Metropolitan Commercial Bank Privacy Policy Notice:Rev. 11/2020
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FACTS |
WHAT DOES METROPOLITAN COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? |
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Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
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What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include: |
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When you are no longer our customer, we continue to share your information as described in this notice. |
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How? |
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Metropolitan Commercial Bank chooses to share; and whether you can limit this sharing. |
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Reasons we can share your personal information |
Does Metropolitan Commercial Bank share? |
Can you limit this sharing? |
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For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes |
No |
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For our marketing purposes - to offer our products and services to you |
Yes |
No |
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For joint marketing with other financial companies |
Yes |
No |
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For our affiliates' everyday business purposes -Information about your transactions and experiences |
No |
We don't share |
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For our affiliates' everyday business purposes -Information about your creditworthiness |
No |
We don't share |
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For nonaffiliates to market to you |
No |
We don't share |
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Questions? |
Call 1-866-363-8226 or go to www.mcbankny.com |
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What We Do |
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How does Metropolitan Commercial Bank protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
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How does Metropolitan Commercial Bank collect my personal information? |
We collect your personal information, for example, when you |
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We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
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Why can't I limit all sharing? |
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
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Definitions |
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Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Non-affiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Other Important Information |
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For Alaska, Illinois, Maryland, and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. For California Customers . We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. Further, we may collect personally identifiable information about you through our website, including but not limited to your first and last name, home address, e-mail address, telephone number, or any other identifier that permits the physical or online contacting of a specific individual. If we change our privacy policy for our website, you will be notified as required by law. For Massachusetts, Mississippi, and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization. For Vermont Customers.
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The following E-Communication Disclosure (“Disclosure”) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your Card Account and any related products and services (“Communications”), to the extent you have consented to receiving such Communications electronically. If you have not consented and would like to receive Communications electronically from us, please visit us online at www.getjuicecard.com.
Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic Communications includes, but is not limited to:
Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided either (1) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (2) by posting such Communications on our website at
www.getjuicecard.com.
How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by contacting us at 855-687-2114 or visit the www.getjuicecard.com website or write to Juice Prepaid Mastercard, PO Box 315, New York, NY, 10018. If you do withdraw your consent, we will close your Card Account, except where prohibited by law. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your request for withdrawal. In the meantime, you will continue to receive Communications in electronic form. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.
How to Update Your Records. It is your responsibility to provide us with a true, accurate and complete e-mail address (if you have elected to receive e-mail messages from us), your contact information, and other information related to this Disclosure and your Card Account, and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through www.getjuicecard.com or by contacting us at 855-687-2114.
Hardware and Software Requirements. In order to access, view, and retain Communications that we make available to you electronically, you must have:
Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us by calling 855-687-2114 or writing to us at Juice Prepaid Mastercard, PO Box 315, New York, NY, 10018.
Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
Citizens Wallet Service Terms of Use
Effective Date: 9/XX/2025
These Citizens Wallet Service Terms of Use (“Terms”) supplement any other Agreement You may have in place with Praxell Inc. dba Juice Financial (“Juice”, “Us”, “We”, or “Our”) and/or your Insurance Company. These Terms are between the person or entity accepting them (“You” or “Your”) and Juice.
These Terms govern Your use of Our Citizens Wallet Service (“Wallet”). The Citizens Wallet Service is a service provided by Juice to You and it communicates Your payment options, payment information and other information about a distribution by an Insurance Company. The Insurance Company means the insurance company or other provider where these Terms were presented to You or as otherwise disclosed to You.
By using the Wallet, You agree to be bound by these Terms and other disclosures of Ours that You accept and comply with Your agreements with the Insurance Company and those of any third-party services that are integrated with the Wallet. If You do not agree, please discontinue use. You may contact Juice Financial for further information and guidance by calling 855-687-2100 or emailing Us at [email protected].
The agreements You have with the Insurance Company are separate from these Terms. If You have questions concerning the Insurance Company please contact them.
1. Eligibility
To use the Wallet, You must:
Violation of any eligibility condition may result in suspension or termination of Your access to Our services.
2. Use of the Citizens Wallet Service
The Wallet enables You to select Your preferred payout method which may include:
Information You supply to Us through the Wallet may result in the Insurance Company settling funds to You. We are not a bank, money transmitter, or provider of stored value for You. Instead, We are a data processor for You and We communicate information to, from and among You, the Insurance Company and Us concerning actual or potential payments to You.
We will rely on the accuracy of information that You enter into the Wallet. The Insurance Company will also rely on that information. If You enter incorrect or incomplete information, You might not receive Your payment and it might also go to someone else.
We do not promise that the Insurance Company owes You any specific amount. We do not guarantee that amounts paid to You are correct. All concerns over the amounts payable to You should be taken up with the Insurance Company directly.
The Citizens Wallet Service functionality may vary due to factors including but not limited to: region, device, or platform. By using the Wallet, You agree and understand third party applications may have their own terms, limitations and fees.
