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The IDT Web Site is comprised of various Web sites
and Web pages operated by IDT Corporation or its subsidiaries,
affiliates and business partners (collectively, the
"IDT Web Sites").
The IDT Web Sites include:
By using the IDT Web Sites, you signify your agreement
to all terms, conditions, and notices contained or
referenced herein (the "Terms of Use").
If you do not agree to these Terms of Use please do
not use the IDT Web Sites. We reserve the right, at
our discretion, to update or revise these Terms of
Use. Please check the Terms periodically for changes.
Your continued use of the IDT Web Sites following
the posting of any changes to the Terms of Use constitutes
acceptance of those changes. Your use of a particular
IDT Web Site included within the IDT Web Sites may
also be subject to additional terms outlined elsewhere
in this agreement (the "Additional Terms").
Additionally, the IDT Web Sites may themselves contain
additional terms that govern particular features or
offers (for example, sweepstakes or chat areas). In
the event that any of the terms, conditions, and notices
contained herein conflict with the Additional Terms
or other terms and guidelines contained within any
particular IDT Web Site, then these terms shall control.
Individual Terms & Conditions:
Agreement To Rules Of User Conduct
You agree to abide by IDT Corporation's Rules of
User Conduct, including but not limited to, agreeing
not to use the IDT Web Sites for any unlawful purpose.
A copy of the Rules of Conduct, which you should review,
can be found .
Third Party Sites The
IDT Web Sites may produce automated search results
or otherwise link you to other sites on the Internet.
These sites may contain information or material that
some people may find inappropriate or offensive. These
other sites are not under the control of IDT Corporation,
and you acknowledge that IDT Corporation is not responsible
for the accuracy, copyright compliance, legality,
decency, or any other aspect of the content of such
sites. The inclusion of such a link does not imply
endorsement of the site by IDT Corporation or any
association with its operators.
Proprietary Rights
You acknowledge and agree that all content and materials
available on the IDT Web Sites are protected by copyrights,
trademarks, service marks, patents, trade secrets, or
other proprietary rights and laws. Except as expressly
authorized by IDT Corporation, you agree not to sell,
license, rent, modify, distribute, copy, reproduce,
transmit, publicly display, publicly perform, publish,
adapt, edit, or create derivative works from such materials
or content. Systematic retrieval of data or other content
from the IDT Web Sites to create or compile, directly
or indirectly, a collection, compilation, database or
directory without written permission from IDT Corporation
is prohibited. In addition, use of the content or materials
for any purpose not expressly permitted in these Terms
of Use is prohibited. As noted above, reproduction,
copying, or redistribution for commercial purposes
of any materials or design elements on the IDT Web
Sites is strictly prohibited without the express written
permission of IDT Corporation. Permission is granted
only when certain limited criteria are met. For information
on requesting such permission, please click .
Copyright Notice
All contents of the IDT Web Sites are: Copyright
© 1994 - 2005 IDT Corporation and/or its Content Providers,
520 Broad Street, Newark, New Jersey 07102 U.S.A. All
rights reserved.
Trademark Notice IDT
owns US trademarks and service mark registrations
on Colombianita, Debit Talk, Dominicall, Genie, IDT,
IDT and antenna design, IDT Spectrum, La Universal, and Megatel.
We also own trademark and service mark registrations
overseas on Imperial Telecard and Genie. The company
also has applications pending for the registration
of service marks relating to its various operations,
including, but not limited to, ABCGONLINE, Beep2Talk,
Clic Aqui, Click2Reserve, Click2Take, Columbiana,
Cyberspace Kids, Diplomatic Expo, EZ Road, FreeAtLast,
FreeAtLast.Com, Gifts for Gab, Global America, Global
Call, HealInc, Internet Industry & Design, IP
Central Office, La Linea Latina, LogInData, Mega Mexico,
Mexicall, Net2Dine.com, Net2Torah, Netventure, No
One Does It For Less, NuBill, NuBill.Com, NuPage,
NuSserve, Skipid, Nuestra Voz, The Wonder of Broadband,
Traveler SOS, TV.TV, TV.TV Broadband Network, Virtual
Dime, Webony, Webony.com, and ZeroDinero. Other products
or services referenced herein are either trademarks
or registered trademarks of IDT and or its affiliates
or subsidiaries. The names of actual companies and
products mentioned herein may be the trademarks of
their respective owners.
User' Grant Of Limited License
By posting or submitting content to the IDT Web Sites,
you:
- grant IDT Corporation and its affiliates and licensees
the right to use, reproduce, display, perform, adapt,
modify, distribute, have distributed, and promote
the content in any form, Web sites and for any purpose;
and
- warrant and represent that you own or otherwise
control all of the rights to the content and that
public posting and use of your content by IDT Corporation
will not infringe or violate the rights of any third
party.
Procedure For Making Claims
of Copyright Infringement If you believe
that your work has been copied and is accessible on
the IDT Web Sites in a way that constitutes copyright
infringement, you may notify IDT Corporation. Click
for instructions.
Disclaimer Of Warranties
All materials, information, software, products, and services included in or available through the IDT web sites (the "content") are provided "as is" and "as available" for your use. The content is provided without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or noninfringement. IDT corporation, its subsidiaries, and its licensors do not warrant that the content is accurate, reliable or correct; that the IDT web sites will be available at any particular time or location; that any defects or errors will be corrected; or that the content is free of viruses or other harmful components. Your use of the IDT web sites is solely at your risk. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you.
Limitation of Liability
Under no circumstances shall IDT corporation, its subsidiaries, or its licensors be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use of, or inability to use, the IDT web sites. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if IDT corporation has been advised of the possibility of such damage. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, IDT corporation's liability in such jurisdictions shall be limited to the extent permitted by law.
Indemnification Upon
a request by IDT Corporation, you agree to defend,
indemnify, and hold harmless IDT Corporation and its
subsidiary and other affiliated companies, and their
employees, contractors, officers, and directors from
all liabilities, claims, and expenses, including attorney's
fees, that arise from your use or misuse of the IDT
Web Sites. IDT Corporation reserves the right, at
it own expense, to assume the exclusive defense and
control of any matter otherwise subject to indemnification
by you, in which event you will cooperate with IDT
Corporation in asserting any available defenses.
International Use IDT
Corporation makes no representation that materials
on the IDT Web Sites are appropriate or available
for use in locations outside the United States, and
accessing them from territories where their contents
are illegal is prohibited. Those who choose to access
the IDT Web Sites from other locations do so on their
own initiative and are responsible for compliance
with local laws.
Choice Of Law & Forum
These Terms of Use shall be governed by and construed
in accordance with the laws of the State of New York,
excluding its conflicts of law rules. You expressly
agree that the exclusive jurisdiction for any claim
or action arising out of or relating to these Terms
of Use or your use of the IDT Web Sites shall be filed
only in District Court, Southern District of New York,
and you further agree and submit to the exercise of
personal jurisdiction of such courts for the purpose
of litigating any such claim or action.
Severability And Integration
Unless otherwise specified herein, this agreement
constitutes the entire agreement between you and IDT
Corporation with respect to the IDT Web Sites and
supersedes all prior or contemporaneous communications
and proposals (whether oral, written, or electronic)
between you and IDT Corporation with respect to the
IDT Web Sites. If any part of these Terms of Use is
held invalid or unenforceable, that portion shall
be construed in a manner consistent with applicable
law to reflect, as nearly as possible, the original
intentions of the parties, and the remaining portions
shall remain in full force and effect.
Termination IDT Corporation
reserves the right, in its sole discretion, to terminate
your access to all or part of the IDT Web Sites, with
or without notice.
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Important–Please Read
Carefully
1. Terms and Conditions for the Cash2Go Maestro Card
This document constitutes the agreement ("Agreement") outlining the terms and conditions under which a Cash2Go Maestro®
Card has been issued to you. By accepting and using this Card, you agree to be bound by the terms and conditions contained
in this Agreement. In this Agreement, "Card" means the Cash2Go Maestro Card or Cards issued to you by BANKFIRST. IDT
Financial Services LLC acts as the Cash2Go program marketing company and administers all operations. "You" and "your" means
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 BANKFIRST, our successors, affiliates or assignees. You agree to sign the back of the Card immediately upon
receipt. The Card will remain the property of BANKFIRST 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. Please read this
Agreement carefully and keep it for future reference.
2. Definitions
The Card is a prepaid card. The Card allows you to access funds you place on the Card. The Card is not connected in any way to
any other account. The Card is not a credit card. You will not receive any interest on your funds on the Card. The funds on your
Card are FDIC insured; BANKFIRST, Member FDIC. Our business days are Monday through Friday excluding holidays. Saturday,
Sunday, and federal holidays are not considered business days, even if we are open.
Authorized Users
You may request an additional Card for another person. You may also permit another person to have access to your Card or Card
number. However, if you do, you are liable for all charges made by those persons. You are responsible for all charges and fees
incurred by any other person you have authorized. You are wholly responsible for the use of each Card according to the terms of
this Agreement.
Personal Identification Number (PIN)
We will give you a Personal Identification Number ("PIN"). You may use your Card to obtain cash from any Automated Teller
Machine ("ATM") that bears the Maestro®, Cirrus®, or STAR® brand. ATM machines require your PIN to be entered to complete
the requested transaction. All ATM transactions are treated as cash withdrawal transactions. You should not write or keep your
PIN with your Card. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately,
following the procedures in the paragraph labeled "Your Liability for Unauthorized Transfers." The maximum amount that can be
withdrawn from an ATM or Bank Teller is $500.
Loading Your Card
Loading Your Card
You may add money to your Card or Cards, called "value loading", at any time up to the limit of $1,000 per load. Some loading locations
may impose a lower limit. You can find a location near you on the web at www.cash2go.net or by calling 1-800-995-3061.
There is no limit on the number of times you may value load your Card but the maximum amount that can be loaded onto the Card
or Cards in one day is $1,000. The maximum number of loads per day to your Card is one. The minimum amount that can be
loaded onto your Card is $10. The maximum value your Card may have at any time is $2,500. All money loaded on the Card(s)
must be in U.S. dollars, and your balance and use fees will be calculated in U.S. dollars. For purposes of this agreement, you agree
that your Card(s) is issued in U.S. dollars. Each time you load value to the Card, you authorize us to increase the value on the Card
by the amount of the transaction less applicable fees.
3. Using Your Card
You may use your Card to purchase or lease goods and services wherever Maestro cards are accepted as long as you do not exceed
the value available on your Card. You are responsible for all authorized transactions initiated by use of your Card. If you permit
someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions
made subject to such use.
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.
Some merchants do not allow cardholders to conduct split transactions where you would use the card as partial payment for goods
and services and paying the remainder of the balance with another form of legal tender.
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 use your Card to access cash at an Automated Teller Machine (ATM). You may not use your Card for
any illegal transaction.
Each time you use your Card, you authorize us to reduce the value available on your Card Account by the amount of the transaction
plus applicable fees. You are not allowed to exceed the available amount on 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 or charges.
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 10 days (or up to 30 days for car rentals,
hotel and airline purchases).
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| 4.Returns and Refunds |
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| If you are entitled to a refund for any reason for services obtained with your Card, you agree to accept credits to your Card for such
refunds, except in the event of a full refund of all remaining balances and/or original purchase price. In such an event, you will
receive a check for the applicable amount from IDT Financial Services LLC and your Card will be cancelled. |
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| 5. Closing a Cash 2Go Account/Request Funds |
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| You may close your Account at any time. If you wish to close your Account, you should call 1-800-995-3061. When closing your
Account, we will return to you all available funds, net of fees, via a check within 20 business days of your request. Please note that
we do not fulfill partial payment requests. You will incur a charge for each check mailed, to cover processing costs. The amount of
the charge is shown in the Fee and Charges section. Checks can only be paid to the order of the primary account holder and mailed
to the address on record for the account. At our discretion, we may close your Account(s) and disburse your funds at any time
and for any reason, with no charge to you.
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| 6. Foreign Transactions |
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If you obtain your funds (or 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 MasterCard International into an amount in the currency of your Card. MasterCard
International will establish a currency conversion rate for this convenience. This percentage is independent of any amount taken
by the Issuer in accordance with the following section of these Terms & Conditions.
If you obtain your funds in a currency other than the currency in which your Card was issued, the Issuer will increase the currency
conversion rate (described in the immediately preceding section) by an additional 2.5% and will retain this amount as compensation
for its services. This charge is independent of the currency conversion rate established by MasterCard International.
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| 7. Receipts |
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| You should get a receipt at the time you make a transaction. You agree to retain your receipt to verify your transactions. You will
need the receipt information to request any refund or adjustment. |
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| 8. Periodic Statements |
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| Periodic statements in electronic format will be made available free of charge at www.cash2go.net during each month in which a
transaction occurs. Paper statements are available upon request for a fee of $5.00 per statement. Should you wish to receive a
paper periodic statement instead of an electronic periodic statement, you may elect this option by writing to Cash2Go Paper
Statement Request; IDT Financial Services, LLC; 520 Broad St., Newark, NJ 07102. Please include your name, and Card number.
You will be charged $5.00 for each such periodic statement. You agree that these are reasonable procedures for sending
and receiving periodic statements.
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| 9. Fees and Charges |
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| A value load fee, the amount of which is determined by the retailer, may be charged. |
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There is a $1.00 Fee to change your PIN through the IVR. |
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There is a fee for each domestic ATM cash withdrawal of $1.50. |
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There is a fee for each international ATM cash withdrawal of $3.00. Do not use your Card for a balance inquiry at the ATM machine; there is a fee of $1.25 with no guarantee the ATM will provide the balance. |
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If you use an ATM not owned by us, you may be charged a fee by the ATM operator. |
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There is a monthly administrative fee of $1.00.
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There is a POS PIN purchase fee for each Maestro purchase made with the Card of $1.50.
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Account balance or transaction history requests through a customer service representative or IVR will be assessed a fee of $0.50 charged against your Card balance. |
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Lost or Stolen Replacement Fee: $10.00 |
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Additional Paper Statement Mailing Fee: $5.00 |
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Post Expiration New Card Replacement Fee: Within 3 months of expiration- free; after 3 months of expiration- $5.00 |
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Card Record Closure Fee: up to $10.00 |
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Overdraft Fee: up to $25.00 |
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Damaged Card Replacement Fee: $5.00 |
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| 10. Confidentiality |
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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 a 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. |
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| 11. Our Liability for Failure to Complete Transactions |
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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 direct 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 an ATM where you are making a cash withdrawal does not have enough cash;
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 or illegal;
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;
8) If a merchant refuses to accept your Card;
9) Any other exception stated in our Agreement with you.
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| 12. Your Liability for Unauthorized Transfers |
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| Tell us AT ONCE if you believe your Card has been lost or stolen. Telephoning toll-free at 1-800-995-3061 is the best way of
keeping your possible losses down. IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERRED
OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, CALL US TOLL FREE AT 1-800-995-
3061. IF YOU NOTIFY US WITHIN TWO (2) BUSINESS DAYS, YOU CAN LOSE NO MORE THAN $0 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 $50. Also, if your statement shows
transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was made available
to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from
taking the money if you had told 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 record to keep losses down.
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| 13. Other Terms |
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| 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 South Dakota except to the extent governed by federal law.
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| 14. Amendment and Cancellation |
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| We may amend or change the terms 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 notifying us in writing and returning
all Cards to us. Upon cancellation notice, we will remit to you, within sixty (60) days any funds remaining on the Card record.
Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.
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| 15. Card Expiration |
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| Your Card will expire three (3) years from the date of the package sale. After that date you will not be able to use the Card. If you
still have funds remaining on the Card record after the expiration date, contact us within ninety (90) days of card expiration at the
customer care telephone number in this Agreement. The monthly administrative fee will continue to be assessed until you provide
us with instructions. You may have the balance rolled into a new Card at no charge to you within ninety (90) days of the expiration
date or you may receive a check for the balance, less a processing fee of $5.00. If you do not contact us within ninety (90) days
following expiration, we may assess a Closure fee of up to $10.00 and close your Card record. Any remaining balance will be handled
in accordance with applicable law.
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| 16. Information About Your Right to Dispute Errors |
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In case of errors or questions about your electronic transactions, call 800-995-3061 (toll free) or write to IDT Financial Services LLC,
Cash2Go Card Services, 520 Broad Street, Newark, NJ 07102 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 we have
sent you the FIRST statement 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.
4. Proof or documentation of error will be required.
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, 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:
IDT Financial Services LLC
520 Broad Street, 15th Floor
Cash2Go Card Services
Newark, NJ 07102
800-995-3061
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| 17. If there is a conflict between the English and the Spanish translation, the English version shall be controlling for all legal purposes. |
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IMPORTANTE: POR FAVOR, LEA CUIDADOSAMENTE
1. Estipulaciones para la Tarjeta Cash2Go Maestro®
Este documento constituye el acuerdo ("Acuerdo") donde se indican las estipulaciones de la Tarjeta Cash2Go Maestro® emitida a
su nombre. Al aceptar y usar esta Tarjeta, usted acepta las estipulaciones de este Acuerdo. En este Acuerdo, "Tarjeta" significa la(s)
Tarjeta(s) Cash2Go Maestro® que BANKFIRST ha emitido en su nombre.IDT Financial Services LLC es la empresa que mercadea
el programa Cash2Go y administra todas las operaciones. Según lo establecido en este Acuerdo, "usted" y "su" o "sus" significa
la persona o personas que ha(n) recibido la Tarjeta y que está(n) autorizada(s) para usarla. "Nosotros", "nos" y "nuestro" significa
BANKFIRST y nuestros sucesores, afiliados o designados. Usted acepta firmar en el revés de la Tarjeta en cuanto la reciba. La
Tarjeta sigue siendo propiedad de BANKFIRST y tiene que ser entregada si así lo pedimos. Según la ley aplicable, la Tarjeta no es
transferible y puede ser cancelada, reposeída o revocada en cualquier momento sin aviso previo. Por favor, lea cuidadosamente
este Acuerdo y guárdelo para una consulta futura.
2. Definiciones
La Tarjeta es prepagada, le permite el acceso a los fondos que usted deposita en la misma, no está relacionada de forma alguna
con otras cuentas y no es una tarjeta de crédito. Usted no recibirá intereses por los fondos en su Tarjeta. Los fondos en su Tarjeta
están asegurados por la FDIC; BANKFIRST, miembro de la FDIC.
Trabajamos de lunes a viernes, excepto los días feriados. Aunque estemos abiertos, no consideramos días laborales los sábados,
domingos y los días feriados del Gobierno Federal.
Usuarios autorizados
Usted puede pedir una Tarjeta para otra(s) persona(s). También puede permitir que otra(s) persona(s) tenga(n) acceso a su Tarjeta
o al número de su Tarjeta. Sin embargo, si lo hace, usted es responsable de todos los cargos en los que incurra(n) esa (esas) persona(
s). Usted es responsable de todos los cargos y recargos en los que incurra(n) otra(s) persona(s) a la(s) que le(s) haya otorgado
autorización. Según las estipulaciones de este Acuerdo, usted es completamente responsable del uso de cada Tarjeta.
Número de identificación personal ("PIN")
Le daremos un número de identificación personal ("PIN"). Puede usar su Tarjeta para obtener dinero en efectivo en cualquier cajero
automático (ATM) en el que se muestre la marca Maestro® o Cirrus®. Usted tiene que marcar su PIN en las máquinas ATM para
completar la transacción que pida. Todas las transacciones ATM son consideradas como transacciones de extracción de efectivo.
Usted no deberá escribir ni guardar su PIN junto con su Tarjeta. Si cree que alguien ha tenido acceso a su PIN sin su autorización,
debe avisarnos inmediatamente mediante el procedimiento indicado en el párrafo titulado "Su Responsabilidad por Transferencias
No Autorizadas". La cantidad máxima que se puede extraer de una ATM o con un cajero bancario es $500.
Cómo "cargar" su Tarjeta
Usted puede añadir dinero a su Tarjeta en cualquier momento y hasta un límite de $1,000 por cada transacción, a lo cual se le
llama "carga de valor". En algunos lugares donde se realiza esa "carga" le pueden imponer un límite más bajo. En el sitio web
www.cash2go.net o si llama al 1-800-995-3061, usted puede encontrar uno de esos lugares que le sea más cercano. No hay
límite en la cantidad de veces que usted puede cargar su Tarjeta de valor, pero la cantidad máxima con la que puede cargar diariamente
su tarjeta es $1,000. La cantidad máxima de "cargas" diarias es una. La cantidad mínima con la que puede cargar su
Tarjeta es $10. El valor máximo que puede tener en su tarjeta es $2,500. Todo el dinero que añada a la Tarjeta tiene que ser en
dólares estadounidenses y su saldo y cargos por uso también se calcularán en dólares estadounidenses. Según este Acuerdo,
usted acepta que su Tarjeta sea emitida en dólares estadounidenses. Cada vez que usted cargue su Tarjeta de valor nos autoriza
a aumentar el valor de la misma por la cantidad de la transacción menos los cargos aplicables.
3. Uso de su Tarjeta
Siempre que no exceda el valor disponible en su Tarjeta, usted puede usar la misma para comprar o alquilar artículos y servicios
en cualquier lugar donde acepten tarjetas Maestro. Usted es responsable de todas las transacciones autorizadas que se inicien
con su Tarjeta. Si le permite a alguien que use su Tarjeta, consideraremos que usted autorizó esa transacción y por tanto será
responsable de la misma.
Si usa el número de su Tarjeta sin presentarla (como en un pedido por correo, por teléfono o por Internet), el efecto legal será
el mismo que si usara la Tarjeta físicamente.
Algunos comerciantes no permiten que las personas usen la Tarjeta para transacciones divididas en las que hacen un pago parcial
de artículos y servicios y pagan el resto del saldo con otra forma de moneda de curso legal.
Por razones de seguridad, podemos limitar la cantidad de transacciones que usted puede hacer con su Tarjeta. Su tarjeta no puede
ser cambiada por efectivo. Puede usar su Tarjeta para extraer efectivo en una ATM. No puede usar su Tarjeta para transacciones
ilícitas.
Cada vez que use su Tarjeta nos autoriza a reducir el valor disponible en la misma por la cantidad de la transacción más los cargos
aplicables. Cuando usted hace una transacción o varias transacciones con su Tarjeta, no se puede exceder de la cantidad
disponible en la misma. Si una transacción excede el saldo de los fondos disponibles en su Tarjeta, usted será completamente
responsable de pagar la cantidad de esa transacción y de los cobros o cargos aplicables.
Usted no tiene derecho a suspender el pago de las compras o transacciones que haga con su Tarjeta. Usted no puede autorizar
pagos hechos con regularidad de la Cuenta de su Tarjeta. Si autoriza una transacción y después no hace la compra, el importe de
esa compra podría quedar retenido hasta 10 días (o hasta 30 días por alquiler de autos, hoteles y compras en aerolíneas).
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| 4. Devoluciones y reintegros |
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| Si por alguna razón usted tiene derecho a un reintegro por servicios obtenidos con su Tarjeta, aceptará la cantidad del reintegro
que se acredite en la misma, excepto en caso de un reintegro completo de todos los saldos restantes o del precio original de la
compra. En ese caso, recibirá un cheque de IDT Financial Services LLC por la cantidad aplicable y su Tarjeta será cancelada. |
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| 5. Cierre de la Cuenta de una Tarjeta Cash2Go/Solicitud de Fondos: |
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| Usted puede cancelar su Tarjeta en cualquier momento. Si desea cancelar su Tarjeta debe llamar al 1-800-995-3061. Si solicita
la cancelación de su Tarjeta, le enviaremos un cheque en el plazo de los 20 días laborales siguientes por todos los fondos que
estén disponibles después de la deducción de cualquier cargo. Por favor, observe que no aceptamos solicitudes de pagos parciales.
Para cubrir los costos de procesamiento, usted deberá pagar un cargo por cada cheque que le enviemos por correo. En la
sección "Cobros y Cargos" indicamos la cantidad de ese cargo. Los cheques sólo pueden ser pagados a nombre del titular de la
Tarjeta y enviados a la dirección que aparece en la cuenta. A nuestra discreción, en cualquier momento y por cualquier razón,
podemos cerrar la Cuenta de su Tarjeta y devolverle los fondos sin cargo alguno.
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| 6. Transacciones en el extranjero |
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Si usted obtiene fondos (o hace una compra) en una moneda que no sea en la que fue emitida su Tarjeta, la cantidad deducida de
sus fondos será convertida por MasterCard International a la cantidad de la moneda en la que se emitió su Tarjeta. MasterCard
International establecerá una tasa de cambio de moneda para ese propósito. Según la siguiente sección de las estipulaciones de
este Acuerdo, ese porcentaje es independiente de cualquier cantidad que tome la empresa que emite la Tarjeta.
Si usted obtiene fondos en una moneda que no sea en la que fue emitida su Tarjeta, la empresa que emitió la Tarjeta aumentará
la tasa de cambio de esa moneda (descrito en la sección inmediatamente anterior) en un 2,5% adicional y retendrá esa cantidad
como compensación por sus servicios. Ese cargo es independiente de la tasa de cambio de moneda establecida por MasterCard
International.
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| 7. Recibos |
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| Usted obtendrá un recibo cuando haga una transacción. Usted acepta retener su recibo para verificar sus transacciones.
Necesitará la información en el recibo para solicitar cualquier devolución o ajuste. |
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| 8. Estados de cuenta enviados periódicamente |
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| Durante el mes en el que haga una transacción, en www.cash2go.net estarán disponibles periódicamente estados de cuenta electrónicos
sin cargo alguno. Los estados de cuenta en papel están disponibles a solicitud por un cargo de $5.00 cada uno. Si usted
desea recibir periódicamente un estado de cuenta en papel en lugar de electrónico, escriba a Cash2Go Paper Statement Request;
IDT Financial Services, LLC; 520 Broad St., Newark, NJ 07102. Por favor, incluya su nombre y el número de su Tarjeta. Por cada
estado de cuenta de ese tipo que reciba periódicamente se le cobrará $5.00. Usted acepta que esos son procedimientos razonables
para enviar y recibir periódicamente estados de cuenta.
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| 9. Cargos y Recargos |
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| Por cada "carga de valor" se le podrá cobrar la cantidad que determine el vendedor. |
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Cambio de PIN por medio de IVR: $1.00 |
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Cada extracción de efectivo en una ATM del país: $1.50 |
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Cada extracción de efectivo en una ATM de un país extranjero: $3.00. No use su Tarjeta en una ATM para saber su saldo,
ya que el cobro es $1.25 y no hay garantía de que obtenga esa información en las ATM. |
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Si usa una ATM que no sea de nuestra propiedad, el operador de la ATM podrá cobrarle por su uso. |
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Cargo mensual administrativo: $1.00 |
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Cada transacción hecha en un POS con su tarjeta Maestro: $1.50 |
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Datos del saldo de su Cuenta o de una transacción solicitados a un agente de servicios: $0.50 |
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Reemplazo de tarjeta perdida o robada: $10.00 |
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Envío por correo de un estado de cuenta adicional en papel: $5.00 |
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Reemplazo de la Tarjeta después de su fecha de expiración: gratis hasta tres meses después de la fecha de expiración de
la Tarjeta; $5.00 después de los tres meses |
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Cierre del expediente de la Tarjeta: hasta $10.00 |
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Sobregiro: hasta $25.00 |
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Reemplazo de tarjeta dañada:$5.00 |
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| 10. Confidencialidad |
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Podemos divulgar a terceras partes la información sobre su Tarjeta o sobre las transacciones que usted haga:
1) Si es necesario para completar transacciones,
2) Con el fin de verificar para una tercera parte, como un comerciante, la existencia y las condiciones de su Tarjeta;
3) Para cumplir con los requisitos de entidades gubernamentales, de una orden judicial o de otros informes legales;
4) Si nos dio su permiso por escrito, o
5) A nuestros empleados, auditores, afiliados, proveedores de servicios o abogados, según sea necesario. |
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| 11. Nuestra responsabilidad si fallamos en completar una transacción |
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Según nuestro Acuerdo, si no completamos una transacción de su Tarjeta de forma apropiada, puntual y por la cantidad correcta,
seremos responsables de sus pérdidas o perjuicios directos. Sin embargo, hay algunas excepciones. Por ejemplo, no seremos
responsables:
1) Si usted no tiene fondos suficientes en su Tarjeta para completar una transacción y no es nuestra culpa;
2) Si una ATM donde usted haga una extracción no tiene suficiente efectivo;
3) Si una ATM donde usted haga una transacción no funciona apropiadamente y usted lo sabía cuando inició dicha transacción;
4) Si el acceso a su Tarjeta ha sido bloqueado después que usted notifique que se le perdió o se la robaron;
5) Si sus fondos están retenidos o sujetos a un proceso legal o a otro gravamen que restrinja su uso;
6) Si con razón creemos que una transacción solicitada no está autorizada o es ilegal;
7) Si por circunstancias más allá de nuestro control (como fuego, inundación o fallo de computadoras o de las comunica
ciones) no se puede completar una transacción a pesar de las precauciones que hayamos tomado;
8) Si un comerciante no acepta su Tarjeta;
9) De cualquier otra excepción establecida en el Acuerdo.
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| 12. Su responsabilidad por transferencias no autorizadas |
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| Comuníquese ENSEGUIDA con nosotros si cree que perdió su Tarjeta o que se la robaron. La mejor forma de comunicarse para
minimizar la posibilidad de pérdidas es por medio de una llamada telefónica gratuita al 1-800-995-3061. SI CREE QUE LE HAN
ROBADO SU TARJETA O QUE ALGUIEN HA TRANSFERIDO O PUEDE TRANSFERIR DINERO DE SU TARJETA SIN SU PERMISO,
LLÁMENOS GRATUITAMENTE AL 1-800-995-3061. SI USED NOS NOTIFICA EN UN PLAZO DE DOS (2) DÍAS LABORALES, PODRÍA
PERDER NO MáS DE $0 SI ALGUIEN USÓ SU TARJETA SIN SU PERMISO. SI NO NOS NOTIFICA EN EL PLAZO DE LOS DOS (2) DÍAS
LABORALES SIGUIENTES AL DÍA EN EL QUE SE DIO CUENTA DE LA PÉRDIDA O DEL ROBO DE SU TARJETA Y SI PODEMOS PROBAR
QUE PODíAMOS HABER IMPEDIDO QUE ALGUIEN USARA SU TARJETA SIN SU PERMISO SI NOS HUBIERA NOTIFICADO ENSEGUIDA,
USTED PODRÍA PERDER HASTA $50. Además, notifíquenos enseguida si se da cuenta de transacciones que usted no hizo. Podría
dejar de recuperar cualquier cantidad que haya perdido si no nos notifica en el plazo de los sesenta (60) días siguientes al día en
el que se dio cuenta de dichas transacciones si podemos comprobar que podíamos haber impedido que alguien tomara su dinero
si usted nos hubiera notificado a tiempo y si ha cometido grandes negligencias o fraudes en el manejo de su Tarjeta. Si perdió
su Tarjeta o se la robaron, cerraremos su cuenta para mantener bajas las pérdidas.
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| 13. Otras condiciones |
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| Bajo este Acuerdo, su Tarjeta y sus obligaciones podrían no ser asignadas. Según este Acuerdo, podemos transferir nuestros derechos.
El uso de su Tarjeta está sujeto a todas las reglas y costumbres aplicables de cualquier cámara de compensación o de otras
asociaciones participantes en las transacciones. No renunciamos a nuestros derechos por el retraso o fallo en el ejercicio de los
mismos. Si se determinara que una disposición en este Acuerdo queda invalidada o no es aplicable bajo cualquier regla, ley o regulación
de cualquier agencia gubernamental, local, estatal o federal, la validez o aplicación de cualquier otra disposición de este
Acuerdo no se afectará. Este Acuerdo será regulado por las leyes del estado de Dakota del Sur, excepto la parte sujeta a las leyes
federales.
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| 14. Enmienda y cancelación |
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| Podemos enmendar o cambiar las condiciones de este Acuerdo en cualquier momento. Usted recibirá la notificación de cualquier
cambio en la forma establecida por las leyes aplicables y antes de la fecha de vigencia de un cambio. Sin embargo, podemos
implementar sin previo aviso un cambio que hagamos por motivos de seguridad.
En cualquier momento podemos cancelar o suspender su Tarjeta o este Acuerdo. Usted puede cancelar este Acuerdo si nos notifica
por escrito y nos devuelve todas las Tarjetas. Después de la notificación de cancelación, y dentro de los sesenta (60) días siguientes,
le enviaremos los fondos restantes en su Tarjeta. Aunque usted dé por terminado este Acuerdo, no se afectarán nuestros
derechos ni sus obligaciones antes de esa cancelación.
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| 15. Expiración de la Tarjeta |
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| Su Tarjeta expirará tres (3) años después de la fecha del paquete de ventas. Después de esa fecha usted no podrá usar la(s)
Tarjeta(s). Si aún tiene fondos en su Tarjeta después de la fecha de expiración, llámenos dentro de noventa (90) días siguientes a
dicha fecha al número telefónico de atención al cliente indicado en este Acuerdo. Seguiremos cobrando los cargos administrativos
mensuales hasta que usted nos comunique sus instrucciones. Usted puede pasar sin cargo alguno el saldo de su Tarjeta a una
nueva en el plazo de los noventa (90) días siguientes a la fecha de expiración, o puede recibir un cheque por ese saldo menos el
cargo de $5.00 por procesamiento. Si no se comunica con nosotros en el plazo de los noventa (90) días siguientes a la fecha de
expiración, podemos cobrar hasta $10.00 por cancelar su Tarjeta. Cualquier saldo restante será manejado de acuerdo con las leyes
aplicables.
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| 16. Información sobre su derecho a establecer una disputa por errores |
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Para errores o preguntas sobre sus transacciones electrónicas, llame al 800-995-3061 (línea gratuita) o escriba a IDT Financial
Services LLC, Cash2Go Card Services, 520 Broad Street, Newark, NJ 07102 si cree que el informe o el recibo de su cuenta contiene
errores, o si necesita más información sobre la transacción indicada en el informe o el recibo de su cuenta. Puede comunicarse
con nosotros a más tardar a los sesenta (60) días siguientes al envío del PRIMER informe en el que apareció el problema o
error.
1. Proporciónenos su nombre y el número de su Tarjeta.
2. Describa el error o la transacción de la cual no está seguro, y explique por qué cree usted que es un error o por qué nece sita más información.
3. Indique la cantidad en dólares del posible error.
4. Se requerirá la prueba o los documentos del error.
Si proporciona esa información de forma oral, podemos pedirle que envíe su queja o pregunta por escrito dentro de los siguientes diez (10) días laborales.
Después de esos diez (10) días laborales determinaremos si ocurrió un error y lo corregiremos enseguida. Sin embargo, si necesitamos
más tiempo podremos tardar hasta cuarenta y cinco (45) días para investigar su queja o pregunta. Si decidimos hacer esa
investigación, acreditaremos en su Tarjeta la cantidad que usted cree errónea para que pueda disponer de ese dinero durante el
tiempo que demore la investigación. Si le pedimos que presente su queja o pregunta por escrito y usted no lo hace dentro de los
siguientes diez (10) días laborales, podremos no acreditar la cantidad en su Tarjeta.
En relación con los errores relacionados con nuevas Tarjetas o las transacciones iniciadas en el extranjero, podremos tardar hasta
noventa (90) días para investigar su queja o pregunta.
Le comunicaremos los resultados dentro de los tres (3) días laborales posteriores al término de la investigación. Si determinamos
que no hubo error, le enviaremos la explicación por escrito. Puede obtener copias de los documentos usados en la investigación
si se comunica con:
IDT Financial Services LLC
520 Broad Street, 15th Floor
Cash2Go Card Services
Newark, NJ 07102
800-995-3061
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| 17. Si hay un conflicto entre las traducciones del inglés y el español, la versión en inglés será la que predomine para todos los propósitos legales. |
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| 1. Terms and Conditions
for the Value2Go Prepaid Visa® Card |
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| This document constitutes
the agreement ("Agreement") outlining the
terms and conditions under which a Value2Go
Prepaid Visa Card has been issued to you.
By accepting and using this Card, you agree
to be bound by the terms and conditions
contained in this Agreement. In this Agreement,
"Card" means the Value2Go Prepaid Visa Cards
issued to you by BANKFIRST. "Card Account"
means the records we maintain to account
for the value of claims associated with
the Card. You acknowledge and agree that
the value available on the Card is limited
to the funds that you have loaded onto the
Card, or have been loaded onto the Card
on your behalf. IDT Financial Services LLC
acts as the Value2Go program marketing company
and administers all operations. "You" and
"your" means 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 BANKFIRST, our
successors, affiliates or assignees. You
agree to sign the back of the Card immediately
upon receipt. The Card will remain the property
of BANKFIRST and must be surrendered up
on demand. The Card is nontransferable,
and it may be canceled, repossessed, or
revoked at any time without prior notice
subject to applicable law. Please read this
Agreement carefully and keep it for future
reference. |
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| 2. Definitions |
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| The Card is a prepaid
card. The Card allows you to access funds
you place on the Card. The Card is not connected
in any way to any other account. The Card
is not a credit card. You will not receive
any interest on your funds on the Card.
The funds on your Card are FDIC insured;
BANKFIRST, Member FDIC.
Our business days are
Monday through Friday excluding holidays.
Saturday, Sunday, and federal holidays
are not considered business days, even
if we are open. |
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| AUTHORIZED USERS |
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| You may permit another
person to have access to your Card or Card
number. However, if you do, you are liable
for all charges made by those persons. You
are responsible for all charges and fees
incurred by any other person you have authorized.
You are wholly responsible for the use of
each Card according to the terms of this
Agreement. |
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| PERSONAL IDENTIFICATION
NUMBER ("PIN") |
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| We will give you a Personal
Identification Number ("PIN"). You may use
your Card to obtain cash from any Automated
Teller Machine ("ATM") that bears the Visa
brand. ATM machines require your PIN to
be entered to complete the requested transaction.
All ATM transactions are treated as cash
withdrawal transactions. You should not
write or keep your PIN with your Card. If
you believe that anyone has gained unauthorized
access to your PIN, you should advise us
immediately, following the procedures in
the paragraph labeled "Your Liability for
Unauthorized Transfers." |
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| LOADING YOUR CARD |
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