eWallet Terms and Conditions
A. TERMS AND CONDITIONS OF THE Metro by
The following link provides terms and conditions related to the Payment services (the “Service”) offered by Metro by
"Agreement" means these Terms and Conditions of the Service.
"Authorized User" is you as the subscriber (“Subscriber”) to the Metro by
"Billing Account" means the account you have directly with Metro by
“Business Day” means Monday through Friday, but excluding holidays as observed by the Federal Reserve Bank.
"Funding Account" is any account (including a checking account, debit card account, or credit card account) from which or to which Payments will be debited or charged.
“Mobile Alerts” is a function of the Service whereby SMS text messages are sent to your mobile phone to serve as additional notifications of system events related to the Metro by
“Payment” is a payment transaction initiated by an Authorized User through the Service to Metro by
"Payment Date" is the day your Funding Account will be debited or charged for the Payment.
"Payment Instruction" is the information provided by you to the Service for a Payment to be made to Metro by
“Personal Information” refers to informati
“Default Funding Account” is a Funding Account that has been designated as your primary, default account, against which the Service will execute transactions unless you otherwise specify or in circumstances as described in these Terms & Conditions.
“Scheduled Payment “ is a Payment established to take place on a future date that has been established by you.
"Service" is defined in the in the first paragraph above.
"You" and "your" refer to the individual that is using the Service.
To be eligible for the Service, you must be at least 18 years old and a legal resident of the United States.
Your use of the Service is your confirmation that you meet all eligibility requirements for the Service and your acceptance of and agreement to the Metro by
The Service may impose limits on the amount of money you use or number of Payments you may execute in a period of time.
ADDING FUNDING ACCOUNTS, PAYMENT AUTHORIZATION, AND PAYMENT
You authorize the Service to add Funding Accounts to your Metro by
The first Funding Account that you add to your profile shall be deemed to be your Default Funding Accounts, unless you later change the designation of what shall be the Default Funding Account. If your identity cannot be verified satisfactorily, the Service might not allow you to add a specific type of Funding Account to your eWallet.
Neither Metro by
- If, through no fault of the Service, your Funding Account does not contain sufficient funds or a sufficient credit limit to complete the Payment or if the Payment would exceed the credit limit of your Funding Account;
- The Service's payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the Payment;
- You have not provided the Service with the correct Funding Account information, or information that you provided becomes incorrect (e.g., if you are issues a new payment card with a new card number); and/or
- Circumstances beyond the control of the Service (such as, but not limited to, fire, flood, or interference from an outside force), even if foreseeable or foreseen, that prevent the proper execution of the Payment and the Service has taken reasonable precautions to avoid those circumstances.
Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Funding Account or causes funds from your Funding Account to be directed in a manner that does not comply with your Payment Instructions, your sole remedy shall be the Service returning the improperly transferred funds to your Funding Account, and directing to Metro by
FUNDING ACCOUNT NUMBER AND EXPIRATION DATE CHANGES
If your credit or debit card account number or bank account number changes or your credit or debit card expiration date changes, we may acquire that information from our financial services partners without notice to you and update your Funding Account.
PAYMENT CANCELLATION REQUESTS
With the exception of AutoPay (as discussed below under “Cancelling Autopay Payments”), once the Service has begun processing any Payment, the Payment cannot be canceled or edited through the Service.
FAILED OR RETURNED PAYMENTS
In using the Service (including Autopay, as discussed below), you are requesting the Service to make Payments for you from your Funding Account. If we are unable to complete the Payment for any reason associated with your Funding Account (for example, if there are insufficient funds in your Funding Account to cover the Payment or your credit limit has been reached, the Billing Account or Funding Account number is not valid, the Service is unable to locate your Billing Account or Funding Account, or your Billing Account is already paid in full), the Payment might not be completed. You understand that the Service, your financial institution, your card issuer, payment processors and/or other parties may return Payments for various reasons, including those outlined above. Further, in order to manage risk, the Service may limit the Funding Accounts available, or the allowed Payment amount, for any or all Payments, including Auto Payments. The Service reserves the right to use any Funding Account found within your Metro by
An AutoPay payment is a type of Payment whereby you authorize the Service to directly charge a Funding Account in your Metro by
Upon successful AutoPay payment, the Service will provide a payment confirmation SMS text, with confirmation number.