You agree not to use the Wallet for illegal or fraudulent purposes, or any other purposes that are prohibited by law or these Terms.
Juice reserves the right to change, suspend, or discontinue the Citizens Wallet Service or specific features at any time without notice.
3. Third-Party Services
The Wallet may contain third party content and links to third party websites that are not owned nor controlled by Juice nor the Insurance Company. Juice has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party content or websites or any of their contents. In addition, Juice will not and cannot censor or edit the content of any third-party site. By using the Wallet, You expressly relieve Juice from all liability arising from Your use of any third-party website. Depending on Your selected payout method, review the applicable terms for the third-party provider.
4. Your Data and Privacy
To verify Your identity, We may request and/or validate Your name, address, date of birth, Social Security number or other government-issued identification number, and other identifying information as required by applicable law. We also may require You to provide a government issued identity document.
Your use of the Wallet is subject to the Juice Financial Privacy Policy, which is incorporated by reference into these Terms.
5. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, JUICE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE CITIZENS WALLET SERVICE. JUICE MAKES NO WARRANTIES OR REPRESENTATIONS REGARDING THE ACCURACY OR COMPLETENESS OF THE CONTENT ON THE CITIZENS WALLET SERVICE OR THE CONTENT OF ANY SITES LINKED TO THE CITIZENS WALLET SERVICE. IN NO EVENT SHALL JUICE ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR CITIZENS WALLET SERVICE AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR OTHER INFORMATION STORED THEREIN, (III) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE CITIZENS WALLET SERVICE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE CITIZENS WALLET SERVICE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE CITIZENS WALLET SERVICE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. YOU SPECIFICALLY ACKNOWLEDGE THAT JUICE SHALL NOT BE LIABLE FOR USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU. JUICE DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY, INCLUDING AN INSURANCE COMPANY, ACCESSIBLE THROUGH OR INTEGRATED WITH THE CITIZENS WALLET SERVICE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND JUICE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. THOSE WHO ACCESS OR USE THE CITIZENS WALLET SERVICE FROM JURISDICTIONS PROHIBITING SUCH USE, DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.
6. Indemnification
You agree to defend, indemnify and hold harmless Juice, its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt and expenses (including but not limited to attorney’s fees) arising from: (i) Your use of and access to the Wallet; (ii) Your violation of any term of these Terms; (iii) Your violation of any third party right, including without limitation any copyright, property, or privacy right; (iv) any claim that Your user content caused damage to a third party; and (v) any dispute between You and an Insurance Company or any other third party. This defense and indemnification obligation will survive these Terms and Your use of the Wallet.
7. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of New York. Any disputes shall be resolved exclusively in the courts located in New York.
8. Changes to the Terms
Juice may update these Terms at any time by updating them on its website or the portal through which You access them. Your continued use of the Wallet following such updates constitutes Your acceptance. It is Your responsibility to review these modified Terms periodically.
9. Termination
Either party may terminate these Terms at any time. Upon termination, You must immediately cease using the Citizens Wallet Service. Sections 5 (Limitation of Liability), 6 (Indemnification), and 7 (Governing Law and Jurisdiction) shall survive any termination of these Terms.
10. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.
11. Contact
If You have any questions concerning the Citizens Wallet Service, please call Us at 855-687-2100 or email us at [email protected].
Citizens Wallet Service Terms of Use
Effective Date: 9/XX/2025
These Citizens Wallet Service Terms of Use (“Terms”) supplement any other Agreement You may have in place with Praxell Inc. dba Juice Financial (“Juice”, “Us”, “We”, or “Our”) and/or your Insurance Company. These Terms are between the person or entity accepting them (“You” or “Your”) and Juice.
These Terms govern Your use of Our Citizens Wallet Service (“Wallet”). The Citizens Wallet Service is a service provided by Juice to You and it communicates Your payment options, payment information and other information about a distribution by an Insurance Company. The Insurance Company means the insurance company or other provider where these Terms were presented to You or as otherwise disclosed to You.
By using the Wallet, You agree to be bound by these Terms and other disclosures of Ours that You accept and comply with Your agreements with the Insurance Company and those of any third-party services that are integrated with the Wallet. If You do not agree, please discontinue use. You may contact Juice Financial for further information and guidance by calling 855-687-2100 or emailing Us at [email protected].
The agreements You have with the Insurance Company are separate from these Terms. If You have questions concerning the Insurance Company please contact them.
1. Eligibility
To use the Wallet, You must:
Violation of any eligibility condition may result in suspension or termination of Your access to Our services.
2. Use of the Citizens Wallet Service
The Wallet enables You to select Your preferred payout method which may include:
Information You supply to Us through the Wallet may result in the Insurance Company settling funds to You. We are not a bank, money transmitter, or provider of stored value for You. Instead, We are a data processor for You and We communicate information to, from and among You, the Insurance Company and Us concerning actual or potential payments to You.
We will rely on the accuracy of information that You enter into the Wallet. The Insurance Company will also rely on that information. If You enter incorrect or incomplete information, You might not receive Your payment and it might also go to someone else.
