www.yourcardaccount.com allows you to register with www.yourcardaccount.com to view your individual information via the Internet. As used herein the terms 'www.yourcardaccount.com,' 'us,' 'we,' or 'our' means Systems & Services Technologies, Inc. ('SST'). SST services credit card accounts on behalf of credit card issuers. This Agreement contains the terms and conditions for using www.yourcardaccount.com and the rights of the card issuer, its affiliates and SST to contact you regarding your credit card account. Your cardholder agreement sets forth the terms and conditions of your credit card account. This Agreement does not modify any right, obligations, term or condition included in your cardholder agreement.

The following terms and conditions ("Terms and Conditions") govern your use of the World Wide Web Site located at www.yourcardaccount.com (this "website") By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.

These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Terms and Conditions since their last visit. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was made.

This website has been prepared solely for the purpose of providing information about SST, and the products and services offered by the company and its operating subsidiaries and affiliates. Without limiting the generality of anything else, SST makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and it shall not be responsible for any errors or omissions in the website. SST reserves the right to add, modify or delete any information on this website at any time, with or without notice.

Your use of www.yourcardaccount.com or allowing another to use www.yourcardaccount.com shall mean that you agree to these terms and conditions. Your 'User ID' is a unique identifier relating to www.yourcardaccount.com that you select. If you are a www.yourcardaccount.com customer, you create your 'User ID' of 6-20 characters upon your initial access to www.yourcardaccount.com. Once your User ID is used for the first time for www.yourcardaccount.com, it becomes permanently assigned to you. You agree that the form of this Agreement constitutes a writing under applicable law. You agree that access to www.yourcardaccount.com is conditioned upon your acceptance of this Agreement and that each visit to www.yourcardaccount.com shall be deemed a ratification of the Agreement

You are responsible for obtaining, installing, maintaining and operating all equipment necessary for you to access the Service, in accordance with such requirements as may be (i) provided by the equipment manufacturers and (ii) any other documentation provided to you by www.yourcardaccount.com in connection with your accounts and services. You agree that you will utilize a reputable antivirus software program on your equipment and that you will update such software periodically in accordance with a commercially reasonable schedule.

By utilizing an encrypted browser, you may access www.yourcardaccount.com. You are responsible for obtaining a browser capable of a sufficiently high level of encryption to meet the systems requirements established by www.yourcardaccount.com from time to time. If www.yourcardaccount.com makes browser software available to you, you may use such browser or any other browser of your choice to access www.yourcardaccount.com via the Internet so long as it meets www.yourcardaccount.com encryption standards. You acknowledge that www.yourcardaccount.com is not responsible for notifying you of any upgrades, fixes or enhancements to, or for providing technical or other support for any browser or for any compromise of data transmitted across computer networks or telecommunications facilities, including but not limited to, the Internet. Although www.yourcardaccount.com may make browser software available to you or facilitate a link to a third party site where you may download such browser software, www.yourcardaccount.com makes no endorsement of any specific browser software. Your use of any browser may also be subject to the license agreements of the browser manufacturer, in addition to the terms and conditions of this Agreement You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are certain security, corruption, transmission error and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks (to the extent the law allows you to do so). You acknowledge that you have requested the service for your convenience, have made your own independent assessment of the adequacy of the Internet as a delivery mechanism for accessing information and initiating instructions and that you are satisfied with that assessment.

www.yourcardaccount.com may at its option change the password parameters without prior notice to you, and if it does so, you will be required to change your password the next time you enter www.yourcardaccount.com. You agree that you will not give your Password or make it available to any other person. You are responsible for all financial transactions performed using your password via www.yourcardaccount.com to the fullest extent allowed by law.

You may use www.yourcardaccount.com for your own personal purposes only, in connection with obtaining certain statements, reports, and services from SST. You agree not to transfer, sublicense, rent, assign, share, copy, translate, convert to another programming language, decompile, disassemble, modify, or change the www.yourcardaccount.com web site or any information contained therein for any purpose. You agree to hold in trust for SST and not disclose to any other party or allow any other party to inspect, copy, or use the www.yourcardaccount.com web site and any information contained in, related to, transmitted to or from, or derived from www.yourcardaccount.com.

