ROOSEVELT ROADS SAVINGS AND CREDIT UNION
Online Coop Service, Your Mobile Account, and Bill Payments
Disclosure and Use Agreement
(Terms and Conditions)
ONLINE COOP SERVICE AGREEMENT, YOUR MOBILE ACCOUNT, AND BILL PAYMENTS
1. General dispositions
This agreement establishes the terms and conditions that govern the services' use and the carrying out of transactions through Coop Online, Your Mobile Account, and Bill Payments for consumers. By completing the online registration process, you will have confirmed that you have reviewed and approved the terms of this agreement (from now on referred to as the "Service Agreement") provided electronically. Also, you agree that all future notices, notifications, disclosures, statements, and any communication related to Coop Online services, Your Mobile Account, and Credit Union Bill Payments may be provided to you in electronic format. Using the services mentioned above, and accessing an account through them, constitutes an additional confirmation of your acceptance of the terms and conditions and your compliance with them. By completing the registration process, you acknowledge and agree to have received the notification documents.
It is your sole responsibility to provide the Credit Union with your correct contact information, including a valid email address. Providing incorrect information could result in unauthorized transactions on your account and delays in accessing Coop Online services, Your Mobile Account, and Bill Payments. The Credit Union is not responsible for delays in Coop Online services, Your Mobile Account, and Bill Payments that may be caused by you providing incorrect contact information.
Unless otherwise specified in the Coop Online Service Agreement, Your Mobile Account, and Bill
Payments, the following terms are used with the general purposes provided here:
a) Accounts - In general, it includes any financial relationship between member and client and the Credit Union, which is accessible through the services of Coop Online, Your Mobile Account, and Bill Payments. Generally, it includes business personal deposit accounts, business loans, credit lines, and some other financial relationships. For this agreement's purposes, not all the accounts mentioned above will be accessible through Coop Online services, Your Mobile Account, and Bill Payments.
b) Clients- Includes a Depositor with a commercial account in the Credit Union, a Commercial client.
It includes, without being understood, a limitation to the following persons: owner, authorized representatives, main shareholders, drivers, and any natural or legal person related to the entity, organization, or business.
c) You and Your Terms- For this agreement, the terms "you" and "your" refer to the Depositor or Commercial client user of Coop Online, Your Credit Union Mobile Account "we" and "our" refers to the Roosevelt Roads Credit Union.
d) Business Day- Includes the days from Monday to Friday and excludes Saturdays, Sundays, and local and federal holidays.
e) Online Coop Service, Your Mobile Account, and Bill Payments- Generally, it includes all the Credit Union's Internet app services and components. Subject to the Credit Union's security measures, it provides commercial customer access through the Internet to choose from various financial services. As a rule, the customer will need a personal computer or some other electronic device with Internet access, which meets a minimum of the system requirements detailed in Section
9. Available Services. Unless otherwise specified in this Service Agreement, the Online Credit Union's services typically include the Bill Pay service module. This service allows Depositors to verify their balances and transactions, make transfers and payments online, and manage other functions and endowments related to business accounts.
f) Linked accounts of the Credit Union- Refers to all the Credit Union accounts that you have linked to the Coop Online services, Your Mobile Account, and Bill Payments.
g) Electronic Statements ("E-Statements and Merchant Statements")- Online Coop tool through which Depositors may choose to receive their statements electronically ("E-statements"). Depositors may search for the “options” button in the menu, select the E-statement option, and select the accounts to view. When we submit E-statements, we also send an email to let you know that the information is available for your review on Coop Online. To receive these notifications, you must have a valid email address. Electronic statements are offered in PDF. To view, print, or save copies of your reports, you will need to ensure that the computer or device has a PDF document reader. By choosing this option, you will no longer receive paper statements for your account.
h) Invoice Payment Service- Online Coop Module allows Depositors to make payments online through our Online Coop Service.
i) Transfers- Online Coop feature that enables Depositors to transfer funds through Online Coop.
There are two (2) types of transfers: transfers between a Depositor's Credit Union account and transfers between Credit Union accounts. To transfer between different Depositors' accounts, you must meet specific requirements and complete a form in our branch offices.
j) Alerts & Notifications- Online Coop module allows Depositors to configure alerts related to the account and receive notifications about essential activities in the account, such as security, transaction, and fraud alerts. Some alerts, such as those related to balances and transactions,
must be configured by the Depositor. Notifications of confirmation of deposits, transfers, payments, and fraud alerts are not activated automatically.
k) Authorized Persons- Refers to the primary signatory or the business's authorized representative.
