References to "you" and "your" mean any person using our website or Services. Unless stated otherwise, "WilliamPaid", "WP", "we" and "our" refers to William Paid LLC and its affiliates. Capitalized terms not otherwise defined have the definitions set forth herein.
We are not responsible for any failure to complete or delay in completing any payment due to any of the following:
Provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your account (or charged to your credit card), or if we cause funds from your initiated payment to be direct to a payee which does not comply with your payment instructions, we shall be responsible for returning or crediting the improperly transferred funds. THE FOREGOING SHALL BE THE SOLE AND EXCLUSIVE REMEDY TO YOU FOR ANY PAYMENT DELAYS OR FAILURES OF ANY KIND. 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 AND ALL PENALTIES, LATE CHARGES OR OTHER EXPENSES RELATING TO THAT PAYMENT. WilliamPaid reserves the right to require third party verification of such damages (including an Affidavit by the intended payee) prior to payment hereunder. Notwithstanding the foregoing, WilliamPaid reserves the right to take remedial actions in its discretion including the delay, suspension or termination of a transaction in the event it believes it may be invalid or unauthorized use due to fraud, mistake, violation of these terms or any other reason, and WilliamPaid shall not be responsible for any resulting processing delay or failure due to such action. Further, WilliamPaid shall not be liable for any payment delay or failure to the extent that a User had knowledge of a processing error and could have mitigated any damages relating hereto.
Please keep in mind that you will be primarily responsible for ensuring that proper payment is received by your payee in a timely manner.
If your bank account statement shows payments that you did not authorize, notify us IMMEDIATELY. If you do not notify us within ninety (90) days after the statement was mailed to you (or electronically available), you may not get back any of the unauthorized payments made after ninety (90) days if we can prove that we could have prevented the unauthorized payments if you told us in time.
An unauthorized electronic fund transfer is an EFT conducted by a person who does not have actual, implied or apparent authority to use your account and which does not benefit you. If you give your login credentials to another person, all EFTs by that person are authorized unless and until you notify us that payments by the person are no longer authorized by you and you change your login credentials.Notwithstanding the foregoing, if we have provided you with notice of an account change that you did not authorize, we will not be liable for any unauthorized transactions following such notice to you.
"Business Days" means those days for which banks located in Chicago, Illinois are open for business.
"Communications" means any notices, e-mails, letters or any electronic or written contact with a User regarding User’s account and/or his or her use of the Services or our website.
"Information" means any confidential or personally identifiable information or other information related to an account or a User, including, without limitation, name, email address, street address(es), phone number and financial information.
"Landlord" means an individual or entity receiving funds (or signing up to receive funds) from WilliamPaid.
"Services" means our website and our products and services directed to renters, roommates, landlords, group members and others, including, without limitation, our rent management and administration services, rent payment services, credit reporting and credit-related products and services, affiliate marketing, User Agreements, bill verification, roommate tools, , advice or suggestions with respect to credit or other topics and any related products and services offered by WilliamPaid, whether or not they are specifically described in this Agreement.
"User" means any person who uses our website or Services.
"WilliamPaid" means William Paid LLC, an Illinois limited liability company having its principal offices at 1910 First St., Suite 2N, Highland Park, Illinois 60035, and any subsidiary or successor companies, affiliates, officers, employees, agents and any name under which William Paid LLC conducts business, including, without limitation, on its website accessible on the Internet at www.williampaid.com.
This disclosure is given in compliance with the Electronic Signatures in Global and National Commerce Act (“E-SIGN”) 15 USC §7001, et seq., and the Uniform Electronic Transactions Act, as adopted by the various States.
This disclosure relates to Services provided by WilliamPaid, including, without limitation, electronic fund transfers, the use of electronic signatures and the use and storage of “electronic records” as defined in the E-SIGN Act. This policy describes how WilliamPaid delivers communications to you electronically. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. If, however, the revised version includes a substantial change, we will provide you with 30 days’ prior notice by posting a notice of the change on our website.
Electronic delivery of communications
We will provide these Communications to you by posting them on our website and/or by emailing them to you at the primary email address listed in your profile.
Hardware and software requirements
In order to access and retain electronic Communications, you will need the following computer hardware and software:
We will notify you if there are any material changes to the hardware or software needed to receive electronic Communications from WilliamPaid. By giving your consent, you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records. You may print or save a copy of these Communications for your records as they may not be accessible online at a later date.