We do not promise that the Insurance Company owes You any specific amount. We do not guarantee that amounts paid to You are correct. All concerns over the amounts payable to You should be taken up with the Insurance Company directly.
The Citizens Wallet Service functionality may vary due to factors including but not limited to: region, device, or platform. By using the Wallet, You agree and understand third party applications may have their own terms, limitations and fees.
You agree not to use the Wallet for illegal or fraudulent purposes, or any other purposes that are prohibited by law or these Terms.
Juice reserves the right to change, suspend, or discontinue the Citizens Wallet Service or specific features at any time without notice.
3. Third-Party Services
The Wallet may contain third party content and links to third party websites that are not owned nor controlled by Juice nor the Insurance Company. Juice has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party content or websites or any of their contents. In addition, Juice will not and cannot censor or edit the content of any third-party site. By using the Wallet, You expressly relieve Juice from all liability arising from Your use of any third-party website. Depending on Your selected payout method, review the applicable terms for the third-party provider.
4. Your Data and Privacy
To verify Your identity, We may request and/or validate Your name, address, date of birth, Social Security number or other government-issued identification number, and other identifying information as required by applicable law. We also may require You to provide a government issued identity document.
Your use of the Wallet is subject to the Juice Financial Privacy Policy, which is incorporated by reference into these Terms.
5. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, JUICE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE CITIZENS WALLET SERVICE. JUICE MAKES NO WARRANTIES OR REPRESENTATIONS REGARDING THE ACCURACY OR COMPLETENESS OF THE CONTENT ON THE CITIZENS WALLET SERVICE OR THE CONTENT OF ANY SITES LINKED TO THE CITIZENS WALLET SERVICE. IN NO EVENT SHALL JUICE ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR CITIZENS WALLET SERVICE AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR OTHER INFORMATION STORED THEREIN, (III) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE CITIZENS WALLET SERVICE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE CITIZENS WALLET SERVICE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE CITIZENS WALLET SERVICE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. YOU SPECIFICALLY ACKNOWLEDGE THAT JUICE SHALL NOT BE LIABLE FOR USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU. JUICE DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY, INCLUDING AN INSURANCE COMPANY, ACCESSIBLE THROUGH OR INTEGRATED WITH THE CITIZENS WALLET SERVICE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND JUICE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. THOSE WHO ACCESS OR USE THE CITIZENS WALLET SERVICE FROM JURISDICTIONS PROHIBITING SUCH USE, DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.
6. Indemnification
You agree to defend, indemnify and hold harmless Juice, its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt and expenses (including but not limited to attorney’s fees) arising from: (i) Your use of and access to the Wallet; (ii) Your violation of any term of these Terms; (iii) Your violation of any third party right, including without limitation any copyright, property, or privacy right; (iv) any claim that Your user content caused damage to a third party; and (v) any dispute between You and an Insurance Company or any other third party. This defense and indemnification obligation will survive these Terms and Your use of the Wallet.
7. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of New York. Any disputes shall be resolved exclusively in the courts located in New York.
8. Changes to the Terms
Juice may update these Terms at any time by updating them on its website or the portal through which You access them. Your continued use of the Wallet following such updates constitutes Your acceptance. It is Your responsibility to review these modified Terms periodically.
9. Termination
Either party may terminate these Terms at any time. Upon termination, You must immediately cease using the Citizens Wallet Service. Sections 5 (Limitation of Liability), 6 (Indemnification), and 7 (Governing Law and Jurisdiction) shall survive any termination of these Terms.
10. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.
11. Contact
If You have any questions concerning the Citizens Wallet Service, please call Us at 855-687-2100 or email us at [email protected].
Electronic Communication Notice
Effective Date: 9/XX/2025
This Electronic Communication Notice (“Notice”) supplements any other Agreement the end user (“You” or “Your”) may have in place with Praxell Inc. dba Juice Financial (“Juice”, “Us”, “Our” or “We”).
The following Notice applies to all communications or disclosures that We provide to You in writing (“Communications” or “Electronic Communications”) in connection with Your requested Juice product and service. If You do not consent to receive electronic communications, We will be unable to process your application for Juice products or services, as electronic communications are essential to Our service delivery.
When You use a product or service to which this Notice applies, You agree that We may provide You with any Communications in electronic format, and that We may discontinue sending paper Communications to You.
1. Scope
Your consent to receive Electronic Communications includes, but is not limited to:
2. Consumer Disclosure Statement
Right to Withdraw Consent
You may withdraw Your consent to receive Communications in electronic form at any time by calling 855-687-2100 or emailing us at [email protected].
If You do withdraw your consent, We may terminate Your use of the product or service, except where prohibited by law or any another Agreement We may have in place with you. Reference the governing Agreement We may have in place with You to see if fees may apply.
Any withdrawal of Your consent to receive electronic Communications will be effective only after We have a reasonable period to process Your request for withdrawal. In the meantime, You will continue to receive Communications in electronic form. If You withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.
