Terms & Conditions
The Claxton Bank TCB Online
1. Initial access
Thank you for your interest in The Claxton Bank's Internet Banking product. We appreciate your business and pledge to continue providing the highest quality products and services to accommodate our customers. Please review the following disclosure information and click "I Accept" to begin the process of Banking Online. To do so will activate the Contract, which follows. By your activation, you agree to accept by electronic delivery this agreement and disclosure. You further acknowledge receipt of this agreement and disclosure and agree to be bound by the terms and conditions herein.
The Claxton Bank has expanded its banking services to utilize the convenience and efficiency of Internet technology. You ("Customer") understand that the terms set forth are in addition to those that apply to any other accounts that Customer has with The Claxton Bank or any other service Customer thereafter obtains from The Claxton Bank. Customer further understands that any additional instructions and procedures applicable to the services covered by this Agreement provided by The Claxton Bank must also be followed.
Now, therefore, in consideration of the mutual promises and covenants contained herein, and for the other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, The Claxton Bank and Customer hereby agree as follows:
To activate Customer's Internet Banking service, Customer must have at least one active account with The Claxton Bank. To access The Claxton Bank Internet Banking, Customer will initially use a temporary Log on ID as established by The Claxton Bank. Customer will enter a new Log on Access ID and password during the first connection online with banking information.
The Log-on ID must be nine (9) Characters.
Passwords are case sensitive and can be changed at any time by the account holder through our Online Banking Service;
Customer shall take all reasonable and necessary precautions online to protect Access ID and password, such as not leaving the computer unattended while online; not sending over any public or general E-mail systems; and not giving or disclosing any part of the ID or password to any other party. Customer understands that anyone to whom Customer gives the password will have full access to Customer's accounts. You should carefully select a password that is hard to guess. (We suggest that you do not use names, dates, and information that may easily be guessed.) For security purposes, we recommend that you memorize the password and do not write it down.
Customer shall immediately notify The Claxton Bank in person or by telephone at (912) 739-3322 if customer believes that his/her ID, password, or other means of access may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account.
The Claxton Bank must receive written notice two (2) business days after Customer learns of such adverse event. If notice is timely given, Customer shall be responsible for no more than $50.00 in losses resulting from unauthorized access. If Customer fails to notify The Claxton Bank within 2 business days after Customer learns of the loss or theft of Customer's password, ID, or other means of access, Customer shall be responsible for a maximum of $500.00 of losses resulting from such unauthorized access. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.
Perform account inquiries on checking, money market, savings, certificate, and loan accounts
View statement transaction detail on your accounts
Transfer of funds between The Claxton Bank deposit and/or loan accounts
Download files to your financial management software
Access to the system is open 7 days a week, 24 hours a day. Only minimal downtime is expected for maintenance, upgrades, and processing; however, the System may be unavailable or slowed from time to time due to factors beyond our control, such as high internet traffic. Our business days are Monday through Friday, excluding holidays.
We do not charge for Internet Banking Features. Optional Bill Payment is $4.95/month for the first 15 payments, each additional payment is $0.43 each.
Customer must maintain sufficient funds in accounts to cover any request for transfers. If The Claxton Bank completes a payment transfer that Customer makes or authorizes and The Claxton Bank subsequently learns that Customer has insufficient funds for the transaction, Customer agrees that The Claxton Bank may reverse the transaction or offset the shortage with funds from any other account Customer has with The Claxton Bank. In any case, Customer is fully obligated to provide sufficient funds for any payments or transfers Customer makes or authorizes.
Transfers are final at the time The Claxton Bank receives Customer's instructions. The Claxton Bank will make transferred funds immediately available to the affected accounts. Your transfer instructions must be received by the Bank no later than 4:30 P.M. on any Business Day ("the Cut-Off Time") in order for the transaction to be completed on that Business Day.
Each transfer initiated on a non-business day or legal bank holiday will be considered initiated on the next ensuing business day.
Transfers can only be made between accounts for which you are an authorized signer.
Limitations on Transfers. If your account is a savings or money account, transfers from the account are limited in accordance with the deposit account agreement governing that account. In general, transfers through Internet Banking will count towards a maximum of six transfers allowed from the account in any statement cycle. If you exceed these limits, we may convert your account to a demand deposit account. Payments to your loan accounts may not count towards these limits. These limitations on frequency of transfers do not apply to transfers from a checking account.
You will get a monthly account statement from us for your checking account(s).
You will get a monthly account statement from us for your Savings account, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. If you have a Checking account with us, you will get a monthly account statement from us for your Checking accounts.
To Cancel The Claxton Bank Internet Banking, Customer must contact The Claxton Bank in writing or by E-mail to notify of Customer's decision to cancel.
The Claxton Bank reserves the right to cancel or suspend Customer's service at any time without notice due to insufficient funds or improper usage of the service. After cancellation, service may be reinstated, at the sole discretion of The Claxton Bank, upon Customer's request, provided that funds are available to cover the cost of any fees or pending transfers.
The Claxton Bank may cancel Customer's service at any time for any account, which has not been accessed by Customer for a period of six (6) consecutive months.
Liability for failure to make transfers. 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:
(1) If, through no fault of ours, you do not have enough money in your account to make the transfer.
(2) If you have an overdraft line and the transfer would go over the credit limit.
(3) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
(4) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(5) If you have not completely and properly followed the terms of the Agreement or instructions provided by the software regarding how to make an electronic fund transfer.
(6) If any date or instruction transmitted via our web site are inaccurate or incomplete.
(7) There may be other exceptions stated in our agreement with you.
The Claxton Bank shall not be responsible for the following incidents or errors:
Access: The Claxton Bank shall not be responsible for failure to provide access or for interruptions in access due to system failure or due to other unforeseen acts or circumstances.
Customer's Computer Equipment or Software: The Claxton Bank shall not be responsible for any errors or failures resulting from any malfunction of Customer's computer or any computer virus or other problems related to Customer's computer equipment used in connection with the services described in this Agreement. The Claxton Bank shall not be liable for any error, damages or other losses Customer may suffer due to malfunction or misapplication of any system used by Customer, including, but not limited to, browsers (Microsoft Explorer, Netscape Navigator, or otherwise), Internet service providers (ISP), personal financial management or other software (such as Quicken or Microsoft Money), or any equipment used (including telecommunications facilities, computer hardware and modem) by Customer to access or communicate under this agreement.
In case of Errors or Questions About Your Electronic Transfers, Call us at (912) 739-3322 or write to us at The Claxton Bank, P.O. Box 247, Claxton, Ga. 30417, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number (if any).
(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 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 (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.
We will tell you the results within three business days after completing our investigation. If we decided 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.
Through The Claxton Bank's Online Banking Service you may subscribe to the Online Bill Payment system.
TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE / CHECKFREE
"Service" means the Bill Payment Service offered by your financial institution - CheckFree
"Agreement" means these Terms and Conditions of the bill payment and e-mail payment service.
"Payee" is the person or entity to which you wish a bill payment or e-mail payment to be directed or is the person or entity from which you receive electronic bills or e-mail payments, as the case may be.
"Payment Instruction" is the information provided by you to the Service for a bill payment or e-mail payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date).
"Payment Account" is the checking account from which bill payments or e-mail payments will be debited.
"Billing Account" is the checking account from which all Service fees will be automatically debited.
"Business Day" is every Monday through Friday, excluding Federal Reserve holidays.
"Scheduled Payment Date" is the day you want your Payee to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.
"Due Date" is the date reflected on your Payee statement for which the payment is due. It is not the late date or grace period.
"Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.
BILL PAYMENT SCHEDULING
Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not permit you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period.
THE SERVICE GUARANTEE
Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Bill Payment Scheduling" in this Agreement.
PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE
By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives.
When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Payee, or payments remitted to you on behalf of another authorized user of the Service.
The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:
If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;
The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Payee; and/or,
Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.
Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges.
The following applies to your use of the e-mail payment and request for money functionality of the Service. This functionality allows you to make payments from your Payment Account to any other account enrolled in this Service. If you choose to utilize this functionality you also agree to the following:
Information provided to the Service - You agree to provide true and accurate enrollment information to the Service, and to maintain and promptly update your information as applicable. You agree not to impersonate any person or use a name that you are not authorized to use.
Activation limitations - You must be at least eighteen (18) years of age to enroll in the Service. You must be a resident of the United States or its possessions, and use the Service for individual purposes only, not on behalf of any business, corporation, proprietorship or other entity. You must have a valid e-mail address and access to the Internet. You must be a legal owner of the Payment Account registered for the Service. We reserve the right to limit the number of memberships you have with the Service.
Transaction limitations - You will be assigned a transactional limit, a daily limit and a weekly limit at enrollment based on parameters associated with your credit history. You agree to accept the limits set by the Service. We reserve the right to limit the amount you may have debited from or credited to your Payment Account on any given day and/or week. Additionally, the Service reserves the right to limit your use of this functionality by imposing limits, hold times, or other measures should we believe that suspicious activity has occurred or may occur. You authorize the Service to check your credit history at enrollment and to obtain follow-up credit reports on you. Information obtained will be used by the Service to verify information you provide to the Service and to set limits associated with your use of the Service. The Service reserves the right to verify any of the information you provide.
The Service shall have the right to terminate your membership, reject or reverse any transactions you initiate, and/or restrict or condition your right to send or receive money at any time and for any reason, including, but not limited to:
Using the Service (directly or indirectly) for any unlawful purpose; an/or
Tampering, hacking, modifying or otherwise attempting to corrupt the security or functionality of the Service.
Sending and receiving payments - When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf to the Payee's account. E-mail payments begin processing the Business Day the Payment Instruction is submitted to the Service. Any e-mail payment submitted on a non-Business Day will begin processing on the next Business Day. The Service reserves the right to hold funds beyond the standard distribution periods for any transactions it deems necessary. The recipient's ability to access these funds is at the sole discretion of the recipient's financial institution and is not controlled by the Service. You acknowledge that once money is delivered to the recipient, the transaction is non-reversible and non-refundable to you. Credits to and debits from your Payment Account are only processed on Business Days. If we learn that you had insufficient funds in the Payment Account from which you requested we send money, we will cancel the payment. If we learn this after the money has been delivered to the recipient, you will owe us and agree to promptly repay the amount of the shortfall. We may apply funds awaiting receipt by you against the amount you owe us. In addition, we may not permit recipients of your outstanding payment requests to receive the money, and we will not refund transaction fees in these situations. With respect to any transaction, the Service reserves the right to seek reimbursement from a recipient if we receive any type of charge-back related to any Payment Instructions. We may obtain such reimbursement by deducting the charge-back amount from the recipient's account(s), reversing any credit(s) to the recipient's Payment Account, or by seeking such reimbursement from recipient by any other lawful means.
Non-Delivery of e-mail payments - It is your sole responsibility to provide the correct e-mail address(s) for an individual(s) to whom we send money on your behalf. THE SERVICE IS NOT RESPONSIBLE FOR PAYMENTS MADE TO UNINTENDED RECIPIENTS DUE TO THE INPUT OF INCORRECT INFORMATION BY YOU, NOR SHALL THE SERVICE BE RESPONSIBLE FOR VERIFICATION OF THE IDENTITY OF RECIPIENTS.
Accuracy and dispute of e-mail payments - We are not responsible for determining whether the amount of money being sent is correct for any underlying transaction or is actually owed to the recipient. Any dispute that may arise between you and the recipient relating to a payment made or received, or any other aspect of a transaction between you and the recipient, is not the responsibility of the Service. We make no guarantees regarding purchases paid for via the Service. You acknowledge that the Service does not ensure the quality, safety or legality of any merchandise received, nor that a seller will even ship merchandise. You agree to hold the Service harmless for any loss or expense you incur as a result of such purchases or disputes.
Cancellation of e-mail payment(s) - Once initiated, payments cannot be cancelled. Once money is delivered to the recipient, the transaction is non-reversible and non-refundable to you. However, you may cancel an invitation to send money if it has not yet been received by the recipient. After you initiate a payment, if the recipient is not already enrolled in the Service, the Service will periodically send reminder e-mails to you and the recipient until the recipient has enrolled in the Service and received the payment. If recipient has not enrolled in the Service and received the payment forty-five (45) days after initiation, the Service will cancel the payment.
The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.
PAYMENT CANCELLATION REQUESTS
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.
STOP PAYMENT REQUESTS
The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.
Payments to Payees outside of the United States or its territories are prohibited through the Service.
Tax payments and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of you and not of the Service.
BILL DELIVERY AND PRESENTMENT
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:
Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill.
Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills.
Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills.
Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly.
Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly.
This Agreement does not alter your liability or obligations that currently exist between you and your Payees.
EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:
Where it is necessary for completing transactions;
Where it is necessary for activating additional services;
In order to verify the existence and condition of your account to a third party, such as a credit bureau or Payee;
To a consumer reporting agency for research purposes only;
In order to comply with a governmental agency or court orders; or,
If you give us your written permission.
SERVICE FEES AND ADDITIONAL CHARGES
Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.
FAILED OR RETURNED TRANSACTIONS
In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that: 1. You will be charged a $25 fee for each transaction that is returned. This charge does not include fees that may be assisted by your financial institution. 2. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service; 3. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; 4. You will reimburse the Service for any fees imposed by your financial institution as a result of the return; 5. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and, 6. The Service is authorized to report the facts concerning the return to any credit-reporting agency.
ALTERATIONS AND AMENDMENTS
This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as a part of the Service, you agree to receive all legally required notifications via electronic means.
ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made by contacting your financial institution. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.
SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
In the event you wish to cancel the Service, you may have the ability to do so through the product, or you may contact customer service via one of the following:
Telephone us during customer service hours; and/or
Write us at your financial institution's address.
The Service will complete any payment(s) the Service has already processed before the requested cancellation date. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.
The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.
In using the Service, you understand that Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Payment Account. You may receive notification from the Service.
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.
The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.
THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.
Electronic Notice: By Customer's consent to this Agreement, Customer consents that The Claxton Bank may send notices by electronic mail (E-mail). Customer may use E-mail to contact The Claxton Bank about inquiries, maintenance, and/or some problem resolution issues. Customer understands that E-mail may not be a secure method of communication. The Claxton Bank recommends that no confidential, personal or financial information be sent by E-mail. There may be times when you may need to speak with someone immediately, especially to report a lost or stolen PIN, or to stop a payment. In these cases, do not use E-mail. Instead, call The Claxton Bank's office at (912) 739-3322. The lobby is open Monday through Wednesday form 9:00 AM to 4:00 PM, Thursday 9:00 AM to 12:00 PM, Friday 9:00 AM till 6:00 PM.
Ownership of Website: The content, information and offerings on our website are owned by The Claxton Bank, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.
Other Sites: This site may contain links to other sites on the Internet. These would be provided for your convenience. Links to another site do not constitute The Claxton Bank's approval or endorsement of that site or its products or advertisements.
Amendments: From time to time, we may amend any part of this Agreement, including our fee structure. We will provide you with advance notice of changes in Fees and Charges, or if otherwise required by law. In other cases, we may provide you with notice either before or after the change.
Termination: We reserve the right to terminate this Agreement and your access to Internet Banking at any time with or without prior notice.
Entire Agreement: This Agreement sets forth the entire agreement between the parties, and it shall supercede all prior understanding or agreements between the parties, whether written or oral.