This Online and Mobile Banking Terms and Conditions (the "Agreement") applies to electronic banking service and Mobile Deposit Service (“MD Service”) you receive from Citizens Access (collectively the "Online Service"). The Online Service is provided by Citizens Access (the "Bank"). This Agreement is provided to you in accordance with federal and state law requirements. Read this Agreement carefully to understand how the Online Service works, and your rights and obligations if you use the Online Service.
In this Agreement, "we", "us" and "our" mean the Bank; and "you" and "your" means each person, or, if applicable, the entity who is an owner, signer, or has unrestricted withdrawal rights of a Deposit Account or, as applicable, each person that uses the Online Service with your permission.
When your Online Service is linked to one or more joint accounts, we may act on the oral, written or electronic instructions of any account owner regarding your service for those accounts. Each person on a joint account will be liable for all transactions that are made on that account by all other joint account holders of the account. Notices sent to one account owner are binding on all account owners.
We recommend that you print or store a copy of this Agreement for your records. You may also review this Agreement from time to time, and at your convenience on our website at www.citizensaccess.com.
As provided more fully in the E-Sign Consent you agreed to concurrently with enrollment in the Online Service, you agree to receive this Agreement, any and all disclosures or notices required by Applicable Law and all other communications, electronically to the e-mail address you designate in your profile. You also agree that we may respond to any communication you send to us with an electronic communication, regardless of whether your original communication to us was an electronic communication.
Any electronic communication we send to you will be considered received within three (3) calendar days of the date sent by us to the e-mail address you designate in your profile, or posted within your Online Service under the Communications tab regardless of whether you log on to the Online Service within that time frame. To the extent permissible under Applicable Law, any electronic communication you send to us will not be effective until we receive and have had a reasonable opportunity to act on such e-mail message. You should not rely on e-mail if you need to communicate with us on an immediate basis. We, therefore, strongly suggest that you report all matters requiring immediate attention (for example, reports of alleged unauthorized transfers or errors, or requests for stop payments) to us by calling us at 1-888- 201-6505. We may, however, require you to provide us with written confirmation of any verbal or electronic stop payment request or notice of alleged error.
You authorize us (and our affiliates, agents and contractors) to contact you at any number you provide to us, from which you call us, or at which we believe we can reach you, and that we may contact you for any reason, including regarding any request you make for a loan or other product, to service or collect on every account you currently have with us or may have with us in the future and regarding any other products or services we are providing to you or which we provide to you in the future. You authorize us to contact you in any manner, including by means of automated dialing devices, prerecorded messages, wireless push notifications, or text messages, even if you are charged for receiving the communication and even if you will receive the communication on a mobile or wireless device. You agree that such calls are not unsolicited and that we may monitor and/or record them.
When you enroll in the Online Service, you will have access to our secure message system. You must designate a primary e-mail address during enrollment which will be used for receiving communications. We may, if you use our Alerts feature or to verify a request made by you via the Online Service, send account information to the e-mail address(es) you designate. Sensitive information such as account numbers will be only partially shown (masked). Other than Alerts and verification e-mails, we will not send to you, and we strongly suggest that you do not send to us, any confidential information about your deposit and credit accounts via the Internet as it is not necessarily secure. You and we may exchange secure messages within the Online Service.
We will not send you e-mail requesting confidential information such as account numbers, PINs, or passwords. If you receive such an e-mail purportedly from us, do not respond to the e-mail and notify us by calling 1-888-201-6505 or forwarding (including header information) the e-mail to firstname.lastname@example.org.
By using, or authorizing others to use, the Online Service, you acknowledge you have received, understand, and agree to the terms of this Agreement, all agreements incorporated herein, and all agreements that govern your account with us. The Online Service is also subject to federal law and, to the extent not preempted by federal law, the law of the state of Rhode Island ("Applicable Law"). These Agreements may be amended from time to time and we will provide notice of such changes to you as may be required by Applicable Law.
