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Navy Federal Visa® Buxx Prepaid Card Web Site Terms and Conditions

Card Terms and Conditions

The following disclosures set forth your and our rights and responsibilities concerning your Navy Federal Visa Buxx Card. These Terms and Conditions are governed by Virginia law. In this Agreement, the word "Card" means Navy Federal Visa Buxx Card(s) issued by Navy Federal Credit Union, which maintains your Navy Federal Visa Buxx Card. “Funding Account” means your Navy Federal Credit Union issued Visa Check Card or Visa Credit Card or MasterCard Credit Card. "Parent" means either the parent or legal guardian of the student who is a Navy Federal Credit Union member. "Student" means a child of the Parent who is at least 10 years of age, who is authorized by the Parent to use the Card. By authorizing the student to use the Card, the Parent represents that such student is at least 10 years of age. Any use of the Card by anyone other than the Parent or student is an unauthorized use of the Card. Granting use of this card to someone else will make you financially liable for the transactions. You, not Navy Federal Credit Union, have sole responsibility in such cases. The words "you", "your" and "yours" in this Agreement mean the Parent, student, or anyone authorized to use or accept a Navy Federal Visa Buxx Card. " Family and Friend(s)" means a person who is a Navy Federal Credit Union member that the Parent authorizes to fund the Card. The words "we", "us", and "our" mean Navy Federal Credit Union. The Card is not an account, does not earn dividends, and is not federally insured by the National Credit Union Administration.


Agreement; Amendments

We agree to maintain the Card for you and to perform according to this Agreement. By signing, activating, accepting, using or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment, and further agree that this Agreement is binding on your successors, representatives and assigns. The Card is our property, and we reserve the right to cancel or revoke its use at any time without prior notice, subject to applicable law.


E-Consent Agreement

The parent will receive a monthly statement for the Visa Buxx Card. A monthly statement will be sent to the student, if an email address is provided. By clicking "Accept" during the enrollment, you indicate your consent to receive monthly statements electronically and that you can access these statements in an electronic form. Statements will describe each transaction made using the Visa Buxx Card during the statement period. You also consent to receive all terms and conditions for all features of this Card, and any future updates electronically.  You may print your statement and the terms and conditions for your reference. You must notify us immediately of any change in your email address by updating your profile.


Cardholder Signature

Upon receipt of your new or reissued Navy Federal Visa Buxx Card, immediately sign the signature panel on the back of the card.


Using Your Card

Before using your new Navy Federal Visa Buxx Card, you must first activate your Card either online at navyfederal.org/visabuxxcard/ or by phone at 1-866-304-1909.  At the time of activation, you will be required to select a four-digit Personal Identification Number (“PIN”).  You may use your Card as often as you like to obtain goods and services up to the value of the Card. Each time you use the Card, the amount of the transaction will be debited from the remaining value on the Card. You are not allowed to exceed the funded balance available on the Card by any individual or series of purchases. If you make purchases that exceed the available balance on the Card, you shall remain fully responsible for the amount of the purchases approved or the cash withdrawn. You may check your balance by visiting navyfederal.org/visabuxxcard/. When purchasing gas, we recommend going inside the gas station and using your card to pay the exact amount prior to pumping the gas. If you use your card at the automated pump and have a balance greater than $50, a HOLD of $50 could be placed on your card even if you pump less than $50. If you have a balance less than $50, a hold could be placed on your entire remaining available balance or your transaction could be declined.  Funds placed on hold will be unavailable for up to three days. You can avoid a HOLD being placed on your card by going inside and using your card to pay the exact amount prior to pumping the gas. It is your responsibility to comply with all laws when using your Navy Federal Visa Buxx Card. You agree to hold us harmless for any damages or other liability arising from transactions initiated by you for the purpose of conducting illegal activity. The card cannot be used if the card is cancelled or used for gambling. You cannot place a "stop payment" on any Card transaction after it has been authorized. We reserve the right to decline authorization of transactions for activities we believe may violate law or pose significant risk to us or our members. The parent and student may choose to opt-in to receive text messages that will update you on your card activity, under your Profile. Please note that message and data rates may apply. You may change your text message options or opt-out at any time by editing your Profile or by texting “STOP” to 868472 or 288472.  For additional assistance, contact customer service at 1-866-304-1909.


Transactions and Limits

Transactions

Your Navy Federal Visa Buxx Card may be used to:

Limits

When a parent orders a Navy Federal Visa Buxx Card for the first time, the minimum card value is $20.00 and the maximum card value is $500.00. After the student receives the Card, the minimum reload value is $20.00 and the maximum reload value is $1,000.00. The standard daily transaction limit for purchases is $1,500.00. The maximum Card value is $2,000.00. If the Card has $2,000.00 available for purchases or cash withdrawals, additional amounts may not be loaded onto the Card. The maximum amount allowable for cash withdrawals from automated teller machines (“ATMs”), cash back from participating merchants, and cash advances from Financial Institutions that accept Visa debit cards is limited to $500.00 per a seven day period. The Parent may elect to not allow cash withdrawals on your student's Card and you may designate a withdrawal limit less than the maximum allowed.


Automatic Teller Machine (ATM) Usage

The parent can choose whether to allow cash access. The parent can choose this during the card enrollment or anytime online at navyfederal.org/visabuxxcard/. There is no fee for using your Card at a Navy Federal ATM, CO-OP Network, Money Pass, Walgreens (in California), or Cashpoints ATMs. If you use your Card for a balance inquiry or to withdraw cash at other domestic or foreign ATMs, including those displaying the Visa/PLUS logos, we will charge a $1.00 fee plus the terminal owner may charge additional fees and “surcharges” for ATM transactions.

You agree to accept responsibility for safeguarding the Card and/or for protecting the integrity of your PIN, in order to prevent unauthorized transactions. You also agree that Navy Federal may invalidate your Card or PIN if unauthorized transactions occur as the apparent result of your negligence in safeguarding the card or PIN.

Granting use of the Card to another person will make you financially liable for loss or misuse of the card until reported. Notify us at once at 1-866-304-1909 if you believe you’re Card or PIN has been lost, stolen, or used (or may be used) without your authority.


Unauthorized Use of your PIN at Automated Teller Machine (ATM)

If you notify us at 1-866-304-1909 within two (2) business days of the loss, theft, unauthorized use or potential unauthorized use, you can lose no more than $50 if someone uses your Card and PIN at an ATM without your permission.

If you do not tell us within two (2) business days, but we can prove we could have stopped someone from using your Card and PIN at an ATM without your permission if you had told us, you could lose the entire balance on the Card.  If your on-line statement shows any unauthorized ATM transaction(s), advise us at once. If you do not tell us within 60 days after viewing the statement, you may not get back any money you lost after the 60 days, provided we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.  We will provisionally credit your card for the unauthorized transactions within ten (10) business days.


Reloading Your Card

You or approved family and friends may load value up to 5 times in one month onto the Card using a Navy Federal Visa Check Card or credit card. Upon authorization, this will cause monies to be funded onto the Card and be available for use immediately. You may load funds to your Card through any Visa ReadyLink participating retail location in accordance with the terms of this Agreement. Some retailers may charge a fee to load value to the Card. You may refer to our FAQ’s at navyfederal.org/visabuxxcard/ for more information on using Visa ReadyLink. For questions concerning Visa ReadyLink transaction history, fees, or to communicate inquiries or disputes associated with Visa ReadyLink, please call 1-866-304-1909. Your Card is an eligible card to receive funds through Visa Money Transfer. However, you cannot initiate a Visa Money Transfer from your Card to another card.   


Card Expiration

Your Card is valid through the expiration ("Good Thru") date of three years shown on the Card. Any transaction attempted after the expiration date will be declined. We will mail a replacement Navy Federal Visa Buxx Card to the address on record two months prior to your card expiring.  Remember to always keep your personal information up to date.


Severability

In the event that one or more provisions of this Agreement shall for any reason be held invalid or illegal, such holding will not affect the enforceability of any other provision.


Charges and Fees

Charges and Fees
Inactive Fee (after 6 consecutive months of no transactions, the card will be charged $1.00 per month until the balance is depleted or you make another transaction) $1.00 per month
Visa/PLUS Network ATM domestic and foreign cash withdrawal and balance inquiry (The terminal owner may charge additional fees and “surcharges” for ATM transactions) $1.00 per transaction
Lost/Stolen or Replacement Fee $5.00
Express Delivery Fee $5.00
Visa ReadyLink (The retailer may assess a fee)  $0.00
Visa Money Transfer   $0.00
Text Messaging (Message and data rates may apply)  $0.00
Transactions made in foreign/international countries in foreign currency 1.0%
Transactions made in foreign/international countries in U.S. dollars 0.8%

All fees will be debited from the remaining Visa Buxx Card balance, except for the express delivery fee.


Foreign/International Transactions

Transactions made in foreign/international countries will reflect on your Navy Federal Visa Buxx Card in U.S. dollars. In addition, these foreign/international transactions will be charged a Visa International Service Assessment Fee. This fee will be identified separately from the transaction amount on your online statement as an International Transaction Fee. The fee will be assessed on Point of Sale and ATM transactions as follows:

Navy Federal’s Zero Liability Policy

Navy Federal’s Zero Liability policy means 100% protection for you.  Navy Federal’s enhanced policy guarantees maximum protection against fraud.  You have complete liability protection for all of your card purchase transactions that take place on the Visa system.  Should someone steal your card number while you are shopping, online or off, you pay nothing for their fraudulent activity.  The transactions not covered under the Navy Federal's Zero Liability policy are ATM and PIN transactions not processed by Visa.


UNAUTHORIZED PIN AND SIGNATURE PURCHASE TRANSACTIONS

Telephoning us through our processor at 1-866-304-1909 is the best way of keeping your possible losses to a minimum. You may also write us at the following address: Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. If you tell us within 2 business days after you discover the loss or theft of your Card, you will not be liable for any losses resulting from the use of your Card without your permission.
If you do not tell us within 2 business days after learning of the loss or theft, you may be liable if someone used your Card without your permission.


Cardholder Service

You can review your Card balance and transaction history 24 hours a day, 7 days a week by going online at navyfederal.org/visabuxxcard/. If you have any questions about the Card, you can contact us at 1-866-304-1909 or write to us at Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103.


Error Resolution Procedures

In case of errors or questions about transactions on the Card, telephone us at 1-866-304-1909 or write to us at: Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. We must hear from you no later than sixty (60) days after your transaction history was FIRST made available or you obtained the receipt on which the error or problem appeared. If you choose to notify us via telephone about any errors or questions, we will also require you to submit your concerns in writing.

You must provide the following information:

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, we will provisionally credit the Card within ten (10) business days for the amount you think is in error.

We will tell you the results within ten (10) business days after completing our investigation. If we decide that there was no error, we will reverse the provisional credit and send you a written explanation.


Disclosure of Information to Third Parties

We may disclose information to third parties about your Card or the transactions that you make: where it is necessary for completing the transaction; to verify the existence and condition of your Card for a third party; to comply with government agency or court orders; if you give us your consent; or as otherwise required by law.


Your Guide to Visa Buxx Benefits Package


Guide to Benefit describes the benefit in effect as of 06/20/13. This benefit and description supersedes any prior benefit and description you may have received earlier. Please read and retain for your records. Your eligibility is determined by the date Navy Federal Credit Union enrolled your card in the benefit.


Purchase Security


What is the effective date?

This benefit is effective for eligible purchases made as of the date of card enrollment through date of card expiration that is embossed on the card.


What is this Purchase Security benefit?

Subject to the Benefit Limits and within the first ninety (90) days of the date of purchase, Purchase Security will, at the Benefit Administrator’s discretion, replace, repair, or fully reimburse you for the amount debited from your Visa Buxx card for eligible items of personal property purchased with the Visa Buxx card in the event of theft, or damage caused by the Eligible Events.


What are the benefit limits?

Each claim is subject to the maximum of the amount debited from the card or five hundred dollars ($500.00), whichever is lower. The maximum benefits payable per calendar year is one thousand dollars ($1,000.00). Purchase Security is supplemental to, and excess of, any valid and collectible insurance and reimbursement from any other source.


Who is eligible for this benefit?

