Account Information
  • Transaction History
  • Wire Transfer Instructions

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Metropolitan Commercial Bank chooses to share; and whether you can limit this sharing.

Questions? Call 1-866-363-8226 or visit www.metropolitanbankny.com

What We Do

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

We collect your personal information, for example, when you:

  • Open an account
  • Provide account information
  • Apply for financing
  • Give us your contact information
  • Show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates or other companies

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes – information about your credit worthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Companies related by common ownership or control. They can be financial and non-financial companies. Metropolitan Commercial Bank does not share with our Affiliates so they can market to you.

Companies not related by common ownership or control. They can be financial and non-financial companies. Metropolitan Commercial Bank does not share with non-affiliates so they can market to you.

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card account companies.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For Texas Customers. If you have a complaint, first contact the customer service division of Attain Finance, LLC at 1-866-363-8226. If you still have an unresolved complaint regarding the company’s money transmission activity, please direct your complaint to Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.

For Vermont Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Schedule A

SCHEDULE OF ALL FEES AND CHARGES FOR Zippy Cash Prepaid Visa® Card

State: All

ALL FEES AMOUNT   DETAILS  
Get Started
Plan Options Pay As You Go
(Non-Direct Deposit)
Monthly
(Non-Direct Deposit)
Direct Deposit Description
$5.00 $5.00 $5.00 Fee for initial card request. Replacement cards are available for the fees described below.
NO COST NO COST NO COST There is no fee for activating your card.
Monthly Usage
ALL FEES AMOUNT   DETAILS  
Get Started
Plan Options Pay As You Go
(Non-Direct Deposit)
Monthly
(Non-Direct Deposit)
Direct Deposit Description
$0.00 $8.95 $5.95 Monthly charges taken from card balance. To remain in the Direct Deposit Program, you must receive a Payroll or Benefits direct deposit within 35 days and receive ongoing deposits at least every 35 days. Failure to receive a direct deposit within 35 days will result in movement to the Pay As You Go Program. Monthly fee will be waived if direct deposits of at least $1,000 are received within 35 calendar days and you maintain a positive balance.
Add Money
NO COST NO COST NO COST “In-network” refers to Speedy Cash & Rapid Cash store locations. There is no fee to load your card at in-network locations. The amount of each load to your card must be at least $10. See website link for list of locations: www.speedycash.com/find-a-store
NO COST NO COST NO COST Retailers offering this service may assess a fee for each load you make. This is a third-party fee and is subject to change.
NO COST NO COST NO COST Retailers offering this service may assess a fee for each load you make. This is a third-party fee and is subject to change.
NO COST NO COST NO COST No fee for loading funds to your card with direct deposit.
$2.00 $2.00 $0.00 Fee for transferring funds from Zippy Cash card-to-card.
NO COST NO COST NO COST Third party fee may apply when reloading your Zippy Cash Prepaid Visa Card at a Visa ReadyLink location. Fee is paid to third party at the time of reload. See website link for list of locations: usa.visa.com/pay-with-visa/cards/readylink-locator.html
ALL FEES AMOUNT   DETAILS  
Get Started
Plan Options Pay As You Go(Non-Direct Deposit) Monthly
(Non-Direct Deposit)
Direct Deposit Description
NO COST NO COST NO COST 3rd party fees and data rates may apply. Fee of up to 4% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes -1% (pre-printed payroll or gov’t checks) or 4% (all other checks), minimum fee of $5.00. Money in 10 Days – no fee. Fee is deducted from check value.
