Print this agreement     Close

Last updated 09/22/13


Chase QuickPay Service Agreement and Privacy Notice

We suggest you read this document carefully and print a copy for your reference.


This Chase QuickPay Service Agreement and Privacy Notice (this "Agreement") states the terms and conditions that govern your use of the Chase QuickPay Service (sometimes referred to as Chase QuickPaySM or Chase Person-to-Person QuickPaySM) and J.P. Morgan QuickPaySM (each, the "Chase QuickPay Service"). As used herein, the terms "Bank", "us," "we," or "our" mean JPMorgan Chase Bank, National Association, or any affiliate, agent, independent contractor, designee, or assignee that we may, at our sole discretion, involve in the provision of the Chase QuickPay Service; "you" or "your" means (1) an individual or entity that is the owner of an account or (2) an authorized signer on an account who has authority to view account information and effect transactions on such account.

When you use or access, or permit any other person(s) or entity to use or access the Chase QuickPay Service, you agree to the terms and conditions of this Agreement. We may amend or change this Agreement (including any applicable fees and service charges) from time to time, in our sole discretion, by sending you written notice by electronic mail, postal mail or by posting the updated terms on the sites within the Chase QuickPay Service (the "Site(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue your use of the Chase QuickPay Service. Your use of the Chase QuickPay Service after we have made such changes available will be considered your agreement to the change.

We grant to you, for your personal use or, if you are a business, internal business purposes only, a nonexclusive, limited and revocable right to access and use the Chase QuickPay Service. You agree not to use the Chase QuickPay Service for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Chase QuickPay Service without our prior written consent.

General Terms Applicable to the Chase QuickPay Service

In order to register in the Chase QuickPay Service to send or receive money, you must have one or more eligible accounts to designate a Pay From Account and/or a Pay To Account, as applicable. To use the Chase QuickPay Service to make a transfer between two registered Chase QuickPay accounts, at least one of those accounts must be a Chase Account. You agree that you will not use the Chase QuickPay Service for International ACH Transactions, which are prohibited under this Agreement. You further agree not to use the Chase QuickPay Service to send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders, fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law.

Note: If you use the Chase QuickPay Service to make a transfer from an External Account that is a savings account, it may be a restricted transfer subject to certain limitations. Please refer to the deposit account agreement applicable to your External Account.

Definitions

As used in this Agreement, the following terms have the following meanings:
  • "Business Day" refers to Monday through Friday, excluding federal holidays.
  • "Cancelled" means funds will neither be processed nor sent for any reason.
  • "Card" refers to a credit card.
  • "Chase Account" means a checking or AMA account held by us and registered for the Chase QuickPay Service.
  • "Completed" means funds have been successfully processed and both Pay To and Pay From Accounts have been updated. It does not mean funds have necessarily been received into your Pay To Account.
  • "Current Day" refers to funds from a Chase Account that are scheduled to be sent with a present day Send On date (i.e., the transfer is scheduled to begin processing the same date as the Instructions are entered).
  • "Cutoff Time" means the time by which we must receive Instructions to have them considered entered on that particular Business Day. See the paragraph entitled "Cutoff Times" for additional details.
  • "External Account" means a deposit account held by a financial institution other than us and registered for the Chase QuickPay Service.
  • "Funded" means when an amount to be sent has been withdrawn from (or in the case of a line of credit, charged against) the available balance of the Pay From Account.
  • "Future Dated" means Instructions that are not scheduled to begin processing on the Current Day; only Business Days may be selected for Future Dated transfers.
  • "In Process" means the funds requested for transfer are in transit but have not yet been credited to the Pay To Account.
  • "Instructions" means the information provided by you in order for the funds to be delivered to the Pay To Account.
  • "Pay From Account" means the account from which funds will be sent.
  • "Pay To Account" means, the account to which funds will be transferred.
  • "Pending" means any Instruction that has not been Cancelled before the Cutoff Time on the Send On date and has not been Funded.
  • "Repeating" means automatic recurring payment or transfer to the same Pay To Account, for the same amount which you can authorize for transmission;
  • "Returned" means a request to transfer funds was rejected and not processed by the institution that holds the Pay From or Pay To Account.
  • "Send On date" means the Business Day we will begin the delivery process. NOTE: The Send On date may vary depending on available funds or credit, the Business Day on which it falls, the recipient's acceptance of the transfer, if required, or the recipient's registration status in the Chase QuickPay Service and may be on or after the date entered in the sender's Instructions.
  • "transfer" means any Instruction to move funds electronically from one account to another, or to advance funds from a line of credit to another account via the Chase QuickPay Service and/or Instructions that have been processed through the Chase QuickPay Service, as the context requires.
Statements

All of your transfers made through the Chase QuickPay Service to or from a Chase Account will appear on the Chase statement for such account. You should check the statement from the other financial institution for transfers made to or from an External Account and the applicable credit card statement for transfers made from your credit card account.

