Mobile Wallet Service Terms and Conditions
ApplePay, Samsung Pay, Android Pay
These Terms and Conditions (“Terms”) apply when you choose to add your Red River Employees Credit Union Visa Debit/ATM Card (“Card”) to a Mobile Wallet Service. In these Terms, “I,” “you,” “your,” and “my” refer to the authorized cardholder of a Red River Employees Credit Union Visa Debit/ATM Card, and “we,” “us,” “our,” “Red River Credit Union,” and “Credit Union,” refer to the issuer of your Card, Red River Employees Credit Union. By using the Mobile Wallet Service, you understand and agree to these Mobile Wallet Service Terms and Conditions. You agree to all terms, conditions, and notices contained or referenced in these Terms and you are providing your express consent.
ABOUT THE MOBILE WALLET SERVICE
A Mobile Wallet Service (“Wallet”) allows you to add your Red River Credit Union Card(s) to an application using your Mobile Device. Your Credit Union Card number is replaced with a digital number or token. Once added, you understand that you may use your Mobile Device to make payments only where the Wallet is accepted. The Credit Union is not a provider of the Wallet and we are not responsible for any failure or inability to perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of your Red River Credit Union Card in the Wallet.
Active Red River Credit Union accounts that are in good standing with a Red River Credit Union Card are eligible to be added to a Wallet. If your Credit Union Card or any underlying Red River Credit Union loan or account becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by the Credit Union in its sole discretion, your Card may be removed by the Credit Union for continued use.
RELATIONSHIP TO OTHER AGREEMENTS
You agree that when you add your Red River Credit Union Card to a Wallet service, your Card and account will remain subject to the terms and conditions of all existing agreements with Red River Credit Union. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers, which might affect your use of the Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your accounts at Red River Credit Union, including account servicing and collection purposes.
ACCOUNT OWNERSHIP/ACCURATE INFORMATION
You represent that you are the legal owner of the account and other financial information, which may be accessed via the Wallet. You represent and agree that all information you provide in connection with the Wallet is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating the Wallet. You agree not to misrepresent your identity or your account information.
MEASURES TO MAINTAIN YOUR PRIVACY AND SECURITY
You agree to indemnify, defend, and hold Red River Credit Union harmless from and against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of your use of the Mobile Wallet Service, any negligent or intentional action or inaction, and/or any breach of the Terms and Conditions of this Agreement. You agree that this paragraph shall survive the termination of this Agreement for any reason.
CHANGES IN TERMS AND CONDITIONS
Except as otherwise required by law, Red River Credit Union may in its sole discretion change these terms, and modify or cancel the eligibility to use your Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Credit Union Card(s) from the Wallet. Red River Credit Union reserves the right to refuse any transaction for any reason.
EXCLUSION OF WARRANTIES; LIMITATION OF LIABILITY