Scope of Consent
All Communications that We provide to You in electronic form will be provided (1) by an e-mail notice We send to You at the time the information is available (2) by SMS message. You understand and agree that standard text messaging and data rates from Your wireless carrier may apply to these communications or (3) by posting such Communications in Your Account.
Hardware and Software Requirements
To access, view, and retain Communications that We make available to You electronically, You must have:
Updates to your Information
You are responsible for keeping your contact information, including email address and phone number, current to ensure receipt of Communications. You can update your contact information by: (1) calling Customer Service at 855-687-2100, or (2) emailing us at [email protected].
1. Terms and Conditions for the Reward Mastercard®. This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the Reward Mastercard® has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank ©2014. The "Program Manager" for the Reward Mastercard® is Praxell, Inc. and the Customer Service telephone number is 855-687-2099 or the toll-free telephone number on the back of your Card. By accepting and/or using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, "Card" means the Reward Mastercard® issued to you by Metropolitan Commercial Bank, "Card Account" means the records we maintain to account for the value of transactions associated with the card. "You" and "your" means the person or persons who have received the Card and who are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean Praxell, Inc.as your Program Manager and "Bank" means Metropolitan Commercial Bank, our successors, affiliates or assignees. The Card will remain the property of Metropolitan Commercial Bank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.
2. Using Your Card. We encourage you to use your Card immediately. The Reward Card is a non-reloadable Mastercard branded prepaid card that is loaded with value and given to you as authorized and determined solely by an organization in connection with a loyalty, award or promotional program. The Card allows you to access funds loaded to your Card on your behalf. The funds in your Card Account will be FDIC-insured only if you register the card at reward.cardportal.us. The Card is not a credit card. The Card is not a gift card, nor is it intended for gifting purposes. You will not receive any interest on your funds on the Card. THIS CARD IS SUBJECT TO AN EXPIRATION DATE AND MUST BE ACTIVATED PRIOR TO USE and prior to the "valid thru" date on the front of your card, by calling the phone number on the back of the Card. The Card funds accessible to you after activation are provided by the organization offering this promotion, not Metropolitan Commercial Bank. Such organization is fully responsible for ensuring funds are available on your Card. After activation, your Card may be used to purchase goods or services everywhere Debit Mastercard is accepted. You must not use your Card for any illegal transaction. We may decline authorization for any illegal transaction or Internet gambling transaction. Your Card is not redeemable for cash. Your Card cannot be used for any cash advances or cash back at the point of sale, money orders, traveler's checks or gambling transactions. Additional value cannot be added to this Card. All transactions will be declined once the Card balance reaches zero. Keep a record of your Card number and the telephone number on the back of your card in case of loss or theft.
3. FEES: THE FEES RELATING TO THE USE (AND MISUSE) OF YOUR CARD ARE SET FORTH IN THE "SCHEDULE OF FEES AND CHARGES (SCHEDULE A)" ATTACHED TO THIS AGREEMENT AND INCORPORATED HEREIN BY REFERENCE. FEES INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING BALANCE IN YOUR CARD ACCOUNT, UNLESS PROHIBITED BY LAW. You agree to pay all fees associated with the Card. We may from time to time amend the Fee Schedule, at our sole discretion and upon review by the Bank, as set forth in the Section of this Agreement titled "Amendment and Cancellation."If you request a service that is not included in this "Schedule of Fees and Charges (Schedule A)" and there is a fee for such service, such fee will be disclosed at the time you request the service and you agree that any such fee may be deducted from your Card Account.
4. Limitations on Frequency and Dollar Amounts of Transactions: The total amount of purchases that you can perform in any single day is limited to the amount of funds which were loaded to the card by the organization. The maximum value will be determined by aggregating the activity and applicable fees as outlined in Schedule A below, and thevalue of all Card Accounts you may have with the Program. For security reasons, you may be further limited as to the number or dollar amount of transactions you can make with your Card.
5. Personal Identification Number ("PIN"). During the card activation process, you will be required to set your PIN, which you may use for making purchases where entering a PIN is allowed. You can also change your PIN by calling the phone number or by visiting the website: reward.cardportal.us. The Card and PIN are provided for your use and protection, and you will:
A. Not disclose the PIN, nor record it on the Card or otherwise make it available to anyone else.
B. Use the Card and PIN as instructed (Card cannot be used to obtain cash);
C. Promptly notify us of any loss or theft of your Card or PIN (see Liability for Lost/Stolen Card and Unauthorized Transactions"; and
D. Be liable for any transactions made by a person you authorize or permit to use your Card and/or PIN. If you permit someone else to use your Card, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.
6. Split Transactions. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the merchant that you would like to complete a split transaction before swiping your Card, your Card is likely to be declined.
7. Transactions Using Your Card Number. If you initiate a transaction without presenting your Card (such as for a mail order, internet or telephone purchase, the legal effect will be the same as if you used the Card itself.
