Virtual Visa Cards Terms & Conditions
Important: Please Read This Agreement Carefully And Keep It For Your Records. If You Give This Prepaid-USA Visa Incentive Virtual Account To Another Person, You Should Also Give That Person This Agreement
This Prepaid-USA Visa Incentive Virtual Account Virtual account holder Agreement (“Agreement”) sets forth the terms and conditions of your Prepaid-USA. Your Virtual account is issued by Sunrise Banks N.A. Member FDIC, St. Paul, MN 55103, pursuant to a license from VISA.
Definitions. In this Agreement, the words “you” and “your” mean the person who received the Virtual account and/or the person who has been authorized to use the Virtual account. “We”, “us”, “our” and “the Bank” mean Sunrise Banks, of Saint Paul, Minnesota, the issuer of the Virtual account. “Sponsor” means the company named in the materials provided with the Virtual account. “Business days” is Monday through Friday, excluding federal holidays. Saturday, Sunday, and federal holidays are not considered business days, even if we are open. “Virtual account” means the Prepaid-USA prepaid Incentive virtual account that is issued to you by us. “PIN” means personal identification number.
Agreement to Terms. By using the Virtual account, you agree to the terms of this Agreement. You agree to sign the back of the Virtual account immediately upon receipt. You should always keep a record of your Virtual account number and the customer service phone number provided herein in case of loss or theft of your Virtual account. We will not be able to assist you if your Virtual account is lost or stolen unless you have your Virtual account number.
Virtual account Description. The Virtual account is a prepaid virtual account loaded with a specific amount of U.S. dollars. The Virtual account is provided to you as part of a customer incentive program sponsored by the Sponsor. The Virtual account is a prepaid virtual account loaded by the Sponsor with a specific amount of funds. The initial value of the Virtual account is stated in the materials provided to you with the Virtual account. . This Virtual account is not a credit virtual account or charge virtual account that allows you to make purchases and pay later, and using the Virtual account will not affect your credit history. The Virtual account is not connected in any way to any other account. You will not receive any interest on the funds on your Virtual account. The Virtual account will remain the property of the Bank and must be surrendered upon demand. The Virtual account is nontransferable and may be canceled or revoked at any time without prior notice except as required by law.
Unless your Virtual account has been registered with us, the funds on your Virtual account will NOT be insured by the FDIC or any other federal or state agency. You may register your Virtual account by visiting www.prepaid-usa.com and providing us your name, address and Virtual account number. Registering your Virtual account will also allow you to view your Virtual account balance and transaction history and provide the additional security that may be required to allow you to use your Virtual account for internet, mail and phone order purchases as well as requesting a replacement Virtual account if your Virtual account is lost or stolen.
Using Your Virtual account. Your Virtual account may be used at merchants within the United States that accept VISA debit virtual accounts for purchases of goods and services (including internet, mail and phone order purchases), subject to the limitations in this Agreement. If you make a purchase without presenting your Virtual account (such as for internet, mail or phone order purchases), the legal effect will be the same as if you used the Virtual account itself. If you do not have enough funds available on your Virtual account, you can instruct the merchant to charge a part of the purchase to the Virtual account and pay the remaining amount with other funds. These are called “split transactions,” and some merchants do not permit them.
You can activate your virtual account by calling 1-866-295-2946 24 hours a day 7 days a week. Your virtual account cannot be used until activated.
You may not use your Virtual account to obtain cash at ATMs or at merchants that have agreed to provide cash back at the point-of-sale (“POS”). You cannot reload the Virtual account or transfer Virtual account value to other payment devices. You agree that you will: (i) not use the Virtual account at gambling websites or for any illegal transactions; (ii) promptly notify us of any loss or theft of the Virtual account or unauthorized transactions; (iii) not use the Virtual account for business purposes; and (iv) use the Virtual account only as permitted by us. The Virtual account may not be accepted by certain merchants whose goods or services are not legal for minors. We may refuse to process any transaction that we believe violates the terms of this Agreement. The Virtual account itself may not be returned to any merchant for a refund or redeemed for cash, except where required by applicable law.
