Quicken Bill Manager Terms of Use

October 16, 2023

Quicken Bill Manager Terms of Use

You should read carefully the Quicken Bill Manager Terms of Use ("Bill Manager Terms of Use") before you use Quicken Bill Manager, which includes Quick Pay, Check Pay and all other Quicken bill payment services. The Quicken Bill Manager Terms of Use should be read in conjunction with the other parts of the Quicken Terms of Use, including without limitation the Quicken Membership and Quicken Privacy Policy, all of which also govern your use of Quicken Bill Manager.

"Due Date" is the date on which the payment is due, as reflected on your Payee bill or statement. It is not the late date or grace period date.

"Funding Account" is the account you designate as the account to which your bill payments should be charged.

"Payee" is the person or entity to which you wish a bill payment to be directed.

"Payment Instruction" is the information provided by you to the Services for a bill payment to be made to the Payee (such as, but not limited to, Payee name, and Payee account number and Processing Date).

"Processing Date" is the date on which your payment begins processing, as shown on a confirmation screen when a payment is initiated.

"Services" means the bill payment services described in this Bill Manager Terms of Use including Quicken Bill Manager. You may use these Services to pay bills directly from your Funding Account(s) in the amounts, and on the days, you request as allowed by the service (see also "Payments" below).

"You" or "Your" refers to the individual who initiates a payment using the Services, and who agrees to these Bill Manager Terms of Use prior to making a payment using the Services.

User Requirements. In order to use the Services, (i) you must be an individual person at least 18 years of age and able to form legally binding contracts under applicable law, (ii) you must have a physical address in the United States and a valid and active e-mail address, (iii) you must have a valid deposit account with a U.S. financial institution and your Funding Account must be with a U.S. financial institution, (iv) you must be a United States resident, (v) you must have a verified phone number, and (vi) you must be a natural person and not a business. Other requirements and restrictions may apply.

Payments. It is your responsibility to initiate processing for any payment prior to the Due Date and to ensure that there is enough time to complete the payment prior to the Due Date. It is your responsibility to submit payments to arrive by the Due Date specified on the bill or statement. If you initiate processing on a date that causes payment to be delivered after the Due Date, we are not responsible for any late charges that you may be charged by the Payee. We may set a maximum dollar amount for payment, and/or refuse to permit any bill payment if we reasonably believe such refusal is necessary or advisable for security reasons, to prevent misuse of the Service, to prevent any payments prohibited by these Terms and Conditions, or to prevent fraud or the commission of an illegal act. If we refuse to process a payment, we are not responsible for any late charges, or any other adverse actions associated with a late or no payment between you and your Payee.

Identity Verification. To help the government fight the funding of terrorism and money-laundering activities, we may obtain, verify, and record information that identifies each person who uses the Services. This information can include your name, physical address, date of birth, social security number, device identification, and other information that we may require from time to time. We may use a Third-Party Service Provider to verify your identity. You authorize us or our Third-Party Service providers to verify your identity from time to time, as we deem appropriate.

Third-Party Products and Services. Some of the Quicken Bill Manager functionality is provided by our Third-Party Service Providers. By using Bill Manager, you agree that you will provide our Third-Party Service Providers sufficient information to create instructions to make or receive a payment by way of the Automated Clearing House (ACH) network or other means. The Third-Party Service Providers we partner with to provide these services may have cutoff times for receipt of Payment Instructions and you understand that neither Quicken nor the Third-Party Service Providers guarantee a specific time in which payment transactions (including ACH transactions) initiated through the Services will be completed. You may be required to accept different or additional terms and conditions from our Third-Party Service Providers, even where their products or services are delivered to you via Quicken Bill Manager. We may add or remove Third-Party Service Providers at any time.

If you access Third-Party Products or Services from within Quicken Bill Manager, you grant us permission to store your credentials for the Third-Party Products and Services, and you expressly appoint us as your attorney-in-fact and agent with limited power of attorney and with all necessary rights to use your credentials on your behalf and to collect, send, receive, retrieve, process, store, and create new content and other information from these Products and Services solely in connection with carrying out the Quicken Bill Manager services.

When linking Funding Account(s) to your Quicken account, you authorize us or our Third-Party Service Providers to perform credit and debit activity, including crediting or debiting your Funding Accounts(s) with small amounts (less than $1.00) for the purposes of confirming the legitimacy of your Funding Account(s) access and control. You authorize us or our Third-Party Service providers to perform this process again, as we deem necessary. You acknowledge that this authorization will apply to any external funding source linked to Quicken.

We assume no liability in connection with your use of any Third-Party Products or Services. Any Content you post or data that you upload is subject to the terms of use and privacy policies of those sites and platforms. Please refer to those sites to better understand your rights and obligations.

Liability for Payments. You agree that when you receive or make a payment initiated through Quicken, you are liable to Quicken for the full amount of the payments(s) plus any fees if the payment(s) is later invalidated for any reason. You are responsible for all reversals, returns, chargebacks, charges for "insufficient funds," fees, fines, penalties and other liability incurred by Quicken, any other Quicken customer, or a third party, caused by or arising out of your breach of this Bill Manager Terms of Use, and/or your use or the use of your authorized third parties of the Services. You agree to reimburse Quicken, any Quicken customer, or a third party for any and all such liability.

Services Guarantee. Due to circumstances beyond the control of the Services, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. Quicken will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with these Quicken Bill Manager Terms of Use.

We are not responsible for any failure to complete or delay in completing any payment due to any of the following:

a. Your Funding Account does not contain sufficient funds to complete the payment or the charge is rejected or returned by your bank or financial institution.

b. Your Funding Account is closed.

c. The Payee rejects or returns the payment for any reason.

d. The Services are unavailable, and you know or we have told you about the problem before you submit the payment request.

e. You have provided us with incorrect information about the Payee you wish to pay.

f. You have provided us with an incorrect account number for a Payee or an account number for an account to which you did not intend to make a payment.

g. The Payee mishandles or delays handling or posting any payment we send.

h. Circumstances beyond our control (for example, fire, flood, interference from an outside source, postal delays) prevent or delay the transfer or payment from being completed.

i. We were unable to complete the payment for technical reasons but notified you in product or by email no later than the next business day that the payment could not be completed.

j. You have not complied with all of the terms of the Quicken Bill Manager Terms of Use with regard to the payment.

Provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Funding Account, or if we cause funds from your Funding Account to be directed to a Payee which does not comply with your Payment Instructions, we shall be responsible for returning the improperly transferred funds to you, and, if applicable, for late payment related charges to the extent described above. THIS IS OUR ONLY OBLIGATION TO YOU FOR ANY PAYMENT DELAYS OR FAILURE. IN ADDITION, IF YOU DO NOT FOLLOW THESE RULES OR IF YOU DO NOT ALLOW US ENOUGH TIME TO COMPLETE A PAYMENT, YOU ALONE ARE RESPONSIBLE FOR ANY PENALTIES OR LATE CHARGES ON THAT PAYMENT.

If we duplicate a payment or process a payment for an amount higher than you requested, we will use reasonable efforts to recover the overpayment from the Payee. If we can recover an overpayment that was charged to your Funding Account, we will return the amount of the overpayment to you. Under some circumstances, biller limitations may require us to execute a payment for a smaller amount than you have specified; if this occurs, we will notify you no later than the business day following the day on which the payment was initiated.

Usage Limitations, Obligations and Availability. You agree that you will not provide access to the Services to any party other than yourself and that you are required to take appropriate safeguards against unauthorized use of the Services. You agree to use the Services only for lawful purposes. The availability of the Services may be subject to interruption and delay due to causes beyond our reasonable control.
Changes to the Services and the Bill Manager Terms of Use. We reserve the right to change the Services and the Bill Manager Terms of Use, including fees, in our sole discretion and from time to time. In such event, we may provide notice to you. If you do not agree to any amendments after receiving a notice of the change to the Services, we may prevent you from using the Services. Your use of the Services after a change(s) is published will constitute your agreement to such change(s). Further, we may, from time-to-time, revise or update the applications, services, and/or related material. Such actions may render all such prior versions obsolete.

Payment Cancellation Requests. You may cancel or edit any submitted payment by following the directions within the Services. There is no charge for canceling or editing a scheduled payment. Once a payment has begun processing it cannot be canceled or edited.

Prohibited Payments. The following payments are prohibited through the Services: (a) payments to Payees outside of the United States or its territories, (b) payments to unlawful Internet gambling sites, (c) certain payments to or at the direction of any government agency or entity, and (d) payments pursuant to court-ordered payment plans. In no event shall the Services be liable for any claims or damages resulting from your scheduling of these types of payments. The Services Guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and/or processed by the Services. The Services have no obligation to research or resolve any claim resulting from a prohibited payment including without limitation a tax payment, court-ordered payment or exception payment. All research and resolution for any prohibited, misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Services.

Fees and Additional Charges. If you are charged monthly for use of Quicken Bill Manager, you will be charged for the entire month even if you do not make the full number of bill payments to which you are entitled during that month. There also may be a charge for additional bill payment transactions if you exceed your monthly transaction quota. Any applicable fees for your use of the Services will be calculated and deducted automatically from your Funding Account by ACH debit on a monthly or as-used basis. Quicken Bill Manager subscription tier pricing is subject to change at any time. Pricing information can be found on your My Quicken Account page.

Our Right to Refuse to Make Payments or Suspend or Terminate Your Access to Quicken Bill Manager. We may refuse to make any payment or suspend or terminate your access to Quicken Bill Manager if:

a. We believe your payment activity is prohibited by law or it is otherwise prohibited by these Terms of Use or our internal risk mitigation criteria;

b. Your payment or registration information with Quicken or a Third-Party Service Provider is not accurate, current, and complete; or

c. You have a balance owing to Quicken.

Changes to Your Information. You agree to promptly update all your account information including, but not limited to, name, physical address, e-mail address and Funding Account information. We are not responsible for any mail we send to your old mailing or e-mail address prior to receiving updated information from you. All changes made are effective immediately for scheduled and future payments paid from the updated Funding Account information. We are not responsible for any payment processing errors or fees if you do not update your account information, or if you do not provide accurate Funding Account or contact information.

Disclaimer of Warranty. YOU EXPRESSLY AGREE THAT USE OF THE SERVICES IS AT YOUR SOLE RISK, AND THAT THE SERVICES ARE PROVIDED "AS IS" WITH NO WARRANTIES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF AVAILABILITY, RELIABILITY, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

Indemnity. You agree to defend, indemnify and hold us, our service providers, affiliates, agents, and assigns, and Quicken Inc. (collectively "Indemnitees"), harmless from and against all losses, damages, costs, expenses and attorneys' fees incurred by the Indemnities in connection with any third-party claims arising out of your use of the Services.

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