This is an example page. It’s different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this:
Hi there! I’m a bike messenger by day, aspiring actor by night, and this is my blog. I live in Los Angeles, have a great dog named Jack, and I like piña coladas. (And gettin’ caught in the rain.)
…or something like this:
The XYZ Doohickey Company was founded in 1971, and has been providing quality doohickies to the public ever since. Located in Gotham City, XYZ employs over 2,000 people and does all kinds of awesome things for the Gotham community.
As a new WordPress user, you should go to your dashboard to delete this page and create new pages for your content. Have fun!
Manage your spending with peace of mind
Add another layer of security by receiving a text message notification anytime your Mango Card is swiped. With SMS alerts it’s easy to keep track of your budget by getting you your Mango Card balance after every purchase. SMS alerts are a great way to know when and what comes out of your Mango Card. The best part is, we don’t charge customers for SMS alerts.
Customer Service Number:
Mango Prepaid Master Card, P.O. Box 315
New York, NY 10018
Double your tax refund – We will randomly select one grand-prize Double Your Tax Refund winner and ten $50 winners every month, from January 1st to April 30th, 2012. Direct Deposit your tax refund onto your Mango Card today for a chance to win!
Get your money fast – Direct Deposit your tax refund onto your Mango Card, you can expect your money back in about 8 to 10 business days.
It’s easy to enter – Sign up by logging into your Mango online account and clicking on the 2X Your Tax Refund Notification.
“Win 4X Your Tax Refund” Official Rules
No purchase or payment of any kind is necessary to win. All entries have an equal chance of winning. First Bank & Trust, Brookings, SD, Member FDIC (the “Bank”), and MasterCard® International Incorporated are not sponsors of this Sweepstakes and are not affiliated with this promotion. MasterCard is a registered trademark of MasterCard International Incorporated.
Name and Address of Sponsor: Rêv North America, Inc.(“Rêv”), PO Box 2067, Austin, TX 78767.
Eligibility: Contest is open only to residents of the United States who are 18 years of age or older and have a social security number or Tax ID number (TIN). Employees of Rêv, and/or its affiliates, agents, retail distributors and their family members are not eligible to win. This Sweepstakes is subject to all applicable federal, state, and local laws and regulations. Void where prohibited. By entering, participants agree to be bound by these Official Rules, including all eligibility requirements and the decisions of the Sponsor, which are final and binding. Participants release and hold harmless Sponsor, its affiliates, and their respective agents, representatives, officers, directors, shareholders, and employees (the “Releasees”) from any claims, actions, injury, loss, or damage of any kind, including, without limitation, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Sweepstakes or from the acceptance, possession, or use or misuse of a prize. This limitation of liability is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect, or consequential damages; loss of data, income or profit; loss of damage to property; and claims of third parties. Participants agree that Releasees have not made nor are in any manner responsible or liable for any warranty, representation, or guarantee, statutory, express or implied, including, without limitation, the implied warranties of merchantability, title, and fitness for a particular purpose), in fact or in law, relative to this Sweepstakes.
Promotion Dates: You can participate between January 18, 2014 at 12:00:01 AM CT and April 15, 2014 at 11:59:59 PM CT (“Period of Participation”)
How to Enter: To be automatically entered for a chance to win Rêv’s 4x Your Tax Refund (the “Sweepstakes”), participants must fulfill one of the following criteria during the Period of Participation:
- Direct deposit your federal and/or state electronic tax refund equal to or greater than $100 (IRS Form and line numbers are for example purposes only. Contact your tax preparer or the IRS for details). Participants will receive one entry for each qualifying tax refund direct deposit (maximum two (2)) loaded during the Period of Participation; or
- Click on the “No Purchase Necessary” form (the “Form”) and complete all fields before clicking on the “Submit” button. One entry per person, maximum $100 grand prize. By submitting the Form, you agree to allow Sponsor and its affiliates to periodically send you promotional materials and offers.
You are eligible for the Grand Prize drawing when a qualifying tax refund is direct deposited to your Mango Prepaid MasterCard®, or you complete the Form. Time frames for receipt of an electronic tax refund are IRS guidelines only. You may not receive your federal and/or state tax refund within these time frames. Under no circumstances is Sponsor liable for missing, late or incorrect tax refunds, returns or return documentation. Once the participants’ qualifying direct deposit has been loaded, participants are eligible for each subsequent monthly drawing until: (i) participant’s entry is selected as a winner; or (ii) the Period of Participation ends. Sponsor will collect information from the participants for purposes of confirming US taxpayer status, notifying the Grand Prize winner and sending promotional materials and offers. Sponsor will not share this information with any unaffiliated third party, except as necessary for the administration of this Sweepstakes, the administration and awarding of the prize and winner notification, as applicable. Sponsor or its affiliates may also attempt to contact participants to promote Sponsor’s products and services. All entries will be the property of the Sponsor and will not be returned to the participants. Sponsor is not responsible for printing or typographical errors in any Sweepstakes-related materials; stolen, lost, late, misdirected, damaged, incomplete, or illegible entries; or applications/forms processed late, incorrectly, or lost due to computer, electronic malfunction, or human error. Sponsor reserves the right to cancel or modify this Sweepstakes if fraud or technical failures compromise the integrity of this Sweepstakes as determined by Sponsor in its sole discretion.
Method of Selecting Winner: The Grand Prize Winner (“Winner”) for the Sweepstakes will be randomly selected (in Austin TX) from among all eligible entries, on or before April 22, 2014. Winner will be notified by email within five (5) business days of being selected. Odds of winning depend on the number of entries. Winner need not be present to win.
Prize: Sponsor prize will include: One Grand Prize Winner who will receive a cash reward of at least $100 (if the winning entry was submitted via Sponsor’s Form), up to a maximum $4,000, the actual amount to be determined by an amount that is four times the amount of the Winner’s tax refund previously loaded onto Winner’s Card. Winner will receive their prize amount loaded onto their Card. Sponsor will send a check to a Winner who entered using Sponsor’s Form, within ten (10) business days of the end of the Period of Participation. Winner is solely responsible for all other expenses not specified herein, including but not limited to applicable taxes, card fees, and check cashing fees.
The Grand Prize Winner’s name will be available after the Sweepstakes ends, on Sponsor’s websites. To obtain a paper copy, send a self-addressed, postage paid envelope with the heading “4x Your Tax Refund – Winner List” to Rêv Customer Service, PO Box 2067, Austin, TX, 78767.
To obtain a copy of these Official Rules, mail a self-addressed, postage paid envelope with the heading “4x Your Tax Refund Sweepstakes– Rules” to Rêv Customer Service, PO Box 2067, Austin, TX, 78767.
Taxes (federal, state, and local) are the sole responsibility of the Grand Prize Winner and Winner may be required to complete tax forms. Winner has to comply with all applicable federal, state, and local laws related to the awarding of a cash prize. Void where prohibited by law.
Except where prohibited, all issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of participants and Sponsor in connection with this Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Texas, without giving effect to any choice of law or conflict of law rules (whether of the State of Texas or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of Texas. Jurisdiction and venue shall be solely within any state or federal court sitting in Austin, Texas.
Mobile Account Management**
Mango allow you to check your balance with your mobile phone
Visit your Mango cardholder portal online or by using your mobile device.*
What Dreams Are Made Of
Congratulations to the winners and finalists
1st Place – Adriana Campos: $1,000 + photo signed by George Lopez
Mango Prepaid Mastercard Cardholder Agreement
IMPORTANT – PLEASE READ CAREFULLY
1. Terms and Conditions for the Mango Prepaid Mastercard®. This document is an agreement (“Agreement”) containing the terms and conditions that apply to the Mango Prepaid Mastercard® that 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. By accepting and/or using this Card, you agree to be bound by the terms and conditions contained in this Agreement. The “Program Manager” for the Mango Prepaid Mastercard is Praxell, Inc. and the Customer Service telephone number is 855-687-2036 or the toll-free telephone number on the back of your Card. In this Agreement, “Card” means the Mango Prepaid Mastercard issued to you by the Bank, including any Physical Card, Virtual Card, and Secondary Card(s)(each as defined below) you may request, as permitted under this Agreement. “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,” “our,” and “Bank” mean Metropolitan Commercial Bank, together with its successors and assigns. “Program Manager” means Praxell. Inc, together with its successors and assigns. The Card will remain the property of the 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.
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains a Card. What this means for you: When you apply for a Card, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We also may ask to see your driver’s license or other documentation bearing your photo as verification of your identity. By participating in the Card 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 your Card. In addition, funds tied to suspected illicit or illegal activity may be subject to both internal and potentially federal investigation. We reserve the right to restrict or delay your access to any such funds.
2. Your Card. The Card is a prepaid card. The Card allows you to access funds loaded or deposited to your Card Account by you or on your behalf. The funds in your Card Account will be FDIC-insured once we have verified your identity. You may access the funds in your Card Account by using your Card by automated clearinghouse (“ACH”) debit using your Account Number. 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. The funds in your Card Account will not expire, regardless of the expiration date on the front of your Card.
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 discretionas set forth in the Section of this Agreement titled “Amendment and Cancellation.”
4. Authorized Users. You may not request an additional Card (“Secondary Card”) to allow another person to access the funds in your Card Account. If you permit another person to have access to any Card or Card Number, you are liable for all transactions made with any Card, Card Number or Account Number, and all related fees incurred, by those persons. To cancel your Card, telephone the toll-free number on the back of your Card 855-687-2036, and you must follow-up not later than 10 business days with the written notification to revoke (cancel) permission for any person you previously authorized to use your Card. Until we have received your notice of such a revocation (cancellation) and have had a reasonable time to act upon the written notification of cancellation, you are responsible for all transactions and fees incurred by you or any other person you have authorized. If you tell us to revoke (cancel) your Card, we may revoke (cancel) your Card and issue a new Card with a different Card Number and/or Account Number. You are wholly responsible for the use of each Card according to the terms of this Agreement, subject to the Section labeled “Lost or Stolen Cards/Unauthorized Transfers” below, and other applicable laws.
5. Card Account Use and Purpose. Subject to the limitations set forth in this Agreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below titled “Adding Funds to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is honored as long as you do not exceed the value available in your Card Accountor the Daily Purchase Limit (as defined in the table below), (4) withdraw cash from your Card Account (as described in the Section below titled “Using Your Card to Get Cash,” and (5) make payments to third parties directly from your Card Account. There may be fees associated with some of these transactions. For fee information, see the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement. You agree not to use your Card for illegal gambling or any other illegal purpose.
You will be provided with our routing number and assigned a 16 digit Account Number once your identity has been verified. Our routing number and your assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized automated clearinghouse(“ACH”) debit transactions only. The 16-digit Card Number embossed or printed on your Card should not be used for these types of transactions or they will be rejected. You are not authorized to use ourrouting number and Account Number if you do not have sufficient funds in your Card Account or to make a debit transaction These debits will be declined, and your payment will not be processed. You also may be assessed an ACH Decline Fee (see the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement)
6. 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 Daily Purchase Limit and the total amount of cash withdrawals (including withdrawals from a teller inside a bank office) that you can perform in any single day is limited to the Daily Withdrawal Limit (as defined in the table below). The maximum aggregate value of your Card Account(s) may not exceed $10,000.00 at any time. The maximum value will be determined by aggregating the activity and value of all Card Accounts you may have with the Program. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. The following grid is provided in order to highlight the frequency and limitations of cardholder transactions in a single day or additional time frame if warranted:
|Transaction/load type||Maximum amount|
|Maximum balance on the card||$10,000.00 (includes all cash and direct deposit loads)|
|Withdrawals||$500.00 per day (includes all bank teller, ATM and cash back from POS purchases) (the “Daily Withdrawal Limit”)|
|Cash withdrawal (ATM)||$500.00 per day|
|Cash withdrawal (bank teller)||$500.00 per day|
|Purchases (POS)||$2,500.00per day (the “Daily Purchase Limit”)|
|Value loads||Any combination of the load types listed below to not exceed the maximum balance of $5,000.00per day|
|Direct deposits||$5,000.00per day. Up to $10,000.00 with additional verification.|
|Cash deposits||$950.00per day|
|Card-to-card transfers||$1,700.00per day and $10,000 per month|
|ACH deposits (bank-to-card transfers)||$5,000.00per day(includes all cash and direct deposit loads)|
7. Personal Identification Number (“PIN”). When you activate your Card and after your identity has been verified, we will give you a PIN that you may use with your Card. Only one PIN will be issued for each Card Account. You will need a PIN to obtain cash at an ATM or to make a PIN purchase or obtain cash back at a point-of-sale (“POS”) terminal. You should not write or keep your PIN with your Card. If you believe that anyone has gained unauthorized access to your PIN, you should immediately call the number on the back of your Card 855-687-2036, or send notice through go.mangomoney.com or write to the Program Manager at Mango Prepaid Mastercard, PO Box 315, New York, NY, 10018
8. Adding Funds to Your Card Account. You may add funds to your Card (called “value loading” or “loading”) at any time. The maximum load amount is $5,000.00 per day. Note: Some reload locations may have additional limits on the minimum amount you may load to your Card. The maximum aggregate value of funds in your Card Account(s) may not exceed $10,000.00 at any time. You agree to present the Card and meet identification requirements to complete value load transactions as may be required from time to time. Load locations may have their own load limits that may beless than our allowable amount. Load locations also may assess a fee to load funds to your Card Account. You also may direct deposit funds to your Card Account by providing our routing number and your assigned Account Number to your employer or other directdeposit payor (as described in the Section above titled “Card Account Use and Purpose”). You cannot load your Card Account by check or money order.
9. Using Your Card to Get Cash. With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine (“ATM”) that bears the Mastercard® or Cirrus® or Pulse brands , or (ii) obtain cash at merchants or banks that have agreed to provide cash back at POS terminals bearing the Mastercard® or Maestro ®brands. All ATM transactions are treated as cash withdrawal transactions. The maximum amount of cash you may withdraw at an ATM on a daily basis is $500.00 as described in the Section above titled “Limitations on Frequency and Dollar Amounts of Transactions.” We may limit the amount of any individual ATM withdrawal, and merchants, banks and ATM operators may impose additional withdrawal limits. You will be charged a fee by us for each cash withdrawal and balance inquiry made at an ATM or cash withdrawal obtained through a bank teller, in the amount disclosed in the accompanying “Schedule of Fees and Charges (Schedule A).” In addition, when you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
10. 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.
11. Transactions Using Your Card Number.If you initiate a transaction without presenting your Card (such as for a mail order, internet or telephone purchase, or an ACH debit purchase), the legal effect will be the same as if you used the Card itself.
12. Your Obligation for Negative Balance Transactions. Each time you initiate a Card transaction, you authorize usto 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. You may also be liable for any related Insufficient Funds/NSF Fee(s) as set forth in the accompanying “Schedule of Fees and Charges (Schedule A).” 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.
13. Business Days. Our business days are Monday through Friday, excluding federal and legal banking holidays in the State of New York.
14. 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 titled “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 you use your Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, and wewill 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 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. We will only charge your Card for the correct amount of the final transaction, and we 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.
15. Recurring Transactions. If you intend to use your Card for recurring transactions, you should monitor your balance and ensure you have funds available in your Card Account to cover the transactions. “Recurring transactions” are transactions that are authorized in advance by you to be charged to your Card at substantially regular intervals. We are not responsible if a recurring transaction is declined because you have not maintained a sufficient balance in your Card Account to cover the recurring transaction. If these recurring transactions may vary in amount, the person you are going to pay should tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) If your Card was obtained through your employer or you receive electronic deposits of federal payments to your Card: If you have told us in advance to make regular payments (i.e., recurring transactions) from your Card Account, you can stop the payment by calling the number on the back of your Card, 855-687-2036 or by sending notice through go.mangomoney.com or by mailing notice to Praxell, Inc Mango Prepaid Mastercard, P.O. Box 315, New York, NY, 10018, least three business days before the scheduled date of the transfer. If you call, we also may require you to put your request in writing and get it to us within 14 days after you call. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your direct losses or damages. If you have authorized a merchant to make the recurring transaction, you also should contact the applicable merchant in order to stop the recurring transaction.
16. Preauthorized Credits. If you have arranged to have direct deposits made to your Card Account at least once every 60 days from the same person or company and you do not receive a receipt/statement (or paystub), you can call the number on the back of your Card or 855-687-2036 to find out whether or not the deposit was made, or go to go.mangomoney.com.
17. 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 days from the date the refund transaction occurs.
18. 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. We 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 the number on the back of your Card or 855-687-2036. You agree not to use or allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. Our 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 titled “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 can waive or delay enforcement of any of our rights under this Agreement without losing them.
19. 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, you will be charged a fee on the transaction (including credits and reversals) as set forth in the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement. This fee is in addition to the currency conversion rate. If the transaction is in a currency other than the currency of the country in which your Card was issued, the merchant, network, or card association that processes the transaction may convert the transaction (including credits and reversals) into the currency of your Card in accordance with its policies and rates in effect at the time of the transaction. If Mastercard International(“Mastercard”) converts the transaction, it will establish a currency conversion rate for this convenience using a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Mastercard itself receives, or the government mandated rate in effect for the applicable central processing date.
20. Receipts. You should get or request a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipts to verify your transactions. You can get a receipt at the time you make any transfer from your Card Account using one of our ATM terminals.
21. Obtaining Balance and Transaction Information for Your Card; Periodic Statements Alternative. 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 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 shown on the back of the Card. You also have the right to obtain a 24-month written history of account transactions by calling the number on the back of your Card or 855-687-2036, or by visiting go.mangomoney.com, or by writing to Mango Prepaid Mastercard, P.O. Box 315, New York, NY, 10018 .
23. Our Liability for Failure to Complete Transactions. If we do not complete a transfer to or from your Card Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or direct damages. However, there are some exceptions. We will not be liable, for instance: (1) if, through no fault of ours or of the Program Manager, there is not enough funds available on a Card to complete a transaction; (2) if a merchant refuses to accept a Card; (3) if access to a Card has been blocked after it, the associated PIN or any Access Code is reported lost or stolen; (4) if there is a hold or the funds are subject to legal process or other encumbrance restricting their use; (5) if we or the Program Manager have reason to believe the requested transaction is unauthorized; (6) if circumstances beyond our or the Program Manager’s control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we or the Program Manager have taken; or (7) for any other exception stated in this Agreement.
24. In Case of Errors or Questions about your Card Account. If you think an error has occurred in your Card Account, promptly call the number on the back of your Card, 855-687-2036, provide notice through go.mangomoney.com or write to Mango Prepaid Mastercard, P.O. Box 315, New York, NY, 10018. We will allow you to report an error until 60 days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling the number on the back of your Card or 855-687-2036, or by visiting go.mangomoney.com, or writing to the Program Manager atPraxell, Inc., -P.O. Box 315, New York, NY, 10018. You will need to tell us: (1) your name 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 you tell us orally, we will require that you send your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Card within 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 to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within 10 business days, we may not credit your Card Account. For errors involving new Cards (that is, Cards for which the initial deposit or value load occurred within the last 30 days), POS transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three business days after completing the investigation. If we decide that there was no error, we will send you a written explanation and debit your Card Account for the amount of the provisional credit. 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 the Program Manager at the number on the back of your Card.
25. Lost or Stolen Cards/Unauthorized Transfers. If you believe your Card, Access Code(s), or PIN has been lost or stolen, call the number on the back of your Card,or 855-687-2036,or send notice through go.mangomoney.com, or write to the Program Manager at Mango Prepaid Mastercard, P.O. Box 315, New York, NY, 10018. You should also call 855-687-2036, the number on the back of your Card or write to the address shown here if you believe an electronic transfer has been made using the information from your Card, Access Code(s), or PIN without your permission.
26. Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over the information related to your Card Account, including your Card, Access Code(s) and PIN. Tell us AT ONCE if you believe your Card, Access Code(s), or PIN 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, tell us at once. The best way to keep your losses down is by calling the toll-free number on the back of your Card, 855-687-2036. You could lose all of the money in your Card Account. If you tell us within two 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 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 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 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.
Mastercard’s Zero Liability Policy. Under Mastercard 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).
27. Other Terms. Your Card and your obligations under this Agreement may not be assigned. Wemay 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. Wedo not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement is 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.
28. Amendment and Cancellation. Wemay 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 before the effective date of the change. However, if the change is made for security purposes, wemay implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You also may cancel this Agreement by calling the number on the back of your Card,855-687-2036. If you cancel your Card, you may zero out your Card Account balance before closing your Card Account or request that we send you a check in the amount of your Card Account balance when you close your Card Account, which we will do for a fee as set forth in the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement. If your Card is canceled by us when your 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.
29. 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.
30. No Warranty Regarding Goods and Services. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.
31. 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 us, or between you and Praxell, Inc. as Program Manager for the Mango Prepaid 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 Bank, theProgram 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 atwww.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. This section of this Arbitration Provision is the “Class Action Waiver.”
(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 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, 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.
(g) Public Injunctive Relief: If a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated.
(h) No Preclusive Effect:No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.
(i)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.
32.Prefunded Check Transactions (“Check Terms”). Prefunded Check Transactions are not applicable to this program.
33.Delivery of Electronic Communications 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 and failure to consent will result in a declined application for a Mango Prepaid Mastercard, except as provided below.
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:
- All legal and regulatory disclosures and communications associated with your Card Account and any related products or services
- Your Cardholder Agreement and any notices about a change in terms of your Cardholder Agreement
- Privacy policies and notices
- Error resolution policies and notices
- Responses to claims filed in connection with your Card Account
- Notices regarding insufficient funds or negative balances
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 at go.mangomoney.com..
How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by calling the number on the back of your Card, 855-687-2036 or by emailing a request to: email@example.com, or by writing to the Program Manager at Mango Prepaid Mastercard, P.O. 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 your 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 go.mangomoney.com or by calling the number on the back of your Card or855-687-2036.
Hardware and Software Requirements. In order to access, view, and retain Communications that we make available to you electronically, you must have:
- An Internet browser that supports 128 bit encryption
- Google Chrome 52.0.3203.94 or above, Firefox 57.0 or the equivalent software Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit
- An e-mail account with an Internet service provider and e-mail software
- A personal computer (for PCs: i3 core CPU or higher, 4GB memory), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in via a plain text-formatted e-mail or by access to our web site using browser specified above or equivalent.
- software Adobe Reader version 11 or higher if using Windows 10, Windows built-in with Microsoft Edge.
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, call the number on the back of your Card:855-687-2036, or visit go.mangomoney.com, or write to the Program Manager at Mango 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.
|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.
|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
|For our marketing purposes –
to offer our products and services to you
|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 nonaffiliates to market to you||No||We don’t share|
|Questions?||Call 1-866-363-8226 or go to www.mcbankny.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.
|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.
|Affiliates||Companies related by common ownership or control. They can be financial and non-financial companies.
|Non-affiliates||Companies not related by common ownership or control. They can be financial and non-financial companies.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|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 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.
SCHEDULE OF ALL FEES AND CHARGES FOR Mango Prepaid Mastercard®
|Monthly fee||$5.00||Monthly fee assessed on the 1st day of each month. The first monthly fee will be assessed after a period of at least 30 days. The monthly fee is waived if $800 or more in monthly deposits, must post prior to 7 a.m. EST on the last day of the calendar month. Replaces monthly fee after 90 days of inactivity, until new activity occurs.|
|GreenDot reload||$0.00||Third party fees apply. For locations and details, go to: https://www.attheregister.com/cashreload|
|GreenDot unload||$0.00||Third party fees apply. For locations and details, go to: https://www.attheregister.com/cashreload|
|Bank teller withdrawal||$2.50||Per Withdrawal|
|ATM balance inquiry||$1.00||Per inquiry. (in-network or out-of-network)|
|ATM Withdrawal (in-network or out-of-network)||$3.00||Third-party fees apply.|
|ATM withdrawal (declined)||$1.00||Per ATM withdrawal (declined)|
|Using your card outside the U.S.|
|ATM withdrawal (int’l)||$4.95 + 3% of withdrawal amount||Per Withdrawal|
|POS PIN debit purchase (int’l)||$3.00 + up to 3% of purchase amount||Per POS PIN debit purchase (int’l)|
|POS signature purchase (int’l)||$3.00 + up to 3% of purchase amount||Per POS signature purchase (int’l)|
|Inactivity||$8.00||Inactivity fee replaces monthly fee after 90 days of inactivity, until new activity is conducted.|
|Close card||$10.00||Charged when you close your Card and includes the cost of issuing a check to you for the remaining balance on your Card account, if any.|
|Expedited replacement card||$29.95||Expedited delivery typically 4-7 business days; standard delivery (no charge) typically 7-10 days|
Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails, 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 Praxell, Inc. by calling 855-687-2036, by mail at Mango Cardholder Services, P.O. Box 315, New York, NY, 10018, or visit go.mangomoney.com.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.
Set up direct deposit of your tax refund onto your Mango Prepaid MasterCard®
Don’t worry, direct depositing your tax refund onto your Mango Prepaid MasterCard® is easy; just add the following information to your IRS tax return (1040EZ Form: Lone 13b, c, and d, or 1040 Form: Line 76b, c, and d).
- Enter your Mango Routing number: 1149-9419-6
- Mark the box that says “checking”
- Enter your 12-Digit Mango Account number
Note: Your Mango Account Number is NOT your Mango Prepaid MasterCard® Number. You can find your Mango Account Number in the account center, as shown below.
Here’s how to fill out your 1040EZ IRS Tax Form to have your tax refund loaded directly to your card: