Common use of Receiving Payments Clause in Contracts

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Request, if applicable) using the People Pay Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Request may not receive, or otherwise may reject or ignore, your People Pay Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Request, if applicable) using the People Pay Person to Person Service to an Eligible Transaction Account account you hold or, or as applicable, if you as a Requestor want to initiate a People Pay Person to Person Request, he, /she or you can do that from the Site or from an Eligible Transaction Account account at a financial institution that participates in the People Pay Person to Person Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Accountaccount, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Accountaccount. You authorize the Sender, the financial institution which holds the SenderServicer's Eligible Transaction Account account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, and as a Receiver, you may also receive People Pay Requests, each as applicable, Person to Person Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Person to Person Request may not receive, or otherwise may reject or ignore, your People Pay Person to Person Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Person to Person Request. There are limits on the amount of money you can send or receive through our Service. Your limits may be adjusted from time-to-time at our sole discretion. We also reserve the right to select the method in which to remit funds on your behalf, and the method to return funds to you in the event that your account is closed or otherwise unavailable to us. These payment methods may include, but may not be limited to, an electronic or paper check payment.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay ServicePopmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay Requests, each as applicable, Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.. 5. Payment Cancellation, Stop Payment Requests and Refused Payments. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver’s Eligible Transaction Account has begun. Popmoney Instant Payments Payment Instructions may not be cancelled as the Payment Instructions will be processed immediately. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver’s Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer care. If we charge you to stop the payment or recover funds, then the charge for each stop payment or fund recovery request will be the current charge as set out in our current fee schedule. Payments not claimed by a Receiver will be automatically cancelled ten (10) days after the processing of the payment begins. When a Sender initiates a Payment Instruction, the Receiver is not required to accept the payment. You agree that you as a Sender will not hold us

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Request, if applicablePopmoney Request or otherwise) using the People Pay Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay ServicePopmoney service or at the Site. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site Site, (a) the applicable service fee will be deducted from payments received by the you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand Payment Methods and agree that there Amounts. There are limits on the amount of money or gift card value you can send or receive through our Service. Your limits may be a delay between adjusted from time-to-time at our sole discretion. You may log in to the time you are notified of Site to view your individual transaction limits. We also reserve the pending Payment Instruction right to select the method in which to remit funds on your behalf, and the deposit of method to return funds to you in the payment funds into event that your Eligible Transaction AccountAccount is closed or otherwise unavailable to us. These payment methods may include, but may not be limited to, an electronic or paper check payment. Payment Cancellation, Stop Payment Requests and you Refused Payments. Sender may be required to take additional steps to facilitate cancel the deposit initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the payment of funds Payment Instruction into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the SenderReceiver's Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and us whether the Payment Instruction to the Receiver's Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (including 14) days after contacting customer care. The charge for each stop payment or fund recovery request will be the current charge for such stop payment or funds recovery service as set out in the applicable fee schedule or as disclosed through the Site. Payments not claimed by a Receiver will be automatically cancelled ten (10) days after the processing of the payment begins. When a Sender initiates a Payment Instruction, the Receiver is not required to send emails to accept the payment. You agree that you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a ReceiverSender will not hold us Your Liability For Unauthorized Transfers. Immediately following your discovery of an unauthorized Payment Instruction, you may also receive People Pay Requestsshall communicate with customer care for the Service in the manner set forth in section 7, each as applicable, from others through the Serviceabove. You acknowledge and agree that time is of the essence such situations. If you tell us within two (2) Business Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may in our sole discretion extend the period. Mobile Phone Users. Your phone service provider is not the provider of the Service. Users of the Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the event that funds are transferred into of theft or loss, your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to youconfidential information could be compromised. If applicableyou have questions about mobile service, if you as a Requestor initiate a People Pay Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you may send a People Pay Request may not receivetext message with the word "HELP" to this number: 767666. To stop receiving text messages on your mobile phone, or otherwise may reject or ignore, your People Pay Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Requesttext "STOP" to this number: 767666.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay gift cards or Popmoney Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by the you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.