8. Your Obligation for Negative Balance Transactions. Each time you initiate a Card transaction, you authorize the Bank to reduce the funds available in your Card Account by the amount of the transaction and all associated fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions (creating a "negative balance"). Nevertheless, if any transactions cause the balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. We reserve the right to bill you for any negative balance or to recoup such negative balance from any other Card we have issued to you. You agree to pay us promptly for the negative balance and any related fees. We also reserve the right to cancel your Card if you create one or more negative balances with your Card.
9.Business Days. Our business days are Monday through Friday, excluding federal and legal banking holidays in the State of New York.
10.Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Card, other than a Recurring Transaction as described in the Section below entitled "Recurring Transactions." When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles and the Bank will place a temporary hold on your Card's funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. Your Card will only be charged for the correct amount of the final transaction, and the Bank will release any excess amount when the transaction finally settles.
When you use your Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on your Card, your transactions may be declined. Accordingly, you should ensure that your Card has an available balance that is 20% (or more) greater than your total bill before using your Card.
11. Recurring Transactions. The Reward product does not accept recurring transactions for payments of any type, such as bill payments, or memberships of any type.
12. Returns and Refunds. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card Account for such refunds. You are not entitled to a check refund unless your Card has been closed. The amounts credited to your Card for refunds may not be available for up to five (5) days from the date the refund transaction occurs.
13.Card Cancellation and Suspension; Limits. We reserve the right, in our sole discretion, to limit your use of the Card, including limiting or prohibiting specific types of transactions. The Bank may refuse to issue a Card, revoke Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law. If you would like to cancel the use of your Card, you may do so by calling 855-687-2099 or the number on the back of your Card. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Card. The cancellation of Card privileges will not otherwise affect your rights and obligations under this Agreement. If we cancel or suspend your Card privileges through no fault of yours, you will be entitled to a refund as provided below in the Section entitled "Amendment and Cancellation." Not all services described in this Agreement are available to all persons or at all locations. We reserve the right to limit, at our sole discretion, the provision of any such services to any person or in any location. Any offer of a service in this Agreement shall be deemed void where prohibited. We or the Bank can waive or delay enforcement of any of our rights under this Agreement without losing them.
14.International Transaction Fee. If you initiate a transaction in a currency or country other than the currency or country in which your Card was issued, the amount deducted from your funds will be converted by Mastercard® International into an amount in the currency of your Card. Mastercard International will establish a currency conversion rate for this convenience using a rate selected by Mastercard International from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Mastercard International itself receives, or the government mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by us. If you conduct transactions in a currency or country other than the currency or country in which the Card was issued, we may increase the currency conversion rate (See "Schedule of Fees and Charges (Schedule A") up to an additional 3% of the transaction amount and will retain this amount as compensation for our services. This charge is independent of and in addition to the currency conversion rate established by Mastercard International.
15. Receipts. You should get or request a receipt at the time you make a transaction using your Card. You agree to retain your receipts to verify your transactions.
16. Obtaining Balance and Transaction Information for Your Card. You should keep track of the amount of funds available in your Card Account. You may obtain information about the amount of funds you have remaining in your Card Account by calling 855-687-2099 or the number on the back of your Card. This information, along with a 12-month history of account transactions, is also available on-line through our customer self-service website reward.cardportal.us shown on the back of the Card. You may write to the Program Manager at Reward Card, PO Box 315, New York, NY, 10018.
17. Confidentiality. The Bank may disclose information to third parties about your Card or the transactions you make using your Card: (1) Where it is necessary for completing transactions; (2) In order to verify the existence and condition of your Card for a third party, such as a merchant; (3) In order to comply with government agency, court order, or other legal reporting requirements; (4) If you give the Bank your written permission; (5) To our and the Bank's employees, auditors, affiliates, service providers, or attorneys as needed; and (6) as otherwise provided in the Bank's Privacy Policy Notice below.
18. Our Liability for Failure to Complete Transactions. In no event will we or the Bank be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. We or the Bank will not be liable, for instance: (1) if, through no fault of ours or of the Bank, you do not have enough funds available in your Card Account to complete the transaction; (2) if a merchant refuses to accept your Card ; (3) if an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; (4) if access to your Card has been blocked after you reported your Card or Access Code lost or stolen; (5) if there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (6) if we or the Bank have reason to believe the requested transaction is unauthorized; (7) if circumstances beyond our or the Bank's control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we or the Bank have taken; (8) any other exception stated in this Agreement with you.
19. In Case of Errors or Questions about your Card Account. Call Customer Service at 855-687-2099 or telephone us at the number on the back of your Card or write to the Program Manager, Reward Card, PO Box 315, New York, NY, 10018 as soon as you can, if you think an error has occurred in your Card Account. You will need to tell us: (1) your name, complete mailing address, and Card Number; (2) why you believe there is an error, and the dollar amount involved, and (3) approximately when the error took place. If we decide that there was no error, we will send you a written explanation You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at the number on the back of your Card.Your card account will not be credited until our investigation is complete and we have determined an error occurred.
20. Lost or Stolen Cards/Unauthorized Transfers. If you believe your Card or Access Code(s) ("PIN") has been lost or stolen, call 855-687-2099 the number on the back of your Card or write to us at Reward Card, PO Box 315, New York, NY, 10018; by email at [email protected]
21. Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over your PIN(s) ("Access Code(s)"); user ID(s); and password(s) and any other access code related to your Card Account (each, an "Access Code") and your Card. Contact us AT ONCE if you believe your Card or Access Code(s) has been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, by telephoning the toll-free number on the back of your Card 855-687-2099 Under Mastercard's Zero Liability Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Zero Liability does not apply to Mastercard payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). In the event that Mastercard Zero Liability does not apply, if you tell us within two (2) business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Card Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
The following provisions of this Section apply to all Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Access Code(s). You also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require. In addition, you acknowledge that the Bank may have to deactivate your Card(s) and/or Card Account to prevent future losses. If you share your Card(s) or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized. If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way.
22.Other Terms. Your Card and your obligations under this Agreement may not be assigned. We and/or the Bank may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We and the Bank do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, whether local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement shall be governed by the law of the State of New York except to the extent preempted or governed by federal law.
23. Amendment and Cancellation. We or the Bank may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change, if your card is registered with your name and address. Otherwise, we will post the Change in Terms Notice, including the new Terms and Conditions at: reward.cardportal.us. However, if the change is made for security purposes, we or the Bank can implement such change without prior notice. We or the Bank may cancel or suspend your Card or this Agreement at any time. You also may cancel this Agreement by returning the Card to us or by calling 855-687-2099 or customer service at the number on the back of your Card. If you cancel your Card, you must zero out your Card Account balance before closing your Card Account. If your Card is canceled by us or the Bank whenyour Card Account has a balance, we will send you a check in the amount of your Card Account balance for no charge. In all events, any check we send will be sent to the address we have for you in our records. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement before termination.
24. Telephone Monitoring/Recording. From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.
25. No Warranty Regarding Goods and Services. We or the Bank are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.
26. Arbitration Provision. This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) shall be arbitrated instead of litigated in court upon the election of either party.
(a) Definitions: As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and Praxell, Inc., Program Manager of the Reward Mastercard® or any of its agents or retailers, arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreement. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds on the Cards; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court; any appeals from that court shall be pursued only in arbitration. As used in this Arbitration Provision, the terms "we" and "us" shall for all purposes mean the Program Manager, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.
(b) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services ("JAMS") or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.
(c) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE "CODE"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT ARBITRATION, EXCEPT AS SET FORTH BELOW. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
(d) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.
(e) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.
(f) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding.
(g) Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.
27. Requesting Paper Copies of Transactions. To request a paper copy of your transactions, please contact us by calling 855-687-2099 or write to us at: Reward Card, PO Box 315, New York, NY, 10018 or reward.cardportal.us. You can view your balance and transactions at any time at reward.cardportal.us.
Metropolitan Commercial Bank Privacy Policy Notice:
| FACTS | WHAT DOES METROPOLITAN COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? | ||
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. | ||
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
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| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Metropolitan Commercial Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Metropolitan Commercial Bank share? | Can you limit this sharing? |
| For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | NO |
| For our marketing purposes to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes information about your transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes information about your creditworthiness | No | We don't share |
| For non-affiliates to market to you | No | We don't share |
| Questions? | Call 1-866-363-8226 or visit www.metropolitanbankny.com | |
| What We Do | |||
| How does Metropolitan Commercial Bank protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. | ||
| How does Metropolitan Commercial Bank collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates or other companies |
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| Why can't I limit all sharing? |
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. |
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| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies. Metropolitan Commercial Bank does not share with our Affiliates so they can market to you. |
| Non-affiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies.Metropolitan Commercial Bank does not share with non-affiliates so they can market to you. |
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card account companies. |
| Other Important Information | |
| For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Texas Customers. If you have a complaint, first contact the customer service division of Metropolitan Commercial Bank at 1-866-363-8226.If you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov. For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization. |
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Schedule of Fees and Charges
Schedule A
| SCHEDULE OF FEES AND CHARGES | Reward Mastercard | State: All |
| TYPE | COST | DETAILS |
| Replace Card | $6.95 | Per Card Replacement |
| POS PIN Debit Purchase (Int'l) | 3% of purchase amount | Per POS PIN Debit Purchase (Int'l)-See "Sec. 14 Int'l Transaction Fee" |
IMPORTANT - PLEASE READ CAREFULLY
By participating in the Juice Expense Prepaid Mastercard Program, you agree that the information and statements you provide to us are accurate, including, but not limited to, your real name, valid U.S. mailing address and residential address (if different), social security number or other identification documentation, date of birth, and telephone number. If you fail to provide accurate information that we request, we may cancel any or all Cards and Card Accounts. In addition, funds tied to suspected illicit or illegal activity may be subject to both internal and potentially criminal investigation. We reserve the right to restrict or delay access to any such funds.
A Cardholder may access the funds loaded to his or her Card by presenting the Card in person, by providing the Card Number to a merchant to pay for goods and services, or (3) by automated clearinghouse (“ACH”) debit using the Account Number. The Cards are not credit cards or gift cards, nor are they intended for gifting purposes. The Cards may not be used to disburse payroll or compensation to any person, including the associated Cardholder. Interest will not be paid on funds on deposit in the Card Accounts. The funds loaded to a Card will not expire, regardless of the expiration date on the front of the Card.
A Cardholder cannot use the Card until it has been activated. Cardholders may request, be issued, and/or use a physical plastic card (a “Physical Card”) or a virtual representation of the card (a “Virtual Card”). If a Cardholder has and uses a Physical Card and a Virtual Card at the same time, both forms of the Card are associated to one Primary Access Number (“PAN”), which allows the Cardholder to access the funds available in the Card Account. Except as otherwise stated in this Agreement, Cardholders have the same rights and responsibilities under this Agreement whether they use a Physical Card or Virtual Card.
The Business may have as many Card Accounts as we shall allow in our discretion. The Business is an unlimited guarantor for all activities on the Cards. The owners or principals of the Business must personally guarantee and be personally liable for all transactions associated with the Cards. All such guaranties are unlimited and are also joint and several where the Business has multiple owners or principals. The Business can add or remove Cardholders, obtain Card and Card Account information, deposit funds to Card Accounts, transfer funds among Card Accounts and take administrative actions in connection with the Card Accounts and Cards as contemplated by this Agreement.
Cardholders must be individuals who are associated with the Business. The Business is the owner of all funds in the Card Accounts at all times and Cardholders agree that their Cards shall only be used as authorized by the Business, which may never involve transactions intended for personal, family or household purposes of the Cardholder or any other person.
The Business must notify us to revoke any Cardholder’s authorization to use a Card. The Business may do this through the Juice Mobile App, by calling the number on the back of any Card or 855-687-2114, by visiting go.getjuicecard.com, or by writing to the Program Manager at Juice Cardholder Services, P.O. Box 315, New York, NY 10018. If the Business instructs us to revoke a Cardholder’s use of a Card, we will cancel the Card once we have had a reasonable opportunity to take action.
The Business is wholly responsible and liable for all transactions made with the Cards, Card Numbers and the Account Number, subject to applicable law or as otherwise provided in this Agreement. The Business’ liability applies even if a Cardholder exceeds the scope of his or her authority, including but not limited to, situations where the Cardholder uses the Card for personal, family or household purposes, or when a Cardholder authorizes a third-party to use a Card. The Business shall ensure that Cardholders are not permitted to authorize other persons to use their Card. To cancel a Card, telephone the toll-free number on the back of your Card or 855-687-2114. Once we notice of such a revocation (cancellation) and have had a reasonable time to act we will exercise reasonable efforts to block additional purchases on the Card.
Cardholders will be provided with Bank’s routing number and assigned a 16-digit Account Number once their identity has been verified. The routing number and the assigned Account Number are for the purpose of initiating direct deposits to their Card Account and authorized automated clearinghouse (“ACH”) debit transactions only. The 16-digit Card Number embossed or printed on the Card should not be used for these direct deposits or ACH debit transactions or they will be rejected. Cardholders are not authorized to use the provided routing number and Account Number if they do not have sufficient funds in their Card Account. These debits will be declined, and the payment will not be processed. Cardholders also may be assessed an ACH Decline Fee (see the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement).
| Transaction/load type | Maximum amount |
|---|---|
| Maximum balance on the card | $25,000.00 (includes all cash and direct deposit loads) |
| Cash withdrawals* | $500 per day (includes all bank teller, ATM and cash back from POS purchases) (the “Daily Withdrawal Limit”) |
| Purchases (POS) | $10,000 per day (the “Daily Purchase Limit”) |
| Direct deposits (bank-to-card transfers) | $25,000.00 per day (includes all cash and ACH loads) |
| *Transaction/load type not available unless the Cash Feature is enabled by the Business on the Card Account. | |
Car rentals, hotels and other service oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to 60 days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to a Card’s available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank. Such fuel transaction authorization holds may be avoided by paying inside the gas station instead of at the pump. Until the transaction finally settles, the funds subject to the hold will not be available for other purposes. We will only charge the Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles.
When a Card is used at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip that may be left on the purchase. If this occurs, and the total bill, after adding in the additional 20% (or more), exceeds the amount available on the Card, the transaction may be declined. Accordingly, Cardholders should ensure that their Card has an available balance that is 20% (or more) greater than the total bill before using their Card.
