BBVA Compass net cash Online and Mobile Application Terms of Use

BBVA Compass net cash services allow customers to obtain certain banking services through the use of the net cash website (the “net cash Online Site”) or through the use of the net cash mobile application (the “net cash Mobile Application”) downloaded to a cell phone or other handheld mobile device, streaming device, or data-enabled device (a “Mobile Device”). In these BBVA Compass net cash Online and Mobile Application Terms of Use (“Terms of Use”), the “net cash Service” refers to any of the services or functionality provided via the net cash Online Site or the net cash Mobile Application, “you” and “your” refer to the net cash Service user who has been authorized by the Company to enroll in the net cash Service, the terms “BBVA Compass,” “Bank”, “we” and “us” refer to Compass Bank, and the term “Company” refers to the entity on whose behalf you have been authorized to enroll in and use the net cash Service. BBVA Compass may assign or delegate any or all of its rights and responsibilities under these Terms of Use to one or more independent contractors or other third party service providers, and any rights or responsibilities so assigned or delegated may be exercised or performed by either BBVA Compass or its service provider.

Your use of the net cash Service (whether through the net cash Online Site or through the net cash Mobile Application) constitutes your acceptance of these Terms of Use. Your use of the net cash Service will be governed by the Treasury Management Services Agreement, Account Agreement, where applicable, these Terms of Use, and all other terms and conditions in agreements governing the net cash Service we provide to the Company.

In order to access the net cash Service, you must have (i) proper authority from the Company’s corporate administrator to access the net cash Service and (ii) all information required to login, which will be described in the BBVA Compass net cash User Guide (“User Guide”).

Dispute Resolution

YOUR ATTENTION IS DRAWN TO THE ARBITRATION AND WAIVER OF JURY TRIAL PROVISIONS IN THE BBVA COMPASS TREASURY MANAGEMENT SERVICES AGREEMENT AND/OR DEPOSIT ACCOUNT AGREEMENT ("Account Agreement") BETWEEN BBVA COMPASS AND THE COMPANY, COPIES OF WHICH ARE AVAILABLE FROM BBVA COMPASS OR THE COMPANY. YOUR USE OF THENET CASH SERVICE CONSTITUTES YOUR AGREEMENT TO BE SUBJECT TO ANY DISPUTE RESOLUTION PROVISIONS IN THE ACCOUNT AGREEMENT GOVERNING TREASURY MANAGEMENT SERVICES AND THE NET CASH SERVICE. IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL

Net Cash Mobile Application

In order to access the net cash Service through the net cash Mobile Application, you must have a handheld device or streaming device that can send and receive information using the technology that supports the net cash Mobile Application (an “Eligible Mobile Device”), which BBVA Compass may update from time to time.  You agree to install and use the net cash Mobile Application only on an Eligible Mobile Device that you own or control, solely for your individual use and as expressly permitted herein. The technical standards required to access and use the net cash Service through the net cash Mobile Application vary among the types of Eligible Mobile Devices and telecommunications carriers that support the net cash Service and may be updated from time to time in the Bank’s discretion. You agree that BBVA Compass may, from time to time, require you to upgrade to the latest version of the Mobile Application in order to continue to access the net cash Service. 

We do not currently charge you any additional fee to register for, download or access the net cash Mobile Application. However, you may incur charges to receive internet, cellular or other data service on your Eligible Mobile Device. You may also incur charges from your telecommunications carrier when sending and receiving information in connection with your use of the net cash Mobile Application.

You agree that you will not use the net cash Mobile Application or any services related thereto while driving.

