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You do not have to give us personally identifiable information in order to access and browse our Website. However, while on our Website, you may be able to order and buy products, enter promotions, sweepstakes or other contests, participate in a survey, complete a questionnaire or other "information request" form, or otherwise communicate with us, including via email and/or SMS/text messaging. In order to utilize, participate in or otherwise access such products, services or other offerings, you may be required to provide us with your personally identifiable information, which is information that, alone or in combination with other information, allows us to indentify you, such as your name, address, phone number, e mail address, contact preferences, credit card information, financial information or information relating to a support or service issue.
Users unwilling to provide personally identifiable information online can choose not to provide such information, and in some (but not all) situations users may be able to work with a sales representative or customer service representative to utilize our services or other site offerings without providing personally identifiable information.
IN ADDITION, IF YOU DO PROVIDE US WITH YOUR PERSONALLY IDENTIFIABLE INFORMATION, YOU HAVE THE ABILITY TO PREVENT US FROM SHARING YOUR INFORMATION WITH THIRD PARTIES IF YOU WISH, AS DESCRIBED BELOW UNDER "Your Options Regarding Personally Identifiable Information".
Information about our customers is an important part of our business, and we share personally identifiable information collected on our Website with unaffiliated third parties only as described below. (Please see "Your Options Regarding Personally Identifiable Information" below for information on how to avoid having your personally identifiable information shared by us.)
Except where we believe the release of your personally identifiable information is necessary or appropriate (a) to allow third party service provider functions on our behalf or (b) to comply with law, enforce or apply our Website Terms and Conditions and other agreements, or protect the rights, property or safety of our company, our users or others, you may opt out of our sharing of your personally identifiable information with unaffiliated third parties by sending us an email with "OPT OUT" in the subject line.
We use third-party advertising companies to provide advertisements to you when you visit our Website. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other websites in order to show you advertisements tailored to your interests on this and other websites and other interactive media and/or to keep track of your response to each ad. For more information on this practice, or to opt out of having this information used by these companies, please visit the Network Advertising Initiative here: http://www.networkadvertising.org/managing/opt_out.asp.
We have in place what we believe to be reasonable physical, electronic and managerial procedures to safeguard and help prevent unauthorized access of, maintain data security for and correctly use the personally identifiable information you have provided or that we otherwise collect on our Website. HOWEVER, WHILE SUCH EFFORTS ARE INTENDED TO ENSURE THE CONFIDENTIALITY OF YOUR PERSONALLY IDENTIFIABLE INFORMATION AVAILABLE TO US AS A RESULT OF YOUR USE OF OUR WEBSITE, WE CANNOT AND DO NOT WARRANT OR GUARANTEE THE ABSOLUTE SAFETY AND SECURITY OF YOUR PERSONALLY IDENTIFIABLE INFORMATION.
You may obtain information regarding the personally identifiable information that you provide or we collect about you via our Website to view and correct any factual errors in such information. Access to personally identifiable information that you provide or we collect via our Website may be accessible for a limited period of time after the point of collection. For example, if you created a password-protected account within our Website, you may return to that portion of the Website to review the personally identifiable information you provided. Alternatively, you may request information about or corrections to your personally identifiable information by sending an e-mail or letter to the street or e-mail address for our business headquarters, the contact information for which can be found via the "Contacts" page accessible on our Website homepage.
Access to and use of this Website is subject to compliance with this Website's Terms and Conditions.
To unsubscribe from email communications from us, please send us an email with "UNSUBSCRIBE" in the subject line.
This Website you are visiting is a general audience website and was not designed for children. We are not responsible for any access or use of this Website by children. (By way of example, this Website is not intended to sell products for purchase by children.) If you are under 18, you may use our Website only with the involvement of a parent or guardian.
Access to and use of this Website is subject to compliance with this Website's Terms and Conditions.
If you have any questions, please contact us at our business headquarters, the contact information for which can be found via the "Contacts" page accessible on our Website homepage.
Welcome to Gatto Cycle Shop (“us”, “our” or “we”) website, www.gattocycle.com (the "Website"). To promote a safe, non-offensive environment for all visitors to our Website, we have established these "Terms and Conditions". The terms and conditions that apply to your access to and/or your use of this Website (and the information, products and services available through this Website), and our use of any communications or User Content (defined below) that you submit to us or post on this Website, are set forth in these Terms and Conditions. By accessing or using any areas of our Website, you accept and agree to all of the terms and conditions herein and you agree to be bound by these Terms and Conditions, which form a legally binding agreement. If you do not agree to all of the Terms of Conditions, please do not use this Website.
All rights not expressly granted to you by us in these Terms and Conditions are reserved to us, and you acknowledge that you do not acquire any ownership rights by accessing or downloading any material, whether or not copyrighted, from this Website as authorized hereunder.We reserve the right to refuse service, terminate accounts, and/or cancel orders at our discretion, including, but not limited to, if we believe that your conduct violates applicable law or is harmful to our interests or businesses, or to our customers, affiliates, licensors or licensees.
This Website and all content displayed on this Website and all software, data and information used to provide this Website, including text and images, method of display and presentation, source code, embedded routines and programs and other materials, as well as all copyrights, trademarks, patents and other intellectual property rights therein or thereto, are owned by us or our affiliates, licensors or licensees, and are protected under worldwide patent, copyright, trademark and other applicable laws and treaties, including, without limitation, applicable trade secret laws. We grant you the limited and nonexclusive right and license to access or download a single copy of the content from this Website solely for your personal and non commercial use and as necessary in connection with the use of any services available through this Website.
Except as expressly authorized in these Terms and Conditions, you may not modify, distribute, reproduce, display, or use this Website or any elements thereof. Furthermore,
In addition to and not in limitation of any of the foregoing limitations and restrictions, you are expressly prohibited from using automated means (including but not limited to spiders, robots, crawlers, scrapers, deep links, data mining, data gathering or extraction tools and the like), or any other automated methodology, algorithm or device or any manual process, to for any purpose monitor, copy, download or otherwise access data or content from this Website. A limited exception to the foregoing limitations and restrictions is provided to general purpose internet search engines and non-commercial public archives that use such tools to gather information for the sole purpose of displaying hyperlinks to this Website, provided they each do so from a stable IP address or range of IP addresses using an easily identifiable agent and comply with our applicable policies and procedures in effect from time to time.
This Website includes certain trademarks and service marks owned by us and/or our affiliates or third parties. You agree not to copy, use or otherwise infringe upon or dilute these trademarks or service marks. You further agree that you will not alter or remove any copyright, trademark or other notices from any of Website content.
We provide the content, information and other materials available through our Website for informational purposes only. You may use the content, information, consumer reviews, data and materials from, and the products and services available through, this Website solely for your personal and non-commercial use. Before you act on any information you have found on our Website, you should independently confirm any facts that are important to your decision. IF YOU RELY ON ANY CONTENT, INFORMATION OR OTHER MATERIALS, PRODUCTS, OR SERVICES AVAILABLE THROUGH OUR WEBSITE, YOU EXPRESSLY AGREE THAT YOU DO SO SOLELY AT YOUR OWN RISK. YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS YOU MAY INCUR THAT RESULTS FROM YOUR USE OF ANY CONTENT, INFORMATION OR OTHER MATERIALS, PRODUCTS OR SERVICES.
To protect the account information of our Website members, where applicable, we may assign to you either a unique user name or password or a unique ad ID number. These unique identifiers are disclosed to the user via email immediately upon becoming a member of this Website. Only members have the ability to modify their personal information and delete their ads as needed.
In order to purchase products or services from this Website, you must be at least eighteen (18) years of age and use a credit card. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in the exercise of our sole discretion.
