Terms and Conditions for Payment Solutions & Services Bill Pay

PAYMENT SCHEDULING
Payment Solutions & Services begins processing payment transactions four (4) business days prior to your scheduled payment date. Therefore, call Payment Solutions & Services for your bill payment(s) four (4) business days before the current date. When calling to schedule payments, you must specify a payment date that is no later than the actual due date reflected on your payee statement unless the due date falls on a non-business day. If the actual due date falls on a non-business day, you must select a scheduled payment date that is at least one (1) business day before the actual due date. Scheduled payment dates should be prior to any late date or grace period.

SERVICE GUARANTEE
Due to circumstances beyond the control of the service particularly delays in handling and posting payments by Payment Solutions & Services, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $ 50.00 should a payment post after its due date as long as the payment was scheduled in accordance with the guidelines described under Payment Scheduling in this agreement.

PRICING, STRUCTURE
The PS&S service is a regulated lender license, and PS&S provides service, to customer at the price set forth as follows:

One-time Membership fee - $10.00
Monthly administrative fee - $10.00
Low interest rate one - time only on initial amount 0%
competitive service fee $12.00

Customer will be charged a membership fee of $ 10.00 due upon initiation of this agreement. Customer will be charged a monthly access fee of $10.00. The prices set forth are subject to change, after the initial term of this agreement, upon 90 days advance written notice to Customer, which notice will be given via certified mail with an explanation of the change. The price change shall be in an amount sufficient to allow PS&S to maintain its objective which consists of quality service. All customer payment shall be made by Automated Clearing House (ACH). Customer will receive confirmation via mail or e-mail after each transaction and on the first of each month PS&S shall initiate the ACH transaction in the amount of $1.00. Customer shall click the agreement button to authorize this recurring payment by ACH.

PAYMENT POLICY
Pay in installments within fifteens days
After 90 days 1.5% daily interest assessed on unpaid balance
Pay by mail or office visit
Pay on line by choosing option make payment at www.payment-solutions.us

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE
By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize Payment Solutions & Services to follow the payment instructions that it receives through the payment organization. In order to process payments more efficiently and effectively, Payment Solutions & Services may edit data arrangement in accordance with payee directives. When Payment Solutions & Services receives a payment instruction, you authorize Payment Solutions & Services to debit Members Networking Corporation Payment Account; Credit payees account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the scheduled payment date designated by you. You also authorize Payment Solutions & Services to debit your billing account for payments disbursed on your behalf.

PAYMENT METHODS
Payment Solutions & Services reserves the right to select the method in which to remit funds on your behalf you your payee. These payment methods may include, but may not be limited to, an electronic payment, an electronic check payment, or a laser draft payment.

PAYMENT REQUEST CANCELLATION
You may cancel or edit any scheduled payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a scheduled payment. Once Payment Solutions & Services has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

STOP PAYMENT REQUESTS
Payment Solutions & Services ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. Payment Solutions & Services may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact customer service. Although the Service will make every effort to accommodate your request, Payment Solutions & Services will have no liability for failing to do so. Payment Solutions & Services may also require you to present your request in writing within fourteen (14) Days. The charge for each stop payment request will be the current charge for such service as set out in the applicable schedule.

FORBIDDEN PAYMENTS
Payments to payees outside of the United States or its territories are prohibited through Payments Solutions & Services.

EXCEPTION PAYMENTS
Tax payments and court ordered payments may be scheduled through Payment Solutions & Services; however such payments are discouraged and must be scheduled at your own risk. In no event shall Payment Solutions & Services be liable for any claims or damages resulting from your scheduling of these types of payments. Payments Solutions & Servicess guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and / or processed by Payment Solutions & Services. Payment Solutions & Services has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied or misdirected payments will be the sole responsibility of you and not of Payments Solutions & Services.  

BILL PAYMENT AND PRESENTMENT
This service is for the presentment of electronic bill payment on your behalf only and it is your sole responsibility to contact your payees directly if you do not receive your statements. In addition, if you elect to activate one of the services electronic bill payments, you also agree to the following:

INFORMATION PROVIDED TO THE PAYEE:
Payment Solutions & Services is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addressees, with the payee. Any changes will need to be made by contacting the payee directly. Additionally it is your responsibility to maintain all your information accurately. You also agree not to use someone else's information to gain authorized access to another persons bill.

ERRORS AND QUESTIONS
In case of errors or questions about your transaction, you should as soon as possible notify us via one of the following:
1. Telephone us at 954 749-1580 during customer service hour:
2. Contact us by using the applications e-messaging feature; and or,
3. Write us at PO Box 451071 Sunrise Fl 33045-1071
After payment Solutions & Services has paid a bill for you, in most case you'll receive a statement or a confirmation number. If you think either your statement or your confirmation number is incorrect or you need more information about service transaction (s) listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:
1. Tell us your name and Service account number;
2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your objection in writing within ten (10) business days after your verbal notification. We will tell you the results of our investigation within (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to sixty days (60) days to complete our investigation. If we decide to do this; we will provisionally credit your payment account within ten (10) business days for the amount you think is in error, if we ask you to submit your objection or question in writing and we do not receive it within ten (10) business days, we may provisionally credit your payment account. If it is determined there was not an error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

SERVICE FEE AND ADDITIONAL CHARGES
Any applicable fees will be charged every time you request Payment Solutions & Service to pay a bill for you. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize Payment Solutions & Services to deduct the calculated amount from your designated billing account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard billing accounts will continue to apply; and you are responsible for any additional ACH transaction fees; or the legal maximum whichever rate is lower.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:
1. Where it is necessary for completing transactions;
2. Where it is necessary for activating additional services;
3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or payee;
4. To a consumer reporting agency for research purposes only;
5. In order to comply with a governmental agency or court orders; or,
6. If you give us your written permission.

FAILED OR REFUSED TO REIMBURSE PAYMENT
In using Payments Solutions & Services you are requesting Payment Solutions & Services to make payment in your behalf from Members Networking Corp. payment account. Under this agreement you are required to pay any service fees and reimbursed bill(s) payment to the service within fifteen days of the initial notification. In such case you agree that:
1. For any amount not reimbursed to Payments Solutions & Services within fifteen (15) days of the initial notification, a late charge equal to 1.5% interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed:
2. You will reimburse Payments Solutions & Services for any fees imposed by your financial institution as a result of insufficient funds form your bill payment account.
3. You will reimburse Payments Solutions & Services for any fees it incurs in attempting to collect the amount of refusal from you; and Payments Solutions & Services is authorized to report the facts concerning your repudiation to any credit reporting agency.
4. Members Networking Corp. reserved the rights to terminate your membership.

LITIGATION:
In the event of litigation arising out of this agreement, it shall be maintained in the county where licensees principal place of business is located. Florida law shall govern the interpretation of this agreement. In the event of clients default licensee shall be entitled to reasonable attorney fees necessary to enforce the terms of this agreement, including appeal, and efforts to collect any judgment. Licensee shall be entitled to recover attorneys fees, court cost and expenses in any action filed against borrowers at both trial and appellate level, which items shall be secured in the same manner as previously set fort herein. The covenants and agreements of this contract shall bind and inure to the benefit of the borrowers, their successors and assigns, and of licensee, its successors and assigns. If any part of this agreement is void for any reason, the remaining balance of the agreement will forever be in full force and effect.

SERVICES MARKS:
Payment Solutions & Services is registered service marks of Members Networking Corp. Other service marks and copyrights are the property of their respective holders. You may not use these marks without the prior written permission of Payment Solutions & Services or the respective mark owner.

FAILED OR RETURNED TRANSACTIONS
In using Payment Solutions & Services, you are requesting Payment Solutions & Services to make payment for you from Members Networking Corp. payment account, if we are unable to complete the transaction for any reason associated with your incorrect information (for example) there is an error on your social security number, your address, or your billing account number, the transaction will not be completed. In some instances, you will receive a return notice from Payment Solution and Services. In case you agree that:
1. Payment Solutions & Services will not reimburse the service fee, but we will continue to make several attempts to complete transaction at a discount charge.
2. You will reimburse Payment Solutions & Services for any fees imposed by ACH as a result of the return.

ALTERATIONS AND AMENDMENTS
This agreement, applicable fees and service charges may be altered or amended by Members Networking Corp. from time to time. In such event, Payment Solutions & Services shall provide notice to you. Any use of the Service after the service Payment Solutions & Services provides you a notice of change will constitute your agreement to such change(s). Further, Payment Solutions & Services may, from time to time, revise or update the applications, services, and /or related material, which may render all such prior versions obsolete. Consequently, Payments Solutions & Services reserves the right to terminate this agreement as to all such prior versions of the applications, Payment Solutions & Services, shall limit access to only Payment Solutions & Services more recent revisions and updates.

ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and e-mail addresses. Changes can be made either within the applications or by contacting customer service. Any changes in your Billing account should also be made in accordance with the procedures outlined within the applications help information. All changes made are effective immediately for scheduled and future payments paid form the updated billing account information. Payment Solutions & Services is not responsible for payment processing errors or fees incurred if you don not provide accurate billing account or contact information.

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
In the event you wish to cancel the Service, you may have the ability to do so by contacting customer service via one of the following:
1. Telephone us at (954) 749-1580 during customer service hours; and /or
2. Write us at: Payments Solutions & Services customer Service P.O Box 451071 Sunrise, Fl 33045 - Any payment(s) Payment Solutions & Services has already processed before the requested cancellation date, will be completed by Payment Solutions & Services. All scheduled payments, including recurring payments, will not be processed once the Service is cancelled. Payment Solutions & Services may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

PAYEE RESTRAINT
Payments Solutions & Services reserves the right to refuse to pay any payee to whom you may direct a payment. Payment Solutions & Services will notify you promptly if it decides to refuse to pay a payee designed by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.

RETURNED PAYMENTS
In using the Service, you understand that payee may return payment to Members Networking Corp. payment account for various reasons such as, paying wrong amount. In such case your billing account number is not accessible; payee is unable to locate your account. Payee will credit Members Networking Corp. payment account. Therefore, Payment Solutions & Services will use its best efforts to credit your billing account. You may receive notification from Payments Solutions & Services.

INFORMATION AUTHORIZATION
Your enrollment with Payment Solutions & Services may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that Payment Solutions & Service reserves the right to request a review of your credit rating at its own expense though an authorized bureau, In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a payee or your financial institution (for example, to resolve payment posting problems or for verification).

PAYMENT REQUEST AND ACTIVITIES
For the purpose effectively coordinating the Members bills Payment Request to its specific account. The requester shall:

1)   Complete the request payment form accurately.

2)   Requested payment seven to ten (7-10) Business days before your bills payment schedule due date. In addition, if your bill is overdue, Payment Solutions & Services will pay only what is being requested, and not responsible for late fees and account interruption of service.

3)   Not utilize the current day and date on payment solutions& Services electronic forms as your bill payment due date.

4)   Be available when being contacted by Payment &Solutions & Services to confirm or correct any discrepancies that may occur before submit payment to payee.

5)   SHALL COMPLY WITH THE IMFORMATION LISTED ABOVE (number 1-4). SHOULD YOU NOT COMPLY? AN EFFECTIVE PAYMENT CANNOT BE CONDUCTED OR SUBMITED, YOUR PAYMENT PROCESS WIL BE DELAYED DUE TO LACK OF SPECIFICITY OR LACK OF COMPLIANCE WITH PAYMENT SOLUTIONS &SERVICES REGULATIONS.

PREVENTION & PROTECTION
Payment Solutions & Services merges under one roof the capability to anticipate   preempt and deter identity theft to our members whenever possible and ability  to block quickly such identity theft when taken place. To prevent and protect your identity we conduct business according to the prescribe "verification of Identity"

Pursuant to Payment Solutions & Services regulations under supervision Homeland Security Act. Your verification identity must include a copy of your Social Security Number, Driver license number and state issuance, and date of birth year in four (4) digit format. In addition, a copy of your original signature, and avoided check of your institution must be mailed or brought to Payment Solutions & Services after on line registration being submitted.   Identity Verification process will begin. But until document requested is received, your membership account will not be activated. Allow seven to ten (7-10) Business days upon received documents to confirm or correct any discrepancies that may occur.

NOTE: WITHOUT THE ABOVE INFORMATION, AN EFFECTIVE SEARCH CANNOT BE CONDUCTED, AND YOUR REGISTRATION PROCESS WILL BE DELAYED DUE TO LACK OF SPECIFICITY OR LACK OF COMPLIANCE WITH PAYMENT SOLUTIONS& SERVICES AND HOMELAND SECURITY REGULATIONS.

DISPUTES
In the event of a dispute regarding the Service, You and Payment Solutions & Services agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Payment Solutions & Services which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this agreement. If there is a conflict between what an employee of Payment Solutions & Services or customer service department says and the terms of this agreement, this agreement will prevail.

ASSIGNMENT
You may not assign this agreement to any other party. Payment Solutions & Services may assign this agreement to any future, directly of indirectly affiliated company. Payment Solutions & Services may also assign or delegate certain of its rights and responsibilities under this agreement to independent contractors or other third parties

NO WAIVER
The service shall not be (deemed/ considered) to have (waived / put aside) any of its rights or remedies hereunder unless such waiver is in writing and signed by Payment Solutions &Services. No delay or faux pas on the part of Payment Solutions & Services in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver is on any one occasion shall not be (construed/interpreted) as a bar or waiver of any rights or remedies on future occasions.

SLOGANS
The slogans of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the materials of this agreement.

AGREEMENT TO ARBITRATE ALL DISPUTES:
By signing below and to induce us, Members Networking Corp. to process your application for a bill payment account, we agree that any and all claims, disputes or controversies that we or our agent have against you or that you have against us, our, agents directors officers and employees, that arise out of your application for a bill payment account, the bill payment or agreement that you must sign to obtain a bill payment account, this agreement to arbitrate all disputes, collection of the payment or alleging fraud or misrepresentation, whether under the common law or pursuant to federal or state statute or regulation, including the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not class) arbitration by and under the Code of procedure of National Arbitration Forum (NAF) in effect at the time the claim is filed, This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed, Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www. Arb-forum.com, or at National Arbitration Forum, P.O Box 50191, Minneapolis, Minnesota 55405. If you are unable to pay the costs of arbitration, your arbitration fees may be waived by the NAF. The costs of any participatory, documentary or telephone hearing, if one is held at your or our request, will be paid for solely by us as provided in the NAF rules and if a participatory hearing is requested, it will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce; it shall be governed by the Federal arbitration Act, 9 U.S. C. Sections 1-16. Any party in any court having jurisdiction may enter judgment upon the award. This agreement and shall survive the closing and repayment of the bill payment for which you are applying.

NOTICE:
YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDED THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.

AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS:
To the extent permitted by law, by signing below your agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our against us or our agents, directors, officers and employees. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit, You agree to pay the costs we incur, including our court costs and attorneys fees in seeking such relief. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring or participate in class action suits is and independent agreement and shall survive the closing and repayment of the bill payment for which you are applying.

RESTRICTIONS ON BILL PAYMENTS
PAYMENTS SOLUTIONS & SERVICES PAYS THE BILL YOU NEED TO MEET IMMEDIATE SHORT-TERM CASH FLOW BILL PAYMENTS PROBLEMS. PAYING YOUR BILL IS NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS FOR WHICH OTHER KINDS OF FINANCING MAY BE MORE APPROPRIATE. YOU MAY WANT TO DISCUSS YOUR FINANCIAL SITUATION WITH A NON PROFIT FINANCIAL COUNSELING SERVICE IN YOUR COMMUNITY. THE MAXIMUM BILL PAYMENT LIMIT RANGES FROM $ 0.00 TO $ 500.00 NO MORE THAN 20% OF YOUR NET INCOME AND OR NOT EXCEEDING $ 500.00 DOLLARS GOVERNING LAW

This agreement shall be governed by and construed in accordance with the laws of the state of Florida, without regard to its conflicts of laws provisions. THE FORGOING SHALL CONSTITUTE PAYMENT SOLUTIONS & SERVICES AND ITS THIRD PARTY SUPPLIERS ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL PAYMENT SOLUTIONS & SERVICES OR ITS THIRD PARTY SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES INCLUDING LOST PROFITS, (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION USE, OR MAINTENANCE OR THE EQUIPMENT, SOFTWARE, AND/OR PAYMENT SOLUTIONS & SERVICES.

PRIVACY NOTICE
The information you provide to Members Networking Corp. will be used to open and maintain your Payment Solutions Services bill pay account. Payment Solutions & Services does not share your information with outside companies for their promotional use. Occasionally, Payment Solutions & Services may contact you about Services and special offers that may interest you. If you prefer not to receive special offers from us, please write us at Members Networking Corp. Customer communications, P.O Box 451071 Sunrise, FL

NOTICE: KEEP THIS AGREEMENT TO PROTECT YOUR RIGHTS.

Acceptance Conditions Document
I accept and agree to all of the terms and conditions of Members Networking Corp dba Payment Solutions & Services agreement, as may be amended from time to time according to its terms. I further acknowledge receipt of Payment Solutions & Services privacy practices. My enrollment shall constitute my acknowledgement that I have read Payment solutions & Services agreement and have retained copies for my records.

I have read and accept the Terms and Conditions of Payment Solutions & Services Agreement. I am not a prohibited person i.e. ineligible to understand Payment Solutions & Services Agreement.

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