Arrow Bank National Association
SecurLOCK Service Agreement
Definitions and Use of Other Terms:
1. As used in this Agreement, the words "we," "our," "us" and "Arrow Bank" mean Arrow Bank National Association.
2. "You" and "your" refers to the person or entity authorized by Arrow Bank National Association to use the Arrow Bank Mobile SecurLOCK Service under this Agreement.
PLEASE CAREFULLY READ THE FOLLOWING TERMS AND CONDITIONS BEFORE AGREEING TO PARTICIPATE IN THE ARROW BANK MOBILE SECURLOCK SERVICE (THE " SERVICE"). BY INSTALLING AND USING THE SERVICE OR THE LICENSED APPLICATION, THE END USER, AS AN INDIVIDUAL OR ENTITY AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW AND REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE, DO NOT PROCEED TO INSTALL OR USE THE SERVICE.
This is a legal agreement between you and Arrow Bank for use in the United States, stating the terms that govern your use of our SecurLOCK application (“Licensed Application” or the “App”) and the SERVICE. This Agreement, together with all updates, additional policies, software licenses, Privacy Policy and all Arrow Bank rules and policies referenced in these terms and conditions, collectively constitute the “Agreement” between you and Arrow Bank. Changes, additions or deletions not approved by Arrow Bank in advance are void and Arrow Bank may refuse access to the SERVICE to you for noncompliance with any part of this Agreement.
Amendments: Arrow Bank may amend this Agreement at any time. We may add new terms and conditions and we may delete or amend the existing terms and conditions. You will generally be provided advance notice of any change, provided that if the change is favorable for you, we may make the change at any time without prior notification. If you do not agree with the change, you should immediately discontinue using the SERVICE. If you continue using the SERVICE, your continued use will be acceptance to the Agreement changes. You may be required to affirmatively accept the revised Agreement in order to continue using the SERVICE or the App. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in a revision. Any use of the App or the SERVICE after a notice of change or after the posting of a revised version of this Agreement on the Arrow Bank site will constitute your agreement to such changes and revised versions. We may from time to time revise, update, upgrade or enhance the App, the SERVICE and/or related applications or material, which may render all such prior versions obsolete. Consequently, upon notice to you we reserve the right to terminate this Agreement as to all such prior versions of the App, the SERVICE, and/or related applications and material, and limit access to only the App or the SERVICE’s most recent revisions, updates, upgrades, or enhancements.
The SERVICE: The SERVICE is offered by Arrow Bank. The SERVICE is designed to allow you to temporarily or permanently disable your Arrow Bank debit card in the event it is misplaced, lost, or stolen. The SERVICE may also be used to send transactions alerts via SMS notifications or via email.
The SERVICE cannot be used to cancel authorized or pre-authorized debit card transactions. It is not intended to be used as a method for stopping payment on authorized or pre-authorized transactions. In accordance with VISA® Operating Rules, all preauthorized transactions will be paid by Arrow Bank. The foregoing applies to authorizations made in both card present (i.e. in-store) and card not present situations (i.e. online, telephone, in-app, mobile wallet), and in cases of pre-authorized recurring transactions. Pre-authorized recurring transactions must be stopped in accordance with the agreement made with the merchant involved in the pre-authorizations.
Fees: Arrow Bank does not charge for use of the SERVICE. However, in order for Transaction Alerts to be sent to your mobile telephone number(s), you must (i) own a two-way text message (or "SMS") capable mobile phone that is registered on a carrier network, (ii) have enrolled in a data plan that includes use of your mobile handset’s SMS capabilities and (iii) ensure that your account remains in good standing with your wireless service carrier. You hereby acknowledge and agree that standard text messaging rates apply for each text message sent from and received by your mobile phone as determined by your wireless service carrier. You are solely responsible for such charges and any other charges from your wireless service carrier. You should contact your wireless service carrier for complete pricing details.
Transaction Alerts: Following your registration to receive Transaction Alerts sent to your mobile telephone number(s), the actual time between a transaction made with your debit card that triggers a Transaction Alert and the time you receive such Transaction Alert is dependent upon your wireless carrier’s service and coverage within the area in which you are physically located at that time. Your receipt of Transaction Alerts may not be available in all areas.
Eligibility: The SERVICE is only available to individuals who have a Arrow Bank Visa debit card that is in good standing and eligible for the SERVICE. Note: Eligibility of a debit card will be determined by us in our sole and absolute discretion. Our decisions with respect to your eligibility are final and binding. We reserve the right to terminate your participation in the SERVICE at any time. All users must qualify for online banking or mobile services in order to use the SERVICE. In addition to the obligations set forth in this Agreement, you must adhere to the terms and conditions outlined in separate Agreements for online banking, mobile banking, and the Arrow Bank Electronic Fund Transfer (EFT) Regulation E Disclosure.
No Amendment of Existing Terms and Conditions for Debit Cards: The transaction alerts that are provided to you through this SERVICE do not amend, supplement, change or replace any other notice or information that you may receive in connection with your debit card account, including, but not limited to, any information provided to you on your periodic statement or in conjunction with the Arrow Bank Electronic Fund Transfer (EFT) Regulation E Disclosure.
Limitations; Indemnity; Dispute Resolution:
(A) No Warranties. Equipment, Computer, and Software. THE SERVICE IS PROVIDED AT NO ADDITIONAL CHARGE. ARROW BANK, ITS DIRECTORS, OFFICERS, EMPLOYEES, STAFF, ASSIGNS, REPRESENTATIVES, RELATED PARTIES, AFFILIATES, SUBSIDIARIES, DIVISIONS, ADVERTISING AND PROMOTION AGENCIES OR THEIR SERVICE PROVIDERS (COLLECTIVELY, "RELEASED PARTIES") SPECIFICALLY DISCLAIM ANY RESPONSIBILITY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICE OR EQUIPMENT. YOU AGREE THAT YOUR USE OF AND ACCESS TO THE SERVICE AND ANY EQUIPMENT ARE AT YOUR SOLE RISK. THE SERVICE AND ANY EQUIPMENT USED TO MAKE AVAILABLE SUCH SERVICE IS PROVIDED ON AN "AS IS" AND AN "AS AVAILABLE" BASIS.
(B) Limitation of Liability. IN NO EVENT SHALL RELEASED PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE LOSS OR DAMAGE FOR ANY BREACH OF THIS AGREEMENT, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF BUSINESS OR GOODWILL, LOSS OF USE EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE OR ANY CLAIM BY ANY THIRD PARTY. RELEASED PARTIES SHALL NOT BE LIABLE IF THE SERVICE CANNOT BE PROVIDED (OR ANY PART THEREOF) OR FOR ANY FAILURE TO PERFORM ANY OBLIGATIONS CONTAINED IN THIS AGREEMENT DUE TO, DIRECTLY OR INDIRECTLY, THE FAILURE OF ANY EQUIPMENT OR ANY INDUSTRIAL DISPUTE, WAR, FLOOD, EXPLOSION, ACT OF GOD OR ANY OTHER EVENT BEYOND OUR CONTROL.
(C) Indemnity. YOU AGREE TO INDEMNIFY AND HOLD HARMLESS THE RELEASED PARTIES FROM ANY LOSS, LIABILITY, CLAIM, OR DEMAND, INCLUDING REASONABLE ATTORNEYS’ FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF YOUR USE OF THE SERVICE IN VIOLATION OF THIS AGREEMENT AND/OR ARISING FROM A BREACH OF THIS AGREEMENT AND/OR ANY BREACH OF YOUR REPRESENTATIONS AND WARRANTIES SET FORTH HEREIN.
(D) Exclusions and Limitations. IN ADDITION, NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, NO REPRESENTATION OR WARRANTY OF FITNESS OR MERCHANTABILITY SHALL BE CONSTRUED UNDER THIS AGREEMENT, AND RELEASED PARTIES SPECIFICALLY DISCLAIM ALL LIABILITY WHATSOEVER WITH RESPECT TO ANY FAILURE TO PROVIDE THE SERVICE OR PROVIDE THE SERVICE ERROR-FREE OR UNINTERRUPTED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Dispute Resolution: Any claim or dispute related to the use of any Arrow Bank debit card shall be handled in accordance with the dispute resolution provisions of the contract governing your debit card account.
Availability of SERVICE: While we will make reasonable efforts to decline transactions while your debit card is in a deactivated state, we do not guarantee that all such transactions will be declined. You acknowledge that the deactivation function is reliant on computer and/or telecommunication systems and other factors beyond our reasonable control. Disruptions to these systems may result in the authorization of transactions, even when the debit card is in a deactivated state. Reactivation of debit cards may be unavailable during certain times of the day. We will make commercially reasonable attempts to notify you of these times. Transactions are covered by the protections offered by Visa and regulatory agencies, as described in the Arrow Bank Electronic Fund Transfer (EFT) Regulation E Disclosure.
You are responsible for monitoring your account activity, whether electronically or by checking your statements. Use of the SERVICE does not override your responsibility to report unauthorized transactions in a timely manner as described in the Arrow Bank Electronic Fund Transfer (EFT) Regulation E Disclosure. Arrow Bank assumes no responsibility for failure of the SERVICE to work in the expected manner except as expressly set forth in this Agreement.
Enforceability: We may waive enforcement of any provision of the Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.
Cancellation of Service: You may cancel with written notice by writing to Arrow Bank Attn: Electronic Banking Department, 250 Glens Street, Glens Falls NY 12801
Termination: We may have the right to terminate at any time your access to SecurLOCK, in whole or in part, without prior notice. Your access will be terminated automatically if your Account(s) is closed, or access to your Account(s) is restricted for any reason. Termination will not affect your liability or obligations under these Standard Terms or other agreements, or for transactions we have processed on your behalf.
For security reasons, if you have not logged on to Internet or Mobile Banking for a period of three (3) months, the Bank will deactivate your Internet or Mobile Banking services. To reactivate your account, you will need to re-register for Internet or Mobile Banking and reenroll with SecurLOCK.
Rev. 01/01/25