Spend Money
NO COST NO COST NO COST There is no fee for unloading funds at in-network locations. See website link for list of locations: www.speedycash.com/find-a-store
$2.00/bill $2.00/bill $0.00 Per payment made to a merchant using ACH debit.
$1.00 $0.00 $0.00 Per domestic transaction using PIN.
$1.00 $0.00 $0.00 Per domestic transaction using signature or online.
NO COST NO COST NO COST Per domestic decline attempt using PIN.
NO COST NO COST NO COST Per domestic decline attempt using signature or online.
Get Cash
ALL FEES AMOUNT   DETAILS  
Get Started
Plan Options Pay As You Go
(Non-Direct Deposit)
Monthly
(Non-Direct Deposit)
Direct Deposit Description
NO COST NO COST NO COST See website link for list of in-network locations at Speedy Cash & Rapid Cash: www.speedycash.com/find-a-store
$2.00 $2.00 $0.00 Assessed each time the card is used to obtain cash from an ATM location in the U.S. The ATM owner may charge an additional fee.
$0.50 $0.50 $0.50 Assessed each time the card is used to obtain cash from an ATM location in the U.S. The ATM owner may charge an additional fee.
3% or $3 minimum 3% or $3 minimum 3% or $3 minimum Per over-the-counter domestic cash withdrawal.
Information
NO COST NO COST NO COST No fee for calling our automated customer service line, including balance inquiries.
NO COST NO COST NO COST No fee for calling Customer Service Live Agent for inquiries, including balance inquiries.
ALL FEES AMOUNT   DETAILS  
Get Started
Plan Options Pay As You Go
(Non-Direct Deposit)
Monthly
(Non-Direct Deposit)
Direct Deposit Description
$0.50 $0.50 $0.00 Checking your balance at an ATM. The ATM owner may charge an additional fee.
NO COST NO COST NO COST No fee to sign up for text or email alerts. Standard text messaging rates from your wireless service provider may apply.
NO COST NO COST NO COST Available via the Apple App Store or the Android Play Store.
NO COST NO COST NO COST Order paper statements by logging into your account at www.optpluscard.com, writing us at Attain Finance, LLC – Zippy Cash P.O. Box 319, Maize, KS 67101, or by calling 1-866-331-3063.
Using your card outside the U.S.
$2.00 +3% $2.00 +3% $2.00 +3% Assessed each time the card is used to obtain cash from an ATM location internationally. The ATM owner may charge an additional fee.
$0.50 $0.50 $0.50 Assessed each time the card is used to obtain cash from an ATM location internationally. The ATM owner may charge an additional fee.
$0.50 $0.50 $0.00 Checking your balance at an ATM Internationally. The ATM owner may charge an additional fee.
$1.00 +3% 3% 3% Per international transaction using PIN. Of purchase amount after conversion to U.S. dollars when you make card purchases in a currency other than U.S. dollars.
ALL FEES AMOUNT DETAILS    
Get Started
Plan Options Pay As You Go
(Non-Direct Deposit)
Monthly
(Non-Direct Deposit)
Direct Deposit Description
$1.00 +3% 3% 3% Per international transaction using signature or online. Of purchase amount after conversion to U.S. dollars when you make card purchases in a currency other than U.S. dollars.
NO COST NO COST NO COST Per international decline attempt using PIN.
NO COST NO COST NO COST Per international decline attempt using signature or online.
3% or $3 minimum 3% or $3 minimum 3% or $3 minimum Per over-the-counter international cash withdrawal.
Other
$5.00 $0.00 $0.00 Applies after the first 90 days inactivity and for each subsequent month of inactivity.
$15.00 $15.00 $15.00 Waived if no refund check required.
NO COST NO COST NO COST No fee for first replacement card. Additional replacements will incur an $8 fee.
ALL FEES AMOUNT   DETAILS  
Get Started
Plan Options Pay As You Go
(Non-Direct Deposit)
Monthly
(Non-Direct Deposit)
Direct Deposit Description
$8.00 $8.00 $8.00 Replace a lost, stolen or damaged card.
$20.00 $20.00 $20.00 Expedited shipping. Card will arrive in 3-5 business days.

Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Zippy Cash by calling 1-866-400-2712, by mail at  400 Linden Oaks, Suite 320
Rochester, New York 14625, USA, or visit support@payquicker.com.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint

 

Privacy Policy

In this Policy, the terms “PayQuicker,” “we”, “us” or “our” shall refer to PayQuicker LLC. The terms “you”, “your” shall refer to any individual or entity who accepts this Policy.

Effective date: March 8, 2019

This privacy policy (“Policy”) has been compiled to better serve those who are concerned with how their Personal Data is being used by us. This Policy is to inform you of our policies and procedures regarding the collection, use and disclosure of Personal Data we receive from users of our website (www.payquicker.com) and services, including but not limited to our platform, product, or accounts (individually and collectively, the “Services”). This Policy applies only to information that you provide to us through the Services. This Policy does not apply to information you provide to any third party service provider(s) related to or whose services are incorporated into or provided by the Services (“Third Parties”); information you provide to Third Parties shall be controlled by their respective privacy policies.  The Services may be provided to you pursuant to additional terms and conditions. For example, you may have an Account services agreement for an Account, and the Services are further subject to the Terms of Service. Capitalized terms not defined in this Policy shall have the meaning ascribed to them in such additional agreements.

Please note that additional privacy terms relating to cards used in the European Union are set out in Appendix EU at the end of this policy.

Please read our Policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personal Data in accordance with the Services.

Your Consent

We process your Personal Data pursuant to contractual necessity to carry out the Services for you, and further pursuant to your consent. Your use of the PayQuicker Services constitutes your acceptance and consent to be bound by this Policy. If you do not agree with any of the terms of the Privacy Policy, you do not have the right to access or otherwise use the Applications or Services.

What Personal Data do we collect from you?

Personal Data is personal information that can be associated with an identified or identifiable person. “Personal Data” can include name, postal address, telephone number, email address, other financial account information, account number, date of birth, and government-issued credentials (e.g., driver’s license number). Personal Data does not include information that does not identify a specific User.
We collect Personal Data when you visit our website or utilize our Services, including the following:

Registration and use information: we collect Personal Data when you apply for a PayQuicker account or if you otherwise use our platform, website, or phone application to send or receive funds. This registration and use information may include:

  • Consumer Identity Information –your name or aliases, physical address, phone number, email address, date of birth, gender, social security number or other tax identification number, photo identification, selfie, or video authorization, or any other information you choose to provide;
  • Business Identity Information –entity legal name or aliases / “doing business as” names, physical address, phone number, entity type, industry, organizational documents (e.g. articles of incorporation), employer identification number, or other information relating to your authorized signors or beneficial owners;
  • Bank Account Information –account and routing details and your username, passwords, and any security questions and answers associated with your linked Bank Account(s); and

Transaction Information: As you use your PayQuicker account, or otherwise send or receive funds through our or our Corporate Clients and Partners websites or applications, we collect Personal Data in connection with each transaction, including transaction time, transaction amount and currency, and details relating to the sender or receiver of funds. We may also collect receipts, contracts, photos, memos or other information relating to your transactions.

Corporate Client and Partner Information: When you communicate with us or our Corporate Client and Partners about these services, we may collect this information.

Customer Support: Information you provide to our customer support may be collected in order to provide Services or assistance requested by you.

Digital identity information: Your access to the Services is primarily limited to your internet connected devices. As a result, we may collect some Personal Data relating to your digital identity such as that includes an IP address, your device “fingerprint” (e.g. hardware model, operating system and version, unique device identifiers and mobile network information), browser type, pages visited on our website and pages visited before visiting our website.

Third party sources: When you create a PayQuicker Account or otherwise send or receive funds through PayQuicker or our Corporate Client’s and Partner’s websites or phone applications, we may collect information, including Personal Data, about you from non-affiliated third party service providers in order to verify your identity and to prevent fraud, and provide our Services to you, including information relating to your location, phone number, email address, prior addresses and names, or information made available through a bank account you link to our Services (e.g. account balances, transaction details, identity related information and your contact details associated with the account).

Publicly shared information: Additionally, we may collect information you share publicly on your social media accounts. If you do not wish to share this information publicly on your social media accounts, you should adjust your privacy settings with the site.
While not all of the Personal Data described above is necessary to use our Services, if you opt out of sharing some of this information, this may affect your ability to use your PayQuicker account or other services offered by us or our Corporate Clients and Partners.

If you choose not to give personal information
If you choose not to give us your personal information, it may mean that we cannot perform services needed to run your account. It could mean that we cancel your account or services you have with us.

How do we use Cookies and tracking technology?
If you visit our website, we use various technologies to collect information on our services and other websites, and this may include sending cookies to your computer or mobile device. Cookies are small data files stored on your hard drive or in device memory that help us improve our services and your experience, see which areas and features of our services are popular and count visits. While most web browsers are set to accept cookies by default, if you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our website or other services. We may also collect information using web beacons (also known as “tracking pixels”). Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon.

We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

How do we use your information?

Data retention
We retain Personal Data to fulfill our legal or regulatory obligations and for our business purposes. We may retain Personal Data for longer periods than required by law if it is in our legitimate business interests and not prohibited by law. If your Account is closed, we may take steps to mask Personal Data and other information, but we reserve our ability to retain and access the data for so long as required to comply with applicable laws. We will continue to use and disclose such Personal Data in accordance with this Privacy Policy.

Processing of Personal Data
We may act in different roles, either as a data controller or data processor, when processing your Personal Data. In general, a data controller is the person or entity that alone or jointly determines the purposes and means for processing data, and a data processor performs actions with data to carry out a data controller’s instructions. In some instances we will be the data processor and in others, we may be the data processor. For example, when we use your Personal Data to perform Services initiated by you or a Corporate Client, we are a data processor. But, for example, if we use Personal Data to market Services to you, we are the data controller.

Process or Processing of data means any method or way that we handle Personal Data or sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, and consultation, disclosure by transmission, disseminating or otherwise making available, alignment or combination, restriction, erasure or destruction of Personal Data.

We process Personal Data for the following reasons:

  • Provide, maintain and improve the PayQuicker Account services, and other Services we offer you with our Corporate Clients and Partners;
  • Provide and deliver the products and services you request, process transactions and send you related information, including confirmations;
  • Verify your identity and prevent fraud;
  • Communicate between our Corporate Clients and Partners (as applicable) in order to provide Services to you;
  • Send you technical notices, updates, security alerts and support and administrative messages;
  • Respond to your comments, questions and requests and provide customer service;
  • Monitor and analyze trends, usage and activities in connection with our Services;
  • Personalize and improve the Services based on your usage;
  • Link or combine with information we get from others to help understand your needs and provide you with better service; and
  • To make automated decisions for user authentication determination, fraud mitigation and security assessment and determination, and location determination to provide location based services.

How do we share your Personal Data?

We may disclose any information we collect about current and former customers, including Personal Data, to affiliates and non-affiliated third parties as follows:

  • With financial institutions and financial services providers, including the Partner that provides banking services in connection with your PayQuicker account;
    With the Corporate Client identified in your PayQuicker account agreement that provides payment and other services to you in connection with your PayQuicker account;
  • With non-financial companies, such as identity verification service providers and fraud prevention service providers that use the information to provide services to PayQuicker and other companies;
  • With a non-affiliated third-party to access and transmit your personal and financial information from your linked bank account(s). You grant the third-party the right, power, and authority to access and transmit this information according to terms of their privacy policy as separately provided to you; and
  • With other non-affiliated companies for our everyday business purposes, such as to process transactions, maintain accounts, respond to court orders and legal investigations or report to credit bureaus. For example, in connection with our everyday business purposes, we may share information about you as follows:
    • In response to a request for information, if  we  are required by, or we believe  disclosure  is  in  accordance with, any applicable law, regulation or legal process;
    • With relevant law enforcement officials or other third parties, such as investigators or auditors, if we believe it is appropriate to investigate fraud;
    • If we believe your actions are inconsistent with the spirit or language of our user agreements or policies,  or  to protect the rights, property and safety of  PayQuicker  or others;
    • In connection with, or during negotiations of, any merger, sale of PayQuicker’s assets, financing or acquisition of all or a portion of our business to another company; and
    • At your direction.

Aggregated Data: We may also share aggregated or de-identified Information, which cannot reasonably be used to identify you and which does not include Personal Data. For example, we may share certain transaction details such as amounts and zip codes in a pseudo-anonymous fashion to promote security and validity of PayQuicker’s services.

Financial crime prevention: We will use your personal information to help decide if your accounts may be being used for fraud or money-laundering. We may detect that an account is being used in ways that fraudsters work or we may notice that an account is being used in a way that is unusual. If we think there is a risk of fraud, we may stop activity on the accounts or refuse access to them. We might also check and share your information with fraud prevention agencies. If fraud is identified or suspected, these agencies may keep a record of that information and we may refuse to provide any services. Law enforcement agencies may access and use this information.

How do we protect your information?

We take commercially reasonable measures to help protect your Personal Data from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. Additionally, we implement policies designed to protect the confidentiality and security of your Personal Data. Except as detailed herein and as it relates to our Corporate Clients and Partners, we limit access to your Personal Data to employees that have a business reason to know such information, and implement security practices and procedures designed to protect the confidentiality and security of such information and prohibit unlawful disclosure of such information in accordance with our policies.

In addition, our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We use regular Malware Scanning. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following:

  • Once this Policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our
  • Our Policy link includes the word ‘Privacy’ and can be easily be found on the page specified

Children’s Privacy

The Services are not directed to or provided to individuals under eighteen (18) years of age.
This website is not directed to children under 13. We do not knowingly collect Personal Data from children under 13. If a parent or guardian becomes aware that his or her child has provided us with Personal Data without their consent, he or she should contact us using the information below (“How to Contact Us”). If we become aware that a child under 13 has provided us with Personal Data, we will delete such information from our files.

Changes to and Scope of our Policy

We may, in our sole and absolute discretion, change or modify this Policy, and any policies or agreements which are incorporated herein, at any time, and such changes or modifications shall be effective immediately upon posting to the website. No revision or update will apply to a dispute which we had actual notice of on the date we posted the changes or modifications. We will notify you of such changes or modifications by posting them to the website or direct communication with you, and your use of the Services after such changes or modifications have been posted (as indicated by a “Last Revised” date) shall constitute your acceptance of the Policy as last revised.  If you do not agree to with the Policy as last revised, do not use (or continue to use) the Services.

Choice relating to your Personal Data:

Personal Data: You may have the ability review, update, correct or delete all or some of the Personal Data in your PayQuicker account by contacting us or by editing your profile via the website. If you completely delete all such information, then your PayQuicker account may become deactivated. We may retain an archived copy of your records as required by law or for legitimate business purposes. If you are an EU or Swiss individual, please see our Privacy Shield Policy for information on exercising your right to access your personal data.

Location and other device-level information: The device you use to access the Services may collect information about you, including geolocation information and usage data that PayQuicker may then collect and use. For information about your ability to restrict the collection and use of such information, please use the settings available in the device.

Marketing Communication Notices: We may send you marketing content about our Applications and Services, through various communication channels, for example, email, text, pop-ups, push notifications, and messaging applications. You may opt out of these marketing communications by following the instructions in the communications you receive. If you have an Account with us, you may also be able to adjust your communication preferences in your Account settings. For messages sent via push notifications, you may manage your preferences in your device.

Does our site allow third-party behavioral tracking?

It’s also important to note that we allow third-party behavioral tracking for purposes of security and fraud prevention in connection with providing the Services.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Transfers of Your Personal Data to Other Countries; International Data Transfers

Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology, including, but not limited to, third-party service providers. We and our third-party service providers store and Process your Personal Data in the United States and elsewhere in the world, and in accordance with applicable privacy law.

In connection with the transfer of your Personal Data outside the European Union, we will make such transfer in accord with applicable privacy law, and when applicable, in accord with the contractual, technical, and organizational measures via contractual agreement with such third party.

If you are located in the European Economic Area (“EEA”) or Switzerland, we comply with applicable laws to provide an adequate level of data protection for the transfer of your Personal Data to the US. PayQuicker is certified under the EU-U.S. and the Swiss-U.S. Privacy Shield Framework and adheres to the Privacy Shield Principles. For more, see PayQuicker’s Privacy Shield Policy.

By using our Applications and Services, you consent to your Personal Data being transferred to other countries, including countries that have different data protection rules than your country. We do not represent that our Applications and Services are appropriate or available in any particular jurisdiction.

Your Rights

The General Data Protection Regulation or “GDPR” give certain rights to individuals in relation to their personal data. If the GDPR applies to you or your Personal Data, you have certain rights with respect to that data. These rights include:
Right of Access – the right to be informed of and request access to the personal data we process about you;

  • Right to Rectification – the right to request that we amend or update your personal data where it is inaccurate or incomplete;
  • Right to Erasure – the right to request that we delete your personal data;
  • Right to Restrict – the right to request that we temporarily or permanently stop processing all or some of your personal data;
  • Right to Object -the right, at any time, to object to us processing your personal data on grounds relating to your particular situation; the right to object to your personal data being processed for direct marketing purposes;
  • Right to Data Portability – the right to request a copy of your personal data in electronic format and the right to transmit that personal data for use in another party’s service; and
  • Right not to be subject to Automated Decision-making – the right to not be subject to a decision based solely on automated decision making, including profiling, where the decision would have a legal effect on you or produce a similarly significant effect.

If you think these rights apply to you, contact us using the information in the CONTACT US section.  Further, if the GDPR is applicable to you or your Personal Data and you are unhappy with how we are using your Personal data you can also contact and file a complaint with your local Data Protection Authority.

You may also have the right to make a GDPR complaint to the relevant Supervisory Authority. A list of Supervisory Authorities is available here:  http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm. If you need further assistance regarding your rights, please contact us using the contact information provided below and we will consider your request in accordance with applicable law. In some cases our ability to uphold these rights for you may depend upon our obligations to process personal information for security, safety, fraud prevention reasons, compliance with regulatory or legal requirements, or because processing is necessary to deliver the services you have requested. Where this is the case, we will inform you of specific details in response to your request.

Limitations

PayQuicker strives to protect your information and data; however, some privacy issues may be unintentionally missed, so PayQuicker cannot guarantee error-free performance. PayQuicker is not responsible for any damages, including incidental, consequential, or punitive damages, relating to the practices described in this Privacy Policy.

English Language Controls

Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language

 

End-User License Agreement

The Program Manager for the Zippy Cash® Prepaid Visa Debit Card is PayQuicker, LLC

Zippy Cash® is a registered trademark of Zippy Cash, LLC

The Zippy Cash Prepaid Visa Debit Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank ©2014. BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. All trademarks and service marks are the property of their respective owners.

In compliance with the USA PATRIOT Act* and other laws, anyone who is a US resident over 18 with a valid Social Security number and a verifiable physical US address (no PO boxes or APO addresses) can apply for an Zippy Cash Card. This information must be provided, along with other information pertinent to receiving approval, when applying for a Zippy Cash Card. Currently, we do not issue the Zippy Cash Card to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa, or other US territories.

*Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allows us to identify you. We may also request a copy of your driver’s license or other documentation bearing your photo as verification of your identity.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play is a trademark of Google Inc. Data rates may apply.

Samsung Pay is a trademark of Samsung Inc.