To be eligible for this benefit, you must be a cardholder of an eligible U.S.- issued Visa Buxx card. Only purchases made by the eligible cardholder will be covered.


What items are covered by Purchase Security?

Your eligible purchases are protected against damage due to the following Eligible Events:

What items are not covered?

Are gifts covered?

Yes, as long as you, the eligible cardholder, purchased the gift with your eligible Visa Buxx card and it meets the terms and conditions of the applicable benefit.


Are purchases made outside the U.S. covered?

Yes, as long as you, the eligible cardholder, purchased the item with your Visa Buxx card and the eligible item meets the terms and conditions of the benefit.


Do I need to register my purchases?

No. Your eligible purchases are automatically covered.


Do I need to keep copies of receipts or any other records?

Yes. If you want to file a claim, you will need copies of your Visa Buxx card receipt and your store receipt that clearly identifies that the eligible purchase was made using the Visa Buxx card.


How do I file a claim?

Call the Benefit Administrator at 1-800-553-4820 (or call collect 303-967-1096) within sixty (60) days of theft or damage. Please note: if you do not give such notice within sixty (60) days after the theft or damage your claim may be denied. The representative will ask you for some preliminary claim information and send you the appropriate claim form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of theft or damage.
Gift recipients of eligible items may also handle the claim process if you wish. However, the gift recipient must provide all of the documents necessary to fully substantiate the claim.


What documents do I need to submit with my claim?

All claims must be fully substantiated as to the time, place, cause, and amount of damage or theft. In most cases you will be asked to send in, at your expense, the damaged item to substantiate a claim. Retain the item in the event it is requested by the Benefit Administrator.


How will I be reimbursed?

Provided that the terms and conditions of the benefit have been met, and depending on the nature and circumstances of the incident, the Benefit Administrator, at its discretion, may choose to discharge your claim in either of two ways:

  1. The damaged item (whether wholly or in part) may be repaired, rebuilt, or replaced. The lost or stolen item may be replaced. If the item is to be repaired, rebuilt, or replaced, you usually will be notified of the decision within fifteen (15) days following receipt of the required proof of theft/damage documentation.
  2. You may be reimbursed for the amount debited from your eligible Visa Buxx card for the eligible item as recorded on your eligible Visa Buxx card receipt up to a maximum of five hundred dollars ($500.00) per claim occurrence, less shipping and handling charges, and one thousand dollars ($1,000.00) per year per eligible cardholder.*

Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents. In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will discharge the obligation under the benefit.


Do I have to file with my insurance company?

Yes, if you have insurance (e.g. business owner’s, homeowner’s, renter’s, or automobile) or if you are covered by your employer’s insurance, you are required to file a claim with your own insurance company and to submit a copy of any claim settlement from your insurance company along with your claim form. In some cases, where the claim amount is within your personal insurance deductible, a copy of your personal insurance policy declaration page may be sufficient at the option of the Benefit Administrator.*

*NOTE: Purchase Security is supplemental to, and excess of, any valid and collectible insurance and reimbursement from any other source. That means it does not duplicate, but pays in excess of, valid and collectible insurance or indemnity (including, but not limited to, homeowner’s, renters, automobile, or employer’s insurance policies). After all insurance or indemnity has been exhausted, Purchase Security will cover the theft or damage up to the amount charged to your eligible Visa Buxx card account and subject to the terms, exclusions, and limits of liability of the Benefit. Purchase Security will also pay for the outstanding deductible portion of your insurance or indemnity for eligible claims. The maximum limit of liability is five hundred dollars ($500.00) per claim and one thousand dollars ($1,000.00) per year per cardholder. You will receive no more than the purchase price as recorded on the eligible Visa Buxx card receipt. Where a protected item is part of a pair or a set, you will receive no more than the value (as described herein) of the particular part or parts, stolen or damaged, regardless of any special value that the item may have as part of such a pair or set, nor more than the proportionate part of an aggregate purchase price of such pair or set. Purchase Security is not “contributing” insurance, and this “non-contribution” provision shall take precedence over “non-contribution” provisions found in other insurance or indemnity descriptions, policies, or contracts.

Additional Provisions for Purchase Security: This protection provides benefits only to you the eligible Visa Buxx cardholder, and to whomever receives the eligible gifts you purchase with your eligible Visa Buxx card. The Benefit Administrator reserves the right to contact Navy Federal Credit Union to identify the cardholder as eligible for this benefit. This benefit is only provided to eligible purchases made by the Visa Buxx cardholder.

You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by this benefit. This provision will not be unreasonably applied to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each claimant agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this theft or damage will be transferred to the Benefit Administrator to the extent of the payment made to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies. No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. No legal action against us may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against us unless all the terms Guide to Benefit have been complied with fully.

This benefit is provided to eligible Visa Buxx cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts or statement messages. The benefit described in this Guide to Benefit will not apply to Visa Buxx cardholders whose Visa Buxx Card accounts have been suspended or canceled.

Termination dates may vary. Visa and/or Navy Federal Credit Union can cancel or non-renew the benefit for eligible Visa Buxx cardholders, and if we do, we will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa Buxx cardholder. It is insured by Indemnity Insurance Company of North America.

For general questions regarding the benefit, call the Benefit Administrator at 1-800-553-4820 or call collect at 303-967-1096.

FORM #VPS Reloadable_GP_2010

© 2006-2010, Visa. All Rights Reserved.


Roadside Dispatch

For roadside assistance, call 1-800-VISA-TOW (1-800-847-2869)


What is Roadside Dispatch?

Roadside Dispatch® is a pay-per-use roadside assistance program provided expressly for Visa Buxx cardholders. The program provides you with security and convenience wherever your travels take you. No membership required or pre-enrollment is required. No annual dues. No limit on usage.


For $59.95 per service call, the program provides:


Roadside Dispatch will ask you where you are, what the problem is, and while we remain on the phone we will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in an unsafe location we will advise you to hang up and dial 911. If you are not able to dial 911, we will call the non-emergency police number in your area, and will remain on the phone with you at your request until the police arrive.) Not only will you not have to search for the name of a local tow operator, we may even save you money because our rates are pre-negotiated. Pay the fee with your Visa Buxx or other Visa Card each time you use the service. 

Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership or pre-enrollment is required. Just call us toll free when you need us.

1-800-VISA-TOW

It’s that easy!

1 Rates apply to vehicles up to one ton gross vehicle weight only.
Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee.

2 Additional fees may apply for winching services under certain circumstances.
Note: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor its service providers shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor Navy Federal Credit Union provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. Services provided by United States Auto Club, Motoring Division, Inc. This program may be discontinued at any time without prior notice. Program void where prohibited.


© 2009-2010, Visa. All Rights Reserved.


Travel and Emergency Assistance Services


What are Travel and Emergency Assistance Services?

Help when you don’t know where to turn. You can count on a wide range of Visa emergency services available whenever and wherever you need them, 24 hours a day, 365 days a year.

We will make every reasonable effort to respond when you have an emergency—even if you need assistance beyond the services listed here. Please understand that, due to occasional problems such as distance, location, or time, neither Visa nor Navy Federal Credit Union can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other service.


Who is eligible for Travel and Emergency Assistance Services?

You, your spouse, and your children [provided the children are dependents under twenty-two (22) years old] may all take advantage of these special emergency services.


How do I get these services?

They’re as close as the nearest phone. You simply call the Benefit Administrator at 1-800-992-6029 any hour of the day or night. If you are outside the United States, call collect at 804-673-1675.


Is there a charge for these services?

No. Visa Travel and Emergency Assistance Services are available to eligible Visa Buxx cardholders at no additional charge.
Please note: Visa Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.


What are the specific services and what do they provide?

Visa Travel and Emergency Assistance Services will put you in touch with the appropriate emergency services should the need arise.
Here are some of the ways we can help:

Additional Provisions for Travel and Emergency Assistance Services: The benefit described in this Guide to Benefit will not apply to Visa Buxx cardholders whose card has been suspended or canceled. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages.

For general questions regarding this benefit, call the Benefit Administrator at 1-800-992-6029. If you are outside the United States, call collect at 804-673-1675.

Form #VTEAS-2010 (Stand 04/11)

© 2006-2010, Visa. All Rights Reserved.

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