Cardholder Agreement
IMPORTANT – PLEASE READ CAREFULLY
IMPORTANT – Be sure to provide the gift
Card recipient this Cardholder Agreement.
Terms and Conditions/Definitions for the
Visa® Gift Card
This document constitutes the agreement (“Agreement”) outlining the terms and
conditions under which the Visa Gift Card has been issued to you. By accepting
and using the Card, you agree to be bound by the terms and conditions contained
in this Agreement.
"Card" means the Visa Gift Card issued to you by Silverton Bank,
N.A. “Issuer” means Silverton Bank, N.A or its depository institution affiliate.
The Issuer is an FDIC insured member institution. “Card Account” means the
records we maintain to account for the value of claims associated with the
Card. "You" and "your" mean the person or persons who have
received the Card and are authorized to use the Card as provided for in this
Agreement. "We," "us," and "our" mean the Issuer,
our successors, affiliates or assignees. You acknowledge and agree that the
value available in the Card Account is limited to the funds that you have loaded
into the Card Account or have been loaded into the Card Account on your behalf.
You agree to sign the back of the Card immediately upon receipt. The expiration
date of the Card is identified on the front of your Card. The Card is a prepaid
card. The Card is not connected in any way to any other account. The Card is
not a credit card. The Card is not for resale. You will not receive any interest
on your funds in the Card Account. The Card will remain the property of the
Issuer and must be surrendered upon demand. The Card is nontransferable and
it may be canceled, repossessed, or revoked at any time without prior notice
subject to applicable law. Our business days are Monday through Friday, excluding
federal holidays, even if we are open. Write down your Card number and the
customer service phone number provided in this Agreement on a separate piece
of paper in case your Card is lost, stolen, or destroyed. Please read this
Agreement carefully and keep it for future reference.
Authorized Users
You are responsible for all authorized transactions initiated and fees incurred
by use of your Card. If you permit another person to have access to your Card
or Card number, we will treat this as if you have authorized such use and you
will be liable for all transactions
and fees incurred
by those persons. You are wholly responsible for the use of each Card according
to the terms and conditions of this Agreement.
Secondary Cardholder
You may not request an additional Card for another person.
Personal Identification Number
You will not receive a Personal Identification Number (“PIN”) with your Card.
Cash Access
You may not use your Card to obtain cash from an Automated Teller Machine (“ATM”),
Point-of-Sale (“POS”) device, or by any other means. You may not use your Card
at an ATM.
Loading Your Card
Additional funds may not be added to your Card, called “value loading”. Your
Card is non-reloadable.
Using Your Card/Features
The maximum amount that can be spent on your Card per day is $250.00. The maximum
value of your Card is restricted to $250.00. You may use your Card to purchase
or lease goods or services wherever Visa debit cards are accepted as long as
you do not exceed the value available on your Card Account. Some merchants
do not allow cardholders to conduct split transactions where you would use
the Card as partial payment for goods and services and pay the remainder of
the balance with another form of legal tender.
If you use your Card at an automated fuel dispenser (“pay at the pump”), the
merchant may preauthorize the transaction amount up to $75 or more. If your Card is declined, even though you have sufficient
funds available, pay for your purchase inside with the cashier. If you use
your Card at a restaurant, a hotel, for a car rental purchase, or for similar
purchases, the merchant may preauthorize the transaction amount for the purchase
amount plus up to 20% or more to ensure there are sufficient funds available
to cover tips or incidental expenses incurred. Any preauthorization amount
will place a “hold” on your available funds until the merchant sends us the
final payment amount of your purchase.
Once the final payment amount is received, the preauthorization amount on hold
will be removed. It may take up to seven (7) days for the hold to be removed.
During the hold period, you will not have access to the preauthorized amount.
If you use your Card number without presenting your Card (such as for a mail
order, telephone, or Internet purchase), the legal effect will be the same
as if you used the Card itself. For security reasons, we may limit the amount
or number of transactions you can make on your Card. Your Card cannot be redeemed
for cash. You may not use your Card for online gambling or any illegal transaction.
Each time you use your Card, you authorize us to reduce the value available
in your Card Account by the amount of the transaction and any applicable fees.
You are not allowed to exceed the available amount in your Card Account through
an individual transaction or a series of transactions. Nevertheless, if a transaction
exceeds the balance of the funds available on your Card, you shall remain fully
liable to us for the amount of the transaction and any applicable fees.