We have in place what we believe to be reasonable physical, electronic and managerial procedures to safeguard and help prevent unauthorized access of, maintain data security for and correctly use the information we collect online. However, while such reasonable efforts are intended to ensure the confidentiality of your private and personal information available as a result of your use of this Website, we cannot and do not warrant or guarantee the absolute safety and security of confidential data on the Internet.
You may have the opportunity to post or otherwise submit content and information, including but not limited to consumer reviews, opinions, data, materials or other postings or communications (collectively, “User Content”), to us via this Website, whether by posting to a public area of this Website (e.g., blogs or message boards) or by other submission to us through email, SMS/text messages or other means of electronic communication. By submitting any such User Content to us or posting any such User Content in any public area of this Website, you: (i) grant us and our affiliates and licensees the royalty free, perpetual, irrevocable, non exclusive right and license to use, reproduce, modify, adapt, aggregate, translate, prepare derivative works from, publicly display, publicly perform and distribute such User Content (in whole or in part) alone or as incorporated into other works in any form, media or technology now known or hereafter developed, on a worldwide basis; (ii) grant us and our affiliates and licensees the right to use the name that you use in connection with such submission or post, if and to the extent any or all of them so choose; and (iii) represent and warrant that you own or otherwise control all of the rights to the User Content that you submit or post, the User Content is accurate and the use of the User Content you supply or post does not violate these Terms and Conditions and will not cause injury or damage to any person or entity. You also permit any other user of this Website to access, view, store or reproduce your User Content for that user’s personal use, which such use may include disclosure to third parties. By posting or submitting such User Content, you hereby waive any claim that we misappropriated any such User Content or any portions thereof.
We respect the rights of all copyright holders and in this regard has adopted and implemented a policy that provides for the removal of content from this Website under certain circumstances. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information required by the Digital Millennium Copyright Act, 17 U.S.C. 512:
For copyright inquiries, including notification of claims of infringement, please contact our Copyright Agent at: email@example.com.
We may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of this Website, or to identify, contact or bring legal action against you or anyone else who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, or the rights or property of visitors to or users of this Website, including our customers. We reserve the right at all times to disclose any information that we deem necessary to comply with any applicable law, regulation, legal process or governmental request. We also may disclose your information when we determine that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes. You acknowledge and agree that we may preserve and store any communication by you with us through this Website or any service offered on or through this Website and may also disclose such data if required to do so by law or if we determine that such disclosure is reasonably necessary to (i) comply with legal process, (ii) enforce these Terms and Conditions, (iii) respond to claims that any such data violates the rights of others, or (iv) protect our rights, property or personal safety and/or our affiliates, employees, users of or visitors to this Website or the public.
YOU AGREE THAT OUR WEBSITE AND ALL CONTENT, INFORMATION OR OTHER MATERIALS, PRODUCTS OR SERVICES AVAILABLE THROUGH OUR WEBSITE ARE PROVIDED BY US ON AN “AS IS,” “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND THAT YOUR USE OF OUR WEBSITE AND ALL CONTENT, INFORMATION OR OTHER MATERIALS, PRODUCTS OR SERVICES AVAILABLE THROUGH OUR WEBSITE IS ENTIRELY AT YOUR OWN RISK. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE, AND OUR AFFILIATES, LICENSORS AND LICENSEES, SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED BY STATUTE OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, WITH RESPECT TO THIS WEBSITE AND/OR YOUR USE THEREOF.
NEITHER WE, NOR OUR AFFILIATES, LICENSORS OR LICENSEES, SHALL HAVE ANY LIABILITY FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN THE CONTENT, INFORMATION OR OTHER MATERIALS, PRODUCTS OR SERVICES CONTAINED WITHIN OR OTHERWISE AVAILABLE THROUGH OUR WEBSITE. IN NO EVENT SHALL WE, OR OUR AFFILIATES, LICENSORS OR LICENSEES, BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES, OTHER THAN DIRECT DAMAGES, ARISING OUT OF YOUR ACCESS TO OR USE OF, OR INABILITY TO USE, OUR WEBSITE OR ANY CONTENT, INFORMATION OR OTHER MATERIALS, PRODUCTS OR SERVICES WITHIN OR OTHERWISE AVAILABLE THROUGH OUR WEBSITE OR OUR USE OF ANY MATERIALS THAT YOU PROVIDE TO US. IN ADDITION TO AND NOT IN LIMITATION OF THE FOREGOING LIMITATION OF LIABILITY, IN NO EVENT SHALL WE, OR OUR AFFILIATES, LICENSORS OR LICENSEES, BE LIABLE TO YOU OR ANYONE ELSE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR SIMILAR DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST REVENUES OR PROFITS, OR LOSS OF BUSINESS OR DATA), EVEN IF WE OR ANY SUCH OTHER PERSON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Without limiting the foregoing, you agree that our entire aggregate liability, if any, arising out of any kind of legal claim (whether in contract, tort or under any other legal theory) arising out of your access to or use of, or inability to use, our Website or any content, information or other materials, products or services within or otherwise available through our Website, or our use of any materials that you provide to us, will not exceed one hundred dollars ($100).
Because some states/jurisdictions may not allow the exclusion or limitation of liability for consequential or incidental damages, some of these limitations may not apply to you.
You hereby agree to indemnify, defend and hold harmless us, and our affiliates, licensors and licensees, from and against any and all claims, costs, demands, losses, damages and expenses, including, without limitation, attorneys’ fees, arising from or relating to:
Your use of our Website for spamming is strictly prohibited. By using our Website, you agree not to use information concerning other users of our Website, or any items such users have listed or searched for on our Website (including listing information, user names, email addresses, telephone numbers, and/or other information), for any purpose that is not expressly permitted by these Terms and Conditions. You may not post information directed to or collect personal information from any minor.
You agree that all notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
You shall use our Website and the content, information or other materials, products and services within or otherwise available through our Website for lawful purposes only. Any conduct by you that in our judgment and discretion restricts or inhibits any other person from using or enjoying our Website or the content, information or other materials, products or services within or otherwise available through our Website will not be permitted.
You agree that any and all causes of action arising out of or relating to our Website or the content, information or other materials, products or services within or otherwise available through our Website shall be resolved individually, without resort to any form of class action.
If for any reason a court of competent jurisdiction finds any provision of these Terms and Conditions, or portion thereof, to be unenforceable, all other terms and conditions shall remain in full force and effect.
Our failure to enforce any provision of these Terms and Conditions will not be deemed a waiver of future enforcement of that or any other provision of these Terms and Conditions.
If you have any questions, please contact us at firstname.lastname@example.org.
1.What is the purpose of the Privacy Notice?
The Privacy Notice lets our customers know how their personal information is collected and used. Our Privacy Notice explains the how we keep the information that we collect confidential and secure, along with the parties with whom may share that information.
2.Where can I get a copy of your Privacy notice?
Our Privacy Notice is always available online by clicking here. Once a year, we provide customers with an updated copy of our Privacy Notice. You may request a copy by mail by calling customer service.
3.What is personally identifiable information?
We refer to the information we collect or maintain about you in connection with your account as personal identifiable information. Some examples include your name, address, phone number, and that you are a DriveSmart client.
4.Where does DriveSmart get information about me?
When a consumer looks to open account with us we start to collection information to verify identity and match you with the products that best fit your needs. We also collect information regarding the experiences at our consumer touch points. We use this information to see which program and service are of interest.
5.Why does DriveSmart need to collect information about me?
The information that we collect is intended to enhance the customer experience and optimize services. Secondly, the personal information helps us maintain a high level of security for you and your family against fraud and identity theft. When you call one of our service centers we verify your personal information prior to accessing your account information. Additionally, by building a relationship with our customers we are able to tailor products to better meet your individualized needs from us and our affiliates.
6.How do I benefit from DriveSmart collecting and sharing limited customer information about me with other companies?
The personal information helps us maintain a high level of security for you and your family against fraud and identity theft. When we share information with our affiliates, we suggest certain products that may benefit you. This benefits you by providing a larger selection of vehicles to choose the perfect car for you; and (2) by providing access to more flexible and cheaper auto finance programs.
7.How does DriveSmart safeguard information about me?
Information security and confidentiality are a priority at DriveSmart. We use the following initiatives and policies to comply with and exceed federal regulatory requirements for information protection:
8.What is the difference between the DriveSmart Privacy and Opt Out Notice and the DriveSmart Online Privacy Statement?
The Privacy and Opt Out Notice is DriveSmart’s personally identifiable information collection and use notice that covers the all aspects of the customer relationship for customers of the affiliates listed in the notice. The Online Privacy Statement is limited to DriveSmart’s online data collection and use practices and applies to customers and non-customers alike.
9.Is DriveSmart's Web site secure?
We have implemented the following policies and initiatives to ensure secure Internet services:
Many websites use a small electronic file called a cookie that tracks your activities when you visit our site. DriveSmart uses this information to better understand the customer experience and which programs are most useful. Cookies enable us to have a clearer picture of the car buying journey by recognizing when you return to our site.
You can changes the preferences in your web browser to disable or restrict cookies. Your decision not to accept cookies could limit some functions and access to some of the services that are available on our Web site.
11.How can I best protect personal account information after I have viewed it online?
Be sure to logo out once you have completed you transactions in the DriveSmart Access Portal by clicking “log out” in the top right hand corner of the screen. Once you have successfully logged out of the system you will receive a confirmation message. Not logging out could endanger the security of your personal information by potentially allowing others using the same computer to access information saved or cached in the browser’s memory.
12.What is a Web bug?
13.As a customer, do I have to let DriveSmart share my information?
If you do not want us to share your personal information with our affiliates you may direct us not to do so, other than permitted by law. This is known as opting out. To opt out, call out customer service team toll free at 1-800-78SMART or visit preferences.drivesmartauotmart.com.
14.If I opt out, how long will it take for me to stop receiving offers after I contact DriveSmart?
We typically process opt out requests within 48 hours of receipt. It may take several weeks for our marketing offers to stop due to your name being selected prior to the request taking effect.
15.If I received your Privacy Notice several months ago, may I still opt out?
Yes, you have the right to opt out at any time.
After I opt out, can I change my mind if I decide that I want to take advantage of marketing offers for DriveSmart's products and services?
To change your preferences write us at DriveSmart, Attention: Privacy Reversal, PO Box 6251, Pittsburgh, Pa 15212.
16.How do I opt out of e-mail marketing?
To opt out of receiving email advertisements from DriveSmart about products and services, submit your unsubscribe request at preferences.drivesmartautofinance.com
To better protect the information of our customers, DriveSmart has implemented the following programs and initiatives:
All Social Security numbers and Date of Birth information that is collected through any channel or retained in any way by DriveSmart Auto Finance in connection with customer, employee or other relationships are managed accordingto the same practices.Individuals applying for or obtaining a product or service from us to be used primarily for personal, family or household purposes may obtain more information by reviewing our Privacy and Opt OutNotice.
This Agreement governs your use of the Capital One Online Banking and Bill Payment Services (the "Services", as further defined below). Use of the Services is expressly conditioned on your acceptance of this Agreement. By using the Services, you acknowledge that you have read and agree to abide by the terms and conditions of this Agreement. If you decide not to agree to the terms and conditions discussed herein, you may not use the Services.
This Agreement is hereby made a part of the Terms and Conditions for capitalone.com and the Terms and Conditions for capitalonebank.com, and all such Terms and Conditions apply to your use of the Services on this Web site (the "Online Banking Site").
In addition to this document, in connection with your use of the Services, you may be subject to, and/or required to agree to, various guidelines, rules, schedules, disclosures, disclaimers and other terms that we may post on the Online Banking Site or any other Capital One Site (as defined below) or otherwise provide or make available to you from time to time. Furthermore, if you use certain features, products or services available on or through the Services, you will be subject to, and/or required to agree to, separate user agreements, customer agreements or similar agreements governing or relating to such features, products or services. All such guidelines, rules, disclosures, disclaimers, user agreements or similar agreements, and other terms and conditions (collectively, "Additional Agreements") are hereby incorporated by reference into this Agreement. Additional Agreements shall include, without limitation, agreements, rules or other terms governing any checking, savings or other deposit accounts, loan, line of credit and credit card accounts, investment accounts and any other accounts that you may view, modify or otherwise access while using the Services; fee schedules; our electronic funds transfer agreement and disclosures; our Online Bill Payment Authorization and Agreement; and your signature card. If the terms and conditions of this Agreement conflict with the terms and conditions contained in any Additional Agreement solely as they apply to online banking and online bill payment services, this Agreement controls; provided, that the terms and conditions of this Agreement are not intended to modify any disclosures or other terms that are required by law and that are provided by Capital One in an Additional Agreement.
This Agreement shall apply regardless of the means by which the Services are accessed, including, but not limited to, through the URL address http://www.drivesmart.com,http://www.drivesmartautofinance.com, electronic mail, or links from another Web site via a computer, mobile device, or any other means of access.
The words "we", "us", and "our" are used throughout this agreement and collectively mean DriveSmart Auto Finance, its subsidiaries and affiliates (including, without limitation, DriveSmart N.A., DriveSmart Auto Finance, and DriveSmart Auto Mart) and all of their respective successors or assigns. However, with respect to a specific account to which the Online Banking Site provides you access, "DriveSmart", " we", "us " or "our" shall be understood to refer to the particular entity in the DriveSmart family of companies that offers such account. Please consult your account agreement(s) for information about the DriveSmart company servicing your individual account(s). "You" or " your" mean each Authorized Person (as defined below) who has an interest in an account with DriveSmart which is accessible through the Services or through the Online Banking Site. Whenever "you" is more than one person with respect to any such account or relationship, the obligations and agreements applicable to you under this Agreement shall be deemed to be joint and several and solidary wherever appropriate.
Unless otherwise indicated, "account" and "accounts" mean the checking, savings or other deposit account(s), loan account(s) and other account(s) that are tied to your Social Security Number, Tax Identification Number or other unique identifier provided to you by C.R.S. 12-43.3-403 et. seq. (your "Customer Number") and that are used through the Services, and any other account that you may add to your online banking profile (as further set forth below). "Authorized Person " means, with respect to an individual account, each person who has an interest in or authority to transact business in such account and, with respect to an entity account, each person listed as an authorized signor on the signature card for such account or otherwise authorized to transact any business with respect to such account. "Personal Account" means any asset account established by a natural person primarily for personal, family or household purposes. "Business Account" means any account that is not a Personal Account.
"Payment Account " means any account designated by you from which payments will be made through the bill payment features of the Services (whether or not through Online Bill Pay (as defined below)). The Payment Account that you designate for these services may or may not be a Capital One account depending on the service used. For further information, please contact your Account Officer or Online Banking Customer Service at 1-877-442-3764. "Online Bill Pay " refers to the services we provide through our online bill payment service, which is governed by our Online Bill Payment Authorization and Agreement. "Scheduled Payment Date" is the day you want your Payee to receive your bill payment, unless the Scheduled Payment Date falls on a non-Business Day in which case the Scheduled Payment Date will be considered to be the previous Business Day. "Due Date" is the date on which payment to a Payee is due as reflected on the billing statement that you receive from that Payee. It is not the late date or grace period. "Scheduled Payment" is a payment that has been scheduled through the Services but has not been processed. "Payee" is the person or entity to which you wish a bill payment to be directed.
"Business Day " is every Monday through Friday, excluding Federal Reserve holidays. "Capital One Site " shall mean any Web site owned or operated by a member of the Capital One family of companies that contains information about available products and services and/or terms and conditions relating to any accounts, account information and/or transactions that you may view, perform, modify or otherwise access or use while using the Services. Capital One Sites shall include, without limitation, the Online Banking Site, https://mobilebanking.capitalone.com , capitalone.com and capitalonebank.com.
"Computer " means your computer, computer system, mobile device, or any other method of access used to access a Capital One Site and all related equipment and software. "Internal Transfers " shall mean monetary transfers between your accounts held at Capital One. "External Transfers " shall mean monetary transfers between your accounts held at Capital One and an external financial institution.
DESCRIPTION OF SERVICES
The "Services " shall mean all information, materials, content, communications, features, products, services, methods of conducting transactions and transactions available, offered, made, obtained or otherwise provided or used (as applicable) on or through the Online Banking Site, including, but not limited to, the ability to: (a) transfer funds between certain accounts; (b) make bill payments through our Online Bill Pay service and schedule other payments to certain of your accounts; (c) obtain account balance and certain other account information for various Capital One accounts that you may have (including, without limitation, checking, savings or other deposit accounts, loan accounts, credit card accounts and investment accounts); (d) obtain transaction information on certain of your accounts; (e) download certain account transactions to your Computer; (f) update your address; (g) view online statements; (h) view online check images; (i) order statement copies; (j) order check copies; and/or (k) re-order checks for checking account(s) established at a banking office of Capital One. These features are limited to the extent, and subject to the terms, noted herein and in any Additional Agreements that apply to you. The Services shall also be deemed to include any portion of the Online Banking Site and any software used to operate the Services. Subject to all terms hereof, you may use the Services seven days a week, twenty-four hours a day, except for any scheduled or unscheduled interruptions in the Services for maintenance, security or any other reasons, as further described below.
Certain features, information, types of transactions or other services available while using the Services are only available for certain Capital One accounts and may not be available when accessing the Services via mobile device or for all of your Capital One accounts. For certain of your accounts, you may be able to hyperlink from the Online Banking Site to another Capital One Site relating to such accounts, where you may be able to access features, information, transactions or other services pertaining to those accounts that you cannot access directly on the Online Banking Site (and that thus are not deemed a part of the Services).
SECURITY; CONFIDENTIALITY OF ACCESS INFORMATION
Use of the Services requires a computer or approved mobile device and Internet access connected through an Internet or mobile service provider and with a web browser (for example, Firefox or Microsoft Internet Explorer).
To provide the highest degree of confidentiality and to protect the security of your financial information, you must have an Internet browser that supports 128-bit encryption and secure sockets layer version 3.0 or higher. Use of the Services with lower than 128-bit encryption is strictly prohibited. To the extent you are able to access the Services using lower than 128-bit encryption, we specifically disclaim any and all responsibility for losses resulting from your use of such lower encryption. We may change these requirements from time to time.
You agree to keep your Customer Number, user ID, password, password reminder question and answer and any other security or access information (collectively, "Access Information ") confidential to prevent unauthorized access to your account(s) and to prevent unauthorized use of the Services. We recommend that you memorize your Access Information and do not write it down. You agree not to give or make available your Access Information to any unauthorized individual. If you believe the security of your password or any other Access Information has been compromised in any way (for example, your password has been lost or stolen, someone has attempted to use the Services under your Customer Number without your consent, your accounts have been accessed, or someone has transferred money from your account(s) without your permission), you must notify us immediately. (See YOUR RESPONSIBILITIES AND LIABILITIES below.)
We reserve the right, under certain circumstances, to deny your access to any one or more account(s) or to the Services or any part thereof, or to deny the processing of transactions, in order to maintain or restore security or performance to the Online Banking Site or any other Capital One Sites and systems. We may do so if we reasonably believe your Access Information has been or may be obtained or is being used or may be used by an unauthorized person(s).
ENROLLMENT IN SERVICES; ACCOUNTS WHICH CAN BE ACCESSED
In order to enroll in and use the Services, you will need your 9-digit Social Security or Tax Identification Number, unless otherwise expressly agreed by Capital One (provided Capital One shall have no obligation to so agree). If you do not have such a number and are interested in enrolling in the Services, you must contact Online Banking Customer Service at 1-877-442-3764.
You must also have opened at least one of the following accounts under your Customer Number: a checking, savings, money market, CD, IRA or other deposit account, or an installment loan, line of credit or other loan account, offered by Capital One, N.A.; a checking, savings, money market, CD, or other deposit account offered by Capital One Bank (USA), N.A; a Capital One Auto Finance loan account; or a MasterCard BusinessCard account issued by Capital One, N.A. (such accounts may be referred to as "eligible accounts"). Notwithstanding the foregoing, use of Online Bill Pay requires at least one eligible checking account with Capital One, N.A. or Capital One Bank (USA), N.A.
If you have more than one eligible Capital One account, we will automatically "link" your eligible accounts together for purposes of the Services, and all such accounts will appear in your online banking profile on the Online Banking Site, unless you request in writing that certain accounts not be linked. Unless you request in writing to the contrary, any accounts for which you are an Authorized Person (including, without limitation, joint accounts for which you are one of multiple Authorized Persons) will appear in your online banking profile.
By enrolling in the Services, you authorize Capital One to process transactions for you as requested by you from time to time, and you authorize us to post transactions to your account(s) as directed. You further authorize Capital One to make automatic recurring payments in such manner as you direct.
Linking Your Capital One Credit Card Account(s) and Certain Other Accounts
While not eligible for automatic linking, once you have completed your enrollment in the Services, you may "link" your Capital One credit cards (other than the MasterCard BusinessCard, which is automatically linked as set forth above) so that they appear in your online banking profile on the Online Banking Site. If you have more than one such credit card account, each must be linked separately. Linking a credit card account to your online banking profile only allows you access to summary information about such credit card account, including balance, available credit and payment information. To get any other information or conduct any activity on such a linked credit card account, you must access the credit card servicing Web site known as "Online Banking - Credit Cards." You may access Online Banking - Credit Cards by hyperlink from your Capital One Online Banking session or from within capitalone.com.
You may also be able to link your Capital One investment, mortgage and auto loan accounts to your online banking profile.
All "linked" accounts (whether linked automatically or separately by you) will appear in your online banking profile on the Online Banking Site, and you will be able to view at least certain summary information for all such accounts. As set forth above, certain features, information, types of transactions or other services available while using the Services may not be available for all of your linked accounts. For certain of your linked accounts, you may be able to hyperlink from the Online Banking Site to another Capital One Site relating to such account, where you may be able to access features, information, transactions or other services pertaining to such account that you cannot access directly on the Online Banking Site. If you have a linked joint account or other account that requires two or more signatures to make withdrawals, transfers or transactions, you will not be able to perform certain transactions on such account using the Services. Any non-linked account(s) will not be accessible through the Services.
