Mobile Wallet Terms and Conditions

Definitions.  These Terms and Conditions (the “Terms”) apply when you add an Illinois Educators Credit Union (“A+ Access Card”) Debit and or Illinois Educators Credit Union (“Classic Card or Gold Cards”) listed below as IECU Card(s) to a Mobile Wallet Service.  In These Terms, “you” and “your” refer to the Card Holder of the IECU Card(s), and “we” “us” “our” and “IECU” refer to Illinois Educators Credit Union / “Platform Provider” means the third-party mobile payment enabler that supports or provides the Mobile Wallet Service to IECU for your ultimate use.  A Mobile Wallet Service (“Mobile Wallet”) is a digital wallet platform operated by a vendor (“Platform Provider”) that allows you to add eligible IECU Cards to an application using your mobile device, permitting you to make: (i) payment at merchant point-of-sale terminals or readers that accept payments using a mobile card (in lieu of you presenting your physical card); and (ii) in-app or other digital commerce payments at participating merchants.  Your IECU Card number is replace (provisioned) with a digital number or token.  Once added, you may use your mobile device to make payment only where the Mobile Wallet is accepted.  IECU is not a provider of Mobile Wallet Service and we are not responsible for any failure or inability to perform a transaction using Mobile Wallet.  We are responsible only for supplying information securely to the Platform Provider to allow usage of IECU Cards in Mobile Wallet.

Account Eligibility:  Active IECU Card Accounts in good standing, as determined by IECU in its sole discretion, are eligible to be added to Mobile Wallet.  If your IECU Card or any associated IECU account becomes delinquent or is otherwise no longer in good standing, IECU may remove your IECU Card(s) from the Mobile Wallet Service.

Relationship to Existing Agreements:  You agree that when you add you IECU Cards to Mobile Wallet, your IECU Cards and underlying accounts will remain subject to the terms and conditions of all existing agreements with IECU, including, but not limited to the IECU Classic Card and IECU Gold Card Agreement and Disclosure Statement, Electronic Funds Transfer Disclosure, and IECU’s Fee Schedule.  We currently do not impose a fee for using your cards through Mobile Wallet Service, but we reserve the right to do so in the future.  You acknowledge that certain message and data rate may apply from your wireless service providers and or carries which might impact your use of the mobile wallet service.  For example, your mobile service carrier or provider may impose data usage or text changes for your use of the Mobile Wallet Service, including downloading the required software, receiving or sending test messages, or other use of your mobile device when you are using the software or other services provided by the Mobile Wallet.  You agree that you are responsible for all such fees and restrictions, and that we may contact you via your mobile device, via email or automatically dialed calls or texts, for any purpose regarding your IECU accounts, including but not limited to account servicing and collections.  If you have a joint account, a notice to one of you shall service as notice to all of you.

Protections of Your Privacy and Security:  Once you have added your IECU Card(s) to the Mobile Wallet Service, IECU is responsible for securely transmitting your information to the Platform Provider through secure channels.  You agree that we may share your information with the Platform Provider, a payment network, and other third parties in order to provide the services you have requested, to make information available to you about your IECU card(s) 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 Platform Provider.  You agree not to leave your mobile device unattended while logged in to the Mobile Wallet Service and to log off immediately at the end of each session.  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 Service associated with the mobile device.  You agree to provide us with immediate notice in the event you suspect any unauthorized access to any of your IECU accounts. 

You agree to comply with all applicable laws, rules and regulations in connection with your IECU Card(s) and the use of the Mobile Wallet Service.  Subject to the IECU Agreements governing use of the IECU Card(s) you add to Mobile Wallet, you are responsible for all transactions made using your IECU Card(s).

You agree to take reasonable precautions to ensure the safety, security, and integrity of your account and transactions when using the Mobile Wallet Service, including and security features and procedures the Platform Provider and your mobile device may offer to protect against unauthorized use of your IECU Card(s).

We may make individually identifying information available only in the following circumstances: when ordered by a court or other legal body or when it is lawfully permitted or required; when we have agreed to provide information to vendors and partners to make products and services available to our members; or when you have requested or consented to the disclosure of information.  If we disclose information to outside vendors, we will require that they use it only to provide previously agreed to services for our members. 

Account Ownership / Accurate Information:  You represent that you are the legal owner of the accounts and other financial information which may be accessed via the Mobile Wallet Service.  You represent that all information you provide in connection with Mobile Wallet is accurate, current and complete, and that you have the right to provide the information to us for the purpose of operating Mobile Wallet.

Changes in Terms and Conditions:  We may, in our sole discretion, change the Terms and modify or cancel the Mobile Wallet Service or your eligibility to use your IECU Card(s) with Mobile Wallet Services at any time, without notice, unless it is required by law.  Your continued use of the Mobile Wallet Service after such changes have been made constitutes your agreement with the revised Terms, even if you have not reviewed such changes.  You cannot change the Terms of Mobile Wallet Service.  To cancel the service, you may remove your IECU Card(s) from Mobile Wallet.

Disclaimers, Limitation of Liability, and Indemnification:  YOU UNDERSTAND AND AGREE THAT YOUR USE OF MOBILE WALLET SERVICE IS AT YOUR SOLE RISK.  ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE MOBILE WALLET SERVICE IS OBTAINED AT YOUR OWN DISRETION AND RISK, AND IECU, ITS EMPLOYEES AND SUPPLIERS, ARE 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, BUG, MALFUNCTION, OR OTHERWISE.  IECU MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OT DATA THAT YOU OBTAIN THOUGH THE USE OF MOBILE WALLET.

You will Indemnify, defend, and hold IECU harmless (and our employees, directors, agents, affiliates, and representatives) from and against any and all claims, costs, losses, or damages (including reasonable attorney fees) arising out of any claim, action, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in the Terms, including violation of our policies; (b) your wrongful or improper use of the Mobile Wallet Service, including willful misconduct or fraud; (c) your violation of any third-party right, including without limitation any right of privacy, publicity rights, or intellectual property rights; or (d) your violation of any law rule, or regulation of the United States or any other country.  IECU reserves the right to refuse any transaction for any reason permitted by law.

Third Party Agreements:  The Terms only address the terms and conditions that apply to your use of your IECU Card(s).  The Platform Provider, your wireless carrier, and other third-party websites or services integrated in the Mobile Wallet Service have their own Third-Party Agreements, and you are subject to those Third-Party Agreements when you give them your personal information, use their services, or visit the respective sites.  IECU is not responsible for the security, accuracy, legality, appropriateness, or any other aspect of the content or function of the Platform Provider’s or any third-party’s products or services. 

Merchant Relationship and Disclaimers:  Merchants may present to you certain discounts, rebates or other benefits within the Mobile Wallet Service.  Such offers are subject to certain terms and conditions and may change at any time without notice to you.  We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such offers.  Subject to applicable las and the IECU Agreements, all matters, including delivery of good and services, return, and warranties, are solely between you and the applicable merchants.  You acknowledge that we do not endorse or warrant the merchants that are accessible through the Mobile Wallet or the offers that they provide. 

Miscellaneous:  IECU’s failure to enforce and provision of these Terms or any additional terms shall not be deemed a waiver of such provisions nor of its right to enforce such provision.  If any part of the Terms is found void and unenforceable, it will not affect the validity of the balance of the Terms which shall remain valid and enforceable.  To remove your IECU Card(s) from Mobile Wallet, follow the instructions from the Platform Provider.

Contacting IECU Regarding Mobile Wallet Service:

Illinois Educators Credit Union

3101 Montvale Drive

Springfield, IL 62704

217-528-2642

800-697-7728

Visit www.iecumember.org to obtain a copy of the Mobile Wallet Service Terms and Conditions

By electronically accepting this agreement, I acknowledge that I have read, understand and agree to the IECU Mobile Wallet Service Terms and Conditions contained herein.