The services provided on this Card Assets Web site (the "Service") are provided by Card Assets ("we," "us" or "our") so cardholders ("you") can access account information online. Cardholders and any other persons accessing the Card Assets Web site are subject to these terms and conditions for use of the site and the Service.



Access to the Service

To use the Service you will need an Internet-ready computer equipped with Microscoft® Internet Explorer (version 6.0 or higher for both Windows® and Macintosh® operating systems). Your browser must also support 128-bit encryption and be JavaScript™ enabled. You will be able to access your account information on the Card Assets Web site only if you have signed up for the Card Assets service. To ensure successful sign-in with the Service, all the information you provide to us must be accurate, complete, and current. By submitting your Sign-In information, you are authorizing us to verify any of the information you provided. Verification of your identity may be achieved through the use of the third-party services.


Account Information

We determine what information you will be able to access through the Service. Unless you elect to receive your statement online, the account information on this Service is not intended to replace the regular statement you receive by mail or other means. Please refer to your full credit card statement for complete account information, including important information about your rights and obligations. Although we take steps to promote accuracy, we are not responsible for the accuracy of statement information appearing on this Service or any other issues relating to your account. Any questions regarding the accuracy of your account summary or detail must be addressed directly with Card Assets at P.O. Box 723847, Atlanta, GA 31139-0847. Copies of previously delivered paper statements must be requested from Card Assets at P.O. Box 723847, Atlanta, GA 31139-0847.

Payment

You are responsible for ensuring timely payment of all bills and for the method you use to make your payments. Any payment service you access through links from this site is separate from this site and subject to the terms and conditions provided by such other service and terms of use for that other site. Card Assets is not responsible for problems or issues related to your payments.


Security

Although we use stringent security measures and take reasonable steps to protect your account and other personal information, the Internet is a public network, and we cannot guarantee that any information transmitted or transactions conducted via the Internet are absolutely secure or that a third party will not be able to access or intercept such payment information.

We do not tolerate fraud and reserve the right to take reasonable measures to detect and prevent it. For security purposes, we may view, monitor, and record activity on this site without notice or permission from you. Any information obtained by monitoring, viewing, or recording may be subject to review by law-enforcement organizations in connection with investigation or prosecution of possible criminal activity on the site. We will also comply with all court orders involving requests for such information. Actual or attempted fraud or other unauthorized use of this site or the Service may result in criminal and/or civil prosecution and immediate termination of your right to use the Service.


Your Conduct

While accessing this site or using the Service, you agree not to:

  1. Tamper with, hack, modify or otherwise corrupt the security, content or functionality of the Service;
  2. Restrict or inhibit any other user from using and enjoying this site or the Service;
  3. Post or transmit any information or software that contains a virus, worm, Trojan horse, or other harmful or disruptive component;
  4. Engage in any illegal activity using or in connection with the Service or this site;
  5. Copy, remove or alter any content, intellectual property or copyright, trademark or other proprietary notice or legend displayed on the this or printed pages from this site; or
  6. Take any other action that creates or poses a risk to us or to other users of this site.

We reserve the right, in our sole discretion, either to refuse to post or to remove any information or materials, in whole or in part, that do not comply with these terms. We also reserve the right, in our sole discretion, to prohibit from using this site or the Service any user who violates these terms. Such prohibition may occur without notice to the user.

Linked Sites

This site may contain links to other sites operated by third parties ("Linked Sites"). You access any Linked Site at your own risk. We are not a party to any agreements you enter with Linked Sites and are not responsible for the services offered by such sites.

Liability Limitations

We will not be liable for any loss resulting from a cause over which we do not have direct control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, power outages, telephone or other interconnect problems, computer viruses, "hacking," unauthorized access, theft, operator errors, delays in the banking system, severe weather, earthquakes, natural disasters, strikes or other labor problems, acts of terrorism, wars, or governmental restrictions. In addition, we will not be responsible for any problems, costs or consequences of:

  1. Our inability to confirm your identity;
  2. Your inability to access the information on this site;
  3. Inaccuracies or errors in the information or material on this site;
  4. Termination or suspension of your participation in the Service for security purposes; or
  5. Your failure to provide us with correct, current and complete information.
Disclaimers

THE SERVICE (AND ALL OTHER RELATED SERVICES) IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO:

ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY OR CONTENT OF INFORMATION, PRODUCTS, SERVICES, OR RESULTS; AND

THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

We reserve the right to change and/or discontinue the current Services or any component of the Service at any time, for any reason, to the extent not prohibited by applicable law.


One-Time Payments

Payments submitted online Monday through Friday before 5:00 PM CT will be posted to your credit card account on that day unless the day is a legal holiday or other day that we are not open for business. Online payments made after 5:00 PM CT or on weekends, holidays or other days that we are not open for business will be posted on the next processing day. [Note that such payments may not be posted to the checking or savings account you designate as your payment account until a subsequent day.] Except as otherwise required by law, payments will be credit as of the date of posting.

Online payments can only be scheduled for amounts less than or equal to the current balance. If you schedule a payment for an amount greater than your current balance, the payment will post for the amount equal to your current balance.

IMPORTANT: Any online payments you make from a checking or savings account that is different from the account designated for automatic payments will cause future automatic payments to be drafted from the checking or savings account last entered. You will need to update your records accordingly.

Payments made online may not be cancelled online. Please contact a Customer Services or (800) 854-7642.

ACCEPTANCE: I have read and understand the terms and conditions provided above. I authorize my issuer to initiate a one-time payment to withdraw the specified amount from my designated checking or savings account ("Deposit Account") today.


Automatic Payments (Monthly Auto-Pay) Terms and Conditions

By accepting these Automatic Payment Terms and Conditions, I authorize the Financial Institution to initiate payment of my credit card automatically each month on my Payment Due Date, or if my Payment Due Date falls on a weekend, holiday or other day that the Financial Institution or Card Assets, is not open for business, then on the next processing day after my Payment Due Date, by withdrawing the specified amount from my designated checking or savings account ("Deposit Account"). I also authorize the Financial Institution to update my Deposit Account information upon receipt of (i) any "Notice of Change" from the Financial Institution holding my Deposit Account or (ii) a one-time payment that I designate from a different checking or savings account. (See the terms and conditions for One-Time Payments.)

Payment Options:

New Balance: If you select this option, the Financial Institution will automatically deduct from your Deposit Account the New Balance reflected on your monthly billing statement.

Minimum Payment Due: If you select this option, the Financial Institution will automatically deduct from your Deposit Account the Minimum Payment Due reflected on your monthly billing statement.

Fixed Payment: If you select this option, the Financial Institution will automatically deduct from your Deposit Account the fixed dollar amount you specify, except: (1) if the Minimum Payment Due is greater than the fixed dollar amount, the Financial Institution will automatically deduct the Minimum Payment Due for that month; (2) if the New Balance is less than the fixed dollar amount, the Financial Institution will automatically deduct the New Balance for the month.

The Monthly Auto-Pay options described above will not consider any portion of the Total Account Balance that is part of any interest-free billing program unless that interest-free program requires that you make a minimum payment, or if the interest free program expires prior to the Payment Due Date.

Regardless of which Monthly Auto-Pay option you choose, you understand and agree that your Monthly Auto-Pay amount will be reduced by any payments you make to your account prior to the Payment Due Date as reflected on the account summary page and your monthly billing statement.

If you choose to pay less than the New Balance each month, your account may be subject to finance charges as described in your Cardholder Agreement.

You understand that the Financial Institution reserves the right to cancel your participation in Monthly Auto-Pay in its sole discretion and that the Financial Institution will provide you with at least 14 days written notice before cancellation.

I have read and understand the terms and conditions provided therein. I hereby authorize the Financial Institution to initiate automated clearing house (ACH) debit entries from my Deposit Account for the amount I have specified or otherwise required as provided above. I understand and agree that each ACH Debit to my Deposit Account will occur based on my monthly billing statement. I also agree that the terms of the attached Automatic Payments (Monthly Auto-Pay) Terms and Conditions apply and are incorporated into this authorization by reference. This authorization is to remain in effect until I terminate Monthly Auto-Pay by logging into Online Card Manager and clicking "Turn Auto-Pay Off" or by contacting Customer Service at (800) 854-7642. I understand that if I terminate my authorization, I must do so sufficiently in advance to allow Financial Institution to act upon my request during the current billing cycle (e.g., at least [5] days before my next scheduled Payment Due Date); otherwise, my termination will become effective with my next billing cycle.