You are responsible for all transactions initiated and fees incurred by use of your Virtual account. If you permit another person to have access to your Virtual account or Virtual account number, we will treat this as if you have authorized such use and you will be liable for all transactions incurred by those persons. You may not request an additional Virtual account for another person.
For security reasons, we may limit the number or amount of transactions you can make with the Virtual account. You do not have the right to stop payment on any purchase or payment transactions that you originate through the use of the Virtual account. You may not make preauthorized regular payments from your Virtual account.
PIN: A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction. Some merchants may require you to make purchases using a PIN rather than your signature. A PIN was provided to you at the time you activated your Virtual account. Only one (1) PIN will be issued for your Virtual account. To prevent unauthorized access to your Virtual account balance, you agree to keep your PIN confidential. We recommend that you memorize your PIN and do not write it down.
Your PIN may not be used to obtain cash at an ATM or cash back at a POS terminal.
PIN change can be done at www.prepaid-usa.com, or by contacting our customer service department at 1-800-295-2946. If a virtual accountholder forgets their PIN number, they can request a new one by contacting the above toll-free support.
Merchant Authorization Holds. When you use your Virtual account to pay for goods or services, certain merchants (such as restaurants and hotels) may ask us to authorize the transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add to the purchase. If this occurs and your total bill, after adding in the additional 20% (or more), exceeds the amount available on the Virtual account, your transactions may be declined. If you use your Virtual account at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $150.00 or more. If the transaction is not approved, you will need to go inside to pay the cashier prior to pumping. When we preauthorize a transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Virtual account’s funds for the amount indicated by the merchant (which may be more than the final settled transaction amount). We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction. Transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, may cause an “authorization” or “hold” on your available balance for up to thirty (30) days. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Virtual account for the correct amount of the final transaction, however, and will release the hold on any excess amount when the transaction finally settles.
Available Balance. Each time you use your Virtual account, you authorize us to reduce the value available on your Virtual account by the amount of the transaction and any applicable fees, taxes or other charges assessed by the merchant. Transactions that exceed the remaining balance on your Virtual account are prohibited and should be declined at the point of sale. If, notwithstanding an insufficient balance, an authorization is received by the merchant or the merchant uses other means to proceed with the transaction, then you agree to reimburse us for any amount in excess of the Virtual account balance for such a transaction.
Refunds for Purchases Made with the Virtual account. Any refund for goods or services purchased with the Virtual account will be made in the form of a credit to the Virtual account and pursuant to the refund policy of the merchants where such goods or services were purchased. If you receive a credit, the credit may not be added to the available funds on the Virtual account for seven (7) business days. You are not entitled to receive a cash refund.
Disputes with Merchants. We are not responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you purchase from others with your Virtual account. All such disputes should be addressed to the merchants from whom the goods and services were purchased.
Reversal. Point of sale transactions cannot be reversed. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold of funds equal to the estimated purchase amount, for up to seven (7) days.
Virtual account Fees. The following fees apply to your Virtual account, except where prohibited or modified by applicable law.
Maintenance Fee. This is a fee that will be deducted from your Virtual account balance monthly after each 9-month period of inactivity or non-use of your Virtual account. An imposition of a fee or an adjustment due to an error or reversal for a prior transaction does not constitute activity. The fee would be identified as either “DR ADJ OTHER” or “SVC CHG-INACTIVITY”.
$3.95 per month
Paper Statement Fee. You may access your available balance by accessing your Virtual account Account online at www.prepaid-usa.com. Statements in electronic format will be made available at no charge during each month in which a transaction occurs. You will not automatically receive paper statements. You may choose to have a paper statement mailed to you by selecting this option. By selecting this option, a $2.50 per paper statement mailed charge will be applied to your virtual account. There is no charge for online access. The fee would be identified as “STATEMENT FEE” ”.
