Services, and conduct transactions including, without limitation, your password, verification information, name of your Credit Union, and Account information. You will only enroll in Sprig for yourself and not for any other person. (b) If an Account is owned by more than one person or has more than one person authorized to transact business in the Account, you agree that each such person individually has the right to enroll the Account in the wallet, access the Services to conduct transactions in the Account including receiving and sending payments to and from the Account, transact business in the Account, provide us with instructions for transactions in the Account, make any decision, obtain any information, or make any request associated with the Account and Services, to the extent permitted by the agreement with your Credit Union covering the Account. Specifically, we may rely and act on the instructions of any such person without incurring liability to you. All transactions that such person performs in the Account or accessing the Services, including those you do not want or intend, are transactions authorized by you, and you are solely responsible for them and neither we nor your Credit Union are responsible for them. You further agree that any requirement of verifying two or more signatures on any Item, such as checks, will not apply to transactions conducted accessing the Services, and that we and the relevant Credit Union will have no liability for such transactions without the requisite verification. This means that any authorized signer on your Account is authorized by you to individually make a transfer or payment from the Account accessing the Services even though that person’s authority to otherwise make a transfer or withdraw funds by other means (e.g., check) must be exercised jointly with you or other persons. This provision controls and supersedes any conflicting provisions in any other agreements you may have with your Credit Union. (c) You agree that all of the information you provide in the enrollment process and at all other times is accurate, current, complete, and true. You agree to notify your Credit Union and us at any time the information you provide is no longer current, accurate, complete, or true, and that it is your sole responsibility keep all such information promptly updated with us and your Credit Union. If you provide inaccurate, incomplete, or false information, or we or your Credit Union reasonably suspect that the information you have provided is inaccurate, incomplete, or false, your access to Sprig and the Services may be suspended or terminated without notice. (d) You are responsible for maintaining the confidentiality of any information you provide during the enrollment process and at all other times including, without limitation, your password, enrollment data, other verification information established by you, name of your Credit Union and Account information, and all transactions and other activities that occur using your password, enrollment data, or other verification information and Account information, whether supplied to you by us or provided by you during the enrollment process. You assume full responsibility for the consequences of any unauthorized use of or access to the Services, or disclosure of any confidential information or instructions provided by you. (e) You may not, and you agree not to, transfer or assign your access to Sprig or the Services to any third party.
send you certain information including information about your Accounts, your enrollment in and access to Sprig and the Services, or notices about payments to and from your Accounts (See “RealPay by CO-OP” section below). This request may be when you enroll in Sprig or when you access certain Services. We will determine what information or notices to send you based on the Services accessed. When you provide us with your mobile phone number and/or an email address, either when you enroll in for Sprig or at any other time when you access the Services, you are agreeing (a) to receive communications about your Accounts in relation to the Services, or transactions through the Services and/or your access to the Services from us or your Credit Union via phone calls or text messages to the mobile phone number, or email to your email address, that you provided when you enrolled in Sprig or at any later time, that appears in your profile, or that you provided to your Credit Union; (b) that we or your Credit Union will determine in our/its sole discretion whether to send you a text message, email, or make a phone call to you; (c) that we or your Credit Union may call your mobile phone number using pre-recorded/artificial voice messages and/or through the use of an automatic telephone dialing system; (d) that text messages may be sent to your mobile phone number through the use of an automatic telephone dialing system; and (e) that calls or text messages to your mobile phone number may result in charges to you. You represent and warrant that you are the subscriber to the mobile phone number you provide to us or your Credit Union, or that appears in your profile, and that you are authorized to give this consent, and you agree that your wireless provider or Internet service provider is acting as your agent in this capacity. You understand and agree that the text messages and emails are subject to the terms and conditions of your wireless provider or Internet service provider and that text messages and emails may not be encrypted. In our or your Credit Union’s discretion, text messages may be sent to the mobile phone number provided to us/it by you or the sender of payments to your Account for notifying you that a payment is available to be claimed by you after you follow our instructions. You also understand and agree that text messages can be delivered to your mobile phone whether or not you are logged into the Sprig mobile application on your mobile phone and whether or not your mobile phone is locked, in sleep mode, or turned off. With respect to our text banking service only, if you want to stop receiving text messages from us you must respond to our text by texting “STOP,” and we will stop sending you text messages as soon as we can reasonably act on your instruction. You agree to hold us and your Credit Union harmless and release us and your Credit Union from any liability in connection with text messages and emails that fail to be delivered to you. We and your Credit Union will never send you a text or email message that asks you to supply any sensitive personal or financial information, such as your social security number or your account number. If you receive such a request, do not respond to it and contact your Credit Union immediately. Data and messaging charges may apply and you are responsible for all such charges. In the event the mobile device you use for the Services is lost or stolen, you agree to update your enrollment information and do all things necessary to disable the device.
