These Terms are entered into as of the date you first access or use the MyCardInfo (the “Effective Date”) and will continue until terminated as set forth herein.
Your enrollment in, access to, use of MyCardInfo, or MyCardInfo itself may be terminated or suspended, in whole or in part, at any time for any reason with or without prior notice. Examples of reasons for such termination include, without limitation:
- You have reported your card as lost or stolen;
- Your account has been closed with a zero balance;
- Fraudulent activity has or may have occurred on your credit card account;
- Your account has been reported with a bankruptcy status;
- Any attempt to misuse MyCardInfo; or
- Whole or partial, permanent or temporary, termination of MyCardInfo.
If you wish to cancel your access to MyCardInfo, please contact your FI.
MyCardInfo is intended for use by Users of 18 years of age or older. Do not use MyCardInfo if you are under the age of 18, unless your parent or legal guardian has consented to your use of MyCardInfo through your FI.
As part of your enrollment for MyCardInfo, you shall receive access to your account with your FI through MyCardInfo, such as through a username, password, and/or personal security code. For your protection, you shall not disclose or transfer any information that provides you with access to your account to anyone, or provide a third party with the right to access log-in credentials. Your FI is authorized to act on instructions received under your account without further verification.
For security purposes, you should memorize and not write down your log-in credentials. You are responsible for keeping your log-in credentials, other identifying information, account numbers and other account data confidential. You are solely responsible for all use of MyCardInfo through your account. Any activities completed through your account will be deemed to have been performed by you. You may not: (1) select or use an account username of another individual with the intent to impersonate that individual; or (2) use an account username that we, in our sole discretion, deem offensive. If you believe that your online username or password may have been lost or stolen, or that someone has transferred or may request a transfer to or from your account or may request a change in your information without your permission, notify your FI immediately.
Use of Information and Materials
We recommend that you check with your FI regarding any fees associated with accessing your account information through MyCardInfo. Any fees applicable in connection with your account, including any associated with accessing your MyCardInfo account, continue to apply, as described under the terms of your Cardholder Agreement or in connection with any specific offer for specific products or services through your FI. You agree that your FI is not responsible for any telephone or other online service provider charges incurred by accessing your account at your FI through MyCardInfo. Note, however, that fees may be assessed by your online service provider. Co-op is not responsible for any such fees assessed by your online service provider.
Your monthly statement from your FI represents your FI’s disclosure to you of applicable account information. Please refer to your statement for important information.
Technology and Marks
We use reasonable means to protect the security of MyCardInfo, but you acknowledge that perfect security on the internet is impossible and that, as a result, your content may be exposed in the event of a breach.
The information and materials contained in this site, including, without limitation, text, graphics, links or other items - are provided “as is,” “as available”. NEITHER YOUR FI NOR Co-op warrantS the operation of the materials, or the accuracy, adequacy or completeness of this information and materials, or that COMMUNICATIONS sent from us are free of malware or other harmful components, and expressly disclaims liability for errors or omissions in this information and materials. Co-op cannot and does not represent or warrant that MyCardInfo will operate error-free, uninterrupted, free from unauthorized access, that MyCardInfo and its server are free of computer viruses or other harmful mechanisms, or otherwise meet your REQUIREMENTS. If your use OF MyCardInfo or RELATED material results in the need for servicing or replacing equipment or data, Co-op is not responsible for those costs. You expressly agree that your use of MYCARDINFO is at your sole risk. No warranty of any kind, implied, express or statutory, including but not limited to the warranties on non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.
IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE ANY RIGHTS YOU MAY HAVE UNDER CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR OR RELEASING PARTY.” YOU AGREE TO RELEASE UNKNOWN CLAIMS AND WAIVE ALL AVAILABLE RIGHTS UNDER CALIFORNIA CIVIL CODE SECTION 1542 OR UNDER ANY OTHER STATUTE OR COMMON LAW PRINCIPLE OF SIMILAR EFFECT. TO THE EXTENT PERMITTED BY LAW, THIS RELEASE COVERS ALL SUCH CLAIMS REGARDLESS OF THE NEGLIGENCE OF CO-OP.
LIMITATION OF LIABILITY
In no event shall Co-op or your FI be liable for any damages whatsoever, including, without limitation, direct or indirect, special, exemplary, punitive, reliance, incidental, or consequential damages, losses or expenses arising in conjunction with your use of MyCardInfo or use thereof or inability to use by any party, or in conjunction with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or system failure resulting from the use or inability to use MyCardInfo under any theory of liability, whether based on warranty, contract, tort, or any other legal theory, even if your FI, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Links to Third Party Sites
MyCardInfo may contain links and interactive functionality interacting with the websites of third parties. Co-op is not responsible for, and has no liability for, the functionality, actions, inactions, settings, privacy policies, terms, or content of any such third-party website. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by your FI or Co-op. The links and interactive functionality for third-party websites through MyCardInfo do not constitute an endorsement of such third-party websites. Other websites may link to MyCardInfo with or without our authorization, and we may block any links to or from MyCardInfo in our sole discretion. YOUR USE OF THIRD-PARTY WEBSITES IS AT YOUR OWN RISK.
All information submitted to your FI via this site shall be deemed and remain the property of your FI and your FI shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to your FI through this site. Your FI shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by your FI entity having the direct cardholder relationship or as otherwise specifically agreed or required by law.
I. Electronic messages - As part of MyCardInfo, your FI does not accept e-mail messages from cardholders. In order to facilitate cardholder feedback or inquiries, please contact your FI by using the Contact Us page within the Help & Info menu.
II. Access - You may access your FI account through MyCardInfo seven days a week, 24 hours a day. However, at certain times, some or all of MyCardInfo may not be available due to system maintenance or failure. Your FI is not responsible for your inability to access MyCardInfo, for whatever reason. Account balance and activity information are generally updated daily. However, daily updates may not occur due to system maintenance or failure. Your FI is not responsible for any failure to update information, for whatever reason.
Last Updated: December 22, 2022