You do not have the right to stop payment on any purchase or payment transaction
originated by use of your Card. You may not make preauthorized regular payments
from your Card Account. If you authorize a transaction and then fail to make
a purchase of that item as planned, the approval may result in a hold for that
amount of funds for up to thirty (30) days. All transactions relating to car
rentals may result in a hold for that amount of funds for up to sixty (60)
days.
Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained
with your Card, you agree to accept credits to your Card for such refunds and
agree to the refund policy of that merchant. If you have a problem with a purchase
that you made with your Card, or if you have a dispute with the merchant, you
must handle it directly with the merchant.
Charges Made In Foreign Currencies
If you make a purchase in a currency other than the currency in which your
Card was issued, the amount deducted from your funds will be converted by Visa
U.S.A. Inc. into an amount in the currency of your Card. The exchange rate
between the transaction currency and the billing currency used for processing
international transactions is a rate selected by Visa U.S.A. Inc. from the
range of rates available in wholesale currency markets for the applicable central
processing date, which may vary from the rate Visa U.S.A. Inc. itself receives,
or the government-mandated rate in effect for the applicable central processing
date. If you make a purchase in a currency other than the currency in which
your Card was issued, the Issuer may assess a foreign currency conversion fee
of 2.5% of the transaction amount and will retain this amount as compensation
for its services.
Receipts
You should get a receipt at the time you make a transaction using your Card.
You agree to retain, verify, and reconcile your transactions and receipts.
Card Account Balance/Periodic Statements
You are responsible for keeping track of your Card Account available balance.
Merchants generally will not be able to determine your available balance. It’s
important to know your available balance before making any transaction. You
may access your available balance by accessing your Card Account online at
www.giftcardlab.com or by calling 1-888-799-0028. Statements in electronic
format will be available free of charge at www.giftcardlab.com 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 contacting
us each time at 1-888-799-0028.
Fee Schedule
All fee amounts will be withdrawn from your Card Account and will be assessed
as long as there is a remaining balance on your Card Account, except where
prohibited by law. Anytime your remaining Card Account balance is less than
the fee amount being assessed, the balance of your Card Account will be applied
to the fee amount.
• Enrollment Fee:
$0.00 up to $7.95 (one-time fee)
• Monthly Maintenance Fee:
$4.95 (per month beginning on the 7th month from the day of purchase
except where prohibited by law)
• Replacement Card Fee:
$15.00 (per Card; when Card is reissued or replaced for any reason)
• Customer Service Fee:
$1.00 per call to a live customer service agent
• Card Account Liquidation Fee: $15.00
(charged if a check is issued for funds on your Card Account)
This fee schedule is effective as of 01/01/2008 and is subject to change upon
notice in accordance with applicable law.
Confidentiality
We may disclose information to third parties about your Card or the transactions
you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of your Card for a third
party, such as merchant;
(3) In order to comply with government agency, court order, or other legal
reporting requirements;
(4) If you give us your written permission; or
(5) To our employees, auditors, affiliates, service providers, or attorneys
as needed.
Our Liability for Failure to Complete Transactions
If we do not properly complete a transaction from your Card on time or in the
correct amount according to our Agreement with you, we will be liable for your
losses or damages. However, there are some exceptions. We will not be liable,
for instance:
(1) If through no fault of ours, you do not have enough funds available on
your Card to complete the transaction; (2) If a merchant refuses to accept
your Card; (3) If an electronic terminal where you are making a transaction
does not operate properly, and you knew about the problem when you initiated
the transaction; (4) If access to your Card has been blocked after you reported
your Card lost or stolen; (5) If there is a hold or your funds are subject
to legal process or other encumbrance restricting their use; (6) If we have
reason to believe the requested transaction is unauthorized; (7) If circumstances
beyond our control (such as fire, flood, or computer or communication failure)
prevent the completion of the transaction, despite reasonable precautions that
we have taken; or (8) Any other exception stated in our Agreement with you.
Your Liability for Unauthorized Transfers
Contact us at once if you believe your Card has been lost or stolen. Telephoning
is the best way to minimize your possible losses. If you believe your Card
has been lost or stolen, or that someone has transferred or may transfer money
from your Card Account without your permission, call us at 1-888-799-0028.
Under Visa U.S.A.
