Definitions. The following terms and definitions apply when used in this Agreement.
"Account" or "Accounts" means one or more savings, checking, money market, certificate of deposit (CD), health savings account or loan account that you have with us for commercial or personal use, as applicable.
"Bill Payment" or "Payment" means the remittance of funds, initiated through the Online Banking Service, from an Account to a Payee.
"Bill Payment Service" means the Bill Payment Services offered by Credit Union through our Bill Payment Services provider.
"Business Day(s)" means Monday through Friday, excluding holidays.
"Business Online Banking Service" means the service(s) described in this Agreement and designated as such for business members.
"Electronic" means electrical, digital, magnetic, wireless, optical or electromagnetic technology, or any other technology that entails similar capabilities.
"Funds Transfer" or "Transfer" means a transfer of funds, initiated through the Online Banking Service, from one eligible account to another.
"Membership Agreement" means the Member/Savings Services Disclosures and Agreements for personal accounts and the Business Membership and Account Agreement for commercial accounts.
"Online Banking Service" or "Online Services" means the service(s) described in this Agreement.
"Password" means personal identification number, personal security code, or passcode, whether one or more than one, that you chose or was assigned to you by the Credit Union that allows you to access Credit Union services.
"Payee" means any person or entity to which you direct a Payment through Online Banking Service.
"Payment Account" is the checking account from which bill payments will be debited, whether one, or more than one.
"PC" means personal computer (including any personal data assistant or other wireless access device) that meets the requirements for use of Online Banking Services.
"Service" means the service(s) described in this Agreement.
"Separate Service Agreements" are additional agreements relating to the use of certain optional features contained within the Online Banking Service. These agreements, which you must accept in order to use the respective optional feature include, but are not limited to Online Bill Pay Terms and Conditions, A2A External Accounts Agreement, and Online Statements Agreement.
"Transfer Day" means Monday through Friday, until 4:00 p.m., Eastern Time (Standard or Daylight). Holidays are not included.
Other definitions may be set forth elsewhere in this Agreement.
- Ownership of Website.
The content, information and offers on our website and mobile application are copyrighted by us and the unauthorized use, reproduction, linking or distribution of any portions is strictly prohibited.
- Geographic Restrictions.
The Services described in this Agreement and any application for credit, deposit services, and other services available at our website are solely offered to residents of the United States of America. Members may not be able to access these Services outside the United States of America.
- Contact Information.
In case of questions about your electronic transactions contact Delta Community Member Care by phone at (404) 715-4725 or (800) 544-3328 or by mail at Delta Community Credit Union, P.O. Box 20541, Atlanta, GA 30320-2451. You can also contact us via Secure Email from within Online Banking.
Member hereby represents and warrants that he/she/it has full right, authority and power to execute, deliver and perform this Agreement and, if Member is an entity or organization rather than a natural person, that the execution, delivery and performance of this Agreement has been duly authorized by all necessary company actions, including appropriate company resolutions.
- Membership Agreement.
Member acknowledges and agrees that Member's Account maintained with the Credit Union is an integral part of the Services offered by the Credit Union and that all transactions and Services initiated or processed pursuant to this Agreement are subject to the terms and conditions of the rules, regulations and agreement ("Membership Agreement") governing Accounts in effect from time to time between Member and the Credit Union. The Membership Agreement is expressly incorporated herein by reference. The terms and conditions of this Agreement shall control over any inconsistent terms and conditions of the Membership Agreement. Member acknowledges that it has signed and executed all agreements, resolutions, signature cards and forms governing Member's demand deposit account required by the Credit Union. If Member has not signed the foregoing forms required by the Credit Union, by signing this Agreement, Member acknowledges that it has read the contents of and agrees to be bound by the terms of those forms, agreements and documents, and adopts and ratifies, as an authorized signatory(s), the signature(s) of any person(s) who has signed a signature card or any check on Member's account. Member also agrees to establish all Accounts that must be opened in conjunction with the Service provided by the Credit Union.
- Effective Dates.
The effective date of this Agreement shall be the date upon which the Agreement is executed by Member and accepted by the Credit Union.
- Internet Disclaimer.
For any Service(s) described in the Agreement utilizing the Internet, the Credit Union does not and cannot control the flow of data to or from the Credit Union's network and other portions of the Internet. Such flow depends in large part on the performance of Internet services provided or controlled by third parties. Actions or inactions of such third parties can impair or disrupt Member's connections to the Internet (or portions thereof). The Credit Union cannot guarantee that such events will not occur. Accordingly, the Credit Union disclaims any and all liability resulting from or related to such events and in no event shall the Credit Union be liable for any damages (whether in contract or in tort) that are attributable to the public Internet infrastructure, Member's ability to connect to the Internet, or the Credit Union's ability to connect to the Internet on Member's behalf.
