Revised: December 2021
Skyline Financial Federal Credit Union - Terms and Conditions (Retain for your records)
Mobile Wallet Terms and Conditions
These Terms and Conditions (the “Terms”) apply when you choose to add a Skyline Financial Federal Credit Union Credit Card or Debit Card to a Mobile Wallet Service. In these Terms, “you”, “your”, “their”, and “my” refer to the cardholder of the Skyline Financial Federal Credit Union Card, and “we,” “us,” “our,” and Skyline Financial Federal Credit Union refer to the issuer of your Skyline Financial Federal Credit Union Card. By selecting the check box entitled “I have read, and I understand and agree to the Skyline Financial Federal Credit Union 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.
What is a Mobile Wallet Service?
A Mobile Wallet Service (“Wallet”) allows you to add your Skyline Financial Federal Credit Union Cards to an application using your Mobile Device. Your Skyline Financial Federal 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. Skyline Financial Federal 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 the Skyline Financial Federal Credit Union Card in the Wallet.
If a Skyline Financial Federal Credit Union Card or any underlying Skyline Financial Federal Credit Union account becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by Skyline Financial Federal Credit Union in its sole discretion; your Skyline Financial Federal Credit Union Card may be removed by Skyline Financial Federal Credit Union from the Wallet for continued use.
Skyline Financial Federal Credit Union Card accounts that are in good standing are eligible to be added to a Wallet.
Relationship to Other Agreements
You agree that when you add your Skyline Financial Federal Credit Union Card to a Wallet service, your Skyline Financial Federal Credit Union Card and account will remain subject to the terms and conditions of all existing agreements with Skyline Financial Federal Credit Union. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact 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 we may contact you via your mobile device for any purpose concerning your accounts at Skyline Financial Federal 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 are solely responsible for maintaining the confidentiality of your Mobile Wallet user-id, passwords, device passwords and any other means that you may use to securely access the Mobile Wallet on your device. If you share these credentials with anyone, that person may be able to use your Mobile Wallet to make purchases or obtain access to your personal and payment information available through the Mobile Wallet service.
You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet.
We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members.
Changes in these Terms and Conditions
Except as otherwise required by law, Skyline Financial Federal Credit Union may in its sole discretion change these terms, and modify or cancel the eligibility to use your Skyline Financial Federal Credit Union Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Skyline Financial Federal Credit Union Card(s) from the Wallet. Skyline Financial Federal Credit Union reserves the right to refuse any transaction for any reason.
Your Rights in Case of Errors of Disputes
If a problem arises with a product or service you purchased through a Wallet transaction, you should try to resolve the problem directly with the merchant; however, you may also have rights with respect to us under applicable law. For more information, please refer to your Credit Card Agreement. This describes your billing rights and your rights if you are dissatisfied with your credit card purchases.
Lost, Stolen or Unauthorized Use
You agree to notify us immediately if your Mobile Device has been lost or stolen, or if you believe your Wallet Service has been used without your permission. Please call the number on the back your card. You agree to assist us in our investigation. If you do, you will not be liable for the unauthorized use of your consumer credit card account.
You agree to receive notices and other communications from us concerning these Terms and your use of a Mobile Wallet Card by email to the email address we have on file for the Card account, by telephone at the telephone number you provide to us, by contacting you at the current address we have on file for you.
Exclusion of Warranties; Limitation of Liability; Indemnification
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A MOBILE WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND SKYLINE FINANCIAL FEDERAL CREDIT UNION IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. SKYLINE FINANCIAL FEDERAL CREDIT UNION MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET.