Electronic Fund Transfer Rights and Error Resolution Policy

1. Consumer Liability. You can inspect your transaction history at any time by logging in to your account on the KliknPay website and "View Recent Payments" under the "Reports" tab. All questions about transactions made with your Access ID must be directed to us (Klik Technologies Corp), and not to the bank or other financial institution where you have your account. We are responsible for the KliknPay service and for resolving any errors in transactions made with your Access ID.

We will not send you a periodic statement listing transactions that you make using your Access ID and KliknPay. The transactions will appear only on the statement issued by your bank or other financial institution. If you have any questions about one of these transactions, contact us via e-mail or US mail at the e-mail address and mailing address indicated below.

It is very important that you tell us AT ONCE if you believe your Access ID has been lost or stolen. E-Mail is the best way of keeping your possible losses down. Under applicable regulations, the extent of your liability for an unauthorized transaction is largely determined by your promptness in notifying us if someone has gained access to your password, or if a transfer in your account statement received from your financial institution or the on-line transaction history is incorrect or unauthorized. Notifying us quickly limits your liability:

• If you tell us within 2 business days, you can lose no more than $50 if someone used your Access ID without your permission. (If you believe your Access ID has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Access ID without your permission.).
  
  
• If you do NOT tell us within 2 business days after you learn of the loss or theft of your Access ID, and we can prove we could have stopped someone from using your Access ID without your permission if you had told us, you could lose as much as $500.
  
  
• Also, if you do not tell us within 60 days after you receive notice, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
  
  If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

• Where it is necessary for completing transfers, or
• In order to comply with government agency or court orders, or
• If you give us your written permission.

• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, in order to stop any of these payments, you must log onto your account, select "Recurring Payment" from the user menu, and click on "Stop" button. This will stop all future recurring payments, unless rescheduled by you. To stop a non-recurring payment, you must notify us by notifying us via E-Mail to us at: customercare@klik.com or by mail to Klik Technologies Corp., P.O. Box 10128, Newark, NJ 07102-3128, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. You may deactivate your account by contacting us at customercare@klik.com.
  
• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments as provided above, and we do not do so, we will be liable for your losses or damages.

• Tell us your name and account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
  
  If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
  
  We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
  
  For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
  
  We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

• If, through no fault of ours, you do not have enough available funds in your account to make the transfer.
  
• If the system was not working properly and you knew about the breakdown when you started the transfer.
  
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  
• There may be other exceptions stated in our agreement with you.

Copyright © 2010 Klik Technologies Corp. All rights reserved.