THIS PAYMENT SERVICE IS SUBJECT TO THE FOLLOWING TERMS AND
CONDITIONS

Do not use or access this Website or Service if You do not agree to be bound by these
Terms and Conditions

These Terms and Conditions (“Terms and Conditions”) are in effect for all transactions
processed though this payments website (“Website”) on or after January 2, 2020, and apply to
and govern Your access to and use of this Website, the Service and all Alternative Channels.
This payment processing service is offered to You on behalf of your Biller (“Service”).
It is important to carefully review all Terms and Conditions below, including the provision
concerning REFUNDS. These Terms and Conditions may be amended at any time. All amended
terms shall be effective immediately after they are posted to the Website. By using this Website
after such modifications are posted, You are agreeing to accept and comply with the Terms and
Conditions as modified. These Terms and Conditions also apply to Service transactions, or
Payments, made by or through any “Alternative Payment Channels” including those Payments
initiated, or completed through, Integrated Voice Response (IVR) systems, customer service
representatives, telephone, internet, or any other means or mechanisms of Payment acceptance.
These Terms and Conditions, as amended, shall apply to all subsequent Payments and otherwise
solely govern the relationship of the parties.

As used in these Terms and Conditions, the term “User” means a user of this Website or any
Alternative Payment Channel, located in the U.S., who is making a payment to the Biller. The
terms “You” and “Your” may be used to refer to the User. The terms “ACI Payments, Inc.”
“we”, “our” or “us” refer to the service and, as applicable, its affiliates and parent company
who support the Service; these entities include, but are not limited to ACI Worldwide, Corp. and
ACI Payments, Inc.. The term “Biller” refers to the receiver of Your Payment, which is
generally a business that is a client of ACI Payments, Inc. that has authorized ACI Payments,
Inc. to process Payments from its customers. Each payment transaction (“Payment”) made
through the Service is a payment to the Biller. ACI Payments, Inc. solely provides processing
services to the Biller and is not involved in the administration or collection of Your account, nor
is ACI Payments, Inc. involved or associated with the goods and/or services provided by Biller.
The term “bank account” means a checking account, savings account, or money market account
established in Your name at a bank or other financial institution. The term “bank card” means a
U.S. issued American Express®, Discover®, Visa® or MasterCard® credit card (“credit card”)
or an ATM/debit card issued by or through a financial institution located in the U.S
(“ATM/debit card”). You may only designate bank accounts or bank cards held in Your name
for debiting or charging to make a Payment. Depending on the service options selected by the
Biller, a transaction fee (“Convenience Fee”) for each Payment made through the Service may
be assessed by the Biller. If a Convenience Fee is charged, it will be disclosed to You prior to
making a Payment and You will be given the option of not proceeding with the Payment
transaction if You do not wish to pay the Convenience Fee and complete the Payment. If a
Convenience Fee is assessed for Your Payment, then we will only process the Payment if You
agree to pay the Convenience Fee. ACI Payments, Inc. reserves the right to modify or 2
discontinue the Service at any time. The term, “Business Day,” means Monday through Friday,
except for holidays.

By using the Service, You are requesting to make a Payment to Your Biller. You are
acknowledging and representing that: (1) You have considered other payment channels, such as
delivery of the payment to your Biller by U.S. mail, overnight delivery services, or in-person
methods, and that you desire to use the Service to process the Payment; (2) You have elected to
use the Service and are voluntarily agreeing to have Your Payment processed by using the
Service, subject to the Terms and Conditions; (3) ACI Payments, Inc. has not acted as a seller,
lessor, merchant, or vendor with respect to any goods or services provided by the Biller, and (4)
Your Payment is not in response to any debt collection activities initiated by ACI Payments, Inc..
If you think that ACI Payments, Inc. has engaged in debt collection activities concerning your
account, you agree to discontinue your Payment transaction immediately.