Disclosure of Account Information to Third Parties

We may disclose information to third parties about your account or the funds you send or receive:
  1. as necessary to complete transactions;
  2. as necessary in connection with offering the Chase QuickPay Service;
  3. in connection with the investigation of any claim related to your account or the funds you send or receive;
  4. to comply with government agency or court orders;
  5. in accordance with your written permission; and
  6. as otherwise permitted by the terms of our privacy notice.
Our Chase privacy notice, which includes details about our information sharing practices and your right to opt-out of certain information sharing, was provided to you when you opened your Chase Account with us or at the time you registered for the Chase QuickPay Service if you only hold External Accounts. It can be viewed by clicking on the "Privacy" link on any of our website pages.

Mobile Services

Your use of the Chase QuickPay Service may include access to some products and services through a mobile device ("Mobile Services"). By using the Mobile Services, you agree to the following terms. You agree that we may send you information relative to Mobile Services through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to the Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.

The Mobile Services are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. You understand and agree that these services may not be encrypted and may include personal or confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the products, services or functionality described on the Site(s) and the Agreement are available when you use the Mobile Services. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a mobile device. We reserve the right to determine your eligibility for any product, service, or functionality. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the Chase online services and Site(s) without the use of a mobile device. Information available directly through the Chase online services and Site(s) without the use of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in the Agreement or on our Site(s), or may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through the Chase QuickPay Service without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider.

Text Services

Your enrollment in the Chase QuickPay Service includes access to mobile text messaging related services (collectively, "Text Services"). By receiving or otherwise using these services, you agree to the following terms for these services. You agree that we may send messages through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. We may use a telephone number, e-mail address or other delivery location we have in our records for you or other such contact information as you may provide to us for these services so that we may send you certain information about your applicable account. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or the status of your account. Messages may be delayed or impacted by factor(s) pertaining to your phone carriers or other parties. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the messages sent through the Text Services. There is no service fee for the Text Services but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. Message and data rates may apply. Such charges include those from your communications service provider. Message frequency depends on user preferences. To cancel the Text Services, send STOP to 24273 at any time (J.P. Morgan Online clients only, send STOP to 576746). For help or information on the Text Services, send HELP to 24273. For additional assistance with the Text Services, contact customer service at 1-877-242-7372 (J.P. Morgan Online clients only call 1-866-265-1727).

Cancellation of Your Service

You may cancel the Chase QuickPay Service by calling 1-877-CHASEPC (1-877-242-7372) or if you have a Chase Account, you may also cancel online. By canceling the Chase QuickPay Service, any Pending, Repeating and Future Dated transfers, as well as transfers that have not been accepted by the recipient will also be terminated, however any transfer that is In Process cannot be Cancelled. When you cancel the Chase QuickPay Service, you will no longer be able to access or use the Chase QuickPay Service and you will not receive a refund of any service fees. When you cancel the Chase QuickPay Service, it will not cancel your other online services or your account relationships, if any, with us.

Cutoff Times

The Cutoff Time to accept transfers between Chase Accounts is 10:00 PM Eastern Time on any Business Day; the Cutoff Time to accept transfers between a Chase Account and an External Account is 8:00 PM Eastern Time on any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on our internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, we suggest that you transmit any Instructions to us sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the cutoff. Instructions entered after the Cutoff Time with a Send On date that is the next Business Day may start to process immediately and may be Funded prior to the Send On date.