Security; Reporting Unauthorized Transactions

You are responsible for maintaining the security of your computer, Mobile Device, Authentication Token (defined below) and any passwords, usernames, questions with a matching answer, and/or other types of security techniques (“Security Codes”) you have created for the purpose of accessing the net cash Service. For certain transactions within the net cash Service, the Bank may require you to select or create additional Security Codes and/or use other security techniques that the Bank makes available to you. The Company may require that you receive a physical token or soft token via Mobile Device to receive authentication codes to verify requests, communications or other instructions within the net cash Service (“Authentication Token”).  You agree (i) to maintain the confidentiality and security of all the Security Codes; (ii) to safeguard the security of the Authentication Token; (iii) immediately to notify the Bank or your Company’s corporate administrator if the Authentication Token is lost so the Authentication Token can be disabled and the mobile device can be unregistered and/or (iv) maintain the confidentiality and security of the process to initiate any Security Code and any devices that may receive the same (including, but not limited to, computers, email accounts and cellular telephones).

You are responsible for all transactions you or any other person initiates or authorizes using your net cash Service account.  If you allow any person to register a fingerprint in your Mobile Device or otherwise obtain or use your computer, Mobile Device or Security Codes, you will have authorized that person to access your net cash accounts, and you agree that you are responsible for any transactions that person initiates or authorizes from your net cash accounts and will be bound by any agreements that person accepts or acknowledges electronically though the net cash Service.

Notify us at once if the phone number for your Mobile Device is changed or service to your Mobile Device is terminated, or if you believe that your Mobile Device or Authentication Token has been lost or destroyed, or if you believe that your Security Codes has been compromised, or that your computer, your Mobile Device, your Authentication Token, the net cash Service or any of your net cash accounts have been accessed or used without your authorization, or if any periodic statement shows a transaction on a net cash account that you did not make, including any unauthorized transaction made via the net cash Mobile Application. Call us at: 1-800-607-4444, send an e-mail to EastBRSClientServices@bbvacompass.com or write to us at:

BBVA Compass
BRS East Region, Mail Code: AL-BI-SC-TMO
Birmingham Service Center
701 South 32nd Street
Birmingham, AL 35233-3515

Sharing of Data 

Although you are able to share reports, statement(s), images and other information (“Content”) from your computer or Mobile Device, you understand that these messages and communications may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure these transmissions while others have not which could affect the privacy and integrity of the Content you send.  You agree that BBVA Compass is not responsible for the security or privacy of the Content shared by you through your computer or Mobile Device.  You further agree that BBVA Compass is not liable for any damages that incur as a result of any Content that is shared by you through your computer or Mobile Device.

Grant of License; Intellectual Property Rights

You are granted a limited, nonexclusive, non-transferable, limited term, royalty-free, revocable sublicense to use the net cash Service and the software creating, maintaining and supporting the net cash Service (including the net cash Mobile Application, the “Software”) and the printed, digital or electronic user materials provided in connection therewith (the “Documentation”) solely to conduct transactions in connection with the net cash Service, for Company’s internal business purposes only.  Except as specifically provided herein, BBVA Compass does not grant to you any other right or license, express or implied. You may not sublicense, sell, lease, distribute or provide access to the net cash Service, the Software or Documentation to any third parties, nor use the Software or Documentation in a service bureau, time-sharing or other similar arrangement, nor make any other use of the Software or Documentation that is not expressly permitted hereunder. BBVA Compass, BBVA Group or a third party are the exclusive owners of and shall retain all right, title and interest in and to the net cash Service, the Software, the Documentation and the Intellectual Property Rights (as defined herein).

You acknowledge that BBVA Compass and the other Providers (defined below) shall retain all rights, title and interests in and to the net cash Service, the Software (including, without limitation, the source code, listings, magnetic and digital media and any support materials related thereto) and Documentation, as well as the ideas and concepts incorporated in those items, and all modifications, improvements and enhancements thereof and additions thereto, including ownership of all trade secrets, copyrights and other associated proprietary and intellectual property rights pertaining thereto (collectively, the “Intellectual Property Rights”), except as granted hereunder. You shall not take any action that is inconsistent with the Intellectual Property Rights of BBVA Compass or any Provider, nor shall you take any actions or engage in any conduct that violates the Intellectual Property Rights of BBVA Compass or any other Provider.