Your ability to access www.yourcardaccount.com may be limited during periods of high volume, systems upgrades and maintenance, or for other reasons. SST will not be liable to you if you are unable to access www.yourcardaccount.com or complete transactions through it.

You agree that by using www.yourcardaccount.com with a browser, all notices or other communications which we may be required to give you arising from our obligations under this Agreement or www.yourcardaccount.com services may be sent to you electronically to any electronic mailbox provided to you by www.yourcardaccount.com, or at www.yourcardaccount.com 's option, another electronic mail address you provide to us or in any other manner permitted by law.

We may, from time to time, introduce new features to www.yourcardaccount.com or modify or delete existing features. We shall notify you of any of these changes to features if we are legally required to do so. By using any new or modified features when they become available, you agree to be bound by the rules concerning these features.

THIS WEBSITE, THE WEBSITE MATERIALS ON AND IN AND MADE AVAILABLE THROUGH THIS WEBSITE, AND THE SERVICES, INFORMATION, AND PRODUCTS OFFERED BY SST AND ITS OPERATING SUBSIDIARIES AND AFFILIATES (THE SST COMPANY) IN CONNECTION THEREWITH ARE MADE AVAILABLE “AS IS” AND “WITH ALL FAULTS”. USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK. EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, WE AND OUR INFORMATION PROVIDERS SHALL NOT BE RESPONSIBLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXTRA-CONTRACTUAL OR CONSEQUENTIAL DAMAGES INCLUDING WITHOUT LIMITATION, LOST PROFITS OR REVENUES, ARISING IN ANY WAY OUT OF YOUR USE, NON-USE ACCESS TO OR INABILITY TO USE OR RELIANCE UPON, THE EQUIPMENT, BROWSER AND/OR THE INSTALLATION THEREOF, THE WWW.YOURCARDACCOUNT.COM SERVICES PROVIDED HEREUNDER, THE DATA PROVIDED THEREBY (INCLUDING BUT NOT LIMITED TO MISTAKES, OMISSIONS, INTERRUPTIONS OR DELETIONS OF FILES, ERRORS OR DEFECTS IN THE DATA), FAILURE, OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE OR SOFTWARE, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES, YOUR TELEPHONE SERVICE OR ANY OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND SST'S CONTROL WHETHER OR NOT ANY PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF THE REMEDIES OTHERWISE AVAILABLE FAIL OF THEIR ESSENTIAL PURPOSE. IF YOU ARE DISSATISFIED WITH ANY DATA, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE DATA. SST AND ITS INFORMATION PROVIDERS ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER, SOFTWARE, MODEM, TELEPHONE OR OTHER PROPERTY RESULTING FROM YOUR USE OF WWW.YOURCARDACCOUNT.COM. EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, IN NO EVENT SHALL SST OR ITS INFORMATION PROVIDER'S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION ' WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE ' EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING WWW.YOURCARDACCOUNT.COM. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