You agree that all electronic communications that we receive on the Online Banking Site or otherwise in connection with the Services, such as those directing us to take an action with respect to your account, that match Access Information or other identity information you have provided when enrolling in or using the Services will be deemed valid, authentic and binding obligations. Pursuant to law and regulations, these electronic communications therefore will be given the same legal effect as your written and signed paper communications, shall be considered a "writing" or "in writing" and shall be deemed for all purposes (i) to have been "signed" and (ii) to constitute an "original" when printed from electronic files or records established and maintained in the normal course of business. You agree that electronic copies of communications are valid and you will not contest the validity or enforceability of such communications or any related transactions, absent proof of altered data or tampering, under the provisions of any applicable law relating to whether certain agreements are to be in writing or signed by the party to be bound thereby, and such copies shall be admissible if introduced as evidence on paper in any judicial, arbitration, mediation, or administrative proceeding to the same extent and under the same conditions as other business records originated and maintained in documentary form.
You agree (to the maximum extent permitted by law) to hold harmless Capital One and protect and indemnify Capital One from and against any and all claims, losses, liability, damages and/or demands (including, without limitation, reasonable attorneys' fees and court costs) of any kind, direct or indirect, arising out of or in any way connected with any Services rendered by Capital One pursuant to or in accordance with any and all electronic communications for which we have attempted to verify your identity as set forth above.
E-mail; Secure Messages
By enrolling in Online Banking you agree that as a condition of using the Services you consent to receiving all transactional e-mail communications from Capital One which are directly related to your use of the Services or to your account(s) and to any disclosures that may result from Capital One sending account communications to you via the e-mail address you provide. For more information about our privacy and information-sharing practices, please visit http://www.capitalone.com/legal/privacy.shtml.
BECAUSE E-MAIL IS NOT A SECURE METHOD OF COMMUNICATION OVER THE INTERNET, WE RECOMMEND YOU DO NOT SEND CONFIDENTIAL INFORMATION BY E-MAIL. PLEASE BE AWARE YOU CANNOT USE E-MAIL TO INITIATE TRANSACTIONS ON YOUR ACCOUNT(S).
Instead, we recommend all communication be sent via secure messaging, available through the "Messages and Alerts" section of the Online Banking Site. Your secure messages are available online for up to 120 days from the date sent or received. For account transactions, please use the appropriate functions available through the Services or call Online Banking Customer Service at 1-877-442-3764.
Online Banking offers both automated security alerts and opt-in alerts. Security alerts are sent to your primary e-mail address automatically for fraud reasons when certain changes to your account occur, such as the addition of a new bill payee(s), password and user ID updates, or changes in your physical or primary email address. These alerts are part of the Online Banking service and are not optional.
In addition to security alerts, you may choose to receive additional alerts regarding other online banking and account activity delivered by telephone or e-mail. You will be asked to select from contact options when you sign up for the alert. By signing up to receive any opt-in alerts, you consent to delivery of such alerts in the format selected (such as text or prerecorded voice) to the contact telephone numbers or email addresses you identify. You are responsible for notifying us of any changes to your e-mail, mobile device, and telephone contacts to which alerts are sent. To stop receiving any optional alerts, log into Online Banking and change your selections from the Set Alerts page or contact Customer Service at 1-877-442-3764.
Your full account number will not be included in any alert. However, alerts may contain our name and information about your accounts. Depending upon the alert, information pertaining to loan and checking account balances, checks written, or insufficient funds may be included. Anyone with access to your e-mail, mobile device(s), and telephone or telephone answering machine(s) or service(s) may be able to access the contents of the alerts. It is your responsibility to secure these devices, protect your user name(s) and password(s), and provide timely information about telephone or e-mail contact changes in order to protect the confidentiality of this information. You consent to any disclosures by Capital One which may occur if you do not take appropriate steps to prevent access to your information by unauthorized persons.
We endeavor to provide alerts in a timely manner with accurate information. However, we do not guarantee the delivery or accuracy of the contents of any alert. Alert balances will not reflect pending transactions and deposits may not be available for immediate withdrawal. If you require additional details about a transaction, you may log in to Online Banking or contact Online Banking Customer Service at 1-877-442-3764. You agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
Your ability to transfer funds from certain accounts is limited by federal law. You should refer to the deposit account agreement which governs your deposit account, a copy of which is available by calling Online Banking Customer Service at 1-877-442-3764 for these legal restrictions and the service charges and penalties for excessive withdrawals or transfers. Transfers made using the Services are included in calculating the permissible number of transfers from certain accounts described in your deposit account agreement.
We reserve the right to impose a frequency or dollar limit on transfers, or to refuse to make any transfer, between certain accounts. We are obligated to notify you promptly if we decide to refuse to complete your transfer instruction; provided, however, that notification is not required if you attempt to make transfers that are prohibited under this Agreement, any Additional Agreement, other Capital One agreements affecting the terms of your account(s), or federal or state laws. Except as provided in this Agreement, all Internal Transfer instructions received before 10:00 p.m. Central Time on a Business Day will be posted to your account the same day. All Internal Transfer instructions received on or after 10:00 p.m. Central Time or on a Saturday, Sunday or banking holiday will be posted the next Business Day. Contact Online Banking Customer Service at 1-877-442-3764 for a list of our banking holidays.
Online payments include (i) payments made through the Services for which the Payment Account is a Capital One account ("Outgoing Payments"), including, without limitation, any payment that you schedule through our Online Bill Pay service, (ii) payments to certain Capital One accounts ("Incoming Payments"), and (iii) payments made in the form of funds transfers to eligible loan or line of credit accounts (which are covered by the "Transfers" section above and any other provisions governing transfers in this Agreement). The Payment Account that you designate for an Incoming Payment may or may not be a Capital One account. You may schedule an Incoming Payment to certain of your accounts, including, without limitation, any Capital One Auto Finance loan account, using the Services without using the Online Bill Pay service. For certain other accounts (including, without limitation, any MasterCard BusinessCard account or other Capital One credit card account), you may schedule an Incoming Payment by hyperlinking from the Online Banking Site to the applicable Capital One Site for such account, and setting up the Incoming Payment on such other Capital One Site. Any such Incoming Payment that you set up on another Capital One Site will be governed by terms and conditions set forth on such Capital One Site and not by this Agreement, except with respect to any Incoming Payment to your MasterCard BusinessCard account (which shall be governed by the payment terms hereof in addition to any such terms and conditions on the Capital One Site for your MasterCard BusinessCard account).
Online Bill Pay payments and any other bill payments permitted by the Services will be debited from your designated Payment Account. Capital One's receipt of your bill payment instructions authorizes us to debit (or if the Payment Account is with another financial institution, request that such institution debit) your Payment Account, and to remit (or request that such financial institution remit) funds on your behalf.
With respect to Outgoing Payments, if at the time funds are to be removed from your Payment Account, there are insufficient funds, and we pay the bill, you understand and agree that you are responsible for reimbursing Capital One for the amount of the bill, along with any additional fees or penalties. The dollar amount of these fees or penalties is published in the Capital One Fee Schedule, available at any Capital One banking office, via an e-mail request or by calling Online Banking Customer Service at 1-877-442-3764. You further understand that any and all payments by Capital One in these circumstances are purely at our discretion and that the payment by Capital One of any bills under these circumstances in no way obligates us to pay the same or similar bills in the future.
You should keep your bill payment accounts open and active. Should your bill pay eligible checking accounts close, your Online Bill Pay services will end and any unprocessed Outgoing Payment transactions will be cancelled. Cancellation of your Online Bill Payment transactions may take up to five (5) business days from the processing date of a payment scheduled from your closed checking account. If you close your Payment Account, any Incoming Payments will not be processed. Outgoing Payments scheduled through Online Bill Payment from the closed Payment Account may be processed, depending on proximity to the Scheduled Due date.
Additional terms regarding Online Bill Pay are set forth in our Online Bill Payment Authorization and Agreement. With respect to Incoming Payments for which your Payment Account is not a Capital One account, additional terms and conditions established by the financial institution with which you have such Payment Account may apply to such Incoming Payments.
