U.MOB Terms and Conditions
TERMS AND CONDITIONS OF THE U.MOB eWALLET
The following link provides terms and conditions related to the Payment services (the “Service”) offered by Universal Mobile Payment, Ltd. and any of its subsidiaries , portions of which are provided through third party providers.
DEFINITIONS
« Agreement » means these Terms and Conditions of the Service.
« Authorized User » is you as the subscriber (“Subscriber”) to the U.MOB eWallet or any individual who you allow to use the Service or your password or other means to access your U.MOB eWallet.
« Billing Account » means the account you have directly with U.MOB related to the mobile phone and related products and services provided to you by U.MOB.
“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 U.MOB eWallet.
“Payment” is a payment transaction initiated by an Authorized User through the Service to U.MOB.
« 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 U.MOB (such as, but not limited to, Billing Account number, your mobile number, Payment Date).
“Personal Information” refers to information used to uniquely identify a single person.
“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.
ELIGIBILITY
To be eligible for the Service, you must be at least 18 years old.
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 U.MOB Terms and Conditions of Service.
LIMITS
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
REMITTANCE
You authorize the Service to add Funding Accounts to your U.MOB eWallet when received from you through U.MOB. You also authorize the Service to follow the Payment Instructions that it receives from you through U.MOB and/or U.MOB’s agents. When the Service receives a Payment Instruction, you authorize the Service to debit or charge your Funding Account and remit funds to U.MOB on your behalf. You certify that any Funding Account you add to your profile is an account held by you and from which you are legally authorized to debit or charge Payments, and any Payment you make using the Service will debit or charge a Funding Account that you are legally authorized to use.
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 U.MOB nor the Service shall incur any liability if the Service is unable to complete any Payments initiated by you for any reason beyond the Service’s control, including because of the existence of any one or more of the following circumstances:
- 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; 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 U.MOB any previously misdirected Payments.
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 U.MOB eWallet to make your Payment to U.MOB. If we cannot process your Payment, you are still responsible to make it, and you are responsible for ensuring timely payment of all of your U.MOB bills.
BILLING ACCOUNT INFORMATION
Authorization to obtain Billing Account Information – Your activation of the U.MOB eWallet shall be deemed to be your acceptance of these Terms and Conditions, the U.MOB Terms and Conditions of Service located at www.universalmobilepayment.com, and your authorization for the Service to obtain account information necessary to perform the Service from U.MOB on your behalf.
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 MetroPCS’s billing department.
PASSWORD AND SECURITY
U.MOB controls your enrollment in the Service, the issuance of your password, and your authentication when you enroll and each time you access the Service. You agree not to give or make available your password or other means to access the Service to any unauthorized individuals. You are responsible for all Payments you authorize using the Service. If you permit Authorized Users or other persons to use the Service or your password or other means to access the Service, you are responsible for any Payments they authorize. You will be responsible for any Payments that a person to whom you provided your password or other means to access the Service authorizes, even if that person disregards instructions or limits you communicated to that person about Payments they could authorize.
INFORMATION AUTHORIZATION
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 mobile operator 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, U.MOB will add any applicable fees and/or charges for the Service to your Billing Account and you are responsible for payment of such fees and charges for your use of the Service. There is no fee for enrollment into the U.MOB eWallet. However, there may be fees imposed by U.MOB associated with your use of the various payment channels provided by U.MOB for execution of your Payments.
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 CHANGES
It is your sole responsibility to ensure that the contact information in your user profile that you establish with U.MOB is current and accurate. This includes, but is not limited to; name, address, phone number(s) and e‐mail address(es). The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Funding Account or contact information, or if your Funding Account or contact information changes and you do not notify us promptly of the change.
NOTIFICATIONS
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 U.MOB’ customer care. Any Payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments will not be processed once the Service is canceled. The Service may terminate or suspend availability of the Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.
ENTIRE AGREEMENT
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.
ASSIGNMENT
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.
NO WAIVER
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.
CAPTIONS
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.
GOVERNING LAW
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 U.MOB’s FAILURE TO PERFORM HEREUNDER SHALL BE YOUR RIGHT TO HAVE U.MOB RE‐PERFORM SUCH SERVICE.
