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Our Privacy Pledge:

This notice is adopted in recognition of our obligations under Title V of the Gramm-Leach-Bliley Act of 1999.

We may collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law (i.e. subpoena, levies, summons or garnishments).

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.


You acknowledge and agree that we are not obligated to determine whether any federal, state or local tax applies to any transaction involving the use of your e-Wallet, nor are we responsible for collecting, remitting, or reporting any sales, use, income or other taxes arising from any such transactions.

No Waiver:

No failure by us to enforce the performance of any provision of this Agreement or to impose any fee or other amount allowed hereunder will constitute a waiver by us of our right to subsequently enforce such provision or any other provisions of this Agreement or to impose such fees or other amounts pursuant hereto.

Miscellaneous Provision:

If you or your e-Wallet Account becomes involved in any legal proceedings, your use of the e-Wallet Account may be restricted. You agree not to use the e-Wallet Account in any illegal activity. We shall be entitled to act upon any legal process served upon us which we reasonably believe to be binding, with no liability to you for doing so. You understand that supervisory personnel may randomly monitor customer service telephone conversations to ensure that you receive accurate, courteous, and fair treatment. If you ask us to follow instructions that we believe might expose us to any claim, liability, or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us. You agree to be liable to us, to the extent permitted by law, for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your Account including but not limited to, attorney’s fees. You authorize us to deduct any such loss, costs, or expenses from your e-Wallet Account without prior notice to you or to bill you separately. This obligation includes disputes between you and us involving your e-Wallet Account and situations where we become involved in disputes between you and a sub-account owner, or a third party claiming an interest in your e-Wallet Account. It also includes situations where any action taken on your e-Wallet Account by you, an authorized signer, a joint owner, or a third party causes us to seek the advice of an attorney, whether or not we actually become involved in a dispute. Any action by us for reimbursements from you for any costs or expenses may also be made against your estate, heirs and legal representatives, who shall be liable for any claims made against and expenses incurred by us. If you provide a mobile phone number to us, or if you call us from a mobile phone, you consent to accept calls from us to your mobile phone, including collection calls. If a court finds any provision of this Agreement invalid or unenforceable, such finding shall not make the rest of this Agreement invalid or unenforceable. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of this Agreement in all other respects shall remain valid and enforceable.

If you do not accept the terms, conditions, provisions and rules set forth in this Agreement, you will not be able to keep or make use of the e-Wallet Account.

By using your e-Wallet, you acknowledge and agree that: You have read and agree to this e-Wallet Account Agreement and Disclosure Statement.

You acknowledge receipt of the e-Wallet Account Privacy Policy set forth above.

VISA and the VISA Brand Mark are registered trademarks of VISA, USA Incorporated.Corp Incentive 2/01/2014