WWW.YOURCARDACCOUNT.COM, THE DATA AND ANY SOFTWARE, BROWSER AND RELATED DOCUMENTATION (COLLECTIVELY, THE 'SERVICE COMPONENTS') ARE PROVIDED 'AS IS.' WE AND OUR INFORMATION PROVIDERS DO NOT MAKE ANY WARRANTIES CONCERNING THE EQUIPMENT, THEIR SERVICE COMPONENTS OR ANY PART THEREOF, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR WARRANTIES AS TO ANY RESULTS TO BE OBTAINED BY THE USER FROM THE USE OF THE SYSTEM OR DATA. NEITHER SST NOR ITS INFORMATION PROVIDERS GUARANTEE THE SEQUENCE, TIMELINESS, ACCURACY, OR COMPLETENESS OF THE DATA, NOR DO THEY GUARANTEE THAT ANY DEFECTS WILL BE CORRECTED OR THAT THE WEB SITE OR THE SERVICES THAT MAKE IT AVAILABLE ARE FREE FROM VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS SST MAY DISCONTINUE GENERATING THE DATA WITHOUT PRIOR NOTICE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, OTHER SITES THAT MAY BE LISTED OR LINKED IN THIS WEBSITE ARE NOT UNDER THE CONTROL OF SST. ACCORDINGLY, SST CAN MAKE NO REPRESENTATION CONCERNING THE CONTENT OF THESE SITES TO YOU, NOR CAN THE FACT THAT SST HAS GIVEN YOU THIS LISTING SERVE AS AN ENDORSEMENT BY SST OF ANY OF THESE SITES. SST IS PROVIDING LINKS TO THESE SITES AS A CONVENIENCE TO YOU. SST HAS NOT TESTED ANY SOFTWARE THAT MAY BE FOUND ON THESE SITES AND THEREFORE CANNOT MAKE ANY REPRESENTATIONS REGARDING THE QUALITY, SAFETY OR SUITABILITY OF ANY SOFTWARE FOUND THERE. THERE ARE INHERENT DANGERS IN THE USE OF ANY SOFTWARE ON THE INTERNET. SST IS NOT RESPONSIBLE FOR ANY CONTENT, INFORMATION, PRODUCTS, SERVICES, OR SOFTWARE OFFERED BY ANY OTHER PARTY OR AT ANY OTHER WEB SITE.

In addition to this Agreement, you agree to be bound by and comply with such other written requirements as we may furnish to you in connection with either this service or products which may be accessed via this service.

www.yourcardaccount.com reserves the right to terminate or suspend this Agreement and the services covered hereby, in whole or in part, at any time for any reason without prior notice, including but not limited to your failure to access www.yourcardaccount.com for a period of three (3) months or greater. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this Agreement for all purposes.

The terms of this Agreement and other documentation and requirements associated with www.yourcardaccount.com may be altered or amended by us. In such event, we shall either post such changes to our website, or if we are required to do so by applicable law, send an electronic notice to your Internet address or such other address as may appear on www.yourcardaccount.com records. Your use of www.yourcardaccount.com after we have provided such notice of change will be considered your agreement to the change.

In the event of a dispute regarding www.yourcardaccount.com, you and we agree to resolve this dispute by looking to this Agreement. If there is a conflict between what one of our employees says and the terms of this Agreement, the terms of this Agreement shall control. SST's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as waiver of any provision or right. Neither the course of conduct between parties nor trade practice shall act to modify any provision of this Agreement.

www.yourcardaccount.com may assign this Agreement to its parent corporation or to any now-existing or future direct or indirect subsidiary of its parent corporation. www.yourcardaccount.com may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

www.yourcardaccount.com's records, kept in the regular course of business, shall be presumed to accurately reflect the contents of your instructions to www.yourcardaccount.com and, in the absence of manifest error, will be binding and conclusive.

Any User ID or Password provided to you by www.yourcardaccount.com is provided to you in your capacity as a representative of the business entity registered with www.yourcardaccount.com only, and may not be retained by you after any termination of your relationship with such business entity. You agree to inform www.yourcardaccount.com immediately if a person with access to a Password leaves the employ of the entity to which that Password has been assigned.

