Mobile Wallet Terms and Conditions

Security Federal Savings Bank Mobile Wallet Terms and Conditions 


These Terms and Conditions (the “Terms”) apply when you choose to add a Security Federal Savings Bank Debit card (“SFSB Card”) to a Mobile Wallet Service. In these Terms, “you,” “your,” “their,” and “my” refer to the card member of the SFSB Card; and “we,” “us,” “our,” and “SFSB” refer to the issuer of your SFSB Card.

When you add a SFSB Card to a Wallet, you agree to these Terms:

1. Adding Card to Mobile Wallet 
A Mobile Wallet Service (“Mobile Wallet”) allows you to add your SFSB Card to an application using your mobile device. Only those SFSB Cards that we specify and approve are eligible and can be added to the Mobile Wallet.  Your SFSB Card number is replaced with a digital number or token. Once added, you understand that you may use your mobile device to make payments only where the Mobile Wallet is accepted. SFSB is not a provider of the Mobile Wallet and we are not responsible for any failure or inability to perform a transaction using the Mobile Wallet. We are only responsible for supplying information securely to the Mobile Wallet provider to allow usage of the SFSB Card in the Mobile Wallet.

2. Eligibility 
You can add SFSB Card to a Mobile Wallet, if that card is in good standing and is eligible to be added to a Mobile Wallet. If your SFSB Card or any underlying SFSB Account becomes delinquent, is in a negative status, or is otherwise maintained in an unauthorized manner, as determined by SFSB in its sole discretion, your SFSB Card may be removed by SFSB from the Mobile Wallet for continued use.

3. Relationship to Other Agreements 
You agree that when you add your SFSB Card to a Mobile Wallet, your SFSB Card and Account will remain subject to the terms and conditions of all existing agreements with SFSB. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Mobile Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Mobile Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Mobile Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions, and that we may contact you via your mobile device for any purpose concerning your Accounts at SFSB, including Account servicing and collection purposes.  In the event of conflicts between the terms of these Terms and the terms of deposit agreements, the terms of these Terms shall control.

4. Account Ownership/Accurate Information 
You represent that you are the legal owner of the Account and other financial information which may be accessed via the Mobile Wallet. You represent and agree that all information you provide in connection with the Mobile Wallet is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating the Mobile Wallet. You agree not to misrepresent your identity or your Account information.

5. Contacting You Electronically and by Email 
You consent to receive electronic communications and disclosures from us in connection with your SFSB Card and the Mobile Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any SFSB Card Account.

6. SFSB Is Not Responsible for the Wallet.
SFSB is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you.  We are only responsible for supplying information securely to the Wallet provider to allow usage of the SFSB Card in the Wallet.  We are not responsible for any failure of the Wallet, for any errors, delays caused by or the inability to use the Wallet for any transaction.  We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third-party relationships that may impact your use of the Wallet.

7.  Removing Your SFSB Card from the Mobile Wallet 
You should contact the Mobile Wallet provider on how to remove a SFSB Card from the Mobile Wallet. We can also block a SFSB Card in the Mobile Wallet from purchases at any time.

8. Transaction History.
You agree and acknowledge that the transaction history displayed in the Wallet solely represents our authorization of our Wallet transaction and may not reflect complete information about the transaction, nor any post-authorization activity, including but not limited to clearing, settlement, foreign currency exchange, reversals, returns or chargebacks.  Accordingly, the purchase amount, currency, and other details for the Wallet provider’s transaction history in connection with use of your SFSB Card in the Wallet may be preliminary and/or incomplete, and may not match the transaction amount that ultimately clears, settles, and posts to your Card Account Statement, which shall be deemed the prevailing document.

9. Measures to Maintain Your Privacy and Security 
Once you have added your SFSB Card to a Mobile Wallet, SFSB is responsible for securely transmitting your information to your Mobile Wallet provider. Your information is only sent through secure channels. You agree that we may share your information with the Mobile Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your SFSB Card transactions, and to improve our ability to offer these services. We do not control the privacy and security of your information that may be held by the Mobile Wallet provider, which is governed by the privacy policy given to you by the Mobile Wallet provider. You agree not to leave your mobile device unattended while logged into the Mobile Wallet and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your mobile device, you agree to immediately cancel your access to the Mobile Wallet associated with the mobile device. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your Accounts. You agree to comply with all applicable laws, rules and regulations in connection with your SFSB Card. You agree to take every precaution to ensure the safety, security and integrity of your Account and transactions when using the Mobile Wallet. We may, in some cases, make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our card members; or where the card member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members.

10. Changes in These Terms and Conditions 
Except as otherwise required by law, SFSB may in its sole discretion change these terms, and modify or cancel the eligibility to use your SFSB Card with a Mobile Wallet provider at any time, without notice. You cannot change these terms, but you can terminate them by removing your SFSB Card(s) from the Mobile Wallet. SFSB reserves the right to refuse any transaction for any reason.

11. Exclusion of Warranties; Limitation of Liability; Indemnification 
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A MOBILE WALLET PROVIDER IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE MOBILE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND SFSB IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. SFSB MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A MOBILE WALLET.

12. Questions.
If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider.  If you have questions or complaints about your SFSB Card, you should contact us by referring to the contact information in your Account Agreement.

By selecting the “I Agree” box you agree to all terms, conditions, and notices contained or referenced in these Terms and you are providing your express consent.