Receiving and Requesting Money

To use the Chase QuickPay Service to receive money, the recipient must (i) be registered with the Chase QuickPay Service, (ii) have an eligible Pay To Account and (iii) accept transfers to the Pay To Account if the Pay From Account is a deposit account. Card transfers using the Chase QuickPay Service do not require acceptance by the recipient. The sender, who must be registered with the Chase QuickPay Service with an eligible Pay From Account and provide a valid e-mail address or mobile phone number for the recipient, must initiate a transfer of funds to the recipient. The recipient must accept a transfer before it will be processed. Funds will not be withdrawn from the Pay From Account until the recipient accepts the transfer. If the recipient declines a transfer, the transfer request will be Cancelled. Notwithstanding anything set forth in this Agreement, processing times vary depending on registration and information provided by the sender and recipient. We will automatically begin the delivery process and send notice of a transfer on the Send On date and will continue our attempts for up to nine (9) more times on the nine (9) succeeding Business Days if the recipient is not registered in the Chase QuickPay Service or has not accepted the transfer. After the tenth and final attempt, the transfer request will be Cancelled. The recipient may not initiate a transfer of funds from a third party's Pay From Account to the recipient's Pay To Account. If you have a Chase Account with us, you may however send an e-mail via the Chase QuickPay Service to request money from a third party if you have a valid e-mail address for such third party. If a request for transfer is subsequently cancelled by the requestor, and the sender has initiated a transfer tied to that request, the transfer will be Cancelled unless it is a Current Day transfer, the requestor has already accepted the transfer, or it is after the Cutoff Time on the Send On date.

As a recipient or sender of any transfer using the Chase QuickPay Service, you acknowledge and agree that, we may delay or cancel a request to transfer money and/or charge back the amount of such transfer to the Pay From Account or other account as we determine in our discretion or claim a refund from you for such amount for various reasons including fraud, duplicate payment, incorrect amount or incorrect recipient.

Sending Money Between Chase Accounts

To use the Chase QuickPay Service to send money between two Chase Accounts, the sender must maintain at least one eligible checking or AMA account held by us, and the recipient must maintain at least one eligible checking or AMA account with us. You may transfer funds - up to (A) your available balance plus any amount in your overdraft protection account, if applicable or (B) your credit limit.

Transfers between Chase Accounts: If you use the Chase QuickPay Service to send money, you authorize us to withdraw funds from your designated Pay From Account for all transfers of funds that you initiate through the Chase QuickPay Service and you agree to have sufficient funds or available credit in your Pay From Account on the Send On date for each such transfer you schedule until the transfer is Completed or Cancelled. We will not be obligated to make any transfer you may request unless there are sufficient available funds or available credit in the Pay From Account to cover the transfer. The recipient must accept the payment before the funds will be withdrawn from the Pay From Account. Transfers from Chase Accounts will be Funded from your Pay From Account on the day the recipient accepts payment.

For transfers between Chase accounts, funds will be available the next Business Day or sooner if the recipient accepts before the cutoff time. If the transfer is accepted after the Cutoff Time, or on any non-Business Day, funds will be available within two Business Days after acceptance and may be available immediately for cash withdrawal at ATMs and for online transactions, but not available to pay off-line payments such as checks until up to two Business Days after acceptance.

Current Day transfers between Chase Accounts: Any transfer Instruction for a requested Current Day transfer received by us after the Cutoff Time or on non-Business Days will not be a Current Day transfer and will be processed the following Business Day. If there are insufficient available funds (or available credit) to cover a Current Day transfer, we will automatically try to debit the Pay From Account up to two (2) more times a day for up to three (3) succeeding Business Days. After the final attempt, the transfer request will be Cancelled.

Repeating and Future Dated transfers between Chase Accounts: In the case of Repeating and Future Dated transfers, if sufficient funds are not in the Pay From Account on the Business Day the recipient accepts payment, we will automatically try to debit the Pay From Account up to two (2) more times a day for up to three (3) succeeding Business Days. After the final attempt, the transfer request will be Cancelled.

Sending Money Between Chase Accounts and External Accounts

To use the Chase QuickPay Service to send and receive money between a Chase Account and an External Account, the parties must use at least one eligible Chase Account with us and at least one External Account. To send money, you may transfer funds - up to (A) your available balance plus any amount in your overdraft protection account or (B) your credit limit.

Transfers between a Chase Account and an External Account:You authorize us to charge your designated Pay From Account with us for all transfers of funds that you initiate through the Chase QuickPay Service and you agree to have sufficient funds or available credit in your Pay From Account on the Send On date to cover each such transfer you schedule and any fees that might be associated with such transfer until the transfer is Completed or Cancelled. We will not be obligated to make any transfer you may request unless there are sufficient available funds or credit (including any available overdraft protection account you may have) in your Pay From Account to cover the transfer on the Send On date until the transfer is Completed or Cancelled. If there are insufficient available funds to cover a transfer, we will automatically try to debit the Pay From Account up to two (2) more times a day for up to three (3) succeeding Business Days. After the final attempt, the transfer request will be Cancelled.