Online Bill Pay
The Online Bill Payment Authorization and Agreement governs the use of this service. Refer to this document for terms and conditions associated with Online Bill Pay. Capital One Auto Finance Loan Payments
The cut-off time for Incoming Payments to a Capital One Auto Finance loan account scheduled through the Services but not scheduled through the Online Bill Pay service is 4:00 p.m. CST or CDT on Business Days. Incoming Payment requests initiated after the cut-off time will be processed the next Business Day.
If you set-up a recurring payment for your Capital One Auto Finance loan, you, an authorized signer on the account, authorize Capital One Auto Finance, its successors and assigns, and the institution named, to initiate withdrawals from the designated checking or savings account for funds payable to Capital One Auto Finance. This authorization will remain in effect until you notify Capital One Auto Finance to cancel it, in such time as to afford Capital One Auto Finance a reasonable opportunity to act on it.
You can stop payment of any entry by notifying Capital One Auto Finance or your banking institution five (5) business days or more before your account is to be charged. If funds are unavailable at the time we attempt to debit your checking or savings account or your direct payment is not received for any reason, you will be responsible for forwarding a payment to us. If your payment is not received by the due date, you will be assessed late fees in accordance with your contract.
If you pay with a direct draft that is dishonored or returned, Capital One Auto Finance reserves the right to assess a "Returned Check Fee" in accordance with your contract. If a direct draft is returned, Capital One Auto Finance reserves the right to terminate this authorization and your participation therein.
Capital One Auto Finance may no longer issue monthly periodic statements to users who have established recurring payment instructions through Online Banking.
With respect to all Outgoing Payments and Incoming Payments that you may schedule through the Services:
You understand and agree that it is your responsibility, in accordance with all terms hereof, to authorize bill payments in such a manner that the bills will be paid on time and that the Payee will receive your payment no later than the Due Date on the statement provided to you by the Payee.
You understand and agree that we reserve the right to impose a frequency or dollar limit on bill payment requests or to refuse to make any payment you have requested. You understand we will notify you promptly if we decide to refuse to complete any payment instruction; provided, however, that notification is not required if you attempt to make payments that are prohibited under this Agreement.
By electing to receive your account statement(s) online, you are consenting to receive from us by electronic means only, your monthly statement for your specified deposit account and other disclosures related to this service such as your annual privacy notice. While enrolled for online statements, you will no longer typically receive paper statements in the mail. However, you may be sent paper statements or other documents that contain important information about your account. You should continue to review any correspondence that we mail to you.
When your online statement is available, an e-mail notification will be sent to the e-mail address that we have on file. It is your responsibility to update any changes in your e-mail address at our Self Service page. If you do not receive an e-mail and believe you should have, please visit our Web site to view your statement and verify your e-mail address. You can withdraw your consent to receive your statement electronically at no cost to you by visiting the Self Service page of Online Banking and setting your Statement Delivery Preferences or by contacting Customer Relations at 1-877-442-3764. We encourage you to retain a copy of any records you would like to keep. Hardware and Software Requirements
To access and retain the information subject to this consent, your personal computer needs to support the latest W3C HTML / DOM recommendations and 128 bit SSL encryption. View a complete listing of our supported browsers.
You will also need Adobe Acrobat to review statements in PDF format, if such statements are available. To read statements in PDF format, you will need to download Adobe Acrobat software into your browser. There is no cost to download this software. If you do not have Adobe you can download it from the following link:
To print statements you must have a printer connected to your computer. To download statements, if available, you must have sufficient hard-drive space (approximately 1 MB) to store the statements.
We reserve the right to cancel your participation in this program at any time. Please note, the Online Banking Terms and Conditions also apply to your use of this service.
FEES AND CHARGES
Except as provided herein, we do not at this time charge any enrollment fees, recurring usage fees or any other fees for your use of the Services (including, without limitation, viewing your account information, transferring funds and making bill payments). However, we do charge fees in certain limited circumstances that may arise in connection with your use of the Services (including, without limitation, if you request a stop payment or order a print copy of a check or statement), as further set forth in the Capital One Fee Schedule, available at any Capital One banking office, via an e-mail request or by calling Online Banking Customer Service at 1-877-442-3764. In addition to such fees set forth in such Fee Schedule, you shall be subject to all fees, charges, penalties, balance requirements, and other restrictions explained in your account agreements or other Additional Agreements.
Notwithstanding the foregoing, fees are subject to change, and we may impose additional charges, penalties or fees in connection with your use of the Services at any time, subject to the terms hereof.
You agree to promptly pay all fees and charges for services provided through the Services, and you authorize us to automatically deduct all applicable charges and fees from your designated Capital One Payment Account(s) or any other eligible account.
You agree to be responsible for any telephone charges and/or Internet service fees you incur in accessing your account(s) through the Services.
CHANGES IN SERVICES; INTERRUPTIONS IN SERVICE
We may, from time to time and at any time, revise, update, discontinue or otherwise modify, temporarily or permanently, the Services or any part thereof (including, without limitation, the Online Banking Site, this Agreement, the scope of the Services, and any materials related to the Services), or your access thereto. We will attempt to provide prior notice of any such material changes (by posting a notice of such changes on the Online Banking Site when you log in, and/or sending a notice to you at the address shown on our records or sending you a secure message), but cannot guarantee that such notice will be provided.
Notwithstanding the foregoing, whenever reasonably practicable, we will attempt to post or send such notice at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions; provided, that we cannot guarantee that we will provide such notice by such time; and provided further, that we reserve the right to make any such changes effective immediately if necessary to maintain the security of the system or to comply with any laws or regulations. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change.
Changes to the Services may render prior versions of the Services obsolete. Without limiting the foregoing, we reserve the right to terminate this Agreement as to all prior versions of the Services and/or related materials and limit access to our more recent versions and updates.
You may choose to accept or decline changes by closing, continuing or discontinuing use of the Services to which these changes relate. Your use of the Services after we make any changes will constitute your agreement to such changes. We also reserve the option, in our sole business judgment, to waive, reduce or reverse charges or fees in individual situations.
We may, from time to time perform maintenance upon the Services or experience hardware, software or other problems related to the Services, resulting in interrupted service, delays or errors in the Services. We will attempt to provide prior notice of such interruptions, delays or errors but cannot guarantee that such notice will be provided.
OUR RESPONSIBILITY FOR BILL PAYMENTS AND FUNDS TRANSFERS
By using any payment or funds transfer service available through the Services, you warrant that you are an authorized signer on the account from which the funds are being drawn to make such payment or transfer.
We, or a third party acting as our agent, will use reasonable efforts to timely and properly complete funds transfers and bill payments from your designated checking, savings or other deposit account(s) or from your line of credit account(s) (as applicable) according to your properly entered and transmitted instructions. However, neither a third party service provider nor we will be liable in any way for any failure or delay in completing any such transaction (whether an Outgoing Payment, Incoming Payment or funds transfer, as applicable):
In any other set of circumstances as set forth in your account agreements.
DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
You authorize us to disclose to third parties, affiliates, and agents, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make:
STATEMENT OF RECORD
If you receive paper and electronic statements, any account information provided by the Services is not the statement of record. The periodic statement that is mailed to you will be the statement of record. If you have chosen to stop receiving paper statements, the periodic statement provided to you electronically will be the statement of record. In any case, you are responsible for reviewing any statement and other account communications sent to you by postal mail. Any mailed statement and other account communications will continue to contain important information about your account(s), regardless of whether you access your account(s) through the Services or whether you have chosen to receive your statement electronically.
YOUR RESPONSIBILITIES AND LIABILITIES
It is your sole responsibility to ensure that the contact information in your online banking user profile is current and accurate. This contact information includes, but is not limited to, name, address, phone numbers, e-mail addresses, and account numbers. Changes can be made either via a secure message within the Services or by calling Online Banking Customer Service at 1-877-442-3764 or via US mail. We are not responsible for any payment processing errors or fees incurred by you if you do not provide accurate account or contact information.
If you close any Payment Account, you must notify us and identify a new Payment Account for the selected Services. Additionally, if you close all your accounts with us, you agree to notify us to cancel your Services.
You will be sent periodic statements for your account(s) with the regularity provided for in your account agreement(s). Your role is extremely important in the prevention of any wrongful use of your account(s). You must carefully examine your statement upon receipt.
Tell us AT ONCE if you believe that an unauthorized transaction has been or may be conducted from your account(s); if you believe another person has improperly obtained your online password(s) or has transferred or may transfer money from your account(s) without authorization; or you suspect fraudulent activity on your account(s).
Call at 1-877-442-3764 anytime, 24 hours a day, 7 days a week. A representative is available between the hours of 7:00 a.m. and 8:00 p.m. CT Monday through Friday and 8:00 a.m. and 5:00 p.m. CT on Saturdays and Sundays. Voice mail is available all other times; or write to Post Office Box 152402 Irving, Texas 75015 ATTN: Customer Service; or fax us at 972-916-4616; or send us a secure message; or visit us at http://www.capitalone.com/contactus/index.php.
Telephoning us right away will help you reduce possible losses. Without timely notification, you could lose all the money in your designated checking, savings or other deposit accounts plus the maximum amount of credit available from your revolving line of credit account if it is used as overdraft protection.
To the extent a transaction is an electronic fund transfer from a Personal Account, the following rules apply: You can lose no more than $50 if you notify us within two Business Days of discovering any unauthorized use of the Services or your Access Information. However, you can lose as much as $500 if you do not notify us within two Business Days of discovering the unauthorized use and we can prove that we could have stopped the unauthorized use had we been notified. If you do not report unauthorized transactions that appear on any of your periodic statements within 60 days after such statements are mailed or electronically transmitted to you, you risk unlimited losses on transactions made after the 60 day period if we can prove that we could have prevented the unauthorized use had we been notified within this 60 day period. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section may be extended.
You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission.
IN CASE OF ERRORS OR QUESTIONS ABOUT FUNDS TRANSFERS OR BILL PAYMENTS MADE THROUGH THE SERVICES
In case of questions or errors about funds transfers or bill payments made through the Services, you must do one of the following: Call us at 1-877-442-3764 or write to Post Office Box 152402 Irving, Texas 75015 ATTN: Customer Service.
With respect to any statements you receive from us that reflect transactions you performed while using the Services, if you think your statement is wrong or if you need more information about a transaction listed on the statement, we must hear from you no later than 60 days after we sent the FIRST paper or online statement on which the problem or error appeared.
To report an error you must:
1. Tell us your name and Account number.
2. 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.
3. Tell us the dollar amount of the suspected error.
If you tell us verbally, 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 money 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.
With respect to any bill payments made using Online Bill Pay, if we have reasonable proof, within our sole discretion, that the Payee has received your bill payment, we will not credit your account, it being understood that we are not responsible for any Payee's failure to credit your payment promptly upon receipt. We will make reasonable efforts to work with the Payee to resolve the issue on your behalf. In our investigation of any such bill payment transactions, we will request from the Payee a refund of any interest and/or fees which you may have been wrongly assessed, provided that we will have no obligation to further pursue such request if the Payee denies such request. You will be notified of the final resolution.
We reserve the right to terminate this Agreement and your access to the Services, in whole or in part, at any time and for any reason. Without limiting the foregoing, if you do not access the Services and there has been no activity on any of your accounts through the Services (such as an automatic bill payment) for any consecutive 120-day period, and there is no such activity pending as of the end of such 120-day period, we reserve the right to terminate your access to the Services. If any of your checking, savings or other deposit accounts is closed due to insufficient funds or any other reason, such account will no longer appear in your online banking profile. If any other account is closed for any reason, such account may no longer appear in your online banking profile.
If you wish to terminate your ability to use Online Bill Pay or the Services as a whole (it being understood that your termination of Online Bill Pay will not terminate your ability to access and use any other part of the Services, but your termination of the Services will automatically terminate your ability to access and use Online Bill Pay), please call 1-877-442-3764 or send us cancellation instructions in writing to Capital One, Post Office Box 152402 Irving, Texas 75015 ATTN: Customer Service. If you wish to reinstate your access to Online Bill Pay or the Services as a whole following any such termination (although we reserve the right not to reinstate such Services as we determine in our sole discretion), please call toll-free 1-877-442-3764 or send us instructions in writing to Capital One, Post Office Box 152402 Irving, Texas 75015 ATTN: Customer Service.
Upon termination of Online Bill Pay or the Services as a whole, we will endeavor to cancel any applicable account transactions you have previously authorized, provided that we make no guarantee that we will be able to do so. You will be solely responsible for any fees that apply to any such cancellation. Any payment(s) or other transactions that we are not able to cancel or that have already been processed before the requested termination date will be completed. Notwithstanding the foregoing, all Scheduled Payments, including without limitation recurring payments, must be voided prior to cancellation of the Online Bill Pay service. Termination shall not affect your liability or obligations under this Agreement for any transactions initiated prior to termination.
You may not assign this Agreement or your rights to the Services to any other party. We may assign this Agreement to our parent corporation or to any now-existing or future direct or indirect subsidiary of our parent corporation, or to any existing or future direct or indirect subsidiary of Capital One, or to any of our existent or future affiliates. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.
When you contact us, the communication or the information you provide may be recorded or otherwise retained by us or our service provider. You consent to such recording or other retention. Without limiting the foregoing, you agree that we may record the conversations our employees have with you or your agents. We do this from time to time to monitor the quality of service and accuracy of information our employees give you and to ensure that your instructions are followed.
We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any right or remedy shall operate as a waiver of that right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
LIABILITY FOR LOSS OR ERRONEOUS DATA
Without limiting any other provision hereof, you will bear the sole liability and risk of any error or loss of data, information, transactions or other losses which may be due to the failure of your Computer or third party communications providers on which you may rely. We shall have no liability to you for any damage or other loss, direct or consequential, which you may incur by reason of your use of your Computer.
HARM TO COMPUTER SYSTEMS/DATA
You agree that we shall have no liability of any kind for viruses, worms, Trojan horses, or other similar harmful components that may enter your Computer by downloading information, software, or other materials from the Online Banking Site or any other Capital One Site.
Please click here for an explanation of how we may use, share and safeguard the information that we collect from you in connection with the Services, and your options regarding our use and sharing of such information.
LIMITATION OF LIABILITY; DISCLAIMERS
Except as otherwise expressly provided herein, your use of the Services is at your own risk. None of the entities comprising Capital One, nor any of their respective officers, directors or employees, nor any other party involved in creating, producing, or delivering the Services is liable for any direct, incidental, consequential, indirect, punitive, or other damages of any kind arising out of your access to or use of the Services, or the inability to access or use the Services, whether caused by Capital One or such other parties, online service providers, any agent or subcontractor of any of the foregoing or any other party.
WITHOUT LIMITING THE FOREGOING, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, THE SERVICES ARE PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WHILE CAPITAL ONE MAKES EVERY EFFORT TO PROVIDE ACCURATE INFORMATION IN CONNECTION WITH THE SERVICES, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, CAPITAL ONE MAKES NO WARRANTY THAT (i) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, or (ii) ANY INFORMATION CONTAINED ON, RESULTS THAT MAY BE OBTAINED FROM THE USE OF, OR OTHER ASPECT OF THE SERVICES WILL BE ACCURATE, CURRENT, COMPLETE OR RELIABLE.