*We do not recommend reliance on Windows XP as Microsoft no longer supports it. For accessing the Sprig website and the Services through a mobile device: (i) A mobile device with a compatible operating system, such as: (a) iOS 5 and higher; (b) Android OS 4.0 and higher for mobile handsets; or (c) Android OS 4.0 and higher for tablets. (ii) And either: (a) Access to the Internet using the default browsers included by your mobile device manufacturer; or (b) The latest Sprig, CO-OP Mobile or RealPay by CO-OP application compatible with your device platform. (iii) A valid email account with adequate storage to save communications delivered electronically or a printer to print the communications. (iv) A valid mobile phone number. 12. Communications You Send to Us. Any notice you send us on behalf of your Credit Union will not be effective until we and your Credit Union actually receive it and have a reasonable opportunity to act on it. The Sprig mobile application allows you to securely communicate information or give comments about the Services to us. These secure messages can be sent to us after you log in to Sprig through the mobile application on your mobile device. To ensure the security of your confidential information (e.g., Account number, transaction details, your authentication information), you should only use the forms provided in the mobile application to communicate with us. You cannot use the secure messaging or email to initiate or cancel transactions. 13. OUR DISCLAIMER. TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER WE NOR YOUR CREDIT UNION MAKE ANY REPRESENTATIONS OR WARRANTIES ABOUT SPRIG OR THE SERVICES OR TRANSACTIONS YOU CONDUCT ACCESSING THE SERVICES OF ANY KIND, EXPRESS OR IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR WARRANTIES, WHICH MAY BE MADE BY ANY AFFILIATE OR ANY OTHER THIRD PARTY, INCLUDING IN RELATION TO ANY INACCURACIES OR OMISSIONS WITH RESPECT TO SPRIG OR THE SERVICES OR TRANSACTIONS. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE AND YOUR CREDIT UNION DISCLAIM ANY WARRANTIES REGARDING THE OPERATION, PERFORMANCE, OR FUNCTIONALITY OF THE SERVICE (INCLUDING, WITHOUT LIMITATION, THAT THE SERVICE WILL OPERATE WITHOUT INTERRUPTION OR BE ERROR FREE). THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THE SERVICES. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT, EXCEPT AS EXPRESSLY STATED HEREIN OR AS REQUIRED BY LAW, YOUR ENROLLMENT IN AND ACCESS TO SPRIG AND THE SERVICES IS
and for any purpose available through the Services, whether available now or in the future; and (c) conduct any transactions available to be conducted through the Services whether now or in the future in the eligible Business Account. You also agree to notify your Credit Union of the following: (a) any change in a representation or statement made or furnished by you or on your behalf in your application; (b) if a material change occurs in your ownership or organizational structure (acknowledging that any change in ownership will be deemed material when ownership is closely held); (c) you liquidate, dissolve, or enter into any consolidation, merger, partnership, or joint venture; (d) you sell any assets except in the ordinary course of business as now conducted, or sell, lease, assign, or transfer any substantial part of your business or fixed assets or any property or other assets necessary for the continuance of your business as now conducted including, without limitation, the selling of any property or other assets accompanied by the leasing back of the same; (e) you cease doing business, become insolvent, a receiver is appointed for all or any part of your property, you make an assignment for the benefit of creditors, or any proceeding is commenced either by you or against you under any bankruptcy or insolvency laws or any other law or laws relating to debtors; (f) if you are a sole proprietorship, and the owner dies; (g) if you are a partnership, and any general or managing partner dies; (h) if you are a corporation, and any principal officer or 10.00% or more of the shareholders die; (i) if you are a limited liability company, and any managing member dies; (j) if you are any other form of business entity, and any person(s) directly or indirectly controlling 10.00% or more of the ownership interests of such entity dies; (k) If there is any change in the Authorized Representatives or authorized signers for any account(s); (l) any creditor tries to take any of your property on or in which your Credit Union has a lien or security interest, including a garnishment of any of your Credit Union accounts; (m) a judgment or judgments is entered against you that is not satisfied within thirty (30) days or stayed pending appeal; (n) an involuntary lien or liens is attached to any of your assets or property and not satisfied within thirty (30) days or stayed pending appeal; (o) an adverse change occurs in your financial condition or applicable credit histories; or (p) you are in default under any agreement for borrowed money or any other material contract. You further agree to provide your Credit Union any financial records reasonably requested to determine your financial status in order to enroll in Sprig and access the Services and for so long as you are accessing any of the Services. 