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These initial disclosures are made in compliance with federal law regulating electronic funds transfer services. Electronic funds transfers are electronically-initiated transfers of money involving your Tally Save account. These disclosures describe your rights and responsibilities and Tally Technologies, Inc.’s (“Tally”) rights and responsibilities.
In these disclosures, the words “you” and “your” mean the person who opened the Tally Save account and the authorized user of the U.S. depository account linked to the Tally Save account. The words “we” and “us” and “our” mean Tally.
You may authorize a third party to initiate electronic fund transfers between your Tally Save account and the linked U.S. depository account or a linked credit card. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payment network. Your authorization to the third party to make these transfers can occur in a number of ways. In all cases, you should only provide your account information to trusted third parties whom you have authorized to initiate these electronic fund transfers. You are liable for transfers initiated by authorized third parties.
In the event of an unauthorized electronic funds transfer due to the loss or theft of your device, you will need to let us know two business days after learning about the loss or theft to be liable for the lesser of $50 or the total amount of unauthorized transfers that occurred during that time period.
If you inform us more than two business days later but up to 60 calendar days after we send you a statement showing the first unauthorized EFT, you will be liable for the lesser of $500 or the sum of $50 or the total amount of unauthorized transfers occurring in the first two business days, whichever is less; and the amount of unauthorized transfers occurring after two business days and before notice to us.
If an unauthorized transfer occurs that does not involve the loss or theft of your device, you must let us know within 60 days after we send the periodic statement containing the unauthorized transfer to have no liability. If you inform us more than 60 days after we send you the periodic statement with the unauthorized transfer, you will have unlimited liability for unauthorized transfers occurring 60 days after the periodic statement and before notice to us.
You may access your Tally Save account through the Tally Save mobile application. You may also contact us at 866-508-2559 or Tally Save, P.O. Box 411165, San Francisco, California 94141 or firstname.lastname@example.org.
Tally’s standard business days are Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays, Saturday, and Sunday are not business days.
If you turn on auto-deposits in your Tally Save account you can automatically transfer at least $5 per week from your linked bank account to your Tally Save account on the business day you choose. Daily transfer restrictions may apply.
You may also instruct Tally Save to apply the balance in your Tally Save account to a credit card that you link to your Tally Save account. If you instruct Tally Save to apply your Tally Save balance to a credit card, all of the funds in your Tally Save account will be transferred on the 1st of each month, or the soonest business day after the 1st.
There are no fees to use Tally Save.
You will get a monthly periodic statement from Tally Save if you actively use your account. In any case, you will at least get a quarterly periodic statement from Tally Save.
Receipts for transfers are available in the Tally Save application. You will receive an email notification approximately one day before funds move from your checking account to your Tally Save account, and when funds are sent from your Tally Save account to your credit card.
If you have scheduled auto-deposits from your bank account to your Tally Save account, or payment instructions from your Tally Save account to your credit card, you can stop any of these payments; here’s how:
Call or write us at the telephone number, email, or mailing address listed in this disclosure at least three business days or more before your electronic transaction is scheduled to occur. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
If you order us to stop a scheduled payment three business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There are some exceptions to our liability, for example:
If, through no fault of Tally, you do not have enough money in your account to make a transfer, we are not liable.
If the circumstance is beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions taken by Tally.
We will disclose information about your account to third parties:
If it is necessary to complete your transfer or payment instructions;
In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
In order to comply with government agency or court orders; or
If you give us written permission.
If you think there has been an error or problem:
Call us at 866-50-2559;
Send a letter to Tally Save P.O. Box 411165, San Francisco, CA 94141; or
Email us at email@example.com.
If you call us about an error, we may request that you send us a written notice. You will need to contact us within 60 days after we send you the periodic statement or other documentation containing the alleged error. When you report the alleged error, you will need to contact us with your Tally Save associated email address and provide us with the following pieces of information:
Account information: Your name and the email address you used to sign up with Tally Save
Dollar amount: The dollar amount of the suspected error
Date of the error: The date on which the error occurred
Description of problem: If you think there is an error, describe what you believe is wrong and why you believe it is a mistake.
Upon receiving your notice of the error, Tally will investigate whether or not an error has occurred and provide you with an update within ten business days. Our investigation may take up to 45 days to complete, and we will notify you if this is the case.
We will provide you with a written explanation of our findings within three business days of completing our investigation. If there was an error, we will correct the error.