TERMS AND CONDITIONS

These terms and conditions are designed to provide you information on the online contribution system we provide and outline important conditions which apply to you using this service. The contribution system is provided by Kalispell Christian Center and various third party vendors. It is subject to the consumer banking regulatory protections described in Regulation E of the Electronic Fund Transfers Act. Reg. E stipulates significant disclosure requirements and therefore most of these terms and conditions are a direct result of Reg. E. When you register with us or any third party vendor acting on our behalf, you and any person you authorize to perform functions on your account agree to these terms and conditions.

1. Services Offered. After we process your application and you choose an ID and Password, you may use our service to arrange for payments of any contributions you authorize us to pay. The Password must be used each time you access our service. You agree not to disclose or otherwise make your Password available to anyone not authorized to sign on your account(s).

2. Erroneous Instructions. If we receive a payment instruction authorized by you and the instruction is erroneous in any way, we shall have no obligation or liability for the error.

3. Authorized Users. If there are other authorized users on your service, or on your account(s), you hereby authorize each of them to use your Passwords and this service. Any signer on such accounts is authorized to make payments.

4. Business Days. Our business days are Monday through Friday, excluding legal holidays.

5. Electronic Disclosures. We are required to provide you with certain disclosures and notices which are mandated by various laws and rules. You agree to receive all such disclosures electronically, which in most cases will be done at our web site.

6. Confidentiality. We will never sell any personally identifiable information to a third party for marketing purposes without your consent. We will only disclose information to third parties about your account or the transfers or payments you make:

(a) Where it is necessary for opening or maintaining your account, or for completing transfers or payments

(b) If lawfully required or

(c) If you request or authorize it.

7. Your Liability. You agree to regularly and promptly review and verify all transactions either on our Internet page or through the monthly statements received from your vendor holding the account(s). Tell us AT ONCE if you believe your Password has been lost or stolen. Also, if your vendor statement shows transactions by us that you did not authorize, contact your vendor.

8. Our Liability. If we do not complete a payment which you have authorized in a timely manner, in accordance with the terms and conditions herein, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for example, when:

(a) Through no fault of ours, your account does not contain sufficient available funds for us to debit the account in the amount of the payment due.

(b) The web site or other systems are not working properly.

(c) Circumstances beyond our control (such as fire, flood, computer breakdown or problems with a telephone line) prevent or impede the transaction, despite reasonable precautions we have taken.

(d) The funds in your account are subject to a hold, legal process or any other encumbrance or claim restricting transfers at the time we attempt to debit your account for an authorized payment(s).

(e) The information you or your payees have supplied to us is incorrect, incomplete or not timely.

(f) There may be other exceptions as well.

9. In Case of Errors or Questions about Transfers from Your Account. ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH YOUR PASSWORD MUST BE DIRECTED TO YOUR VENDOR.

10. Refunds. Charitable contributions are non-refundable. Refunds of any other type of payments made will be done according to the refund policy associated with the transaction.

11. Change in Terms. It is possible that our terms and conditions may change over time. We will post any changes on our web site and will send you any legally required notice. Prior notice may not be given, however, where an immediate change is necessary for security purposes.

12. Termination. We reserve the right to terminate your service at any time with or without cause. We may immediately terminate your use of the service if:

(a) You or any authorized user of your Password breach any agreement with us;

(b) We have reason to believe there has been or may be an unauthorized use of your Password, your accounts, or our service;

(c) Any party associated with your accounts or your service requests that we do so; or

(d) There are conflicting claims to the funds in your accounts.

Please note that if you or another party asks us to terminate your service, or your accounts are closed for any reason, you will remain liable for transactions previously authorized.

13. Limitations. You agree that neither we nor any party involved in creating or delivering this web site is liable for any direct, indirect, incidental, consequential or punitive damages arising out of your access to, or use of this web site. We assume no responsibility for and will not be liable for any damages to or any viruses which may affect your computer equipment or other property on account of your access to, use of or downloading from our web site.

If we fail to enforce any of our rights under this terms and conditions, our Privacy & Security Statement or Our Promise or applicable laws, it shall not be deemed to constitute a waiver of such right. If any provision of these documents is found by a court to be invalid, then the remaining terms and conditions shall remain in full force and effect.