eCS Terms and Conditions
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. WE WILL NOTIFY YOU OF AMENDMENTS TO THESE TERMS AND CONDITIONS BY POSTING THEM TO THE WEBSITE. IF YOU DO NOT AGREE WITH THESE TERM AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

To print the agreement, press the "control" and "p" keys when using a Windows operating system; the "apple" and "p" keys when using a Macintosh operating system; or the "alt" and "p" keys when using a UNIX operating system.

The services provided on this Shinhan Bank America Credit Card website (the "Service") are provided so their cardholders can access account information online. Cardholders and any other persons accessing the Service are subject to these terms and conditions for use of the site and the Service.

Conflicts with Other Agreements
This Agreement between you and Shinhan Bank America governs the use of the Service only. Other programs and services provided by Shinhan Bank America are governed by separate agreements, or "terms and conditions," with you, and this Agreement does not affect those relationships. The Service allows you access to certain services through the use of an internet access service provider through a private network connection or through the World Wide Web.

Access to the Service
To use the Service you will need an Internet-ready computer equipped with Microsoft® Internet Explorer (version 6.0 or higher for both Windows® and Macintosh® operating systems). Your browser must also support 128-bit encryption and be JavaScriptTM enabled. You will be able to access your account information on the Service Web site only if you have signed up for the Service. To ensure successful sign in with the Service, all the information you provide to us must be accurate, complete, and current. By submitting the Sign In information, you are authorizing us to verify any of the information you provide. Verification of your identity may be achieved through the use of third-party services.

Account Information
Shinhan Bank America determines what information you will be able to access through the Service. Unless you elect to receive your statement online, the account information on the Service is not intended to replace the regular statement you receive by mail or other means. In that case, you must refer to your full credit card statement for complete account information, including important Shinhan Bank America Credit Card

Information about your rights and obligations. The Service is not responsible for the accuracy of your statement information or any other issues relating to your account. Any discrepancies or disputes regarding the accuracy of your account summary or detail must be addressed directly with Shinhan Bank America. Copies of previously delivered paper statements must be requested from Shinhan Bank America.

Payment
You are responsible for ensuring timely payment of all bills and for the method used to make your payments. Any payment service you access through links from this site is separate from this site and subject to the terms and conditions provided on that site. The Service is not responsible for problems or issues related to your payments.

Errors and Problem Resolution Procedures
If you think there has been an error in an Electronic Funds Transfer, contact us as soon as possible. You can call your local Shinhan Bank America branch or Customer Service at the telephone number on the back of your Card. To assist you, our representative will need to know:

- Your name and Card number
- The dollar amount of the suspected error
- The type, time and date of the transaction
- Why you believe there was an error

We will investigate every problem, and we will resolve each problem as quickly as possible. As soon as you contact us, we will start our investigation.

Security
Although we use stringent security measures and take all reasonable steps to protect your account and other personal information, the Internet is a public network, and we cannot guarantee that any information transmitted or transactions conducted via the Internet are absolutely secure or that a third party will not be able to access or intercept such payment information.

We do not tolerate fraud, and reserve the right to take all reasonable measures to detect and prevent it. For security purposes, we may view, monitor, and record activity on this Web site without notice or permission from you. Any information obtained by monitoring, viewing, or recording may be subject to review by law-enforcement organizations in connection with investigation or prosecution of possible criminal activity on the site. We will also comply with all court orders involving requests for such Shinhan Bank America Credit Card information. Actual or attempted fraud or other unauthorized use of the web site and/or Service may result in criminal and/or civil prosecution and immediate termination of your right to use the Service.

Your Conduct
While accessing the Service web site or otherwise using the Service, you agree not to:

  1. Tamper with, hack, modify or otherwise corrupt the security, content or functionality of the Service;
  2. Restrict or inhibit any other User from using and enjoying the site or the Service;
  3. Post or transmit any information or software that contains a virus, worm, Trojan horse, or other harmful or disruptive component;
  4. Engage in any illegal activity using or in connection with the Service or the site;
  5. Copy, remove or alter any content, intellectual property or copyright, trademark or other proprietary notice or legend displayed on the site or printed pages from the site.

We reserve the right either to refuse to post, or to remove any information or materials, in whole or in part, that do not comply with these terms. We also reserve the right, in our sole discretion, to prohibit from using the site and/or Service any user who violates these terms. Such prohibition may occur without notice to the user.

Linked Sites
This Web site may contain links to other Web sites operated by third parties ("Linked Sites"). Accessing any Linked Site is at your own risk. We are not a party to any agreements you enter with Linked Sites, and are not responsible for the services offered by such sites.

Liability Limitations
We will not be liable for any loss resulting from a cause over which we do not have direct control, including but not limited to failure of electronic or mechanical equipment or communication lines, power outages, telephone or other interconnect problems, computer viruses, "hacking," unauthorized access, theft, operator errors, delays in the banking system, severe weather, earthquakes, natural disasters, strikes or other labor problems, acts of terrorism, wars, or governmental restrictions. In addition, we will not be responsible for any problems, costs or consequences of:

  1. Our inability to confirm your identity
  2. Your inability to access the information on the site
  3. Inaccuracies or errors in the information or material on the site
  4. Termination or suspension of your participation in the Service for security purposes
  5. Your failure to provide us with correct, current and complete information Shinhan Bank America Credit Card

Cancellation
This agreement will remain in effect until you or Shinhan Bank America terminates it. You understand that you may cancel this Agreement at any time by notifying Shinhan Bank America electronically or by calling Customer Service at the telephone number on the back of your Card. This will also cancel any Shinhan Bank America Credit Card services you obtain from other information providers but will not terminate your accounts with Shinhan Bank America or Other Shinhan Bank America Affiliates.

Severability
In the event any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.

Governing Law
This Agreement shall be governed by the laws of the state of New York and by federal law.

Disclaimers
THE SERVICE (AND ALL OTHER RELATED SERVICES) IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY OR CONTENT OF INFORMATION, PRODUCTS, SERVICES, OR RESULTS; AND
THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND
NONINFRINGEMENT.

We reserve the right to change and/or discontinue our currently provided services at any time, for any reason, to the extent permitted by applicable law. We will try to notify you in advance, but we do not have to do so.