Online Access Agreement and Consent
This Online Access Agreement and Consent revised and effective as of “November 1,
2009”
You must read and indicate your acceptance of the Online Access Agreement and Consent
outlined below. The Online Access Agreement and Consent are subject to change.
In this Agreement and Consent, VW Credit, Inc. (and its current and future affiliates)
is referred to as “we,” “us,” “our,” “Audi Financial Services”, and “Volkswagen
Credit”, “You” and “your” mean you, the individual(s) or entity identified on the
Account(s). “Communication” means any Account periodic invoice, or associated authorization,
agreement, disclosure, notice, or other information that would accompany your Account’s
periodic invoice but not limited to information that we are required by law to provide
to you in writing.
i) What is part of this agreement?
ii) What’s covered by this agreement?
iii) Other agreements
i) Registration and Gaining Access
ii) Terminating Registration and Access
4. Scope of communication to be provided
in electronic form
i) Description
ii) Accessing Online Statements
iii) Email address maintenance
i) Description of Services
ii) Registration
iii) Email Delivery Timing
iv) Termination
9. Limitation of Liability and Disclaimer
Warranties
i) Creation and changing a password
ii) Protecting Security
iii) Security of Data Transmission and Storage
13. Acknowledgement and Consent
The Online Service is subject to this Agreement and also to the following, which
are considered part of this Agreement:
i)What is part of this agreement?
· The terms and conditions in this Agreement;
· Terms or instructions appearing on a
screen when using the Service; VW Credit, Inc. rules, procedures and policies, as
amended from time to time, that apply to the Service, and each Eligible Account;
and
· The then-current rules and regulations
of any funds transfer system or payment system used in connection with an Eligible
Account.
ii)What’s covered by this agreement?
· The terms listed above apply to and govern
your access to and use of this website and the online services we provide, which
are described in greater detail in the Online Service.
iii)Other agreements
· In addition to this Service Agreement,
you may have a separate agreement for your Eligible Account, such as your retail
loan or lease contract. Your Eligible Account will continue to be subject to those
other agreements and, in the unlikely event of a direct conflict between this agreement
and your retail loan or lease contract, those agreements will govern the area of
conflict.
The Services covered by this Agreement include
Accessing your Account
online, provision
of communications, including
Privacy Notices, Scope of Communication,
Electronic Payments
, Alerts Services
,
and
Email Inquiries.
You must be registered through audifs.com or vwcredit.com to enroll in and receive
Online Services. In addition, some individual services may require additional enrollment.
By registering for the Online Service, you warrant that you have the right, power,
and authority to register and to receive electronic notices. Any individual named
on the retail loan or lease may register and use the Online Service. This may include
any account holder, co-applicant, co-signer, individual, jointly and/or guarantor.
Regardless of the individual who enrolls in the Online Service, the terms of this
Agreement apply to all borrowers, individually and jointly.
However, access is intended to be used by the individual who initiated online access.
We urge you not to share your user ID or password with anyone.
You agree and understand that you are solely responsible for acquiring and maintaining
a computer or other electronic device that can handle and access the Online Service
including the necessary equipment, and that you are responsible for all costs associated
with accessing the Online Services and your Eligible Account.
Features such as electronic invoicing and electronic funds transfer may require
additional enrollment.
i) Registering and Gaining Access
To obtain online access, you will need to provide VW Credit, Inc. with information
asked in the prompts during the registration process. We use this information to
authenticate you as a user with access to the retail loan or lease account.
Access is generally available 24 hours a day, seven days a week. However, your access
to the Online Service or one or more of your Eligible Accounts may be unavailable
or delayed due to maintenance or other circumstances beyond our control. During
these times, you may be able to contact our Customer Service Center between 7am
to 9 pm Central Standard Time (CST):
· Audi Financial Services:
888-237-2834
· Volkswagen Credit:
800-428-4034
Any delay of access will not affect your obligations under your retail loan or lease
contract.
ii) Terminating Registration and Access
You may choose at any time to cancel your registration for the Online Service and
access to this Site by contacting our Customer Service Center between 7am to 9 pm
CST:
· Audi Financial Services:
888-237-2834
· Volkswagen Credit:
800-428-4034
You may also send us cancellation instructions in writing to VW Credit, Inc., P.O
Box 3, Hillsboro, OR, 97124.
If you close your Eligible Account, we will suspend or terminate your access. We
will not be required to reinstate or re-activate your access.
VW Credit, Inc. may limit or suspend access at any time without prior notice at
its sole discretion. Reasons for termination or suspension may include your violation
of this Online Access Agreement and Consent; activities that indicate unauthorized
use or repeated attempts to make payments to your retail loan or lease with insufficient
funds; or your retail loan or lease contract in default or subject to the automatic
stay in bankruptcy. Similarly, VW Credit, Inc. may choose to stop offering the Online
Service completely. Any limitation or suspension of access will not affect your
obligations under your retail loan or lease contract.
VW Credit, Inc. may at its sole option also elect to discontinue access.
You agree to receive paperless communications for your retail loan or lease contract
when (1) You consent to this agreement or (2) when, at any point after enrollment,
you choose to discontinue receiving paper communications in the mail, you agree
that we may provide you with communications in electronic format, and that we may
discontinue sending paper communications to you, until you withdraw your consent.
Electronic communications and transactions may include, but are not limited to:
i) Description
We offer online statements for your Eligible Account, allowing you to supplement
or, in some cases, replace your mailed (paper) statement with an electronic version
(PDF) that you can view on the website, save to your computer, or print at your
convenience. Any legal notices or disclosures that normally accompany your mailed
statement or that we would otherwise deliver to you by mail concerning your Eligible
Account may be delivered to you electronically. Account Related Information that
is held for pick-up or posted on our website will be deemed to be delivered to you
at the time that we make it available for pick-up or send notice in accordance with
the Online Access Agreement and Consent that is posted on our website, as applicable.
The person receiving the notice is responsible for providing copies of all Account
Related Information to all joint owners, delegates, or other persons with access
to the Eligible Account. We reserve the right at all times to communicate all Account
Related Information to you through the U.S. Postal Service or overnight courier,
at our sole option.
Communications that we provide to you in electronic form will be provided (1) via
email, (2) by access to a website that we will designate in an email notice we send
to you at the time the information is available, or (3) to the extent permissible
by law, by access to a website that we will generally designate in advance for such
purpose. You agree that we may satisfy our obligation to provide you with an annual
copy of our Privacy Policy by making it available for review on our website or we
may, at our option, send it electronically:
· to your email address,
· by posting the information on our website
or to your secure mailbox, and sending you a notice to your postal address or email
address (either separately or as part of an account statement) telling you that
the information has been posted and providing instructions on how to view it,
· to the extent permitted by law, by posting
the information to our website. You agree that we may satisfy our obligation to
provide you with an annual copy of our Privacy Policy by making it available for
review on our website.
We may, at our option, offer you additional options and preferences for the delivery
of various types of communications related to your Eligible Accounts. The following
is a brief description of the various features of and requirements for using online
statements. From time to time, we may add to, modify, or delete any feature of online
statements at our sole discretion.
ii) Accessing Online Statements
Your online statement and legal notices and disclosures will be presented to you
on the website. You will need to ensure that your computer software meets the requirements
provided on the website in order to view, print, and/or save your online statement
and legal notices. Your statements are available online for up to a maximum of 90
days. The statements for Eligible Account may be only available for shorter periods.
There may be a gap in the historical statements available online for Eligible Account
if you do not enroll immediately at the time the account is first opened. For an
Eligible Account, there may be a delay of up to several weeks after enrollment before
you can begin viewing statements online.
You will continue to have the option to request historical statements, for which
fees may apply; please refer to
Online Fees for more information.
iii) Email Address Maintenance
It is your responsibility to notify us if you change your email address. Unless
otherwise prohibited by law, rule or regulation, if our email to you is returned
as undeliverable, we may discontinue sending email messages, discontinue future
online statements and switch your account statements to paper statements sent by
U.S. Postal Service until you provide us with a valid email address. Any delay of
access will not affect your obligations under your retail loan or lease contract.
