User Agreement

This User Agreement (“Agreement”) governs your use of Stonegate Card Services (Website). This Website may be used by the primary and/or any joint account holder ("you") to access certain credit card account information, obtain electronic monthly account statements, make payments, and monitor transactions (“Services”). By accessing this Website and any pages thereof using the Services, you agree to be bound by the terms and conditions below. You agree that you are:

Solely responsible for acquiring and maintaining a computer or any other electronic device and equipment that can handle and access the Services; and
Responsible for all costs associated with accessing the Services and your credit card account.

Access to the Service

You may use the Website to access your credit card account and perform authorized transactions seven days a week, 24 hours a day. However, at certain times, some or all of the Services may not be available due to system maintenance or failure. Account balance and activity information are generally updated daily. However, daily updates may not occur due to system maintenance or failure or other circumstances beyond our control.

To access your Eligible Accounts and Online Financial Services through our Website, you must have a username, a password and the required hardware and software as described on the Website. You must also comply with any other security procedures and policies we may establish from time to time. You must provide all telephone and other equipment, software (other than any software provided by us) and services you need to access the Services. Specific requirements are outlined in the Security and Privacy tab.

Account Information

The account information available through the Website is not intended to replace the regular statement you receive by mail or other means. You must refer to your full credit card statement for complete account information, including important information about your rights and obligations. In some instances, balances and transaction history may only reflect activity conducted through the close of the previous business day. We may occasionally introduce new features to the Website or eliminate features from the Services. When this happens, we will update our Website accordingly.

Fees

There is no charge for accessing your account information through the Website. However, you may incur telephone or other online service provider charges by accessing your account. We are not responsible for any such fees. Please consult your Card Agreement for other fees applicable to your credit card account.

Termination

Your enrollment in, access to, or use of the Services and/or Website 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 include, without limitation:

Your credit card account is closed
Your credit card account is lost or stolen
Fraudulent activity on your credit card account
Any attempt to misuse the Service
Whole or partial, permanent or temporary, termination of the Services
Violation of this Agreement

If you wish to cancel your access to the Website or any of the Services at any time, please contact our Credit Card Service Center at 1-866-553-3482.

Electronic Communications

You may not send e-mail messages through the Website. In order to facilitate customer feedback or inquiries, an online service inquiry feature with message capabilities is provided. Alternatively, you may email our Credit Card Service Center at info@cardsvcs.com.

To the extent necessary to carry out your instructions with respect to your use of the Services and/or Website, you may authorize us to send emails to you to any email address you have provided to us. You should print a paper copy of any item delivered electronically to you and retain it for your records.

Third Party Providers

We may use nonaffiliated third parties acting on our behalf to process payments. Such third-party processors are required to adhere to strict standards of security and privacy protection.

Change in terms

This Agreement may change at any time with or without prior notice. You agree to review these terms and conditions periodically.

Ownership

Any trademarks, logos, service marks and other similar items (the "Mark" or “Marks”) are the property of respective owners, which may be us and/or third party affiliates and others. Nothing contained on this Website should be construed as granting you any license or right to use in any way any Mark without our written permission or that of the third party that owns the Mark.

LIMITATION OF WARRANTIES
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING, WITHOUT LIMITATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS, ARE PROVIDED “AS IS”, AND “AS AVAILABLE”. WE DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. 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.

LIMITATION OF LIABILITY
In no event will we be liable for any damages, including, without limitation, direct or indirect, special, incidental, consequential or punitive damages, losses or expenses arising out of your use of or inability to use this Services or Website, in conjunction with any failure of performance, error, omission, interruption, defect, any delay in operation or transmission, computer virus, or line or system failure of the Services or Website, any unauthorized interception or use of data, any actions or transactions by any person or entity that uses your User ID and Password, or any cause over which we do not have direct control, including problems attributable to computer hardware, software or networks (including computer viruses), telephone or other communications, or Internet service providers (even if we, or our representatives thereof, are advised of the possibility of such damages, losses or expenses.)