Nothing contained in the Services is intended to provide legal, accounting, tax or financial advice. You should consult your own professional advisor on such matters. Information about products and services which you do not already have with Capital One is provided for informational purposes only and should not be considered as an offer to make those products and services available to you.
If any provision of this Agreement is void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in another jurisdiction or any other provision in that or any other jurisdiction.
AREA OF SERVICE
Unless otherwise agreed by Capital One, the Services described in this Agreement are solely offered to citizens of the United States of America.
The United States Export Control laws prohibit the export of certain technical data and software to certain territories. No contents from the Online Banking Site or any other Capital One Site may be downloaded or otherwise exported in violation of United States Law.
If we have to file a lawsuit to collect whatever you owe us, you will pay our reasonable expenses, including attorneys' fees and court costs.
This Agreement is governed by and interpreted in accordance with all applicable federal laws and regulations and, as this Agreement applies to each individual account that you may access using the Services, by the state laws and regulations governing such account or the account agreement for such account.
Important Disclosures and Requirements
APR is the Annual Percentage Rate. Rates quoted are offered depending on the individual's excellent and substantial credit and key loan characteristics, including but not limited to amount, term, vehicle characteristics, and selecting the Automated Payment Option in the Billing Choice section of your loan application. A representative example of payment terms are as follows: a loan amount of $10,000 with an APR of 20.99% and a term of 36 months, would have a monthly payment of $----6 with 15% down-payment required. Advertised rates are subject to change without notice.
Loan Amount Restrictions
Minimum loan amount is $5,000. You may apply for a loan amount of up to $30,000 for new vehicles, $20,000 for used vehicles. Your actual loan amount will be limited based on the value of the specific vehicle that you are purchasing or refinancing. For new vehicles,value is based on invoice price. For used vehicles, value is based on Kelley Blue Book wholesale value or NADA trade-in value (depending on your state of residence). The amount of this limitation may vary and will be specified in your loan package as the "LTV" (loan-to-value) limit. For example, if the value of the vehicle that you are buying is $10,000 and your LTV limit is 110%, then your loan amount will be limited to $10,000 x 110% = $11,000.
Shipping and Handling Charges: Shipping and handling charges are based on total price of your order. Oversized or heavy items may have an additional shipping cost. This charge may not be calculated until the order is being prepared.
We will notify you if there is an increase in the shipping charge or your order prior to billing and shipping.
Shipment By UPS: We ship via UPS Ground or US Postal Service in the continental US. Shipments to Alaska & Hawaii and International orders will have an additional shipping cost applied.
Delivery Time: Allow 4-10 business days for delivery of non-backordered items in the continental US. Allow additional time for shipments to Alaska, Hawaii and International Orders.
Consolidated Shipments: Entire orders will be shipped together if possible.
General: All returns must be postmarked no later than 30 days from the original customer shipment date. Returns and exchanges must be in new condition and must include all instructions and original packing material. Customer pays all return shipping charges. Include a copy of your packing list with all returns.
Original shipping and handling charges are not refundable. Returns must be preauthorized by us and are subject to a 15% re-stocking fee. These amounts will be deducted from the original amount billed and the remaining balance will be credited to the original credit card.
Incorrect Item: If you received an incorrect item no extra charges will be incurred. We will replace incorrect items and pay the additional shipping charge.
Incorrect Size: No charge for exchange. We will exchange customer orders that do not fit, if the customer requests the same item in a different size. Customer pays all shipping charges.
Customer Order Error: Incorrect customer orders can be exchanged for any other item without paying the restocking charge. However, the customer will pay the additional shipping and handling charge. The replacement item must be at least 75% of the value of the original item.
Return Shipping Instructions: Return via prepaid UPS or US mail. Insure shipment for full value of purchase. Use original packaging. We are not responsible for packages lost during return shipping.
Return/Exchange Instructions: Enclose a copy of your packing list or E-mail Invoice along with detailed return/exchange instructions.
Send exchanges and returns to:
Sales tax is charged on instate orders if required by law.
Orders accepted via secure online order form only. Most major credit cards are accepted. Credit card purchases verified for your protection.
Backorders: If an item is backordered, we will notify you via e-mail. Shipments scheduled more than 30 days after the order date: We will notify you via email and give you a cancellation option. Filling backorders: Backorders will be filled before new orders when the backordered items become available.
Individual product descriptions are claims of the manufacturer and/or distributor and are not guaranteed accurate. Prices subject to change without notice. Mistakenly posted prices on the website do not obligate us to those incorrect prices. We reserve the right to refuse to sell to anyone for any reason.
We guarantee your order's privacy and security over the web, with all transactions utilizing an SSL secure server connection. Verisign, Inc., provides our Secure Server Certificate through Dominion Enterprises.
The information, services, products, and materials contained in this site, including, without limitation, text, graphics, and links, are provided on an "as is" basis with no warranty. To the maximum extent permitted by law, Dominion Enterprises and Gatto Cycle Shop disclaim all representations and warranties, express or implied, with respect to such information, services, products, and materials, including but not limited to warranties of merchantability, fitness for a particular purpose, title, noninfringement, freedom from computer virus, and implied warranties arising from course of dealing or course of performance. In addition, Dominion Enterprises and Gatto Cycle Shop do not represent or warrant that the information accessible via this web site is accurate, complete or current. Price and availability information is subject to change without notice. Due to the large amount of content and information provided, errors can and will occur. By visiting this web site you agreed that Dominion Enterprises and Gatto Cycle Shop shall be held harmless from all liability and responsibility for any and all errors or omissions in the information provided on this web site. Dominion Enterprises nor Gatto Cycle Shop shall not be required or obligated to honor any price if said price is incorrect or inaccurate, regardless of whether the information was entered by either Dominion Enterprises or Gatto Cycle Shop.
In no event shall Dominion Enterprises or Gatto Cycle Shop be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential damages, or any damages whatsoever, even if Dominion Enterprises or Gatto Cycle Shop has been previously advised of the possibility of such damages, whether in an action under contract, negligence, or any other theory, arising out of or in connection with the use, inability to use, or performance of the information, services, products, and materials available from this site. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. Because some jurisdictions do not allow limitations on how long an implied warranty lasts, or the exclusion or limitation of liability for consequential or incidental damages, the above limitations may not apply to you.
The images, logos, copy and trademarks contained in this site, including but not limited to the text, images, audio or video, may not be used in any manner, or for any purpose, without Dominion Enterprises or Gatto Cycle Shop express written permission, are believed to be in the public domain or used with permission of the respective trademark or copyright holder. The information and images on this site may not in any way be used in any manner, or for any purpose, without the express written permission, of Dominion Enterprises and/or Gatto Cycle Shop or the official holder of the copyright or trademark. Dominion Enterprises is not responsible for the specific content and/or images contained on this site. Please contact Gatto Cycle Shop if you have questions or concerns about the site content.
The receipt of an e-mail order confirmation does not constitute the acceptance of an order or a confirmation of an offer to sell. Gatto Cycle Shop reserves the right, without prior notification, to limit the order quantity on any item and/or refuse service to any customer. Verification of information may be required prior to the acceptance of any order. By placing a credit card order, the customer grants the Gatto Cycle Shop permission to contact their bank to verify name and address.
This site may contain links to other web sites on the Internet that are owned and operated by third party vendors and other third parties (hereafter referred to as "External Sites"). You acknowledge that Dominion Enterprises and Gatto Cycle Shop are not responsible for the availability of, or the content located on or through, any External Site. You should contact the site administrator or Webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.