You may change your email address by going to the Account Services tab on the Web
site, and clicking "Update Your Contact Information."
Regardless of the individual who enrolls in VW Credit, Inc. Online Statements, the
terms of this Online Access Agreement and Consent apply to all borrowers, individually
and jointly.
You have the option of making electronic or Automated Clearing House (“ACH”) payments
through this site.
i) One Time Payments
If you choose to make a one-time ACH payment, you will be required to provide your
bank account number and the ABA transit/routing number for your bank account. You
will also be asked to submit your authorization to make a one-time payment before
completing the transaction. For one-time payments, your submission will verify that
you are authorized to conduct the transaction, and that you agree that VW Credit,
Inc. will receive payment from your bank account in the amount entered on the date
entered.
ii) Automatic Recurring Payments
If you choose to make an automatic recurring ACH payment, you will be required to
provide your bank account number and the ABA transit/routing number for your bank
account. You will also be asked to submit your authorization to make automatic recurring
payments before completing the transaction. For automatic recurring monthly payments,
submission will verify that you are authorized to set up automatic recurring payments
from your bank account, and that you agree that VW Credit, Inc. will receive payments
from your bank account for any amounts due on your retail loan or lease. Recurring
payment amounts may vary and could include late charges, monthly payments, parking
tickets or personal property tax. You will be notified of the date the initial deduction
when you register for automatic recurring ACH payment. You will also be notified
on your monthly account statement, prior to withdrawal, if the deduction amount
is changing.
i. Description of Service
The notification service allows you to request and receive messages about your Eligible
Account. You may receive alerts through email message(s) and/or text-enabled cell
phones or pagers. Each alert will be effective after set up of the alert parameters
and delivery points using the alerts service.
ii. Registration
To receive alerts, you and your authorized representative must enroll in the alerts
service separately.
iii. Email and delivery timing
You agree that each alert might not be encrypted, and may include your name and
information pertaining to your Account. Receipt of any alert may be delayed, or
prevented by factors or entities outside of our control, such as your Internet service
or email providers. We neither guarantee the delivery or the accuracy of the contents
of any alert. VW Credit, Inc. will not be liable for losses or damages arising from
(a) non-delivery, delayed delivery, or wrong delivery of any alert; (b) inaccurate
content in an alert; (c) your use or reliance on the contents of any alert for any
purposes. We reserve the right to terminate any request from you, for any alert,
at any time. The information in any alert may be subject to certain time lags and/or
delays. You will manage the types and timing of your alerts and the alerts may be
stopped or suspended by you at any time.
iv. Termination
Either you or VW Credit, Inc. may terminate your use of the alerts service at any
time without notice.
The Online Service provides email forms for you to ask questions about your Eligible
Account or give comments on the Online Service. These email forms are accessible
after you sign on with your password to a secure session of the Online Service.
To ensure the security of your Eligible Account information, we recommend that you
use only these email forms when asking specific questions about your Eligible Account.
You cannot use email to initiate transactions on your Eligible Account. For transactions,
please call a Customer Care representative at
· Audi Financial Services:
888-237-2834 (8 a.m. to 10 p.m. Eastern)
· Volkswagen Credit:
800-428-4034 (8 a.m. to 10 p.m. Eastern)
There are no monthly or transaction fees for online access or services. If we add
fees in the future, you will receive notification from us about the amounts, terms
and conditions of such fees. You will have the choice to discontinue your enrollment
in the Service.
Fees noted in this Agreement do not affect the terms and conditions of your lease
or retail contract. Please note that fees may be assessed and billed separately
by your Internet Service Provider.
We will not be liable:
· If you, or anyone you allow, commits
any fraud or violates any law or regulation.
· If any electronic terminal, telecommunication
device or any part of the electronic fund transfers system is not working properly,
or if availability or performance of the service is limited due to scheduled system
maintenance.
· If you have not properly followed the
instructions for using our website.
· If circumstances beyond our control (such
as fire, flood, computer virus, power outage or improper transmission or handling
of payments by a third party) prevent the payment, despite reasonable precautions
taken by us.