If the Business or any Cardholder believes an error occurred, a Card, PIN, or Access Code(s) has been lost or stolen, or that someone has made an unauthorized transaction with a Card or may attempt to use a Card without permission, you agree to notify us immediately by calling the number on the back of the Card, or 855-687-2114, or sending notice through go.getjuicecard.com, or writing to the Program Manager at Juice Cardholder Services, P.O. Box 315, New York, NY 10018. You will need to tell us: (1) the Business name; (2) your name; (3) the Card Number and other identifying details; (4) why you believe there is an error; (5) the dollar amount involved; and (6) approximately when the error took place. We will cancel the Card, and if our records show that available funds remain in the Card Account, we will issue a replacement Card loaded with the remaining value. You agree to assist us in determining the facts relating to any possible unauthorized use or error associated with the Card, and to comply with the procedures we may require for any investigation.
Mastercard’s Zero Liability Policy. Under Mastercard rules, the Mastercard Zero Liability Policy does not apply to payment cards issued to an entity other than a natural person or to cards issued for a commercial purpose. The Mastercard Zero Liability Policy does not apply to transactions made using your Card.
The arbitrator shall apply the applicable substantive law, consistent with the FAA, that would apply if an individual matter had been brought in court. The arbitrator may award any damages or other relief of remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable, and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). The arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by the administrator’s rules or applicable law. The arbitrator shall apply applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within 15 days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within 20 days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, if the amount in controversy exceeds, $50,000, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have 30 days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within 120 days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding except for any appeal rights under the FAA.
All Communications that we provide to you in electronic form will be provided either (1) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (2) by posting such communications at go.getjuicecard.com.
It is the Business’ responsibility to provide us with your true, accurate and complete e-mail address (if the Business has elected to receive e-mail messages from us), the Business’ contact information, and other information related to this consent and the Card Accounts, and to maintain and update promptly any changes in this information. The Business can update information (such as its e-mail address) through go.getjuicecard.com or by calling the number on the back of your Card or 855-687-2114.
We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.
Rev. 2.2023
SCHEDULE OF ALL FEES AND CHARGES FOR JUICE EXPENSE PREPAID MASTERCARD®
State: ALL
| ALL FEES | AMOUNT | DETAILS |
|---|---|---|
| Get Started | ||
| Card purchase fee | $2.50 | |
| Card activation fee | $0.00 | |
| Account registration fee | $0.00 | |
| Monthly usage | ||
| Monthly fee | $7.50 | |
| Loads | ||
| Load/Unload | $0.00 | Third party fees may apply. |
| Spend money | ||
| POS PIN debit purchase | $0.00 | Third party fees may apply. |
| POS signature purchase | $0.00 | Third party fees may apply. |
| POS PIN purchase (declined) | $0.00 | Third party fees may apply. |
| POS SIG purchase (declined) | $0.00 | Third party fees may apply. |
| Get cash* | ||
| ATM withdrawal in-network (US)* | $2.00 | To avoid third-party fees, locate an Allpoint ATM network: https://www.allpointnetwork.com/locator.aspx |
| ATM withdrawal out-of-network (US)* | $2.00 | Third party fees may apply. |
| ATM withdrawal (declined)* | $1.00 | Third party fees may apply. |
| Bank teller withdrawal* | $3.50 | Third party fees may apply. |
| Information | ||
| Customer service (automated system) | $0.00 | |
| Customer service (live agent) | $0.00 | No charge to file a dispute or to report your card lost or stolen. |
| ATM balance inquiry in-network (US)* | $1.00 | |
| ATM balance inquiry out-of-network (US)* | $1.00 | |
| Using your card outside the U.S. | ||
| ATM balance inquiry (int’l)* | $1.00 | Third party fees may apply. See “Section 19, Int’l Transactions.” |
| ATM withdrawal (int’l)* | $4.95 | Third party fees may apply. See “Section 19 Int’l Transactions.” |
| ATM withdrawal (declined) (int’l)* | $1.00 | Third party fees may apply. See “Section 19 Int’l Transactions.” |
| POS PIN debit purchase (int’l) | 2% | Third party fees may apply. See “Section 19 Int’l Transactions.” |
| POS signature purchase (int’l) | 2% | Third party fees may apply. See “Section 19, Int’l Transactions.” |
| POS PIN purchase (declined) (int’l) | $0.00 | Third party fees may apply. |
| POS SIG purchase (declined) (int’l) | $0.00 | Third party fees may apply. |
| Other | ||
| Close card | $0.00 | Applied when you request account closure and the remaining funds distributed via paper check. |
| Replace card | $5.00 | One replacement card per year at no charge |
| Expedited replacement card | $25.00 | Includes replacement card and delivery |
Fee not applicable unless the Cash Feature is enabled on the Program Account.
Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to First Century Bank NC, an FDIC-insured institution. Once there, your funds are insured for the benefit of the Business up to $250,000 by the FDIC in the event First Century Bank NC, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
Contact Juice Financial by calling 855-687-2114, by mail at Juice Cardholder Services, P.O. Box 315, New York, NY 10018, or visit go.getjuicecard.com.
Contact the administrator for further assistance.
Questions or need immediate help?
Call: 888-584-2350
Email: [email protected]