- Financial Information.
The Credit Union may from time to time request information from Member in order to evaluate a continuation of the Service(s) to be provided by the Credit Union hereunder and/or adjustment of any limits set by this Agreement or otherwise set by the Credit Union. Member agrees to provide the requested financial information immediately upon request by the Credit Union, in the form required by the Credit Union. If Member refuses to provide the requested financial information, or if Credit Union concludes in its sole discretion that the credit risk of Member is unacceptable, the Credit Union may terminate the Service according to the provisions hereof. Member authorizes the Credit Union to investigate or reinvestigate at any time any information provided by Member in connection with this Agreement or any Services and to request reports from credit bureaus and reporting agencies for such purpose.
Member shall deliver or transmit all data or information to Credit Union by the deadline(s) specified in this Agreement and Credit Union shall have no obligation to process data or perform the Service if the data is not received by the Credit Union by the specified deadline.
- Member's Duty to Inspect.
Member shall inspect all reports, journals, and other material evidencing the output of the Services performed by the Credit Union. Member must report all errors to the Credit Union for Services performed and indicated in the reports, journals and other material evidencing the output of the Services or otherwise reported to Member daily by the close of business on the banking day following the day on which the Services are rendered. Member must report all other errors within a reasonable time not to exceed thirty (30) days from the date that the error is made. Failure of Member to promptly report errors within such specified time shall preclude Member from asserting against the Credit Union any claims arising from the error or any loss caused by the error.
- Payment for Services.
Member agrees to pay Credit Union the fees established by Credit Union for rendering the Services under the terms of this Agreement and the Membership Agreement. The fees are listed in our account disclosures, as amended from time to time, which you acknowledge receipt of and which are incorporated herein by reference and made a part of this Agreement. Member hereby authorizes the Credit Union, at the Credit Union's option, to charge Member's Account(s) maintained with the Credit Union for such fees. In addition to the Service fees, Member agrees to pay for all taxes, tariffs and assessments levied or imposed by any government agency in connection with the Service, this Agreement, and/or the software or equipment made available to Member. Member is also responsible for the costs of any communication lines and any data processing charges payable to third parties.
- Limitation of Liability.
To the fullest extent allowed by law, except for unauthorized transactions covered by Sections V, VI, and VII above, Member agrees:
- That the Credit Union shall not be responsible or liable to Member or to any other party for consequential indirect, special exemplary, punitive or incidental damages arising out of the use by Member of any service even if Member, the Credit Union or the Credit Union's service provider have been specifically advised of the possibility of such damages.
- To the fullest extent allowed by law, the Credit Union's liability to Member under this Agreement shall be limited to correcting errors resulting from the Credit Union's failure to exercise ordinary care or to act in good faith.
- Member acknowledges and agrees that Member's use of the Services shall be at Member's sole risk and that the Services are provided by the Credit Union on an as is basis.
- Except as expressly set forth in this Agreement, the Credit Union makes no, and hereby disclaims any and all, representations or warranties, expressed or implied, in law or in fact, whatsoever to Member or to any other person as to the Services or any aspect thereof, including (without limitation) any warranty of merchantability, fitness for a particular purpose, quality, accuracy, or suitability. Member agrees that no oral or written advice or representation obtained from any Credit Union employee or representative shall create a warranty or representation for purposes of this Agreement or any Services to be performed pursuant hereto.
- The Credit Union makes no representation or warranty, either express or implied, to Member as to any PC, Hardware, software, or equipment used in connection with the Services (including, without limitation, Member's PC systems or related equipment and Hardware, Member's software, or Member's Internet service provider or its equipment), or as to the suitability or compatibility of the Credit Union's software, Internet delivered service, equipment or communication interfaces with those that Member uses, or as to whether any software or internet delivered service will perform in an uninterrupted manner, including (but not limited to) any warranty of merchantability or fitness for a particular purpose.
- The Credit Union shall not be responsible or liable for any errors or failures resulting from defects in or malfunctions of Member's PC, Hardware or software, for the quality of performance of lack of performance of any PC software or hardware or internet delivered services supplied by the Credit Union to Member in connection with this Agreement, or for the transmission or failure of transmission of any information from Member to the Credit Union or from the Credit Union to Member. The Credit Union shall not be responsible for notifying Member of any upgrades or enhancements to any of Member's PC, Hardware or software.
- Compliance With Laws, Rules and Regulations.
Member agrees to comply with all existing and future operating procedures used by the Credit Union for processing of transactions. Member further agrees to comply with and be bound by all applicable state or federal laws, rules and regulations affecting the use of checks, drafts, fund transfers, and ACH transactions, including but not limited to, rules and procedural guidelines established by the Federal Trade Commission (FTC), the Board of Governors of the Federal Reserve, the National Automated Clearing House Association (NACHA) and any other clearinghouse or other organization in which the Credit Union is a member or to which rules the Credit Union has agreed to be bound. These laws, procedures, rules, regulations, and definitions shall be incorporated herein by reference.