The provisions of this Section 14 shall apply only to any disputes or claims arising out of your use of this website or your use of the www.yourcardaccount.com services, and are not intended to amend or supersede any and all prior and contemporaneous written and oral representations, understandings and other agreements express and implied you may have with SST which may specify contrary terms with respect to those accounts and services. THIS AGREEMENT SHALL FOR ALL PURPOSES BE GOVERNED, INTERPRETED, CONSTRUED AND ENFORCED SOLELY AND EXCLUSIVELY BY THE LAWS OF THE STATE OF PENNSYLVANIA (WITHOUT REFERENCE TO THE CONFLICT OF LAW RULES THEREOF. IN ADDITION, ANY DISPUTE ARISING FROM OR RELATED TO YOUR USE OF THIS WEBSITE OR SERVICES PROVIDED TO YOU BY SST SHALL BE GOVERNED BY ANY FEDERAL LAWS AND/OR REGULATIONS APPLICABLE TO THE SERVICES PROVIDED BY SST. YOU HEREBY CONSENT TO THE JURSIDICITON AND VENUE OF THE STATE (AND, WHERE THERE IS SUBJECT MATTER JURISDICTION, FEDERAL) COURTS LOCATED WITHIN THE STATE OF PENNSYLVANIA, WHICH SHALL CONSITUTE THE SOLE AND EXCLUSIVE FORUM FOR THE RESOLUTION OF ANY AND ALL CLAIMS OR DISPUTES UNDER THIS AGREEMENT, AND YOU HEREBY IRREVOCABLY WAIVE ANY OBJECTIONS THERETO, INCLUDING GROUNDS OF FORUM NON CONVENIENS AND AGREE TO ACCEPT SERVICE OF PROCESS BY PERSONAL DELIVERY OR MAIL. YOU UNDERSTAND AND AGREE THAT SECTION 15 OF THIS AGREEMENT ONLY APPLIES TO POTENTIAL DISPUTES AND CLAIMS ARISING FROM THE USE OF WWW.YOURCARDACCOUNT.COM. THIS AGREEMENT DOES NOT MODIFY THE RIGHTS AND OBLIGATIONS BETWEEN YOU AND YOUR CREDIT CARD ISSUER AND ANY SUCCESSOR OR ASSIGNEE AS SET FORTH IN YOUR CARDHOLDER AGREEMENT, SPECIFICALLY INCLUDING ANY ARBITRATION AGREEMENT CONTAINED WITHIN YOUR CARDHOLDER AGREEMENT.

Website text, graphics, design, selection and arrangement copyright © 2023 SST. All rights reserved. SST also owns a copyright in the website as a collective work and/or compilation. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission SST is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to SST or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.

SST welcomes your feedback and suggestions about how to improve our products, information, and services and this website . By providing any suggestions, information, data, material, or other content (collectively, "Submissions") to SST you automatically grant SST the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) throughout the universe and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Further, SST is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to SST for any purpose whatever, including, but not limited to, creating and marketing products, information, or services using such information.

This website is controlled and operated by SST from its offices within the United States. Without limiting anything else, SST makes no representation that the works, content, materials, services, information, or products available on, in or through the website are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. Those who choose to access this website from other locations do so on their own violation and are responsible for compliance with applicable laws. The waiver or failure of SST to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of other rights established under these Terms and Conditions. Headings used in these Terms and Conditions, including, without limitation, the Privacy Notice, are for reference only and shall not affect the interpretation of these Terms and Conditions (or the Privacy Notice). The waiver of such right in the future or a waiver of any of the other rights established under these Terms and Conditions, SST reserves the right to terminate your access to this website in the event that you violate these Terms and Conditions or for any reason whatever or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.

SST has a Privacy Notice setting out SST’s online information gathering and dissemination practices with respect to the Website. The Privacy Notice is incorporated into these Terms and Conditions by reference, as if set forth fully herein.

You agree that the issuer of your credit card and all of its related corporate entities, assigns, successors, agents, servicers, debt collectors and independent contractors, including SST, may monitor and record telephone calls regarding your account to assure the quality of service or for other reasons.

You agree that the issuer of your credit card and all of its related corporate entities, assigns, successors, agents, servicers, debt collectors and independent contractors, including SST, may call you, using an automatic telephone dialing system or otherwise, leave you a voice, prerecorded, or artificial voice message, or send you a text, e-mail, or other electronic message for any purpose related to the servicing and collection of your accounts, for surveys or research or for any other informational purpose (each a “Communication”). You agree that we may send a Communication to any telephone numbers, including cellular telephone numbers, or email addresses you provide to the issuer of your credit card and all of its related corporate entities, assigns, successors, agents, servicers, debt collectors and independent contractors, including SST, in connection with your account. You also agree that a Communication may include your personal information

You agree that the issuer of your credit card and all of its related corporate entities, assigns, successors, agents, servicers, debt collectors and independent contractors, including SST, will not charge you for a Communication, but your service provider may. In addition, you understand and agree that the issuer of your credit card and all of its related corporate entities, assigns, successors, agents, servicers, debt collectors and independent contractors, including SST, may always communicate with you in any manner permissible by law that does not require your prior consent.