1. COMPLIANCE

You represent, warrant and certify that Your use of the Service shall not in any way, directly or
indirectly: (a) violate any law, statute, ordinance, contract or regulation, including but not limited
to any law, statute, ordinance, contract or regulation relating to money laundering, illegal
gambling activities, support for terrorist activities, fraud or theft; (b) violate any of these Terms
and Conditions of use; (c) transmit, directly or indirectly, any form of malicious or unwanted
code or program to this Website or any websites, servers, networks, systems or equipment of
ACI Payments, Inc. or any third party, or would otherwise interfere with or disrupt this Website
or any websites, servers, networks, systems or equipment of ACI Payments, Inc. or any third
party; (d) violate any policies or procedures established by any networks connected to this
Website; and/or (e) employ any data mining programs or techniques in connection with this
Website. When required by applicable law, Payments will be reported to federal, state, local or
foreign authorities. In addition, ACI Payments, Inc. will cooperate with law enforcement in the
detection or prosecution of illegal activities to the fullest extent permitted or required by
applicable law. You will be required to provide ACI Payments, Inc. with certain information to
allow ACI Payments, Inc., among other things: to verify Your identity; to receive appropriate
authorization; and to complete the Payment. ACI Payments, Inc. is not an escrow service
provider and You agree that You will not use the Service for escrow purposes. You agree that the
information You provide is complete, current, and otherwise accurate. ACI Payments, Inc. may
rely on the information You provide, including any user IDs or passwords that You create, to
identify You and Your activity. You must promptly update and otherwise maintain your
information to keep Your account current at all times. You agree that ACI Payments, Inc. may
use the information you provide for any purpose, so long as such use does not violate ACI
Payments, Inc.’s Privacy Policy. Please refer to the Biller's online privacy statement for
additional information regarding use of Your information.

2. METHODS OF PAYMENT.

With the authorization You provide through this Website, or through Alternative Payment
Channels (“Authorization”), your credit card will be charged or the bank account You have
designated will be debited (either via one of the debit card networks by using Your ATM/debit
card or via the Automated Clearing House (“ACH”) electronic payment system). Depending on 3
the Payment options selected by the Biller, You may schedule either one-time or recurring
Payments. The Payment screen(s) You access for Your Biller will indicate which Payment
options are available. Pursuant to the information and Authorization, your credit card will be
charged or the bank account You have designated at the time and in the manner You have
authorized (either ATM/debit card or ACH) will be debited to make Payment to the Biller. We
will process Your Payment to the Biller through an ACH credit to the Biller's designated bank
account, together with the Payment information pertaining to Your Payment. Each time You use
the Service You agree that ACI Payments, Inc., acting on behalf of the Biller, is authorized to
process your Payment and facilitate the charging of your credit card or debiting Your designated
bank account for the amount of Your Payment and any Convenience Fee that You have agreed to
pay and any other applicable fees. You agree not to make a Payment that exceeds Your limits on
Your bank card account, transfer limits, or the balance of Your bank account (including any
overdraft allowances by Your financial institution). Your agreement with Your bank card issuer
and/or financial institution where you have Your bank account governs use of Your bank card
and/or bank account, and You must refer to that agreement to ascertain Your rights and liabilities
as an account holder or cardholder (which for a credit charge may include a “cash advance” fee).

3. PAYMENT TRANSACTION LIMITS.

ACI Payments, Inc. and/or the Biller, as applicable, reserve the right to limit the maximum
amount of a Payment, limit the number of Payments in a time period, and to reject a proposed
Payment, in their sole discretion.