How to withdraw your consent
You have the right to withdraw your consent at any time. To withdraw consent, you may send a written request to WilliamPaid LLC, Attention: Legal Department, 1910 First St., Suite 2N, Highland Park, Illinois 60035 or through our website at www.williampaid.com/contactus. If consent is withdrawn, WilliamPaid reserves the right to discontinue your access to our Services, terminate your account or charge you additional fees for paper copies.
Requesting paper copies of electronic Communications
If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above. We will send your paper copy to you by U.S. mail. In order for us to send you paper copies, you must have a current street address on file as your “Home” address in your profile. If you request paper copies, you understand and agree that WilliamPaid may charge you a Paper Communications Fee for each Communication at the current rate.
Updating your contact information
It is your responsibility to keep your primary email address up to date so that WilliamPaid can communicate with you electronically. You understand and agree that if WilliamPaid sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, WilliamPaid will be deemed to have provided the Communication to you. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add WilliamPaid to your email address book so that you will be able to receive the Communications we send to you. You can update your primary email address or street address at any time by logging into the WilliamPaid website and updating your account information. If your email address becomes invalid such that electronic Communications sent to you by WilliamPaid are returned, WilliamPaid may deem your account to be inactive, and you will not be able to transact any activity until we receive a valid, working primary email address for you.
You acknowledge the following:
From time to time, it may be necessary for WilliamPaid to verify your bank account information. You grant WilliamPaid the right to validate the authenticity of your respective bank accounts and shall provide written authorization on behalf of WilliamPaid, if required by your respective financial institution. You will not request that WilliamPaid affect fund transfers exceeding your transfer limitations or the available balance of the nominated bank account (including any overdraft allowances by your bank). If there are insufficient funds in your bank account to cover a requested transaction, or if your bank rejects a payment for any other reason, WilliamPaid may charge you an Non-sufficient Funds Fee (“NSF fee”) according to its then current fee schedule. In case of insufficient funds, you will receive prompt notification. You acknowledge that WilliamPaid is not responsible for any problems or delays in the ACH, EFT or banking systems or for other problems or delays associated with such systems beyond its control. While WilliamPaid shall attempt to expedite EFT transactions on your behalf, WilliamPaid will not be responsible for any costs or liabilities incurred by you owing to delays beyond the time periods ordinarily required for funds clearance or to otherwise complete an ACH or EFT transaction. In the event WilliamPaid makes an EFT to one of your payees and is subsequently unable to collect those funds from you for any reason (including, without limitation, insufficient funds or fraud), the payment will be reversed and WilliamPaid will withdraw such funds from the recipient’s account. You expressly authorize such reversal consistent with the EFT and customary and prevailing ACH rules. WilliamPaid further reserves the right to use any and all other legal rights and remedies to recover amounts not collected via reversal of the payment as well as to recover other fees paid or losses incurred by WilliamPaid resulting from the reversed transaction.
Where applicable, relevant account information may be sent to a credit-reporting agency and/or a collection agency for further action. In addition, WilliamPaid will report instances of fraud, misrepresentation or other unlawful activity to appropriate administrative, judicial and law-enforcement agencies and shall cooperate fully with any investigation.
Consumer Liability for Unauthorized EFTs. A consumer may be held liable for unauthorized EFTs involving the consumer’s account pursuant to Section 205.6 of Reg E. Subject to any revisions to such act, if a consumer notifies the financial institution within two business days after learning of the loss or theft of an access device, the consumer’s liability shall not exceed the lesser of $50 or the amount of unauthorized transfers that occur before notice to the financial institution. If the consumer fails to notify the financial institution within two business days after learning f the loss or theft of access device, the consumer’s liability shall not exceed the lesser of $500 or the sum of (i) $50 or the amount of unauthorized transfers that occur within the two business days, whichever is less; and (ii) he amount of unauthorized transfers that occur after the close of two business days and before notice to the institution, provided the institution establishes that these transfers would not have occurred had the consumer notified the institution within that two-day period.
A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution's transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. When an access device is involved in the unauthorized transfer, the consumer may be liable for other amounts set forth in paragraphs (b)(1) or (b)(2) of this section, as applicable.
If the consumer's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.
Notice to a financial institution is given when a consumer takes steps reasonably necessary to provide the institution with the pertinent information, whether or not a particular employee or agent of the institution actually receives the information. The consumer may notify the institution in person, by telephone, or in writing. Written notice is considered given at the time the consumer mails the notice or delivers it for transmission to the institution by any other usual means. Notice may be considered constructively given when the institution becomes aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from the consumer's account has been or may be made.
Notice to WilliamPaid shall be given by contacting WilliamPaid at (877) 894-5542. Our address is 1910 First St., Suite 2N, Highland Park, Illinois 60035.
If state law or an agreement between the consumer and the financial institution imposes less liability than is provided by this section, the consumer's liability shall not exceed the amount imposed under the state law or agreement.
WilliamPaid provides this error-resolution notice in compliance with the Federal Reserve's Regulation E, which governs electronic fund transfers (EFTs). You may recognize EFTs by other names, notably direct deposits and direct debits. If you have selected EFTs in conjunction with your payment transaction, the Federal Reserve requires that you be given initial and annual notices of your rights regarding error resolution procedures involving your account and any EFTs relating to it which you believe may have been made incorrectly or contain an error. Please bear in mind that customer service is a top priority for us. Timeframes noted below are therefore the maximum periods allowed. WilliamPaid’s objective remains to respond as promptly and accurately as possible to your inquiries.
You may contact us through our website at www.williampaid.com/company/contact-us. You can also write to us at WilliamPaid LLC Attn: Electronic Transfers Department at 1910 First St., Suite 2N, Highland Park, Illinois 60035. You should contact WilliamPaid as soon as you can if you think there is a problem with your account, that your confirmatory e-mail or statement is wrong, that an EFT was made incorrectly or in error, or if you simply need more information about an EFT or other transfer noted on a confirmatory e-mail or statement. We must hear from you no later than sixty (60) days after we sent the FIRST confirmation in which the potential problem or error appeared.
If you contact us regarding an error, please be sure to do the following:
Please do NOT include sensitive information such as complete bank-account numbers if you wish to contact us via e-mail. WilliamPaid recommends confidential communications sent electronically instead be made by logging in to your account on our secure website. If you contact us orally, we may require that you also send WilliamPaid your complaint or question in writing (including via e-mail or on our secure website) within ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days after we receive contact from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to pursue such an investigation, we may credit your account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Such credits will be discretionary and made in good faith, taking into account the rights, obligations and expectations of both you and your counterparty. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not credit your account. For errors involving new accounts, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation (including via e-mail or as a message in your online account on our secure website). You may request copies or summations of documents and information used in our investigation. However, you are advised that given WilliamPaid’s largely automated business methods and processes, our investigation may be conducted primarily or entirely by electronic means. Consequently, documentation provided to you may be in similar format or replicated from WilliamPaid’s electronic investigation.
If WilliamPaid determines that the dispute is frivolous or irrelevant, WilliamPaid shall notify the User by mail or, if authorized by the consumer for that purpose, by other means available to WilliamPaid. Said notice shall include:
If WilliamPaid determines that the disputed information is inaccurate, WilliamPaid shall notify the User by mail or, if authorized by the consumer for that purpose, by other means available to WilliamPaid within five (5) Business Days of the determination and will promptly notify all credit reporting agencies ("CRA") to which WilliamPaid provided said information and request that they delete or modify the information as appropriate.
If WilliamPaid determines that more information is necessary to complete its investigation, WilliamPaid will notify the User, and the User's counterparty if necessary, and request additional information from them to help make a final determination as to the disputed information.
If WilliamPaid determines that the dispute is frivolous or irrelevant, WilliamPaid shall notify the CRA by mail or, if authorized by the CRA for that purpose, by other means available to WilliamPaid. Said notice shall include:
If WilliamPaid determines that the disputed information is inaccurate, WilliamPaid shall notify the CRA and the User by mail or, if authorized by the CRA or the User for that purpose, by other means available to WilliamPaid, within five (5) Business Days of the determination and will immediately request that CRA delete or modify the information as appropriate.
If WilliamPaid determines that more information is necessary to complete its investigation, WilliamPaid will notify the CRA and the User, and the User’s counterparty, if necessary, and request additional information from them to help make a final determination as to the disputed information.
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