Zelle® Terms of Service
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Zelle® Terms of Service 1. Description of Services a. We have partnered with the Zelle Network (“Zelle”) to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle®or enrolled with another financial institution that partners with Zelle (each, a “User”) using aliases, such as email addresses or U.S. mobile phone numbers (the “Service”). We will refer to financial institutions that have partnered with Zelle as “Network Banks.” b. Zelle provides no deposit account or other financial services. Zelle neither transfers nor moves money. You may not establish a financial account with Zelle of any kind. All money will be transmitted by a Network Bank. c. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. 2. Acceptance of Terms The Zelle Terms of Service “TOS" is a legal agreement between you and GECU that you must accept in order to use the Service. The Terms “you,” “your,” and “users” refer to the end users of the Service. The terms “GECU,” “we,” “us,” and “our” refer to GECU and its affiliates and service providers. By accepting the TOS or by accessing or using the Service, you agree to be bound by the TOS. The TOS may, as the Service changes or at GECU’s discretion, be revised to accurately reflect the Service at that future point in time. We may additionally add to, amend, or delete any terms of the TOS in our sole discretion. Your continued use of the Service will reflect your acceptance of the revised TOS. Notice of changes will be provided as required by applicable law or if your rights under the TOS are expected to materially change. We may post notices electronically within the Online Banking program to the extent permitted by law. If any change to the TOS is not acceptable to you, you must discontinue the use of the Service immediately. The TOS is in addition to other agreements applicable to your deposit accounts and electronic fund transfers services; for additional relevant information, please review the GECU Online and Mobile Banking Agreement, the GECU Terms and Conditions, and any other agreements associated and/or related to the Service or your deposit account, all of which have been provided to you previously and are available on our website. All such agreements are incorporated into this TOS and may be amended from time to time. In the event of any conflict between the terms of any applicable agreements and the terms of this TOS, the terms of this TOS shall prevail. If you link any of your accounts or services to a third party app or payment service (including but not limited to PayPal, Zelle or Venmo) you understand and agree that these are not Credit Union services; and any transactions you make will be subject to your agreements with the app or service provider. You understand that these apps and services do not provide the same protections from fraud or other misapplication of funds as traditional direct banking services. If we transfer any funds as directed by you or anyone you authorize to the app or third party service provider such transfer(s) shall in all respects be an authorized transaction and we will have no further obligation or liability if the app or provider then transfers the funds to a fraudster or the funds are otherwise misapplied. Further, you understand that funds transferred to/via a third party App may not be federally or otherwise insured; and you assume all risks should your funds become unavailable for any reason. 3. Eligibility and User Profile Revised 9/22/20 When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Terms of Service (“TOS”). You represent that you are at least 18 years of age and you have the authority to authorize debits and credits to the enrolled deposit account. You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. The Service is intended for Consumer Personal Checking Accounts. The service is not intended for business accounts or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose. 4. Consent to Share Personal Information (Including Account Information) You authorize us to disclose information about you, including your email addresses and/or telephone numbers associated with your use of the Service to Network Banks and Zelle to process and route transfers to and from your designated GECU accounts. You also authorize us to store information you provide about the Users you send money to for your future use. We may also disclose information to third parties about you and your account as necessary to complete transactions, provide the Service, or as otherwise permitted by GECU’s Privacy Notice. 5. Privacy and Information Security We make security and the protection of your information a top priority. You can access our Privacy Notice at https://www.gecu.com/Privacy-Notice, which is incorporated into and made a part of this TOS by this reference. 6. Wireless Operator Data We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See Zelle’s Privacy Policy https://www.zellepay.com/privacy-policy for how it treats your data. 7. Enrolling for the Service a. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and a permanent U.S. mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers). The following applies for mobile phone numbers before registering: i. You may not enroll in the Service with a landline phone number, Google Voice number, or Voice over Internet Protocol. ii. The mobile phone number must be active and in your name or the name of a member that is associated with that account. iii. The mobile phone number is associated with a U.S. Mobile Network. Revised 9/22/20 iv. The mobile phone number is not an international number (i.e. does not have an international subscriber identification module (SIM) card). b. Once enrolled, you: i. Authorize us to withdraw available funds from your designated account to send money to another User either at your initiation or when accepting a request sent by another User. Some accounts may not be eligible to be used with the Service. “Available funds” means funds in your designated account that are available to pay your requested transactions and are not subject to any kind of hold. You agree to maintain sufficient available funds in the same designated account for each transfer you request or respond to until the transfer is completed. Transfer requests will only be completed if sufficient available funds exist. Overdraft Protection (including Overdraft Privilege) and Lines of Credit will not be available when using the Zelle service; ii. Authorize receipts of money sent to you or requested by you through the Service from another User either at that User’s initiation or at your request, subject to the conditions of the Section below titled “Requesting Money;” and iii. Must send or receive money at least once in the last 18 months to avoid deactivation of your registered mobile phone number or email address. iv. Will be deactivated from Zelle if your mobile phone number is deactivated by the mobile carrier. 8. Consent to Emails and Automated Text Messages By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this TOS. You consent to the receipt of emails or text messages regarding this Service from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Services or related transfers between Network Banks and you.