This Agreement contains important information and guidelines for
using the Maryland State Disbursement Unit Internet Payment Website (MD Child
Support IPWS). By authorizing an Electronic Funds Transfer to be made for child
support, or by accessing the MD Child Support IPWS, You indicate your
acknowledgment and acceptance of these Terms and Conditions.
NOTICE REGARDING MANDATORY WAGE WITHHOLDING
An Internet payment arrangement cannot replace federally mandated wage
withholding. If You are a non-custodial parent and your order requires
wage withholding, the Child Support agency may take withholding action or any
other collection action without further notice to You, even though You are
making or have made Internet payments. If You are currently under an income
withholding order, making Internet payments will not result in the cancellation
of your income withholding order.
This statement of Terms and Conditions is called the "Agreement"
and contains the rules and responsibilities of all participants in the MD Child
Support IPWS.
I. DEFINITIONS
In this Agreement, capitalized terms shall have the meaning set forth in
this section:
"Automated Clearing House (ACH) Network" is the funds transfer
system, governed by the National Automated Clearing House Association (NACHA)
Operating Rules that provides for the interbank clearing of electronic entries
for participating financial institutions.
"Bank Account" means the checking or savings account from which
all Internet Electronic Funds Transfer payments will be made. Your Bank Account
must be held at a financial institution within the United States. You must
be an authorized signer on the Bank Account in order to authorize a bank draft
against the Bank Account.
"Business Day" means Monday through
Friday, excluding state, federal, and Federal Reserve holidays.
"Case Number" uniquely identifies a case
belonging to a participant to the child support system.
"Convenience Fee" is a fee to offset the cost of providing a Credit
Card service. The Convenience Fee for using this service is 2.5% of the amount
of the primary child support payment. Visa Signature Debit Card has a flat fee
of $3.95. This fee is separate from and in addition to the primary child
support payment.
"Credit Card" means the card issued by a financial institution
or retail merchant that allows the holder to obtain cash and/ or purchase goods
or services on credit.
"Electronic Funds Transfer (EFT)" is the mechanism for moving
money electronically from one financial institution to another.
"Initiated" means the creation of an Internet web payment by
entering Payment Instructions and scheduling a payment with the MD Child
Support IPWS.
"Internet Payment Web Site Account" refers to the Electronic
Funds Transfer account that You have registered with the MD SDU IPWS.
"MD Child Support IPWS" means the MD Child Support Internet
Payment Web Site used for processing child support payments via the Internet.
"Non-Business Days" are Saturday, Sunday, and state, federal,
and Federal Reserve holidays.
"Password" is the unique sequence of
alpha/ numeric characters You have designated to secure access to your Electronic
Funds Transfer Internet Payment Web Site Account. It is important to remember
and protect your Password.
"Payment Delivery Date" is the date You select for Electronic
Funds Transfer payments to be drafted from your Bank Account and credited to
your child support account. If the Payment Delivery Date falls on a
Non-Business Day the funds will be withdrawn the next Business Day.
"Payment Instructions" means the information provided by You
for identification of a web payment to be made to a child support case(s) (such
as, but not limited to, non-custodial parent's name, non-custodial parent's
social security number, non-custodial parent's case number, payment amount, and
payment date).
"Posted Date" is the Business Day the payment is applied to
your child support account.
"Processing Period" is the period of time from two (2)
Business Days prior to the Payment Delivery Date and continuing up to the
Posted Date.
"Regulation E" is the regulation promulgated by the Federal
Reserve Board of Governors in order to ensure consumers of a minimum level of
protection in disputes arising from Electronic Funds Transfers.
"Scheduled Payments" are any Internet payments that You have
Initiated but which are not within the Processing Period.
"User ID" is the unique sequence of alpha-numeric characters
You have chosen at the time of Electronic Funds Transfer service registration
to identify yourself to MD Child Support IPWS.
