These terms and conditions are designed to provide you with information on the services we provide and outline important conditions which apply to the use of this service. This service is provided by SaVit Collection Agency and various third-party vendors. It is subject to the consumer banking regulatory protections described in the Electronic Fund Transfers Act Regulation E. When you initiate an online payment with SaVit you and any person you authorize to perform functions on your account agree to these Terms and Conditions. 1.Erroneous Instructions. If we receive payment instruction authorized by you and the instruction is erroneous in any way, we shall have no obligation or liability for the error. 2.Transaction Limitations. Please be aware that certain types of bank accounts have limits on the number of transactions or withdrawals that may be made per month. Your bank may refuse transfers which would exceed such limits, so we recommend you check with your bank to determine what limitations are imposed on withdrawals from any account. If we are not able to debit the amount required to cover an authorized payment from your account, we will not be able to make the payment you have authorized and will not be held liable for any costs, damages, etc., caused by the failure to make the payment. We have no obligation to try to debit and account for a specific payment more than once. 3.Cutoff Hours. If we receive payment authorization from you on or before 4.00pm Eastern Standard Time on a business day, we will attempt to debit the funds from your account within 24 hours, or one (1) business day. 4. Electronic Disclosures. We are required to provide you with certain disclosures and notices which are mandated by various laws and rules. You agree to receive all such disclosures electronically, which in most cases will be done at our web site or the web sites of our vendors. 5. Privacy Policy. We will never sell any personally identifiable information to a third party for marketing purposes. Your information is for internal use only. Information collected through this site is only for purposes directly associated with the resolution of your account. This information may include- name, address, phone number and email address. We will only disclose information to the original account holder about your account or the transfers or payments you make: (a) when is it necessary for completing transfers or payments, (b) if lawfully required or (c) if you request or authorize it. 6. Your Liability. You agree to promptly review and verify all transactions either through our services or through the monthly statements you receive from your bank holding account(s) from which you are paying. If your bank statement reflects transactions that you did not authorize, contact your bank. In addition, contact SaVit by telephone (732) 257-5757 at once. 7. Our Liability. If we do not complete the payment which you have authorized in a timely manner, in accordance with the terms and conditions herein, we will be liable for your losses and damages. However, there are some exceptions. We will NOT be liable, for example, when: (a)Through no fault of ours, your account does not contain sufficient available funds for us to debit the account in the amount of the payment due. (b) The service or other systems are not working properly. (c) Circumstances beyond our control (such as fire, flood, computer breakdown or problems with a telephone line) prevent or impede the transaction, despite reasonable precautions we have taken. (d) The funds paid toward your account are subject to an uncollected funds hold, legal process or any other encumbrance or claim, restricting transfers at the time we attempt to debit your account for an authorized payment(s). (e) The information you have supplied to us is incorrect, incomplete or not timely. 8. In Case of Errors or Questions about Transfers from your Payment Account(s), please call our office at (732) 257-5757. 9. Change in Terms. It is possible that our terms and conditions may change over time. We will post any changes on our web site and will send you any legally required notice. Prior notice may not be given, However, where an immediate change is necessary for security purposes. 10. Limitations. You agree that neither we nor any party involved in creating or delivering this web site is liable for any direct, indirect, incidental, consequential or punitive damages arising out of your access to, or use of this web site. We assume no responsibility for and will not be liable for any damages to or any viruses which may affect your computer equipment or other property on account of your access to, use of or downloading from our web site or use of our web site or use of our service. If we fail to enforce any of our rights under these terms and conditions or applicable laws, it shall not be deemed to constitute a waiver of such rights. If any provisions of these documents found by a court to be invalid, then the remaining terms and conditions shall remain in full force and effect. By accessing and using this service, you agree to the Terms and Conditions without limitation or qualification. Language Access Services: Notice for NYC Residents: SaVit conducts its business in English. SaVit does not offer any language access services for consumers other than some representatives who may be able to speak with you in Spanish. SaVit cannot guarantee that a Spanish-speaking representative will be available to always speak with you at all times. The New York City Department of Consumer and Worker Protection provides a translation and description of commonly used debt collection terms in multiple languages on the website, www.nyc.gov/dca.
