Terms of Use

CHANGES TO TERMS OF USE

We may revise and update this Agreement from time to time in our sole discretion, with or without notice. All changes are effective immediately. Your continued use of the Site following the posting of the revised Agreement means that you accept and agree to the changes. We recommend that you check this page from time to time to be aware of any changes, as they are binding on you.

PROCESSING SERVICES

Through the Site, you may have access to view your billing, payment and other account records and to complete electronic payments.

Through your use of the Site’s payment processing services, you understand that you are authorizing us to process payments according to your instructions, which may include, without limitation, payments from a credit or debit card or bank or financial institution account (the "Transaction Account") that you designate according to your instructions. It is your responsibility to establish and maintain sufficient funds in the Transaction Account and to pay any and all fees associated with the transaction including any fees charged by your Provider and/or your bank of financial institution for failed transactions. You authorize us to charge your Transaction Account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible.

If there are insufficient funds or available credit, your credit card company, financial institution, Bectran and/or Provider may charge you a fee, interest or decline your online payment. You are solely responsible for paying any fees or interest associated therewith, and any other fees, charges, or interest levied by your credit card company, bank or financial institution with respect to any transaction processed using the site. You are also responsible for any fees, charges or interest levied by your provider for any payments which are not timely received by your Provider for any reason.

You understand that your provider determines the amount that appears on your invoice, and that we do not have any authority to determine or otherwise modify the balance. You understand that any questions or disputes regarding the balance and/or the services provided by your provider must be resolved directly with your provider, and that we have no authority to resolve any such disputes. Any requests for refunds must be requested, approved by and processed through your provider.

We will use our best efforts to process all your payment authorizations promptly and properly. However, we shall incur no liability if we are unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

• Your account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account.
• You have not provided us with correct names or account information.
• Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper transmission of your payment authorization and we have taken reasonable precautions to avoid those circumstances.
• Fault of internet, third-party service providers’ failure, bank, credit card, merchant processor, etc.

Authorization of payment of taxes or court-directed payment through the site is prohibited.

COLLECTION OF INFORMATION

Please review our Privacy Policy posed at the Bectran.com to understand how we protect your privacy and use information you provided.

The security of any data you submit via this site is very important to us. Bectran.com uses encryption technology. Certain portions of the site will only be accessible through a password choosen by you. We will maintain the confidentiality of your password and you must not disclose your password to any unauthorized person. If your password has been compromised in any way or you believe that some other person has access to your password, you must notify us immediately and/or change your password through the site.

The information we collect from you through your use of the site is collected only for the purpose of facilitating your payments to your provider and any other site offered by your provider through Bectran. and as otherwise described in our Privacy Policy or any other supplemental terms or policy we may provide to you. We use the information you submit to identify your payment and ensure that it is properly allocated. You agree to notify us immediately upon your discovery or suspicion of unauthorized use of your account and any other breach of security.

YOU AGREE AND UNDERSTAND THAT ALL INFORMATION PROVIDED BY YOU SUBJECT TO THESE TERMS OF USE MAY BE USED TO INFORM CREDIT DETERMINATIONS AND MAY BE PROVIDED TO OUR THIRD-PARTY PARTNERS TO INFORM ANY SUCH DETERMINATIONS, INCLUDING HISTORICAL INFORMATION PREVIOUSLY PROVIDED.

YOU EXPRESSLY ACKNOWLEDGE THAT YOUR USE OF THE SITE TO REMIT PAYMENTS TO THIRD PARTIES REQUIRES THAT WE PROVIDE THE INFORMATION YOU SUBMIT TO US VIA THE SITE TO APPLICATION ADMINISTRATORS, CREDIT CARD COMPANIES AND OTHER THIRD PARTIES. THOSE THIRD PARTIES ARE RESPONSIBLE FOR THE COLLECTION AND PROTECTION OF YOUR PERSONAL DATA, NOT BECTRAN. YOU SHOULD REFER TO YOUR PROVIDER'S AND CREDIT CARD COMPANY AND/OR FINANCIAL INSTITUTION’S PRIVACY NOTICES IF YOU HAVE QUESTIONS ABOUT HOW YOUR DATA IS HANDLED.

RULES AND REGULATIONS REGARDING YOUR CONDUCT

You agree to use the site only for lawful purposes in compliance with all applicable laws. You agree NOT to use the site:

1. to fraudulently represent products or services
2. to send spam or other unsolicited or duplicative messages in violation of applicable laws;
3. to facilitate or aide any of the above activities;
4. in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries);
5. to impersonate Bectran, any of Bectran’s employees, personnel, consultants, officers, shareholders, any of Bectran’s application administrators, or licensors, any other user or any other person or entity (including, without limitation, by using the email addresses, screen name or login information associated with any of the foregoing);
6. to engage in any other conduct that restricts or inhibits anyone’s use of the site, or which, as determined by us, may harm Bectran, our application administrators, or licensors, or other users of the Site or expose any of the aforementioned to liability.

Additionally, you agree NOT to:

1. use the site in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the platform/site;
2. use any robot, spider or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the site;
3. use any manual process to monitory or copy any of the material on the site or for any other unauthorized purpose;
4. use any device, software or routine that interferes with the proper working of the site;
5. attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Site, the server(s) on which the site is stored, or any service, computer or database connected to the site; or
6. otherwise attempt to interfere with the proper working of the site, or proper provision of the site.

