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Card Controls Terms & Conditions

Please read the following terms and conditions before using SCE FCU’s Card Control Service (the “service”). You agree to be bound by these terms and conditions (“agreement”) and represent and warrant that you have the right, authority, and capacity to enter into this agreement. This agreement applies to you and anyone else you authorize to use the service.

If you do not accept this agreement, your sole and exclusive remedy is to discontinue use of the service.

card controls agreement
Eligibility

The Service is only available to individuals who have been issued a SCE FCU Visa Debit Card that is in good standing and eligible for the Service (“Card Controls”). Note: Eligibility of a Card will be determined by us in our sole and absolute discretion. Our decisions with respect to your eligibility are final and binding. We reserve the right to terminate your participation in the Service at any time. The user must qualify for online banking and mobile services to use the Service and as such must comply with the Online Banking Terms & Conditions and act in accordance with the Membership Agreement & Disclosure.

The Service

The Service is offered by SCE Federal Credit Union (referred to herein as "SCE FCU", "us", "we" or "our"). The Card Control Service is designed to allow you to temporarily or permanently disable your debit card in the event it is misplaced, lost, or stolen. The Service may also be used to send transactions alerts via email or SMS notifications. Access to the Services is limited to SCE FCU’s online or mobile application.

The Service does not allow for the cancellation of authorized or pre-authorized debit card transactions. It is not intended as a method for stopping payment on authorized or pre-authorized transactions. In accordance with Visa Operating Rules, all transactions, for which there is a prior authorization, will be paid by SCE FCU. This applies to authorizations made in both card present and card not present situations, and in cases of pre-authorized recurring transactions. Pre-authorized recurring transactions must be stopped in accordance with the agreement made with the merchant involved in the pre-authorizations.

Security

It is your sole responsibility to maintain the physical security of your mobile devices and for the personal devices you use to access the Service. Personal devices such as your mobile phone, tablet, smart phone, and/or laptop (“Personal Devices”) should be properly secured from unauthorized access and used to preserve the confidentiality of your information, data, and identification. Personal identification numbers associated with Personal Devices should be kept secure and safeguarded and protected against unauthorized access or use.

You are responsible for monitoring your account activity, whether electronically or by checking your statements. Use of the Service does not override the user’s responsibility to report unauthorized transactions in a timely manner as described in the Membership Agreement & Disclosure. The Credit Union assumes no responsibility for failure of the Service to work in the expected manner, aside from the responsibilities put forth in said agreement.

Fees

SCE FCU does not charge for use of the Service. However, in order for Transaction Alerts to be sent to your mobile telephone number(s), you must (i) own a two-way text message (or "SMS") capable mobile phone that is registered on a carrier network, (ii) have enrolled in a data plan that includes use of your mobile handset’s SMS capabilities and (iii) ensure that your account remains in good standing with your wireless service carrier. You hereby acknowledge and agree that standard text messaging rates apply for each text message sent from and received by your mobile phone as determined by your wireless service carrier. You are solely responsible for such charges and any other charges from your wireless service carrier. You should contact your wireless service carrier for complete pricing details.

Transaction Alerts

Following your registration to receive Transaction Alerts sent to your mobile telephone number(s), the actual time between a transaction made with your Card that triggers a Transaction Alert and the time you receive such Transaction Alert is dependent on your wireless carrier’s service and coverage within the area in which you are physically located at that time. Your receipt of Transaction Alerts may not be available in all areas.

No Amendment of Existing Terms and Conditions for Cards

The transaction alerts that are provided to you through this service do not amend, supplement, change or replace any other notice or information that you may receive in connection with your card account, including, but not limited to, any information provided to you on your periodic statement or Membership Agreement & Disclosure.

Limitations

card controls agreement
No Warranties

Equipment, Computer, and Software. SCE FCU, its directors, officers, employees, staff, representatives, assigns, related parties, affiliates, subsidiaries, divisions, advertising and promotion agencies for their service providers (collectively, "released parties") specifically disclaim any responsibility and all warranties of any kind, whether express or implied, as as to the operation of the service or equipment. You agree that your use of and access to the service and any equipment are at your sole risk. The service and any equipment used to make available such service is provided on an "as is" and an "as available" basis.

Limitation of Liability

In no event shall released parties be liable to you or any third party for any special, indirect, consequential or punitive loss or damage or any breach of this agreement, including but not limited to loss of profits, loss of business or goodwill, loss of use even if we have been advised of the possibility of such loss or damage or any claim by any third party. Released parties shall not be liable if the service cannot be provided (or any part there of) or for any failure to perform any obligations contained in this agreement due to directly or indirectly, the failure of any equipment or any industrial dispute, war, flood, explosion, act of God or any other even beyond our control.

In addition, notwithstanding anything contrary herein, although SCE FCU will take commercially reasonable precautions to protect the service and avoid deletion, corruption, unauthorized modification or access of or to the service, and to provide the service error-free or uninterrupted, no representation or warranty of fitness or merchantability shall be construed under this agreement, and released parties specifically disclaim all liability whatsoever with respect to any failure to protect the service or provide the service error-free or uninterrupted.

Indemnity

You agree to indemnify and hold harmless the Released Parties from any loss, liability, claim, or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of the Service in violation of this Agreement and/or arising from a breach of this Agreement and/or any breach of your representations and warranties set forth herein.

Exclusions & Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability or incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

Dispute Resolution

Any claim shall be handled in accordance with the dispute resolution provisions described in your Membership Agreement & Disclosure.

Enforceability

We may waive enforcement of any provision of the Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

Amendment

We may change this Agreement at any time. We may add new terms and conditions and we may delete or amend the existing terms and conditions. You will generally be provided advance notice of any change. If the change is favorable for you, we may make the change at any time without prior notification. If you do not agree with the change, you may discontinue using the Service. If you continue using the Service, your continued use will be acceptance to the agreement changes.

Termination

We may terminate or suspend the Service, or your use of the Service, at any time. You may terminate your use of the Service at any time through the card control application or by giving notice to us. Your notice will not be effective until we receive your notice of termination and we have had a reasonable time to act upon it. Without limiting the foregoing, this Agreement may be terminated if you breach any term of the Agreement, if you use the Services for any unauthorized or illegal purposes or you use the Services in a manner inconsistent with the terms of your Membership Agreement & Disclsoure or any other Agreement with us.

Contact Us

If you have any questions about the Service or any Card transaction, please send us a Secure eMail or contact our Member Care Center at 800.866.6474 during business hours.