Instructions for transfers to an External Account will be deducted from the Pay From Account held by us once the recipient accepts. Transfers from External Accounts are subject to the processing times of the financial institution holding the External Account. Instructions for transfers from External Accounts that we receive by the Cutoff Time on a Business Day will be sent to the financial institution holding the External Account on the same day for processing. For transfers from a Chase Account to an External Account, the transfer should typically be completed one to two Business Days after the Business Day that recipient accepts, subject to the processing times of the financial institution holding the External account. For transfers from an External Account to a Chase Account, the transfer should typically be completed four to five Business Days after the Business Day that recipient accepts, subject to the processing times of the financial institution holding the External account.

Transfer Instructions relating to External Accounts and the transmission and issuance of data related to such Instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and you and we agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to the Chase Account or the External Account shall be provisional until such credit has been finally settled by us or the third party institution which holds the External Account, as the case may be. You acknowledge that you have received notice of this requirement and of the fact that if we do not receive final settlement for a transfer for any reason, we shall charge back the amount of such transfer to the Pay To or Pay From Account (as applicable) or any other of your accounts or claim a refund from you.

Sending Money From a Card Account

Current Day transfers from Card accounts will be reflected in the Pay From Account as soon as we receive your Instructions. Repeating and Future Dated transfers cannot be made from Card accounts. Transfers from Card accounts can only be sent to merchants who have both registered for Chase QuickPay and accept transfers from your Card account. You agree that you will not use a debit card to send any money using the Chase QuickPay Service.

Transfer Limits

Transfers from External Accounts or consumer Chase Accounts may be made in amounts of up to $2,000 per transaction with a maximum of $2,000 per day, $8,000 in any seven (7) day period, and $16,000 in any thirty (30) day period, in the aggregate from all your combined accounts registered with the Chase QuickPay Service.

If you are a Private Banking client, transfers may be made in amounts of up to $5,000 per transaction with a maximum of $5,000 per day, $8,000 in any seven (7) day period, and $16,000 in any thirty (30) day period, in the aggregate from all your combined accounts registered with J.P. Morgan QuickPay. Transfers from business Chase Accounts may be made in amounts of up to $5,000 per transaction with a maximum of $5,000 per day, $20,000 in any seven (7) day period, and $40,000 in any thirty (30) day period, in the aggregate from all your combined accounts registered with the Chase QuickPay Service. For transfers from Card accounts, the minimum or maximum you will be able to send via the Chase QuickPay Service is also subject to the terms of the existing credit agreement. Additional limits may apply to transfers to and from External Accounts that have not yet undergone verification through the Chase QuickPay Service.

Repeating Transfers

Repeating transfers that are for the same fixed amount each month will be sent in accordance with your Instructions and on the same calendar day of each period you designate, or on the prior Business Day if the regular Send On date falls on a non-Business Day. In order to authorize a Repeating transfer, you agree to have a printer or other means to obtain a printed copy of your authorization for your records. If you do not have a printer, you agree to continue to authorize a Repeating transfer on a transaction-by-transaction basis until you have means of printing a copy of your authorization for your records.

If you desire to cancel a Repeating transfer, you may cancel your transaction online. If for any reason you cannot access the Online Service, you may also call or write online customer service at the phone number or address set forth in the paragraph entitled “Your Liability for Unauthorized Transfers”.

Chase QuickPay Fees

There is no service fee from us to use the Chase QuickPay Service. However, if we process a transfer in accordance with your Instructions that overdraws your Chase Account with us, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement. If we process a transfer in accordance with your Instructions that overdraws your External Account with a financial institution other than us, that institution may assess fees or charge interest for any such overdraft. We will not be liable for failure to pay any transfer request unless it is drawn against available funds credited to the designated Pay From Account. You will be responsible for paying any telephone company or utility charges and/or Internet access service fees incurred while using telephone lines and/or Internet access services to connect with the Chase QuickPay Service. Fees are subject to change from time to time upon notice to you as may be required by law.

The following additional terms apply whenever you use the Chase QuickPay Service to send transfers from a consumer deposit account registered via the Chase QuickPay Service. A consumer account is one that is used primarily for personal, family or household purposes; all other accounts are business accounts. If you perform transactions from business accounts registered through the Chase QuickPay Service, please refer to the paragraphs beginning with "ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER SERVICES FOR BUSINESS ACCOUNTS" for additional terms applicable to business transactions.

Your Liability for Unauthorized Transfers

If you permit other persons to use the Chase QuickPay Service or your Password, you are responsible for any transactions they authorize from your accounts. If you believe that your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us AT ONCE, by calling 1-877-242-7372 (J.P. Morgan Online clients only call 1-866-265-1727) or writing us at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. If you have an External Account, you should also notify the financial institution holding your External Account and refer to your applicable account agreement for terms and conditions regarding your liability for unauthorized transactions or other errors or questions relative to those External Accounts.

For Consumer Deposit Accounts Only: Tell us AT ONCE if you believe your Password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you do not do so, you could lose all the money in each of the accounts, as well as all of the available funds in any overdraft protection account or any other credit line included among your accounts. If you tell us within two (2) Business Days after you discover the loss or theft, you are completely covered if someone makes a transfer without your authorization.

If you do not tell us within two (2) Business Days after you discover the loss or theft of your Password or that an unauthorized online transfer has been made from any of your deposit accounts, and we can prove we could have stopped someone from making a transfer without your authorization if you had told us, you could lose as much as $500. Furthermore, if any deposit account statement shows online transfers that you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days for a transfer from a Chase Account after a Chase statement showing such a transfer was transmitted, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If you do not tell us within ninety (90) days for a transfer from an External Account after the statement from the institution holding your External Account showing such a transfer was transmitted, you may not get back any money you lost after the ninety (90) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time periods.

Our Liability for Failure to Complete Transfers: For Consumer Deposit Accounts Only

If we do not complete a transfer you send from your consumer deposit account in the correct amount or according to our agreement with you, we will be liable for those damages as the law imposes in such cases. However, there are some exceptions. We will not be liable, for example:

(A) If, through no fault of ours, your account does not contain sufficient funds to make the transfer and the transfer would exceed any credit line or any overdraft for such account.

(B) The Chase QuickPay Service, your operating system or software was not functioning properly at the time you attempted to initiate such transfer and it was evident to you at the time you began the transfer.

(C) Circumstances beyond our control, such as fires, floods, acts of God, power outages and the like.

(D) For External Transfers, the third party financial institution holding your account mishandles or delays processing or posting a transfer sent by the Chase QuickPay Service.

(E) If you have not provided us with complete and correct transfer information, including without limitation the financial institution name and account number for your Pay To and Pay From Accounts registered with Chase QuickPay, the email address of the recipient for transfers you send and transfer amount for a transfer.

(F) If the intended recipient of a transfer is not registered with the Chase QuickPay Service.

The list of examples set out in this paragraph is meant to illustrate circumstances under which we would not be liable for failing to make a transfer and is not intended to list all of the circumstances where we would not be liable.

Errors and Questions about Chase QuickPay Service: For Transfers From Consumer Deposit Accounts Only

In case of errors or questions about your electronic transfers from your consumer deposit accounts you should telephone or write us as soon as you can, at the address or phone number set forth in the section above entitled "Your Liability for Unauthorized Transfers" if you think that your statement is wrong or you need more information about a transfer listed on the statement. We must hear from you no later than (a) sixty (60) days for transfers from a Chase Account after we sent you the FIRST statement on which the problem or error appeared or (b) ninety (90) days for transfers from an External Account after the FIRST statement sent by the financial institution holding your External Account on which the problem or error appeared.

  • Tell us your name, the name of the institution holding the account, and the account number(s) of the account(s) involved.
  • Describe the error or the transfer you are uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.
If you tell us in person or by telephone, we may require that you send us your complaint or question in writing within ten (10) Business Days.

We will give you the results of our investigation within 10 Business Days (or 20 Business Days if your account was opened less than 30 days prior to the date of the suspected error) after we hear from you. If we have made an error, we will correct it promptly. If we need more time, however, we may take up to 45 days (or 90 days if your account was opened less than 30 days prior to the date of the suspected error) to investigate your complaint or question. If we decide to do this, we will credit the account in question within 10 Business Days (or 20 Business Days if your account was opened less than 30 days prior to the date of the suspected error) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Such crediting is referred to as a provisional credit. You agree and authorize us to make an electronic transfer to your account to make such provisional credit. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not provisionally credit the account(s) that was the subject of your complaint. If the transaction complained of involves an account that is subject to margin requirements or is otherwise covered by Regulation T of the Federal Reserve Board, we will not provisionally credit the account involved.

We will give you the results within three Business Days after completing our investigation. If we find there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If we provisionally credit your account, we may take back the amount of any credit if we find that an error did not occur. You agree and authorize us to debit your account to take back the amount or claim a refund from you for such amount.