The following definitions govern the terms of this Agreement:
We are committed to protecting the security and confidentiality of your information and your Bank Account(s). We use sophisticated technology in the ongoing development of the Online Service to enhance this security. We use several different security methods to protect your Account information:
The Online Service is available by clicking on the Online Banking login at www.citizensaccess.com. During enrollment, you will be asked to set up your online credentials. You will be prompted to provide the following:
You should use care when choosing your User ID, Password, and Personal PIN. We recommend that you avoid easily guessed words and numbers, such as family member names or telephone numbers. Your User ID, Password, and Personal PIN are exclusively for your use or, the use of those authorized by you. You agree to take reasonable precautions to safeguard your User ID, Password, and Personal PIN. You also agree to never leave your computer unattended while using the Online Service and always exit the Online Service by clicking on “sign out” located in the upper right portion of the screen after using the Online Service.
You may change your User ID, Password, and Personal PIN at any time via the My Profile section of the Online Service.
You acknowledge and agree that you are responsible for all transfers you make using the Online Service and for paying any and all third party late charges or penalties. You also acknowledge and agree that, if you permit a third party to use the Online Service and/or share your User ID, Password, and/or Personal PIN, you are responsible for any transfer that third party makes from your Account, even if that third party exceeds your authorization, and for any other issues that arise with respect to your Account and/or information contained in your Account, by virtue of the fact that you shared your User ID, Password, and/or Personal PIN. You agree that we may comply with Transfer Instructions entered by any third party using your User ID, Password, and/or Personal PIN, subject to the terms set forth more fully below in the Unauthorized Use section of this Agreement.
You may perform the following activities with the Online Service:
Transfers must be made in accordance with the terms of this and any other applicable Account agreements. The transfer feature described here applies only to transfers initiated through the Online Service.
Subject to some limitations based on Account type, funds may be transferred between your Eligible Linked Savings Accounts using the Transfer Funds pages. Unless you designate a future date on which a transfer should be made, funds will be transferred promptly after you complete and submit the Transfer Instructions online.
Modifying or Reversing a Transfer Initiated Through the Online Service.
With the exception of future dated transfers, you may not delete or modify a one-time transfer once you have completed and submitted the Transfer Instructions online. You may reverse the transaction by transferring the funds back to the Account from which it was moved. Future dated or recurring transfers may be modified or deleted using Edit or Delete on the Manage Future Transfers screen within the Online Service. Pending transfers may be deleted or modified up to one calendar day from the date they are scheduled to occur. The bank is unable to modify a recurring transfer for you, but can modify a one- time future dated transfer. For assistance in deleting a transfer, please call 888-201-6505.
Within Online Banking you may sign up for the option of transferring funds between your Eligible Linked Savings Accounts with the Bank and certain deposit or investment accounts at other financial institutions (International Transfers are not supported). You will need to link and verify each of your non-Citizens Access Accounts that you wish to use for these transfers. You agree that you will only attempt to set up and verify accounts for which you have the authority to transfer funds.
|Weekly||Transfers occur every 7 days beginning with the first transfer date specified.|
|Every two weeks||Transfers occur every 14 days, or every other week, beginning with the first transfer date specified.|
|1st and 15th of each month||Transfers occur on the first transfer date specified and then again every 15 days after the first transfer date.|
|Monthly||Transfers occur on the same calendar day of every month, beginning with the first transfer date specified.|
|Every two months||Transfers occur on the same calendar date every other month beginning with the first transfer date specified.|
|Quarterly||Transfers occur on the same calendar date every 3 months beginning with the first transfer date specified.|
|Every four months||Transfers occur on the same calendar date every 4 months beginning with the first transfer date specified.|
|Twice a year||Transfers occur on the same calendar date every 6 months beginning with the first transfer date specified.|
Note: If the recurring transfer is scheduled on a Saturday, Sunday, or bank holiday, the transfer will be processed on the following business day.
Any documentation provided to you which indicates that an electronic fund transfer was made will be admissible as evidence of the transfer and will constitute prima facie proof that the transfer was made. The initiation by you of certain electronic fund transfers from your Account will effectively eliminate your ability to stop payment of the transfer. UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS; THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT.
Your ability to transfer funds from or between certain of your Accounts with the Online Service may be limited, as more fully described in your Deposit Account Agreement. Federal regulations limit your ability to make transfers from your Savings Accounts to one of your other Accounts or to third parties by preauthorized, automatic, personal computer, including online banking, to six (6) per monthly statement cycle for Saving Accounts. Transfers made using the Online Service are subject to these limitations. If you exceed these limits a total of three (3) times during a span of twelve (12) consecutive statement cycles, we have the right to close your account. We may however, close your account sooner if you significantly exceed these transfer limits in any one month.
In order that your privacy may be protected, we will not disclose any information to third parties about you, including e-mail addresses, or your Accounts or the transfers you make, except in the situations noted below. We will disclose such information:
You must have available funds in your Account on the date that your transfer will be made and your Account will be debited. If a Bank Account has insufficient funds, the transaction may not be completed.
If we do not complete a transfer to or from your Account on time or in the correct amount in accordance with your Transfer Instructions, we will be liable for your losses or damages, with exception. We will not be liable, for instance, if:
If your profile or one of the funding accounts is inactivated or frozen, any pending transfers will be cancelled. If you are reactivated at any time, these transfers have been cancelled and will never process.
Unless otherwise required by Applicable Law, we will not be liable to you under any circumstances for special, indirect or consequential damages, including without limitation, lost profits or attorneys' fees, even if we are advised in advance of the possibility of such damages.
CONTACT US IN THE EVENT OF UNAUTHORIZED USE
If you believe your User ID or Password has become known or has been used (or may be used) without your permission, call Citizens Access immediately at 888-201-6505.
Tell us immediately if you believe your Online User ID or Password, or both, has been lost, stolen, or used (or may be used) without your permission. Calling us at (888) 201-6505 is the best way of keeping possible losses to a minimum. You could lose all of the money in your Account. If you notify us within two (2) Business Days after you discover your Online User ID, Password or other means of access to your Account has been lost or stolen, you can lose no more than $50 if someone used your Online User ID or Password without permission.
If you do NOT notify us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Online User ID, Password or other means to access your Account if you had notified us, you could lose as much as $500.00.
Also, if your statement shows transfers that you did not make, including those made by User ID, Password, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement containing the unauthorized activity was sent to you, you may not get back any money you lost after the sixty (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 periods.
In Case of Errors or Questions About Your Electronic Transfers, please telephone us at 888-201- 6505, send us a secure message through our secure online banking portal or write us at Citizens Access, PO Box 2005, Cranberry TWP., PA 16066 as soon as you can, if you think your statement or receipt is wrong or if you need more information about an electronic transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.
If you tell us orally, we may require that you send your complaint in writing within ten (10) Business Days after you have notified us. We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to investigate your complaint or question following the date you notified us. If we decide to do this, we will credit your account within ten (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 ten (10) Business Days, we may not credit your account. For errors involving new accounts, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) Business Days to credit your account for the amount you think is in error for electronic transfers occurring during the first 30 days after the first deposit is made to your account.
We will provide you the results within three (3) Business Days after completing our investigation. If it is determined that there was no error we will mail you a written explanation. You may ask for copies of documents used in our investigation. We may revoke any credit provided to you if we find an error did not occur.
Your Accounts linked to the Online Service will also be governed by the agreements, disclosures and other documents provided to you in connection with the opening of your Account(s), as they may be amended from time to time. Except in the case of your Deposit Account Agreement with us and the accompanying Features Guide, if any inconsistency exists between such other documentation and this Agreement, then this Agreement shall control to the extent of the inconsistency.
We reserve the right to terminate your use of the Online Service for any reason including inactivity and at any time without notifying you. You have the right to terminate your use of the Online Service by calling us at (888) 201-6505 at any time during our normal business hours. If you call, we may require you to put your request in writing and get it to us within 10 days after you call.
Any termination of your use of the Online Service, whether initiated by you or us, will not affect any of your or our rights and obligations under this Agreement which have arisen before the effective date of such termination.
You agree that you will not use the MD Service to scan and deposit any of the following checks ("Prohibited Check"), which shall be considered prohibited notwithstanding that such checks may constitute "checks" under Reg. CC:
You agree that we may, in our sole discretion, amend the list of Prohibited Checks from time to time. If you deposit a Prohibited Check, you agree to indemnify and reimburse the Bank for, and hold the Bank harmless from and against, any and all losses, costs and expenses (including reasonable attorneys' fees) the Bank may incur associated with any warranty, indemnity or other claim related thereto.
Upon receipt of a Mobile Deposit submitted by you, the Bank may examine such Mobile Deposit and the Images and other information contained therein to ensure that you have complied with this Agreement and followed the Procedures. If the Bank determines that you have not complied with this Agreement or followed the Procedures or if errors exist in the Images or other information contained in the Mobile Deposit, the Bank, in its sole discretion, may either reject the Mobile Deposit or elect to correct the error, and accept and process the corrected Mobile Deposit (a "Corrected Mobile Deposit"). As a form of correction, the Bank may credit your account for the full amount of the deposit and make any necessary adjustments to the account to correct the error. The Bank may, at its option, also perform a risk management analysis of one or more Mobile Deposits submitted by you to detect potentially fraudulent checks, and, in its sole discretion, the Bank may reject any such Mobile Deposit, the Images or other information contained therein. If after examination of a Mobile Deposit, the Images and other information contained therein, the Bank determines that you have complied with this Agreement, processed and transmitted the Mobile Deposit in accordance herewith and with the Procedures, the Bank shall accept the Mobile Deposit for deposit to your Account. Notwithstanding the fact that the Bank has accepted a Mobile Deposit for processing, any credit made to your Account shall be provisional until the final settlement of the deposited item, and you shall remain liable to the Bank for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against, the Bank.
You shall mark, stamp, or write on the original check "Electronically Presented" after scanning the check in accordance with the Endorsements and Procedures Section of this Agreement. You agree to securely store the original check for a period of fifteen (15) calendar days from the date of the Image transmission (such period the "Retention Period"). During the Retention Period, you shall take appropriate security measures to ensure that: (a) only authorized persons shall have access to original checks, (b) the information contained on such checks shall not be disclosed, (c) such checks will not be duplicated or scanned more than one time and (d) such checks will not be deposited or negotiated in any form. During the Retention Period, you agree to promptly (but in all events within 5 business days) provide the original check to the Bank upon request. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the Retention Period, shall be exclusively on you.
Upon expiration of the Retention Period, you shall securely and irretrievably destroy the original checks you transmitted using commercially reasonable methods of destruction. You are obligated to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks will be unprocessable and all sensitive personal and financial information undecipherable. You hereby indemnify the Bank for, and hold the Bank harmless from and against, any and all claims, demands, actions, causes of action, losses and damages, of whatever nature or kind, and regardless of the theory upon which the same is (are) based, caused directly or indirectly by, arising out of, related to, in connection with or resulting wholly or partially from, the retention and destruction of original checks by you.
Our duties and responsibilities are limited to those described in the Agreement, the Account Agreements, and any other agreements governing the Accounts. We will use commercially reasonable care in performing our responsibilities under the Agreement. (You agree to carefully review your Account statement and each transaction as soon as possible. If there are any errors or discrepancies regarding checks deposited through the MD Service including, without limitation, unauthorized transactions, signatures or alterations, you agree to promptly notify us of such errors or discrepancies within the time set forth in the Account Agreements. Otherwise, we will consider the information contained in your Account statement correct. Subject to applicable law, you may not make any claim against us for transactions reflected on a statement that you believe are incorrect, altered, forged, unauthorized or improperly paid unless you notify us of that claim in writing within 30 calendar days after the statement was sent or made available to you.)
In all instances, if the services of a third party provider are utilized in the provision of the MD Service, such third party's liability to you shall be limited to the correction of any errors made. We shall not be responsible for suspension of performance of all or any of our obligations, responsibilities or covenants hereunder, whether expressed or implied, if at any time, or from time to time, compliance therewith is prevented or hindered by, or is in conflict with, any federal or state law, regulation or rule, the order of any court of competent jurisdiction, any act of God or of the public enemy, war, epidemic, strike, or work stoppages of the U.S. Postal Service and commercial carrier(s), or electric power disruption or shortage, telecommunications failure or computer failures; acts, omissions or errors of any carrier and/or agent operating between you and us or us and any Federal Reserve Bank or other agency utilized to exercise transfers or any recipients of transferred funds; any incorrect, unauthorized or fraudulent use or other fraud by any person other than our employees; or, without limiting the generality of the foregoing, any other cause or circumstance beyond our control or other conditions or circumstances not wholly controlled by us, which would prohibit, retard or otherwise affect our complete or partial performance under this Agreement.
We reserve the right, from time to time, to amend this Agreement or change the features or services offered by the Online Service, in our sole discretion. In instances where such changes will have an adverse impact upon you or we are otherwise required by Applicable Law or regulation, we will send you written or electronic notice about the change at least thirty (30) calendar days prior to the effective date of any such change. If however, the change is made for security purposes, the change will be implemented without notice to you.
If any such required advance notice is returned to us as undeliverable because of a change in your address which you have not notified us about in writing or any other reason which is not our fault, the changes described in that notice are still binding on you. If you do not agree to the changes, you may terminate this Agreement in accordance with the terms of this Agreement. You will be deemed to accept any changes to this Agreement if you continue your enrollment in or use the Online Service after the date on which the changes became effective.
You agree that we are not responsible for any electronic virus that you may encounter using the Online Service. We encourage you to routinely scan your computer and diskettes using any reliable virus protection product to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy your programs, files and even your hardware.
Except as specifically provided in this Agreement or where Applicable Law requires a different standard, you agree that neither we or any third party service provider engaged by us to perform any of the services related to the Online Service, shall be responsible for any damages or losses, whether related to property or bodily injury, incurred as a result of your using or attempting to use the Online Service, whether caused by equipment, software, Internet Service Providers, browser software or any agent or subcontractor of any of the foregoing. Without limiting the foregoing, we will not be liable for delays or mistakes which happen because of reasons beyond our control, including without limitation, acts of civil, military or banking authorities, national emergencies, insurrection, war, riots, acts of terrorism, failure of transportation, communication or power supply, or malfunction or unavoidable difficulties with our equipment. You also agree that we, or any third party service provider that we engage with, will not be responsible for any direct, punitive, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Service or Internet Browser or access software, or from the unavailability of the Online Service or for any errors in information provided through the Online Service.
You authorize us and any third party service provider engaged by us, or any agent or subcontractor of any of the foregoing, to access third party sites designated by you, on your behalf, to retrieve information requested by you and related to the Online Service. For all purposes hereof, you hereby grant us and any third party service provider engaged by us, or any agent or subcontractor of any of the foregoing, a limited power of attorney, and you hereby appoint us and any third party service provider engaged by us, or any agent or subcontractor of any of the foregoing, as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with the Online Service, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE OR ANY THIRD PARTY SERVICE PROVIDER ENGAGED BY US, OR ANY AGENT OR SUBCONTRACTOR OF ANY OF THE FOREGOING, ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES RELATED TO THE ONLINE SERVICE, WE AND ANY THIRD PARTY SERVICE PROVIDER ENGAGED BY US, OR ANY AGENT OR SUBCONTRACTOR OF ANY OF THE FOREGOING, ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You authorize us and any third party service provider engaged by us, or any agent or subcontractor of any of the foregoing to (i) use any information, data, passwords, materials or other content (collectively, “Content”) you provide in connection with the Online Service and (ii) use, modify, display, distribute and create new material using such Content to provide the Online Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we and any third party service provider engaged by us, or any agent or subcontractor of any of the foregoing, may use the Content for the purposes set out above.
You agree that the results of the retrieval of information requested by you as set forth above are for use by you and us only in connection with the Online Service. You agree not to reverse engineer or reverse compile any of the service technology, associated with the Online Service.
If a court finds that we are liable to you because of what we did (or did not do, as the case may be) under or in connection with this Agreement, you may recover from us only your actual damages, in an amount not to exceed the total charges paid by you to us under and in connection with this Agreement during the 6 month period immediately preceding the event giving rise to our liability. You agree that the dollar limitation described in the preceding sentence is reasonable, to the extent permitted by Applicable Law.