"We," "Us," and "Our(s)"
refer to the Maryland Child Support Services, Maryland State Disbursement Unit,
the MD Child Support IPWS, and/ or its agents.
"You" and "Your(s)" refers to each person who
registers and/ or uses the MD Child Support IPWS, and each person who uses the
MD Child Support IPWS with the permission of a registered user. You may be a
non-custodial parent making payments on your own behalf; You may be an employer
withholding funds from a non-custodial parent at the direction of MD CSS, or
any other party making payments on behalf of a non-custodial parent.
II. USER REQUIREMENTS
In order to use the MD Child Support IPWS to register for Electronic Funds
Transfer or to make a Credit Card payment, You must be a legal owner of the
Bank Account, which You register with the MD Child Support IPWS and/ or the Credit
Card. You must also have a valid e-mail account and access to the Internet.
III. USING THE MD CHILD SUPPORT PAYMENT WEB SITE ELECTRONIC FUNDS TRANSFER
SERVICE
Once You have submitted the information necessary to register with the MD Child
Support Registry IPWS you will receive an e-mail acknowledging your
registration. The Password that you selected will not appear in this e-mail.
Your Password is the confidential security code that is required for access to
your Internet Payment Web Site Account.
By registering with the MD Child Support IPWS and providing the information to
correctly identify the child support account on which to apply child support
payments, You authorize MD Child Support IPWS to follow the Payment
Instructions. When MD Child Support IPWS receives a Payment Instruction, You
authorize MD CSS through the MD Child Support IPWS to debit your Bank Account
and apply the payment(s) on the Payment Delivery Date.
Once it is determined that your MD Child Support IPWS Payment request was
successfully completed, You will receive a confirmation number and confirmation
will be sent to You by e-mail.
You may cancel or edit Scheduled Payments by following the directions within
the application. There is no charge for canceling or editing Scheduled
Payments. We may not have a reasonable opportunity to act on any cancellation
or edit order given after a payment is in the Processing Period and it is not
possible to cancel or edit a payment that has been "Posted."
If You would like information about attempting to cancel or edit any payment
which is in the "Processing Period," You must call the MD Child
Support IPWS Customer Service Unit at 1-855-853-8289. The hours are Monday-Friday,
8:00 a.m. to 5:00 p.m., Eastern Standard Time (EST), excluding state and
federal holidays. Although We will make every effort to accommodate your
request We will have no liability for failing to do so.
Cancellation or edit requests received by the MD Child Support IPWS within two
(2) Business Days prior to the scheduled payment date (i.e., within the
Processing Period) will be accepted only if We have a reasonable opportunity to
act on such requests. If You call, the MD Child Support IPWS Customer Service
staff, they will also require You to present your request in writing.
IV. USING THE MD CHILD SUPPORT PAYMENT WEB SITE CREDIT CARD PAYMENT SERVICE
Once You have submitted the required personal and Credit Card information to
authorize a child support payment by Credit Card, the Credit Card information
will be validated by the web site. Once the Credit Card account is validated, You
will be notified immediately by e-mail. The e-mail will provide You a record of
the authorized child support payment, the calculated Convenience Fee, a
confirmation number, and the payment time and date. Payment requests received
will be made within two (2) to three (3) Business Days from the date the
payment is confirmed on the web site.
LIMITATIONS ON USE
MD Child Support IPWS reserves the right to limit your use of the Internet
payment service by imposing limits, hold times, or other measures if We believe
that suspicious activity has occurred or may occur.
TERMINATION OF REGISTRATION
The MD CSS and/ or its agents have taken steps to safeguard the integrity of
its data and prevent unauthorized access to information maintained by the MD
Child Support IPWS. These measures are designed and intended to prevent
corruption of data, block unknown and unauthorized access to our systems and
information, and to provide reasonable protection of private information in our
possession. MD CSS and/ or its agents have the right to terminate your MD Child
Support IPWS registration, or to reject or reverse any transaction(s) You
initiate at any time and for any reason, including, but not limited to:
1. Using the MD Child Support IPWS Service (directly or indirectly) for
any unlawful purpose;
2. In any way attempting to corrupt the security of the MD Child Support
IPWS; and/ or
3. Having payments returned by the bank for any reason including but not
limited to non-sufficient funds, closed account, stop payment, etc.
AVAILABILITY
The MD Child Support IPWS is intended to be available twenty-four (24)
hours a day, seven (7) days a week. However, the MD Child Support IPWS may be
unavailable from time to time for scheduled maintenance. There may also be
unscheduled down time, but We will work to minimize such interruptions in
service. In the unusual event that system interruptions may result in a delay
in processing payments, Scheduled Payments will be processed as soon as
possible upon completion of any system maintenance. User agrees that MD CSS
and/ or its agents are not liable for any loss resulting from any delay in
processing payments.
DISCLAIMER OF LIABILITY
MD CSS and/ or its agents will use its best efforts to apply all your payments
properly. However, MD CSS and/ or its agents incur no liability for damages
suffered by You as a result of your unsuccessful attempts to use the MD Child
Support IPWS. This disclaimer applies to any actions that are performed by any
entity other than MD Child Support IPWS in connection with your attempted use
of the MD Child Support IPWS. Damages for which MD CSS and/ or its agents shall
not be responsible include, but are not limited to, fees or charges assessed by
your financial institution, telephone service provider, or Internet service
provider. Furthermore, MD CSS and/ or its agents shall not be responsible for
any damages arising from or related to MD Child Support IPWS's inability to
complete any payments Initiated by You through the MD Child Support IPWS
because of the existence of any one or more of the following circumstances:
1. If your Bank Account does not contain sufficient funds to complete
the Electronic Funds Transfer transaction;
2. If the MD Child Support IPWS Service is not working properly and You
know or have been advised by MD Child Support IPWS about the malfunction before
You execute the transaction;
3. If You provide MD Child Support IPWS with incorrect information,
including but not limited to the name, social security number, Case number, or
account information for the child support payment(s);
4. If the cancellation of a transaction was not received by MD Child
Support IPWS in a timely manner; or
5. If circumstances beyond our control (e.g., flood, labor strike,
national emergency, etc.) prevent the completion of the transaction despite our
reasonable precautions.
You are responsible for the installation, maintenance, and operation of your
computer and your browser software. The risk of error, failure, or
non-performance is your risk and includes the risk that You do not operate your
computer or your software properly. MD CSS and/ or its agents are not
responsible for any errors or failures from any malfunction of your computer or
software. MD CSS and/ or its agents are not responsible for any electronic
virus or viruses that You may encounter. MD CSS and/ or its agents are not
responsible for computer virus related problems that may be associated with
your use of MD Child Support IPWS Service. MD CSS and/ or its agents have no
liability to You for any damage or other loss, direct or consequential, which You
may suffer or incur by reason of your use of your computer or your software.
MD CSS and/ or its agents are not responsible for verification of the identity
of recipients. MD CSS and/ or its agents are not responsible for payments made
to unintended recipients due to the input of incorrect information (including
but not limited to social security number, Case number, etc.) by You.
PASSWORD AND SECURITY
You agree not to give or make available to any unauthorized individuals your
Electronic Funds Transfer account User ID or Password. You are responsible for
all payments You authorize using the MD Child Support IPWS Service. If persons
use, with or without your consent, your User ID and Password to access your
account, You are responsible for any transactions they authorize. If You
believe that your User ID or Password have been lost or stolen or that someone
has or may attempt to use the MD Child Support IPWS Service without your
consent or has transferred money without your permission, You must notify MD CSS,
MD Child Support IPWS, and/ or its agents at once by calling the MD Child
Support IPWS Customer Service Unit at 1-855-853-8289, 8:00 a.m. to 5:00 p.m.,
Eastern Standard Time (EST), any Business Day.
YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
You must notify the MD Child Support IPWS in writing within four (4)
Business Days after the loss or theft of any access codes to your Bank Account,
or of the Password or User ID to your MD Child Support IPWS. If MD Child
Support IPWS is notified within these four (4) Business Days your liability
will be limited to a maximum of $50.00. If You do not tell Us within four (4)
Business Days after You learn of such loss or theft You could lose as much as
$500.00.
If You do
not notify MD Child Support IPWS within ninety (90) days after the earlier of
the date You learn of an unauthorized transaction or the date You are sent a
statement reporting the unauthorized transaction, your liability may include
the amounts transferred without your authorization after the ninety (90) day
period. If a good reason (such as a long trip or a hospital stay) prevented You
from notifying MD Child Support IPWS, You may submit a written request to have
the period extended. These limits are outlined in the current edition of the
Operating Rules of the ACH Network and Regulation E. Your liability for
unauthorized Credit Card transactions shall be governed by the terms of your
agreement with the financial institution that issued your Credit Card.
ERRORS AND QUESTIONS
In case of unauthorized transfers from, suspected errors in or,
questions about your Internet Payment Web Site Account, You should, as soon as
possible:
1. Telephone the MD Child Support IPWS Customer Service Unit at 1-855-853-8289
during customer service hours. The hours are Monday-Friday, 8:00 a.m. to 5:00
p.m., Eastern Standard Time (EST), excluding state and federal holidays; or
2. Write Us at: MD State Disbursement Unit, PO Box 17396, Baltimore, MD
21297-1396
If You think that an error has occurred on your Internet Payment Web Site
account, or You need more information about a transaction that has been posted
to your Internet Payment Web Site Account, You must:
1. Tell Us your name, social security number, and User ID;
2. Describe the error or the transaction You are unsure about, and
explain as clearly as You can why You believe it is an error or why You need
more information; and
3. Tell Us the date and dollar amount of the suspected error.
If You tell Us verbally, We will also require that You send your complaint in
writing within ten (10) Business Days after your verbal notification. We will
usually determine whether an error occurred within ten (10) Business Days after
We hear from You and will correct any error promptly. If We need more time,
however, We may take up to 45 days to investigate your complaint or question.
If We decide to do this, We will credit your account within ten (10) Business
Days for the amount You think is in error, so that You will have the use of the
money during the time it takes Us to complete our investigation. If We ask You
to put your complaint or question in writing and We do not receive it within
ten (10) Business Days of our request, We may not credit your account. For
errors involving new accounts, point-of-sale, or foreign-Initiated
transactions, We may take up to ninety (90) days to investigate your complaint
or question. For new accounts, We may take up to twenty (20) Business Days to
credit your account for the amount You think is in error. We will tell You the
results within three (3) Business Days after completing our investigation. If We
decide that there was no error, We will send You a written explanation.
Required time frames to investigate complaints are as outlined in the current
edition of the Operating Rules of the ACH Network and Regulation E. You may ask
for copies of the documents that We used in our investigation. All copies will
be provided unless they include information which cannot be released due to
confidentiality.
DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
It is our general policy to treat your account information as confidential.
However, We may disclose information to third parties about your account, or
the transactions You make, in the following situations:
1. Where it is necessary for completing transactions, such as to the
processing Financial Institution;
2. In order to verify existence and condition of your account for a
third party such as a credit bureau or merchant;
3. If You give Us your written permission;
4. In order to comply with government agency and court orders; or
5. For any other reasons stated in the MD Child Support
IPWS
Privacy Policy
FEES AND CHARGES
By registering with the MD Child Support IPWS for Electronic Funds Transfer
and accepting these Terms and Conditions You are authorizing withdrawals from
your Bank Account for payment to MD CSS. If your account balance is
insufficient to fund any authorized withdrawal, You further authorize the
withdrawal of any and such unpaid amounts, together with all applicable fees
and penalties, on any date that funds may be available in your account. Any
resulting debt to MD State Disbursement Unit is subject to collection action. A
fee of $30.00, interest, and other penalties as provided by law will be charged
for any returned item.
