Electronic Fund Transfer Rights and Error Resolution Policy

Effective as of December 28, 2012

Electronic Fund Transfer Rights and Error Resolution Policy

1. Consumer Liability. You can inspect your transaction history at any time by logging in to your account on the KliknPay™ website and "View Recent Payments" under the "Reports" tab. All questions about transactions made with your Access ID must be directed to us (Klik Technologies, Corp.™ or “Klik”), and not to the bank or other financial institution where you have your account. We are responsible for the KliknPay™ service and for resolving any errors in transactions made with your Access ID.

We will not send you a periodic statement listing transactions that you make using your Access ID and KliknPay™. The transactions will appear only on our Reports tab, as well as on the statement issued by your bank or other financial institution. If you have any questions about a transaction made through KliknPay™, contact us via email or US mail at the email address and mailing address indicated below.

It is very important that you tell us AT ONCE if you believe your Access ID has been lost or stolen. Email is the best way of keeping your possible losses down. Under applicable regulations, the extent of your liability for an unauthorized transaction is largely determined by your promptness in notifying us if someone has gained access to your password, or if a transfer posted on our Reports tab is incorrect or unauthorized. Notifying us quickly limits your liability.

If you believe your Access ID has been lost or stolen, and you tell us within 4 business days after you learn of the suspected loss or theft, you can lose no more than $50 if someone used your Access ID without your permission.

If you do NOT tell us within 4 business days after you learn of a loss or theft of your Access ID, and we can prove we could have stopped someone from using your Access ID without your permission if you had told us, you could lose as much as $500.

Also, if you do not tell us within 90 days after the date on which the payment appears on the Reports tab, you may not get back any money you lost after the 90 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

2. Contact in event of unauthorized transfer. If you believe your Access ID has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact us immediately. Email is the fastest way of contacting us. Contact information for Klik is as follows:

E-mail address:    customercare@klik.com

Mailing address:   Klik Technologies, Corp. ™
                            P.O. Box 10128
                            Newark, NJ 07102-3128

3. Business days. For purposes of these disclosures, our business days are Monday through Friday 9AM to 5PM Eastern time. Holidays are not included. You may contact us by email at customercare@klik.com 24 hours a day, 7 days a week; however, if you choose to do so, please be advised that incoming emails are only read between the hours of 9AM to 5PM Eastern time on business days.

4. Confidentiality. We will disclose information to third parties about your account or the transfers you make:

Where it is necessary for completing transfers, or
In order to comply with government agency or court orders or where otherwise required or permitted by law, or
If you give us your written permission.

Your nonpublic personal information will not be shared with third parties or affiliates for their marketing purposes, unless you have requested us to do so. Klik’s Privacy Policy is posted on its websites.

5. Preauthorized payments

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, in order to stop any of these payments, you must log onto your account, select “Recurring Payment” from the user menu, and click on the “Stop" button. This will stop all future recurring payments, unless rescheduled by you. To stop a non-recurring payment, you must notify us via email at: customercare@klik.com or by mail to Klik Technologies, Corp. ™, P.O. Box 10128, Newark, NJ 07102-3128, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. You may deactivate your account by contacting us at customercare@klik.com.

Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments as provided above, and we do not do so, we will be liable for your losses or damages.

6. In Case of Errors or Questions About Your Electronic Transfers. To notify us if you believe there has been an error or unauthorized transaction or if you need more information about a transfer, contact us via email at customercare@klik.com, or write Klik Technologies, Corp. ™, Attn: Error Resolution Department, P.O. Box 10128, Newark, NJ 07102-3128 as soon as you can. We must hear from you no later than 90 days after the transaction was posted on the Reports tab. In your notification, you must:

Tell us your name and account number (if any).
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 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 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the funds during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

7. Our Liability For Errors. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have enough available funds in your account to make the transfer.
If the system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

In the event that we discover a processing error, whether the error is in your favor or Klik’s favor, we will rectify the error. If the error results in more money being transferred from your account than authorized, Klik will credit your account for the amount of money you should have received. If the error results in less money being transferred from your account than authorized, then Klik reserves the right to correct the transactions that were incorrectly executed, regardless of the nature and cause of the error.

8. Changes to this Policy. In the event that we make changes to this Electronic Fund Transfer Rights and Error Resolution Policy in a manner that will adversely impact you, we will provide you with at least 21 days prior notice by sending you an email to your most current email address on record with us. The revised Policy will also be posted on our websites.

9. Business Accounts. The limitations on customer liability set forth in this Electronic Fund Transfer Rights and Error Resolution Policy do not apply to accounts held by businesses. Business customers agree to promptly review all statements, notices and transaction information made available to them, and to report all unauthorized transactions and errors to us immediately. Business customers agree that we may process payment and transfer instructions which are submitted with a correct Access ID, and agree that such instructions will be deemed effective as if made by them, even if they are not in fact transmitted or authorized by the business customer.