Terms and Conditions
Right to Use Site Content
Submissions and Feedback
Merchants and Merchant Offers
Third Party Content and Links to Other Web Sites
Disclaimer of Warranties
Disclaimer of Damages and Limitation of Liability
Customer Service and Contact information
The Site is a benefit for Credit Union 1 cardholders and other consumers. We are bringing to you an open digital wallet service that allows you to store payment, shipping and billing information (“Payment Information”) in your Credit Union 1 Wallet and to use your Credit Union 1 Wallet wherever you see the MasterPass® online acceptance mark (the “MasterPass Button”) to enable remote transactions that are safe, simple and smart. You may store your credit, debit and prepaid cards supported by the Credit Union 1 Wallet (“Cards”), which may include Cards that bear a logo of MasterCard, Visa, American Express, Discover and other supported payment card associations, networks, or companies. MasterCard, at your request, will transmit your Payment Information, which you have registered with MasterCard in your Credit Union 1 Wallet, to a merchant that displays the MasterPass Button (a “MasterPass Online Merchant”) on its website, .mobi site or smart device application when you click the “Review Your Order” button on the Site. After the MasterPass Online Merchant receives your Payment Information, it will submit the payment for processing as usual through its acquirer. Credit Union 1 is not involved in, and does not make any representations with respect to, any underlying transaction between you and any MasterPass Online Merchant. MasterCard does not guaranty payment on behalf of any consumer. Credit Union 1 does not represent or warrant the authenticity, validity, accuracy or completeness of the Payment Information MasterCard transmits on your behalf. Credit Union 1 disclaims all liability for fraud or unauthorized use related to Payment Information. You must be at least 18 years of age or 21 in Puerto Rico to use the Site.
You are entirely responsible for maintaining the security and confidentiality of your account, user name and password, and you are responsible for all activities and conduct by you or anyone else that are conducted through your account. You agree to notify Credit Union 1 immediately of any unauthorized use of your account or any other breach of security. Credit Union 1 or agents will not be liable for any loss or damages of any kind that may arise as a result of someone else using your password or account, either with or without your knowledge; however, you may be held liable for any losses incurred by Credit Union 1 or another party due to someone else using your account or password.
You will at all times adhere to all applicable laws, rules, and regulations applicable to your use of the Credit Union 1 Wallet. Without limiting the foregoing, you may not act as a payment intermediary, aggregator or service bureau or otherwise resell the Credit Union 1 Wallet yourself or on behalf of any third party, including without limitation the handling, processing, and transmission of funds for any third party. We may refuse to provide and have the right to disable the Credit Union 1 Wallet to you or any other user at any time for any reason or no reason whatsoever, including, without limitation, if we suspect fraud, illegal, unauthorized or improper conduct.
As part of the sign-up process, you may elect to receive various notices in the form of text messages sent to your mobile phone. By making the election, you expressly agree and consent to receive these messages. Your standard messaging, airtime, and data rates will apply. The number of messages you will receive each month will vary according to the number of transactions you make and the preferences you select during the sign-up process. You can get help at any time by texting HELP to 74920. You may also email Customer Service at walletsupport@MasterPass.com or call 1-866-309-6155. You may revoke your consent at any time by returning to www.MasterPass.com/wallet, logging into your account, and navigating to the Preferences page. You may also text “STOP,” “ENDVER,” “ENDNOT,” or “ENDMKT” to 74920. If your mobile phone is off, out of range, or subject to a variety of other conditions, you may not receive all messages or messages may be delayed. Cellular and other wireless transmission services and networks are inherently insecure and subject to service disruptions, weak or dropped signals, and other failures over which we have no control. Messages are currently supported by the following mobile carriers: AT&T, CBW, nTelos, U.S. Cellular Sprint, Nextel, Boost, Virgin Mobile, Verizon Wireless, T Mobile, Alltet, and Cricket. We assume no responsibility or liability for the foregoing or your failure to receive messages.
We are granting you a limited, nonexclusive, revocable license for you to view, share, print or download any Content, as defined below, from the Site for your own personal use. You are not granted the right to license, republish, distribute, copy, assign, sublicense, transfer, sell, prepare of derivative works or other non-personal use any Content on the Site. No part of any Content may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use. You may not access or use the Site in any way that could or is intended to damage or impair the Site, or any server or network underlying the Site, or interfere with anyone else's use and enjoyment of the Site. You are also granted a limited, revocable, and nonexclusive right to create a hyperlink to the Site or its any Content therein so long as the link does not portray Credit Union 1, or its products or services in a false, misleading, derogatory, or otherwise offensive matter or imply a sponsorship or endorsement of your site, page or content by Credit Union 1.
You may not use automated systems (e.g., robots, spiders, etc.) to access the Site. You agree not to collect personally identifiable information of other users of the Site or to sell or otherwise exploit that information. Except for the limited rights expressly granted herein, all right, title and interest in and to the Site and all Content contained therein are reserved and owned by Credit Union 1.
Credit Union 1 may terminate your registration or restrict your access to the Site for any reason at any time.
The Site Content is protected by applicable intellectual property laws and all Content is owned by Credit Union 1, MasterCard or used by Credit Union 1 under a license or with permission. All text, formatting (including without limitation the selection, coordination and arrangement of materials on the Site, and the images, graphics, animation, tools, widgets, applications, commercials, videos, music, sounds, articles, copy, creative materials, photos, trademarks, service marks, trade names, and logos, and other materials and information on this Site are subject to the intellectual property rights of MasterCard, Credit Union 1, or their subsidiaries and affiliates, and their respective licensors and licensees (collectively “Content”). These materials may not be copied, reverse engineered, decompiled, disassembled, modified, reposted to other web sites, framed, deep linked to, changed, or otherwise distributed, redistributed, licensed, sublicensed or transferred in any form by you. Nothing contained on the Site shall be construed as granting, by implication, estoppel or otherwise, any license or right to make commercial use of any Credit Union 1 or MasterCard trademark, intellectual property right or copyrighted material without Credit Union 1's prior written permission. The trademarks, logos, trade names and service marks, whether registered or unregistered (collectively the “Trademarks”) displayed on the Site, including MasterPass, MasterPass Wallet, MasterPass Online, and the MasterPass Wallet Services, are Trademarks of MasterCard and/or its third party partners including Credit Union 1. Nothing contained on the Site should be construed as granting by implication or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of Credit Union 1, MasterCard or such third party that may own the Trademark.
Any unauthorized commercial use of these materials will violate Credit Union 1 or MasterCard intellectual property rights and will be subject to their full legal rights and remedies.
In operating the Site, MasterCard may act as a “services provider” (as defined by DMCA) and offer services as online provider of materials and links to third party web sites. As a result, third party materials that MasterCard does not own or control may be transmitted, stored, accessed or otherwise made available using the Site. MasterCard has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on the Site and has adopted a policy that provides for the immediate removal of any content or the suspension of any user that is found to have infringed on the rights of MasterCard or of a third party, or that has otherwise violated any intellectual property laws or regulations, or this Agreement. If you believe any material available through the Site infringes a copyright, you should notify MasterCard using the notice procedure for claimed infringement under the DMCA (17 U.S.C. Sect. 512(c)(2)). MasterCard will respond expeditiously to remove or disable access to the material claimed to be infringing and will follow the procedures specified in the DMCA to resolve the claim between the notifying party and the alleged infringer who provided the Content. You should address infringement notices under the DMCA to: Copyright Agent, 2000 Purchase Street, Purchase, NY 10577, Attn: Law Department or to email@example.com.
Please provide the following notice:
- Identify the copyrighted work or other intellectual property that you claim has been infringed;
- Identify the material on the Site that you claim is infringing, with enough detail so that MasterCard may locate it on the Site;
- A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
- A statement by you declaring under penalty of perjury that (a) the above information in your notice is accurate, and (b) that you are the owner of the copyright interest involved or that you are authorized to act on behalf of that owner;
- Your address, telephone number, and email address; and
- Your physical or electronic signature
MasterCard may give notice to its users of any infringement notice by means of a general notice on any of its websites, electronic mail to a user's e-mail address in its records, or by written communication sent by first-class mail to a user's physical address in its records. If you receive such an infringement notice, you may provide counter-notification in writing to the designated agent that includes the information below. To be effective, the counter-notification must be a written communication that includes the following:
- Your physical or electronic signature;
- Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or access to it was disabled;
- A statement from you under the penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
- Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a Federal District Court for the judicial district in which your physical address is located, or if your physical address is outside of the United States, for any judicial district in which we may be found, and that you will accept service of process from the person who provided notification of allegedly infringing material or an agent of such person.
From time to time, we may ask that you for your feedback on the Site and products and/or services. Any communication or material you transmit or post will be (a) treated as non-confidential and non-proprietary by Credit Union 1, (b) become the property of Credit Union 1 and Credit Union 1 shall exclusively now and hereinafter own all rights, title and interest therein, and (c) used without restriction by Credit Union 1 licensees and affiliates at its sole discretion without any obligation, compensation or other liability to you. Such use may be for any purpose whatsoever, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting whole or in part, in any medium and in any manner, now known or later developed, on this Site or otherwise. And Credit Union 1 shall be under no obligation to respond to any such communication. Notwithstanding the foregoing, Credit Union 1 maintains a policy of not accepting or considering any creative ideas, suggestions or materials from the public regarding its products and services (“Submissions”), and therefore, you should not make any Submissions to Credit Union 1 in any communications through this Site or otherwise. Nonetheless, if you do send us a Submission, despite our request not to do so, then such Submission shall immediately become the property of Credit Union 1 and Credit Union 1 shall exclusively now and hereinafter own all rights, title and interest therein. Furthermore, Credit Union 1 shall be free to use any Submissions for any purpose whatsoever, including, but not limited to, developing and marketing products and services. Credit Union 1 shall not be liable for such use or disclosure of such Submission or for any similarities in the Submission and any future Credit Union 1 products and services.
Merchants (including nonprofits) may provide to Credit Union 1 certain offers, experiences or other benefits on the purchases of goods and services (“Offers”) that may be available on the Site or directly through the merchant. Such Offers are subject to certain terms and conditions for each Offer and may change at any time without notice to you. Credit Union 1 will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. You acknowledge that Credit Union 1 does not endorse or warrant the merchants that are accessible through the Site nor the Offers that they provide on the Site or on their own web site.
From time to time, we make you aware of certain Credit Union 1 or third party related contests and sweepstakes or other promotions. All such contests, sweepstakes and promotions are subject to the Official Rules or Terms and Conditions for such sweepstakes, contests and promotions and all related applicable laws, regulations and statutes.
Credit Union 1 is not responsible for examining or evaluating, and we do not warrant the offerings of any third party content or Offer presented on this Site. Credit Union 1 does not assume any responsibility or liability for the actions, Offer and content of all these and any other third parties. Carefully review the Offer details and terms and conditions prior to purchase.
While Credit Union 1 will use reasonable efforts to ensure that all material on this Site is correct; however, accuracy cannot be guaranteed and Credit Union 1 does not assume any responsibility or liability for the accuracy, completeness or authenticity of any information contained in this Site.
THE SITE AND ALL CONTENT CONTAINED HEREIN ARE PROVIDED TO YOU “AS IS,” AND “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE HEREBY DISCLAIMED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, TITLE/NONINFRINGEMENT, QUALITY OF INFORMATION, OR FITNESS FOR A PARTICULAR PURPOSE. NO INFORMATION OBTAINED BY YOU FROM Credit Union 1 THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITATION, Credit Union 1 DISCLAIMS ALL WARRANTIES REGARDING THE AVAILABILITY OF THE SITE, THAT THE SITE WILL OPERATE ERROR-FREE, THAT THE OFFER TERMS AND CONDITIONS OR DETAILS ARE ACCURATE, THAT DEFECTS WILL BE CORRECTED OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS AT YOUR OWN RISK, ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE IS PROVIDED AT YOUR OWN RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR ANY DATA LOSS THAT MAY RESULT FROM YOUR USE OF THE SITE, INCLUDING WITHOUT LIMITATION, DAMAGE RESULTING FROM COMPUTER VIRUSES. PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
IN NO EVENT SHALL CREDIT UNION 1, ITS BUSINESS PARTNERS OR THEIR RESPECTIVE AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL OR OTHER DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO PROPERTY DAMAGE, LOSS OF USE, LOSS OF BUSINESS, ECONOMIC LOSS, LOSS OF DATA OR LOSS OF PROFITS, WITHOUT REGARD TO THE FORM OF ACTION (INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR ACCESS OF THE SITE, OFFERS OR ITS CONTENT, EVEN IF Credit Union 1 OR ITS BUSINESS PARTNERS, EMPLOYEES, REPRESENTATIVES OR AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. IN NO EVENT SHALL Credit Union 1'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR ONE HUNDRED DOLLARS ($100) (WHICHEVER IS LESS), FOR ACCESSING OR PARTICIPATING IN ANY ACTIVITY RELATED TO THE SITE. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
Without limiting the foregoing, we are not responsible for any errors in any Offer details or terms and conditions, any card account fees or penalties that you incur on Credit Union 1 card or any other Card as a result of your use of the Program, including fees and penalties that may result from reversals. Any tax liability resulting from your participation in the Program shall be your sole responsibility, and not our responsibility or the responsibility of a MasterPass Online Merchant, Credit Union 1 or the financial institution that issued your MasterCard card or any other Card. Merchants or your issuing financial institution may report information regarding the Program and your participation in it to tax authorities. MasterPass Online Merchants and your issuing financial institution may not vary these terms as applied to the relationship between you and us and may not make any commitments that are binding on us.
MasterCard is a leading payment services organization. MasterCard is not a financial institution and does not issue credit, debit, check or payment cards of any type of nature. Your MasterCard-branded payment card relationship is with an issuing bank or financial institution. Any and all questions or issues regarding your MasterCard-branded payment card or cardholder account should be directed to the bank or financial institution that issued your card, and not to MasterCard. While MasterCard has a relationship with your issuing bank or financial institution, that relationship does not pertain to individual cardholders or payment card accounts.
Content and software from the Site may be subject to U.S. export jurisdiction and the import jurisdiction of other countries. In connection with your use of this Site, you are solely responsible for complying with all applicable export, re-export, and import control laws and regulations of all applicable jurisdictions, including, but not limited to, those of the U.S. Department of Commerce, Export Administration Regulations, 15 CFR Parts 730-774, the International Traffic in Arms Regulations, country-specific economic sanctions programs implemented by the Office of Foreign Assets Control and export and import control laws and regulations of any other countries. You may not, directly or indirectly, use, distribute, transfer or transmit content or software from this Site, whether by way of a direct product or of such materials or products, software, or other technical information into which content or software from this Site has been incorporated, except in compliance with all applicable export and import laws and regulations of all relevant jurisdictions.
Revised January 28, 2013.
How to Contact Credit Union 1 Member Service Center
Credit Union 1
Attn: Credit Union 1 Wallet
1941 Abbott Road
Anchorage, AK 99507
Phone: (907) 339-9485 or 800 478-2222