Credit Pay Pro Terms and Conditions
These Terms and Conditions (“Terms”) govern your use of Credit Pay Pro (the “Service”) provided by Oregonians Credit Union (“Credit Union”). By enrolling in or using the Service, you agree to these Terms.
The Service provides a platform for you make loan payments on loans you have with the Credit Union. By enrolling in the Service you authorize the Credit Union to process loan payments as requested by you. You may request payments on a one-time basis or you may request recurring payments. You may use the Service to make payments to any loan account of yours with the Credit Union using a valid debit card account number or checking account number. When we receive a payment instruction from you, you authorize us to debit or charge your account for the amount of any payment plus any related fees in effect at the time you initiate the payment instruction and to remit funds on your behalf. You agree that all ACH and payment card transactions you authorize must comply with all applicable law.
a. Payment Processing Fee
This payment service requires various process fees be paid which are specific to each payment processed. The credit Union charges a fee of $7.00 for each debit card payment and $2.50 for each EFT / ACH payment to offset the costs incurred.
b. One Time Payments
If your payment authorization is submitted after 2:00 pm, Pacific Standard Time, it will be processed as of the next business day which could result in a late payment fee or a past due status report to the credit bureau. You authorize the Credit Union to initiate an electronic payment from the deposit account or payment card identified in the “Pay From” field, for the amount specified in the “Amount” field, on the date specified in the “Payment Date” field. All late payment fees and credit bureau reporting status will be determines based on the date of payment processing.
c. Recurring Payments
If your payment authorization is submitted after 2:00 pm, Pacific Standard Time, it will be processed as of the next business day which could result in a late payment fee or a past due status report to the credit bureau. You authorize the Credit Union to initiate electronic payments from the deposit account or payment card identified in the “Pay From” field, for the “amount ” field, on the dates specified in the “Frequency” and “Payment Day” fields. All late payment fees and credit bureau reporting status will be determines based on the date of payment processing.
You certify that the account information you have provided is accurate, and that you have authority to access the account to initiate payments to your Credit Union loan account. You are responsible for ensuring that that there are sufficient funds in your account to cover any payment transaction you have initiated on the scheduled transaction date. You will pay us a fee as specified in your account agreement for any payment that is not honored or is otherwise rejected.
If there are not sufficient funds in the payment account, the payment may be returned and your loan payment will still be due. We will not automatically resubmit a payment that is returned unpaid. It is your responsibility to make arrangements to cover payments that are returned unpaid in time to avoid a late fee.
You authorize the Credit Union to initiate any reversing or adjusting transactions if necessary to correct an error.
You may cancel a payment by telephoning the Credit Union at least three business days before the scheduled payment date.
The Credit Union may suspend or terminate electronic payments at any time in its discretion. We will notify you if we suspend or terminate electronic payments. Otherwise, this authorization will remain in effect until you cancel it.
You agree not to give or make available your access or access credentials to the Service to any unauthorized individuals. You are responsible for all payments you authorize using the Service or that are made using your access credentials. If you permit authorized users or other persons to use the Service, you are responsible for any transactions they authorize.
Use of the Service is subject to Credit Union’s privacy policy, which can be accessed at: <<privacy policy url>>.
THE SERVICE IS PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS. YOU AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK. CREDIT UNION DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY EXPRESS WARRANTIES, STATUTORY WARRANTIES, AND ANY IMPLIED WARRANTIES OF: MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TO THE EXTENT YOUR JURISDICTION DOES NOT ALLOW LIMITATIONS ON WARRANTIES, THIS LIMITATION MAY NOT APPLY TO YOU. YOUR SOLE AND EXCLUSIVE REMEDY RELATING TO YOUR USE OF THE SITE SHALL BE TO DISCONTINUE USING THE SERVICE.
IN NO EVENT SHALL CREDIT UNION, ITS OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS, BE LIABLE FOR ANY DIRECT OR INDIRECT LOST PROFITS OR LOST BUSINESS DAMAGES, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF, RELATED TO, OR IN CONNECTION WITH ANY OF THE FOLLOWING: (A) YOUR USE OF THE SERVICE, THE CONTENT, AND ANY OTHER INFORMATION CONTAINED IN THE SERVICE; (B) YOUR INABILITY TO USE THE SERVICE; (C) MODIFICATION OR REMOVAL OF CONTENT ON THE SERVICE; OR (D) THESE TERMS AND CONDITIONS, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER CREDIT UNION WAS GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE.
We may change these Terms at any time by providing notice to you through the Service.
You agree that the laws of the State of Oregon without regard to conflicts of laws provisions will govern these Terms and Conditions and any dispute that may arise between us.
If any provision of this Agreement shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect.
We may terminate this Agreement at any time, with or without notice, for any reason.