MasterCard® SecureCode™ Terms of Service

Welcome and thank you for choosing to use the SecureCode service ("SecureCode") from Saugus Federal Credit Union. Please read this Terms of Service Agreement carefully before using SecureCode. In this Agreement, "we," "us," or "our" refers to Saugus Federal Credit Union, and "you," "your," or "yours" refers to the user of SecureCode.

This Terms of Service Agreement supplements and is incorporated in our cardholder agreement(s) with you. In addition to this Terms of Service Agreement, SecureCode is also subject to the Cardholder Agreement governing the card transactions for which SecureCode is used.

• ACCEPTANCE OF TERMS
  • SecureCode provides its service to you, subject to the following Terms of Service ("TOS") and our Cardholder Agreement with you governing the card transactions for which SecureCode is used. The TOS may be updated by us from time to time without notice to you. You can review the most current version of the TOS at any time at http://www.saugusfcu.com/mc_securecode.htm
  • You agree that creation of a SecureCode account password, and/or use of SecureCode, will represent your acceptance of this TOS and that continued use of SecureCode after you have been advised of revisions to this TOS shall constitute your agreement to such revised terms and any applicable posted guidelines or rules.
  • Unless explicitly stated otherwise, any new features that augment, enhance or otherwise change SecureCode shall be subject to this TOS.
  • Saugus Federal Credit Union reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, SecureCode (or any part thereof) with or without notice.
  • Upon our request, you agree to sign a non-electronic version of this TOS.
    
• DESCRIPTION OF SECURECODE
  SecureCode provides you with a way of increasing security in online and other transactions for which SecureCode is used by reducing the chances of fraud for those transactions. Registering for SecureCode involves providing personal information to us, which is then used to confirm your identity in connection with future online transactions or other transactions for which SecureCode is used. SecureCode also may be used for record keeping and reporting purposes, as well as to help resolve any transaction disputes. Your Registration Data and other personal information is not shared with the merchant, as discussed in more detail in Section 3 below.
  
• PRIVACY POLICY
  • SecureCode stores your Registration Data. Your Registration Data will not be shared with online retail merchants or merchants in other transactions for which SecureCode is used.
  • You acknowledge and agree that SecureCode may keep your Registration Data and also may disclose your Registration Data if required to do so by Applicable Law, as defined in Section 8(a)(ix), in the good faith belief that such preservation or disclosure is permitted by Applicable Law, or as reasonably necessary to (i) comply with legal process or (ii) enforce this TOS.
  • Registration Data and all personally identifying information about you is subject to our Privacy Policy.
  • Registration Data and all personally identifying information about you is subject to our Privacy Policy. For more information, please see our full Privacy Policy at: http://www.saugusfcu.com/privacy.htm
    
• CARDHOLDER REGISTRATION, PASSWORD AND SECURITY
  • You agree to (i) provide true, accurate, current and complete information about yourself as prompted by SecureCode's registration form ("Registration Data"), and (ii) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any Registration Data that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that your Registration Data is untrue, inaccurate, not current or incomplete, we have the right to suspend, terminate, or refuse your current or future use of SecureCode. You can contact Saugus Federal Credit Union at (781) 233-0010. You mail also mail your request to: Saugus Federal Credit Union • 448 Lincoln Ave. • Saugus, MA 01906.
  • You are solely responsible for maintaining the confidentiality of your password, Registration Data and other verification information established by you with SecureCode, and all activities that occur using your password, Registration Data or other verification information supplied to or established by you with SecureCode. You agree not to transfer or sell your use of, or access to, SecureCode to any third party. You agree to immediately notify us by contacting us as we require in our cardholder agreement with you for a lost or stolen card of any unauthorized use of your password or other verification information, or any other breach of security. You acknowledge and agree that, except as otherwise provided by Applicable Law or in our cardholder agreement with you, Saugus Federal Credit Union shall not be liable for any loss or damage arising from your failure to comply with this TOS.

5.       YOUR CONDUCT

• You agree not to:
  • impersonate any person or entity using SecureCode;
  • upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment used by SecureCode;
  • spam or flood the SecureCode Website or service;
  • modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the SecureCode Website or service or the software used in connection with SecureCode;
  • remove any copyright, trademark, or other proprietary rights notices contained in SecureCode;
  • "frame" or "mirror" any part of the SecureCode Website or service without MasterCard's prior written authorization;
  • use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of the SecureCode Website or service or its contents;
  • otherwise interfere with, or disrupt, SecureCode or servers or networks connected to SecureCode, or violate this TOS or any requirements, procedures, policies or regulations of SecureCode or of any networks connected to SecureCode; or
  • intentionally or unintentionally violate any applicable local, state, national or international statute, regulation, regulatory guideline or judicial or administrative interpretation, or any rule or requirement established by MasterCard (all of which shall constitute "Applicable Law") in connection with your use of SecureCode. 
    
• LIABILITY
  • You agree that Saugus Federal Credit Union shall not be liable to you or to any third party for any modification, suspension or discontinuance of SecureCode.
  • Under no circumstances will we be liable for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your use of SecureCode.
  • Saugus Federal Credit Union assumes no responsibility for, and will not be liable for, any damages to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of, or downloading from, this Web site.  
    
• DEALINGS WITH MERCHANTS
  Your correspondence or business dealings with, or participation in promotions of, online retail or other merchants on or through SecureCode, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such merchant. You agree that, except as otherwise provided by Applicable Law or in our cardholder agreement with you, Saugus Federal Credit Union shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. You understand that use of SecureCode does not, in any way, indicate that we recommend or endorse any merchant, regardless of whether the merchant participates in SecureCode. For example, SecureCode does not verify the identity of the merchant or the quality of the merchant's goods or services. 
  
• DISCLAIMER OF WARRANTIES
  • You expressly understand and agree that any software obtained through the use of SecureCode is downloaded and used at your own discretion and risk and that except as otherwise provided in this TOS Agreement, you will be solely responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through SecureCode.
  • EXCEPT AS OTHERWISE REQUIRED BY ANY APPLICABLE STATE LAW, SAUGUS FEDERAL CREDIT UNION MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT SECURECODE OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
    
• AGE AND RESPONSIBILITY
  You represent that you are of sufficient legal age to use SecureCode and to create binding legal obligations for any liability you may incur as a result of the use of SecureCode. Except as otherwise provided by Applicable Law or in our cardholder agreement with you, you understand that you are financially responsible for all uses of SecureCode by you and those authorized by you to use your Registration Data, your password or other verification information.
  
            Support Toll Free Number 5:00 pm to 11:00 pm   
   
                            800-807-2979

** Debit Card **  
Enroll Today!
Just Click on the
 Icon Below

 

  ** Credit Card **
Enroll Today!
Just Click on the
 Icon Below

 
Learn how to protect yourself from internet fraud.
A great source for tips & information for our SFCU members