Welcome to the Olsson Frank Weeda Terman Matz PC (OFW LAW) web site (the "Web Site") and to OFW LAW Online ACH Services. OFW LAW is willing to provide the OFW LAW Online Automated Clearing House (ACH) Services (the "Online ACH Services") to you only upon your agreement that your access and use of the Online ACH Services will be subject to the following Terms of Services ("TOS"). These TOS are an agreement between OFW LAW ("OFW LAW") and users of the Online ACH Services ("you"). These terms may be revised without notice and become effective upon posting on this site and your use of the Web Site. These terms were last revised on June 25, 2021.
These Terms of Service cover only Online ACH Services described herein with regard to Online ACH Services and not the entirety of the attorney-client relationship between you and OFW LAW. The attorney-client relationship is governed by the signed engagement agreement between you and OFW LAW entered at the beginning of our representation of you, as modified by any subsequent written agreement. Payment of funds to OFW LAW does not automatically retain the services of OFW LAW. New clients must complete all steps required by OFW LAW to establish an attorney-client relationship, including but not limited to the establishment of a written engagement agreement signed by you.
At the end of this agreement is the Consent Form for Consumers to Receive Electronic Disclosures.
Please read this entire document because it contains important information.
1. DEFINITIONS
The following defined terms are used in these Terms and Conditions:
"Payee" means the merchant or other entity to which you authorize a bill payment to be directed.
“Payee Account” means the billing account with the merchant or other entity to which you authorize a bill payment to be directed.
"Payment Instruction" means your instruction and authorization to OFW LAW to make a bill payment to a Payee.
"Payment Account" means the bank account that you authorize us to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.
"Payment Card" means the credit card or debit card that you instruct us to charge to pay your bill payment.
"Business Day" means Monday through Friday, excluding Federal Reserve holidays.
"Scheduled Payment Date" means the Business Day of your choice upon which we will attempt to complete your bill payment and initiate the appropriate debit to your Payment Account or Payment Card.
2. DESCRIPTION OF ONLINE ACH SERVICES
A. GENERAL SITE USAGE
The Online ACH Services provide users with access to various on-line resources, including applications that allow you to view your bill. Unless explicitly stated otherwise, any new features that augment or enhance the current Online ACH Services, including the release of new Online ACH Services, shall be subject to these TOS. Upon your acceptance of these TOS by clicking on the "I Accept" button below, OFW LAW grants you a personal, nonexclusive, nontransferable, license to access and use the Online ACH Services, subject to these TOS, solely for your internal purposes. The forgoing license includes the specific rights to use the available applications and functionalities of the Online ACH Services and to print information from the Online ACH Services. OFW LAW does, however, reserve the rights to, without notice: (a) modify, suspend or terminate operation of or access to the Online ACH Services at any time for any reason; (b) modify or change the Online ACH Services or its applicable operating policies at any time; and (c) interrupt the Online ACH Services as necessary to perform routine and non-routine maintenance, error corrections, or other changes. OFW LAW also reserves the right to modify these TOS at any time, in which case you will be provided notice that the TOS have been changed. Your continued use of the Online ACH Services after your notification of the changed TOS constitutes your agreement to the changed TOS.
B. BILL PAYMENT SERVICE
When you initiate a Payment Instruction, you authorize OFW LAW to charge your Payment Card or debit your Payment Account and remit funds to OFW LAW on your behalf so that the funds arrive as close to the Business Day designated by you as is reasonably possible. While it is anticipated that most transactions will be processed on the day you choose, it is understood that due to circumstances beyond the control of OFW LAW, some transactions may take a day or so longer to be credited to your Account.
If we are unable to obtain funds for a bill payment for any reason associated with your Payment Card or Payment Account (for example, there is not a sufficient balance available on your Payment Card or in your Payment Account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your Payment Instruction, OFW LAW may attempt to contact you, using the telephone number you have provided.
If OFW LAW makes a bill payment to your Account but is unable to obtain funds for that payment from your Payment Card or Payment Account, you agree that your bill payment will be reversed.
You further agree that by accepting these terms of service, you also authorize our Customer Service Representatives to receive and process single and/or recurring payments Instructions from you over the telephone.
3. OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS
OFW LAW will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, OFW LAW shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:
4. USER NAMES AND PASSWORDS
During the registration process for the Online ACH Services, a User Name and Password (collectively, "Authentication Materials") will be established for your use in accessing the Online ACH Services. The Authentication Materials are intended for your use only. You agree: (a) not to disclose such Authentication Materials to any third party, (b) to take reasonable care to protect such Authentication Materials from inadvertent disclosure to third parties, and (c) to immediately notify OFW LAW of any loss or unauthorized use of such Authentication Materials. You agree that you will be responsible all actions taken using your Authentication Materials.
5. YOUR REPRESENTATIONS.
You hereby represent to OFW LAW and agree that:
a. any and all information that you provide to the us through the Online ACH Services or Web Site will be accurate and complete;
b. you will not use the Online ACH Services to access information about any account unless you have authority to do so by the person or company whose account you are accessing;
c. you will not provide any information to us through the Web Site or Online ACH Services, including account information, unless you have the authority to provide such information to us;
d. you will not use the Web Site or the Online ACH Services for any illegal or improper purposes;
e. you will not use:
i. use any robot, spider, other automatic device to monitor or copy portions of the Web Site or Online ACH Services or the content contained therein without OFW LAW’s prior written permission, or
ii. any device, software or routine to interfere or attempt to interfere with the proper working of the Web Site or Online ACH Services;
f. you will not download, reproduce, duplicate, copy or otherwise exploit any portion of the Web Site or Online ACH Services for the purpose of sale, resale, or making other commercial use thereof, and
g. OFW LAW may send you electronic correspondence describing changes to the Online ACH Services and these TOS.
6. RELIANCE ON THE INFORMATION FROM THE ONLINE ACH SERVICES
While we exercise reasonable efforts to ensure the accuracy of information on our Web Site and accessible through the Online ACH Services, you acknowledge and agree that your use of the Web Site or Online ACH Services, and your reliance upon any data or information accessed using the Web Site or Online ACH Services, is at your own risk. You agree to make and rely on your own independent investigation of the completeness, accuracy and suitability of any information, data, or analytical product available on the Web Site or Online ACH Services before reliance thereon.
7. WARRANTY DISCLAIMERS
YOU ACKNOWLEDGE AND AGREE THAT THE ONLINE ACH SERVICES AND THE OFW LAW WEB SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND THAT USE OF THE ONLINE ACH SERVICES OR THE WEB SITE IS AT YOUR SOLE RISK. OFW LAW MAKES NO WARRANTY WHATSOEVER ABOUT THE ONLINE ACH SERVICES, ITS WEB SITE, THE OPERATION OR AVAILABILITY OF EITHER, THE ACCURACY OF INFORMATION PROVIDED ON OR THROUGH THE ONLINE ACH SERVICES OR WEB SITE, OR THE SECURITY OF THE ONLINE ACH SERVICES OR WEB SITE. MOREOVER, OFW LAW EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND REGARDING THE WEB SITE AND THE ONLINE ACH SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. OFW LAW MAKES NO WARRANTY THAT (A) THE WEB SITE OR ONLINE ACH SERVICES WILL MEET YOUR REQUIREMENTS, (B) ACCESS TO THE WEB SITE OR ONLINE ACH SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) TRANSMISSION OF DATA TO AND FROM THE WEB SITE OR ONLINE ACH SERVICES WILL BE TIMELY OR ERROR-FREE, OR (D) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE OR ONLINE ACH SERVICES WILL BE ACCURATE OR RELIABLE. YOU AGREE THAT NEITHER OFW LAW NOR ITS AFFILIATES ENDORSE OR ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION, OPINION, ADVICE, OR STATEMENT ON THE ONLINE ACH SERVICES OR THIS WEB SITE.
8. LIMITATIONS OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT OFW LAW SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF OFW LAW HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (a) THE USE OR THE INABILITY TO USE THE WEB SITE OR ONLINE ACH SERVICES; (b) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND ONLINE ACH SERVICES RESULTING FROM ANY DATA, INFORMATION, OR ONLINE ACH SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE WEB SITE OR ONLINE ACH SERVICES; (c) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEB SITE OR ONLINE ACH SERVICES; OR (e) ANY OTHER MATTER RELATING TO THE WEB SITE OR ONLINE ACH SERVICES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTION MAY NOT APPLY TO YOU.
In the absence of any of the exclusions set forth above, it shall be OFW LAW responsibility to correct any transactions not completed in accordance with your Payment Instructions. In the event that OFW LAW is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall OFW LAW liability to you ever exceed the amount of funds that we receive from your Payment Account or Payment Card for a bill payment. THE FOREGOING SHALL CONSTITUTE OFW LAW’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL OFW LAW BE LIABLE FOR ANY OTHER LOSS, INJURY, OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF YOUR USE OF THE BILL PAYMENT SERVICE. EXCEPT AS OTHERWISE EXPLICITLY SET FORTH HEREIN, WE SPECIFICALLY DISCLAIM AND YOU UNDERSTAND THAT WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESSED OR IMPLIED, AND THE SAME ARE HEREBY EXCLUDED FROM THESE TERMS AND CONDITIONS AND ALL TRANSACTIONS CONTEMPLATED HEREBY.
9. INDEMNITY
You agree to indemnify, defend and hold OFW LAW, and its subsidiaries, affiliates, officers, members, agents or other partners, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of information you submit, post to or transmit through the Online ACH Services, your use of the Online ACH Services, your connection to the Online ACH Services, your violation of these TOS, or your violation of any rights of another.
10. SUBMISSIONS
Comments, suggestions and questions about the Web Site or Online ACH Services are welcomed. OFW LAW does not, however, desire that you send, post or upload any information that is confidential or proprietary to you or to any other person or company. By submitting comments, messages, suggestions, ideas, concepts or other information (collectively, "Materials") to OFW LAW, you thereby (a) represent and warrant that such information is not confidential or proprietary to your or to any other person and (b) grant OFW LAW and its affiliates an irrevocable, perpetual, royalty-free, non-exclusive, unrestricted, worldwide license to: use, copy, publish, transmit, perform and display the Materials for any purpose; create derivative works from such Materials; and implement and use the Materials and any suggestions, concepts or ideas contained therein without compensation to you. Furthermore, you agree that OFW LAW is not responsible for the confidentiality of the Materials that you send through the Web Site or the Online ACH Services.
11. LINKS
As a service to you and for your convenience, the Web Site and Online ACH Services may include many links to web site operated by third parties. By providing links to third party web sites, OFW LAW is not endorsing or sponsoring such third parties or their web sites. You agree that OFW LAW is not responsible for the availability of or content on any web sites operated by third parties that may be accessible through the Online ACH Services or linked to this Web Site.
12. TRADEMARKS, COPYRIGHTS & RESTRICTIONS
All materials available through the Web Site or Online ACH Services, including, but not limited to, text, images, illustrations, audio clips, video clips, and other data, are protected by copyrights which are owned or licensed by OFW LAW. Except for the limited license granted above, you may not reproduce, perform, create derivative works from, republish, transmit, or distribute in any way whatsoever any materials from the Web Site or Online ACH Services, or any other web site owned or operated by OFW LAW, without the prior written permission of OFW LAW.
13. MODIFICATION AND TERMINATION
OFW LAW reserves the right at any time to modify or discontinue, temporarily or permanently, the Web Site or Online ACH Services (or any part thereof) with or without notice. You agree that OFW LAW shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Web Site or Online ACH Services. You agree that OFW LAW, in its sole discretion, may terminate your password, account (or any part thereof) or use of the Online ACH Services, and remove and discard any content within the Online ACH Services, for any reason, including, without limitation, for lack of use or if OFW LAW believes that you have violated or acted inconsistently with the letter or spirit of these TOS. You agree that any termination of your access to the Online ACH Services under any provision of this TOS may be effected without prior notice, and acknowledge and agree that OFW LAW may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Online ACH Services. Further, you agree that OFW LAW shall not be liable to you or any third party for any termination of your access to the Online ACH Services.
14. GOVERNING LAW/ARBITRATION
Use of the Web Site or Online ACH Services and these TOS shall be governed by and construed in accordance with the laws of the District of Columbia, without regard to the choice of law provisions thereof. Any dispute or claim relating to or arising out of or in connection with use of the Web Site, Online ACH Services or these TOS shall be finally settled by binding arbitration in Washington, D.C. using the then current rules and procedures of the American Arbitration Association by one (1) arbitrator appointed by the American Arbitration Association. The arbitrator shall apply the law of the District of Columbia, without reference to rules of conflict of law or statutory rules of arbitration, to the merits of any dispute or claim. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. The parties agree that, any provision of applicable law notwithstanding, they will not request, and the arbitrator shall have no authority to award punitive or exemplary damages against any party.
15. COMPLETE AGREEMENT/SEVERABILITY/NO THIRD PARTY BENEFICIARIES
These TOS and any agreements governing use of specific portions of the Online ACH Services constitute the entire understanding between you and OFW LAW with respect to the Online ACH Services and your use thereof, superseding all prior written and oral communications and understandings. If any provision or portion of these TOS is not given legal effect by a court of competent jurisdiction, such provision or portion shall drop out of the TOS and the remaining provisions and portions of the TOS shall be construed and enforced. These TOS shall not be interpreted or construed to confer any rights or remedies upon any third parties.
16. CONSENT FORM FOR CONSUMERS TO RECEIVE ELECTRONIC DISCLOSURES. Important information can be furnished to you electronically. You have the option to receive your account disclosures, electronic payment disclosures, including single payment or recurring payment authorization, payment program disclosures and, if applicable, Privacy Policy disclosures, and any amendment or other disclosures related thereto (collectively “Communications”) electronically rather than on paper. So that we may facilitate this request, you agree that we shall electronically provide to you disclosures and information related to your account. You must have the ability to print or download the information. By consenting to receive information electronically, you will not have the ability to receive the information in paper form, except as noted below. Please read the following important information about online Communications before you decide:
a. Disclosures available electronically. By submitting this consent form, you may receive one or more of the following disclosures electronically:
i. Account agreements, schedule of service charges and fees, fee notices including late or returned fees, account disclosures
ii. Electronic payment disclosures, including single payment or recurring payment authorization and, if applicable, payment program disclosures
iii. Consumer Information Privacy Principles
iv. Other information related to your account
b. The above disclosures shall collectively be referred to as “Communications” that we may send to you electronically. All Communications in electronic format from us to you will be considered “in Writing.” You should print or download, for your records, a copy of this Disclosure and any other Communication that is important to you.
c. WITHDRAWAL OF CONSENT. You may withdraw this consent at any time after submission by sending us an e-mail at billingdept@ofwlaw.com or calling us at 202-518-6332. If you withdraw your consent to obtain electronic disclosures then paper copies of the Communications will be provided to you.
d. UPDATING ELECTRONIC INFORMATION. To update your electronic address you may contact us at 202-518-6332 or send us an e-mail at billingdept@ofwlaw.com. You agree to promptly notify us, when you change your email or other electronic address. It is your responsibility to provide us with a true, accurate and complete email address, contact information and any other information needed to contact you electronically. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications.
e. SYSTEM REQUIREMENTS. To receive the requested disclosures electronically, you will need:
i. Connection to the Internet and an active email address along with a computer and an operating system capable of supporting the items listed in 2 and 3.
1. Microsoft Internet Explorer 8 or higher
2. Safari 5 or higher
3. Chrome 23 or higher
4. Firefox 17 or higher
ii. Access to a printer or the ability to download information (which will require sufficient hard-drive space) in order to keep copies for your records. You will also need a current or recent version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader). If we change hardware or software requirements, we will post the current hardware and software requirements on www.ofwlaw.com.
f. If you consent to Communications being provided to you electronically, but still desire a copy of the Communications to be provided to you in a paper form please send your request via e-mail to billingdept@ofwlaw.com or contact us at 202-518-6332. We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to your electronically.
By providing your consent at the end of this agreement, you give your affirmative consent to OFW LAW to provide electronic Communications to you, as described in this form. You further affirm and confirm that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have provided, or will provide to us a current valid email account, to which, we may send you electronic Communications. By obtaining electronic delivery of Communications, you confirm that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates identified with your OFW LAW accounts.