Receiving Payments. If another person wants to initiate send you a Payment Instruction payment transaction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction Account you hold orwith us, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, he or she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay ServicePopmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction payment transaction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions payment transactions to you, and, as a ReceiverRecipient, you may also receive People Pay Requests, each as applicable, Popmoney Requests from others through the Popmoney Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney Request using the Popmoney Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Popmoney Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service and makes available the purchase of gift cards through the Popmoney Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay gift cards or Popmoney Requests, each as applicable, from others through the Popmoney Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because there were not sufficient funds in the senderSender's account, or for any other reason, then you hereby authorize us or our Popmoney Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney Request using the Popmoney Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's ’s Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's ’s initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay gift cards or Popmoney Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's ’s account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.

Receiving Payments. a. If another person wants to initiate a Payment Instruction (including in response to a People Pay Request, if applicableP2P/A2A Request or otherwise) using the People Pay Service to an Eligible Transaction FI Account you I hold or, as applicable, if you I as a Requestor want to initiate a People Pay P2P/A2A Request, he, she or you I can do that from the Site or from an Eligible Transaction FI Account at a financial institution that participates in the People Pay Service. You P2P/A2A service or at the Site. b. I understand and agree that there may be a delay between the time you are I am notified of the pending Payment Instruction and the deposit of the payment funds into your my Eligible Transaction FI Account, and you I may be required to take additional steps to facilitate the deposit of the payment of funds into your my Eligible Transaction FI Account. You I authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account account and us DFCU (including through the Site) to send emails to you me and text messages to your my mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay Requests, each as applicable, from others through the Service. You me. c. I acknowledge and agree that in the event that funds are transferred into your my Eligible Transaction FI Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because there were not sufficient funds in the senderSender's account, or for any other reason, then you I hereby authorize us or our Service Provider DFCU to withdraw from your my Eligible Transaction FI Account an amount equal to the amount of funds improperly transferred to you. me. d. If applicable, if you I as a Requestor initiate a People Pay Request P2P/A2A transfer request using the Service you I acknowledge and agree that as disclosed on the Site that, (a) the applicable service fee will be deducted from payments received by you me from a Sender(s), and (b) no service fee will be charged if you I as the Requestor do not receive any payments from the individuals to whom the People Pay P2P/A2A Request is sent. Further details about the foregoing can be found on the Site. You I acknowledge and agree that individuals to whom you I send a People Pay P2P/A2A Request may not receive, or otherwise may reject or ignore, your People Pay my P2P/A2A Request. We do DFCU does not guarantee that you I will receive any payments from individuals by initiating a People Pay P2P/A2A Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney® Request, if applicable) using the People Pay Popmoney® Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney® Request, he, she she, or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Popmoney® Service or at the Popmoney® Website. Or, as applicable, if another person wants to send you a gift card using the Popmoney® Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Popmoney® Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay gift cards or Popmoney® Requests, each as applicable, from others through the Popmoney® Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney® Request using the Popmoney® Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney® Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney® Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney® Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney® Request. 3.5. Payment Cancellation, Stop Payment Requests, and Refused Payments. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver’s Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver’s Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer care. The charge for each stop payment or fund recovery request will be the current charge for such stop payment or funds recovery service as set out in the applicable fee schedule or as disclosed through the Site. Payments not claimed by a Receiver will be automatically cancelled ten (10) days after the processing of the payment begins. When a Sender initiates a Payment Instruction, the Receiver is not required to accept the payment. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver’s decision to accept or not to accept a Payment Instruction initiated or attempted through the Popmoney® Service. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor Requester want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay gift cards or Popmoney Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor Requester initiate a People Pay Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor Requester do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a People Pay Popmoney Request, if applicable) using the People Pay Popmoney Service to an Eligible Transaction UNFCU Account you hold or, as applicable, if you as a Requestor want to initiate a People Pay Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the People Pay Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction UNFCU Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction UNFCU Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive People Pay gift cards or Popmoney Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction UNFCU Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction UNFCU Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a People Pay Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the People Pay Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a People Pay Popmoney Request may not receive, or otherwise may reject or ignore, your People Pay Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a People Pay Popmoney Request.