You further agree that if you no longer own a cellular telephone number or if you change a residential telephone number to a cellular telephone number, you will notify the issuer of your credit card and SST or the current servicer of your account immediately.

Privacy Notice

This Privacy Notice sets forth the information gathering, use, and dissemination practices of Systems & Services Technologies, Inc. (“SST”) in connection with the World Wide Web site located at www.yourcardaccount.com (its "website"). This Privacy Notice addresses SST’s practices regarding information collected only directly through or from its website - it does not address or govern any information gathering, use, or dissemination practices related to information collected other than directly through or from its website, including, without limitation, from or via telephone, facsimile, postal mail, personal delivery, or other or additional offline means or media.

SST collects, uses, and stores information on the domain you use to access its website, the Internet address of the site from which you linked directly to its website, and the date and time of your visit to its website. This information may be used to measure the number of visitors to the various pages on the SST website, to help make improvements to the information contained on the site, and to better serve site visitors through special marketing and service programs, among others. SST also collects, uses, and stores the e-mail addresses of users that communicate with SST via e-mail, information knowingly provided by website users, and information regarding which website pages users access.

Personal information contained in correspondence sent by individuals may be used by SST to answer questions, follow-up on suggestions or complaints, process requests or transactions, or improve the level of service SST provides.

SST may share personally identifiable information obtained on its website with any company or marketing group internal to SST or its subsidiaries. Except as provided below, SST does not share any personally identifiable information obtained on its website with or sell information obtained on this website to any company or marketing group external to SST and its subsidiaries. SST may, however, share aggregate information with other persons or entities for purposes determined by SST to be appropriate.

SST may disclose identifiable information (i) to another entity with which SST enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or (iii) to a third party if determined by SST in its sole judgment that such disclosure is appropriate to protect the life, health, or property of SST or any other person or entity. (The foregoing is not intended to obviate or displace any legal obligations or duties applicable to SST.)

Except as necessary for SST to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraph, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to SST through or from its website, prospectively retained by SST, used by SST for secondary purposes, or disclosed by SST to third parties, by contacting SST via postal mail at the address set out below.

While SST may undertake efforts to see that another party to which SST shares personal information is under a contractual obligation to use the personal information solely for the purposes for which the information was disclosed by SST, SST exercises no control over such parties and SST is not responsible for their conduct, actions, omissions, or information handling or dissemination practices.

E-mail posted or sent through this website may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, we will not respond to e-mail requests concerning accounts placed for collection. Therefore, if you are communicating with SST regarding a debt that has been placed for collection with SST, all correspondence regarding that account should be sent by U.S. Postal Service. Be sure to include your name, your mailing address, the SST account number, creditor name, and creditor account number so that we may process your inquiry and respond promptly. Without complete information, we will be unable to respond to your request. The address for mailing inquiries is:

Systems & Services Technologies, Inc.
4315 Pickett Rd
St. Joseph, MO 64503

SST has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information. Additionally to further safeguard this information, our employees are asked to agree to SST’s Standards of Conduct and Work Rules as well as Confidentiality Agreements, and are subject to disciplinary action up to and including termination of employment if they fail to follow signed agreements.

SST may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Notice since their last visit. Any change to this Privacy Notice shall be effective as to any website user who has visited the website before the change was made.

We will collect the IP Address for internal security and other proprietary purposes. We will do so even if you have included a Do Not Track request. We do not release this data outside of our corporate environment nor utilize this data other than for internal purposes.

Important Information Concerning Your Account: