Terms and Conditions
Brenham National Bank (BNB) PeoplePay - E-SIGNATURE AND ELECTRONIC DISCLOSURES AGREEMENT
This E-Signature and Electronic Disclosures Agreement ("E-Sign Agreement") applies to all communications, documents, disclosures and electronic signatures related to the products, services and transfers offered or accessible through this service for all cardholders, authorized users, account owners, account signers, applicants, and any other person using this service as a Sender or Recipient or registering to use this service.
Agreement to Conduct Transactions by Electronic Means
You agree to conduct the transfers offered through BNB's PeoplePay service by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions will be provided to you through a mobile or web-based electronic interface or email. Each time you use this service and submit information to the Bank you agree to the electronic access, receipt and acceptance of documents, disclosures and forms. You may not use this service unless you agree to receive documents by electronic means.
You further agree that all transactions completed through this service will result in valid and legally binding agreements. You also agree that you have adequate access to a computer or mobile phone with sufficient internet connectivity to conduct these transactions online. You acknowledge that you meet the hardware and software requirements to access this service as described below.
Agreement to Use Electronic Signatures
By checking the "I accept the terms of service" check box you are electronically signing the Agreements related to the services. You specifically agree that any electronic signatures that you provide through this online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related documents just as if you had physically signed the same documents with a pen.
Agreement to Receive Disclosures Electronically
You agree to receive all legal and regulatory disclosures and other communications associated with your registration or use of this service through electronic means including web-based electronic interface, mobile phone interface or email.
Availability of Printed Copies
You may print copies of any of the agreements, disclosures, or other related documents from your computer, mobile phone or other access device. We recommend that you print and retain a copy of agreements and disclosures associated with this transaction. There is no charge for you to download and print these documents.
To use this service you must provide your current email address so that we can send you important information related to your use of this service. If you register for the service, you may review and update the personal information maintained about you in the "Account Settings" section of the Site at any time to ensure that it is accurate and up-to-date.
Hardware, software and operating system
The requirements for accessing our online systems to use this service and access disclosures: You must use a computer or smart phone to use this service. You must have a device capable of supporting the current version of one of the following browsers: Internet Explorer, Firefox, Chrome, or Safari. You may also use a mobile phone application developed for this service if your mobile phone supports it. You are responsible for installation, maintenance, and operation of devices used to access this service. BNB is not responsible for errors, failures, or malfunctions of any device used or attempted to be used for access to this service. BNB is also not responsible for viruses or related problems associated with use of these online systems.
Unauthorized use of these systems is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18, U.S. Code Sec. 1001 and 1030. BNB or its Service Provider may monitor and audit usage of this system. All persons are hereby notified that the use of this system constitutes consent to such monitoring and auditing.
Any Account accessed through People Pay is also subject to the Terms and Conditions of Your Account ("Account Disclosures"). You should review the Account Disclosures carefully, as they may include transaction limitations and fees that might apply to Your use of People Pay.
"BNB PeoplePay" means the service powered by Acculynk that allows You to send funds to a recipient's account.
"Service Provider" is Acculynk a company that arranges for person-to-person payments to customers of any U.S. financial institution.
"Site" is the Service Provider's electronic location accessed by a user through a mobile phone, computer or other access device.
"Transfer" means an electronic movement of funds from an account at Brenham National Bank to an account of another party by means of BNB People Pay.
"Transfer Instructions" are the information that you provide when using the service.
"Us," "We," and "Our" means Brenham National Bank.
"You" and "Your" mean each person who applies or registers to use the Service and each person who uses the service, including both the Sender and Recipient of a Transfer.
2. Description of Service and Consent
BNB debit cardholders may send one-time person-to-person transfers to any BNB Customer or a depositor of another financial institution. Notice is given to the Recipient by the Sender providing the Recipient's email address or mobile phone number. You may originate these transfers by use of a computer or a mobile smart phone. You may register for the service which will make future transfers more convenient for you. To use this service you are providing information to our Service Provider from your mobile phone, desktop, laptop, or other computer. The Service Provider is an independent contractor.
By participating in the Service, You are representing to us that You are the owner or You have the authority to act on behalf of the owner of the mobile phone number or email address You are using to send or receive messages regarding money transfers. In addition, You are consenting to the receipt of emails or automated text messages from BNB or its agent, regarding the transfers and represent to us that You have obtained the consent of the Recipients of Your intended transfers to the receipt of such emails or automated text messages.
Funds may be transferred to any account in the United States as long as the transfer is legal and allowed by the financial institutions involved.
Individuals aged 14 years and older with a debit card issued by BNB are eligible to use this Service to send funds to a Recipient. Any individual age 14 years and older with an account in the United States that may receive POS or ACH transactions may use this service to receive funds that are transferred by the Sender. The Service is not offered to individuals under the age of 14. Other restrictions and eligibility requirements apply as described in this Agreement or other disclosures. (See Section 15 of this Agreement.) We do not knowingly collect any personal information from or about individuals under 14 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow Your children to submit personal information without Your permission. By using the Site and/or the Service, You represent that You meet these requirements.