The Chase QuickPay Guarantee – for Consumer Deposit Accounts Only

In the event that funds are removed from your consumer deposit accounts without your authorization, we will reimburse you 100% if you tell us within two Business Days of your discovery of the unauthorized transaction. (See the paragraph above entitled "Your Liability for Unauthorized Transfers.") Our guarantee covers only things that are within our control -- the guarantee does not cover your failure to completely log out and exit the Chase QuickPay Service when you're finished with your online or mobile session or away from your computer or mobile device, nor does it cover your negligent handling of your User ID and Password. It is your responsibility to use care when exiting the system and safely maintain your User IDs and Passwords.

ADDITIONAL TERMS APPLICABLE ONLY TO THE CHASE QUICKPAY SERVICE FOR CARD ACCOUNTS

Please refer to your applicable card agreement for terms and conditions regarding your liability for unauthorized transactions or other errors or questions relative to those accounts.

ADDITIONAL TERMS APPLICABLE ONLY TO THE CHASE QUICKPAY SERVICE FOR BUSINESS ACCOUNTS

Chase QuickPay Liability for Unauthorized Transfers for Chase Business Deposit Accounts Only

You are responsible for all transfers that are authorized using your Password to access the Chase QuickPay Service. If you permit other persons to use the Chase QuickPay Service or your Password, you are responsible for any transactions they authorize. NOTE: ACCOUNT ACCESS THROUGH THE CHASE QUICKPAY SERVICE IS SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS. THEREFORE, WHEN YOU GIVE AN INDIVIDUAL THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE CHASE QUICKPAY SERVICE, THAT INDIVIDUAL MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH PASSWORD, AND TO ACT ON SUCH INSTRUCTIONS.

We shall have no liability to you for any errors or losses you sustain in using Chase QuickPay Service except where we fail to exercise ordinary care in processing any transaction. We shall also not be liable for any failure to provide any service if the account(s) involved is no longer linked for the Chase QuickPay Service. Our liability in any case shall be limited to the amount of any funds improperly transferred from your Pay From Account less any amount, which, even with the exercise of ordinary care, would have been lost.

Without regard to care or lack of care of either you or us, a failure to report to us any unauthorized transfer or error from any of your Chase Accounts within thirty (30) days of our providing or making available to you a bank statement showing such unauthorized transfer or error shall relieve us of any liability for any losses sustained after the expiration of such thirty-day period and you shall thereafter be precluded from asserting any such claim or error.

Errors and Questions about Chase QuickPay Services for Chase Business Deposit Accounts Only

In case of errors or questions about your electronic transfers from a Chase business deposit account, you should contact us as soon as you can by calling 1-877-242-7372 or writing us at Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968 if you think that your Chase Account statement is wrong or you need more information about a transfer listed on the Chase Account statement. We must hear from you no later than thirty (30) days after we sent or otherwise made available to you the FIRST statement on which the problem or error appeared. Failure to so notify us will preclude you from being able to assert a claim based on such problem or error. Any errors reported to us will be investigated by us and we will advise you of the results of our investigation.

In case of errors or questions about your electronic transfers that appear on your External Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your External Account.

ADDITIONAL TERMS APPLICABLE TO ALL USERS OF THE CHASE QUICKPAY SERVICE

Computer Equipment; Browser Access and Internet Services

You are responsible for obtaining, installing, maintaining and operating all software, hardware or other equipment (collectively, "System") necessary for you to access and use the Chase QuickPay Service. This responsibility includes, without limitation, your utilizing up to date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and internet security software. You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks, including, but not limited to those we may disclose in our educational materials. You acknowledge that you are responsible for the data security of the Systems used to access the Chase QuickPay Service, and for the transmission and receipt of information using such Systems. You acknowledge that you are using Chase QuickPay Service for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems and that you are satisfied with that assessment. We are not responsible for any errors or problems that arise from the malfunction or failure of the Internet or your Systems nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems. Although we may provide a link to a third party site where you may download software, we make no endorsement of any specific software, hardware or Internet Service Provider and your use of any such software, hardware or service may also be subject to the license or other agreements of that provider, in addition to the terms and conditions of this Agreement.

Passwords

We may at our option change the parameters for the password used to access and use the Chase QuickPay Service ("Password") without prior notice to you, and if we do so, you will be required to change your password the next time you access the Chase QuickPay Service. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Chase QuickPay Service, you agree to protect and keep confidential your Card number, account number, PIN, User ID, Password, or other means of accessing your accounts via the Chase QuickPay Service. The loss, theft, or unauthorized use of your Card numbers, account numbers, PINs, User IDs, and Passwords could cause you to lose some or all of the money in your accounts, plus any amount available under your overdraft protection credit line, or draws on your credit card account. It could also permit unauthorized persons to gain access to your sensitive personal and account information and to use that information for fraudulent purposes, including identity theft. If you disclose your Card numbers, account numbers, PINs, User IDs, and/or Passwords to any person(s) or entity, you assume all risks and losses associated with such disclosure. If you permit any other person(s) or entity to use the Chase QuickPay Service or to access or use your Card numbers, account numbers, PINs, User IDs, Passwords, or other means to access your accounts, you are responsible for any transactions and activities performed from your accounts and for any use of your personal and account information by such person(s) or entity. If you believe someone may attempt to use or has used the Chase QuickPay Service without your permission, or that any other unauthorized use or security breach has occurred, you agree to immediately notify us at 1-877-242-7372 (J.P. Morgan Online clients only call 1-866-265-1727).

Notices

You agree that by using the Chase QuickPay Service, all notices or other communications which we may be required to give you arising from our obligations under this Agreement or the Chase QuickPay Service may be sent to you electronically to any electronic mailbox we have for you, or at our option, another electronic mail address you provide to us or in any other manner permitted by law including, but not limited to, posting it on our website.

New Features

We may, from time to time, introduce new features to the Chase QuickPay Service or modify or delete existing features in our sole discretion. We shall notify you of any of these changes to features if we are legally required to do so. By using any new or modified features when they become available, you agree to be bound by the rules concerning these features.

Limitation of Liability; No Warranties

EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, WE SHALL NOT BE RESPONSIBLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENENACE THEREOF, ACCESS TO OR USE OF THE CHASE QUICKPAY SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE CHASE QUICKPAY SERVICE IS AT YOUR SOLE RISK AND THAT THE CHASE QUICKPAY SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT WE MAKE NO WARRANTY THAT THE CHASE QUICKPAY SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE CHASE QUICKPAY SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

Other Agreements

In addition to this Agreement, you agree to be bound by and comply with such other written requirements as we may furnish to you in connection with either the Chase QuickPay Service or products which may be accessed via the Chase QuickPay Service, including, but not limited to, any deposit or Card account agreements that apply to your Chase Account or Chase Card account, and with all applicable State and Federal laws and regulations. If you have an External Account or non-Chase Card accounts, they may also be subject to the terms of the applicable account agreements. In the event of a conflict between the terms of this Agreement and any applicable Chase account agreements with us, the terms of this Agreement will control except as may be otherwise stated herein.

Termination

We may terminate or suspend this Agreement, or terminate, suspend or limit your access privileges to the Chase QuickPay Service, in whole or part, at any time for any reason without prior notice. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this Agreement for all purposes.

Disputes

In the event of a dispute arising under or relating in any way to this Agreement or to the Chase QuickPay Service provided under this Agreement, you and we agree to resolve this dispute by looking to the terms of this Agreement. If there is a conflict between what one of our employees says and the terms of this Agreement, the terms of this Agreement shall control.

Binding Arbitration

YOU HEREBY AGREE THAT ANY DISPUTE, CLAIM OR CONTROVERSY ARISING NOW OR IN THE FUTURE UNDER OR RELATING IN ANY WAY TO THIS AGREEMENT, OR TO THE CHASE QUICKPAY SERVICE ("CLAIM"), REGARDLESS OF THE NATURE OF THE CAUSE(S) OF ACTION ASSERTED (INCLUDING CLAIMS FOR INJUNCTIVE, DECLARATORY, OR EQUITABLE RELIEF), SHALL BE RESOLVED BY BINDING ARBITRATION. CLAIMS SUBJECT TO ARBITRATION INCLUDE CLAIMS THAT ARE MADE AS COUNTERCLAIMS, CROSS CLAIMS, THIRD PARTY CLAIMS, INTERPLEADERS, OR OTHERWISE. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, AND YOU THEREFORE AGREE TO WAIVE ANY RIGHT THAT YOU OR WE MIGHT OTHERWISE HAVE HAD TO A JURY TRIAL OR THE OPPORTUNITY TO LITIGATE ANY CLAIMS IN COURT BEFORE EITHER A JUDGE OR JURY. YOU FURTHER AGREE THAT YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION (SUCH AS AN ACTION IN THE FORM OF A PRIVATE ATTORNEY GENERAL) TO LITIGATE ANY CLAIMS IN COURT BEFORE EITHER A JUDGE OR JURY; NOR WILL YOU BE ABLE TO PARTICIPATE AS A CLASS MEMBER IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION TO LITIGATE ANY CLAIMS IN COURT BEFORE EITHER A JUDGE OR JURY.