3. Collection and Use of information
When enrolling in Coop Online, Your Mobile Account, and Bill Payments, you must accept the terms and conditions, select the account opening's branch office, and enter the account and social security numbers. You will also be required to enter your name, initial, surname, postal address, date of birth, username and password, telephone number, email, and press the button to submit. This information will only validate that you are requesting access to Coop Online at the registration time. After the Credit Union validates the data, the account will be activated.
4. Access limits to Coop Online services
Access to Coop Online, Your Mobile Account, and Bill Payments provides you with information about your deposit accounts, loans, utility bill payment methods, etc. The modules' services will also depend on the products you have available and may have the right to access.
5. Relationship with other agreements
Your use of the Online Coop Services described in this Service Agreement may also be affected by a
Deposit Agreement or additional agreement between us and your Credit Union's linked accounts.
By linking an account to the Credit Union's Electronic Services, you will not change the agreements you already have with us concerning that account. For example, if you link a checking account to Coop Online, the terms and conditions of your Depositor agreement (s) and User Agreement (s) for your checking account will not change.
Therefore, review the agreements and charges tables related to the Credit Union's accounts for information on any applicable charges, limits on the number of transactions, rules of responsibility for electronic transfers, and other restrictions that could affect your use of an account through the Credit Union's Electronic Services.
If there is any conflict between this Service Agreement and the specific agreements for each account, the affected account's agreement will control. You hereby agree to maintain and use the Credit Union's Electronic Services following the terms and conditions established in this Service Agreement, as well as those that govern each of your accounts, which may include but are not limited to, payment of charges related to the use and maintenance of said accounts.
6. Deletion of Users
Removing users from Coop Online, Your Mobile Account, and Bill Payments will permanently erase their personal information from the Coop Online system. If you are interested in acquiring the services of Coop Online in the future, the Credit Union does not guarantee that your username will be available. User deletion cannot be reversed once the process is complete. This includes all pending, future, and recurring transactions, including transfers and payments. However, it will not affect transactions that have been
made and sent to the central processor. After deleting the user information, you will be able to request access again.
7. Electronic Communications
The Law on Electronic Signatures in Global and International Commerce (E-Sign-Electronic Signatures in Global and National Commerce Act) allows us to deliver electronically, after obtaining your affirmative consent, all notices and notification documents related to Coop Online services, Your Mobile Account, and Bill Payments, and thus comply with statutes or regulations that require providing such information in writing.
i. You acknowledge and agree that the terms and conditions of this Online Coop Service Agreement, Your Mobile Account, and Bill Payments are being delivered to you electronically. Any acceptance of such terms and conditions by you constitutes consent of such terms and conditions, as well as acknowledgment of receipt of applicable disclosures and acknowledging receipt of disclosures. Your consent will also apply to anyone named on your account, product, or service.
ii. You agree that all future notifications about Coop Online services, Your Mobile Account, and Bill Payments will be sent electronically to the email address you have provided during the registration process.
b) Right to revoke your consent
i. For the Coop Online services, Your Mobile Account, and Bill Payments, if you withdraw your consent, the Credit Union may stop providing electronic communications. We may terminate your access to the Coop Online services, Your Mobile Account, and Bill Payments. The revocation of consent will be effective once you have canceled the subscription. Your consent will remain in effect until revoked in the manner described in this section.
c) Right to receive documents
i. You may print or make a copy of our communications by using the "Print" button (or by using its print functionality in some way) or by saving a copy. Please do this as soon as you review the communications because we do not necessarily keep them in a place where you can access it once submitted. Upon request, we will send you a paper copy of any communication sent to you electronically. To request a paper copy, you can visit the Credit Union. In such a case, the charges will apply, if any, identified in the service disclosures.
d) Notification of changes
If your email address or any other contact information changes, you must notify us of such modifications immediately, using one of the following methods:
i. Within the Coop Online module, Your Mobile Account, and Bill Payments, there is an option for email changes or by calling the Credit Union and indicating the contact information changes.
Suppose you stop updating or changing your email address or other contact information. In that case, you understand and accept that the communications will be considered as sent to you, provided that they have been sent through the Credit Union's electronic service or by mail to the address registered for you.
e) Hardware and software requirements
Before accepting the electronic submission of informational documents, you must verify that you have the hardware and software necessary to access the system and extract documents and disclosures in electronic format. The minimum system requirements that you will need to meet are as follows:
i. Online Coop
• A computer and an Internet browser compatible with SSL certificate and 256-bit encryption and a PDF and Excel document reader.
• A modem or Internet access through your service provider.
• An Internet browser that allows you to access your Coop Online services. Supported browsers are Microsoft Internet Explorer ™, version 7.0 or higher; Chrome, latest version, Mozilla Firefox version 16.0 or higher, Microsoft Edge or and Apple Safari, version 15.0 or higher. Other browsers may have limited access.
ii. Your Mobile Account and Online Coop
• Internet access through your mobile service provider.
• A mobile device with an iPhone, Android, or another operating system
• A PDF document reader installed on your portable computer.
The Credit Union is not responsible for the degree of compatibility of your equipment or the costs or expenses associated with installing, using, and maintaining the equipment with your Internet service provider. As such, it is your responsibility to maintain equipment that is compatible with the specifications of the Coop Online services, Your Mobile Account, and Bill Payments. You are also responsible for the costs and expenses associated with installing, using, and maintaining your equipment and with your Internet access or wireless service provider.
8. Security and Infrastructure Measures
The security measures applicable to the registration process for Coop Online services, Your Mobile Account, and Bill Payments require that you choose a password, which will allow exclusive access to your accounts through Coop Online and Your Mobile Account. Please, do not share this password with anyone and keep that information in a safe place, so that others cannot access it. You are responsible for maintaining your account and password's confidentiality and restricting access to your computer and mobile device. Authorized signers on the accounts are not authorized to use their accesses and resources from Coop Online services, Your Mobile Account, and Bill Payments for the specific account. The Credit Union waives any obligation, express or implicit, to investigate or verify whether Coop Online services, Your Mobile Account, and Bill Payments or access to them were carried out by the person not authorized following the security measures adopted by you.
Using this website, you are aware and acknowledge that transmissions over the Internet are never completely private or secure. Although the Credit Union takes strict security measures to protect the content of its communications and confidential data, it is not responsible for any malicious attack on the Coop Online platform, Your Mobile Account, and Bill Payments that may put the information's security at risk if such events were reasonably outside the scope of the Credit Union's security controls. Furthermore, you acknowledge and accept that the message or information sent through the Coop Online services, Your Mobile Account, and Bill Payments will be read by other employees of the Credit Union and unaffiliated third parties, as permitted by the applicable law.
Suppose you suspect that your Coop Online services, Your Mobile Account, or Bill Payments have been compromised and become aware of unauthorized transactions. In that case, it is your responsibility to change your password immediately, through the Coop Online administrative module, and call the Credit Union for additional instructions. As an extra security measure, the Credit Union may require you to answer some security questions, reinforcing your identity when accessing it. In this Service Agreement and your Deposit Account Agreement, you will find additional information related to the applicable procedures in the event of unauthorized transactions.
A. Online Coop Security
Username: must be unique; the system is case-sensitive. It is a requirement to register and enter the system.
Password: The password must consist of at least eight (8) characters, which must include one (1) number, one (1) special character (! @ # $% ^ & *., <>), and one (1) lowercase letter. It is a requirement to register and enter the system.
i. Image: During the registration process, you will need to choose an image. This image will appear when you log in.
ii. Secret question and answer: you will have to select a private question and answer only you will know.
iii. Password changes: We recommend that you change your password regularly. If you forget your password or wish to change it, you must do so when entering the system ("login") by clicking on "I forgot my password" on the Coop Online main page or by contacting the Call Center at 787-332-0010.
iv. Automatic logout: Coop Online logs out automatically if the system detects no activity for five
v. Password lock: If you enter an incorrect password three (3) times in a row, the system will lock it automatically. The only way to regain your access will be through a Depositor service representative from the Credit Union.
B. Infrastructure security
vi. Secure connection: By accessing Coop Services Online, you will automatically enter a secure session. In your browser's address bar, you can see that the address begins with "https: //" and that to the right or left (it may vary depending on your browser) appears the image of a closed padlock. All information exchanged between you and us will be encrypted so that no third party can read or modify it.
vii. Encryption system: We use an advanced encryption protocol ("TLS") to ensure your security.
