Authorization and Terms and Conditions for Payments

Authorization and Terms and Conditions for Payments (the "Agreement")

You are accessing the USCB America online payment portal (the "Service").

Please read this Agreement carefully before accessing or using the Service. By accessing or using the Service, you agree to be bound by the terms and conditions below. If you do not accept the terms and conditions of this Agreement, you may not access or use the Service. USCB America may modify this Agreement from time to time, and such modifications shall be effective immediately upon posting of the modified Agreement. By continuing to access or use the Service following such modifications, you agree to be bound by the modified Agreement. USCB America has no obligation to notify users of the posting of a modified Agreement.

Payment Services.

By accessing the Service, you authorize USCB America (1) to establish and maintain your payment authorizations and (2) to process your payments according to your instructions.

Account.

By accessing the Service, you acknowledge that you are responsible for one or more accounts placed for collection with USCB America by your creditor or creditors.

Types of Payments and Who you are Paying.

You may use the Service only to authorize the payment of account(s) placed with USCB America that you authorize will be made from a bank or financial institution account, including, by credit or debit card, (the "Transaction Account") that you designate. It is your responsibility to establish and maintain the Transaction Account and to pay any and all fees associated with the Transaction Account. By accessing the Service, you represent that you have the authority to authorize USCB America to take the payments from the Transaction Account according to the terms of this Agreement. Any payments by check are converted to ACH and you may not receive a copy of your canceled check.

Electronic Funds Transfers.

You may authorize one-time or recurring payments on one or more of your accounts. By using the Service and selecting the "Submit Payment" button, you are authorizing USCB America to complete an electronic funds transfer from the bank or financial institution maintaining the Transaction Account. You may print a copy of your authorization after your payment is submitted.

Payment Amount.

You may authorize a one-time or recurring payment in an amount of at least $50.00 an account unless the account is less than $50.00. If the account is less than $50.00 and you wish to make payment, you must pay the account in full. You may authorize a one-time or recurring payment in any amount exceeding $50.00 up to the total amount of the account or the Confirmed Payment Arrangement, if you have a Confirmed Payment Arrangement. By processing any payment less than the full balance owed, you understand and agree that USCB America is not agreeing to a specific payment arrangement unless that payment arrangement is expressly confirmed by a representative of USCB America via telephone, email, text or letter ("Confirmed Payment Arrangement"). A receipt, letter or payment authorization you print from the Service does not alone constitute agreement by USCB America to a specific payment arrangement. Unless you have a Confirmed Payment Arrangement or you have requested we cease communication with you or you pay the account in full, further collection activity may continue.

Timing.

By providing USCB America with a payment authorization under the Service, you authorize USCB America to charge the Transaction Account to remit funds on your behalf to pay accounts you designate that are placed with USCB America. It is your responsibility to make timely payment authorizations, so that the funds will arrive before the date on which they are due if you have a Confirmed Payment Arrangement. You may designate a payment post-date up to and including the payment due date; however, if you enter a payment post-date after 5:00 p.m. Eastern time, USCB America may change the payment post-date to the date of USCB America's next business day.

Revocation of One-time or Recurring Payments.

In order to revoke or cancel a one-time or recurring payment scheduled using the Service, go to "Manage Payment" and follow the on screen process at least three business days ahead of your scheduled payment. You are not permitted to change, revoke or terminate a one-time or recurring payment if that payment is in process. A payment is in process on the posting date of the payment. You may have the legal right to revoke electronic payments by contacting the bank where you hold the Transaction Account. Contact your bank to determine the information and time your bank needs to process your revocation.

Fees for Use of the Service/Non-sufficient Funds Charges.

USCB America does not charge any monthly or payment transaction fees to use the Service. However, if you are a California resident, we may charge up to $35.00 for a check returned to us because of insufficient funds.

Account Management Electronic Communications Information.

