소프트랩 예금 계좌 계약

1. 계정 개요

1.1 당사에 연락하는 방법

You may contact us with any questions or concerns regarding your Account. All communication between you and us will be handled by the Program Partner. The best way to contact us is through email at help@softwrapbank.com . You may also contact us by live agent chat. Agents are available 24/7, 365 days a year.

1.2 계정 유형 및 자격

The Account is a non-interest-bearing non-consumer demand deposit account used to hold your business deposits and make certain types of payments and transfers. To open an Account, you must be a sole proprietorship, corporation, unincorporated association, limited liability company, limited liability partnership, or partnership (collectively, “Business Entity”) within the fifty (50) United States, the District of Columbia, and all U.S. territories. Other eligibility requirements may apply. This Account may only be used for business purposes and cannot be used for any personal, family or household purposes.

We may decline to open an Account for any reason at the sole discretion of the Bank or Program Partner. We are not liable for any damages or liabilities resulting from refusal of an Account relationship.

1.3 귀하의 계정에 대한 온라인 또는 모바일 액세스

When you open an Account, you will also be enrolled in an online business banking service or mobile application (collectively, “Online Banking Services”) offered by the Program Partner that you can use to access your Account, view information about your Account and conduct certain transactions. You may also be given access to various features through the Online Banking Services separate from your Account. If you cancel your enrollment in the Online Banking Services at any time, we may close your Account (see Section 3.13 below).

Unless otherwise specified in this Agreement, the Online Banking Services and any of its features are governed by the Program Partner’s Terms of Use, available at https://softwrapbank.com/terms and Privacy Policy, available at https://softwrapbank.com/privacy-policy . Please review these documents carefully because by using the Online Banking Services, you agree to be bound by them. These services are not provided or controlled by the Bank or this Agreement, and you agree not to hold the Bank liable for issues that may arise from your use of the services or features.

1.4 종이 없는 계좌

To open an Account, you must agree to go “paperless.” This means that you must (1) provide us with and continue to maintain a valid email address and (2) accept electronic delivery of all communications that we need or decide to send you in connection with your Account by agreeing to our ESIGN Agreement, available at https://softwrapbank.com/esignagreement .

1.5 승인된 사용자

귀하는 귀하의 계정에 액세스하거나 귀하의 계정을 통해 거래를 수행하도록 승인한 추가 개인(“승인된 사용자”)을 지정할 수 있는 능력을 부여받을 수 있습니다. 승인된 사용자를 설정함으로써 귀하는 승인된 사용자가 관여하는 귀하의 계정과 관련된 모든 거래 승인, 지시 또는 기타 조치가 귀하에 의해 승인되고 유효한 것으로 간주되며 당사가 승인, 지시 또는 활동을 조사할 의무가 없음을 이해합니다. 또한 귀하는 그러한 승인, 지시 또는 활동에 따른 조치에 대해 당사에 책임을 묻지 않는다는 데 동의합니다. 귀하가 help@softwrapbank.com으로 이메일을 보내 귀하의 계정에 대한 승인된 사용자의 액세스 권한을 취소할 때까지 당사는 귀하의 승인된 사용자가 취한 모든 조치를 귀하가 승인한 것으로 계속 처리할 것입니다. 또한 당사는 어떤 이유로든 사전 통지 없이 승인된 사용자의 계정 액세스를 종료할 권리를 보유합니다.

1.6 계좌 개설 방법

You may open an account by visiting the Program Partner’s website, https://softwrapbank.com , and following the instructions.

Any person completing the Account opening process or otherwise completing any Account opening requirements represents and agrees that they:
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- Are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity
- Have furnished all documents or other information necessary to demonstrate that authority
- Will furnish other documents and complete other requirements as we may request them
- Certify that, to the best of his or her knowledge, all information provided to us, including information concerning beneficial owners, is complete and correct

We may refuse to recognize any resolution affecting the Account that appears to us to be incomplete or improperly executed.

새 계좌 개설 절차에 대한 중요 정보: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information identifying each person who opens an Account. This means that when you open an Account, we will ask for information that allows us to identify you. We may also ask for a driver’s license or other identifying documents for your business, Authorized Users, account owners, and your officers, directors, beneficial owners, controlling shareholders and others.

1.7 최소 입금액 및 잔액

계좌 개설에 필요한 최소 입금액은 없으며 계좌 유지에 필요한 최소 잔액도 없습니다.

1.8 이자 공개

이 계좌는 이자가 발생하지 않습니다. 이 계좌에는 이자가 지급되지 않습니다.

1.9 권한

You agree that we may honor and rely upon the instructions or the execution, delivery and/or negotiation of any check, substitute check, draft, withdrawal order, instruction or similar instrument (collectively, “items”) or document by any of your authorized agents regardless of the necessity or reasonableness of such action, the circumstances of any transactions affected by such action, the amount of the transaction, the source or disposition of any proceeds and regardless of whether the relevant items or documents result in payment to the authorized agent or an individual obligation of the authorized agent or anyone else. “Authorized agents” include Authorized Users and any person who has signed a signature card, who is authorized by this Agreement, any resolution or otherwise to access or use the Account. It also includes any person who has been permitted by you or another authorized agent to act on your behalf in dealing with us.

You agree that you may not deny the authenticity, validity, binding effect and authorization of any action we take in reliance upon the instructions, items or documents provided by an authorized agent unless you have previously revoked such person’s authority to access or use your Account by emailing us at help@softwrapbank.com and we have confirmed our acceptance of your notice.

1.10 위임장 및 실제 대리인

We may allow you to give another person (known as an “attorney-in-fact”) power of attorney to act on your behalf for your Account. You must obtain written approval from us before we will honor any power of attorney. Email us at help@softwrapbank.com for approval if you plan to create a power of attorney. Please be aware that it may take up to two weeks for us to review your request. If approved, we will honor orders and instructions from your attorney-in-fact until (1) we receive a written revocation from you; (2) we are notified that you or your attorney-in-fact have died or become incapacitated; or (3) we terminate our acceptance of the power of attorney. We may terminate our acceptance at any time, for any reason and without notice to you, and you agree not to hold us liable for any damages that may result from such action. You also agree to hold us harmless for any actions we take based on the instructions of your attorney-in-fact, including if it is later determined that your power of attorney was invalid or improperly executed.

1.11 사망 또는 무능력

귀하는 당사가 통지를 받거나 귀하 또는 승인된 사용자가 사망했거나 법적으로 무능력해졌다고 믿을 만한 이유가 있는 경우 당사가 귀하의 후임자의 신원을 알고 확인할 때까지 귀하의 계정을 보류하고 모든 거래를 거부할 수 있다는 데 동의합니다. . 통지 및 사망 또는 무능력에 대한 필요한 증거를 받을 때까지 당사는 계속해서 귀하의 계정에 대한 예금을 수락하고 거래를 처리할 수 있습니다. 귀하의 유산은 귀하의 계좌 잔고를 귀하의 유산에 지불함으로써 발생하는 세금 채무를 우리에게 상환할 책임이 있습니다. 귀하는 귀하가 사망했거나 무능력해졌다는 당사의 믿음에 근거하여 당사가 취하는 모든 조치에 대해 당사가 해를 입지 않도록 하는 데 동의합니다. 귀하가 사망한 후 정부 기관에서 발생한 특정 지급금이 귀하의 계정에 입금된 경우 당사는 통지 후 해당 지급금을 송금인에게 반환해야 할 수도 있습니다.

1.12 귀하와의 관계

계정을 개설함으로써 당사는 귀하와 계정 관계를 설정하고 버지니아 주에서 채택한 통일 상법에 정의된 대로 귀하와의 거래에 있어 선의로 행동하고 일반적인 주의를 기울일 것을 약속합니다. 본 계약과 계정 관계는 귀하와 당사 사이에 수탁 관계나 기타 특별한 관계를 형성하지 않습니다.

1.13 제3자 서비스 제공업체

We work with one or more third-party service providers, including Unit Finance Inc. (“Unit”), in connection with your Account. Unit may assist us in processing transactions, handing account operations, and providing technological connection to the Program Partner and the Bank. By using your Account, you license and authorize us to access information maintained by Unit and/or other third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. In particular, you agree that Unit may perform any functions on your Account that we are otherwise authorized to perform and that Unit’s access and use of your information will be governed by the terms of Unit’s Privacy Policy, available at https://www.unit.co/clients-privacy-policy .

1.14 기밀유지 및 당사의 개인정보 보호정책

Your privacy is very important to us. Under this Agreement, we will only disclose information about your Account or the transactions you make in accordance with our Privacy Policy, available at https://www.mybrb.com/privacy-policy.html . Unit may also disclose information concerning your Account and transactions that it obtains as a third-party service provider in accordance with its Unit’s Privacy Policy, available at https://www.unit.co/clients-privacy-policy . By opening an Account, you agree to both our and Unit’s privacy policies.

In addition, we disclose your information to Unit in order to facilitate the Account and for other ancillary purposes. You agree to Unit’s use of your information in accordance with the terms of Unit’s Privacy Policy, available at https://www.unit.co/clients-privacy-policy .

1.15 휴대폰 통신

휴대폰이나 기타 무선 장치에 대한 전화번호를 당사에 제공함으로써 귀하는 해당 번호로 사전 녹음되거나 인위적인 음성 메시지 통화, 문자 메시지 및 전화를 포함하되 이에 국한되지 않는 비마케팅 커뮤니케이션을 수신하는 데 명시적으로 동의하는 것입니다. 당사와 계열사 및 대리인의 자동 다이얼러. 이 동의는 귀하가 현재 또는 미래에 당사에 제공하는 모든 전화번호에 적용됩니다. 귀하의 전화나 모바일 서비스 제공업체는 이러한 전화나 메시지에 대해 귀하에게 요금을 청구할 수 있습니다. 또한 귀하는 당사가 품질 관리 및 교육 목적으로 모든 커뮤니케이션을 기록하거나 모니터링할 수 있다는 데 동의합니다.

1.16 영업일

영업일은 연방 공휴일을 제외한 월요일부터 금요일까지입니다.

2. 귀하의 계정 책임

당사는 귀하의 계정을 안전하게 유지하고 귀하의 계정 관리에 도움이 되는 도구와 서비스를 제공하기 위해 노력하고 있습니다. 그러나 귀하의 계정과 자금을 보호하기 위해 귀하가 해야 할 특정한 일들이 있습니다.

2.1. 귀하의 정보가 변경되면 알려주십시오.

귀하의 상호나 상호, 귀하의 계정에 접근할 수 있는 개인 또는 승인된 사용자의 이름, 전화번호, 우편 주소, 이메일 주소 또는 귀하가 당사에 제공한 기타 정보가 변경된 경우 즉시 당사에 알려야 합니다. 귀하의 계정에 관한 명세서와 중요한 공지를 계속해서 제공할 수 있습니다.

2.2. 거래 및 사용 가능한 잔액을 추적하세요

It is very important that you keep track of your transactions and the funds in your Account that are available for you to use (“Available Balance”) by reviewing your transaction history. It is also important to understand that your Available Balance may not reflect transactions you have authorized that have not yet been presented to us for payment.

You are also responsible for reviewing your Account statements as they are made available to you for errors or unauthorized activity. If you identify an error or unauthorized activity, you must notify us promptly to avoid losing your money. Please refer to Sections 3.11, 4.5, 4.6, and 5.10 for information concerning errors and unauthorized activity.

2.3. 귀하의 계정 정보를 보호하세요

It is very important that you protect your Account information to prevent unauthorized transactions and fraud. Keep your Account number, debit card, ATM card and statements secure at all times, and be careful about who you share this information with. If the Program Partner provides you with access to Online Banking Services, make sure to also keep your computer or mobile device secure at all times and avoid accessing the Online Banking Services when others can see your screen.

If your Account number, debit card, ATM card, mobile device or Online Banking Services login credentials are lost or stolen, notify us immediately to keep your losses to a minimum. Please refer to Section 4.5 for information and applicable deadlines for notifying us of losses or theft.

3. 귀하의 계정에 적용되는 일반 규칙

귀하는 프로그램 파트너가 귀하에게 제공하는 온라인 뱅킹 서비스를 사용하여 수행되는 모든 지불 지침이나 활동은 귀하가 승인하고 유효한 것으로 간주되며 당사는 해당 지침이나 활동을 조사할 의무가 없음을 이해합니다.

3.1. 귀하의 계좌에 입금

귀하는 아래 설명된 방법 중 하나를 사용하여 귀하의 계좌에 입금할 수 있습니다. 우리는 입금에 대해 어떠한 수수료도 청구하지 않습니다.

우편을 통한 현금입금, 종이수표, 외화입금은 받지 않습니다. We are not liable for deposits of any kind that you mail to us, including if it is lost in transit, lost in the mail, or otherwise not received by us.

현금: We do not accept cash deposits made by mail. If you mail us a cash deposit, we will send the cash back to you.

종이 수표: If you mail a paper check to us, including personal or business checks, money orders or cashier’s checks, we may apply the check to any negative balance you may have on your Account or send the check back to you.

외화 보유: We do not accept any deposits in foreign currency. Any deposits received in foreign currency, whether in the form of cash or check, will be sent back to you.

We will send all items back to the address we have for you on file and we are not liable if you do not receive the items.

You may only deposit with us funds that are immediately available, which under applicable law are irreversible and are not subject to any lien, claim or encumbrance.

For more information about deposits and when funds from a deposit will be made available to you, please refer to Section 3.2.

3.2. 자금 가용성 정책

아래 표에 따라 각 영업일에 귀하의 계좌에 입금된 금액을 인출할 수 있도록 하는 것이 당사의 정책입니다. 영업일의 종료일을 "입금마감시간"이라 합니다. 영업일 영업일 마감 시간 이전에 입금하시면 해당 날짜를 입금일로 간주합니다. 단, 마감시간 이후 또는 영업하지 않는 날에 입금하신 경우에는 영업시간이 끝나는 다음 영업일에 입금되는 것으로 간주합니다.

* 모바일 예금 서비스를 통한 예금에는 Regulatory CC 자금 가용성 규칙이 적용되지 않습니다.

3.3. ACH 신용 거래 및 UCC 조항 4A

Credit given by us with respect to an ACH credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank.  If we do not receive final settlement, you acknowledge and agree that we are entitled to a refund of the amount credited to you in connection with the ACH credit entry, and the party making payment to you via such entry shall not be deemed to have paid you in the amount of such entry.

Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your Account, we are not required to give next day notice to you of receipt of an ACH item and will not do so. However, we will continue to notify you of the receipt of ACH items through your Account statements.

We may accept on your behalf payments to your Account which have been transmitted through one or more Automated Clearing Houses and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the Commonwealth of Virginia, unless otherwise specified in a separate agreement that the law of some other state shall govern.

3.4. 입금 시 발생할 수 있는 문제

귀하의 계좌로의 예금 또는 이체 금액이 어떤 이유로든 지불 금융 기관에 의해 반환되거나 거부되는 경우, 또는 예금 또는 이체와 관련된 오류나 실수가 있는 경우, 당사는 사전 동의 없이 예금, 이체 또는 오류 금액을 차감할 수 있습니다. 당신에게 통지합니다. 당시 귀하의 계좌에 자금이 부족한 경우 귀하의 계좌에서 초과 인출이 발생할 수 있습니다. 자세한 내용은 초과인월에 관한 섹션 3.12를 참조하십시오.

3.5. 입금 시 발생할 수 있는 문제

귀하는 귀하의 이름으로 된 한 계좌에서 당사가 보유하고 프로그램 파트너가 관리하는 귀하의 이름으로 된 다른 계좌로 자금을 이체할 수 있습니다(“내부 이체”). 내부 이체 횟수에는 제한이 없으며, 내부 이체는 즉시 가능합니다.

3.6. 귀하의 계좌에서 인출

귀하는 다음 방법 중 하나를 사용하여 귀하의 계정에서 사용 가능한 잔액까지 자금을 인출할 수 있습니다.

If you have been issued a debit card or ATM card for your Account, there may also be limitations that apply to your use of the card. Please refer to the applicable cardholder agreement provided to you with your card for information on any applicable limitations and other terms.

You cannot withdraw funds by check, and we do not permit you to create checks drawn on your Account.

Before permitting a withdrawal or other transaction, we may request that you provide us with additional information or documentation that we deem necessary to confirm your identity or to prevent illegal activity. We may refuse the transaction if you do not comply with our request.

3.7. 연결된 은행 계좌로의 이체 또는 이체

institution (“linked bank account”) to your Account with us to make inbound and outbound ACH transfers between the linked bank account and your Account through the Online Banking Services. An “inbound transfer” moves funds into your Account from a linked bank account. An “outbound transfer” moves funds from your Account to a linked bank account. We will facilitate transfers to a linked bank account separate and apart from any access we provide you to the ACH Origination Service (see Section 5 below).

For inbound transfers, we will debit your linked bank account and credit your Account with us on the next business day after you initiate the transfer. The funds you transfer to your Account will be made available to you by the fifth (5 ^일 ) business day after the funds have been credited to your Account.

For outbound transfers, we will debit your Account with us and credit your linked bank account on the next business day after you initiate the transfer. The financial institution that holds your linked bank account determines when those funds will be made available to you in your linked bank account.

The cut-off time for both inbound and outbound transfers is 3:00 PM ET. Transfer requests that you make on a business day before the cut-off time will be considered initiated on that day. Transfer requests that you make after the cut-off time, or on a day that is not a business day, will be considered initiated the following business day.

There are limits to the dollar amount of both inbound and outbound transfers you can make. Please see sections 3.1 and 3.6.

You agree that you will only attempt to link a bank account for which you have the authority to transfer funds. You also agree to indemnify and hold us harmless from any claims by any business or person related to the linked bank account, including any other owner of the linked bank account. You may only link a bank account that is a deposit account, such as a checking, savings or money market account.

3.8. 불법 행위, 인터넷 도박 금지 및 거래 거부 권리

귀하는 귀하의 계정을 불법적인 목적으로 사용하거나 합법 여부에 관계없이 인터넷 도박에 사용해서는 안 됩니다. 당사는 불법 활동, 온라인 도박 또는 당사 재량에 따른 기타 이유로 인해 거래를 거부하거나 예금 수령을 거부할 수 있습니다.

3.9. 귀하의 계정에 거래를 게시하고 사용 가능한 잔액을 결정하는 방법

3.9.1. 게시 개요
To understand how we post transactions to your Account, it is important to first understand the difference between your Available Balance and your ledger balance. Your Available Balance is the amount of money you have in your Account at any given time that is available for you to use. Your ledger balance is the balance in your Account at the beginning of the day after we have posted all transactions to your Account from the day before. We use your Available Balance to authorize your transactions throughout the day and determine whether you have sufficient funds to pay your transactions. Here are some additional terms that are helpful to understand:

Credit and debit – A credit increases your balance and a debit decreases your balance.

Post or posted – Transactions that are paid from or deposited to your Account. Posted transactions will either increase or decrease both your Available Balance and your ledger balance.

Pending – Transactions that we receive notice of and are scheduled to post to your Account. Pending transactions affect your Available Balance, but not your ledger balance.

Card authorization and settlement – When you use a debit card to make a purchase, the transaction occurs in two steps: card authorization and settlement. Card authorizations reduce your Available Balance, but not your ledger balance. Settlement reduces both your Available Balance and your ledger balance. Card authorizations are removed when settlement occurs or after a certain number of days have passed, whichever is sooner. Please see Section 3.9.4 for more information about card authorizations and settlement.
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3.9.2. 게시 순서
We receive transactions throughout the day and post them to your Account as they are received and in the order that they are received. Note that for debit card transactions, we consider the transaction received when the merchant requests settlement, which may occur several days after you authorize the transaction. See Section 3.9.4 for additional information concerning how debit card transactions are processed.

We may change the order in which we post transactions to your Account at our discretion and without notice to you. It is therefore important for you to keep track of the deposits you make and the transactions you authorize to make sure there are sufficient funds in your Account to cover all transactions and any applicable fees.
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3.9.3. 사용 가능한 잔액 확인
To determine your Available Balance, we start with your ledger balance at the beginning of the business day, add any pending credits or deposits that we make available to you, and subtract any card authorizations and pending debits. All transactions are debited or credited from your Available Balance in the order received.

You may check your available balance via Online Banking Services. Keep in mind that your Available Balance may not reflect every transaction you have initiated or previously authorized. For example, your Available Balance may not include transactions you have authorized that we have not received.
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3.9.4. 직불카드 승인
If you are issued a debit card with your Account, you will be able to use your card to pay for goods or services or conduct other transactions with a merchant. When you engage in a transaction with a merchant using your debit card, the merchant will request preauthorization (“card authorization”) for the transaction. If there are sufficient available funds in your Account, we will approve the request and reduce your Available Balance for as long as the card authorization remains on your Account.

Your Available Balance will generally be reduced by the amount of the card authorization.

The card authorization will remain on your Account until the merchant sends us the final amount of the transaction and requests payment (“settlement”). In most cases, If the merchant does not request settlement, or the merchant is delayed in requesting settlement, the card authorization will automatically be removed after 3 days. However, certain merchants such as hotels may hold for a period of up to 7 days.

It is important to understand that the merchant controls the timing of card authorizations or settlement. A merchant may request settlement after the card authorization has been removed from your Account. This means that if you use the funds in your Account after the card authorization has been removed and the merchant later requests settlement, your Account may become overdrawn. A merchant may also request settlement for an amount that is different than the card authorization. Therefore, it is important that you keep track of your transactions and your balance. Once we have approved a card authorization, we cannot stop the transaction and you will be responsible for repaying any negative balance that may occur.

3.10. 진술

귀하의 계정이 비활성화되지 않은 경우 명세서는 이메일과 온라인 뱅킹 서비스를 통해 정기적으로 귀하에게 제공됩니다. 명세서 기간 동안 귀하의 계정에 거래가 있는 경우 매월 명세서를 받게 됩니다. 귀하의 계정에 거래가 없는 경우, 당사는 귀하에게 명세서를 제공하지 않거나 덜 자주 명세서를 제공할 수 있습니다. 서면 명세서는 받지 않습니다.

3.11. 귀하의 계정 오류 및 책임 제한

You agree to carefully review your statements and promptly report to us any errors or unauthorized activity by email at help@softwrapbank.com within thirty (30) days after we make the statement available to you. Unless otherwise specified in this Agreement or required by law, if you do not provide us with timely notice of an error or unauthorized activity, we will deem our records concerning your Account to be correct and you agree that we will not be liable to you for any loss you suffer relating to the error or unauthorized activity. You further agree that we may debit or credit your Account at any time and without notice to you to correct an error or address unauthorized activity.

In any case, our maximum liability to you will never exceed the amount of actual damages proven by you. Our liability may also be further reduced by the amount of the loss that is caused by your own negligence or lack of care, as well as any recovery of the loss you obtain from third parties. Please refer to Section 4 for additional information concerning errors and unauthorized transactions involving electronic fund transfers and related limitations of liability. There may also be other limitations of liability contained in this Agreement.

3.12. 초과인월, 자금 부족 및 마이너스 잔액

우리는 귀하가 귀하의 계좌에서 초과인출하는 것을 허용하지 않습니다. 귀하 계정의 사용 가능한 잔액이 귀하가 승인한 거래를 처리하기에 충분하지 않은 경우 당사는 거래를 반환하거나 거래 처리를 거부할 수 있습니다. 그러나 귀하가 입금한 금액이 반환되는 경우와 같이 귀하의 계정이 여전히 마이너스가 될 수 있는 경우가 있을 수 있습니다. 마이너스 잔액을 충당하려면 즉시 입금해야 합니다. 귀하의 계정에 60일 이상 마이너스 잔액이 있는 경우 당사는 귀하의 계정을 폐쇄할 수 있습니다.

3.13. 계정 폐쇄 및 계정 정지

You can close your Account at any time and for any reason by email at help@softwrapbank.com. We reserve the right to refuse your request if you have a negative balance on your Account. We recommend that you transfer or withdraw any funds you may have in the Account prior to submitting a request to close the Account to avoid delays in receiving your funds.

We may also suspend or close your account at our discretion with or without notice. This includes if we believe you are using your Account for fraudulent or illegal purposes or in violation of law or regulation, this Agreement, any other agreement you may have with us or Unit, or if you otherwise present undue risk to us or Unit. We may also close your Account if you have not made any deposits or withdrawals from your Account in over twelve (12) months. In addition, cancelling your enrollment in the Online Banking Services with the Program Partner will result in our closure of the Account and our return of your funds. We are not responsible to you for any damages you may suffer as a result of the closure or suspension of your Account.

If your Account is closed with a balance greater than $1.00, we will return any funds you may have in the Account to you by ACH transfer to another bank account or by paper check. We reserve the right not to return the funds to you if the balance in your Account is $1.00 or less. The closure of your Account or termination of this Agreement does not impact any right or obligation that arose prior to closure or termination, or any right or obligation that, by its nature, should survive termination (including, but not limited to, any indemnification obligation by you, our limitations of liability, and any terms governing arbitration).

3.14. 휴면, 비활동 및 미청구 재산

State law and our policy govern when your Account is considered dormant. Your Account is usually considered dormant if you have not accessed your Account, communicated to us about your Account or otherwise shown an interest in your Account within the period specified under applicable law. Each state has varying laws as to when an account becomes dormant, and we may be required to send the balance in your Account if it becomes dormant to the state of your last known address. We will make reasonable efforts to contact you if required by applicable law before transferring the remaining balance of your Account to the applicable state. After we surrender the funds to the state, you must apply to the appropriate state agency to reclaim your funds. You can avoid the surrender of your funds by simply conducting transactions, contacting us about your Account or replying to any abandoned property notices we may provide to you.

We may also place your Account in an inactive status if you have not had any transaction for at least six (6) months. If your Account becomes inactive, you may not receive statements or be able to conduct certain transactions. Inactive Accounts must be reactivated. Contact us by email at help@softwrapbank.com to reactivate your Account.

3.15. 계정 수수료 및 수수료 일정

이 계좌와 관련된 수수료는 없습니다. 수수료는 언제든지 변경될 수 있습니다. 당사는 법률에서 요구하는 경우 변경 사항에 대해 사전 통지를 제공할 것입니다.

4. 전자자금이체

귀하의 계정을 사용하면 사용 가능한 잔액까지 자금을 인출하거나 전자 자금 이체("EFT")를 통해 입금할 수 있습니다. EFT는 전자 수단으로 처리되는 거래로, ACH 이체, 직불카드 또는 ATM 카드 거래, 직접 입금 등이 포함됩니다. 이 섹션에서는 귀하의 계정에 허용되는 EFT에 대한 정보와 중요한 공개 사항 및 약관을 제공합니다. 또한 프로그램 파트너가 제공하는 온라인 뱅킹 서비스를 통해 추가 서비스를 받을 수도 있습니다. 이 서비스를 통해 본 계약에 설명되지 않은 귀하의 계좌에서 EFT를 시작할 수 있습니다. 프로그램 파트너는 해당 서비스에 적용되는 별도의 계약 및 공개 사항을 제공합니다.

4.1. 귀하의 계정에서 지원되는 EFT 유형

Your Account allows the following types of EFTs:

- Direct deposits from your employer or other source of income
- Transfers to or from your Account to or from a linked bank account (see Section 3.6)
- Transfers to or from your Account to a merchant or other third party by providing the third party with your Account routing number and account number
- Purchases or other transactions using your debit card
- ATM deposits or withdrawals using your debit card or ATM card

4.2. EFT의 제한 사항

There are limitations on the frequency and number of transactions you can make to or from your Account. These limits are different for each type of transaction. For limits that apply to transactions that credit or deposit funds into your Account, please refer to Section 3.1 concerning deposits. For limits that apply to transactions that debit or withdraw from your Account, please refer to Section 3.6 concerning withdrawals. For limits that apply to transfers to or from your Account from a linked bank account, please refer to Section 3.7. These security-related limits may change from time to time.

If you have been issued a debit card or ATM card for your Account, there may also be transaction limitations that apply to your use of the card. Please refer to the applicable cardholder agreement provided to you with your card for information on any limitations and other terms.

4.3. 거래 문서화

We will provide you information about each transaction that debits or credits your Account on your statements. Please refer to Section 3.10 for information about statements. You may also be able to view your transaction history and other information through Online Banking Services provided to you by the Program Partner. You may also contact us by email at help@softwrapbank.com , live agent chat, or by phone at 1-442-264-2765 for information concerning your Account or your transactions.

If you are provided with a debit card or ATM card, you can get receipts at the time you make a withdrawal at an ATM or a purchase at a point-of-sale terminal when using your card.

4.4. 사전 승인된 이체, 결제 중지 및 금액 변동 통지

If you authorize us or another company or person to withdraw from your Account on a regular basis (such as when you sign up for “autopay” to pay a recurring bill or invoice), it is called a Preauthorized Transfer. You may request that we place a stop payment on Preauthorized Transfers, as well as get notification when the amount of a particular withdrawal will be different from the amount of the last withdrawal.

4.4.1. 지불 중지를 요청하는 방법
If you authorize a third party to take payments from your Account on a regular basis through a Preauthorized Transfer, you can place a stop payment on those payments by contacting by email at help@softwrapbank.com at least three (3) business days before the next payment is scheduled to be made.
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You must provide us with (1) your name, (2) your Account number, (3) the company or person taking the payments, and (4) the date and amount of the scheduled payment you wish to stop. If you want all future payments from that company or person stopped, be sure to tell us that as well. If you do not provide us with the correct information, such as the correct payee or the correct amount of the payment you wish to stop, we may not be able to stop the payment.

4.4.2. Notices of Varying Amounts

If these regular payments vary in amount, the person or company you are paying will tell you ten (10) days before each payment when it will be made and how much it will be. You may be given the option to only get this notice when the payment will differ by more than a certain amount from the previous payment, or when the amount will fall outside certain limits that you set.

4.5. EFT에 관한 질문 및 오류나 승인되지 않은 EFT 보고

You may contact us with questions concerning EFTs that occur on your Account. For questions about card related transactions, contact us at 1-833-333-0417; for all other EFT transactions call us at 1-442-264-2765 or email us at help@softwrapbank.com.
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You may also contact us using those methods to report errors or unauthorized EFTs.  Be sure to contact us immediately if you believe that an error or unauthorized EFT has occurred or may occur concerning your Account, or if your Account, debit card, ATM card or Online Banking Services login credentials have been lost, stolen or compromised. You must contact us no later than thirty (30) days after we sent the FIRST statement on which the error or unauthorized EFT appeared. You must provide us with the following information:

- Tell us your name and Account number.
- Describe the error or the EFT you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
- If you tell us orally, we may require that you send us your complaint or question in writing by email within ten (10) business days.

After receiving your notice of error or unauthorized EFT, we will investigate and provide you with the results and any corrections we make to your Account within a commercially reasonable time.

4.6. 거래 완료 실패, 무단 거래 또는 결제 중지 실패에 대한 당사의 책임

We will respond to notices of errors or unauthorized EFTs and requests to stop payments in a commercially reasonable manner and time. You agree that in no event will we be liable in an amount exceeding the lesser of five thousand dollars ($5,000) or the actual amount of your loss. You also agree that we will not be liable for any amount of loss that you may incur if you:
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- Do not tell us about an error or unauthorized EFT within thirty (30) days after the first statement showing the error or unauthorized EFT is made available to you; or
- If you do not provide us with the information necessary to place a stop payment on a Preauthorized Transfer in a timely manner.

In addition, we are not liable for any losses you may incur in any of the following circumstances:

- If the Available Balance in your Account is not sufficient to complete the transaction through no fault of ours.
- If the ATM you use does not have enough cash.
- If the failure is due to an equipment or system breakdown, such as a problem with the Online Banking Services provided by the Program Partner, that you knew about before you began a transaction.
- The failure was caused by an Act of God, fire or other catastrophe, or any other cause beyond our control despite reasonable precautions we have taken.
- If your funds are not available due to a hold or if your funds are subject to legal process.
- If we do not complete a transaction because we or Unit has reason to believe the transaction is unauthorized or illegal.
- If your Account is closed or inactive.
- There may be additional exceptions stated in our or Unit’s agreements with you or permitted by law.

5. 전신송금

해당 계좌는 프로그램 파트너가 귀하에게 제공하는 온라인 뱅킹 서비스를 통한 국내 전신 송금을 허용할 수 있습니다.

5.1. 귀하의 계좌에서 지원되는 전신 송금 유형

Your Account may support domestic wire transfers. If wire services are made available to you, your Account will be able to both receive and initiate wire transfers.

We may select any means for the transmission of funds that we consider suitable. We may make use of correspondents, agents, subagents, and funds transfer and communication systems. Such third parties shall be deemed your agents, and we shall not be liable for any errors, delay, misdelivery, or failure of delivery by any of them unless applicable law says otherwise.

We will not be liable for our inability to perform our obligations under this Agreement when such inability arises out of causes beyond our control, including but not limited to, any act of God, accident, labor disputes, power failures, system failure, equipment malfunction, suspension of payment by another bank, refusal or delay by another bank to accept the wire transfer, war, emergency conditions, fire, earthquake, or the failure of any third party to provide any electronic or telecommunication service used in connection with the execution or cancellation of a wire transfer.

5.2. 귀하의 계좌에서 지원되는 전신 송금 유형

귀하의 계정으로 또는 귀하의 계정에서 수행할 수 있는 거래 빈도와 횟수에는 제한이 있습니다. 이러한 한도는 거래 유형마다 다릅니다. 귀하의 계좌에 자금을 입금하거나 입금하는 거래에 적용되는 한도는 입금에 관한 섹션 3.1을 참조하십시오. 귀하의 계좌에서 인출하거나 인출하는 거래에 적용되는 한도는 인출에 관한 섹션 3.6을 참조하십시오. 귀하가 귀하의 계좌에서 시작한 전신 송금을 받을 수 있는 수혜자에는 제한이 있을 수 있습니다. 이러한 보안 관련 제한은 수시로 변경될 수 있습니다.

5.3. 전신 송금 마감 시간

We have cut-off hours for processing wire transfers. If a wire request is received by 1:00 PM ET on a Business Day and verified through our security procedures outlined in the section below titled “Security Procedures,” funds will be processed the same business day. If it is received after 1:00 PM ET or on a non-Business Day and verified through our security procedures, funds may be processed the next business day.

We may treat any wire transfer request received at or after our cut-off time as if it was received that business day, or we may treat it as if it were received at the opening of the next business day.

5.4. 보안 절차

You agree and consent to the use of certain security procedures by us to confirm the validity of the wire transfer request made pursuant to this Agreement. You understand the security procedures are not designed to detect errors in the content of the wire transfer request or to prevent duplicate transfers. Some elements of the procedures will vary, depending upon the method used to initiate a wire transfer. You hereby agree that your utilization of any security procedure established hereunder shall constitute your agreement to its use and affirmative acknowledgment of its commercial reasonableness.

You further agree that any wire transfer request that is acted upon in good faith by us in compliance with these security procedures, whether in fact authorized by you, shall constitute an authorized wire transfer.

5.5. 잘못된 전신 송금에 대한 책임

You are responsible for providing us with the accurate name and account number for wire transfers, and we are responsible for transmitting money to the account number you provided.

When you provide us with a name and account number for us to process a wire transfer, we may make payment solely on the basis of the account number, even if the account number identifies a person different from the beneficiary so named. We or an intermediary bank may send a wire transfer to an intermediary bank or beneficiary's/designated recipient's bank based solely on the bank identifying number, even if the payment order indicates a different name. You should be very careful when providing the account number for a wire transfer.

If you have provided us with the wrong account number, there may be no way to correct the error or retrieve the funds. You agree that you will pay the amount of a wire transfer even in such circumstances. You are responsible for any losses resulting from an incorrect account number or your misidentification of the beneficiary/designated recipient.

If you think a wire transfer is wrong or if you need more information about a wire transfer, you must contact us by email at help@softwrapbank.com as soon as possible and no later than fourteen (14) days after you receive your monthly statement. If you don’t tell us about an error, we will not have any obligation to pay interest on the amount of an unauthorized or erroneous wire transfer for which we are liable, and you will also be liable to us for any damages or losses we may incur.

5.6. 지불

귀하는 당사가 전신 송금 요청을 실행하기 전에 전신 송금 금액과 관련 수수료를 지불해야 합니다. 전신 송금에 적용되는 수수료는 본 계약의 섹션 3.15를 참조하십시오.

5.7. 전신송금 실행

A wire transfer request is considered accepted by us when we execute it. Please refer to Section 5.3 concerning cut-off times for more details. You can verify whether your wire transfer request has been executed by email at help@softwrapbank.com , live agent chat, or phone at 1-442-264-2765 .

We have no responsibility to accept any incoming wire transfer(s) for your benefit. Likewise, we have a right to reject any wire transfer request(s) for an outgoing wire transfer for reasons including, but not limited to, insufficient or uncollected funds in the account specified in the wire transfer request, a request that fails any requires security procedures, our inability to execute the wire transfer for the reasons set out in the section of this agreement entitled method used to make the wire transfer above, or if we are unable to verify the authenticity of the wire transfer request. If we stop a domestic outgoing wire transfer, we will refund the fee.

If we determine, in our sole discretion, not to honor, execute, or accept a wire transfer request, we will make reasonable efforts to notify you. We will also make reasonable efforts to notify you promptly if a wire transfer is returned to us after its execution. In either case, we shall have no liability by reason of our delay or failure to provide you with notice, and we shall have no obligation to resend a wire transfer if we complied with the original wire transfer request and such wire transfer was returned to us.

5.8. 계좌 이체 취소 또는 수정

은행 송금 요청을 받은 후에는 취소하거나 수정할 수 없습니다. 그러나 당사의 재량에 따라 당사는 취소 또는 수정 요청을 통지받는 방법이 당사의 보안 절차를 준수하는 경우 취소 또는 수정 요청에 대응하기 위해 합리적인 노력을 기울일 수 있습니다. 그러나 그러한 취소 또는 수정이 영향을 받지 않는 경우 당사는 책임을 지지 않습니다. 귀하는 당사가 전신 송금을 취소하거나 수정하려고 시도할 때 발생할 수 있는 모든 책임, 청구, 손해, 비용 및 비용으로부터 당사를 면책하고 피해를 주지 않을 것에 동의합니다. 당사의 전신 송금 취소 또는 수정으로 인해 당사는 원래 전신 송금 요청에 따라 조치를 취해야 할 의무가 면제됩니다.

5.9. 전신 송금 실패에 대한 당사의 책임

당사는 본 계약에 명시적으로 규정된 전신 송금 서비스 수행에 대해서만 책임을 집니다. 단, 당사는 해당 서비스 수행 시 당사 자신의 중과실 또는 고의적인 위법 행위에 대해서만 책임을 집니다. 당사는 제3자 또는 귀하 또는 제3자의 작위 또는 부작위에 대해 책임을 지지 않습니다. 여기에는 당사가 전신 송금을 실행하거나 관련 행위를 수행하는 데 사용하는 제3자를 포함하되 이에 국한되지 않습니다. 우리의 대리인으로 간주됩니다. 어떠한 경우에도 당사는 직접적, 간접적, 징벌적, 특수적, 우발적 또는 결과적 손해, 이익 손실, 손실 또는 비용을 포함하되 이에 국한되지 않는 모든 종류의 손해에 대해 책임을 지지 않습니다. 동일한 가능성에 대해 조언을 받았습니다. 해당 법률에서 별도로 규정한 경우를 제외하고, 승인되지 않거나 오류가 있거나 기타 전신 송금 요청과 관련하여 귀하에게 환불되거나 지급될 금액에 대해 당사가 이자를 지불해야 하는 최대 기간은 30일입니다.

5.10. 무단 송금에 대한 귀하의 책임

법에 의해 달리 규정된 경우를 제외하고, 귀하는 귀하의 부주의로 인해 발생했거나 귀하의 현재 및/또는 이전 승인 대리인에 의한 무단, 사기 또는 부정직한 행위로 인해 발생한 모든 손실이나 피해에 대해 책임을 집니다. 그러한 책임에는 현재 또는 이전의 권한 있는 대리인이 하나 이상의 전신 송금을 실행하거나 전화 보안 절차를 부적절하게 사용하여 귀하에게 손해를 끼치는 전신 송금을 수행하는 경우가 포함됩니다.

5.11. 자금 세탁 방지 및 외환 통제 규정 및 OFAC 강제 제재 준수

You agree to observe all Anti-Money Laundering and Exchange Control laws and regulations including economic and trade sanctions promulgated by the Office of Foreign Assets Control of the U.S. Department of Treasury in relation to any wire transfer, and you will use all reasonable endeavors to assist us to do likewise. You agree that the information given to us by you is accurate. We may disclose any information given to us that we in our sole discretion think necessary or desirable to disclose; except we will only disclose confidential information if required by law, a court, or legal, regulatory, or governmental authority, or as permitted by law to combat, prevent, or investigate issues arising under anti-money laundering laws, economic sanctions, or criminal law.

Sometimes legal, regulatory, or governmental authorities require additional information, either in respect of individuals, entities, or certain transactions. You agree to promptly supply all such information, which any such authority may require, and/or which we may be required to supply, in relation to the individual, entity, or particular transaction.

If you, or your authorized representative, breach any such laws or regulations, you irrevocably agree that we may retain any monies or funds transmitted to us pursuant to this Agreement and/or not fulfill any wire transfer request if we are required to take or refrain from such action by any legal, regulatory, or governmental authority or if we reasonably believe that such action may violate any laws or regulations described herein, and such monies shall not bear interest against us. You further agree that we may pay such monies to the appropriate legal, regulatory, or governmental authority, if and when required by law.

6. 예금조회 및 모바일 예금 서비스

You can only deposit checks into the Account using the mobile deposit capture services (the “MDC Services,” as further described herein) and in accordance with the terms of this Agreement. The MDC Services allow you to make deposits to your Account from a compatible mobile device by scanning or photographing checks and delivering the images and associated deposit information to us or our designated processor. By using the MDC Services, you agree to comply with all applicable laws and regulations and National Automated Clearing House Association (NACHA) rules that apply to remote deposit check capture processing and ACH transaction processing.

As defined in the Check Clearing for the 21st Century Act (“Check 21”), a “check” is a draft, payable on demand and drawn on or payable through or at an office of a bank, whether or not negotiable, that is handled for forward collection or return, including substitute checks (see Section 6.1.1) and travelers checks.

6.1. 대체 수표와 귀하의 권리

Federal rules for Check 21 allow banks to replace original checks with “substitute checks,” as defined in Check 21. Below are the details and your rights related to substitute checks.

6.1.1. 대체 수표
To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

6.2. MDC 서비스 이용 자격

Accountholders adhering to all requirements described herein may be eligible to use the MDC Services. Not all Accounts are eligible for the MDC Services. We may terminate your use of the MDC Services at any time at our sole discretion. You may also stop using the MDC Services at any time. However, any images or information transmitted through your use of the MDC Services shall continue to be subject to this Agreement after termination. We may change our eligibility criteria at any time with or without notice to you.

To use the MDC Services, you must 1) have a mobile device w/built-in camera 2) be able to access the Services on iOS, Android or Mobile Web and 3) be enrolled in the Online Banking Service. The MDC Services are not compatible with desktop or laptop computers.

6.3. 적격 품목

귀하는 MDC 서비스 사용을 통해 귀하가 스캔하거나 캡처하여 귀하의 계정에 저장(“전송”)하는 이미지만이 적격 항목이라는 점에 동의합니다. "적격 품목"에는 연방 준비 제도 이사회 규정 CC에 따라 "수표" 또는 "인증 수표"로 정의된 종이 품목과 본 계약에서 달리 금지하지 않는 기타 종이 품목이 포함됩니다. 귀하는 부적격 항목(섹션 6.4 참조)으로 간주되는 이미지가 귀하의 계정으로 전송될 수 없으며 당사에 의해 거부된다는 점에 동의합니다. 또한 귀하는 당사에 전송된 적격 항목의 이미지가 귀하 계정의 버지니아 통일 상법에서 채택한 의미 내에서 "항목"으로 간주된다는 데 동의합니다.

6.4. 부적격 품목

You agree you will not use the MDC Services to scan or deposit images of items that:

- are not payable in United States currency;
- are not drawn on a financial institution located in the United States;
- are payable to someone other than you;
- are money orders, savings bonds, or traveler’s checks;
- are checks authorized over the telephone and created remotely;
- are images of a check that never existed in paper form;
- must be authorized or activated by us prior to being deposited;
- have already been deposited by or returned to you;
- are not legible or do not conform to our standards, as determined in our sole discretion;
- are fraudulent, not authorized, suspicious or not likely to be honored;
- are not dated, are post-dated, or are more than 6 months old when transmitted;
- do not comply with the requirements established from time to time by any applicable statute, regulation, regulatory agency, clearing house or association;
- we deem to be Ineligible Items herein or at any other time, with or without prior notice to you;
- do not comply with the requirements of your Account Agreement; or
- do not meet the Technical Requirements described in Section 6.5).

These items, collectively, are “Ineligible Items” under this Agreement, and they are not eligible for deposit into your Account via the MDC Services.

6.5. 이미지 캡처, 전송, 처리 및 결제

All images you transmit to us using the MDC Services must comply with the technical requirements we may specify from time to time (the “Technical Requirements”). You are responsible for all expenses you incur to meet the Technical Requirements. We reserve the right to change the Technical Requirements at any time without prior notice.

You are responsible for reviewing and validating the accuracy and completeness of any information you transmit to us, including but not limited to the amount indicated on the item and the legibility of the image transmitted. You will only submit check images that meet our quality standards. You will not transmit an image or images of the same check to us more than once and will not deposit or negotiate, or seek to deposit or negotiate, such check or item with us or any other party.

You shall be solely responsible for ensuring the quality, accuracy and completeness of the images you transmit using the MDC Services. You shall be solely responsible for the selection, use and operation of the mobile device you use to transmit images.

We can attempt to process, collect, present for payment, return or re-present images you attempt to transmit in any way we choose that is allowed by law.

We can also reject any transmission for any reason at our option and without liability. An image shall be deemed received when you receive a confirmation from us that we have received the image. Receipt of such confirmation does not mean that the transmission was an Eligible Item or accepted.

If an image does not meet our requirements, we can also at our option:
‍
- process the image as received for payment;
- correct the image or its accompanying data and process the corrected image for payment;
- process the deposit for payment in another format as allowed; or
- debit (chargeback) your Account for the amount indicated in the image.

Successfully transmitting an image to us does not mean that your transmission and deposit are complete. All of your images are subject to our further verification prior to being accepted for deposit and payment. Do not destroy the item transmitted as an image until you see the full deposit amount posted when you view your transaction history via the Online Banking Services.

6.6. MDC 서비스에 대한 제한

MDC 서비스를 사용하여 수행할 수 있는 거래의 빈도와 금액에는 제한이 있을 수 있습니다. 귀하의 MDC 서비스 이용에 적용되는 거래 제한에 대한 정보는 입금 제한에 관한 섹션 3.1을 참조하십시오.

6.7. 원본 항목을 입금하고 관리하는 항목에 대한 필수 배서

When you transmit an image to us, you will still have possession of the original item. To prevent an additional submission of the item for payment, you are required take the following steps:

- Before you transmit an image to us, you must endorse the original item being captured for transmission by signing the back of the original item and writing the words “For deposit only at Blue Ridge Bank, N.A.” either above or below your signature.
- After you transmit the image to us, you should write the date and the words “Deposited by MDC” on the front of the item and keep the original item in a safe place.

You should not deposit or attempt to cash the item after transmitting the image to us.

6.8. MDC 서비스를 통한 예금 가용성

귀하는 MDC 서비스를 사용하여 전송된 항목이 규정 CC에 포함된 자금 가용성 규칙의 적용을 받지 않는다는 점을 인정합니다. MDC 서비스를 사용하여 예치한 자금은 일반적으로 예금한 날로부터 영업일 기준 5일 이내에 인출할 수 있게 됩니다. 귀하의 입금 날짜를 결정하는 방법에 관한 정보는 섹션 6.9를 참조하십시오. 당사는 당사와의 관계 기간 및 범위, 거래 및 경험 정보, 기타 보안 및 위험 관련 요소를 기반으로 당사의 단독 재량에 따라 적절하다고 판단되는 자금을 조만간 제공할 수 있습니다.

6.9. MDC 서비스를 이용한 입금 마감 시간

영업일 영업일의 계정 마감 시간 이전에 이미지를 성공적으로 전송한 경우 해당 날짜를 입금일로 간주합니다. 마감 시간에 관한 정보는 섹션 3.2를 참조하십시오. 해당 시간 이후 또는 영업하지 않는 날에는 영업을 재개하는 다음 영업일에 보증금이 입금되는 것으로 간주합니다.

6.10. 오류

귀하는 MDC 서비스를 통해 전송된 항목과 관련하여 의심되는 오류가 있을 경우 이를 즉시 당사에 알리고 어떠한 경우에도 오류가 표시된 첫 번째 계정 내역서를 귀하에게 제공한 후 60일 이내에 알리는 데 동의합니다. 해당 계좌 명세서가 제공된 후 60일 이내에 당사에 오류를 통보하지 않는 한, 해당 계좌 명세서에 표시된 MDC 서비스를 통해 입금된 모든 입금은 올바른 것으로 간주되며 당사는 어떠한 청구도 조사할 의무가 없습니다. 당신이 저지른 실수.

6.11. 지불 거절

We can chargeback your Account or any other deposit account you have with us for the amount of any item, its image or any other representation of an item that is:

- returned to us; or
- is rejected by us for any reason, including when we believe it has been previously submitted or deposited with us or with anyone else.

This is true even if you have made withdrawals against any amount we have credited to your Account for the deposited item that was returned or rejected.

We can also charge fees connected to the chargeback as described in your Account Agreement and any other agreements you have with us.

6.12. 수수료

If your mobile device is lost or stolen, or if you believe there has been unauthorized activity involving the MDC Services, tell us immediately by emailing help@softwrapbank.com or calling 1-442-264-2765 and promptly change your password.

6.13. 보안

You are responsible for protecting your mobile device against unauthorized use as well as any losses and damages from unauthorized access. You will protect your mobile device, set up strong passwords and take other reasonable security precautions to protect your mobile device from unauthorized use. Always keep your passwords secret and remember that neither we nor any of our employees or agents will ever ask for your password. If you receive a communication from anyone requesting that you provide your password, do not respond. We are not responsible or obligated for any of these security precautions. If another person uses the MDC Services with your mobile device, you will be responsible for their actions on the Account as well as anyone else they allow to use your mobile device. This will be true even if you did not want, or agree to, their use.

If your mobile device is lost or stolen, or if you believe there has been unauthorized activity involving the MDC Services, tell us immediately by emailing help@softwrapbank.com or calling 1-442-264-2765 and promptly change your password.

6.14. MDC 서비스 중단

MDC 서비스는 유지 관리, 기술 문제 또는 기타 이유로 인해 때때로 제공되지 않을 수 있습니다. MDC 서비스를 이용할 수 없는 경우 당사는 책임을 지지 않습니다. 당사는 귀하에게 발생할 수 있는 기술적 또는 기타 어려움이나 그에 따른 손해에 대해 책임을 지지 않습니다. 당사는 귀하에게 사전 통지 없이 언제든지 즉시 MDC 서비스의 전체 또는 일부 사용을 변경, 일시 중지, 중단 또는 제한할 권리를 보유합니다.

6.15. 소유권 및 라이선스

You agree that we retain all ownership and proprietary rights in the MDC Services, associated content, technology, and website(s). Your use of the MDC Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the MDC Services. Without limiting the restriction of the foregoing, you may not use the MDC Services:

- in any anti-competitive manner;
- for any purpose which would be contrary to our business interests (as deemed by us in our sole discretion); or
- to our actual or potential economic disadvantage in any aspect.

6.16. 면책 및 책임의 제한

You agree to indemnify, defend, and hold us, and any of our services providers responsible for administering the MDC Services, harmless from any losses incurred from (1) your breach of the Agreement, (2) a return of a check deposit made using the MDC Services due to incomplete or incorrect information provided, a closed account, or insufficient funds, and (3) fraudulent activity.

YOU AGREE YOUR USE OF THE MDC SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES, INCLUDING OUR SERVICE PROVIDERS) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE WILL (i) MEET YOUR REQUIREMENTS, (ii) BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR (iii) PROVIDE ACCURATE OR RELIABLE RESULTS.

You agree that neither we nor any service provider we use to facilitate the MDC Services will be liable for any direct, indirect, incidental, special, consequential, exemplary or punitive damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other losses resulting from the use or the inability to use the Service incurred by you or any third party arising from or related to the use of, inability to use, or the termination of the use of the MDC Services, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise), even if we have been informed of the possibility thereof.

6.17. 종료

당사는 귀하가 파산하거나 파산 신청을 하는 경우, 본 계약의 중대한 위반, MDC 서비스 사용과 관련된 사기 행위 또는 부작위를 포함하여 어떤 이유로든 MDC 서비스에 대한 액세스를 종료할 수 있습니다. 귀하의 MDC 서비스 사용에 적용되는 규칙에 변경 사항이 있는 경우.

6.18. 제3자 수혜자

귀하는 귀하의 MDC 서비스 사용을 촉진하는 제3자 서비스 제공자가 본 계약의 제3자 수혜자이며 제3자 서비스 제공자가 귀하에 대해 본 계약의 의무를 직접 집행할 권리가 있음을 인정하고 이에 동의합니다.

7. 기타 법적 이용 약관

7.1. 할당 없음

귀하의 계정과 본 계약에 따른 귀하의 의무는 양도할 수 없으며 대출이나 기타 목적을 위한 담보로 양도할 수 없습니다. 당사는 본 계약에 따른 권리를 양도할 수 있습니다.

7.2. 귀하의 계정에 영향을 미치는 법적 절차 및 청구

당사가 귀하에 대한 부과금, 압류 또는 기타 법적 절차(총칭하여 "법적 절차")를 받는 경우 법적 절차가 기각되거나 만족될 때까지 귀하의 계정에서 인출 또는 이체를 허용하지 않을 수 있습니다. 모든 법적 절차에는 당사의 상계권 및 보안 이익이 적용됩니다. 귀하는 귀하의 계정과 관련된 분쟁이나 법적 소송의 결과로 발생한 손실, 비용 또는 지출에 대한 책임이 있습니다. 당사가 귀하의 계좌에 있는 자금에 대한 청구를 받거나 귀하의 계좌에 있는 자금의 소유권 또는 통제에 관한 분쟁이 있음을 알고 있거나 믿는 경우 당사는 재량에 따라 다음을 수행할 수 있습니다. 귀하의 계정을 확인하고 분쟁이 해결될 때까지 자금 지급을 거부합니다. (2) 귀하의 계정을 폐쇄하고 잔액을 지정된 계정 소유자에게 보냅니다. (3) 조치를 취하려면 법원 명령이 필요합니다. 또는 (4) 우리를 보호하기 위해 필요하다고 생각되는 기타 조치를 취합니다. 당사는 그러한 조치를 취하는 데 대해 귀하에게 책임을 지지 않습니다.

7.3. 책임 제한 및 보증 부인

EXCEPT AS REQUIRED BY LAW, WE ARE NOT LIABLE FOR ANY CLAIMS, COSTS, LOSSES, OR DAMAGES RESULTING DIRECTLY OR INDIRECTLY FROM OUR FAILURE TO ACT, OR ANY DELAY BEYOND TIME LIMITS PRESCRIBED BY LAW OR PERMITTED BY THIS AGREEMENT IF SUCH FAILURE OR DELAY IS CAUSED BY MAINTENANCE OR INTERRUPTION OR MALFUNCTION OF EQUIPMENT OR COMMUNICATION FACILITIES, UNUSUAL TRANSACTION VOLUME, SUSPENSION OF PAYMENTS BY ANOTHER FINANCIAL INSTITUTION, FIRE, NATURAL DISASTERS, ELEMENTS OF NATURE, GOVERNMENT ACTION, ACTS OF WAR, TERRORISM OR CIVIL STRIFE, EMERGENCY CONDITIONS, OR OTHER CIRCUMSTANCES BEYOND THE REASONABLE CONTROL OF BLUE RIDGE BANK, N.A. EXCEPT AS REQUIRED BY LAW, OUR LIABILITY TO YOU FOR A CLAIM IS LIMITED TO THE FACE VALUE OF THE ITEM OR TRANSACTION, OR THE ACTUAL VALUE OF ANY FUNDS NOT PROPERLY CREDITED OR DEBITED. IN NO EVENT WILL WE OR UNIT BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT AS REQUIRED BY LAW AND NOTWITHSTANDING ANYTHING TO THE CONTRARY, WE SHALL ONLY BE RESPONSIBLE AND LIABLE FOR OUR OWN GROSS NEGLIGENCE OR WILLFUL MISCONDUCT IN PERFORMING OUR OBLIGATIONS UNDER THIS AGREEMENT. WE SHALL NOT BE LIABLE TO ANY THIRD PARTY OR FOR ANY ACT OR OMISSION OF YOURS OR ANY THIRD PARTY, INCLUDING, BUT NOT LIMITED TO, THIRD PARTIES USED BY US IN EXECUTING ANY TRANSACTION CONTEMPLATED BY THIS AGREEMENT OR PERFORMING A RELATED ACT AND NO SUCH THIRD PARTY SHALL BE DEEMED TO BE OUR AGENT.

IN ADDITION, EXCEPT AS REQUIRED BY LAW, BLUE RIDGE BANK, N.A. IS NOT LIABLE OR RESPONSIBLE FOR ANY SERVICES OR FEATURES OF ANY ONLINE BANKING SERVICES PROVIDED TO YOU BY SOFTWRAP TECHNOLOGIES, INC. WE ARE ALSO NOT LIABLE FOR ANY UNAUTHORIZED ACCESS OF YOUR INFORMATION OR DATA BY A THIRD PARTY DUE TO YOUR USE OF THIRD-PARTY COMMUNICATION CHANNELS NOT OFFERED BY US.

ALL BANK SERVICES AND ACCOUNT FEATURES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THE BANK’S SERVICES OR ACCOUNT FEATURES WILL MEET YOUR REQUIREMENTS, BE CONTINUOUS, UNINTERRUPTED, SECURE, TIMELY, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

7.4. 보증

You agree to indemnify and hold us and our officers, directors, shareholders, employees, successors, predecessors, representatives, principals, agents, assigns, parents, subsidiaries and/or insurers harmless for any losses, damages, suits and expenses, including reasonable attorneys’ fees, that we may incur, without regard to the merit or lack thereof, arising out of, or related in any way to (1) the matters set forth herein; (2) our taking any action or not taking any action that we are entitled to take pursuant to this Agreement; (3) any action or omission by you; or (4) our action or inaction in reliance upon oral, written or electronic instructions or information from you.
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Equally, you agree to indemnify and hold Unit and its officers, directors, shareholders, employees, successors, predecessors, representatives, principals, agents, assigns, parents, subsidiaries and/or insurers harmless for any losses, damages, suits and expenses, including reasonable attorneys’ fees, that we may incur, without regard to the merit or lack thereof, arising out of, or related in any way to (1) the matters set forth herein; (2) our taking any action or not taking any action that we are entitled to take pursuant to this Agreement; (3) any action or omission by you; or (4) our action or inaction in reliance upon oral, written or electronic instructions or information from you.

7.5. 당사의 상계권 및 담보권

We have the right to set-off any liability, direct or contingent, past, present or future that you owe against any account you have with us. This means that we can take any funds in your Account or any other account you have with us to pay any debt or liability you owe us. You also agree to grant us a security interest in your Account to secure payment of any money that you owe to us or will owe us arising under this Agreement or any other agreements with us. You acknowledge that this security interest is consensual and in addition to any right of set-off. We may exercise our security interest or right of set-off without regard to the source of the funds in your Account or prior recourse to other sources of repayment or collateral, even if it causes you to incur penalties or suffer any other consequence. You waive any conditions or limits to our right of set-off to the maximum extent permitted by law. We will notify you if we exercise our right to set-off if required by law.

If we take any action to collect debt incurred by you or other amounts you owe us under this Agreement or defend ourselves in a lawsuit brought by you where we are the prevailing party, you agree to reimburse us for our losses, including, without limitation, reasonable attorneys’ fees, to the extent permitted by applicable law. We may charge your Account for our losses without prior notice to you.

7.6. 약관 및 추가 서비스 변경

We may change this Agreement, or any fees and features of your Account, at any time by posting an amended Agreement on the Program Partner's website, https://softwrapbank.com , and any such amendment shall be effective upon posting. We will give you advance notice of any change where required by law. We may provide such notice to you with your statement, electronically, or by mail. Any notice we provide to you will be binding and sent to the last (postal or electronic) address in our records. We may change your address if we receive an address change notice from the U.S. Postal Service. We may change or terminate this Agreement without notice at our discretion or to comply with any appropriate federal or state law or regulation.

If we make any of our other banking services available to you in connection with your Account, we may provide certain terms and conditions for those additional services to you in a separate agreement or disclosure.

7.7. 권리 포기 없음

We may waive or decline to enforce any of our rights under this Agreement without obligating ourselves to waive such rights in the future or on any other occasion. We may release any other person obligated under this Agreement without affecting your responsibilities under this Agreement.

7.8. 충돌 및 섹션 제목

If there is a conflict between this Agreement and any other document or statement made to you concerning the Account, this Agreement will govern. If there is a conflict between this Agreement and any other document or statement made to you concerning any services or products other than the Account, the separate terms and conditions applicable to that service or product will govern. Section headings that appear in this Agreement are for convenience purposes only and are intended to help you find information. They should not be construed as affecting the meaning of the Agreement.

7.9. 분리 가능성

If any court or tribunal of competent jurisdiction determines that any provision of this Agreement is illegal, invalid or unenforceable, the remainder of this Agreement shall not be affected. To the extent permitted by law, the parties waive any provision of law which prohibits or renders unenforceable any provisions of this Agreement, and to the extent that such waiver is not permitted by law, you and us agree that such provision will be interpreted as modified to the minimum extent necessary to render the provisions enforceable.

7.10. 준거법, 포럼 및 시간 제한

All actions relating to your Account and this Agreement will be governed by the laws and regulations of the United States and the Commonwealth of Virginia where your Account will be opened, irrespective of conflict of law principles. You agree that any dispute arising under this Agreement or relating in any way to your relationship with us that is not arbitrated will be resolved in a federal or state court located in Virginia and that you will be subject to such court’s jurisdiction.

Except where prohibited by law, you agree that you must file any lawsuit or arbitration against us within two (2) years after the claim arises unless federal or Virginia law, or another agreement you have with us, provides for a shorter time. If federal or Virginia law requires a longer period than the periods in this Agreement, you agree to the shortest period permitted under the law.

8. 중재 및 권리 포기

귀하는 본 조항을 주의 깊게 읽고 귀하와 당사 사이에 분쟁이 발생할 경우 귀하의 권리가 제한된다는 점을 이해하시기 바랍니다.

8.1. 중재선거

귀하, SoftWrap LLC 및 은행은 청구 해결을 위한 유일하고 배타적인 포럼 및 구제책이 본 7항(“중재 조항”)에 따른 최종적이고 구속력 있는 중재라는 데 동의합니다. 본 중재 조항에 사용된 "청구"에는 귀하(또는 귀하를 통해 청구하거나 귀하와 연결된 사람)와 당사가 관련된 모든 과거, 현재 또는 미래의 청구, 분쟁 또는 논란이 포함됩니다. 본 중재 조항, 그 일부 또는 전체 계약의 유효성 또는 집행 가능성을 포함하여 본 계약 및/또는 본 계약과 관련되거나 이로 인해 발생하거나 결과로 이어지는 활동 또는 관계와 관련되거나 이로 인해 발생합니다. 청구는 계약으로 인해 발생하는지 여부에 관계없이 중재 대상입니다. 불법 행위(의도적이든 아니든) 헌법, 법령, 관습법 또는 형평의 원칙; 또는 그렇지 않으면. 청구에는 최초 청구, 반대 청구, 교차 청구, 제3자 청구 등으로 발생하는 사항이 포함됩니다. 귀하의 청구가 적격하고 해당 문제가 해당 법원에 남아 있고 개인(비집단, 비대표) 기준으로만 진행되는 한 소액 청구 법원에서 계속 청구를 주장할 수 있습니다. 본 중재 조항의 범위는 집행 가능한 가장 폭넓은 해석이 제공되어야 합니다.

8.2. 연방중재법의 적용 가능성 중재자의 권한

본 중재 조항은 주간 상업과 관련된 거래에 따라 작성되었으며 연방중재법(“FAA”)의 적용을 받으며 집행 가능합니다. 중재인은 FAA 및 해당 공소시효에 부합하는 실체법을 적용합니다. 중재인은 본 중재 조항에 명시된 제한 사항에 따라 관련 실체법이 허용하는 손해 배상 또는 기타 유형의 구제 조치를 결정할 수 있습니다. 중재인은 법원에 적용되는 사법 절차 규칙 및 증거에 구속되지 않습니다. 중재인은 기밀 정보를 합리적으로 보호하기 위한 조치를 취해야 합니다.

8.3. 비공식 분쟁 해결

If a Claim arises, our goal is to address your concerns and, if we are unable to do so, to provide you with a neutral and cost-effective means of resolving the dispute quickly. You agree that before filing any claim in arbitration, you will first submit your Claim to us by email at help@softwrapbank.com and provide us with the opportunity to resolve your concern prior to initiating arbitration.

8.4. 중재 절차

The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or Judicial Alternatives and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. If you have any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may call 1(800) 778-7879 or visit the AAA's web site at: www.adr.org . If you have any questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 or visit their web site at: www.jamsadr.com . In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. The arbitration will be held in the United States county where you live or work, or any other location we agree to.

8.5. 중재 수수료

저희가 중재를 시작하는 경우, 저희는 모든 관리인의 접수 비용과 관리 수수료(청문회 비용 제외)를 지불해야 합니다. 귀하가 중재를 시작하는 경우, 접수 비용 및 관리 수수료(청문회 수수료 제외)는 선택한 관리인의 규칙에 따라 지불되어야 하며, 관리인의 규칙에 위배되는 경우 상계법에 따라 지불되어야 합니다. 우리는 하루 종일 중재 청문회에 대한 관리자의 청문회 비용을 지불합니다. 1일을 초과하는 심리 비용은 관리자의 규칙이나 해당 법률에서 달리 요구하지 않는 한, 또는 귀하가 당사에 비용 지불을 요청하고 당사가 그렇게 하기로 동의하지 않는 한, 심리를 요청하는 당사자가 지불합니다. 법률에 달리 규정된 경우를 제외하고 각 당사자는 변호사 비용을 각자 부담해야 합니다. 법령에 따라 귀하에게 이러한 수수료를 회수할 수 있는 권리가 부여되는 경우, 본 계약서에 상반되는 내용이 있더라도 중재에 이러한 법적 권리가 적용됩니다.

8.6. 항소

중재인이 최종 판정을 내린 후 30일 이내에 모든 당사자는 중재인 관리인의 규칙에 따라 선택된 3인의 중재인 패널의 재심사를 위해 판정에 대해 항소할 수 있습니다. 그러한 항소가 있는 경우, 반대 당사자는 항소 통지 후 30일 이내에 교차 항소할 수 있습니다. 패널은 항소된 초기 판정의 모든 측면을 새롭게 재검토할 것입니다. 항소의 비용 및 수행은 최초 중재 절차와 동일한 방식으로 본 중재 조항 및 관리자의 규칙에 따라 규율됩니다. 항소 대상이 아닌 개별 중재인의 판정 및 항소에 대한 패널 판정은 연방 중재법(“FAA”)에 따른 항소 권리를 제외하고 최종적이고 구속력을 가지며 다음 판결로 입력될 수 있습니다. 관할권이 있는 모든 법원.

8.7. 집단 소송 금지

NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT.
Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this Section 7.7, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this Section 7.7 shall be determined exclusively by a court and not by the administrator or any arbitrator.

8.8. 중재 조항의 생존 및 분리 가능성

본 중재 조항은 본 계약이 종료된 후에도 유효합니다. 7.7항을 제외한 본 중재 조항의 일부가 유효하지 않거나 시행할 수 없는 것으로 간주되는 경우에도 본 중재 조항의 나머지 부분은 유효하고 유효합니다. 해당 법률이 특정 구제 청구 또는 특정 기간에 대한 본 중재 조항의 제한사항 시행을 배제한다는 최종 사법 결정이 있는 경우, 해당 청구(해당 청구만 해당) 또는 해당 용어(해당 용어만)가 중단되어야 합니다. 중재 조항에 따라 법정에 회부될 수 있습니다. 중재가 집단, 대표 또는 집단 기준으로 제기되고 섹션 7.7의 해당 절차에 대한 제한이 섹션 7.7의 마지막 문장에 따라 최종적으로 집행 불가능하다고 판결되는 경우에는 중재가 실시되지 않습니다. 어떠한 경우에도 무효화로 인해 중재인이 청구를 결정하거나 본 중재 조항에서 승인된 것 이상으로 보상을 내릴 권한을 부여하는 것으로 간주되지 않습니다.

8.9. 청구에 대한 사법 포럼

해당 법률에서 달리 요구하는 경우를 제외하고, 본 중재 조항이 귀하 또는 귀하의 청구에 적용되지 않는 것으로 판명되는 경우, 귀하와 은행은 모든 사법 절차(소액 청구 소송 제외)가 해당 연방 법원 또는 주 법원에서 진행된다는 데 동의합니다. 버지니아 연방. 귀하와 은행 모두 그곳의 장소와 개인 관할권에 동의합니다. 우리 둘 다 배심원 재판에 대한 권리를 포기하는 데 동의합니다.

8.10. 소송 권리의 포기

당사자들은 판사나 배심원 앞에서 법원을 통해 소송을 제기할 권리가 있음을 인정하지만 이로써 본 계약 및 중재 조항에 동의함으로써 해당 권리를 인지하고 자발적으로 포기합니다.