4. FEES AND PAYMENT.

Timing of Payments. You should authorize Your Payment at least two (2) Business Days before
Your Payment due date. Typically Payments made using Your credit card or ATM/debit card
will be charged or debited on the day we receive Your Authorization. Typically Payments made
by ACH will be debited from Your bank account on the Business Day following Your
Authorization. If we receive Your Authorization on a Business Day prior to the scheduled cutoff
time, we will process Your Payment to the Biller on the same Business Day. If we receive Your
Authorization on a day which is not a Business Day or after the day's scheduled cutoff time, we
will process Your Payment to the Biller on the next Business Day. For a recurring Payment, if
You schedule a Payment on a date which is not a Business Day, then we will process the
Payment on the next Business Day thereafter. Unless the Biller has indicated that it will post
sooner, the Biller will usually post Your Payment no later than two (2) Business Days after it has
been processed by us.
Fees. In consideration for the use of the Service, You may be assessed a Convenience Fee for
each Payment transaction initiated by You. If a Convenience Fee applies, then the applicable
Convenience Fee for Your Payment will be disclosed to You prior to Your final Authorization of
the Payment. A Convenience Fee will only be assessed upon Your Authorization. If You elect to
proceed with a Payment, Your credit card will be charged or Your bank account will be debited
in the manner You have authorized (either ATM/debit card or ACH) for the amount of the
Payment to the Biller plus the amount of any applicable Convenience Fee. You acknowledge and
agree that in some instances, the Convenience Fee may be shared by Biller and us; You agree
that any Convenience Fee or portion thereof retained by ACI Payments, Inc. is a fee for the use 4
of the Service and is not a debt collection fee or a fee or surcharge imposed for making payment
via credit or ATM/debit card.
Rejected Payments. If authorization is not received from Your bank or Your bank card issuer, or
if Authorization is not received from You to debit Your bank account via ACH for the amount
Payment (and Convenience Fee, if any), the Payment will not be completed and/or processed, to
the extent permitted by law.
NSF; Additional Fees or Charges. You agree if there are insufficient funds (“NSF”) in Your
bank account to cover a requested Payment, or if Your bank or bank card issuer rejects a debit
for any reason, the Payment will be cancelled and Your Payment will be reversed to the extent
permitted by law. If this occurs, You may be liable to the Biller for interest, late fees and other
charges, to the extent permitted by law. You may also be liable for any fees charged by the
financial institution where You have Your bank account or, with respect to Your bank card, by
the financial institution that issued You the bank card.

5. REVOCATION OR CANCELLATION.

You may not cancel a Payment once Your bank card has been charged or Your bank account has
been debited. If You schedule recurring Payments, You may revoke Your Authorization by re accessing the means by which you provided Authorization (e.g. if you provided Authorization
through the Website you may revoke Authorization through the Website) or by contacting
Customer Service at the number provided in time for us to receive Your request 3 Business Days
or more before the Payment is scheduled to be made. If You call, we may also require You to put
Your request in writing and get it to us within 14 days after You call. In addition, if You
schedule recurring Payments made from Your bank account via a debit network by using Your
ATM/debit card or via ACH, please carefully review the information concerning
PREAUTHORIZED PAYMENTS below.

6. REFUNDS.

Unless required by law, no refunds of principal or the Convenience Fee are available once Your
bank card has been charged or Your bank account has been debited, unless we processed a
Payment in error. Please call the Biller if You have questions concerning amounts posted to Your
account with the Biller.

7. LIMITATION OF LIABILITY.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT
SHALL ACI PAYMENTS, INC. OR ANY OF ITS AFFILIATES BE LIABLE FOR
DAMAGES, INCLUDING FOR DELAY, NON-DELIVERY, NONPAYMENT OR
UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, WHETHER
CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR
AGENTS OR OTHERWISE, BEYOND THE SUM OF $500 (IN ADDITION TO
REFUNDING ANY CONVENIENCE FEE FOR THE AFFECTED PAYMENT, AND THE
PAYMENT AMOUNT, IF ANY, HELD BY ACI PAYMENTS, INC.), and (2) IN NO EVENT
WILL ACI PAYMENTS, INC. BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL,
CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR DAMAGES FOR LOSS 5
OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU OR ANY THIRD PARTY,
WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM YOUR ACCESS
TO, OR USE OF, THE WEBSITE. FURTHERMORE, NEITHER ACI PAYMENTS, INC.
NOR ITS AFFILIATES SHALL BE LIABLE FOR THE OFFENSIVE, DEFAMATORY, OR
ILLEGAL CONDUCT OF YOU OR ANY OTHER THIRD PARTIES. YOU
ACKNOWLEDGE AND AGREE THAT THE RISK OF ANY INJURY RELATING
THERETO RESTS SOLELY AND ENTIRELY WITH YOU.. THESE CONDITIONS
CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.
ACI PAYMENTS, INC. WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE
INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THIS WEBSITE
AND ACTUALLY RECEIVED BY ACI PAYMENTS, INC., AND DOES NOT ASSUME
RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT
UNDER ITS CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF
SUCH TRANSMISSIONS. ACI PAYMENTS, INC. IS NOT RESPONSIBLE FOR ANY
LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE
USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY
BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS
CONTROL. ACI PAYMENTS, INC. IS NOT RESPONSIBLE SHOULD YOU PROVIDE
INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT
GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROVISION OF THE
SERVICES YOU REQUESTED.
OTHER THAN OUR AGREEMENT WITH THE BILLER TO PROVIDE YOU ACCESS TO
THE SERVICE AND PROCESS PAYMENTS ON BEHALF OF BILLER, ACI PAYMENTS,
INC. IS NOT AFFILIATED WITH THE BILLER. ACI PAYMENTS, INC. SHALL HAVE NO
RESPONSIBILITY OR LIABILITY WITH RESPECT TO ANY OBLIGATION OF BILLER
TO YOU. YOU AGREE THAT ACI PAYMENTS, INC. SHALL HAVE NO LIABILITY FOR
THE WRONGFUL ACTS, NEGLIGENCE OR ERRORS OF THE BILLER OR ANY OTHER
THIRD PARTY ACTING AS AN AGENT OF THE BILLER, INCLUDING THE FAILURE
TO PROPERLY ACCOUNT FOR THE PAYMENT YOU MAKE TO THE BILLER. IN
CONSIDERATION FOR BEING ALLOWED TO USE THE SERVICE, YOU COVENANT
NOT TO BRING ANY CLAIMS OR CAUSES OF ACTION AGAINST ACI PAYMENTS,
INC. THAT ARE INCONSISTENT WITH THE PROVISIONS OF THIS SECTION.

8. RESOLUTION OF DISPUTES.

Unless You opt out as set forth below, any dispute arising from or relating to Service or your
Payment(s) shall be resolved by mandatory and binding arbitration. The arbitrator shall also
decide what is subject to arbitration unless prohibited by law. The arbitration will be
administered by American Arbitration Association (“AAA”) under its Consumer Arbitration
Rules, which are available at https://www.adr.org/active-rules. You will be responsible for up to
$200 of the administration fees. We, or the Arbitrator, may reduce this amount if you
demonstrate hardship. This agreement is governed by the Federal Arbitration Act 9 U.S.C. § 1 et
seq. (“FAA”), and any award shall be final and binding, and may be entered as judgment in any
court of competent jurisdiction. Any arbitration shall take place on an individual basis; class
actions or consolidation of arbitrations are not permitted. The Arbitrator shall be required to 6
follow applicable substantive law and shall have no authority to deviate therefrom. If any part of
this paragraph is deemed invalid, it shall not invalidate the other parts. If AAA is unwilling or
unavailable to administer the arbitration, the parties or a court will select another arbitrator in
accordance with the FAA. You may opt out of arbitration within 30 days after initiating a
Payment by calling 800-487-4567. IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY
RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO
PARTICIPATE IN A CLASS ACTION.

9. INDEMNITY.

You agree to indemnify, defend and hold harmless ACI Payments, Inc., and all its officers,
directors, owners, agents, employees, affiliates, licensors, licensees and third party service
providers (collectively, the “Indemnified Parties”) from and against any and all losses, damages,
liabilities, and claims and all fees, costs, expenses of any kind related thereto (including, without
limitation, reasonable attorneys' fees and costs) incurred by the Indemnified Parties in connection
with any claim arising out of, based upon or resulting from (i) Your access to and/or use of the
Website or Services; and/or (ii) Your breach or violation of the Terms and Conditions. ACI
Payments, Inc. reserves the right, at its own expense, to assume the exclusive defense and control
of any matter otherwise subject to indemnification by You. You shall not in any event settle any
Indemnified matter without the written consent of ACI Payments, Inc..

10. INTELLECTUAL PROPERTY.

The Website, the Service, the content, and all intellectual property pertaining thereto and
contained therein (including but not limited to copyrights, patents, database rights, trademarks
and service marks) are owned by ACI Payments, Inc. or third parties, and all right, title and
interest therein and thereto shall remain the property of ACI Payments, Inc. and/or such other
third parties. The Website and the Service may be used only for the purpose permitted by these
Terms and Conditions. You are authorized solely to view and retain a copy of the pages of the
Website for Your own personal, non-commercial use. You agree that You may not duplicate,
publish, modify, create derivative works from, participate in the transfer of, post on the Internet,
or in any way distribute or exploit the Website, the Service or any portion thereof for any public
or commercial use without the express written consent of ACI Payments, Inc.. You further agree
not to: (i) use any robot, spider, scraper or other automated device to access the Website and/or
Service, the Website, any Alternative Payment Channels, or any information contained therein;
(ii) disguise the origin of information transmitted to, from, or through the Service, the Website,
or any Alternative Payment Channels; or (iii) remove or alter any copyright, trademark or other
proprietary notice or legend displayed on the Website (or printed pages thereof). The name ACI
Payments, Inc. and other names and indicia of ownership of ACI Payments, Inc.'s Service are the
exclusive marks of ACI Payments, Inc. or other third parties. Other product, service and
company names appearing on the Website may be trademarks of their respective owners.