- Relationship of Parties.
Member and the Credit Union acknowledge and agree that the relationship of the Credit Union and Member is that of an independent contractor and that this Agreement does not establish or create a general agency, joint venture, partnership, or employment relationship between them.
- Force Majeure.
The Credit Union shall not be responsible for any liability, loss, or damage resulting from the Credit Union's failure to perform any Service or to perform any other obligations under this Agreement which is caused by an act of God, fire, floods, adverse weather or atmospheric conditions or other catastrophes; war, sabotage, riots, acts of public enemy, or acts of governmental authority or the Board of Governors of the Federal Reserve; labor difficulties; equipment or computer failure or destruction or the unavailability, interruption, or malfunction of communications facilities or utilities; delays or failure to act by Member or third parties and their personnel; criminal acts; or generally any cause reasonably beyond the Credit Union's control.
Any reimbursement by the Credit Union for any liability hereunder may be made either directly to Member or by adjustment of the aggregate ledger and collected balances of Member's Accounts.
In addition to other indemnification and liability provisions elsewhere in this Agreement, to the fullest extent allowed by law, except for unauthorized transactions covered by Sections V, VI and VII above, Member will be liable for, hold harmless, and will indemnify the Credit Union, and their employees and agents from and against all claims of any sort by third parties or others arising out of this Agreement, including all losses and expenses incurred by the Credit Union arising out of Member's failure to report required changes, transmission of incorrect data to the Credit Union, or failure to maintain compliance with all laws, regulations and rules. Except for those losses caused directly by the Credit Union's failure to exercise ordinary care or to act in good faith, Member agrees to indemnify and hold the Credit Union, its officers, directors, shareholders, agents, employees and affiliates, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys' fees) arising from or related in any way to (i) any Services performed in connection with this Agreement, (ii) the Credit Union's action or inaction in accordance with or reliance upon any instructions or information received from any person reasonably believed by the Credit Union to be an authorized representative of Member or Authorized User, (iii) Member's breach of any of Member's covenants, agreements, responsibilities, representations or warranties under this Agreement, and/or (iv) Member's breach of applicable laws, rules or regulations.
- Miscellaneous Provisions.
- Headings. The headings and captions contained in this Agreement are included only for convenience of reference and do not define, limit, explain or modify this Agreement or its interpretation, construction, or meaning.
- Severability. The holding of any provision of this Agreement as invalid, illegal, or unenforceable, in whole or in part, shall not affect the other provisions of this Agreement, which shall remain in full force and effect.
- Waiver. No waiver by the Credit Union (whether or not in writing) of any term, condition or obligation of Member shall bind the Credit Union to waive the same term, condition or obligation again, nor shall any other provision, condition, term or obligation hereof be affected by such a waiver.
- Binding Effect. This Agreement shall inure to the benefit of and be binding upon the successors, heirs, trustees and permitted assigns of the parties hereto.
- Entire Agreement. This Agreement constitutes the entire agreement between the parties hereto concerning the subject matter hereof. All contemporaneous agreements or understandings concerning the subject matter hereof, whether oral or written, are merged into this Agreement.
- Transfers and Assignments. Member cannot transfer or assign any rights or obligations under this Agreement without Credit Union's written consent.
FinanceWorks & Purchase Rewards Offers -- End User License Agreement
In addition to the above content, if you decide to use either FinanceWorks or the Purchase Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.
LICENSE GRANT AND RESTRICTIONS. You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the FinanceWorks Service (the "FinanceWorks Service") solely to manage your financial data, and the Purchase Rewards application ("Purchase Rewards Offers") to benefit from your debit card purchases.
In addition to the FinanceWorks Service and the Purchase Rewards Offers, the terms FinanceWorks Service and Purchase Rewards Offers also include any other programs, tools, Internet-based services, components and any "updates" (for example, FinanceWorks Service maintenance, Purchase Rewards information, help content, bug fixes, or maintenance releases, etc.) of the FinanceWorks Service or Purchase Rewards Offers if and when they are made available to you by us or by our third-party vendors. Certain FinanceWorks Service and Purchase Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions.
You are not licensed or permitted to do any of the following, and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the FinanceWorks site or from the Purchase Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of the FinanceWorks Service or Purchase Rewards Offers, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in the FinanceWorks Service, use any tool to enable features or functionalities that are otherwise disabled in the FinanceWorks Service, or decompile, disassemble, or otherwise reverse engineer the FinanceWorks Service except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the FinanceWorks Service or Purchase Rewards Offers or any services provided in connection with them, prevent access to or the use of the FinanceWorks Service, Purchase Rewards Offers or any or services provided in connection with them by other licensees or Members, or impose an unreasonable or disproportionately large load on the infrastructure while using the FinanceWorks Service; or (vii) otherwise use the FinanceWorks Service, Purchase Rewards Offers or any services provided in connection with them except as expressly allowed under this Agreement.
OWNERSHIP. The FinanceWorks Service and Purchase Rewards Offers are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks.
YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the FinanceWorks Service, Purchase Rewards Offers or any services provided in connection with them, and your Accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the FinanceWorks Service, Purchase Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your Account for the FinanceWorks Service, Purchase Rewards Offers or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including Account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the FinanceWorks Service, Purchase Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the FinanceWorks Service, Purchase Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.
We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our Members. As we make additional offerings and Online Banking services available to you, some of which may rely on banking information maintained in your Account(s), you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.
YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called aggregation). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the FinanceWorks Services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; and (vi) to assist us in performing our obligations to you in providing the services you have selected.
If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.
If you select services that are offered by third parties or merchants through such offers or on our behalf, you will be agreeing that we have your consent to give such third parties or merchants your geographic location, and other data, collected and stored in aggregate, as necessary for such third parties or merchants to make their offerings and services available to you and to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you. Except as specified here, we, and the third parties or merchants acting on our behalf, shall not use or keep any of your personally identifiable information.
USE, STORAGE AND ACCESS. We shall have the right, in our sole discretion and with reasonable notice posted on the FinanceWorks site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the FinanceWorks Service and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the FinanceWorks Service at any time, and (ii) the number of times (and the maximum duration for which) you may access the FinanceWorks Service in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the FinanceWorks Service and any related services to which such changes relate. Your continued use of the FinanceWorks Service or any related services will constitute your acceptance of and agreement to such changes. Maintenance of the FinanceWorks Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such FinanceWorks Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided. We are not responsible for scripting errors because of changes to websites of outside financial institutions.
THIRD-PARTY SERVICES. In connection with your use of the FinanceWorks Service, Purchase Rewards Offers, or any other services provided in connection with them, you may be made aware of services, products, offers and promotions provided by third parties ("Third Party Services"). If you decide to use Third Party Services, you are responsible for reviewing and understanding the terms and conditions governing any Third Party Services. You agree that the third party is responsible for the performance of the Third Party Services.
THIRD-PARTY WEBSITES. The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the FinanceWorks Service, Purchase Rewards Offers or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.
EXPORT RESTRICTIONS. You acknowledge that the FinanceWorks Service may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the FinanceWorks Service, directly or indirectly, to: (i) any countries that are subject to US export restrictions; (ii) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (iii) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.
PURCHASE REWARDS OFFERS. If you decide you wish to participate in the Purchase Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.
Purchase Rewards. You will earn rewards for your participation in the Purchase Rewards Offers program based on total purchases. If you participate in the Purchase Rewards Offers, we will credit all cash or point rewards earned to your rewards balance and send you a lump sum of all rewards due to you. For any qualifying purchases during the current month, we will distribute the lump sum amount to you during the following calendar month. For example, if the payment date of all rewards end user disbursements is August 30, the applicable Measurement Period would be the calendar month ended July 31. Cash rewards will be deposited in the Purchase Rewards Offers deposit account which is associated with the Purchase Rewards Offers program.
Purchase Rewards Offers Account. You must use the debit card associated with the Purchase Rewards Offers account in order to receive the offers which qualify for the rewards. Rewards will not be earned for any portion of your purchase that you pay for with store credit, gift certificates, other cards or other payment types.
Purchases must be made as indicated in the offers made available under the Purchase Rewards Offers program. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits, etc. You must also pay using the debit card associated with the Account that received the Purchase Rewards Offer in order for the purchase to qualify.
While we and the merchants work hard to properly track and credit all eligible purchases, there may be times that we are unable to do so because of problems with your Internet browser, the merchant's website or our system. Please contact our support team if you believe you have made a qualifying purchase for which you did not receive rewards.
Please note that you will not earn rewards as part of this program if you use a debit card not issued by us or do not have the designated deposit account opened with us at the time of disbursement.
You understand and agree that we make no warranties and have no liability as to:
- Any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the Purchase Rewards Offers program.
- The rewards information that we provide to you, which is provided as is and as available.
- (i) your inability to comply with offer guidelines, (ii) the accuracy, timeliness, loss or corruption, or mis-delivery, of any qualifying purchase information or any other information, (iii) unauthorized access to your Account(s) or to your account information and any misappropriation, or alteration, of your account information or data, to the extent that the unauthorized access results from your acts or omissions, or (iv) your inability to access your Account(s) including, but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or internet service providers, acts of God, strikes, or other labor problems.
- Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.