By accessing the Service and selecting electronic communications (either text or email), you are authorizing USCB America to send you electronic communications. USCB America will send those electronic communications to the email address or cell phone number you identify in your registration preferences for the Service ("Account Management Email Address"). If your email address or cell phone number changes or becomes disabled, you must notify us immediately by updating your electronic contact information on the "Preferences" section of the Service. Updates to the preferences section of this Service will take effect within 24 hours. You understand and agree that USCB America may send electronic communications to you whether or not anyone other than you is able to access your electronic communications.

SMS

By enrolling in text messaging, you are agreeing to receive text messages from USCB regarding your debt collections account including payment reminders and notifications. Message and data rates may apply. Message frequency will vary. To opt-out of text messaging, reply "STOP" to 81989. For information or help regarding your account or messaging preferences, please call 888-CARE-398.
Click here for our privacy policy: https://b2b.uscbamerica.com/privacy-notice/

Copies of Documents.

During the period USCB America retains documentation of your account, you may print a copy of this Agreement or any authorization to make a one-time or recurring payment. These copies free of charge.

Prohibited Conduct.

You agree you will not use the Service to conduct any fraudulent or illegal activity; violate any statute, regulation or other legal authority; violate the property or privacy rights of USCB America or those of any other person or company; interfere with or obtain unauthorized access to USCB America computer systems or those of any other person or company; or impersonate the identity of USCB America or that of any other person or company.

Accuracy of Information.

You agree that all information you provide to USCB America in connection with the Service is true, correct and complete. You agree not to misrepresent your identity or authority to view information or to schedule any payment using the Service.

Protect Your Personal Information.

You will keep your account information, security questions and answers secret. You will tell USCB America immediately if you believe there has been an unauthorized use of your credentials or the Service. Please tell us by calling 800-720-6570. USCB America will not be responsible for any loss or damage you may suffer as a result of someone using your credentials or the Service whether with or without your permission or knowledge. If you give your user name, password, or security questions and answers to someone else or allow someone else to use the Service, you will be responsible for all actions taken by that person including, without limitation, the scheduling of any payments or the updating or removal of any payments scheduled on your account, even if that person exceeds your permission.

Responsibility of USCB America.

USCB America will use all reasonable efforts to process all your payment authorizations promptly and properly, provided the authorizations are actually received by USCB America. USCB America will not be responsible for any failure to process a payment authorization that is not actually and completely received by USCB America for any reason, including user error, equipment malfunction, natural disasters or impediments, or inaccurate or incomplete information.

USCB America shall incur no liability if it is unable to complete a payment authorization initiated by you because of the existence of any one or more of the following circumstances:

Bank or Financial Institution Limitations.

In using the Service, you are requesting USCB America to make payments for you from your designated Transaction Account. If your bank or financial institution is unable to process a transaction (for example, there are not sufficient funds in the Transaction Account to cover the transaction, or if funds in the account are unavailable for any reason), the transaction may not be completed. There may be limits or restrictions upon the number or frequency of payments that may be made from your Transaction Account under applicable law or under the terms of your agreement with the bank or financial institution maintaining the Transaction Account. USCB America's obligations under the Service are subject to any such limits or restrictions, and USCB America has no duty to notify you of any such limits or restrictions.

DISCLAIMER OF WARRANTIES.
USCB AMERICA IS PROVIDING THE SERVICE "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT. USCB AMERICA DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

LIMITATION OF LIABILITY.
IN NO EVENT SHALL USCB AMERICA OR ANY LICENSORS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF USCB AMERICA OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the above limitation may not apply to you.

Assignment.

You may not assign this Agreement to any other party. USCB America may assign this Agreement to any directly or indirectly affiliated company. USCB America may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

General.

This Agreement is governed and shall be construed in accordance with the laws of the State of California, excluding its choice of law rules. This Agreement constitutes the entire agreement and supersedes any prior agreements or understandings, oral or written, between USCB America and you concerning the Service and may only be amended as provided herein. Failure or delay in enforcing any right or provision of this Agreement shall not be deemed a waiver of such provision or right with respect to any subsequent breach or a continuance of an existing breach. If any provision of this Agreement shall be held to be unenforceable that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.