Please note that we require 15 days to make EFT account changes. Funds will continue to pull from the previous account on file until the effective date listed.
NOTE: THESE TERMS AND CONDITIONS HAVE BEEN MODIFIED AS OF JUNE 2017
Your use of the HNI Online Payment Service (hereinafter referred to as “Online Payment” or the “Online Payment Service”) is subject to all terms and conditions contained in this Online Payment Service Agreement (this "Agreement"). Please read the Agreement carefully before proceeding, as your use of the Online Payment Service constitutes your acknowledgment of its terms and conditions and your agreement to be bound thereby.
I. Your Role.
Your role is extremely important in the prevention of any wrongful use of your bank account information. You must promptly examine your bank statements upon receipt. If you believe your bank statement is wrong or if you need more information about a transaction, please contact HNI.
The Online Payment Service does not validate its users’ account information. Incorrectly entering your bank account number or your bank's 9-digit ABA routing number can result in the rejection of your Online Payment request. Users of the Online Payment Service are solely responsible for ensuring, before submitting an Online Payment request, that their account is ACH debit-eligible and that they have entered the correct bank account and ABA routing numbers.
If you provide an incorrect bank account number or 9-digit ABA bank routing number or your electronic transfer is dishonored by your bank for any reason, you will be notified electronically via email that your Online Payment request was rejected. The notice will be sent to the email address as entered on the payment site. Non-delivery or non-receipt of such electronic notice does not under any circumstances entitle the user to any waiver of fees assessed because of any rejected Online Payment request.
II. SECURITY PROCEDURES
Data transferred via the Online Payment Service is encrypted to provide transmission security. Notwithstanding the efforts of the HNI to ensure that information transmitted to and from the Online Payment Service is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including email, occur openly on the Internet and can potentially be monitored and read by unauthorized parties. The HNI cannot and does not guarantee the security of data transfers using the Online Payment Service or email transmittals to or from the HNI.
You agree that all security procedures used by the HNI are commercially reasonable security procedures and you assume all risk of loss from unauthorized transactions involving your account. You further acknowledge that the HNI reserves the right to change the security procedures at any time upon notice to you (if such notice is required by law), and you agree that your continued use of the Online Payment Service shall evidence your acceptance of any such changed procedures and your acknowledgment as to the commercial reasonableness thereof.
2. Exercise Reasonable Care.
HNI will exercise good faith and reasonable care in processing your transactions. You will similarly exercise good faith and reasonable care in observing and maintaining security procedures, in communicating with the HNI, and in reviewing account statements for any errors or discrepancies.
III. GENERAL TERMS AND CONDITIONS
1. Terms of Agreement.
You understand and agree to the terms and conditions set forth in this Agreement. In the event of any conflict between one or more provisions of this Agreement and the provisions of any other applicable agreement, the provisions of this Agreement will control. Your use of the Online Payment Service is subject to all applicable laws and regulations, all of which, when taken together with this Agreement, shall constitute the complete agreement between you and the HNI regarding the subject matter hereof.
2. Electronic Funds Transfer Act.
This Agreement applies to personal accounts and business accounts, except as otherwise noted. As personal accounts, may be subject to the Electronic Funds Transfer Act ("EFTA"), some personal accounts will be governed both by the rules of the EFTA and this Agreement. If the EFTA applies to an account and there is a conflict between the rules of the EFTA and this Agreement, the EFTA's provisions will control.
3. Limits on Transfers.
Your ability to transfer funds between certain accounts is limited by federal law. For example, you can make no more than six (6) transfers from a Statement Savings, Passbook Savings, Ultimate Savings, or Money Market account during each statement period, and in the case of a Money Market account, no more than three (3) of such transfers may be made by check, draft, or similar order made by you and payable to a third party. Payments made using the Online Payment Service may be counted against the permissible number of transfers. Your bank may reserve the right to limit the frequency and dollar amount of transactions from your accounts for security reasons.
4. Changes in Terms of Agreement and Availability of Online Payment Service.
HNI reserves the right to modify the terms of this Agreement at any time. HNI further reserves the right to terminate the Online Payment Service, to make access thereto unavailable, or to modify the online content thereof, with or without notice at any time.
5. Information Accuracy.
HNI strives to provide complete, accurate, and timely account information. All information provided to you by HNI is either generated by HNI or obtained from sources believed by HNI to be accurate and reliable. However, because of the possibility of human, electronic, and mechanical errors; delayed updates; and other factors, such as the difficulty of securing a website from unauthorized alterations or the occurrence of a system breakdown or other unavailability, HNI does not provide any representations or warranties regarding the Online Payment Service, HNI website, or any information contained therein, and HNI will not be liable to you if any such information is unavailable, delayed, or inaccurate. THE ONLINE PAYMENT SERVICE, HNI WEBSITE, AND ALL INFORMATION CONTAINED THEREIN IS PROVIDED "AS IS" AND WITH ALL FAULTS, AND HNI MAKES NO REPRESENTATIONS AND DISCLAIMS ALL WARRANTIES (EXPRESS OR IMPLIED) OF EVERY KIND, INCLUDING WARRANTIES OR DUTIES (IF ANY) AS TO ACCURACY, TIMELINESS, COMPLETENESS, SUITABILITY, AVAILABILITY, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, OR LACK OF NEGLIGENCE OR VIRUSES. HNI makes no warranties against infringement or of quiet enjoyment, nor any other express or implied warranties of any kind whatsoever.
6. Computer Virus Information.
It is possible to contract a computer virus by using the Internet or materials downloaded from it. HNI attempts to keep its website virus-free, but HNI cannot guarantee that the website or any software or other information downloaded from it will be free of viruses. HNI is not responsible for any electronic viruses or other detrimental computer hardware or software infections that you may encounter, including, without limitation, any computer virus-related problems that may be associated your use of the Online Payment Service.
7. Your Computer and Software.
You are responsible for the installation, maintenance, and operation of your computer and your browser software. You assume all risk of error, failure, or non-performance, including the risk that you do not operate your computer or your software properly. HNI is not responsible for any errors or failures resulting from any malfunction of your computer or your software. HNI shall have no liability to you for any damage or other loss, whether actual, special, direct, indirect, consequential, punitive, or otherwise, which you may suffer or incur by reason of your use of the Online Payment Service or HNI website. HNI MAKES NO WARRANTIES TO YOU REGARDING YOUR COMPUTER OR YOUR SOFTWARE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
IV. LIMITATION OF LIABILITY
1. Limitation of Liability for Loss.
To the fullest extent allowed by law, you agree that HNI will be liable to you or any third party for any loss, property damage, bodily injury; any indirect, consequential, or incidental damages (including, but not limited to, lost profits or lost opportunity); or any other actual, special, or punitive damages whatsoever, which (i) arise out of or are directly or indirectly related to the Online Payment Service or any use of HNI website or the information contained therein, or (ii) result from any failure to complete any transaction, even if HNI has been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action whatsoever, including, but not limited to, legal or equitable proceedings and claims relating to contract, tort, or products liability.
2. Specific Situations.
Notwithstanding anything to the contrary set forth herein or elsewhere, HNI will have no liability whatsoever if, without limitation:
3. Time Limitation.
During and following the term of this Agreement, in any event wherein you believe HNI has breached the terms hereof or is liable hereunder for any reason, you agree to contact HNI within five business days following the date on which the breach occurred or the liability arose
4. Your Liability.
Except as otherwise provided by law, you will be liable for any loss or damage resulting from your breach of this Agreement or to which your negligence contributed, or which resulted from unauthorized, fraudulent, or dishonest acts by others (other than HNI). Such liability includes instances wherein someone effects one or more transactions to your detriment. You are liable for all payments that you make or which are made or requested by your agent, even if such agent exceeds its authority in so doing, and even if such agent is not an authorized signer on your account.
V. MISCELLANEOUS TERMS AND CONDITIONS
1. Waiver and Severability.
HNI may delay exercising its rights hereunder without thereby waiving them. A waiver or partial exercise of one right does not constitute a waiver of any other rights or of the same right at another time. If any provision of this Agreement, or its application to any person or set of circumstances, is held invalid or unenforceable to any extent, the remainder of this Agreement, and its application to any other persons or sets of circumstances, shall not be impaired or otherwise affected.
2. HNI’s Right to Terminate this Agreement.
HNI reserves the right to unilaterally terminate this Agreement, the Online Payment Service and/or your access thereto, in whole or in part, at any time with or without notice.