Affiliate Agreement
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My husband and I are affiliated with the military. We allowed someone to live with us so that he could collect BAH. Which is like a housing allowance. Upon his arrival he was verbally given a few small rules to obide by and the consequences for not following the rules of the house would be loss of security deposit and termination. Well, I kicked him out tonight and I need to get information about the Hawaii State law on verbal agreements. My friend says that here they are just as legal as written agreements. Am I allowed to keep his security deposit?Resolved Question: I am trying to find as much legal information I can about verbal agreements?
Resolved Question: PayPal - Chargeback Case Recieved?Hi,I own an internet business. A customer pays at my website, I then give thier information to an Affiliate and they provide the advertised service. The cost of the service is $450.Today, I recieved an email from PayPal regarding a Chargeback Case Recieved. I faxed my supporting documentation, including a document where the Customer signed the 3rd parties agreement in (2) places. The agreement says payment is due at the time of service. It also says the payment is non-refundable once the service has been provided. The customer bought our package in January and filed a chargeback yesterday. To make matters worse, they are still reaping the benefits of the services we provided. Does anyone know how long this will take to be resolved? Also, is there anything else I should do?Thanks in advance…
CTC Media, Inc. , Russia’s leading independent television broadcaster, announced today that it has entered into a definitive agreement to acquire a majority financial interest in Channel 31 group, one of the leading broadcasters in Kazakhstan, for approximately $65 million in cash, and registered a broadcasting company in Uzbekistan.CTC Media Expands into Kazakhstan and Uzbekistan, Fast-Growing Markets with a Combined Population of Over 40 Million (PR Newswire via Yahoo! Finance)
CTC Media buying 60% of Kazakhstan’s Channel 31 for $65 mln (Interfax)MOSCOW. Sept 4 (Interfax) - CTC Media, Russia’s leading independent television broadcaster, announced today that it has entered into a definitive agreement to acquire a majority financial interest in Channel 31 group, one of the leading broadcasters in Kazakhstan, for approximately $65 million in cash, and registered a broadcasting company in Uzbekistan, CTC Media said in a press release.
I was researching on affiliate business agreements/arrangements and it says that as long as the client is informed of affiliate business agreement, then it’s legal.Resolved Question: You guys know if you can own a real estate marketing company and also do mlm without having broker’s license?
Employers having employees to sign confidentiality agreement that also consist of preventing you from being employed by a competitor or affiliate within 50 miles for up to 6 months. Is it legal for employers to limit who and where you work for? And to have you sign this document at time of employment as a required employment document?Resolved Question: Is it legal in CA for employer to prevent you from related work after ending your job by you signing a paper?
SACRAMENTO, Calif. (AP) - Newspaper publisher The McClatchy Co. said Tuesday it resolved issues pertaining to its affiliate agreement with CareerBuilder and will keep its 14.4 percent ownership of the Internet job site.(AFX UK Focus) 2007-09-04 15:55 GMT: McClatchy to keep CareerBuilder stake (Interactive Investor)
Dallas Stars affiliate proposed for Cedar ParkDallas Business Journal - 1:22 PM CDT Tuesday, September 4, 2007 After months of debate and discussion, the proposed Cedar Park Entertainment Center is getting ready to take a big step forward.
Puget Sound Business Journal - 10:20 AM PDT Tuesday, September 4, 2007 Emeritus Corp.Emeritus closes on nine N.Y. senior facilities
Four Roses to release first limited-edition bourbonBusiness First of Louisville - 2:03 PM EDT Tuesday, September 4, 2007 Four Roses Distillery will release its first limited-edition bourbon this month to celebrate master distiller Jim Rutledge’s 40 years in the …
Lucky Winner;REF NO: MELI-T/17-F044262312 TICKET NUMBER 9901-0148-790-691SERIAL NUMBER 6109-17 Batch No. 13/FFP/LDL/037 ATTENTION We hereby inform you that we have processed your payment and your cheque is ready for disbursement, along with your winnings certificate. In this regard you are to choose from the options below the one that best suites you on how you wish to receive your funds, also your funds deposited with us is not in liquid form but in Bank Cheque, this advice complies with the Anti-Fraud section 2,sub section (iv) of the procedural manual of the funds disbursement agreement existing between courier companies and the British Government. 1. Travel in person to collect your funds at our offshore financial centre in Saint Helier, Bailiwick of Jersey( British Crown Dependency). You will be required to present a valid International Passport as proof of Identification. 2. Have our affiliate courier company send the cheque to you. In consonance with our policy in this regard, be advised that if you opt for the cheque to be couriered BRITISH TOBACCO MEGA JACKPOT PROMOTION,exempts itself from all liability related to this service. The cost of this service would be borne by you; this is a prerequisite for this option. You will be referred to our affiliate courier company so that you can make enquires concerning modalities, and charges. The reason for the courier option is for the fact of double taxation, that is if you are to come over to sign for the release of your winnings personally, you would have to pay taxes on the winnings in Saint Helier, Bailiwick of Jersey and then go and pay taxes on the same winnings in your country once the funds get there. This is the main reason why we would advise that you take the courier option, you have not collected the winnings until you sign for it and the only way you can sign for it via courier is when you have taken delivery of the parcel containing the winnings cheque and certificate of winning. We expect that you will notify us of your choice upon receipt of this message so that appropriate arrangement can be put in place.Be advised that your winnings would be paid to you in installments of $150,000.00{one hundred and fifty Thousand United States Dollars}. This is done because of the amount won by you, this money would be paid to you on monthly basis for the next 10 {Ten} months .You are advised to keep your winning numbers secret to avoid unscrupulous elements from taking advantage of the situation. Once again, congratulations. Regards, Mr. ALBERT GREGORY FAX:+(44)7092875039Resolved Question: the other half of the scam?
March of Dimes gets $25,000 from Kosair CharitiesBusiness First of Louisville - 2:28 PM EDT Tuesday, September 4, 2007 The local chapter of March of Dimes has received a $25,000 grant from Kosair Charities to fund research, education and advocacy to prevent …
Resolved Question: What political party am I ?I am for the Afghan war, but against the Iraq WarI am a hawk when we are provoked, but a dove otherwiseI am against high taxation, but I was also against the recent tax cutsI am pro choice, but would not support my wife having an abortionI am against affirmative action but would support assistance based upon economic meansI am for tightening up immigration lawsI think national debt is one of our biggest problems we face and am for a balanced budget amendmentI sympathize with hunters, but am against hand guns and assault weapons.I think our recent trade agreements are garbage, but I am not an isolationistI think we should dump the electoral collegeI think we should make lobbying illegalI am for the death penaltyI am not an independent (in my state being an independent just means i cant vote in the primary)What party am I affiliated with?
Food & Drink Weekly - Ahold has announced that it has entered into an agreement to sell its U.S. retail subsidiaries BI-LO and Bruno’s to an affiliate of private investmentDecember 27, 2004 — Ahold has announced that it has entered into an agreement to sell its U.S. retail subsidiaries BI-LO and Bruno’s to an affiliate of private investment …
Silicon Valley / San Jose Business Journal - 9:57 AM PDT Tuesday, September 4, 2007 Acacia Research Corp.Oracle, Acacia resolve patent dispute
Fitch Affirms Solo Cup Company’s IDR at ‘B-’; Outlook Negative (Business Wire via Yahoo! Finance)NEW YORK—-Fitch Ratings has affirmed the ratings for Solo Cup Company as follows: Issuer default rating ‘B-’; Senior secured first lien term loan ‘B+/RR2′; Senior secured revolving credit facility ‘B+/RR2′; Senior subordinated notes ‘CCC/RR6′.
Kevin Taylor opening newest restaurantThe Denver Business Journal - 12:46 PM MDT Tuesday, September 4, 2007 Restaurateur Kevin Taylor will open his seventh restaurant and his second at the Denver Performing Arts Complex.
Food & Drink Weekly - Grocery retailer and wholesaler Fresh Brands has announced that it has signed a definitive merger agreement to be acquired by an affiliate of the Chicago-basedDecember 12, 2005 — Grocery retailer and wholesaler Fresh Brands has announced that it has signed a definitive merger agreement to be acquired by an affiliate of the Chicago-based …
Resolved Question: This NASCAR & AT&T court battle is getting ridiculous, why can’t NASCAR just let it be?NASCAR filed a $100 million counter claim against AT&T Inc. on Sunday, accusing the wireless provider of interfering with its exclusive sponsorship agreement with rival wireless company Nextel.NASCAR filed the suit electronically in U.S. district court in Atlanta, alleging breach of contract, fraud and misrepresentation, and conspiracy to aid and abet wrongful interference with Nextel.The two sides have been battling all season over NASCAR’s refusal to allow AT&T to put its logos on Jeff Burton’s car. Burton and his Richard Childress Racing team have a sponsorship agreement with Cingular, which has since been purchased by AT&T.NASCAR would not allow the logos to be changed, citing its agreement with Nextel. Cingular and Alltel were grandfathered into the sport when Nextel entered in 2004, but no changes are permitted to their deals and no other companies are allowed into the sport.AT&T sued, and U.S. District Judge Marvin Shoob in Atlanta issued a preliminary injunction last month that allowed the Cingular logos to be replaced. He also barred NASCAR and any entity affiliated with it from interfering with AT&T’s rights as primary sponsor of the car in the Nextel Cup series.Sources:http://www.nascar.com/2007/news/headlines/cup/06/17/nascar.sues.att.ap/index.html
East Bay Business Times - 10:26 AM PDT Tuesday, September 4, 2007 Advanced Cell Technology completed a private placement announced Aug.Advanced Cell wraps up private placement
I am currently working for a company but have an offer to work for a competitor. There was a clause in the agreement I signed:”Non-Competition.” The Employee shall not, without the prior written consent of AHGS, at any time during the term of this Agreement and following the date of termination or expiration of this Agreement for the period of six (6) months, either individually or in a partnership or jointly or in conjunction with any person as principal, agent, consultant employee, shareholder or in any other manner concerned whatsoever, carry on or be engaged in or advise or provide any consulting services for *** or its Affiliates including ***, in British Columbia. Notwithstanding the prohibition on investments contained in this paragraph, passive investments by the Employee shall be permitted.”Does this mean I cannot be employed by the other company?I am not in a “higher up” position.Resolved Question: Employment Agreement?
I have bad credit… or none, i cant get approved for anything else and dont understand all the red tape! HELP! does anyone have this card? THE ORCHARD BANK CREDIT CARD200 min security deposit35 dollar annual feeVariable Rate Information Your APRs may vary. The rates are determined monthly by adding the Index (described below) and: 6.65% (”Spread”) for the Customary APR for credit card purchases. 16.90% (”Spread”) for the Cash APR for cash advances, including balance transfers, if applicable, and cash advances made by credit card check. 22.24% (”Spread”) for the Default APR. For each billing cycle, the Index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the highest (U.S.) “Prime Rate” published in the Money Rates Table of The Wall Street Journal is selected (the “Index”). If the Index has changed, the new variable rates will take effect with the billing cycle that ends on or after the first day of the month following the Index change. Grace Period for Repayment of Balances for Purchases You have 25 days from the date of the periodic statement to avoid a Finance Charge on new credit card purchases, provided you paid your previous balance in full. Method of Computing Balance for Purchases Average Daily Balance (including new purchases). Annual Fee $35 per year Minimum Finance Charge $1.00 for each billing cycle in which a Periodic Finance Charge is payable. Foreign Transaction Fee Finance Charge 1% of the U.S. dollar amount will apply to transactions made in a foreign currency. Cash Advance Fee:$5 or 5% on all cash advances, whichever is greater; unless otherwise disclosed. Finance Charges accrue from the date of transaction. Cash advances will be limited. Your cash advance limit is disclosed on your billing statement. Late Payment Fee: The Late Payment Fee will vary based on the amount of your outstanding balance on your Payment Due Date, and will be: $30 if your balance is more than $0 up to and including $1000; or $35 if your balance is greater than $1000. Overlimit Fee: $30. Accessing the full amount or most of your available credit may result in an overlimit fee. Credit Limit Increase (CLI) Fee: If requested and approved, a CLI fee of up to $50% of the CLI may be charged to your Account, depending on your creditworthiness. Closed Account Service Fee: $3.50 per month on closed accounts with a debit balance.The variable Customary APR will apply to credit card purchases. The variable Cash APR will apply to cash advances, including balance transfers, if available, and cash advances made by credit card check. If at any time your Account is subject to the Customary and/or Cash APRs, and you fail to make at least your Minimum Payment in time to be credited to your Account by the Payment Due Date, or your Account exceeds your credit limit, your entire Account balance will increase to the Default APR. Note: The Orchard Bank Secured MasterCard requires a minimum deposit of $200 for a minimum $200 line of credit. For more information on the Orchard Bank Secured MasterCard, see our Secured Card FAQs. At our discretion, payments are generally applied to interest, fees, and then principal balances. We apply your payments to lower APR balances before higher APR balances. The application of payments is subject to change at any time, without notice. IMPORTANT INFORMATION There is a maximum of two (2) Accounts issued by HSBC Bank Nevada, N.A. per customer.If within 90 days of your Account open date, you decide you do not want the account, you can call the customer service number provided on the back of your card to cancel. Any fees, if assessed, will be reversed at no cost to you if you have not used the card.IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNTTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.Notice to California Residents:Except otherwise limited by applicable law, we may provide credit information about your account to our affiliates from time to time. This information may be used to qualify you for other credit offers. Married persons may apply for a separate account.Notice to New York Residents:Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies which have provided us with such reports.Notice to Ohio Residents:The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.Notice to Married Wisconsin Residents:No agreement, court order, or individual statement applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order, or statement, or has actual knowledge of the adverse provision. You must indicate your marital status for this application to be processed.INTEREST RATES AND FINANCE CHARGESInterest RatesThe APRs on your Account are variable rates and are determined by adding a specified amount (”Spread”) to an Index (described below). The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The Daily Periodic Rate is used to determine the amount of Periodic Finance Charges (see Finance Charges). Monthly Index For each billing cycle, the Index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the highest (U.S.) “Prime Rate” published in the Money Rates table of The Wall Street Journal is selected (the “Index”). If the Index has changed, the new variable rates will take effect with the billing cycle that ends on or after the first day of the month following the Index change. An increase in the Index will increase your applicable Daily Periodic Rates which may increase the Finance Charge due on your Account and may increase the Minimum Payment and Current Payment Due. Each time any APR changes, we will apply it to any existing balances, excluding any fixed rate Promotional or Introductory APR.Purchase APR Your variable Customary APR applies to credit card purchases. The Daily Periodic Rate is based on 1/365th of the Index plus 6.65% (”Spread”). For example, for billing cycles ending 5/17/07, the rate of FINANCE CHARGE would have been a Daily Periodic Rate of .04082% (corresponding 14.90% ANNUAL PERCENTAGE RATE). The minimum rate of FINANCE CHARGE is a Daily Periodic Rate of .04082% (corresponding 14.90% ANNUAL PERCENTAGE RATE).Cash APR Your variable Cash APR applies to cash advances, including balance transfers, if available, and cash advances made by credit card check. The Daily Periodic Rate is based on 1/365th of the Index plus 16.90% (”Spread”). For example, for billing cycles ending 5/17/07, the rate of FINANCE CHARGE would have been a Daily Periodic Rate of .06890% (corresponding 25.15% ANNUAL PERCENTAGE RATE). The minimum rate of FINANCE CHARGE is a Daily Periodic Rate of .05726% (corresponding 20.90% ANNUAL PERCENTAGE RATE). If at any time your Account is subject to the Customary and/or Cash APRs, and you fail to make at least your Minimum Payment in time to be credited to your Account by the Payment Due Date, or your Account exceeds your credit limit, your entire Account balance will increase to the variable Default APR. At our discretion, your Account may return to the Customary APR after five consecutive months of on-time payments of at least the Current Payment Due, without exceeding your credit limit. Default APR The Daily Periodic Rate for the variable Default APR is based on 1/365th of the Index plus 22.24% (”Spread”). For example, for billing cycles ending 5/17/07, the rate of FINANCE CHARGE would have been a Daily Periodic Rate of .08353% (corresponding 30.49% ANNUAL PERCENTAGE RATE). The minimum rate of FINANCE CHARGE is a Daily Periodic Rate of .08079% (corresponding 29.49% ANNUAL PERCENTAGE RATE). Finance ChargesFinance Charges are the total of the greater of (a) Minimum Finance Charge, or (b) periodic Finance Charges, and any applicable (c) Cash Advance Fee Finance Charges, (d) Foreign Transaction Fee Finance Charge, (e) Credit Limit Increase Fee Finance Charge, (f) Closed Account Service Fee Finance Charges, and (g) Processing Fee Finance Charge. (a) Minimum Finance Charge. A Finance Charge that is assessed in lieu of a lesser periodic Finance Charge in any billing cycle in which a periodic Finance Charge is payable. This fee is $1.00. (b) Periodic Finance Charges. Periodic Finance Charges are computed by multiplying the Average Daily Balance for each category of transactions shown on your statement (e.g., purchases, balance transfers, cash advances) by the applicable Daily Periodic Rate and then multiplying the result by the number of days in the billing cycle. To calculate the Daily Balances, we take the beginning debit balance for each category of transactions each day, add any new transactions, any previous day’s periodic Finance Charges, any assessed fees and charges, and subtract any payments and/or credits. If a debit transaction posts after the beginning of your billing cycle, but the transaction occurred prior to the beginning of your billing cycle, the applicable Daily Balance will be adjusted to include the transaction amount and any previous day’s periodic Finance Charges for each day the transaction amount was outstanding prior to the beginning of the current billing cycle. Then, for each transaction category, we add the Daily Balances for the billing cycle together and divide the total by the number of days in the billing cycle. This is the Average Daily Balance for each transaction category. (1) Credit Card Purchases. Periodic Finance Charges begin to accrue on the date of the transaction and continue to accrue until payment in full is credited to your Account. However, there is a 25 day Grace Period on new credit card purchases. That means, if the New Balance shown on your last statement is paid in full by the Payment Due Date for that statement, periodic Finance Charges will not be imposed on new credit card purchases, provided the New Balance for the current billing cycle is paid in full by the Payment Due Date for that billing cycle. If, however, the New Balance is not paid in full by the Payment Due Date for the immediately preceding billing cycle, periodic Finance Charges will be incurred on new credit card purchases (i.e., purchases appearing for the first time in the current cycle) from the date of the transaction and on the previously billed but unpaid credit card purchases form the first day of the current cycle. (2) Cash Advances (including balance transfer and credit card checks). Periodic Finance Charges begin to accrue on the date of the transaction and continue to accrue until payment in full is credited to your Account. There is no Grace Period on cash advances. Periodic Finance Charges will be calculated using the Daily Periodic Rate in effect on the statement closing date. (c) Cash Advance Fee Finance Charges. Cash advances include all advances to get cash over the counter, through an ATM, balance transfers (if available), credit card checks, or other “cash-like” transactions (such as purchasing a money order, traveler’s check, casino or betting chip, or a lottery ticket) as determined by us. A Finance Charge will be computed on the amount of each cash advance as of the date of the transaction. The Cash Advance Fee FINANCE CHARGE for all cash advances is 5%, subject to a minimum FINANCE CHARGE of $5, unless otherwise disclosed. (d) Foreign Transaction Fee Finance Charge. A Foreign Transaction Fee FINANCE CHARGE equal to 1% of the U.S. dollar amount is assessed on transactions made in a foreign currency, as of the transaction date. (e) Credit Limit Increase Fee Finance Charge. If you request and are approved for a credit limit increase (”CLI”), a CLI Fee FINANCE CHARGE of up to 50% of the CLI may be assessed to your Account, depending on your creditworthiness. (f) Closed Account Service Fee Finance Charge. A $3.50 per month FINANCE CHARGE is assessed to the Account for each billing cycle whenever that Account is closed with a debit balance. The application of any Finance Charge other than a periodic Finance Charge may cause the APR on the billing statement on which this Finance Charge first appears to exceed the Nominal APR.ACCOUNT FEESAnnual Fee/Periodic Membership FeeYour Account is subject to a $35 Annual Fee for each year your Account is open or closed with a balance. If you close your Account within the first 90 days your Account is open, the Annual Fee is refundable so long as you have not used the Account.Late Payment FeeA Late Payment Fee is assessed for each billing cycle in which at least the Minimum Payment, and any amount past due, is not paid in time to be credited to the Account by the Payment Due Date. The Late Payment Fee will vary based on the amount of your outstanding balance on your Payment Due Date, or during the period up to 5 days after your Payment Due Date, as determined by us, and will be: $30 if your balance is more than $0 up to and including $1000; or $35 if your balance is greater than $1000.Overlimit FeeAn Overlimit Fee is assessed if your Account balance exceeds the applicable credit limit at any time during a billing cycle. We may impose this fee even if we authorize or impose any charges that cause your balance to exceed the credit limit. This fee is $30.Other Fees and ChargesReturned Payment FeeA Returned Payment Fee is assessed to your Account each time a payment check, automatic payment deduction, or other payment method is not honored or is returned unsatisfied by the bank or other financial institution. Any payment returned unsatisfied for any reason may be reposted to any type of transaction (i.e. cash advance, purchases, etc.) and Finance Charges may be reinstated back to the payment date at the APR being charged for that transaction. This fee is $30.Returned Check FeeA Returned Check Fee is assessed to the Account each time a credit card check, balance transfer check (if available), electronic check or other Account access device is returned unsatisfied by us for any reason. This fee is $30.Check by PhoneA Check by Phone Fee may be assessed to the Account each time a payment is made by telephone, even if the payment is made by someone other than you. The amount of this fee will be disclosed at the time such payment is requested.Stop Payment FeeA Stop Payment Fee is added to the cash advance balance when a payment of a credit card check is stopped at your request. Payment may be stopped on a credit card check by notifying us in writing or by calling us at the telephone number listed on the Account billing statement, so long as such check has not already been processed. A stop payment request must include the check number, payee, amount and date of the credit card check on which payment is to be stopped. If a stop payment is requested by telephone, the call must be confirmed in writing within 14 days. A written stop payment will remain in effect for six months unless renewed in writing. This fee is $29. Send stop payment requests to P.O. Box 81622, Salinas, CA 93912-1622.Research FeeA $7 Research Fee is assessed to the Account for each sales slip copy, $3 for each statement copy, and $10 for each application copy upon request.ADDITIONAL TERMSArbitrationThe Cardmember Agreement and Disclosure Statement (”Agreement”) that you will receive with your card, if you are approved for credit, provides that certain disputes are subject to binding arbitration. Arbitration replaces the right to go to court, including the right to a jury and the right to participate in a class action or similar proceeding. Please read the “Arbitration” section of the Agreement carefully.YOUR BILLING RIGHTSWhat To Do If There’s An Error In Your BillYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USEThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILLIf you think your bill is wrong, or if you need more information about a transaction on your bill, write to us (on a separate sheet) at the address listed on your billing statement. Write us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.Please include the following information in your letter:Your name, account number and signature; The dollar amount of the suspected error; and Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur.YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE:We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including Finance Charges, and we can apply any unpaid amount against your Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to any questioned amount. If we didn’t make a mistake, you may have to pay Finance Charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date it is due.If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you, and you write to us within ten days telling us you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. Upon settlement of the dispute, we must tell everyone we report you to that the matter has been settled.If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.SPECIAL RULES FOR CREDIT CARD PURCHASESIf you have a problem with the quality of property or services you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services.There are two limitations on this right: (a) You must have made the purchase in your home state or if not, within 100 miles of your current mailing address. (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. HSBC Card Services Inc. and/or HSBC Card Services (II) Inc. provide processing services for HSBC Bank Nevada, N.A. You may write to us at the address shown on your billing statement or HSBC Bank Nevada, N.A., 1111 Town Center Drive, Las Vegas, Nevada 89144.Orchard Bank, Household MasterCard and HSBC credit cards are issued by HSBC Bank Nevada, N.A. in Las Vegas, Nevada and serviced by its affiliates HSBC Card Services Inc. and/or HSBC Card Services (II) Inc. Not available to those consumers residing outside the United States. Offer void for all existing Household Bank and Orchard Bank MasterCard Cardmembers. Important InformationTo receive, view, and save disclosures and Account Information electronically, you must have a personal computer equipped with Netscape 4.0, Microsoft Explorer 4.0 or AOL 5.0 or later, and either a printer, a hard drive, or other storage device. You must also have a valid email address. As paperless communication options become available, our cardholders will be able to choose which communications to receive electronically, and which to receive via standard mail. We will notify you in advance of sending such electronic disclosures and Account Information. You must notify us if your email address changes in order to continue receiving disclosures and Account Information electronically. You may withdraw your consent to receive disclosures and Account Information electronically at any time. However, if you withdraw your consent, future disclosures and Account Information will be sent via U.S. mail. You have the option to request any information that we have provided electronically in paper form. To notify us of your new email address, withdraw your consent, or to request a disclosure or Account Information in paper form, please contact us by calling the phone number on the back of your credit card or write us at Bankcard Services, P.O. Box 80084, Salinas, CA 93912-0084. Electronic Agreement:I agree to receive disclosures and other Account Information electronically. I confirm that I have the software and computer equipment that satisfies the requirement above and that I will download or print the disclosures and other card related communications for my records. Additionally, by clicking the YES button, I acknowledge that I am providing my consent to receive electronic communications Terms and ConditionsAnnual Percentage Rate (APR) for Purchases Variable Customary APR: 14.90%1 will apply.Minimum Customary APR: 14.90% Other APR’s Variable Cash APR: 25.15%2 (Minimum Cash APR: 20.90%)Variable Default APR: 30.49% (Minimum Default APR: 29.49%) Variable Rate Information Your APRs may vary. The rates are determinedResolved Question: Is this credit card a good choice for me…?
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