Payment Terms & Conditions

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE 
You authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives. For Bill Payments only, if you choose to utilize a Payment Account that is a credit card account, you understand and acknowledge that the Service does not perform any identity verification on such credit card accounts. When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You certify that any Payment Account you add to your profile is an account from which you are authorized to make payments, and any payment you make using the Service will debit/charge a Payment Account that you are legally authorized to use. The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;
2. The Service"s payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
3. If, through no fault of the Service, a Biller that makes available to you split-payment functionality (in which your payment may be split and allocated in various ways that such Biller may offer) does not split and/or allocate the payment in accordance with your Payment Instruction;
4. You have not provided the Service with the correct Payment Account information; and/or
5. Circumstances beyond the control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) that prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.

PAYMENT METHODS 
The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods include, but are not limited to, an electronic payment, via ACH, debit cards and credit cards.

FAILED TRANSACTIONS 
In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, if there are insufficient funds in your Payment Account to cover the transaction), the transaction may not be completed.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS 
Your Biller will be performing customer care functions for the Service. Thus, if you believe there have been unauthorized transfers related to your Payment Account and/or Biller Account related to the Service, you should notify your Biller"s customer care department directly. If your monthly financial institution contains transfers through the Service that you did not authorize, you must tell your Biller at once. If you do not tell your Biller within ninety (90) days after the statement was sent to you, you may lose any amount transferred through the Service without your authorization after the ninety (90) days if we can prove that we could have stopped someone from taking the money had you told the Biller in time.

INFORMATION AUTHORIZATION 
You agree that the information you provide to the Service can go through a verification process. You agree that the Service reserves the right to obtain financial information regarding your Payment Account from your financial institution (for example, to resolve payment posting problems or for verification).

SERVICE FEES AND ADDITIONAL CHARGES 
Any fees associated with your Payment Account will continue to apply from the applicable financial institution or credit card issuer. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider in connection with your utilization of the Service, including but not limited to any text message fees associated with bill delivery by text message. When applicable, your Biller will add any applicable fees and/or charges for the Service to your Biller Account and you are responsible for payment of such fees and charges for your use of the Service.