Canceling Autopay Payments
You may cancel an Autopay Payment at any time up to three (3) Business Days prior to the date such payment is scheduled to be made. To cancel an Autopay Payment, log into your Metro by
TEXT TO PAY
If you have not established AutoPay with a Default Funding Account, you may choose to utilize the Service’s Text to Pay functionality. A Text to Pay Payment is a type of one‐time Payment whereby you authorize the Service via a mobile originated text message to directly charge your Default Funding Account in your Metro by
BILLING ACCOUNT INFORMATION
Authorization to obtain Billing Account Information - Your activation of the Metro by
Accuracy and dispute of Billing Account Information - The Service is unrelated to the maintenance of your Billing Account information. The Service is only responsible for presenting to you the information that the Service receives from Metro by
PASSWORD AND SECURITY
If you believe that your password or other means to access the Service has been lost or stolen, or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify Metro by
If you believe there has been any unauthorized transfer related to your Funding Account from the Service, you should immediately notify Metro by
You agree that the information you provide to the Service can go through a verification process. You agree that the Service reserves the right to obtain financial information regarding your Funding Account(s) from your financial institution or card issuer (for example, to resolve payment posting problems or for verification or for other purposes related to the Service). You also agree the Service may request information such as your birth date, social security number, and zip code to help prevent fraud.
SERVICE FEES AND ADDITIONAL CHARGES
Your financial institution or card issuer may assess fees associated with your accounts with them that will continue to apply to your use of the Service. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider in connection with your utilization of the Service. When applicable, Metro by
ALTERATIONS AND AMENDMENTS
This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you as required by applicable law. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. You authorize us to send or provide by electronic communication any notice, communication, amendment or replacement to the Agreement, or disclosure required to be provided orally or in writing to you. You agree to receive any electronic communication provided to you and will not attempt to avoid receiving any such communication. You are deemed to have received any electronic communication provided to you when they are made available to you.
ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile that you establish with Metro by
By accepting these Terms and Conditions, you agree to receive all notifications relating to the Service in electronic form delivered to your mobile phone or device as an SMS message or to your email account.
It is your sole responsibility to ensure that the e‐mail address and mobile phone number listed for your Billing Account are accurate and current.
SERVICE TERMINATION, CANCELLATION OR SUSPENSION
In the event you wish to cancel the Service, you may do so by contacting Metro by
In the event of a dispute regarding the Service, you agree to resolve the dispute as set forth in this Agreement. If you dispute a Payment made from a Funding Account that is a credit card account, you acknowledge that such dispute (including, but not limited to, chargeback or fraud) must be taken up with Metro by
IMPORTANT: THE Metro by
You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service, and it supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what a representative of the Service or customer service department says and the terms of this Agreement, the terms of this Agreement will prevail.
You may not assign this Agreement to any other party. The Service may assign or delegate any or all of its rights and responsibilities under this Agreement to independent contractors or other third parties.
We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
This Agreement shall be governed by and construed in accordance with the laws of the state in which Service is primarily provided to you, excluding such state's conflicts of laws principles.
LIMITATION OF REMEDIES
YOU AGREE THAT YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY FAILURE TO PROVIDE YOU WITH SERVICE UNDER THIS AGREEMENT OR Metro by
LIMITATION OF LIABILITY
THE FOREGOING SHALL CONSTITUTE THE SERVICE’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDIES IN CONNECTION WITH YOUR USE OF THE SERVICE. FURTHER, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE SERVICE, YOUR USE OF THE SERVICE, OR THE ACTS OR OMISSIONS OF Metro by
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