4. Money Transfers
You may make one-time Transfers by entering your debit card number and email address. The Sender provides the Recipient's email address or mobile phone number, and the Service uses this information to notify the Recipient. A Recipient must accept the Transfer within 14 days, or the Transfer will be cancelled and reversed. During this period, funds will be removed from the Sender's Account for the amount of the Transfer and the fee. Once the Recipient has successfully accepted the Transfer, funds will be sent to the Recipient's financial institution for deposit to the Recipient's account. If the Sender and Recipient are both BNB Customers enrolled in the Service, Transfers will be immediately debited from the Sender's Account and reflected in the Recipient's Account once claimed. If the Sender and Recipient are both enrolled in the Service but are customers of different financial institutions, Transfers will be immediately debited from the Sender's Account and will be delivered to the Recipient's financial institution once claimed. BNB is not responsible for any failure of another financial institution to timely credit its customer's account.
You acknowledge and agree that payment Transfers will be completed using only the email address or mobile phone number You enter even if it identifies a person different from Your intended Recipient. The name You enter will help You identify Your intended Recipient in the drop down menu and your transaction history but will not be used to process payments. Please make sure You accurately enter the Recipient's email address or mobile phone number since Your obligation to pay for the Transfer will not be excused by an error in the information You enter.
Transfer Instructions relating to external accounts and the transmission and issuance of data related to such Transfer Instructions shall be received pursuant to the terms of this Agreement, and the rules of the National Automated Clearing House Association ("NACHA") and the applicable regional Automated Clearing House ("Regional ACH"), as well as any Electronic Fund Transfer (EFT) Network, or networks, utilized to automate the transfer of funds and governed by Regulation E, (collectively, the "Rules"). You and We agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to an account shall be provisional until We or the third party institution, which holds the account, have finally settled such credit.
It is the responsibility of the Sender and Recipient of funds to provide accurate information. You agree that You as Sender are authorized to withdraw or as Recipient are authorized to deposit funds into the Accounts whose numbers You provide or into the Accounts associated with the card number You are providing. You authorize Us, directly or through third parties, to make any inquires considered necessary to validate your identity. This may include asking You for further information, requiring You to take steps to confirm ownership of your email address or financial instruments and verifying Your Information against third party databases or through other sources.
You authorize BNB to debit your account to complete the transfer you request. If you are receiving funds, you authorize the crediting of your account using card networks or the National Automated Clearing House Association.
By using this Service You, as the Sender, authorize the sending of an email or text message instructing the Recipient how to receive the funds that You are sending. You are further authorizing any Recipient of this message to act on the instructions to receive the funds You are sending. You acknowledge that any party receiving the email message at the email address You provide or text message at the mobile phone number You provide may obtain the funds You are sending.
You acknowledge and agree that We are not responsible for determining the identity of the party who receives the email or text message and acts upon the email or text message You provide. Your funds may not reach the intended Recipient because of errors made by the Sender or Recipient and You could lose all the funds. The funds that are credited to the account cannot be recalled by Us. If you suspect that you have entered information incorrectly, call Us immediately and We may be able to cancel the transaction. We have no obligation to cancel the transaction nor to reimburse funds that were transferred according to the Sender's instructions. Furthermore, We may reject any transfer request and may terminate Your use of this Service for any reason including attempting insufficient funded transactions.
By using this service you as the Recipient are confirming that you are the person to whom the Sender intends to transfer funds. As the Recipient, you will be asked to provide your debit card information that will be used to transfer funds to your account. If you chose not to provide your debit card information or your institution does not participate, you will be asked to provide account information including account number and routing information for your financial institution. In this case the funds will be transferred through the Automated Clearing House.
It is important that you enter accurate information. You agree that BNB, the receiving financial institution and our Service Provider may rely solely on the instructions you provide. If you enter inaccurate cardholder or account number information the funds may be deposited into another person's account. You acknowledge that the financial institution may make the deposit based on the account number or card number you provide even if those numbers do not correlate to the name that you provide. Retrieval of these funds will be the Recipient's responsibility to work with the financial institution to which the funds were sent. You may lose all the funds that were transferred. The funds that are credited to the account cannot be recalled by us.
If you suspect that you have entered information incorrectly, call Us immediately and We may attempt to cancel the transaction. We have no obligation to cancel the transaction nor to reimburse funds that were transferred according to the Recipient's instructions.
By using this service you are agreeing that you are the intended recipient of the email or text message and that you are the intended recipient of the funds. If you are not the person to whom the funds are intended then you agree to take no further action. You understand that it is a federal felony to use another person's identification with the intent to commit unlawful activity. You represent that the information you are providing is Your true and correct information. If any information You provide is fraudulent, BNB reserves the right to recover all costs or losses from You, regardless of whether such costs or losses are incurred directly or indirectly.
5. Fees and Limitations on Transactions
Your daily transfer limit is subject to your daily Point of Sale Debit Card limit. The Bank may establish a limit on the number of Transfers and on the total dollar amount of Transfers that can be attempted or completed in one day. You may send multiple Transfers a day; however there is fee for each Transfer You send. We may modify the amount and frequency of Transfers at any time for security reasons or due to account activity.
Funds may be transferred from the account from which the debit card is authorized to transfer funds. Such transfers may, (1) overdraft Your account, (2) result in a transfer from another account to cover the overdraft or (3) use Your Overdraft Privilege limit if applicable. In any of these situations, fees may be charged, as applicable. You may be denied service for insufficient funds in Your account. You will be responsible for any other transaction fees that apply to Your Account.
Please note that Your mobile carrier may charge You for text messaging. Please check Your mobile service agreement for details on applicable fees. The receiving institution may have limits on the number and type of these transactions allowed. Your financial institution may also charge a transaction fee.
6. Timing of Transactions
Transactions to remove the funds from the Sender's Account may take place immediately. However, the timing of funds received will depend on when the Recipient responds to the email and when their financial institution posts the transactions. The posting of the transaction is dependent on the business days of that institution.
7. Issues Affecting the Posting of Transactions
You authorize Us to debit Your account to complete the Transfer You request. If You are receiving funds, You authorize Us to credit Your Account using card networks/switches or the National Automated Clearing House Association (NACHA).
Other events may affect the timing or success of a Transfer reaching the intended Recipient. Such events may include, but are not limited to, errors made by the Sender or Recipient in entering information, inaccurate account or card number information, delays in posting by the receiving institution, acts of God, and network and NACHA interruptions. If We believe the transaction may be illegal, We may decline or reverse the transaction. The receiving institution may choose not to post the transaction or to delay posting the transaction. Neither We nor Our service provider are responsible for any delays in the Transfer of funds or the posting of funds to the Recipient's account. You may have certain rights and responsibilities regarding the failure of the receiving financial institution to timely post transactions and you are encouraged to pursue resolution with the receiving financial institution.
Financial institutions have rules and regulations that govern their accounts. Some of these regulations may not allow a POS or ACH transfer of funds. You are responsible for ensuring that these types of Transfers are allowed for the Account that You specify. For example, an IRA may not allow electronic transfers directly into the Account. We are not responsible for any action or lack of action taken by the financial institution that delays, inhibits, or prevents the posting of the Transfer to the Account.
The Sender and Recipient of funds may choose to register for this Service to simplify their future use of the Service. They will be asked to create a User Name and Password. As with all User Names and Passwords, You are responsible for keeping them secure. We will not ask You for Your Password.
If the receiving financial institution contacts Us or Our Service Provider for information regarding Your Account, You authorize Us to discuss this transaction and the account information you have provided.
9. Cookies, Browser Information and Related Issues
When You visit the Site, the Service Provider may receive certain standard information that Your browser sends to every website You visit, such as the originating IP address, browser type and language, access times and referring website addresses, and other such information. This data may be used, among other uses, to improve the operation of the Site and to improve the security of the Site and Service by assisting in "authenticating" who You are when You access the Site or Service, particularly if you register for the Service and are issued or create a username and password.
The Service Provider may also receive additional information about Your visit to the Site, including the pages You view, the links You click and other actions You take in connection with the Site and the Service. This data may be used, among other uses, to improve the operation of the Site and the Service.
You may encounter the Service Provider's cookies or pixel tags on websites that We do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a cookie or pixel tag placed by the web page or application.
10. Access to Information About You.
You may review and update the personal information maintained about You in the "Manage Account" section of the Site at any time to ensure that it is accurate and up-to-date.
Once You close Your accounts with Us or You no longer have a debit card, you may no longer send transfers. However Your account information will be maintained for a retention period to accommodate any residual issues that may arise.
12. Limitations of Warranties and Liability
THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OR CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.
THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER RESAONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OF COMPETENT JURISDICTION WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold Us and Our affiliates, officers, directors, employees, consultants, agents, service providers and licensors harmless from any and all third party claims, liability, damages, and/or costs (including but not limited to reasonable attorneys' fees) arising from your use of the Service, our reliance on the transfer instructions and other information you provide, the performance or non-performance of other financial institutions, or other signers, owners or users of your accounts.
14. Acceptance of Service
15. Contacting Us
If You have any questions about this Service or this Agreement, You may contact Us at the phone number or postal address below:
Brenham National Bank
ATTN: Customer Care
P.O. Box 2568
Brenham, TX 77834-2568
979-836-4571 or Toll Free 888-292-4571
16. Disclosure Access
Non-BNB Customers should consult their financial institution for their EFT disclosure.