The Software and Documentation include trade secrets and other proprietary information of BBVA Compass and its suppliers, licensors, service providers and vendors and are confidential property of such person(s) or legal entity(ies). You shall treat as confidential and shall not disclose or otherwise make available the Software, the Documentation (collectively, the “Confidential Information”), in any form, to any person other than Company’s employees who have a need to know such Confidential Information. You agree that you shall not attempt to nor shall you reverse engineer, disassemble, decompile or otherwise attempt to derive source code from Confidential Information, make the Confidential Information available to any third parties, modify, adapt, translate or create derivative works based upon such Confidential Information, or permit or authorize any third party to do any of the foregoing.

Limitations of Liability and Exclusions of Warranties

Notwithstanding any other provision of these Terms of Use or any other agreement between BBVA Compass and you or the Company, neither BBVA Compass nor any of its suppliers, licensors, service providers or vendors (collectively, including BBVA Compass, the “Providers”) shall have any liability for any liabilities, losses, damages, claims, judgments, costs or expenses (collectively, “Damages”) that you assert or sustain as a result of your use of the net cash Service or an account becoming ineligible for the net cash Service.

Notwithstanding any other provision of these Terms of Use, no Provider shall have any responsibility for Damages arising, directly or indirectly, from any error, delay or failure to perform any obligation hereunder which is caused by fire, natural disaster, strike, civil unrest, any inoperable communications facilities or any other circumstance beyond the reasonable control of BBVA Compass or such other Provider. In no event shall any Provider be liable to you, the Company or any third party for any indirect, consequential, special, punitive or exemplary damages.

EXCEPT AS EXPRESSLY PROVIDED HEREIN, THE SERVICE, THE SOFTWARE AND THE DOCUMENTATION ARE PROVIDED FOR YOUR AND THE COMPANY’S USE “AS IS” AND “WHERE IS”, AND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BBVA COMPASS AND THE OTHER PROVIDERS MAKE NO REPRESENTATIONS OR WARRANTIES AND DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, WITH REGARD TO THE SERVICE, THE SOFTWARE OR THE DOCUMENTATION, OR USE OF THE SERVICE BY YOU OR THE COMPANY, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY AND NON-INFRINGEMENT. BBVA COMPASS DOES NOT WARRANT THAT THE OPERATION OF THE SERVICE OR SOFTWARE WILL BE UNINTERRUPTED, ERROR-FREE OR FREE FROM ANY OTHER PROGRAM LIMITATIONS. BBVA COMPASS DOES NOT MAKE ANY REPRESENTATION REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICE, THE SOFTWARE OR THE DOCUMENTATION IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE.  YOU ACKNOWLEDGE THAT YOU MUST OBTAIN ALL EQUIPMENT AND OBTAIN AND MAINTAIN SERVICE THROUGH AN INTERNET SERVICE PROVIDER (“ISP”) SUITABLE TO ACCESS THE SERVICE AND YOU AND/OR THE COMPANY IS SOLELY RESPONSIBLE FOR ALL FEES, COSTS AND CHARGES ASSOCIATED WITH AND MAINTENANCE OF SUCH EQUIPMENT OR SERVICE. YOU ACKNOWLEDGE THAT YOUR OR THE COMPANY’S ISP MAY HAVE UNINTENDED EFFECTS ON YOUR OR THE COMPANY’S USE OF THE SERVICE AND THE ABILITY TO CONDUCT OR TRANSACT ONLINE SERVICES (INCLUDING, WITHOUT LIMITATION, YOUR ABILITY TO ACCESS THE SERVICE), AND THAT BBVA COMPASS SHALL HAVE NO RESPONSIBILITY FOR SUCH EFFECTS.  YOU ACKNOWLEDGE THAT THE SOFTWARE MUST INTERFACE WITH BBVA COMPASS’ COMPUTERS, AND ASSUME THE RISK THAT BBVA COMPASS’ COMPUTERS MIGHT NOT BE OPERATIONAL OR COMPATIBLE AT ALL TIMES. YOU FURTHER ACKNOWLEDGES THAT BBVA COMPASS SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR THE SATISFACTORY PERFORMANCE OF YOUR OR THE COMPANY’S HARDWARE AND SOFTWARE USED TO INITIATE OR RECEIVE COMMUNICATIONS OVER THE INTERNET. YOU ALSO ACKNOWLEDGE THAT ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU AND THE COMPANY WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR OR THE COMPANY’S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

It is solely your responsibility to (i) obtain an encrypted browser capable of a sufficiently high level of encryption to meet the systems requirements we establish from time to time and (ii) download and install any Mobile Application that is identified on the BBVA Compass website as required in order to access the net cash Service through your Eligible Mobile Device. BBVA Compass has no responsibility to notify you of any changes to or new releases for any required net cash Mobile Application.

You acknowledge that from time to time, the net cash Service may be delayed, interrupted or unavailable for an indeterminate period of time. BBVA Compass and its affiliates shall not be liable for any claim arising from or related to the net cash Service arising from any such delay, interruption or unavailability.

In no event will BBVA Compass or its affiliates be liable for indirect, consequential or special damages, including lost profits, arising from or related to the net cash Service, even if such damages were reasonably foreseeable and notice was given regarding them. These limitations will apply to all causes of action, whether arising from breach of contract, tort (including negligence) or any other legal theory. BBVA Compass disclaims all warranties with respect to the use of the net cash Service or any net cash Mobile Application, whether express, implied or statutory, including without limitation implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, timeliness, and non-infringement of third party rights. You release BBVA Compass, its service providers, and its affiliates from all claims and damages that may arise from or relate to your use of the net cash Service or any net cash Mobile Applications.  All rights not expressly granted to you herein are reserved by us.  If you use and/or access the net cash Mobile Application on or from an Android device which you or someone else rooted or on or from an iOS device which you or someone else jail broke, BBVA Compass shall not be responsible for the security of your data, and you shall bear all responsibility for any breach, illegal access, loss and/or corruption of such data.

By identifying a Mobile Device for use with the net cash Service, BBVA Compass does not recommend, endorse or make any representation or warranty of any kind regarding the performance or operation of such device. You are responsible for the selection of an Eligible Mobile Device and for all issues relating to the operation, performance, and costs associated with such device with your telecommunications carrier or internet service provider.

BBVA Compass and its service providers have no obligation to correct any bugs, defects or errors in the net cash Service or any net cash Mobile Applications, or to otherwise support, maintain, improve, modify, upgrade or enhance the net cash Service or any net cash Mobile Applications. Subject to applicable law or regulations, BBVA Compass may terminate your use of the net cash Service and expand, reduce or suspend the type and/or dollar amounts of transactions allowed using the net cash Service, change the enrollment process, and/or change the transaction limits associated with the net cash Service at any time in its sole discretion without prior notice.

Data Collection

You acknowledge and agree that BBVA Compass may, in accordance with the BBVA Compass Treasury Solutions Privacy Policy, collect, transmit, store, and use technical, location, and login or other personal data and related information, including but not limited to technical information about your device, system and application software, and peripherals, and information regarding your location, that is gathered periodically to facilitate the provision of updates to the net cash Service and product support, for security reasons, for marketing purposes, and for other service to you (if any) related to, or in connection with, the net cash Service.

Prohibited Uses

You assume all risk associated with the use of the net cash Service, including the use of any net cash Mobile Application. You agree that you will not use the net cash Service or any services related thereto for any purposes prohibited by United States law; and shall not use or otherwise export or re-export the net cash Mobile Application(s), except as authorized by United States law and the laws of the jurisdiction in which the net cash Mobile Application(s) was obtained. You hereby represent and warrant (i) you are not located in a country that is subject to a U.S. Government embargo, or has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Alerts

The Bank or the Company’s corporate administrator may permit you to use the net cash Service to request and receive from the Bank any of the alerts made available through the net cash Service by making alert selections through the net cash Online Site or within the Mobile Application. The Bank may add new alerts or discontinue existing alerts at any time. According to your alert selections, alerts may be sent via phone, fax, e-mail, wireless device text, in-app notifications, push notifications, or via a combination of these delivery channels.  We may also deliver Security Codes to you via automated voice call or text message to the phone number you register with us. Message and data rates may apply from your telecommunications provider, and you are responsible for any such charges.