$2.50 (per monthly paper statement requested)
Virtual account Replacement Fee. This is a fee that will be deducted from your Virtual account balance if you request a replacement Virtual account prior to the expiration date of your Virtual account. The fee would be identified as “SVS CHG REPLACE VIRTUAL ACCOUNT”
Receipts. You should get a receipt from the merchant at the time you make a transaction using your Virtual account. Please note there are some merchants that choose not to provide a receipt if the amount of the transaction is $15 or less.
Virtual account Balance and Transaction History. You are responsible for keeping track of the available balance on your Virtual account. Merchants generally will not be able to determine your available balance. For pre-denominated Virtual accounts, the maximum value of your Virtual account is identified on the front of the Virtual account. You can also obtain information about the current available balance on your Virtual account and your recent transactions at no charge by calling 1-866-295-2946 or visiting www.prepaid-usa.com.
You are not allowed to make foreign currency transactions with your Virtual account
Change in Terms. We may, to the extent permitted by applicable law, amend the terms and conditions of this Agreement (or add additional terms) at any time by posting the amended terms on our website, www.prepaid-usa.com and any such amendment shall be effective upon such posting to the website. However, if the change is made for security purposes, we can implement such change immediately, without prior notice to you and before such change may be posted to the website. The most up-to-date Agreement may always be found at www.prepaid-usa.com.
Suspension and Termination. We reserve the right, in our sole discretion, to limit your use of the Virtual account. We may refuse to issue a Virtual account or may suspend or terminate Virtual account privileges with or without cause or notice, other than as required by applicable law. You may terminate this Agreement by returning the Virtual account to us. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Virtual account. Termination of your Virtual account privileges will not otherwise affect your rights and obligations arising under this Agreement prior to termination. If your Virtual account privileges are suspended or terminated through no fault of yours, you may request a refund of any remaining balance on your Virtual account by calling us at 1-866-295-2946 or writing to us at Prepaid-USA, 4190 Green River Rd, Corona, CA 92880 and providing us with your name, address and Virtual account number.
Expiration of the Virtual account and Funds. The Virtual account has a “VALID THRU” expiration date embossed on the front of the Virtual account. Once this expiration date has passed, the Virtual account will be voided and will not be replaced except in our sole discretion. All funds on the Virtual account expire on the expiration date shown on the Virtual account. If you do not spend all the funds on the Virtual account prior to this expiration date, the remaining funds will not be available to you and will be returned to the Sponsor. You have no right to the funds except to use them for authorized purchases prior to the expiration date of the Virtual account. The Sponsor may in its sole discretion add more funds to the Virtual account. If additional funds are added to the Virtual account, those funds will be subject to this Agreement and also must be used prior to the expiration date stated on the Virtual account. We may, in our sole discretion and if requested by the Sponsor, provide a new Virtual account to you. If we do issue a new Virtual account to you, any unexpired funds remaining on your old Virtual account will transfer automatically to your new Virtual account, but only if your old Virtual account has not already expired. That new Virtual account also will have an expiration date and all funds on that new Virtual account must be used prior to that expiration date.
Information Given to Third Parties. We may collect and disclose information (including personally identifiable information) to third parties about you, your Virtual account and the transactions related to your Virtual account (“Virtual accountholder Information”).
They types of information we may collect includes:
(i) Information about purchases made with the Virtual account, such as date of purchase, amount and place of purchase;
(ii) Information you provide to us when you apply for a Virtual account or for replacement Virtual accounts, when you register your virtual account, or when you contact us with customer service issues, such as name, address, and phone number.
The types of information we may disclose include:
(i) where it is necessary or helpful for completing a transaction; (ii) in order to verify the existence and condition of the Virtual account for a third party (e.g., a merchant); (iii) in order to comply with any law or to comply with requirements of any government agency or court order; (iv) if you give us your written consent; (v) to service providers who administer the Virtual account or perform data processing, records management, collections, and other similar services for us, in order that they may perform those services; (vi) in order to prevent, investigate or report possible illegal activity; (vii) in order to issue authorizations for transactions on the Virtual account; and (viii) as otherwise permitted by law. When you are no longer our customer, we continue to share your information as described in this notice.
Information Security: Only those persons who need it to perform their job responsibilities are authorized to have access to Virtual account holder Information. In addition, we maintain physical, electronic, and procedural security measures that comply with federal regulations to safeguard Virtual account holder Information.
No Warranty of Availability or Uninterrupted Use. From time to time, services related to the Virtual account may be inoperative. When this happens, you may be unable to use your Virtual account or obtain information about your Virtual account. Please notify us if you have any problems using your Virtual account. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts.
Lost or Stolen Virtual account. You agree to safeguard your Virtual account against loss or theft by taking all reasonable precautions. If your Virtual account has been lost or stolen, you agree to notify us IMMEDIATELY at 1-866-295-2946. When you notify us, you must provide your name, Virtual account number and other identifying details. We cannot assist you if you do not have the Virtual account number. We will cancel your Virtual account, and if our records show that available funds remain on your Virtual account, we will issue you a replacement Virtual account loaded with the remaining value. There may be a fee associated with ordering a replacement Virtual account (see Virtual account Fees above). We reserve the right to decline to issue you a replacement Virtual account in accordance with applicable law. It may take up to thirty (30) days to process a request for a replacement, however, we will endeavor to provide you with a replacement Virtual account on as timely a basis as is reasonable under the circumstances.
Additional Limits on Liability Under Virtual account Network Rules.
Under Visa operating rules, unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transaction using your lost or stolen virtual account. You must notify us within 2 business days of the transaction at issue in order to take advantage of any such limited liability provisions.
Unauthorized Transactions or Errors. You agree to safeguard your Virtual account against unauthorized use by taking all reasonable precautions. If you believe that someone has made an unauthorized transaction with your Virtual account (or may attempt to use your Virtual account without permission) or you believe an error has occurred with your Virtual account, you agree to notify us IMMEDIATELY at 1-866-295-2946 and in no event later than thirty (30) days of the date of the transaction at issue. When you notify us, you must provide your name, Virtual account number and other identifying details, and describe the error or transaction that you are unsure about. We cannot assist you if you do not have the Virtual account number. In the event of actual or suspected unauthorized use, we will cancel your Virtual account, and if our records show that available funds remain on your Virtual account, we will issue you a replacement Virtual account loaded with the remaining value. There may be a fee associated with ordering a replacement Virtual account (see Virtual account Fees above). We reserve the right to decline to issue you a replacement Virtual account in accordance with applicable law. You agree to assist us in determining the facts relating to any possible unauthorized use or error associated with your Virtual account, and to comply with the procedures we may require for our investigation. Following our investigation, if we determine that unauthorized use or an error has occurred with your Virtual account, we will credit your Virtual account in the amount of the unauthorized use or error. It may take up to thirty (30) days to process a request for a replacement, however, we will endeavor to provide you with a replacement Virtual account on as timely a basis as is reasonable under the circumstances.
Disclaimer of Warranties. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE VIRTUAL ACCOUNT OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
Limitation of Liability. We shall have no liability to you if we are unable to complete a transaction for reasons beyond our control. In no event shall we be liable to you for any indirect, consequential, exemplary or special damages (whether in contract, tort or otherwise), even if you have advised us of the possibility of such damages. You agree that your recovery for any alleged negligence or misconduct by us shall be limited to the initial value of the Virtual account. This provision shall not be effective to the extent prohibited by law.
Questions. Prepaid USA, as the third party that administers the Virtual account program, is responsible for customer service and for resolving any errors in transactions made with your Virtual account. If you have questions regarding your Virtual account, you may call 1-866-295-2946 or write Prepaid-USA, 4190 Green River Rd, Corona, CA 92880 or visit www.prepaid-usa.com.
Communications. We may contact you from time to time regarding your Virtual account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may:
(1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit;
(2) contact you by using an automated dialing or similar device (“Autodialer”);
(3) contact you at your home and at your place of employment;
(4) contact you on your mobile telephone;
(5) contact you at any time, including weekends and holidays;
(6) contact you with any frequency;
(7) leave prerecorded and other messages on your answering machine/service and with others; and
(8) identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it.
Our contacts with you about your Virtual account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us.
If you ask us to discuss your Virtual account with someone else, you must provide us with documents that we ask for and that are acceptable to us.
Governing Law, Court Proceedings, Damages, Arbitration: Except as set forth in the Waiver of Jury Trial and Arbitration Agreement below, (1) this Agreement will be governed by, construed and enforced in accordance with federal law and the laws of the State of Minnesota; (ii) any action or proceeding with respect to this Agreement or any services hereunder shall be brought only before a federal or state court in the State of Minnesota; and (iii) you agree to pay upon demand all of our costs and expenses incurred in connection with the enforcement of this Agreement. If we are served garnishments, summonses, subpoenas, orders or legal processes of any type, we are entitled to rely on the representations therein and may comply with them in our own discretion without regard to jurisdiction.
ARBITRATION AGREEMENT AND WAIVER OF JURY TRIAL: PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. UNLESS YOU EXERCISE YOUR RIGHT TO OPT-OUT OF ARBITRATION IN THE MANNER DESCRIBED BELOW, YOU AGREE THAT ANY DISPUTE WILL BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO HAVE A JURY TRIAL, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY BE PROVIDED FOR IN THE ARBITRATION RULES), AND TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS OR IN ANY CONSOLIDATED ARBITRATION PROCEEDING OR AS A PRIVATE ATTORNEY GENERAL. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN ARBITRATION.
Agreement to Arbitrate. You and we (defined below) agree that any Dispute (defined below) will be resolved by Arbitration. This agreement to arbitrate is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and the substantive law of the State of Minnesota (without applying its choice-of-law rules).
What Arbitration Is. “Arbitration” is a means of having an independent third party resolve a Dispute. A “Dispute” is any claim or controversy of any kind between you and us. The term Dispute is to be given its broadest possible meaning and includes, without limitation, all claims or demands (whether past, present, or future, including events that occurred prior to your application for a Virtual account and whether or not a Virtual account is provided to you, based on any legal or equitable theory (contract, tort, or otherwise) and regardless of the type of relief sought (i.e., money, injunctive relief, or declaratory relief). A Dispute includes, by way of example and without limitation, any claim based upon a federal or state constitution, statute, ordinance, regulation, or common law, and any issue concerning the validity, enforceability, or scope of this arbitration agreement.
For purposes of this arbitration agreement, the terms “you” and “your” include any authorized user and also your heirs, guardian, personal representative, or trustee in bankruptcy. The terms “we,” “our,” and “us” mean the Bank and include employees, officers, directors, members, managers, attorneys, affiliated companies, predecessors, and assigns the Bank as well as the marketing, servicing, and collection representatives and agents of either or both.
How Arbitration Works. If a Dispute arises, the party asserting the claim or demand must initiate arbitration, provided you or we may first try to resolve the matter informally or through customary business methods, including collection activity. The party filing an arbitration complaint must choose either of the following arbitration firms for initiating and pursuing arbitration: the American Arbitration Association (“AAA”) or JAMS, The Resolution Experts. If the parties mutually agree, a private party, such as a retired judge, may serve as the arbitrator. If you claim you have a Dispute with us, but do not initiate arbitration or select an arbitrator, we may do so. You may obtain copies of the current rules of each of the arbitration firms and forms and instructions for initiating arbitration by contacting them as follows:
American Arbitration Association
1633 Broadway, 10th Floor
New York, NY 10019
Web site: www.adr.org
Telephone (800) 778-7879
JAMS, The Resolution Experts
1920 Main Street, Suite 300
Irvine, CA 92614
Web site: www.jamsadr.com
Telephone (949) 224-1810 or (800) 352-5267
In the event both AAA and JAMS are unavailable to decide a Dispute, the parties agree to select another neutral party experienced in financial matters to decide the Dispute. If such an independent arbitrator cannot be found, the parties agree to submit any Dispute to a state or federal judge, sitting without a jury, for resolution on an individual and not a class-wide basis.
The policies and procedures of the selected arbitration firm will apply provided such policies and procedures are consistent with this arbitration agreement. To the extent the arbitration firm’s rules or procedures are different than the terms of this arbitration agreement, the terms of this arbitration agreement will apply.
What Arbitration Costs. No matter which party initiates the arbitration, we will advance or reimburse filing fees and other costs or fees of arbitration, provided each party will be initially responsible for its own attorneys’ fees and related costs. Unless prohibited by law, the arbitrator may award fees, costs, and reasonable attorneys’ fees to the party who substantially prevails in the arbitration.
Location of Arbitration. Unless you and we agree to a different location, the arbitration will be conducted in the county where you reside.
Waiver of Rights. You are waiving your right to a jury trial, to have a court decide your Dispute, to participate in a class action lawsuit, and to certain discovery and other procedures that are available in a lawsuit. You and we agree that the arbitrator has no authority to conduct class-wide arbitration proceedings and is only authorized to resolve the individual Disputes between you and us. The validity, effect, and enforceability of this waiver of class action lawsuit and class-wide arbitration, if challenged, are to be determined solely by a court of competent jurisdiction and not by the AAA, JAMS, or an arbitrator. If such court refuses to enforce the waiver of class-wide arbitration, the Dispute will proceed in court and be decided by a judge, sitting without a jury, according to applicable court rules and procedures, and not as a class action lawsuit. The arbitrator has the ability to award all remedies available by statute, at law, or in equity to the prevailing party.
Applicable Law and Review of Arbitrator’s Award. The arbitrator shall apply applicable federal and Minnesota substantive law and the terms of this Agreement. The arbitrator must apply the terms of this arbitration agreement, including without limitation the waiver of class-wide arbitration. The arbitrator shall make written findings and the arbitrator’s award may be filed with any court having jurisdiction. The arbitration award shall be supported by substantial evidence and must be consistent with this Agreement and with applicable law, and if it is not, it may be set aside by a court. The parties shall have, in addition to the grounds referred to in the Federal Arbitration Act for vacating, modifying, or correcting an award, the right to judicial review of (a) whether the findings of fact rendered by the arbitrator are supported by substantial evidence and (b) whether the conclusions of law are erroneous under the substantive law of Minnesota and applicable federal law. Judgment confirming an award in such a proceeding may be entered only if a court determines that the award is supported by substantial evidence and is not based on legal error under the substantive law of Minnesota and applicable federal law.
Survival. This arbitration provision shall survive: (1) cancellation, payment, charge-off, or assignment of this Agreement; (2) the bankruptcy of any party; and (3) any transfer, sale, or assignment of this Agreement, or any amounts owed under this Agreement, to any other person or entity.
Right to Opt-Out. If you do not wish to agree to arbitrate all Disputes in accordance with the terms and conditions of this section, you must advise us in writing at the following address by either hand delivery or a letter postmarked within thirty (30) days following the date you enter into this Agreement. You may opt-out without affecting your application or virtual accountholder status.
200 University Avenue West Suite 200
Saint Paul, MN 55103
Assignability. We may assign or transfer our rights and obligations under this Agreement at any time without prior notice to you. Notwithstanding the foregoing, this Agreement shall be binding on you and your heirs, your executors, administrators, guardians, personal representatives, or trustee in bankruptcy.
Miscellaneous Provisions: When any provision in this Agreement states that we may take certain actions, we may do so in our sole discretion. We do not waive our rights by delaying or failing to execute them at any time. To the extent permitted by law and as permitted by the Waiver of Jury Trial and Arbitration above, you agree to be liable to us for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your Virtual account. If a court finds any provision of this Agreement invalid or unenforceable, such finding shall not make the rest of this Agreement invalid or unenforceable. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of this Agreement in all other respects shall remain valid and enforceable.
For all customer service information regarding the Virtual account, please contact:
4740 Green River Rd, Suite 105-106
Corona, CA 92880
This Agreement is effective 02/2018