By accessing the MD Child Support IPWS to authorize child supports payments
with your Credit Card You are authorizing payment from your Credit Card for the
designated payment amount and the applicable Convenience Fee.
IN THE EVENT A PAYMENT TRANSACTION IS RETURNED
By using the MD Child Support IPWS Electronic Funds Transfer service, You are
requesting the system to make payments for You from your Bank Account. If We
are unable to complete the scheduled payment transaction for any reason
associated with your Bank Account (for example, there are not sufficient funds
in your Bank Account to cover the transaction), the scheduled payment transaction
will not be completed. In these instances, You will receive a notification from
the MD Child Support IPWS. In such case, You agree that You will reimburse MD State
Disbursement Unit immediately the scheduled payment transaction amount that has
been returned. If your account balance is insufficient to fund any authorized
withdrawal, You further authorize the withdrawal of any and such unpaid
amounts, together with all applicable fees and penalties, on any date that
funds may be available in your account. Any resulting debt to MD State
Disbursement Unit is subject to collection action. If a scheduled payment
transaction is returned for any reason, your Internet payment web site account
will be closed immediately and You may be subject to fees and charges as set
forth in the Fees and Charges provision of these Terms and Conditions.
ALTERATIONS AND AMENDMENTS
This Agreement may be altered or amended by MD CSS and/ or its agents from time
to time. In the event any material terms of this Agreement are altered, MD Child
Support IPWS shall provide notice to You not less than twenty-one (21) days
prior to the effective date of such changes. Any use of the MD Child Support
IPWS after MD Child Support IPWS provides You a notice of any change to this
Agreement will constitute your agreement to such change(s). Further, MD Child
Support IPWS, from time to time, may revise or update the programs, services,
and/ or related material, which may render all such prior versions obsolete.
Consequently, MD Child Support IPWS reserves the right to terminate this
Agreement as to all such prior versions of the programs, services, and/ or
related material and limit access to MD Child Support IPWS's more recent
revisions and updates.
TERMINATION OR SUSPENSION
MD CSS and/ or its agents may terminate or suspend service to You at any time
and/ or revoke your right to use the MD Child Support IPWS if necessary.
Neither termination nor suspension shall affect your child support liability or
obligations under this Agreement.
INFORMATION AUTHORIZATION
You agree that MD Child Support IPWS reserves the right to obtain financial
information regarding your account from a payee or financial institution to
resolve payment-posting problems.
REJECTION OF PAYMENTS
Your enrollment with the MD Child Support IPWS may not be completed if MD Child
Support IPWS cannot verify your Bank Account or other necessary information. Should
your Credit Card transaction be declined, You will need to contact your Credit
Card company to determine why the payment was not authorized.
DISPUTES
In the event of a dispute regarding MD CSS and/ or any agent of the MD Child
Support IPWS including but not limited to Child Support Services Staff,
Customer Service staff, etc., You and MD CSS and/ or its agents agree to
resolve the dispute by looking to this Agreement. You agree that this Agreement
is the complete and exclusive statement of the agreement between You and MD CSS
and/ or its agents which supersedes any proposal or prior agreement, oral or
written, and any other communications between You and MD CSS and/ or its agents
relating to the subject matter of this Agreement. If there is a conflict
between, any statement of an employee, agent, or contractor of the MD CSS and
the terms of this Agreement, the terms of this Agreement will prevail.
CAPTIONS
The captions of sections in this Agreement are for convenience only and do not
control or affect the meaning or construction of any of the provisions of this
Agreement.
GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws
of the Maryland, without regard to its conflicts of law provisions.
STATEMENTS
Notification describing transactions Initiated by You to update or modify your Internet
Payment Web Site Account shall be e-mailed to You by MD Child Support IPWS. You
may access the MD Child Support IPWS to obtain a record of the previous six (6)
month period of scheduled electronic payments drafted from your Bank Account.
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