This process makes all data transmitted through the Credit Union’s Online Coop Services confidential.
viii. Protection: The connection of our systems is protected by firewalls and antivirus programs, which will always be up to date.
ix. Security certificates: To verify the security certificate page, click on the closed padlock image on the right.
9. Available Services
Depending on the nature of your financial relationship with the Credit Union, the Coop Online services, Your Mobile Account, and Bill Payments that you may have access to include:
A. Coop Online
1. Bilingual (English and Spanish)
3. Enhanced digital security
a) Security image
b) Secret security question and answer
4. Deposit accounts
a) Balance in real-time
b) Download transaction history (Excel)
c) Check images
d) Electronic Account Statements from activation to receive online statements, up to a maximum of 24 months.
e) The 24-month storage of online bank statements may be interrupted if you cancel this option.
a) Enter your deposit accounts at the Credit Union
b) Between deposit accounts of Depositors of the Credit Union (requires completing the application in a branch office)
c) Transfer scheduling (only from a computer)
d) Add/modify accounts (only from a computer)
6. Consumer credit (business loans)
a) Original loan amount
b) Current loan balance
c) Date of the next payment
d) Monthly payment
7. Payment of Bills
a) Add recipients
a) Registered b) Scheduled c) History
9. Services for my accountsa) Copy of checksb) Copy of account statement
c) Authorization for the Credit Union to contact me (through chat)
d) Cancel debit card
e) Stop payments
10. Alerts and notification settings for the account
a) Change password
b) Secret question
c) Name assigned to the products (Nickname)
d) Means of notification
• Text messages
12. Bill Payment Service Loans payment
a) Select a linked loan account
b) Pay with a business account of the Credit Union
c) Schedule payment (self-pay)
At its discretion, from time to time, the Credit Union may add, amend, or suspend services offered through its Coop Online services, Your Mobile Account, and Bill Payments. These terms and conditions would govern all future Coop Online services, Your Mobile Account, and Bill Payments. The Credit Union will be updating this agreement to inform you of any changes to the Coop Online Service Agreement, Your Mobile Account, and Bill Payments. By using any new service that becomes available, you agree to abide by all the guidelines contained in the Coop Online Service Agreement, Your Mobile Account, and Bill Payments, as well as any amendments related to the new service.
13. Payment of Bills
By initiating a Bill Payment, you are authorizing the Credit Union to debit your deposit account at the Credit Union with the established specifications and remit the recipient's funds on your behalf. You must have sufficient available funds or credit in the account to make a payment, transfer, or perform any other transaction related to the payment.
You agree to pay the invoices at least three (3) days before the due date, not including any grace period. Otherwise, the Credit Union will not assume any responsibility and does not guarantee that the payment can be processed, transferred, or sent before the due date. You understand that we begin to process Bill Payment instructions three (3) business days before the scheduled payment date, based on the particular payment. You will be responsible for authorizing payments so that invoices are paid on time. The recipient receives your payment no later than the due date listed on the recipient's statement. The Credit Union will not be responsible for late fees or penalties that the creditor may impose on you, or for damages or inconveniences that you may suffer as a result of payments that are lost in the mail or made after the expiration date if such delay is attributable to a late notice from you. The Credit Union will only be responsible for charges related to late payments if the payment was scheduled under this agreement, and the Credit Union's actions constitute a breach of the Terms and Conditions.
1. Non-recurring payments: One-time payments debited from your account on the same date you process them. You must give us instructions on the exact amount paid each time you access the service.
You may request that a one-time or recurring payment be made automatically in the manner you indicate, as long as it is a debt with the Credit Union. We reserve the right to limit the frequency and monetary amount of transactions made from your accounts. You acknowledge that some payments may vary during the time the Bill Pay Service is in effect. You expressly agree that you will be obliged to notify us if there is any change in the fixed payment amount, the frequency of the payment, or the account number with the recipient. You must inform us of the change ten (10) days before the effective date of the payment for the effective date of the adjustment to be processed before the designated date for processing the payment. The Credit Union will not be responsible for discrepancies in any fixed payment made before receiving and processing said change notification.
Recurring payments scheduled for a state holiday, a federal holiday, or weekend will be rescheduled for the next business day after the weekend, a state holiday, or national holiday.
B. Bill Payment Method
The Credit Union reserves the right to select the method by which it will send the funds to the recipient on their behalf. These payment methods may include but are not limited to, electronic payment, and electronic payment converted to check.
Generally, when using the electronic payment method, the Credit Union will debit your account within twenty-four (24) hours after receiving your instructions for payment or when the Credit Union determines that it is convenient to complete the payment per its instructions.
The Credit Union undertakes to periodically update the information you can obtain through the Credit Union's Online Coop services. However, you acknowledge and agree that the Credit Union has no obligation to update such information at a specific time of day or subject to a particular schedule. The balances that appear in your account may include deposits subject to our verification. The balance reflected in the Online Coop Services may not match your books' balance due to deposits in process, unpaid checks, or other withdrawals, payments, or charges.
You will be able to pay bills and loans from the Credit Union through the link to make payments in our Online Coop Services. All transactions made through Coop Online before 5:00 p.m. any business days will be reflected in your account the same day the transaction is made. Transactions made after 5:00 p.m. any business day or on a Saturday, Sunday, or holiday for the Credit Union will reflect in your account on the next business day. Your monthly account statement will show all the Credit Union transactions and the dates when they were processed.
14. Access to Online Coop Services, Your Mobile Account, and Bill Payments
To access Coop Online, Your Mobile Account, and Bill Payments, you must first register with Coop Online and provide an email. Any limitation expressed below will have access to Coop Online, Your Mobile Account, and Bill Payments seven (7) days a week, twenty-four (24) hours a day, except when maintenance is given, or the system is updating. You accept and agree that the Credit Union’s availability and ability to provide access to Coop Online, Your Mobile Account, and Bill Payments will depend on - among other factors - the communication between the Credit Union's computerized system and processing line, your Internet service provider, and your browser.
If access to Coop Online services, Your Mobile Account, and Bill Payments is temporarily interrupted or ceased, the Credit Union will not assume legal responsibility for such interruption. In situations in which Coop Online services, Your Mobile Account, and Bill Payments are interrupted, you may continue to carry out your transactions through the ATMs at any branch office or the Credit Union.
A. Making Transfers
In Online Coop on the Internet, you can set the instructions for making the following one-time or scheduled transfers (self-payments):
1. Enter your accounts.
2. To the accounts of other Depositors of the Credit Union
You can make transfers through the "Transfer" menu in our Online Coop Services. You will be able to transfer funds between your Credit Union accounts through the Credit Union’s Coop Online before 5:00 p.m. any business day, and the transfer will be reflected in your account the same day the transaction is made. Transactions made after 5:00 p.m. any business day or on a Saturday, Sunday, or holiday for the Credit Union will show in your account on the next business day. Your monthly statement will show all the Credit Union transactions and the dates when they were processed.
You may transfer funds to other Credit Union Depositors accounts through the Credit Union's Online Coop Service before 5:00 p.m. any business day, and the transfer will be reflected in your account the same day the transaction is made. Transactions made after 5:00 p.m. any business day or on a Saturday, Sunday, or holiday for the Credit Union will reflect in your account on the next business day. Your monthly statement will reflect all the Credit Union transactions and the dates when they were processed.
According to your instructions, the transfer will be made by debiting the designated account funds and crediting them to the selected account. You can only schedule transfers and include information about other Depositors of the Credit Union through the Online Coop Service on the Internet, accessing the section Manage> Other accounts. You can make different types of transfers through Online Coop Services. It will be required to complete a document in one of our branch offices to transfer to other Depositors.
You authorize the Credit Union to withdraw, debit, or collect the necessary funds from your designated account to complete all designated transfers. You agree to request that we make a withdrawal only when there is or will be sufficient balance available in your accounts at the transfer time.
Whether we complete a transfer will depend on the availability of sufficient funds (including any overdraft protection plan) when the transaction reflects. If there are insufficient funds available to complete the transfer, we may charge an Insufficient Fund ("NSF,") Returned Instrument, Overdraft, or similar fee.
The Credit Union is under no obligation to inform you if you do not complete a payment or transfer because there are insufficient funds in your account to process the transaction. In such an event, you will be responsible for making other arrangements or rescheduling the payment at Coop Online. The Credit Union reserves the right to modify the eligibility criteria or suspend your access to make transfers any given time.
B. Cancellation of Transfers
You may not cancel a One-Time Transfer immediately after submitting through the Coop Online services or Your Mobile Account, and the information is sent to us.
C. Stop payment by check
The terms and conditions established in the Business Savings Account / Business Checking Account Agreement govern payment suspension. They will be subject to the service charges in effect at the time of the request. The rest of the payment will take effect on the business day following the suspension request, and, from that moment, it will continue in force for six (6) months. You agree to sign and return to the Credit Union said confirmation of your request for payment suspension within fourteen (14) days.
In summary, the Coop Online services, Your Mobile Account, and Bill Payments is a service to facilitate access to your Credit Union that can be voluntarily accepted. The Credit Union's responsibility is making its best effort to keep the service active, functioning correctly, and fix system error or one that deviates from the original intention of a member or client (as long as it is within the balances available in the account and accordance with the law).
We do not charge for the Online Coop services, Your Mobile Account, and Bill Payments, or the transfer of balances between accounts if they are not related to the Xmas Club and Vera Coop Accounts. In such
an event, there will be a $10.00 penalty. We do not charge for payments made using the Coop Online services, Your Mobile Account, and Bill Payments.
E. Make Payments
You can make a payment to any of your loans or other member's loans through the Coop Online services and Your Mobile Account as long as the holder completes the authorization document provided by the Credit Union (seeing that they are not in arrears.) You can also pay your Master Card credit card (if it is not in arrears) or pay the following utilities: water, electricity, telephone, cellular (Claro, AT&T, Open Mobile, etc.) You must make sure to enter the account number correctly. The Credit Union is not responsible for payments made to incorrectly entered accounts. All payments must be received before
5:00 p.m. (Eastern Time) and will be credited the next business day. Utility payments will be reported to the relevant agencies through debits to your account and must be issued three (3) days in advance of the invoice's due date. Subject to your responsibility.
F. Limits and history of transactions through Bill Payment in your E-Statement
For security reasons, the Credit Union may limit the number of transactions or the number of transactions allowed. You will be able to see all the payments that have been processed individually. The system will keep the history of all the payments you have made during the previous twenty-four (24) months. You will be able to print confirmations through the website. You will also receive a payment confirmation with the reference number by email.
G. Payment Cancellations
The convenient way to cancel a payment is by calling the Credit Union on the same day the amount is scheduled.
We must receive your cancellation request the same day as the scheduled payment. You will be required to submit your request in writing. You will be charged a stop payment fee if you call or write to cancel a pending payment, as established in your Business Savings Account / Business Checking Account Agreement.
If you try to cancel a payment per the instructions above and we do not cancel it, we will be liable for your loss or damage.
H. Invoice Payment Confirmation Notifications
Push notifications will be sent to you when making your payments. You will have to activate these alerts. We will not automatically start them for you. Payment confirmations will be sent to the email address you have established as primary for Coop Online. These confirmations provide information about your payments.
I. Alerts and Notifications of Online Coop Services
The Credit Union offers several types of alerts and notifications, such as security, accounts, transactions, and fraud, sent by email or text instantly depending on the type of alert, notification, preferred medium, and frequency.
1. General and security notifications
These notifications will be sent to you by email automatically following essential activities on your account, such as new registrations, username and password restorations, and important Credit Union information. You can choose to add instant notifications via email.
2. Warnings, Account notifications, and Transactions
You will receive automatic email confirmation notifications for one-time transfers made through our Coop
Online services and for one-time payments made through our Coop Online payment modules.
3. Warnings and notifications will be subject to the following:
a. We may add new alerts and notifications from time to time or cancel old alerts. We will generally notify you when we cancel alerts, but we are not required to do so.
b. Warnings or alerts will be sent to the email address you have set as your primary email address for Coop Online. Your alerts will be updated to reflect the changes you notify regarding your primary and secondary email address or cell phone number.
c. We will do our best to send alerts promptly and with accurate information. Still, there are many factors beyond our control (such as system failures or shipping errors) that could delay or make it impossible to send alerts. We do not guarantee the dispatch or accuracy of alerts. An alert's content could be out of date by the time the alert is sent or received due to other activity on your account or delays in transmitting information between various systems. You agree that we will not be responsible for any delay in shipment, non-shipment, or failure to ship any alert; of any error in the content of an alert; or any action that you or a third party may or may not perform as a result of a warning.
d. As alerts are not encrypted, we will never include your full account number or access code.
However, they may include your name and some information about your accounts. Depending on
the type of alert, information such as your account balance, transaction information, or your transactions' expiration date could be included. Anyone with access to your alerts will be able to view the content of these messages.
J. Representation and Warranties
The Credit Union does not represent or guarantee, expressly or implicitly, the accuracy of the information or materials (including text, graphics, links, or others) in the Coop Online services, Your Mobile Account, and Bill Payments. It expressly rejects all responsibility for errors or omissions that they may present. Neither the Credit Union nor its suppliers represent or guarantee, directly or implicitly, that the services of Coop Online, Your Mobile Account, and Bill Payments are suitable for a particular use. You acknowledge that you have received appropriate information from the Credit Union about the Coop Online services, Your Mobile Account, and Bill Payments. You have freely and voluntarily decided to subscribe to this Coop Online Service Agreement, Your Mobile Account, and Bill Payments and obtain access to the Online Coop by the terms and conditions expressed herein.
You represent and guarantee the Credit Union that you will not use or intend to use the Coop Online services, Your Mobile Account, and Bill Payments for the direct or indirect purpose of providing services (including, but not limited to, financial, administrative, or data processing, among other related) on behalf of some other party or entity. Any links to pages of organizations not affiliated with the Credit Union are provided only as a thematic suggestion that could be of interest to you. The Credit Union does not provide any warranties regarding the accuracy, completeness, or reliability of those pages or their suitability for a specific purpose, nor does it warrant that those unaffiliated and third-party pages are free from defects, claims, or viruses, or other potential risks. These links do not represent sponsorship, nor do they generate responsibility for the opinions, ideas, products, information, or services that they provide on their pages.
16. Limitation of Liability
The Credit Union will not be responsible for incorrect information or instructions that you provide. You understand that the Credit Union must depend on the information you provide. You authorize the Credit Union to take action based on any instruction that comes or appears to come to a reasonable degree, from you through the services and applications of Coop Online, Your Mobile Account, and Bill Payments. The Credit Union is not obliged to take further steps to confirm or authenticate such instructions and will act on them as soon as it receives them, without seeking further confirmation.
Neither the Credit Union nor any other information provider will be responsible for deficiencies in the degree of accuracy, completeness, availability, or convenience of said information, nor for investments or decisions made based on it. Except as expressly stated in the provisions of this Online Coop Service Agreement, Your Mobile Account, and Bill Payments, and any other agreement applicable to the relationship between you and the Credit Union, or as determined by law. You agree that neither the Credit Union nor any other information provider will be responsible for direct or indirect loss or damage caused by the Coop Online services, Your Mobile Account, or Bill Payments, or that in any way arises or is related to the use and access to Coop Online, Your Mobile Account, or Bill Payments by you. You remain under the obligation to indemnify the Credit Union and exempt it from any liability for any lawsuit or claim filed against the Credit Union, which seeks to impute liability in the Credit Union, violating this section's provisions. The term "The Credit Union" used in this section includes the Credit Union, its directors, officers, and employees. Unless otherwise required by law, in no way is the Credit Union legally liable to you for special, indirect, or consequential damages, including loss of earnings or attorney's fees, even if advised in advance about the possibility of such damages.
The Credit Union does not assume responsibility. It cannot be held responsible for damages or viruses on your electronic equipment or any other property, concerning your access to Coop Online, Your Mobile Account, and Bill Payments or for its use or downloads made of these.
If we do not complete a transfer from or to your account in the stipulated time, or with the appropriate amount, as agreed, we could be liable for damages, as specified by the law for these cases. Suppose the service could not complete any of your payments for any of the reasons listed below. In that case, the Credit Union will not assume responsibility, and you must be responsible for any loss, charge, or penalty that may result:
• If, as long as the Bill Payment service is not at fault, your payment account does not have enough funds to complete the transaction or if the transaction exceeds the credit limit with overdraft line (the payment could be rejected if not enough funds to cover it);
• If the Bill Payment service is not working correctly and you are aware of the failure or the Credit
Union has notified you about it before carrying out the transaction;
• If the money in your account is subject to a legal process or other claims that restrict said transaction;
• If you have not provided the Credit Union with the correct payment account information or the name, address, telephone number, or accurate account information of the recipient, or
• If circumstances beyond the service (including, but not limited to, fires, floods, earthquakes, or other interference from an outside force) impede the transaction's proper execution, and the Credit Union would have taken reasonable precautions to avoid such circumstances.
The list of examples detailed above intends to illustrate cases where we would not be held liable for failure to complete a transfer but does not intend to include all possible circumstances.
17. Communication with the Credit Union
In case you need assistance related to Coop Online services, Your Mobile Account, and Bill Payments, or if you need to contact the Credit Union to obtain a copy of this agreement, notifications, or disclosures, you should call the Credit Union at 787-863-3045, 1-888-777-2245 or the Call Center at 787-332-0010 during extended hours. You can also send us a message via fax, at 787-860-4050, or write to the following address:
Cooperativa de Ahorro y Crédito Roosevelt Roads Servicio al Cliente – Coop en Línea y Tu Cuenta Móvil PO Box 31
Fajardo, Puerto Rico 00738-0031
You can virtually communicate with us through "Contact us" (a button on the website) found on our portal https://cooprr.com/contact/. We will be deemed to have received the information on the business day following the day you submit it. Following your communication, the Credit Union will act within a reasonable time and per the terms of this Service Agreement. It would be best if you did not use this medium when you need to contact us immediately. To contact us directly, you must call the Credit Union or visit any of our branch offices. By this means, you authorize us to register, use, and copy any electronic form that you send. You accept and acknowledge that no other electronic means, including email, will be used to request or carry out transactions for security reasons in managing information. You accept and acknowledge that the Credit Union will not be responsible for any information on transactions received through email.
For additional information related to the Credit Union, you can visit one of our branch offices or access Coop's services online or call us at the numbers listed above. You can also see www.cooprr.com or visit one of our branch offices.
18. Terms of Agreement
This agreement will remain in effect until one of the parties cancels the service. If any provision of this Service Agreement is found invalid or unenforceable, the Service Agreement's other provisions will remain in full force. The Credit Union reserves the right to invoke any available legal remedy if you do not comply with the Service Agreement's provisions. These remedies could include the suspension of your access to the Coop Online services, Your Mobile Account, and Bill Payments, and the closure of related or affected accounts. Access to the service and the use of passwords through Coop Online, Your Mobile Account, and Bill Payments will be limited to the user authorized by the Credit Union. The Credit Union will use all available legal remedies against any person who attempts to exploit and uses this service without proper authorization or in a way that is not intended.
However, your accounts in the Credit Union will remain active despite the cancellation of Coop Online services, Your Mobile Account, and Bill Payments. If you notify your intention to cancel your use of the Coop Online services, Your Mobile Account, and Bill Payments, or if the account is canceled, you are responsible for the transactions authorized before the service's cancellation.
The Credit Union reserves the right to cancel the service immediately:
• If you do not comply with the terms and conditions established by the Credit Union in this Service
Agreement and Online Coop, Your Mobile Account, and Bill Payments.
• The Credit Union understands that there has been unauthorized use of the Coop Online services;
• You request cancellation;
• Or your account is inactive (at least one year without accessing the Credit Union's Online Coop services). The Credit Union may notify you in advance, in case of cancellation of your Coop Online services, Your Mobile Account, and Bill Payments, but we are not obliged to do so.
19. Miscellaneous Provisions
The Credit Union reserves the right to amend, update, modify, or discontinue the Coop Online services, Your Mobile Account, and Bill Payments at any time, as well as to amend or modify the terms of this Coop Online Service Agreement, Your Mobile Account, and Bill Payments at any time, with prior written notification.
The Credit Union reserves the right to amend, update, modify, or discontinue the Coop Online services, Your Mobile Account, and Bill Payments, and amend or modify the terms of this Service Agreement after notifying you in writing. The use and access to the services of Coop Online, Your Mobile Account, and Bill Payments of the Credit Union will be subject to the laws of the Commonwealth of Puerto Rico (except for the principles of conflict of laws) and any other law or applicable federal regulation. You will not transfer this Service Agreement to anyone without the Credit Union's prior written consent.
The Credit Union reserves the right to invoke any legal remedy at its disposal if you do not comply with the provisions of this Online Coop Service Agreement, Your Mobile Account, and Bill Payments. These remedies may include suspension of access to the Online Coop service, Your Mobile Account, and Bill Payments, and the closure of related or affected accounts.
Access to the Coop Online services, Your Mobile Account, and Bill Payments, and passwords are limited to the user authorized by the Credit Union. The Credit Union may use all legal remedies at its disposal against any person who treats and uses this service without proper authorization or with any intention for which it was not developed or intended.
The Depositor will acknowledge receipt of having received the contract related to this service.