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 U.MOB. YOU HAVE READ AND UNDERSTAND THE FOREGOING AGREEMENT AND AGREE TO BE BOUND BY ALL OF ITS TERMS.
TRADEMARK INFORMATION
Product names, logos, designs, titles, words or phrases within this publication may be trademarks, service marks, or trade names of Universal Mobile Payment or other entities and may be registered in certain jurisdictions.
B. PRIVACY POLICY
We know privacy is important to you. It is also vital to our business. This Privacy Policy describes the types of « Personal Information » (information that is identifiable to a particular person) collected in connection with the U.MOB eWallet Service, and explains how we safeguard your privacy as a user of the Service.
What Types of Personal Information We Collect
The Personal Information that the Service collects from or about you may include:
- Contact Information such as name, postal addresses, telephone numbers, and e‐mail addresses;
- Billing Account and Subscriber numbers and other information on statements;
- Information about mobile operator, mobile phone number, if you decide to add these Funding Accounts to make Payments to U.MOB;
- Information such as birth date to help verify your identity;
- Your IP address and standard web log information, such as your browser type and the pages you accessed on the Services’ website;
- Information provided to us by identity verification services; and
- Information to help authenticate your access to the Service.
How and from Whom We Collect Your Information
The Service may collect Personal Information about you from your use of the Service, from U.MOB., from you directly through your entry of information for the Service, and from service providers under contract who assist us with identity verification and fraud prevention. Additionally, we may collect information from your financial institutions and credit card companies in the course of executing, researching, and supporting transactions.
How We May Use and Disclose Your Personal Information
The Service treats your Personal Information as confidential. The Service does not sell or rent your Personal Information. The Service does not use or share your Personal Information in a manner that differs from what is described in this Privacy Policy without your prior consent. We may use and disclose your Personal Information for the following purposes, including limited disclosures to our affiliates, to non‐affiliated third party service providers performing services on our behalf, and to certain other nonaffiliated entities as described below:
- To complete transactions and render products and services authorized by you (such as to share the information with U.MOB, to complete a Payment, and to send messages to you related to authorized services)
- To verify your identity and perform fraud screening, to verify the information contained in your eWallet accounts (such as comparing information for accuracy with third parties during the enrollment process or as you add a bank account in the Service), and to perform follow up transactions related to your Payments (e.g., returns and chargebacks);
- To comply with laws and regulations, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend the Service from claims, and to protect the Service’s rights and property, and as permitted by applicable law;
- To complete a change of control transaction in which all or a portion of U.MOB operations and business are purchased or acquired by a third party; and
- As otherwise authorized by you.
How We Use Cookies
When you access the Service, we, or companies we hire, may place small data files called « cookies » on your computer to track how our website is used. We also use cookies to customize the Service, its content and advertising, to measure promotional effectiveness, and to promote trust and integrity.
We send a « session cookie » to your computer when you log in to your account or otherwise use the Service. This type of cookie helps us recognize you if you visit multiple pages on our site during the same session. Once you log out or close your browser, this cookie expires and no longer has any effect. We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.
We may also collect information about your computer or other access device to mitigate risk and for fraud prevention purposes.
You may encounter cookies from third parties when using the Service on websites that we do not control (for example, if you view a web page created by a third party or use an application developed by a third party, there may be a cookie placed by that web page or application.)
How We Keep Your Information Secure
To ensure your Personal Information remains confidential, the Service maintains physical, electronic, and procedural safeguards to help prevent unauthorized access to your Personal Information. We update and test our technology frequently to improve these protections and to ensure the integrity of your Personal Information.
The Service has policies and procedures that limit employee access to your Personal Information to those with a business reason to have such information. We educate our employees about the importance of confidentiality and customer privacy, and we take appropriate disciplinary measures to enforce our privacy practices.
Compliance with Applicable Laws
We comply with applicable laws and regulations pertaining to information about you, including laws pertaining to « nonpublic personal information » and « consumer report information. » We use and disclose those types of information only as permitted by applicable law and this Privacy Policy.
You are responsible for obeying the laws of your country and not make use of U.MOB’s service for any illegal purpose according to the laws of your country.
Contact Us
If you have any questions, comments or concerns about this Policy, please contact us at: contact@umob.mobi