16. Links to this Website or Mobile Application. You may not create a link to any page of the Sprig website or mobile application without our prior written consent. If you do create a link to a page of the Sprig website or mobile application, you do so at your own risk and the exclusions and limitations set out above will apply to your use of the Sprig website and mobile application by linking to it. 17. Links from the Sprig Website. We do not monitor or review the content of other party’s websites or applications which are linked to and from the Sprig website or mobile application. We do not endorse products or services appearing on linked websites or purchased via linked websites or applications, and we do not make any representations or warranties concerning third party services or web sites or applications. Opinions expressed or material appearing on such websites or applications are not necessarily shared and are not endorsed by us, and we should not be regarded as the publisher of such
payments using RealPay by CO-OP, you must log into Sprig from your personal computer or your mobile device on which you downloaded the mobile application and enter your user ID and password. When you click on the RealPay by CO-OP link you will be given instructions to follow for making payments (“Payment Instruction”) from your Account to a recipient’s Account. (b) What You Authorize By Your Payment Instruction. When you submit a Payment Instruction including providing the recipient’s name, mobile phone number, email address, and Account information (“Recipient Information”), you authorize (a) us to submit your Payment Instruction to your Credit Union, and (b) your Credit Union to follow your Payment Instruction, debit the Account you designate (“Designated Account”) in the Payment Instruction for the full amount of the payment, and remit the amount of funds through the Services to the recipient’s Account on behalf of your Credit Union acting upon your instructions. You also authorize us to return unclaimed payments to your Credit Union, and you authorize your Credit Union to credit the Designated Account for unclaimed payments that are returned through the Services, or which were cancelled and returned to your Account because the processing of the Payment Instruction could not be completed. (c) Types of Payments Available and Limitations. You may submit a Payment Instruction to make a one-time payment or recurring payments to recipients with Accounts at U.S. Financial Institutions. You may also receive a one-time payment or recurring payments from a third party sender’s Account in the Account designated by the sender in the Payment Instruction submitted by the sender to his/her Financial Institution through the Services. For security reasons, there are limits on the number of and dollar amounts of payments you can make and receive through RealPay by CO-OP. The limits, which are subject to change, are: you are limited to daily payments totaling $1500 and monthly payments totaling $5000. There is no dollar limitation for each payment subject to these maximums. Your Credit Union (or the recipient’s Financial Institution) may have additional limitations, which will be disclosed directly to you by your Credit Union or to the recipient (by the recipient’s Financial Institution). (d) Prohibited Payments. You are not permitted to conduct, attempt to conduct, receive, or attempt to receive, as applicable, the following types of payments through the Services: i. Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States); ii. Payments (send or receive) that violate any federal or state law, state regulation, or local ordinance; iii. Payments (send or receive) related to a gambling debt, gambling, or gaming activities; iv. Payments (send or receive) for payment or collection of an overdue or defaulted debt; v. Payments (send or receive) for court-ordered amounts such as alimony or child support; vi. Send payments for tax payments; and vii. Receive payments for an amount owed to someone other than you.
The following disclosures apply only to electronic fund transfers covered by the Federal Reserve Board’s Regulation E that debit or credit a consumer’s checking, savings, or other asset account. Further, we are only responsible to you under these disclosures to the extent required by Regulation E. In all other cases, your Credit Union is the party responsible to you under these disclosures. (a) Error Resolution Notice In case of errors or questions about your transfers or payments accessing the Services through Sprig, telephone us toll free at 866-698-8896, write us at 9692 Haven Ave. Rancho Cucamonga, CA 91739, ATTN: Sprig Support, or email us at firstname.lastname@example.org. Please contact us as soon as possible if you think your statement is wrong, or if you need more information about a transfer or payment listed on the statement or that you made through the Services. We must hear from you no later than 60 days after the date you received the FIRST statement on which the problem or error appeared. (i) Tell us your name and account number (if any). (ii) Describe the error, transfer, or payment you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. (iii) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Account within 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 10 business days, we may not credit your Account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. (b) Your Liability for Unauthorized Transfers and Payments. Tell us AT ONCE if you believe your log-in information (i.e., username, password, or token) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or the theft of your log-in information, you can lose no more than $50 if someone used your log-in information without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your log-in information, and we can prove that we could have stopped someone from using your log-in information without your permission if you had told us, you could lose as much as $500.
for the 21st Century Act (“Check 21”) and Regulation CC for the creation and/or transferring of a Substitute Check (as defined in Regulation CC) created from that check image; (viii) you have complied with all rules, regulations and laws concerning the deposit; (ix) neither us, your Credit Union, nor any other Credit Union will sustain a loss as a result of your deposit of a check image; (x) you are not accessing the Services, or using your credit union or any other Credit Union as a conduit for money laundering or other illicit purposes; (xi) there is no pending or outstanding order or judgment, and there is no law or regulation that would prohibit the deposit or the transaction relating to the deposit; (xii) you are not a national of a designated blocked country or “Specially Designated Nations,” “Blocked Entity” or have any other designation or otherwise blocked as defined by the United States Office of Foreign Assets Control. (c) Conditions For Using the RDC Service. (i) If your check image cannot be processed your deposit will be rejected. Neither your Credit Union nor we will be responsible for unacceptable or rejected check images. We or your Credit Union may, but are not required to, review the check images deposited and your Credit Union’s or our failure to do so shall not serve as a waiver or release of you from any liability hereunder. (ii) When you use the RDC Service to make a deposit, you will receive, for your records, a confirmation screen of the deposit on your mobile device, and optionally, a confirmation can be sent to an email address that you provide to us or your Credit Union. This is not confirmation that the check image deposit was received and processed or credited to your account, but you can confirm that your check image was processed and successfully deposited by checking your account balance, contacting your Credit Union, or reviewing your statement from your Credit Union. You can also check your balance through the Sprig Services to confirm your deposits. (iii) You understand and agree that a mobile device is like any other piece of hardware, may become inoperable over time with regular usage, and may require maintenance. You are solely responsible for determining whether your mobile device is operable, its maintenance, and replacing your mobile device at your cost, when it becomes inoperable. You are solely responsible for the cost of the wireless network service or any other services or networks used to access the Services. (iv) You will cooperate with your Credit Union should your Credit Union need assistance in balancing transactions or such Items will be placed in suspense pending resolution. (v) Image quality must conform to all the generally applicable industry standards, such as the industry standard x9.37 image quality requirements, as adopted by the Federal Reserve Bank. (vi) All Items deposited must be Conforming Items. “Conforming Items” are negotiable checks payable in US funds, are not postdated or stale dated, are properly signed, are properly endorsed with the signature of the payee and the restrictive endorsement “Sprig Mobile Deposit only”, and represent funds due to account holder. Items that are not Conforming Items will not be accepted for deposit. (vii) You are solely responsible for any Item for which you have received credit and any such Item that is returned or rejected may be charged to your Credit Union Account.
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