11. LINKS TO OTHER SITES.

The Website may contain links and pointers to other Internet sites and resources (the “Linked
Sites”). Such Linked Sites may be operated by advertisers, sponsors, and content partners, any of
which may use ACI Payments, Inc.’s logo(s) as part of a co-branding agreement. These Linked 7
Sites may use cookies, collect data, solicit personal information, or contain information that You
may find offensive or inappropriate. Links to any Linked Site do not constitute an endorsement,
sponsorship, or recommendation by ACI Payments, Inc. or any of its affiliates to any third party
resources or their contents. Links do not imply that ACI Payments, Inc. is affiliated or associated
with or is legally authorized to use any trademark, trade name, logo or copyright symbol
displayed in or accessible through the links, or that any Linked Sites are authorized to use any
trademark, trade name, logo or copyright symbol of ACI Payments, Inc. or any of its affiliates.
You should direct any concerns regarding any Linked Site to such Linked Site's site
administrator or webmaster. ACI Payments, Inc. does not represent or endorse the accuracy or
reliability of, and expressly disclaims, any advice, opinion, statement, or other information
displayed or distributed through any Linked Site. You agree that reliance upon any opinion,
advice, or information displayed on or otherwise available through any Linked Site shall be at
Your sole risk. ACI Payments, Inc. cannot be held responsible for the accuracy, relevancy,
copyright compliance, legality or decency of material contained in any Linked Sites.

12. THIRD-PARTY USE OF SERVICES.

The Service shall only be used by actual and bona-fide customers of Billers. Unless expressly
authorized in writing, You shall not use the Services, Website, any Alternative Payment
Channel, or any information contained therein for any commercial use. Third-party commercial
payment aggregators (third-party payment servicers or processors, or any other entities
submitting Service transactions or Payments on behalf of User-customers) may not submit
Service transactions or Payments, or otherwise use the Services, Website, or any Alternative
Payment Channel. By conducting a Service transaction, making a Payment, or accessing the
Services or Website (including through Alternative Payment Channels) You represent and
warrant that: (i) You are a customer of Biller, (ii) that You are using the Services and/or
submitting a Payment transaction on Your own behalf, or as an employee, owner or principal of
the User-customer, and (iii) that You are not using the Service or Website under a claim of
agency or other third-party relationship on behalf of a User-customer, and (iv) that You are not
using the Service or Website for profit, financial gain, or any commercial benefit. You hereby
agree to be liable to us for all interchange fees and merchant fees, and all other costs and fees
associated with processing all Payments and Service transactions submitted by You in violation
of this Section. You further agree to be liable to us for all other damages, costs, fees, expenses,
and reasonable attorney fees incurred by us arising out of, or related to, Your breach of this
Section. The provisions set forth in Section 8 (Resolution of Disputes) shall not apply to any
action or claim made by SPI or Biller arising under, or related to, this Section 12.

13. INTERACTIVE CONTENT.

This Website may include opportunities for You to access, view, and provide content for this
Website in the form of blogs, comment sections, discussion forums, and other similar interactive
content (“Interactive Content”.) You alone are responsible for Your use of any such Interactive
Content and You use them at Your own risk. You may not use this Website or any Interactive
Content in any way that (as determined by ACI Payments, Inc.) impairs, inhibits, or restricts
anyone else from enjoying or using this Website or the related Interactive Content.

14. REMEDIES FOR BREACH

If You have engaged in any of the prohibited activities described in the Terms and Conditions,
ACI Payments, Inc. may terminate, suspend, or limit your access to or use of this Website; notify
law enforcement, regulatory authorities, impacted third parties, and others as we deem
appropriate; refuse to permit access to this Website in the future; and/or take legal action against
You. ACI Payments, Inc., in its discretion, reserves the right to terminate Your access to this
Website for any reason at any time.

15. NO WAIVER

ACI Payments, Inc. shall not be deemed to have waived any of its rights hereunder unless such
waiver is in writing and signed by an authorized representative of ACI Payments, Inc.. No delay
or omission in exercising ACI Payments, Inc.’s rights or remedies shall function as a waiver of
such rights or remedies. A waiver on any particular occasion shall not be construed as a waiver
of any future rights or remedies.

16. DISCLAIMER

Use of this Website and any materials or downloads obtained in connection with this Website are
solely at Your own discretion and risk. This Website and all related materials are provided on an
“as is” and “as available” basis. ACI Payments, Inc. bears no responsibility for any damage
caused to you or your belongings that results from Your use of this Website or related materials.
ACI Payments, Inc. expressly disclaims all warranties of any kind, whether express or implied,
including but not limited to the implied warranty of merchantability.

17. MISCELLANEOUS.

These Terms and Conditions, together with all other items incorporated herein by reference,
embody the entire agreement and understanding between You and us regarding the Services,
Website, Alternative Payment Channels and supersedes all prior agreements or understandings
You have with ACI Payments, Inc.. ACI Payments, Inc. has the right to assign these Terms and
Conditions to a subsidiary or affiliate, company, or any third party, at any time without Your
consent. You may not assign or transfer these Terms and Conditions without our prior written
consent. If any one or more of these Terms and Conditions shall for any reason be held to be
invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.
Your access to and use of the Services, the Website, and any Alternative Payment Channels is
governed by the laws of the State of New York, without regard to its rules regarding conflicts of
law. The Services, the Website, and any Alternative Payment Channels are directed to persons
age 13 and over residing in the U.S. If you are over the age of 13 but under the age of 18, you
must either (i) be an emancipated minor, or (ii) have obtained the legal consent of your parent or
legal guardian to use this Site and enter into these terms. The Services, the Website, and any
Alternative Payment Channels are not intended for distribution to or use by any person or entity
in any jurisdiction or country where such distribution or use would be contrary to law or
regulation. We reserve the right to limit, condition, modify, or refuse access to the Services, the
Website, and any Alternative Payment Channels to any person or entity. You and We covenant
and agree that these Terms and Conditions may not be changed or amended orally and that
neither of us will attempt to change or amend this agreement orally. 9
10
SPECIAL INFORMATION FOR PAYMENTS MADE FROM YOUR BANK ACCOUNT
(VIA A DEBIT NETWORK BY USING YOUR ATM/DEBIT CARD OR VIA ACH)
1. ERROR RESOLUTION.
ALL QUESTIONS ABOUT YOUR PAYMENT(S) OR THE SERVICE MUST BE DIRECTED
TO US, AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU
HAVE YOUR ACCOUNT. We are responsible for the Service and for resolving any errors in
Payments made with the Service. We will not send you a periodic statement listing the Payments
that you make. The Payments will appear only on the statement issued by Your bank or other
financial institution. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE THE
SERVICE, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE
FROM YOUR BANK OR OTHER FINANCIAL INSTITUTION. In case you have any
questions about one of these transactions, call us at the Customer Service number indicated
below.
In case of errors or questions about Your Payment, contact the Customer Service number below
as soon as You can if You think Your bank account statement, ATM/debit card account
statement, or receipt is wrong or if You need more information about a Payment listed on Your
statement or receipt. We must hear from You no later than 90 days after Your financial
institution sends You the first statement on which the problem or error appeared (this time period
is subject to extension if a delay results from Your initial attempt to notify Your financial
institution rather than us). (1) Tell us Your name and Your bank account number and/or
ATM/debit card account number; (2) Describe the error or Payment You are unsure about, and
explain as clearly as You can why You believe it is an error or why You need more information;
and (3) Tell us the dollar amount of the suspected error. If You tell us orally, we may require that
You send us Your complaint or question in writing within 10 Business Days. We will determine
whether an error occurred within 10 Business Days after we hear from You and if we determine
that an error occurred, we 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, and if
the Payment in question was made by a debit to Your bank account and/or ATM/debit card
account, we will credit Your bank account and/or ATM/debit card account within 10 Business
Days for the amount You think is in error, so that You will have the use of the money during the
time it takes us to complete our investigation. If we ask You to put Your complaint or question in
writing and we do not receive it within 10 Business Days, we may not credit Your account. For
errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to
90 days to investigate your complaint or question. For new accounts, we may take up to 20
business days to credit your account for the amount you think is in error. We will tell You the
results within three Business Days after completing our investigation. If we decide that there was
no error, we will send You a written explanation. You may ask for copies of the documents that
we used in our investigation.
2. LIABILITY FOR UNAUTHORIZED DEBITS TO YOUR BANK ACCOUNT AND/OR
ATM/DEBIT CARD ACCOUNT.
Tell us AT ONCE by contacting Customer Service at the number below if You believe someone
has used or may use the Service without Your permission to authorize a debit to Your bank 11
account or to Your ATM/debit card account. You should also contact Your financial institution
and/or ATM/debit card issuer. Calling immediately is the best way to keep Your possible losses
down. You could lose all the money in Your bank account and/or ATM/debit card account (plus
Your maximum overdraft line of credit). If You tell us within 4 Business Days after You learn of
an unauthorized debit from Your bank account and/or ATM/debit card account, You can lose no
more than $50 if someone used the Service to authorize a debit to Your bank account or to Your
ATM/debit card account without Your permission. If You do NOT tell us within 4 Business
Days after You learn of an unauthorized debit from Your bank account and/or ATM/debit card
account, and we can prove we could have prevented the loss, You could lose as much as $500.
Also, if Your bank account and/or ATM/debit card account statement shows any unauthorized
debits that You did not make, tell us at once. If You do not tell us within 90 days after the
statement was mailed to You, you may not get back any money you lost after the 90 days if we
can prove that we could have prevented the loss. If a good reason (such as a long trip or a
hospital stay) kept you from telling us within 90 days, we will extend the time period.
3. DOCUMENTATION/INFORMATION.
Payments and fees will be listed as Payment to the Biller on Your ATM/debit card account
statement and/or Your bank account statement. A confirmation receipt will be made available to
You on this Website after You submit Your Payment information. You should print and retain a
copy of the confirmation or copy it to Your hard drive for Your records. You may also contact
Customer Service at the number below at any time to learn of debits to Your bank account and/or
ATM/debit card account through the Service. We will not send You a periodic statement listing
Payments that You make using the Service. The Payments will appear only on the statement
issued by Your financial institution. If You have any questions about one of these Payments,
contact Customer Service.
4. PREAUTHORIZED PAYMENTS.
Notice of Varying Amounts. If You have authorized us in advance to make regular Payments out
of Your account to a specified Biller (“Preauthorized Payments”), and these Preauthorized
Payments vary in amount, you will be provided notice at least 10-days before each Preauthorized
Payment, either by us or the Biller (through your monthly bill or otherwise), of when the
Preauthorized Payment will be made and how much the Preauthorized Payment will be.
Liability for Failure to Stop Payment of Preauthorized Transfer. You may cancel a
Preauthorized Payment, using your account settings or by telephone, up to 3 Business Days
before the date of the next scheduled payment. If You order us to stop one of these Preauthorized
Payments 3 Business Days or more before the Preauthorized Payment is scheduled, and we do
not do so, we will be liable for Your losses or damages. Once Your Preauthorized Payment has
been canceled, all future Preauthorized Payments in connection with that Biller will be canceled
as well.
5. CONFIDENTIALITY.
Information gathered from You or used in connection with a Payment is subject to the Biller's
privacy statement available on the Biller's website. If You receive information about another 12
person through this Website, you agree to keep the information confidential and use it only in
connection with this Website.
6. OUR LIABILITY.
If we fail to charge or debit Your account in accordance with these Terms and Conditions in the
correct amount or in a timely manner when properly instructed by You, we will be liable for
certain losses proximately caused by our failure as the law may impose in such cases. However,
there are some exceptions. For example, we will not be liable: (1) If there are insufficient funds
in Your bank account or ATM/debit card account; (2) If we do not receive authorization from the
bank card issuer or Authorization from You to debit Your bank account by ACH; (3) If You
decline to authorize the Payment of an applicable Convenience Fee; or (4) If circumstances
beyond our control prevent the Payment, despite reasonable precautions that we have taken. In
addition, there may be other exceptions in our agreement with You. Under such circumstances,
ACI Payments, Inc. assumes no obligation to complete a Payment or process the Payment for
You or the Biller. You agree that ACI Payments, Inc. shall not be liable for damages resulting
from nonpayment to Biller or any failure to complete any applicable Payment by reason of the
foregoing, or other matters beyond its control.
For telephone inquiries or comments, please call Customer Service at 800-487-4567.
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E-Sign Disclosure and Consent Notice
This E-Sign Disclosure and Consent Notice (“Notice”) applies to all communications, as
defined below. For the Electronic Service under this Notice, communications You receive in
electronic form from us will be considered “in writing.”
By using the Services (“Electronic Services”) You hereby consent to this Notice and affirm
that You have access to the hardware and software requirements identified below. In
addition, You must review and accept the terms of these Electronic Services. If You choose
not to consent to this Notice or You withdraw Your consent, You will be restricted from
using Electronic Services.
COVERED COMMUNICATIONS
Communications include, but are not limited to, disclosures and communications we provide to
You regarding our services such as: (i) terms and conditions or notices and any changes thereto;
(ii) pre-payment disclosures, Payment receipts and confirmations; and (iii) customer service
communications (such as claims of error communications) (“Communications”).
METHODS OF PROVIDING COMMUNICATIONS
We may provide Communications to You by email or by making them accessible on the
websites, mobile applications, or mobile websites (including via “hyperlinks” provided online
and in e-mails). Communications will be provided online and viewable using browser software
or PDF files.
HARDWARE AND SOFTWARE REQUIREMENTS
To access and retain electronic Communications, You must have:
 A valid email address;
 A computer, mobile, tablet or similar device with internet access and current browser
software and computer software that is capable of receiving, accessing, displaying, and
either printing or storing Communications received from us in electronic form;
 Sufficient storage space to save Communications (whether presented online, in e-mails or
PDF) or the ability to print Communications.
We may request that You respond to an email to demonstrate You are able to receive these
Communications.
HOW TO WITHDRAW YOUR CONSENT
You may withdraw Your consent to receive Communications under this Notice by writing to us
at “Attn: E-Sign Disclosure and Consent Notice, 6060 Coventry Drive, Elkhorn, NE USA 14
68022,” or by contacting Customer Service at 800-487-4567. Your withdrawal of consent will
cancel Your agreement to receive electronic Communications, and therefore, Your ability to use
our Electronic Services.
REQUESTING PAPER COPIES OF ELECTRONIC COMMUNICATIONS
You may request a paper copy of any Communications; we will mail You a copy via U.S. Mail.
To request a paper copy, contact us by writing to “Attn: E-Sign Disclosure and Consent Notice,
6060 Coventry Drive, Elkhorn, NE USA 68022,” or by contacting Customer Service at 800-487-
4567. Please provide Your current mailing address so we can process this request. We may
charge You a reasonable fee for this service.
UPDATING YOUR CONTACT INFORMATION
It is Your responsibility to keep Your primary email address current so that we can communicate
with You electronically. You understand and agree that if we send You a Communication but
You do not receive it because Your primary email address on file is incorrect, out of date, it is
blocked by Your service provider, or You are otherwise unable to receive electronic
Communications, we will be deemed to have provided the Communication to You; however, we
may deem Your account inactive. You may not be able to transact using our Online Services
until we receive a valid, working primary email address from You.
If You use a spam filter or similar software that blocks or re-routes emails from senders not
listed in Your email address book, we recommend that You add us to Your email address book
so that You can receive Communications by e-mail.
You can update Your primary email address or other information by writing to us at “Attn: E Sign Disclosure and Consent Notice, 6060 Coventry Drive, Elkhorn, NE USA 68022,” or by
contacting Customer Service at 800-487-4567.
FEDERAL LAW
You acknowledge and agree that Your consent to electronic Communications is being provided
in connection with a Payment affecting interstate commerce that is subject to the federal
Electronic Signatures in Global and National Commerce Act, and that You and we both intend
that the Act apply to the fullest extent possible to validate our ability to conduct business with
You by electronic means.
TERMINATION/CHANGES
We reserve the right, in our sole discretion, to discontinue the provision of Your
Communications, or to terminate or change the terms and conditions on which we provide
Communications. We will provide You with notice of any such termination or change as
required by law.
Copyright © 2020 ACI Payments, Inc. Corporation, an ACI Worldwide Company. 15
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