Common use of Suspicious Activity Clause in Contracts

Suspicious Activity. The Credit Union is committed to keeping my financial transactions as secure as possible. You use a credit card fraud detection system designed using neural network technology that tracks my credit card purchase patterns. The system analyzes authorization requests for my Card in real time and compares them to my purchase history as well as current fraud trends. If you detect unusual transaction patterns, you can take action to reduce the potential for fraud, including but not limited to suspending credit privileges. As my profile and transactions change over time, the system updates its files. You reserve the right to identify Transactions as unauthorized or fraudulent and subsequently to decline those Transactions. You are not responsible for any loss or damage arising out of any declined Transaction. MERCHANT FEES: Some merchants, including merchants outside the U.S., may charge me a fee to use my Card for a Purchase. The fee may be either a percentage of the amount of my Purchase or a flat fee, and will be added to the amount of my Purchase. Usually, a merchant will tell me about this fee before I use my Card, but not always. You do not control these fees and cannot prevent them.