THE SERVICES ARE PROVIDED ON AN “AS IS” AND “WHEN AVAILABLE” BASIS. TO THE FULLEST
EXTENT PERMITTED BY LAW, WE MAKE NO WARRANTIES OF ANY KIND FOR THE SERVICES, EITHER
EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE OR NON- INFRINGEMENT. WE DO NOT WARRANT THAT THE
SERVICE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT OUR SITE IS FREE OF VIRUSES
OR OTHER HARMFUL COMPONENTS.
IN NO EVENT WILL VW CREDIT, INC. BE LIABLE FOR ANY CONSEQUENTIAL INDIRECT, INCIDENTAL,
SPECIAL OR PUNITIVE DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, TORT (INCLUDING
NEGLIGENCE) OR ANY OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT,
THE SERVICE, OR YOUR USE OF, OR THE INABILITY TO USE, THE SERVICE, THESE EXCLUSIONS
APPLY TO ANY CLAIMS FOR LOST PROFITS, LOST DATA OR FILES, LOSS OF GOODWILL, COMPUTER
FAILURE OR MALFUNCTION, OR ANY OTHER DAMAGES OR LOSSES, EVEN IF WE KNEW OR SHOULD
HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES DO NOT ALLOW
THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES,
IN SUCH STATES, VW CREDIT, INC.’S LIABILITY, SHALL BE LIMITED TO THE EXTENT PERMITTED
BY LAW.
VW CREDIT, Inc. does not make any representation that any content or use of the
Service is appropriate or available for use in locations outside of the continental
United States, Alaska or Hawaii.
We will not be obligated to honor, in whole or in part, any transaction or instruction
which:
This Agreement is subject to applicable Federal Law and Laws of the State of Virginia.
Your agreement to indemnify us
Upon a request by us, you agree to defend, indemnify, and hold harmless us and our
parent and other affiliated companies, and our respective employees, contractors,
officers, directors, and agents from all liabilities, claims, and expenses, including
attorney's fees that arise from your use or misuse of the Online Service or our
site. We reserve the right, at our own expense, to assume the exclusive defense
and control of any matter otherwise subject to indemnification by you, in which
event you will cooperate with us in asserting any available defenses.
Disputes between you and VW Credit, Inc. under this Agreement that relate to your
account(s) are subject to the provisions of your lease agreement or retail loan
contract, disclosure statement, security instrument and applicable legal remedies.
In case of questions or errors concerning your invoice displayed through your online
access; you may dispute the information by calling a Customer Care representative
at:
· Audi Financial Services:
888-237-2834 (8 a.m. to 10 p.m. Eastern)
· Volkswagen Credit:
800-428-4034 (8 a.m. to 10 p.m. Eastern)
You will use a username and a password, and/or such other security and authentication
techniques as we may require from time to time, for utilizing Services and accessing
your Eligible Account. It is your responsibility to keep your password and other
access information secure and confidential. We recommend that you change your password
regularly.
We may also require additional security procedures to initiate certain transactions,
which may require special hardware, software or third-party services, and we may
offer you additional, optional security procedures, to help enhance the security
of your Eligible Account.
i. Creating and Changing Password
· Passwords can be changed within the Service
or by calling a Customer Care representative for Audi Financial Services at 888-237-2834
or Volkswagen Credit at 800-428-4034 (8 a.m. to 10 p.m. Eastern).
· Passwords must have the minimum number
and type of characters we may specify from time to time.
· For security purposes, it is recommended
that you memorize the password and do not write it down.
ii. Protecting Security
If you believe that your password may have been lost or stolen, or that someone
has viewed, downloaded, or deleted electronic records from your Eligible Account
or Online Financial Service without your permission, or if you suspect any fraudulent
activity on your Eligible Account, you agree to immediately notify Customer Service
by:
· Calling Audi Financial Services at 888-237-2834
or Volkswagen Credit at 800-428-4034 (8 a.m. to 10 p.m. Eastern)
· Writing to VW Credit Inc., P.O. Box 3,
Hillsboro, OR 97124
In the event of unauthorized use of your username and password, you may be liable
for resulting losses, to the extent permitted by law.
iii. Security of Data Transmission and Storage
Information exchanged through the Online Service is protected by advanced encryption
techniques while being transmitted, however, these security measures still require
your responsible behavior in protecting your username and password for the Service.
Email will not be encrypted prior to pick up.
You agree and understand that:
· you assume all risk that any Eligible
Account information you download may be accessed by unauthorized third parties;
· if you send the information in a manner
that is not secure, or if you remove or copy the Eligible Account information out
of our secure servers by downloading it, we will not be responsible for the security
and confidentiality of that information, and that the responsibility will be yours;
and
· any Eligible Account information that
you download is done at your own risk and you are solely responsible for any damage
that might occur to the computer, or other electronic device to which you download
any information, or any loss or corruption of data that might occur as a result
of the downloading or its storage in a computer or other electronic device.
We are committed to protecting your privacy, as described more fully in the
VW Credit,
Inc. Privacy Policy
. All information gathered from you in connection with
using the Service will be governed by the provisions of the VW Credit, Inc. Privacy
Policy. We will protect your privacy with the following methods: encryption of all
personal information transmitted between the secure portion of our website and yours;
firewalls and other technology for securing information kept on our systems; and
protecting the physical security of our systems for all information collected or
submitted on this site.
We may use automated processes to detect any use of the Online Service that violates
the terms of this Agreement or any applicable law.
We are not responsible for the security and confidentiality of the Eligible Account
information if you use wireless connections to download your account information,
in which case you acknowledge such connection may permit other persons to access
the information being downloaded.
By clicking “I Agree”, you hereby confirm that you have read or had a sufficient
opportunity to read this Agreement, accept and agree to all of its terms, and give
us your affirmative consent for us to provide Communications to you and conduct
business regarding the Eligible Account in an electronic form, as described in this
Online Access Agreement and Consent. You further agree you have provided us with
a current email address to which we may send electronic communications to you. You
will not receive paper communications unless you withdraw your consent.
You may withdraw your consent and convert to receiving paper communications via U.S.
Mail by contacting VW Credit, Inc., Customer Service at 888-237-2834 for Audi
Financial Services or 800-428-4034 for Volkswagen Credit – or send us cancellation
instructions in writing to VW Credit, Inc., P.O Box 3, Hillsboro, OR, 97124. You
understand that this change may take up to two (2) months to become effective. Any
limitation or suspension of access will not affect your obligations under your retail
loan or lease contract.
You also, understand and agree nothing in this Online Access Agreement and Consent
relieves you from your payment and other responsibilities under your retail loan
or lease contract.
© 2014 Volkswagen Credit all rights reserved.
Table of Contents
1. Agreement
2. Online Services
3. Accessing Account
4. Scope of Communications to be provided in electronic form
5. Electronic Payments
6. Alerts Services
7. Email Inquiries
8. Online Fees
9. Limitation of Liability and Disclaimer of Warranties
10. Dispute Resolution
11. Security for Accounts
12. Privacy
ACKNOWLEDGEMENT & CONSENT
Volkswagen Credit Security Information
We are committed to providing our customers with the highest level of security available. In order to ensure that the information you submit to and receive from us is protected, we require that your browser is enabled with 128-bit encryption Secure Sockets Layer (SSL) technology. Without this technology, access will be denied. SSL, which is supported by commercially accepted browser versions supplied by Microsoft, Netscape, and AOL, encrypts sensitive information such as your account number, name, address, and phone number before it travels over the Internet. We also use additional technologies and measures to prevent unauthorized access or disclosure, maintain data accuracy, and ensure appropriate use of this information.
For more information on how Volkswagen Credit protects you and your information, please read our Privacy Policy and Usage Agreement.
Should you have other questions or concerns about our security policy, please call us at 800-428-4034, Monday - Friday, 8 a.m. to 10 p.m. Eastern.
You can find out more information about how to protect yourself against Internet fraud, secure your computer, and protect your personal information by visiting OnGuard Online, a service of the Federal Trade Commission.