Operating Regulations, your liability for unauthorized Visa transactions on
your Card Account is $0 if you notify us promptly and you are not grossly negligent
or fraudulent in the handling of your Card. If you notify us within two (2)
business days, you can lose no more than $50 if someone used your Card without
your permission. If you do not notify us within two (2) business days after
you learn of the loss or theft of your Card and we can prove that we could
have stopped someone from using your Card without your permission if you had
promptly notified us, you could lose as much as $500. Also, if you become aware
of and/or your statement shows transactions that you did not make, notify us
at once. If you do not notify us within sixty (60) days after you become aware
of the transaction and/or after the statement was made available to you, you
may not get back any value you lost after the sixty (60) days if we can prove
that we could have stopped someone from taking the value if you had notified
us in time and you are grossly negligent or fraudulent in the handling of your
Card. If your Card has been lost or stolen, we will close your Card Account
to keep losses down.
Other Terms
Your Card and your
obligations under this Agreement may not be assigned. We may transfer our rights
under this Agreement. Use of your Card is subject to all applicable rules and
customs of any clearinghouse or other association involved in transactions.
We do not waive our rights by delaying or failing to exercise them at anytime.
If any provision of this Agreement shall be determined to be invalid or unenforceable
under any rule, law, or regulation of any governmental agency, local, state,
or federal, the validity or enforceability of any other provision of this Agreement
shall not be affected. This Agreement will be governed by the law of the State
of
Georgia
except to the extent governed by federal law.
Amendment and Cancellation
We may amend or change the terms and conditions of this Agreement at any time.
You will be notified of any change in the manner provided by applicable law
prior to the effective date of the change. However, if the change is made for
security purposes, we can implement such change without prior notice. We may
cancel or suspend your Card or this Agreement at any time. You may cancel this
Agreement by returning the Card to us. Your termination of this Agreement will
not affect any of our rights or your obligations arising under this Agreement
prior to termination.
Information About
Your Right to Dispute Errors
In case of errors or questions about your electronic transactions, call 1-888-799-0028
or write to Cardholder Services, 5711-15 Bowden Road #380,
Jacksonville
, FL. 32216-0982 if you think your statement or receipt is wrong or if you
need more information about a transaction listed on the statement or receipt.
You must contact us no later than sixty (60) days after the FIRST statement
was made available to you on which the problem or error appeared.
1. Provide your name and Card number (if any).
2. Describe the error or the transaction you are unsure about, and explain
why you believe it is an error or why you need more information.
3. Provide the dollar amount of the suspected error.
If you provide this information orally, we may require that you send your complaint
or question in writing within ten (10) business days. We will determine whether
an error occurred within ten (10) business days after we hear from you and
will correct any error promptly. If we need more time, however, we may take
up to forty five (45) days to investigate your complaint or question. If we
decide to do this, we will credit your Card within ten (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 to complete the investigation. If we ask you to put
your complaint or question in writing and you do not provide it within ten
(10) business days, we may not credit your Card. For errors involving new Cards,
POS transactions, or foreign-initiated transactions, we may take up to ninety
(90) days to investigate your complaint or question. We will tell you the results
within three (3) business days after completing the investigation. If we decide
that there was no error, we will send you a written explanation. Copies of
the documents used in the investigation may be obtained by contacting us at
the phone number or address listed at the beginning of this section.
Escheatment
Card Accounts that are inactive for a period of time may be considered to be
dormant and are subject to escheat. Each state has varying laws as to when
a Card Account is subject to escheat and the issuer may be required to send
the funds to the state of the last known address. If applicable, we will make
all reasonable efforts to contact you before transferring your Card Accounts(s)
to an applicable state. For Card Accounts with international addresses, the
funds will be transferred to the state of
Georgia
.
English Language Controls
Any translation of this Agreement is provided for your convenience. The meanings
of terms, conditions and representations herein are subject to definitions
and interpretations in the English language. Any translation provided may not
accurately represent the information in the original English.
Customer Service
For customer service or additional information regarding your Card, please
contact us at:
Visa Gift Card
5711-15
Bowden Road #380
Jacksonville,
FL 32216-0982
1-888-799-0028
Revision Date 07/2008
Cardholder Agreement
IMPORTANT – PLEASE READ CAREFULLY
IMPORTANT – Be sure to provide the gift Card
recipient this Cardholder Agreement.
Terms and Conditions/Definitions for the Visa® Gift Card
This document constitutes the
agreement (“Agreement”) outlining the terms and conditions under which the Visa
Gift Card has been issued to you. By accepting and using the Card, you agree to
be bound by the terms and conditions contained in this Agreement.
"Card" means the Visa Gift Card issued
to you by The Bancorp Bank, Wilmington,
Delaware. “Issuer” means The Bancorp Bank or
its depository institution affiliate. The Issuer is an FDIC insured member
institution. “Card Account” means the records we maintain to account for the
value of claims associated with the Card. "You" and "your" mean the person or
persons who have received the Card and are authorized to use the Card as
provided for in this Agreement. "We," "us," and "our" mean the Issuer, our
successors, affiliates or assignees. You acknowledge and agree that the value
available in the Card Account is limited to the funds that you have loaded into
the Card Account or have been loaded into the Card Account on your behalf. You
agree to sign the back of the Card immediately upon receipt. The expiration date
of the Card is identified on the front of your Card. The Card is a prepaid card.
The Card is not connected in any way to any other account. The Card is not a
credit card. The Card is not for resale. You will not receive any interest on
your funds in the Card Account. The Card will remain the property of the Issuer
and must be surrendered upon demand. The Card is nontransferable and it may be
canceled, repossessed, or revoked at any time without prior notice subject to
applicable law. Our business days are Monday through Friday, excluding federal
holidays, even if we are open. Write down your Card number and the customer
service phone number provided in this Agreement on a separate piece of paper in
case your Card is lost, stolen, or destroyed. Please read this Agreement
carefully and keep it for future reference.
Authorized Users
You are responsible for all authorized
transactions initiated and fees incurred by use of your Card. If you permit
another person to have access to your Card or Card number, we will treat this as
if you have authorized such use and you will be liable for all transactions and
fees incurred by those persons. You are wholly responsible for the use of each
Card according to the terms and conditions of this Agreement.
Secondary Cardholder
You may not request an additional Card
for another person.
Personal Identification Number
You will not receive a Personal
Identification Number (“PIN”) with your Card.
Cash Access
You may not use your Card to obtain
cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, or
by any other means. You may not use your Card at an ATM.
Loading Your Card
Additional funds may not be added to
your Card, called “value loading”. Your Card is non-reloadable.
Using Your Card/Features
The maximum amount that can be spent
on your Card per day is the available balance. The maximum value of your Card is
limited up to $2500.00. You may use your Card to purchase or lease goods or
services wherever Visa debit cards are accepted as long as you do not exceed the
value available on your Card Account. Some merchants do not allow cardholders to
conduct split transactions where you would use the Card as partial payment for
goods and services and pay the remainder of the balance with another form of
legal tender.
If you use your Card at an automated
fuel dispenser (“pay at the pump”), the merchant may preauthorize the
transaction amount up to $75 or more. If your Card is declined, even though you
have sufficient funds available, pay for your purchase inside with the cashier.
If you use your Card at a restaurant, a hotel, for a car rental purchase, or for
similar purchases, the merchant may preauthorize the transaction amount for the
purchase amount plus up to 20% or more to ensure there are sufficient funds
available to cover tips or incidental expenses incurred. Any preauthorization
amount will place a “hold” on your available funds until the merchant sends us
the final payment amount of your purchase.
Once the final payment amount is
received, the preauthorization amount on hold will be removed. It may take up to
seven (7) days for the hold to be removed. During the hold period, you will not
have access to the preauthorized amount.
If you use your Card number without
presenting your Card (such as for a mail order, telephone, or Internet
purchase), the legal effect will be the same as if you used the Card itself. For
security reasons, we may limit the amount or number of transactions you can make
on your Card. Your Card cannot be redeemed for cash. You may not use your Card
for online gambling or any illegal transaction.
Each time you use your Card, you
authorize us to reduce the value available in your Card Account by the amount of
the transaction and any applicable fees. You are not allowed to exceed the
available amount in your Card Account through an individual transaction or a
series of transactions. Nevertheless, if a transaction exceeds the balance of
the funds available on your Card, you shall remain fully liable to us for the
amount of the transaction and any applicable fees.
You do not have the right to stop
payment on any purchase or payment transaction originated by use of your Card.
You may not make preauthorized regular payments from your Card Account. If you
authorize a transaction and then fail to make a purchase of that item as
planned, the approval may result in a hold for that amount of funds for up to
thirty (30) days. All transactions relating to car rentals may result in a hold
for that amount of funds for up to sixty (60) days.
Returns and Refunds
If you are entitled to a refund for
any reason for goods or services obtained with your Card, you agree to accept
credits to your Card for such refunds and agree to the refund policy of that
merchant. If you have a problem with a purchase that you made with your Card, or
if you have a dispute with the merchant, you must handle it directly with the
merchant.
Charges Made In Foreign Currencies
If you make a purchase in a currency
other than the currency in which your Card was issued, the amount deducted from
your funds will be converted by Visa U.S.A. Inc. into an amount in the currency
of your Card. The exchange rate between the transaction currency and the billing
currency used for processing international transactions is a rate selected by
Visa U.S.A. Inc. from the range of rates available in wholesale currency markets
for the applicable central processing date, which may vary from the rate Visa
U.S.A. Inc. itself receives, or the government-mandated rate in effect for the
applicable central processing date. If you make a purchase in a currency other
than the currency in which your Card was issued, the Issuer may assess a foreign
currency conversion fee of 2.5% of the transaction amount and will retain this
amount as compensation for its services.
Receipts
You should get a receipt at the time
you make a transaction using your Card. You agree to retain, verify, and
reconcile your transactions and receipts.
Card Account Balance/Periodic Statements
You are responsible for keeping track
of your Card Account available balance. Merchants generally will not be able to
determine your available balance. It’s important to know your available balance
before making any transaction. You may access your available balance by
accessing your Card Account online at www.giftcardlab.com or by calling
1-888-799-0028. Statements in electronic format will be available free of charge
at www.giftcardlab.com 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 contacting us each time at 1-888-799-0028.
Fee Schedule
All fee amounts will be withdrawn from
your Card Account and will be assessed as long as there is a remaining balance
on your Card Account, except where prohibited by law. Anytime your remaining
Card Account balance is less than the fee amount being assessed, the balance of
your Card Account will be applied to the fee amount.
• Enrollment Fee: $0.00 up to $7.95
(one-time fee)
• Monthly Maintenance Fee: $4.95 (per month beginning on the seventh (7th) month from
the day of purchase except where prohibited by law)
• Replacement Card Fee: $15.00 (per
Card; when Card is reissued or replaced for any reason)
• Customer Service Fee: $1.00 per call
to a live customer service agent
• Card Account Liquidation Fee: $15.00
(charged if a check is issued for funds on your Card Account)
This fee schedule is effective as of
01/01/2008 and is subject to change upon notice in accordance with applicable
law.span style="mso-spacerun:yes">
Confidentiality
We may disclose information to third
parties about your Card or the transactions you make:
(1) Where it is necessary for
completing transactions;
(2) In order to verify the existence
and condition of your Card for a third party, such as merchant;
(3) In order to comply with government
agency, court order, or other legal reporting requirements;
(4) If you give us your written
permission; or
(5) To our employees, auditors,
affiliates, service providers, or attorneys as needed.
Our Liability for Failure to Complete Transactions
If we do not properly complete a
transaction from your Card on time or in the correct amount according to our
Agreement with you, we will be liable for your losses or damages. However, there
are some exceptions. We will not be liable, for instance:
(1) If through no fault of ours, you
do not have enough funds available on your Card to complete the transaction; (2)
If a merchant refuses to accept your Card; (3) If an electronic terminal where
you are making a transaction does not operate properly, and you knew about the
problem when you initiated the transaction; (4) If access to your Card has been
blocked after you reported your Card lost or stolen; (5) If there is a hold or
your funds are subject to legal process or other encumbrance restricting their
use; (6) If we have reason to believe the requested transaction is unauthorized;
(7) If circumstances beyond our control (such as fire, flood, or computer or
communication failure) prevent the completion of the transaction, despite
reasonable precautions that we have taken; or (8) Any other exception stated in
our Agreement with you.
Your Liability for Unauthorized Transfers
Contact us at once if you believe your
Card has been lost or stolen. Telephoning is the best way to minimize your
possible losses. If you believe your Card has been lost or stolen, or that
someone has transferred or may transfer money from your Card Account without
your permission, call us at 1-888-799-0028. Under Visa U.S.A. Operating
Regulations, your liability for unauthorized Visa transactions on your Card
Account is $0 if you notify us promptly and you are not grossly negligent or
fraudulent in the handling of your Card. If you notify us within two (2)
business days, you can lose no more than $50 if someone used your Card without
your permission. If you do not notify us within two (2) business days after you
learn of the loss or theft of your Card and we can prove that we could have
stopped someone from using your Card without your permission if you had promptly
notified us, you could lose as much as $500. Also, if you become aware of and/or
your statement shows transactions that you did not make, notify us at once. If
you do not notify us within sixty (60) days after you become aware of the
transaction and/or after the statement was made available to you, you may not
get back any value you lost after the sixty (60) days if we can prove that we
could have stopped someone from taking the value if you had notified us in time
and you are grossly negligent or fraudulent in the handling of your Card. If
your Card has been lost or stolen, we will close your Card Account to keep
losses down.
Other Terms
Your Card and your obligations under
this Agreement may not be assigned. We may transfer our rights under this
Agreement. Use of your Card is subject to all applicable rules and customs of
any clearinghouse or other association involved in transactions. We do not waive
our rights by delaying or failing to exercise them at anytime. If any provision
of this Agreement shall be determined to be invalid or unenforceable under any
rule, law, or regulation of any governmental agency, local, state, or federal,
the validity or enforceability of any other provision of this Agreement shall
not be affected. This Agreement will be governed by the law of the State of Georgia
except to the extent governed by federal law.
Amendment and Cancellation
We may amend or change the terms and
conditions of this Agreement at any time. You will be notified of any change in
the manner provided by applicable law prior to the effective date of the change.
However, if the change is made for security purposes, we can implement such
change without prior notice. We may cancel or suspend your Card or this
Agreement at any time. You may cancel this Agreement by returning the Card to
us. Your termination of this Agreement will not affect any of our rights or your
obligations arising under this Agreement prior to termination.
Information About Your Right to Dispute Errors
In case of errors or questions about
your electronic transactions, call 1-888-799-0028 or write to Cardholder
Services, 5711-15 Bowden Road #380, Jacksonville, FL 32216-0982 if you think
your statement or receipt is wrong or if you need more information about a
transaction listed on the statement or receipt. You must contact us no later
than sixty (60) days after the FIRST statement was made available to you on
which the problem or error appeared.
1. Provide your name and Card number
(if any).
2. Describe the error or the
transaction you are unsure about, and explain why you believe it is an error or
why you need more information.
3. Provide the dollar amount of the
suspected error.
If you provide this information
orally, we may require that you send your complaint or question in writing
within ten (10) business days. We will determine whether an error occurred
within ten (10) business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to forty five (45) days
to investigate your complaint or question. If we decide to do this, we will
credit your Card within ten (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 to
complete the investigation. If we ask you to put your complaint or question in
writing and you do not provide it within ten (10) business days, we may not
credit your Card. For errors involving new Cards, POS transactions, or
foreign-initiated transactions, we may take up to ninety (90) days to
investigate your complaint or question. We will tell you the results within
three (3) business days after completing the investigation. If we decide that
there was no error, we will send you a written explanation. Copies of the
documents used in the investigation may be obtained by contacting us at the
phone number or address listed at the beginning of this section.
Escheatment
Card Accounts that are inactive for a
period of time may be considered to be dormant and are subject to escheat. Each
state has varying laws as to when a Card Account is subject to escheat and the
issuer may be required to send the funds to the state of the last known address.
If applicable, we will make all reasonable efforts to contact you before
transferring your Card Accounts(s) to an applicable state. For Card Accounts
with international addresses, the funds will be transferred to the state of Georgia.
English Language Controls
Any translation of this Agreement is
provided for your convenience. The meanings of terms, conditions and
representations herein are subject to definitions and interpretations in the
English language. Any translation provided may not accurately represent the
information in the original English.
Customer Service
For customer service or additional
information regarding your Card, please contact us at:
Visa Gift Card
5711-15 Bowden Road #380
Jacksonville,
FL 32216-0982
1-888-799-0028
Revision Date 07/2008
OUR PRIVACY NOTICE
Your Visa Gift Card
account is operated by The Bancorp Bank and subscribes to The Bancorp Bank's privacy policy.
The Bancorp
Bank values each and every customer relationship. Customers such as you have
entrusted us not only with your finances, but also with your personal
information. To protect and maintain this relationship, we've adopted a privacy policy to maintain the
confidentiality of the information you have shared with us.
We recognize your
expectations for the responsible use and protection of your information and your
right to privacy. To this end, The Bancorp Bank will maintain standards to
reasonably ensure that your information is private and secure at all times. This
notice will describe how your information is used, protected, and the benefits
such use provides to you.
How we use,
collect, and retain information about you.
Your relationship is
important to us and we're committed
to providing you with the best service possible. To do that, we gather
information from a variety of sources to keep you informed about the many
financial services, products, and benefits available to you as a The Bancorp
Bank customer and to provide you the ability to manage your finances most
effectively. For example, we collect information from the following sources:
1.
From you whether in writing on applications, by telephone, electronically or by
any other means. This information may include your name, address, employment
information, and income;
2.
Transactions with others or us. This information may include your account
balances, payment history and account usage;
3.
Consumer reporting agencies. This information may include account information
and information about your creditworthiness and credit history; and,
4.
Public sources. This information may include real estate records and telephone
numbers.
If you end your customer
relationship with us or become an inactive customer, we will treat the
information we have about you as if you were still our customer.
Responsible
use of information provides customer benefits.
The information we collect
provides significant benefits to you, our customer. This information:
1.
Enables us to better understand your financial needs;
2.
Assists us as we improve products and enhance customer service;
3.
Allows us to comply with laws and regulations; and
4.
Helps us protect you against fraud.
We will
maintain accurate information about you.
We continually strive to
maintain complete and accurate information about you and your accounts. Should
you ever believe that our records contain inaccurate or incomplete information
about you, please call us at 1-877-554-2339. We
will investigate your concerns and correct any inaccuracies.
We will
maintain a security program to protect your information.
We are committed to the
security of your financial and personal information. We safeguard information
according to established security standards and procedures, and we continually
assess new technology for protecting information. We restrict access of personal
information about you to those employees who need to know that information to
provide products or services to you. Our employees are trained to understand and
comply with these information principles.
We maintain physical, electronic, and procedural safeguards that comply
with federal regulations to guard your non-public personal information. You may view our Security policy on
our website which provides additional detail.
Restrictions
on disclosing your personal account information to outsiders.
We will not share your confidential information with any company or third party
except as required or permitted by law. This means, for example, that we can
disclose your confidential information:
·
To third parties that help us provide products or services to you, such as
companies that print your checks, data processors that work for the Bank, mail
companies, or software vendors;
·
To third parties that assist us in marketing accounts and services; to other
financial institutions with which we have joint marketing agreements to enhance
our financial product or service offerings;
·
To investors or other financial institutions that purchase loans from us;
·
To consumer reporting agencies;
·
To third parties that process or service a financial product, service or
transaction that you requested or authorized;
·
To respond to a subpoena, court order or judicial process; to pursue a sale,
merger, or transfer of all or a portion of a business or operating unit; to our
regulators and auditors; to protect against or prevent fraud, manage risk, or
resolve customer disputes;
·
To a third party to whom you specifically authorize us to share the information.
Whenever other companies or third parties provide services for us or on our
behalf, we require them by contract to maintain the appropriate safeguards to
ensure the security and the confidentiality of the information that we provide
them.
Because certain disclosures of confidential information are specifically
required or permitted by law, we can make these disclosures even if you prefer
we do not do so. Therefore, you do not have to respond to this notice in any
way.
We will
maintain your privacy in business relationships with non-related third parties.
If we do provide customer
information to a third party, we will insist, through a written agreement, that
the third party adheres to similar privacy principles to those that The Bancorp
Bank adheres to for keeping this information confidential.
Disclosing our
privacy commitment to you.
At The Bancorp Bank, we value our
customer relationships. We want you to understand how we use the information you
provide and our commitment to ensuring your personal privacy. If you have any
questions about how The Bancorp Bank protects your confidential information,
please contact us at 1-877-554-2339.
Use of Cookies
Our web
site may use a feature of your Internet browser called a cookie.
A cookie is a piece of information which a web server may place on your computer
when you visit a web site.
The use of cookies is to facilitate your Internet session, to maintain security and to
improve the user experience. For example, we use cookies to verify your
identity, remember your personal settings such as your offer preferences, and to
monitor your use of our website to improve our services. If you choose not to
enable cookies on your browser, you will not be able to use some of the services
offered on our web site.
Children’s Privacy
We do not knowingly collect or use personal
information from children under 13 without verifiable consent from their
parents.
Member FDIC