Effective as of December 5, 2022
Credit One Bank, N.A. (“Credit One Bank,” together with its affiliates, “we”, “us”, or “our”) maintains our various websites and mobile app (collectively referred to as “online channels”) as a service to our customers and visitors (“you” or “your”) in order to provide information about products and services and to facilitate communication with us. We require that all customers and visitors to our online channels adhere to these Terms of Use. By accessing our online channels or using any products or services offered on our online channels (collectively referred to as the “Services”) after the effective date set forth at the top of these Terms of Use, you indicate your acknowledgement and acceptance of the Terms of Use set forth herein without limitation or qualification.
We may revise the Terms of Use at any time by updating this posting, and such revisions shall be effective beginning on the effective date set forth at the beginning of this Terms of Use. You should therefore visit this posting to review the Terms of Use from time-to-time as you visit the online channels and/or use the Services. For the purposes of these Terms of Use, references to Credit One Bank include its affiliates, directors and employees.
PRIVACY - Credit One Bank’s Online Privacy Statement, available at https://www.creditonebank.com/privacy, (the “Online Privacy Statement”) is hereby incorporated by reference into these Terms of Use. You expressly hereby consent to and agree that we may collect, use, store, handle, and share your information in accordance with the Online Privacy Statement.
THIRD PARTY SERVICE PROVIDERS - We may use third party service providers to offer, maintain and optimize the Services, including to process transactions and payments and to provide other functions related to our business. Certain features of our Services may rely on third party service providers. By using those features, you acknowledge and agree to be bound by any additional terms and conditions applicable to such third party service providers, which we will provide or make available to you.
Envestnet / Yodlee (“Yodlee”) is one third party service provider that we may utilize in connection with the Services. When you request data from a source connected to our Service, Yodlee may be used to collect that data and provide it to us. If you link your checking or savings account with a third party institution to your account with us for verification purposes, Yodlee would be utilized to access the third party account, gather the specified information, and pass it on to us. In such an instance, Yodlee acts on our behalf in this process, which means we may share your data with Yodlee as one of our third party service providers. For more information on how Yodlee collects, uses, stores, and handles your data, please see Envestnet / Yodlee's FastLink Terms of Service at (https://solutions.yodlee.com/fastlink-terms.html).
By using our Services, you grant to us and to Yodlee the right, power, and authority to access and transmit personal and financial information from the relevant third party. You also agree that Yodlee may transfer, store, and/or process your personal and financial information in accordance with Yodlee’s Privacy Policy.
PROVISION OF CREDENTIALS AND ACCOUNTS - In connection with the use of the Services, you may be required to provide your log-in credentials to certain of your accounts (“Account Credentials”).
You acknowledge and agree that you provide your Account Credentials at your own risk.
By using our Services, you agree that the data sources that maintain your accounts and any third parties that interact with your Account Credentials or account data in connection with our Services are not liable for any loss, theft, compromise, or misuse whatsoever in connection with our Services (including negligence), except to the extent such liability cannot be limited under applicable law.
Data sources make no warranties of any kind related to the data provided by our Services - whether express, implied, statutory, or otherwise.
COPYRIGHT - The information and materials contained in the online channels, including but not limited to text and images herein (excluding certain images licensed from third parties) and their arrangement are © Copyright 2022 by Credit One Bank. The information and materials contained in the online channels may not be copied, displayed, distributed, licensed, modified, published, sold, used to create derivative work or otherwise used for public or commercial purposes without the express written permission of Credit One Bank.
NO WARRANTIES - The information and materials included on the online channels is provided "as is" and without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Furthermore, we make no representations as to the accuracy or completeness of the information. The information and materials on the online channels may include technical inaccuracies or typographical errors.
LIMITATION OF LIABILITY - BY USING THE ONLINE CHANNELS AND/OR SERVICES, YOU ACKNOWLEDGE THAT WE SPECIFICALLY DISCLAIM ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, UNSOLICITED OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING OUT OF YOUR ACCESS TO OR USE OF THE ONLINE CHANNELS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING DAMAGES ASSOCIATED WITH (i) ANY VIRUSES OR SOFTWARE WHICH MAY IMPACT A USER’S EQUIPMENT OR USE OF THE SERVICES; (ii) ANY UNAUTHORIZED ACCESS TO, ALTERATION OF, INACCURACIES OR INCOMPLETENESS ASSOCIATED WITH ANY DATA; OR (iii) ANY OTHER MATTER RELATING TO THE SERVICES. FROM TIME TO TIME WE MAY AMEND, CHANGE, ADD, DELETE, UPDATE OR ALTER THE INFORMATION AND/OR MATERIALS CONTAINED IN THE ONLINE CHANNELS, INCLUDING INFORMATION REGARDING THE PRODUCTS AND SERVICES DESCRIBED OR OFFERED ON THE ONLINE CHANNELS, WITHOUT NOTICE. WE ASSUME NO LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE INFORMATION OR MATERIALS CONTAINED WITHIN THE ONLINE CHANNELS AND EXPRESSLY DISCLAIM ANY RESPONSIBILITY TO UPDATE THE INFORMATION OR MATERIALS CONTAINED WITHIN THE ONLINE CHANNELS.
GOVERNING LAW - You agree that these Terms of Use and your use of the online channels and/or Services shall be governed by all applicable Federal laws and the law of the state of Nevada.
INFORMATION SUBMISSIONS - All information and materials (including but not limited to feedback data, documents, questions, comments, and suggestions) you submit to us via the online channels, email or text message shall be deemed to be the property of Credit One Bank and may be used by us in a manner consistent with our Privacy Policy. We shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute this information and materials to others without limitation. Furthermore, we shall be free to use any ideas, concepts, know-how or techniques contained in such information or materials for any purpose whatsoever, including but not limited to developing, manufacturing and marketing purposes. Application information submitted to us shall be treated confidentially to the extent required by applicable law or as disclosed in the application and/or supporting materials.
ADVERTISING DISCLOSURE AND LINKS TO OTHER WEBSITES - We do not provide, endorse, nor guarantee any third-party product, service, information, or recommendation available through links from the online channels. The third parties providing products and services available through the online channels are not affiliated with us and are solely responsible for their products, services, information, recommendations, and all other content on their websites. We shall not be held liable for any third party's failure with regard to such advertised products, services, and benefits. Many of these advertised products and services are not FDIC insured, nor bank guaranteed. By responding to offers advertised on the online channels, you may be communicating information about yourself to the company that provides such product or services - for example, that you are a Credit One Bank card member. Please be aware that these third parties may have a different privacy policy than ours. Their website(s) may also provide less security than ours. We encourage you to check individual offers, products, and services to become familiar with any applicable restrictions or conditions.