It is solely your responsibility to ensure that the email address and mobile number you provide to the Bank are current and accurate.  By registering a mobile phone number through the enrollment process, you are certifying that you are the account holder for the mobile phone account or have the account holder's permission to register the number. If information from your wireless carrier indicates to us that the mobile number you have provided has been changed, changed networks, or is no longer registered to you, we may automatically stop delivery of any alerts to that number. In that event, you must update your mobile number with us before alerts can be delivered to a mobile number again. Should you wish to receive alerts to your mobile phone number after opting out of the alerts service, you must opt-in your mobile number before alerts can be delivered to a mobile number again. Your failure to maintain current and accurate contact information with us will prevent delivery of alerts through the net cash Service, for which the Bank expressly disclaims any liability.

Your receipt of any alert may be delayed or prevented by your internet service provider, telecommunications provider, or other third parties. The Bank does not guarantee either the delivery or the accuracy of the contents of any alert. The Bank will not be liable for damages of any kind arising from non-delivery or delayed delivery of an alert, the location to which an alert is delivered, inaccurate content in an alert, or your use of or reliance on the contents of any alert for any purposes. Because the balance of some net cash accounts is subject to change at any time, the information provided in any alert may become quickly outdated. Alerts are not encrypted. You acknowledge that, although the Bank may show less than the full account number for any of your net cash accounts in an alert, the alert may include some information about your net cash accounts. Depending on where you instruct us to send your alerts, anyone with access to your email or Eligible Mobile Device may be able to view the contents of these alerts. If you request through this Service to be notified when an account is closed, you acknowledge and agree that we may deliver that alert to you after your account is closed. In the event you request that we close your net cash Service, you acknowledge and agree that we may continue to send you alerts for a reasonable time thereafter until the closure process is completed.

Changes to Net Cash Service

These Terms of Use are subject to change from time to time. For example, we may add, delete or amend terms or services. Changes may be made immediately and without prior notice to you except when notice is required by applicable law. When notice is required by law, we may provide notice to you as provided below. We reserve the right, in our sole discretion, to change, modify, add, or remove portions from the net cash Service. Any change will begin to apply upon the effective date of the change, and will apply only to your future use of the net cash Service. Your continued use of the net cash Service will indicate your acceptance of any such changes to the net cash Service. BBVA Compass reserves the right to terminate your access to the net cash Service or any portion of it in its sole discretion, without notice and without limitation, except as may be required by law.

Notice

Unless otherwise required by law, we may provide notice to you either by mail or electronically, including via email or via the net cash Online Site or net cash Mobile Application. If we choose to provide notice to you by mail, we may mail it separately or with other information to any address on our records for you. You accept responsibility to maintain current and accurate contact information on file with us.

Consent to Calls

When you give a telephone number directly to us, you consent and authorize us to place non-telemarketing telephone calls to you at that number, regarding any and all accounts or services you have with us. You understand that such telephone "calls" include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. By agreeing to receive text messages from us, you are also consenting to receive a final opt-out confirmation text message if and when you choose to opt out of a text message service we provide to you. This express consent applies to each telephone number that you provide to us now or in the future. Calls and messages may incur charges from your communications provider. You consent and authorize us to monitor, and to record, telephone conversations and other electronic communications you have with us and with our representatives for reasonable business purposes, including security and quality assurance. We will not remind you that we may be monitoring or recording a call at the outset of the call unless required by law to do so.

Governing Law

The validity, construction and enforcement of these Terms of Use shall be governed by the laws of the State of Alabama, without regard to its conflicts of laws, and by applicable federal laws and regulations.

 

BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC.
Rev. 12/2017