You may NOT store, distribute or transmit

1. obscene, threatening, libelous, or otherwise unlawful or tortious material, including material harmful to children or in violation of third party privacy or intellectual property rights; or
2. materials containing viruses or Trojan horses or tools to compromise the security of other Web sites, tools used to collect email addresses for use in sending unsolicited bulk email, or tools used to send unsolicited bulk mail. You may not post, upload or otherwise distribute copyrighted material without the consent of the copyright holder. You agree that you will comply with all policies and other instructions that we inform you about in relation to your content or your use of the Site.

MONITORING AND ENFORCEMENT; TERMINATION

We have the right to:

1. (i) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the site; and/or
2. (ii) terminate or suspend your access to all or part of the site for any or no reason, including without limitation, any violation of this Agreement.

Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the site. YOU WAIVE AND HOLD HARMLESS BECTRAN AND ITS RESPECTIVE AFFILIATES, LICENSORS, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

UNAUTHORIZED TRANSFERS

You are responsible for your account username and password. In the event that your username and/or password is lost or stolen, it is your responsibility to notify your Company Biller immediately so they can take the necessary and appropriate action. Bectran is not and shall not be responsible for any loss, financial or otherwise, as a result of any lost or stolen account username and/or password.

In using the site, you are requesting that payments be made to your provider from your designated Transaction Account. If your financial institution, or the holder of the account from which you have designated payment from is unable to process a transaction (for example, there are not sufficient funds in your account to cover the transaction), the transaction may not be completed.

FEES

There is no fee from Bectran. Inc to you for use of the Payment Portal Service as we are paid by the Company Biller (the “Biller”) whose goods or services you are purchasing using the Bectran Service.

CANCELLATION

Your access to the Bectran Service remains in effect until it is terminated by you, the Biller or us. You may terminate your access to the Bectran Service at any time by notifying the Biller of your intent to terminate in writing, through the online account portal or by calling the Biller’s Customer Service Department. This cancellation applies to your online services only and does not terminate your account with the Biller

E-SIGN CONSENT

By selecting the "Submit" button, you are signing this Agreement electronically (an “electronic signature”). You agree your electronic signature is the legal equivalent of your manual signature on this Agreement. By selecting "Submit" you consent to be legally bound by this Agreement's terms and conditions

PAYMENTS/AUTO PAY

You must select the processing date for any payment or specify a payment rule in the system that automatically selects this date for you, for each bill received. We are not responsible for any costs, expenses, or other damages you incur if your payment is not received by the Biller on or before the payment due date. You understand and agree that Bectran ’s Services are limited to the transmission of data and information and that Bectran does not deposit, debit, hold, settle, or transfer, any of your funds at any time and accordingly is not responsible or liable for any loss or claim in connection with such funds or funds settlement whether resulting from non-payment, overpayment, or duplicate payment.

OWNERSHIP RIGHTS

The site and its contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof) are owned by us, or our licensors, and the Site are protected by United States copyright laws and international treaty provisions. You acknowledge and agree that we own all rights, title, and interest in and to the site, the technology and software available on the site. You may download or print your billing and payment records from the Site solely for your own use. Any other copying, redistribution, retransmission to any other entity or publication of any viewable material is prohibited.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY ACKNOWLEDGE THAT USE OF THE SITE IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ALL CONTENT AND SERVICES THEREIN ARE PROVIDED TO YOU STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. WE DO NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE SITE AND ALL CONTENT AND SERVICES THEREIN WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE SITE AND CONTENT AND SERVICES THEREIN WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE SITE AND ALL CONTENT AND SERVICES THEREIN WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US OR OUR AUTHORIZED REPRESENTATIVES SHALL CREATE A WARRANTY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO THE ABOVE EXCLUSION AND LIMITATIONS MAY NOT APPLY TO YOU.

LIMITATION ON LIABILITY

TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR PERSONAL INJURY, OR ANY DIRECT, INCIDENTAL, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DISCLOSURE OF DATA (INCLUDING PERSONAL DATA OR INFORMATION), BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SITE AND ALL CONTENT AND SERVICES THEREIN, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU.

PRIVACY

The BECTRAN Privacy Policy is incorporated into this Agreement by reference and is accessible here.

GENERAL

Your rights and obligations under this Agreement shall not be transferred or assigned directly or indirectly without the prior written consent of Bectran. If any provision of this Agreement is found to be illegal or unenforceable, such provision will be deemed modified to conform to applicable laws or regulations, or if it cannot be so modified without materially altering the intent of the parties, it shall be stricken and the remainder of the Agreement shall continue in full force and effect. This Agreement and all matters related thereto shall be construed in accordance with the laws of the State of Illinois, except those rules relating to conflicts of laws. Any action or proceeding arising out of or related to this Agreement shall be brought only in a court located in Cook County, Illinois. Each party expressly consents to the jurisdiction of such courts. No delay or failure by either party to exercise any right, power or remedy accruing upon any breach, default or noncompliance under this Agreement shall impair any such right, power or remedy, nor shall it be construed to be a waiver of such or any subsequent breach, default or noncompliance. This Agreement is the complete and exclusive agreement between the parties with respect to the subject matter hereof, and supersedes and replaces any and all prior or contemporaneous agreements, communications, representations and understandings (both written and oral) regarding such subject matter. Except as expressly provided herein, this Agreement may only be modified by a written document executed by both all parties.

All feedback comments, requests for technical support and other communications relating the Site should be directed to: