terms & conditions

Gift Card Terms & Conditions
The following information applies to you once you become a customer who has a gift card issued by Credit Union.

The following are your HAPO Visa Gift Card Terms and Conditions. In these Terms and Conditions "you" or "your" means the person who has received the HAPO Visa Gift Card; "we", "us" or "our" means HAPO Credit Union; "Card" means the HAPO Visa Gift Card. Please read the following carefully and keep them for your records. Upon receipt, the Gift Card should be signed immediately. By accepting and using your Card, you are agreeing to these Terms and Conditions.

Gift Card Usage
Your HAPO Visa Gift Card is issued by HAPO Credit Union and may be used for purchases at most merchants where Visa Debit is accepted. The card may not be used at some merchants including airlines, recurring payments, and non-financial money exchange establishments, hotels, gambling establishments, rental car agencies or "pay at the pump" gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift card, it may be declined.

Before using your HAPO Visa Gift Card, you must activate it by calling the number on the sticker on your card from your home phone number or by registering the card on the Gift Card Website, which can be accessed at this web location.You must sign the back before you can use the Card.

This Gift Card is not a credit card. However, the card is presented to merchants like a credit card, in which you choose "credit" instead of "debit" and you will sign for the purchase. You may only use it when there is a balance remaining on the card and only up to the amount left on the card. Purchases will be deducted from your HAPO Visa Gift Card until the value reaches zero. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.

The HAPO Gift Card is non-reloadable and cannot be reused. There will be a $2.50 monthly maintenance fee for each month there is a balance remaining on the card. * This fee is waived for the first six (6) months after the card activation date. There is a replacement fee if lost or stolen in the amount of $8.95.

If you use your gift card for a transaction in a foreign currency the transaction will be converted to U.S. dollars in accordance with applicable Visa operating regulations for international transactions. The conversion rate in dollars will be a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable Central Processing Date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable Central Processing Date in each instance, plus or minus any adjustment determined by the issuer.

Security Statement
Security is a priority at HAPO Community Credit Union. We are committed to protecting the security and confidentiality of your information. We use state-of- the-art technology to help ensure that your online sessions with our servers are secure.

In addition service providers that act on our behalf agree in writing to provide the same level of security that our systems do.

Your information is encrypted during the transfer between your browser and our site. This technology, called Secure Socket Layers (SSL), protects information you submit or receive through our online banking site. Your browser must support SSL encryption to use our site. Newer versions of all the popular browsers are capable (e.g., Internet Explorer 6, Mozilla Firefox, Netscape Navigator 8). Encrypted sites are designated by beginning with https: instead of just http:).

HAPO uses firewalls to help limit entry by anyone without proper authorization. A firewall is a security mechanism that regulates the data going in and out of a network. It is a specialized program which acts as a filter against unauthorized connections.