You hereby indemnify the Bank and each of its parents, subsidiaries and affiliates and their respective officers, directors, employees, members, partners, agents, insurers and attorneys (each an "Indemnified Party" and, collectively, the "Indemnified Parties") for, and hold each of the Indemnified Parties harmless from and against, all actions, causes of action, claims, damages, liabilities and expenses (including reasonable attorneys' fees) of any nature or kind (including those by third parties) arising out of, or related to, the Agreement, including all actions, causes of action, claims, damages, liabilities and expenses arising out of, related to or resulting from: (a) your (i) failure to report required changes, (ii) transmission of incorrect data to the Bank or (iii) failure to maintain compliance with the Rules, (b) (i) the Bank's provision of the Online Service, and/or (ii) the Bank's action or inaction in accordance with, or in reliance upon, any instructions or information received from any person the Bank reasonably believes to be you, (c) your breach of any of your representations, warranties, covenants or other agreements or responsibilities under the Agreement and/or (d) your breach or violation of any Rules; provided, however, you are not obligated to indemnify the Bank for any damages solely and proximately caused by the Bank's gross negligence or willful misconduct.
IN NO EVENT WILL YOU BE ABLE TO RECOVER FROM US ANY SPECIAL CONSEQUENTIAL, EXEMPLARY, INDIRECT OR PUNITIVE DAMAGES OR LOST PROFITS, EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, SUBJECT TO APPLICABLE LAW.
UNLESS THE DISCLAIMER OF SUCH WARRANTIES IS PROHIBITED BY APPLICABLE LAW, THE ONLINE SERVICE IS PROVIDED AS IS, AND WE MAKE NO WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO THE ONLINE SERVICE, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGMENT.
There are no monthly maintenance fee or incidental charges and fees associated with the Online Service. We reserve the right to amend this section from time to time. Consult your Deposit Account Agreement and related Features Guide for reference to any fees or penalties that may be incurred.
We will rely on your address as it appears on our records for any required paper communications we may send to you. Please notify us of a change of address by making adjustments to the My Profile section of the Online Service or by calling us at 888-201-6505, you also agree to notify us through the Online Service or calling us in advance of any change in your banking status or other customer information, such as your e-mail address or phone number.
Your enrollment in the Online Service may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in the Online Service, you agree that the Online Service may obtain a credit report on you from time to time. Information obtained will be used by the Online Service to verify information you provide to the Online Service and for other business purposes. You agree that the Online Service reserves the right to obtain financial information regarding your Account from your financial institution (for example, for verification). In addition, you agree that the Online Service reserves the right to verify any of the information you provide.
You may not assign this Agreement, in whole or in part, or delegate any of your responsibilities under this Agreement to any third party or entity. Any such attempted assignment or delegation will not be recognized by us unless and until acknowledged by us in writing. We are not, however, under any obligation to give you our written acknowledgment.
We may, in our sole discretion and at any time, assign this Agreement, in whole or in part, or delegate any of our rights and responsibilities under this Agreement to any third party or entity.
No delay of or waiver by us of any power, right, remedy or obligation under or in connection with this Agreement on any one occasion will constitute a waiver of that power, right, remedy or obligation on any later occasion. In any event, no such delay or waiver by us is effective unless it is in writing and signed by us.
This Agreement shall be interpreted and governed in accordance with federal law and, to the extent not preempted by federal law, with the laws of the state of Rhode Island, without regard to its choice of law provisions.
If any provision of this Agreement is held to be void or unenforceable by a court of competent jurisdiction, or any governmental agency, that provision will continue to be enforceable to the extent permitted by that court or agency, and the remainder of that provision will no longer be treated as part of this Agreement. All other provisions of this Agreement will, however, remain in full force and effect.
This Agreement may be amended by us from time to time and is the entire agreement between you and us with respect to the Online Service and supersedes any and all prior communications and prior agreements between you and us with respect to the Online Service.
Citizens Access e-mail and wireless banking alerts service enables you to receive notices from time to time concerning account information and other issues relating to your Citizens Access Account(s). By signing up to receive one or more of the notices that are offered by the banking alerts service, you acknowledge that you are aware of and agree to abide by the following terms and conditions: