Addendum to Online Banking Agreement & Disclosure
THERE IS NO CHARGE FOR MOBILE BANKING IF YOU HAVE A MOBILESMART CHECKING ACCOUNT. OTHERWISE, THERE IS A $5.00 MONTHLY FEE FOR MOBILE BANKING.
As an additional delivery channel for our Online Banking service, NVE Bank may provide to you mobile banking services which include, by way of example and not limitation, short message service (“SMS”) text banking, mobile web browser banking, and banking initiated by means of a downloadable application, accessible via a wireless handheld device such as a cell phone, smartphone, personal digital assistant or tablet computer (“Mobile Banking” or the “Service”). By enrolling in the Service, you agree to all the terms and conditions contained in this Agreement and Disclosure (the "Agreement"). We may offer additional Mobile Banking services and features in the future. Any such added Mobile Banking services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking service or feature is added and/or at the time of enrollment for the feature or service, if applicable. From time to time, we may amend these terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by law.
As used in this Agreement, the following words have the meanings given below:
III. The Service
A. Description of Service.
Mobile Banking is offered as a convenience to you and as a supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your Accounts and services with us. Mobile Banking allows you to access your Account information, make payments to existing payees, transfer funds and conduct other banking transactions.
B. Use of Service.
In order to properly use Mobile Banking, you should review and follow the instructions provided on our website. You agree to accept responsibility for learning how to use
C. Other Agreements.
You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.
There may be fees from the Bank for using Mobile Banking or any other service that can be accessed through Mobile Banking via Online Banking and Bill Pay. You agree that you are aware of the fees to use these services and you agree to pay for any fees generated by your use of these services. Fees may be automatically debited from your Account. The Service is separate and apart from any other charges that may be assessed by your wireless carrier for text messages sent to or received from the Bank. You are responsible for any fees or other charges that your wireless carrier may charge for any related data or message services, including without limitation for SMS.
IV. Permitted Mobile Banking Transfers.
You may use the Service to access your Accounts and conduct transfers that you agreed to in the Online Banking Agreement and Bill Payment Service Terms and Conditions. You must have sufficient funds available in the selected Account at the time the transfer request is received.
V. Your Responsibilities
You represent and agree to the following by enrolling in or using the Service:
A. Account Ownership/Accurate Information.
You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your Account information. You agree to keep your Account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking.
B. User Security.
You agree to take every precaution to ensure the safety, security and integrity of your Account and transactions when using Mobile Banking, including, if and when applicable, accepting all mobile application upgrades in a timely manner. You agree not to use any personally identifiable information when creating shortcuts to your Account. You agree not to leave your Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person, including anyone claiming to represent us. If you permit other persons to use your Device, login information, or other means to access Mobile Banking, you are responsible for closely and regularly monitoring their activities and any transactions they authorize, notifying the Bank immediately if you have any reason to believe the security or confidentiality required by this provision has been or may be breached, and immediately changing your password if you know or suspect the confidentiality of the password has been compromised in any way. We will not be liable for any damages resulting from these activities. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. We reserve the right at all times to take actions to protect our systems and information, including denial of access to users of the Service.
C. User Conduct.
You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking; (i) interfere with or disrupt any other user’s use of Mobile Banking; or (j) use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.
D. No Commercial Use or Re-Sale.
You agree that the Service is only for your personal use, or the use of individuals authorized to access your Account information. You agree not to make any commercial use of Mobile Banking or resell, lease, rent or distribute access to Mobile Banking.
You agree to indemnify, defend and hold harmless the Bank, its affiliates and our providers of services and their respective affiliates, and each of our and their respective officers, directors, employees, consultants, agents, shareholders, service providers and licensors from any and all third party claims, actions, losses, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; (c) your violation of your responsibilities as described in this Agreement; or (d) your use, or a third party’s use, of Mobile Banking.
VI. License and Use of the Downloadable Application (Touch Banking)
the Bank offers their customers mobile access to their Account information (e.g., for checking balances and last transactions) via a downloadable application, Touch Banking – Fiserv, Inc. (“Touch Banking”).
VII. Privacy and User Information.
You acknowledge that in connection with your use of Mobile Banking, the Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). The Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.
VIII. Restrictions on Use.
You agree not to use Mobile Banking or the Software in connection with any illegal, fraudulent, unauthorized or improper manner or purpose. The Service and Software will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by the Bank, in its sole discretion, that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of the Bank or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose the Bank, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking; or (d) otherwise abuse Mobile Banking or the Software.
Miscellaneous. This Agreement constitutes the entire agreement between the parties concerning the subject matter hereof. This Agreement will be governed by and construed in accordance with the