This binding arbitration provision applies to any and all Claims that you have against us, our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, and against all of their respective employees, agents, or assigns, or that we have against you; it also includes any and all Claims regarding the applicability of this arbitration clause or the validity of the Agreement, in whole or in part. It is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. sections 1-16, as it may be amended.

The party filing a Claim(s) in arbitration must file its Claim(s) before the American Arbitration Association under the rules of such arbitration administrator in effect at the time the Claim(s) was filed. Rules and forms of the may be obtained and Claims made may be filed at American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4605, 800-778-7879, www.adr.org. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitrator administrator within the federal district in which you reside at the time the Claim(s) is filed, or at some other place to which you and we agree in writing. Judgment upon any arbitration award may be entered in any court having jurisdiction.

This Arbitration Agreement shall survive: (i) termination or changes in the Agreement, and the relationship between you and us concerning the Agreement; and (ii) the bankruptcy of any party or any similar proceeding initiated by you or on your behalf. If any portion of this Arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force.

Indemnity

You acknowledge and agree that you are personally responsible for your conduct while using the Chase QuickPay Service and agree to indemnify and hold us and our officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys' fees) that we may incur in connection with a third party claim or otherwise, in relation to your use of the Chase QuickPay Service or the use of the Chase QuickPay Service by anyone using your Card number, account number, PIN, User ID or Password or your violation of this Agreement or the rights of any third party (including, but not limited to, privacy rights). Your obligations under this paragraph shall survive termination of this Agreement.

Records; Communications

Our records, kept in the regular course of business, shall be presumed to accurately reflect the contents of your instructions to us and, in the absence of manifest error, will be binding and conclusive.

Unless otherwise prohibited by law, any communication or material you transmit to us via the Chase QuickPay Service or electronic mail is on a non-confidential basis and we may use such communication or material for any purpose consistent with our Privacy Notice, including reproduction, publication, broadcast and posting.

When you give us your mobile phone number, we have your permission to contact you at that number about all your Chase or J.P. Morgan accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message and data rates may apply. You may contact us anytime to change these preferences.

Special Provisions for Business Customers

Any User ID or Password we provide to you is provided to you in your capacity as a representative of the business entity registered with the Chase QuickPay Service only, and may not be retained by you after any termination of your relationship with such business entity. You agree to inform us immediately if a person with access to a Password leaves the employ of the entity to which that Password has been assigned.

Choice of Law/Successors; Waiver; Severability

This Agreement and its enforcement shall be governed by the laws of the State of New York, without regard to any choice of law provision, and shall inure to the benefit of our successors and assigns, whether by merger, consolidation, or otherwise. The account(s), products and services accessed via the Chase QuickPay Service shall be governed by laws of the applicable account agreements.

We will not be deemed to have waived any of our rights or remedies under this Agreement 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.

If any provision of this Agreement conflicts with the law under which this Agreement is to be construed or if any provision of this Agreement is held invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remaining provisions of this Agreement and the application of the challenged provision to persons or circumstances other than those as to which it is invalid or unenforceable will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.

Risk Of Loss

In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction(s) that you initiated, were in the process of completing, or completed shortly before a system failure or interruption should be verified by you through means other than online to ensure the accuracy and completeness of such transaction(s). You assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s) so affected.

Chase Account Information

Any Chase Account information provided to you as part of the Chase QuickPay Service is not the official record of your Chase Account or its activity. Your Chase Account statement, furnished to you by us for Chase Accounts in a paper format, or electronically if you are enrolled in paperless statements service, will remain the official record. The Chase QuickPay Service information is generally updated regularly, but is subject to adjustment and correction and therefore should not be relied upon by you for taking, or forbearing to take, any action.

Privacy Notice

Please click and read the Privacy Notice carefully and consider printing a copy for your records. This Notice explains what Chase does to keep information about you private and secure. We want you to know how we manage that information to serve you and that you have choices about how it is shared. This Notice covers our family of companies, a partial list of which is contained at the end of the Notice.